Date Received: 2023-10-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: At the end of XXXX.Multiples unauthorized payments were allowed that i had to have rescinded XXXX Was told a XXXX XXXX dollar adjustment was made and then asked to have it taken off and they said tough luck just figure it out and pay it back. XX/XX/18 Was told a XXXX dollar payment I made hasnt been applied to credit limit and I asked multiple times and they said it was waiting then, on the day it was meant to paid back they backtracked and said it was even though on multiple recorded lines said it hadnt and even had me verify with the bank twice. I asked for a limit raise as a gesture of good will or just a credit adjustment of the misled amount to make up and they refused saying they could do nothing. I have been lied to multiple times over the past few days and you can request the calls.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the same problem that was resolved in my last CFPB complaint. I do not understand why this is occurring again, this time with a different collection agency. Please help me resolve it again.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} AMEX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I first bought the american express prepaid card at a XXXX XXXX on XX/XX/, at first my card was being declined and i called the number on the back of my card to check the balance, activate it, and tried to order my items again, tried from numerous different online shops, and didnt work i waited for 24 hours and a day to go by and it worked, for 4 transactions from XX/XX/ to XX/XX/. I had gotten a refund on a transaction that was made XX/XX/, which gave me a balance of {$16.00} of credits and {$16.00} for the available balance. I then tried in tons of different online stores and my transactions were all declined with a message of The card issuer has refused this transaction, please try a different payment method. I called customer service on the back of my card numerous times though-out this whole duration because my solution wasnt being solved. I was told That website is black-listed or try to shop somewhere else. Or I do not see this shop being showed, i only see this i was told to use this card in stores, but i have been and it was constantly declined by the card/bank issuer. There are no pending transactions on the card, and a balance of {$16.00} was being shown, i had even went under the amount of {$16.00} in my cart and still was being declined.
Company Response:
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a number of issues that I wish to raise with the CFPB. 1. During the Covid pandemic, American Express enrolled me into the Pay as You Go Plan without my authorization. This was during an incredibly difficult period for me - as I lost my job, developed XXXX XXXX ( treated successfully ), XXXX XXXX XXXX ( XXXX ) and lost my father. I am also profoundly XXXX XXXX XXXX XXXX XXXX to completely understand the parameters of contracts and financial arrangements. Subsequent to my father 's passing I was offered the XXXX Card. American Express was aware of my father 's death prior to offering me the card. They should have also been aware that i was not employed. I was completely unaware of the interest rate charged during this period due to the difficult circumstances of my day to day life during the XXXX emergency. 2. Billing Dispute/Minimum Payment : About the same time as being enrolled in pay as you go, I was having increasing difficulty determining the amount of credit available to me at any given time. At one point I called American Express three or four times within an hour and they gave me vastly different amounts of my credit availability. Often Customer Service Representatives would hesitate in offering this basic information on the amount of credit available This greatly caused concern about the manner in which my minimum payments were being calculated and if they had compliant processed in place that were fair and transparent. Since XX/XX/XXXX I have disputed the billing and requested American Express provide me with the details and Since XX/XX/XXXX I have sent written complaints which require a written explanation. While providing some verbal explanation ( and not permitting me to record the call ), inclusive of a vague verbal Executive Office reply and even more vague written reply which only included the dates of verbal conversations to a written complaint, in order to hold any validity, the explanation is not legally binding nor responsive to the written complaint. During the period XX/XX/XXXX- XX/XX/XXXX I was healing from XXXX XXXXXXXX and caring for my widowed mother. I was not working and relied on the credit card to pay for most of my living expenses. I was not in a position to fully understand that the details on minimum payment calculations were not transparent. 3. In XX/XX/XXXX American Express forced me into a payment program for the XXXX card which I could not and can not afford. I believe this is possibly a violation of the Federal requirements for re-structuring a debt due to hardship. The time period for re-payment for XXXX card holders greatly differed from that of the Blue Card -- for the XXXX Card it was 24 months to pay {$40000.00} in debt and yet 36 months to pay off the {$900.00} in debt on the blue card. This all while i was facing additional XXXX and still not working to the capacity i was prior to XXXX emergency. Amex also was not transparent on the manner in which this issue would be reported to the credit agencies nor in the amount of money that I would ultimately owe. I am still unsure how this all was calculated, and why the two cards have vastly different payment time periods. Despite numerous attempts to obtain information regarding the legality of this - Amex has refused to provide me any information nor allow me to re-structure the payments so that i can afford them and not hurt my credit any further. 4. Despite numerous complaints about the billing process, Amex refused to stop the payment requirement during the complaint period as is generally required in New York. 5. During my multiple attempts to determine how my bills were calculated, I was subjected to desparaging and harassment by American Express representatives, inclusive of a threat to my credit card by a Supervisor in XX/XX/XXXX. Despite written complaints to executive management I have not received any apology or acknowledgment of this mis-treatment. 6. I remain concerned about retaliation for filing this complaint. American Express has refused to provide me with the information set forth above, provide written details on the manner in which the debt, fees and minimum payment calculated and re-structure the debt I incurred during XXXX in a manner in which I can afford while preserving my credit in good standing and my blue and XXXX card for future use. Thank you. PS upon reviewing my prior Amex issues - i do not recall receiving a financial relief for the last complaint. I would appreciate a review of this as well. Thanks again. XXXX XXXX
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Have been trying to get {$4300.00} out of savings account since XX/XX/XXXX due to involuntary closure. American Express National Bank has said they sent letter of indemnity to XXXX XXXX XXXX for return of funds ACH, although with cooperation of XXXX XXXX XXXX, they confirm that American Express National Bank has never sent the letter of indemnity ( American Express Representatives are lying ). XXXX requested confirmation of date/time/fax number, American Express will not provide , and later a representative admitted/confirmed they did not actually send the document. XXXX XXXX stated it was sent on XX/XX/XXXX which is an outright lie based on his collegues responses and the lack of receipt by XXXX XXXX XXXX ( Fax XXXX and fax XXXX ). This has taken more than a month and 20+ calls both banks/, this is despicable and they are holding on to {$4300.00} of my money and I have no way to return the funds or return custody. The bank will not cooperate and has repeatedly lied about sending required documentation for XXXX return of funds, as well as UDAAP concerns and repeated lies. Also UDAAP concern : When speaking with representative of company XXXX XXXX XXXX Fraud department, I requested to speak with a manager, XXXX said he would have manager call me, this was a outright lie and I never received a call.
Company Response:
State: CO
Zip: 80601
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXXXXXX XXXX XXXX, AMEX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was told that there was nothing that they could do and I would have to report the fraud myself.
Company Response:
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: American Express promised me that they would not report me as being late for the month of XXXX XXXX XXXX under the Fair Credit Reporting Act 15 U.S.C. 1681. I was never late before or after the XXXX related issue.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A