Date Received: 2023-09-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was logged in to my American Express account and was offered a second american express card, with a XXXX point bonus. I followed the application and received the card. When I did not receive my bonus I contacted AMEX who said that I forfeited the bonus during the sign up process. I met all other conditions of the offer. As I already have an existing account w AMEX they have all my info and have no reason to show me this offer if I wasnt eligible. I already have an AMEX card I use heavily so my primary motivation for opening a 2nd card was only the promotion. I requested w AMEX to file an internal complaint, they declined. I requested to see the screen they claimed I was shown informing me the promo offer was revoked they did not share it.
Company Response:
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: Evidently amex didn't read the complaint the first time so this complaint as all other cards have not responded to me they have contacted my attorney. So please cease your auto pays Additionally AGAIN Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX If you're going to reply to this your reply should be like what other cards are doing they aren't talking to me about anything anymore... obviously you guys can't understand bankruptcy laws. Last warning!
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I purchased an American Express gift card on XX/XX/, to use in opening a XXXX account. Someone used a fake XXXX account, a fake XXXX customer service contact and stole {$400.00} off my gift card. Ive tried to get some assistance through American Express and XXXX, all to no avail. I am a widow mother of XXXX, and I can not afford to have {$400.00} stolen from me. I opened the XXXX to help out with selling items to pay my bills. Im very disappointed that no one is trying to help me get this resolved. The merchant is XXXX, a clothing store. XXXX or XXXX? Im not sure, but I think this is just disturbing to have consumers being scammed, every day!
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Company Response:
State: MN
Zip: 55303
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX American Express ( " AE '' ) charged my credit card an annual fee totaling {$1000.00} ; {$690.00} for the first authorized card and {$350.00} for the second authorized card. On XX/XX/, AE added a pre-set charge limit of {$18000.00} without notice or correspondence to me. Prior to this, I had no pre-set charge limit. I reached the charge limit ( on or around XX/XX/XXXX ) when I tried to purchase materials for a project I'm working on and the transactions were declined. On XX/XX/, I called AE to inquire about the sudden change and they informed they periodically review accounts and add pre-set charge limits accordingly. I asked to cancel the card and get a refund of the annual fees I was just charged. The customer service representative ( " CSR '' ) requested I give them a chance to review the account to see if they could resolve my concerns without me cancelling the card. The CSR said they would reach out in a few days with a response. On XX/XX/, I called AE back because I had not heard from anyone. I spoke with four representatives from AE. I asked to speak with a supervisor after the first two CSRs could not help me. They told me the next person was a supervisor ( who also wasnt helpful ) and put me on with another Supervisor named XXXX ID # XXXX. The 3 representatives prior to XXXX could not confirm when I called or any notes detailing the XX/XX/XXXX conversation. XXXX, however, was able to find the date I called but she ultimately could not help and told me there was no way for me to log an official complaint with AE. She then told me someone would get in touch with me. My complaint is that they charged me the annual fee and then dramatically changed the dynamic of the card. I would never pay over {$1000.00} in annual fees for a card with a pre-set limit. It's embarrassing having your card decline at a store you frequent for your business and it's sets the wrong precedence about you as a business owner. If AE wants to add a pre-set spending limit, they should give me the opportunity to cancel the card with no fees.
