Date Received: 2023-09-18
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: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: American Express is violating my rights as a consumer by posting a charge off on my credit file in violation of USC 1681 a, USC 1681 s2, USC 1681 2 ( a ) ( 1 ). furthermore this account is past the statute of limitations in my state. yet they are still harassing me by phone calls and emails.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My experience with American Express Bank Disappearance of $ XXXX my account In XX/XX/XXXX I decided to open an account with American Express Bank XXXX XXXX because of the attractive interest rate offered at that time. I have been an American Express credit card customer since XXXX. Presently I hold XXXX Amex credit cards, which I always pay in time. My credit rating is excellent and could be better if I had a mortgage or auto loan. On XX/XX/XXXX I discovered with surprise that some {$110000.00} was missing from my account. I could see that during the previous few days XXXX withdrawals had been made from my account, namely on XXXX XXXX {$19000.00}, on XXXX {$24000.00}, on XXXX XXXX {$36000.00}, on XXXX {$9800.00}, on XXXX XXXX {$29000.00} and on XXXX XXXX an attempt was made to withdraw another {$10000.00}. I ( not the Bank ) was able to stop this last transfer. I suppose that if I had not discovered these withdrawals from my account on XXXX XXXX and even stopped the last one, my account would have been completely emptied. According to the account details seen on the internet, all the above-shown withdrawals went to XXXX, Division of XXXX XXXX XXXX XXXX Apparently, an account in my name had been opened with this bank. I have never heard of this Bank before, nor have I had any relations with this bank. On the same day, namely XXXX XXXX XXXX I called the XXXX Bank to report the problem and talked to XXXX. XXXX ( XXXX XXXX. XXXX ) and was given the case XXXX XXXX. XXXX XXXX assured me that this matter would be investigated and that within XXXX working days, I would receive a complete report regarding the findings. I also insisted that my account should be frozen in the meantime, to avoid further withdrawals. In the meantime, I also reported this matter to Identitytheft.gov but believe they do not get involved and they only collect data for statistical purposes. Today, XX/XX/XXXX, after XXXX working days have passed, I spend several hours on the phone to reach someone knowledgeable at the XXXX XXXX. I was finally able to speak with someone at the fraud department ( XXXX option XXXX ) and was told that the investigation was still ongoing and that I would receive notice of the outcome by mail, which might still take some XXXX weeks. Very disappointing from a bank I trusted. The Amex Bank is a virtual Bank, meaning that deposits and withdrawals can only be made via another bank. In order to do so, it is necessary to match or mate a conventional bank with the Amex Bank account. This takes XXXX days, because the Amex bank XXXX XXXX a deposit of several cents to the conventional bank and will also withdraw several cents from the conventional bank account. It is then necessary to confirm to the Amex Bank the exact amounts deposited and withdrawn from the conventional Bank. Only after that, this connection is valid. I had matched XXXX of my conventional accounts with Amex Bank, namely XXXXXXXX XXXX XXXX XXXXXXXX and XXXX. When entering my account on XXXX XXXX I noticed that XXXX XXXX XXXX and XXXX had been eliminated as matched and instead a new Bank by the name of XXXX had been inserted. Apparently, no matching deposit nor withdrawal had been made by Amex Bank to allow this new Bank. During the years my experience has been that Amex has always been very vigilant with their credit card activities, notifying their customers immediately if irregularities are noticed. It is surprising that Amex Bank does not seem vigilant at all with the deposits of their banking customers. No phone calls or messages. The daily withdrawals from my account were completely irregular to my normal banking activity. Why would I withdraw funds from the Amex Bank account on a daily basis for deposit in XXXX and the same conventional account? I also ask myself, why no larger amounts were withdrawn, considering that whoever was involved had access in seeing the total amount in this account. Frankly, I do suspect that this could have been an inside job. Nowadays much personal information is public domain and easily accessible. Even the Social Security Number, which I always hesitate to disclose completely is not that secret, considering that many institutions, including banks, require the complete number. However, I do consider the Account Password a better security and I would have absolutely no explanation for how someone could have gotten access to my password, which by the way I changed immediately after XXXX XXXX. It is also unexplainable, how anyone could have known of my account with the Amex Bank, considering that I do regular banking with XXXX and XXXX XXXX XXXX. The only explanation could be that the same password is used for XXXX XXXX and Banking. Since it is necessary to access XXXX XXXX more frequently ( for payment ), the web page, showing also the Bank account, is exposed more frequently. It seems that I have no other alternative than to wait until the Amex Bank concludes its findings, whenever that might be. In the meantime, my account is frozen and there is no access for withdrawal. If Amex Bank concludes that this is an identity fraud, then my question is, what is their responsibility? I personally am convinced that their security is flawed and their responsibility remains to be