Date Received: 2023-09-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 I deposited my school check and when it came available on XX/XX/2023 I tried to transfer the funds out and they stop my transfer and closed my account. They told me I couldnt get my funds unless I verify myself even if they closed my account. I just want them to send my funds in a check since they close my account for no reason. So they also said they will keep my funds even with my account being closed.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I had first called American Express Gift Card support ( XXXX ) on XX/XX/2023 that the virtual prepaid gift card I had added to my mobile wallet ( XXXXXXXX XXXX ) was being declined in-store using tap-to-pay. I had previously done this before at many merchants. I tried at some stores I had never used it at before ( XXXX, XXXX 's ). The purchases were declined even though the card still had more than sufficient balance to cover the charges. I then proceeded to go to merchant locations where it had worked before. For example, the card now has {$18.00} of balance left, so I attempted to make a {$5.00} purchase at XXXX XXXX 's. It was declined. I attempted the same thing at a XXXX, to which it was declined. The support agent on the line told me that I could no longer use it in XXXX XXXX as it was " blocked '' and to either use an online merchant or a different mobile wallet, such as XXXX XXXX which isn't available on my phone. I mentioned to the agent that my phone is not a XXXX and does not support that app, and she kept pressing me that I can download it and use it. We hung up, and I verified that I can not use XXXX XXXX on my phone. On XX/XX/XXXX, I attempted to make a {$18.00} purchase on XXXX with the card. XXXX says that the transaction could not be processed and to verify payment info. I reverified it and again the payment was declined. I then called American Express Gift Card Support ( XXXX ) on XX/XX/XXXX to see I could address the issue. As the agent picked up, I could hear children crying in the background and a rooster howling. The agent told me that my prepaid gift card was verified and activated. I was told I can't use it on XXXX, and that I could I use it in my mobile wallet ( XXXX XXXX ) again. I attempted to use it again in-store using the tap-to-pay function of XXXX XXXX and the card was declined.
Company Response:
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Amex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the fair credit reporting act 15 usc 1681 section 602 ( a ) it says there's a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for consumer rights to privacy. XXXX and XXXX are consumer reporting agencies and I'm the consumer.my right to make sure my private information isn't shared is backed by 15 usc 6801. That says it's policy of Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of the consumers and to protect the security and confidntuality of those consumers Private information .furnisher of information to credit agencies is a financial institution by definition under title 15 usc 1681section 604 a section that says in general subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other. In accordance with the written instructions of the consumer to who it relates ( furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX don't have my consent to furnish this information, nor do they have my written consent .any and all consent to XXXX and XXXX ( furnisher of information to credit agencies ) whether it be verbal or non verbal written, implied or otherwise revoked.15usc6802 ( b ) ( c ) says that a finance institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given a explanation on how the consumer can exercise that non disclosure option. ( furnisher of information to credit agencies ) never informed me of my right to use my non disclosure option not only that,15 usc1681 ( a ) ( 5 ) says except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report more than 7yrs. This account is an adverse item they are reporting again without my permission which is against the law. 15 usc 1681s-2 ( A ) ( 1 ) A, says a person shall not furnish any information relating to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 usc 1681e says every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed listed under 1681b of this titleXXXX and XXXX are not maintaining reasonable procedures designed to avoid violations of section 1681c of this title.XXXX and XXXX are not maintaining reasonable procedures. 12CFR 1016.7 SAYS that a consumer may exercise the right to opt out at anytime. " I am opting out of their reporting services ''