Company Response:
State: NJ
Zip: 070XX
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: 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 have 3 ongoing disputes with American Express. I slowed down spending on my AMEX card in order to keep better track of my account. Needless to say I was unpleasantly surprised when I realized despite spending around {$1300.00} on my most recent statement, my balance went up by almost {$6000.00}. I perused my recent statement and discovered : 1. A credit promised me in the amount of {$1600.00} is not reflected on my transaction. During the course of the dispute, it was charged and credited a few times. But it is missing my final credit. 2. A charge I disputed in the amount of {$2200.00} was closed. I never received a letter stating this dispute was closed. I provided proof to AMEX but the airline claimed they offered me {$50.00} voucher to sit for 24 hours and I accepted and took the flight. As improbable as this sounds, AMEX not only believed but did not reach out to me for confirmation. I went in my Online PortaXXXX to look for a notice but did not see one pertaining to that particular dispute. I reached out to a representative in the chat and was provided a notice. Upon opening it, it did not correspond to this particular dispute. Aggravated, I reopened the dispute. The chat agent told me she had proof that the notice was emailed to me therefore my reopened dispute would not hold sway. I need a screenshot of their sent items with date and time stating this notice was sent to me iXXXX of XXXX like they claim if they will not reopen my dispute. I am attaching the resolution letters even though they claimed it was sent the XXXX, as you can see only letter sent were in XXXX & XXXX.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: . Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. Resolve Credit Report Issues : Work with the credit bureaus ( XXXX, XXXX, and XXXX ) to promptly remove any inaccurate information related to this account. I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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 took my car to the merchant for a routine oil change. Unfortunately, after the service, a misfire occurred, leading the merchant to admit that they might have accidentally removed the sparkplug. They requested me to bring the car back to their shop for repairs. Upon returning my vehicle, the merchant informed me that fixing the misfire would cost approximately {$250.00} to {$300.00}, which I agreed to pay. Furthermore, they assured me that the car would be returned within 14 days. However, the merchant XXXX XXXX XXXX XXXX XXXX communication became increasingly sporadic, with long periods of no response to my inquiries about the status of my vehicle. I made numerous attempts to cancel the service but received no response. It was only after XXXX months, in XXXX of XXXX, that I finally received a call from the merchant. During the call, the merchant insisted that I pay {$470.00} to retrieve my vehicle. I provided my credit card information over the phone, trusting their assessment of the charges. Shockingly, a few days later, I discovered that they had charged my credit card for a staggering {$4700.00}, instead of the agreed-upon {$470.00}. To compound matters, upon receiving my car, I noticed that the engine lid was missing, the car seat was damaged, and, to my dismay, the check engine light illuminated the very next day, rendering the vehicle undrivable. Despite immediately contacting the merchant, their response was dismissive, offering only to purchase an engine lid while demanding an additional {$9000.00} to fix the engine, which is an exorbitant and unjustifiable amount. Given the circumstances outlined above, I kindly request your assistance in resolving this dispute with the merchant. The unauthorized charges of {$4700.00} must be reversed, and I should not be held liable for any costs associated with repairing the damage caused by the merchant. The biggest issue I had is that American Express has not been investigating this charge. They constantly send me the same response ending the dispute in the merchant 's favor without answering to the evidence. For example, the dispute was opened because " The vehicle is still damaged '' but Amex responded by saying. " There was no records of cancellation '' which is not even what the dispute was started for. In addition, I was asked to provide information and I did, but the dispute was closed because " they did not receive the documents. '' The dispute number is : XXXX
Company Response:
State: UT
Zip: 84601
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX, an individual who was previously employed by me as my right hand man, breached and stole my identity and gained unauthorized access to my credit, even resorting to accessing my mail. It is with a heavy heart that I recount the events that led to this unfortunate situation. XXXX XXXX was employed by me in the position of XXXX XXXX at my company from XX/XX/XXXX to XXXX XXXX. During his tenure with our organization, it became evident that XXXX XXXX had several character flaws and engaged in dishonest practices, which ultimately led to his termination. Dishonesty : XXXX XXXX displayed a consistent pattern of dishonesty during his time at our company. This included making false statements, manipulating financial records, and failing to adhere to company policies and ethical standards. Anger Issues : XXXX XXXX 's conduct also raised significant concerns regarding his emotional stability and anger management. On multiple occasions, he exhibited outbursts of anger and aggressive behavior towards colleagues, creating a hostile work environment. Access to Personal Information : As part of his role, XXXX XXXX had access to sensitive company information, including personal data of employees and clients. This access gave him an opportunity to gain unauthorized access to my personal information. It has come to my attention that XXXX XXXX, after being terminated, stole my identity and gain access to credit in my name. He went to great lengths, including accessing my mail, to achieve his fraudulent objectives. To address this breach of security, I have since recently implemented measures such as mail digests and heightened security protocols to safeguard my personal information. Upon uncovering these grave violations, we took immediate action to terminate XXXX XXXX 's employment and reported the identity theft attempts to the appropriate authorities. We have been fully cooperating with law enforcement agencies and have taken measures to enhance our security protocols to prevent such incidents in the future. I want to assure you that I deeply regret any inconvenience or harm caused as a result of XXXX XXXX 's actions. Identity theft is a serious matter, and we are committed to assisting in the ongoing investigation to bring him to justice.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A