seen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Cel. XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2023 I purchased two American Express cards to put money on for my teenagers allowance. They tried to make a purchase at XXXX but it was declined. They tried to pay a bill at XXXX XXXX and it was declined again. I contacted American Express, confirmed the cards were activated and after describing the error the representative suggested I not use the card with this merchant ( XXXX ) and try another store. I got off the line and tried at three different stores- XXXX XXXX XXXX, and XXXX to no avail. I called back to reiterate thats the card agreement says it can be used anywhere online that allows the usage of American Express cards. I would just like to have my money back at this point because when you call they keep suggesting other merchants and at this point I am done.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have an American Express gift card that is supposed to be able to be used online with a value of over {$500.00}, but the bank ( american express ) declines every transaction. I can not use this card and it's frustrating. It has a balance of {$630.00} and every single transaction is getting declined from their side.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have a balance on a gift card and can't get anyone to accept it. Called Amex several times and they were no help.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: American Express furnished and published my personal information without my written consent according to 15 USC 1681 section 602, a & 15 USC 1681, section 604A section 2 please take a moment to look at the account that are being furnished, or my consumer report without my permission, and or written consent, and whose rights have been violated. 15 USC 1681 section 6028 states I have the right to privacy 15 USC 1681 section 604A section 2 states, a consumer reporting agency can not furnish an account without my written instructions And in accordance with the fair credit reporting act, the law has been broken, and my rights has been violated Also, I have disputed this matter on multiple occasions, and in each instance, a thorough investigation was not done. Those actions are in violation of the laws outlined in section 611 ( a ) ( 1 ) ( A ) as American Express have neglected to provide the required method of verification as stated in section 611 ( a ) ( 7 ) and furthermore, American Express is also in violation of section ( 5 ) ( A ) of the fair credit reporting act ( FCRA ) by not promptly removing all disputed unverified reportings American Express has also breeched their contract While under dispute, American Express can not collect the amounts in question or report delinquent on any amounts American express continued collection on the amounts disputed and continuously reported negative derogatory reporting to the credit bureaus
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a {$75.00} American Express Gift Card from XXXX yesterday for myself since I dont yet own a Debit card. So that means I spent {$80.00} on a pre-paid gift including the Activation fee. I went home and tried to spend my money at XXXX, XXXX, XXXX XXXX, XXXX. But nothing would work. Its really frustrating because I exclusively bought the gift card to use it on online purchases, but now XXXX cant even spend the money. I attempted to call the customer support number 3 times, they all told me that I couldnt spend it on specific stores since something about their policy. I asked if they knew a list or anything on where I could spend it and they told me that select online stores and some in person shops. Ive tried over and over to purchase something, but nothing would work. Also, nearly every time I tried to spend my money, it took away {$0.00} dollars from my total balance. Ive looked everywhere online and even tried to look for stores I could purchase stuff in, I really dont want to waste there {$75.00}.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Around XX/XX/XXXX, i added three authorized users ( " XXXX '' ) to my american express platinum card. this is a service that used to cost XXXX to add XXXX XXXX. i got two of the cards on the mail, but never recieved the third card. I didnt have an urgent need for the card, so i decided to wait until the card arrived, but it never did. on XX/XX/XXXX, I finally got tired and called to get a replacement. The replacement card got delivered to my apartment on the XXXX. However, when I tried to activate it on the XXXX, I received an error message. I called in, and I was told the card had been cancelled, since the XXXX 's social security was not added to the account. I explained that I didn't have the card yet, and that I would not feel comfortable providing that until I had the card, and that no one told me I had to add the SSN soon when I called in. Amex informed me that the XXXX card had been cancelled, and that I would have to pay {$190.00} to get that XXXX added, since their policies changed. I had requested the XXXX with the previous policy, and never had the card delivered, it was cancelled on me, and now they are asking me to pay {$190.00} for an XXXX. When I applied for that XXXX the policy was different, but they are trying to apply the new policy on me. Since they did not provide the card on time, this feels like a bait and switch for them to now ask me to pay {$190.00} to add the XXXX they didn't deliver the card for.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: I sent a letter via US mail on or about XX/XX/ to the following mailing address : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/ in the amount of {$100.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A