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Received 2 Amex gift cards for {$100.00} each from my employer, tried using them at NUMEROUS online stores, including XXXX, XXXX, XXXX , tried putting the gift card into a XXXX account , and ALL transactions were declined. Called Amex Customer Support and was told NOTHING helpful, said " measures '' were put in place for MY safety (? ) and to prevent fraud (? ) and to try back in 24 hours. Same thing happened after 24 hours. IT IS BEING DECLINED EVERYWHERE INCLUDING PHYSICAL STORES.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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 contacted XXXX XXXX on XX/XX/2023 about an expensive package marked delivered that I never received. It was photographed outside on my porch, in plain sight for people to steal. No signature required. I contacted them and they told me to contact my bank and file a chargeback, they would speak with my bank and get me money back. They did not ever file a claim with the delivery company, or give me any other means of solution. Since I never received the package they have to handle all those responsibilities. Instead, I continued to be told to file a chargeback and I would get my money back. Instead Amex keeps declining my dispute although I literally have written proof XXXX XXXX informed me to do so. Amex then told me to file a police report which I did and they still continue to decline my dispute although I did everything asked of me.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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: On XX/XX/XXXX, I authorized a merchant a one-time charge in the amount of {$1400.00}. While the card was in their possession, I was charged multiple times for the same thing ( without my knowledge or authorization ). The unauthorized charges were for {$2300.00}, {$5600.00}, {$4000.00} and {$10000.00}. Totaling {$21000.00}! I reached out to American Express immediately to notify them I did not authorize the additional XXXX charges. Over the next XXXX months a fraud case was opened and closed XXXX times- with no resolution or backing from my bank. As a card holder ( of over 30 years ), I should be protected by the Fair Credit Billing Act. After a new case was opened, and contacting XXXX multiple times each month, the response was the same - " we see these charges as valid, as you provided your card to the merchant. '' True, but I did NOT authorize the additional XXXX charges. The merchant provided fake receipts with handwritten charges/tips, and signatures that weren't mine ( that's fraud ), but somehow this good enough for American Express XXXX This left me speechless. My last call to XXXX was on XX/XX/XXXX, only to be told that they would not reopen the case and that I was basically stuck with the $ XXXX in fraudulent charges. I've never felt so disrespected and mistreated by a company in my life. Their customer service and loyalty to card holder is non-existent. I need restitution for the fraudulent $ XXXX of charges that XXXX will not refund me. My plan is to get restitution and close my account immediately!
Company Response:
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: American express is reporting inaccurate information on my report and have shared this information to an employer without my consent. They have removed these accounts from XXXX however have not removed it from XXXX and XXXX which is a violation.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 I made a charge for a reservation for a hotel called XXXX. I used XXXX to book the hotel. I got charged 3 times 1 from XXXX, 1 from XXXX XXXX and 1 from. XXXX when I physically went into the hotel. So 3 separate charges for 3 separates amounts. XXXX, XXXX and XXXX app by the same merchant. XXXX transaction was completed on my account the next day I checked out. The two other transactions including 3 pending transactions of XXXX. Were not available for use. I contacted the hotel and XXXX formerly known as XXXX. They said it's pending nothing they can do. I contacted bank and told me the expires date is 30 days and it will go back into my available balance. Today is the day I no longer see the pending transactions but did not fall back unto my available balance The bank told me it expired. The bank also put me on hold and tried to go back to XXXX which will try to throw me off calculations. The dispute department failed to investigated why XXXX cents is missing from my account. This is not the first time this has happened. I'm requesting the bank to refund or reverse those funds back into my account. I am assuming they paid these merchants or took the money themselves. I know how to count and they are trying to tell me the money went back into my account when I clearly did the math because I watched my account.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: American Express is a debt collector and they are breaking the law. Every month I get an envelope with their logo on it. Claiming to be a statement but in actuality, it is a bill. They have broken the law more times than I can count and each time is a violation and is causing me mental distress. Pursuant to 15 U.S. Code 1692f ( 8 ) : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report through credit wise and noticed an inquiry entry from American Express. I noticed it was done on XX/XX/XXXXXXXX XXXX XXXX, which I didn't authorize and didn't apply for. I contacted the company immediately once discovered. I then obtained XXXX to protect myself going forward as a XXXX XXXX. I contacted American Express in XX/XX/2023 when I discovered this unauthorized action.
Company Response:
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A