Date Received: 2023-08-30
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I received an email from American Express inviting me to open a savings account and if I did open it I would receive a {$350.00} incentive if I opened my account with XXXX by XX/XX/2023. I opened the account and have kept the money even past the time that they required, which was 12 weeks and I still havent received any money and they keep fighting me on that. I have the email to prove it. They keep opening cases and giving me case numbers and escalating this problem and nobody wants to fix my problem. I have the email as evidence.
Company Response:
State: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: American Express opened up an account in my name utilizing information that I did not give them approval to use. I have complained on numerous occassions and they keep responding with letters stating that they tried to get in contact with me but they had no luck so they refuse to close the fraudulent account FTC Affidavit and police report are attached
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. American Express violated these rights by reporting the account to be late and closing the account without my knowledge. American Express is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them one of their own settlement terms. See Attached email Copy.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Regards to AMEX ACCT # XXXX I am writing to file a formal complaint against AMERICAN EXPRESS for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where American Express has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, American Expresss unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by American Express violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, American Expresss reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by American Express. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by American Express, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to American Express that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I filled out an application for an American Express business credit card for my company, not for me. But I was surprised that they made a hard inquiry on my name or on my credit report. I asked them about the reason for the hard inquiry on my credit report, and I did not ask for it under my name, but for the name of my company. They did not tell me that they would use my name and information, and they did not warn me about hard inquiry.
Company Response:
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Regards to AMEX ACCT # XXXX I am writing to file a formal complaint against AMERICAN EXPRESS for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where American Express has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, American Expresss unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by American Express violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, American Expresss reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by American Express. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by American Express, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to American Express that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have received numerous American Express gift cards from my employers over the past few years. I could use them almost anywhere - XXXX, XXXX, other online vendors, grocery stores, sports stadiums. Sometime between XXXX, all stores stopped accepting my digital cards. The cards would be declined by American Express, even though I had sufficient balances on the cards. When I called in to ask about it, American Express representatives assured me that this was to prevent fraud. They explained that they were no longer allowing most online payments for my type of virtual gift card. They assured me I would be able to add the cards to my XXXX XXXX and use it at brick-and-mortar stores. Contrary to those assurances, the cards were also declined at those stores. I can not use these cards anywhere - I have been trying for months. I called American Express and asked to have my balances transferred to physical cards. I was told the type of gift card I was given can not be transferred. In my discussions with several American Express representatives, they told me that these prepaid gift cards can not be charged too close to their current balance, nor can they be used for partial payments. This policy appears to be designed to skim money from every single gift card. I currently have a balance of {$150.00} across four gift cards that I can not use. This was money given to me by my employers. At the time of purchase, these cards were usable - I have used each of them for at least one transaction. Sometime after their purchase, American Express stopped allowing me to use these cards. My employers ( the purchasers of these cards ) have been similarly unable to get American Express to release my money. American Express Prepaid Card Management Corporation is holding my money hostage and refuses to offer me any viable solutions to release my funds. I have spent hours on the phone talking to multiple company representatives and all they can tell me is that I should try again at another store. They tell me they are working on a resolution but it's been nearly a year with no change. Moreover, American Express continues to advertise their gift cards as " Widely Accepted. Use this Gift Card at merchants that accept American Express Cards in the U.S. '' And : " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . '' This is no longer the case and the company knows this. I have found numerous accounts complaining about this issue. Physical cards are more likely to be accepted but digital cards are increasingly hard to use. I am finding it impossible. I have also filed a complaint with my state 's AG about this issue.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is between American Express National Bank and me regarding my CD. The contact phone XXXX ( NY ) * I recorded most of the conversations with the customer service representatives. XXXX XXXX My CD matured. XXXX. Prior to the maturity date, I called the above number to request the closing of my account once my CD matured. I was told to request it on the XXXX. I wanted to make sure that I'll get the funds back, I mailed my written request as well. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I called the same number and requested the closing and transfer of the funds. I was told my funds would be processed next Friday, XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : The transfer didn't happen. I called again. I was told that it will be processed on XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I asked XXXX (? ) about the status of my transfer. The phone call was cut short. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : XXXX answered. It took over XXXX minutes to find out my funds won't be processed until XX/XX/XXXX or XXXX. ( XXXX # XXXX ) It is unbelievable that it takes at least 25 days until my funds get into my hands. Upon maturity, during the grace period, I could request the closing of my account and transfer the funds, which I did. And then I have to wait XXXX to 14 days more to get my money back. The bank is holding my money XXXX and making a month 's profit out of it. It's a shady and cunning practice. The representatives made empty promises too many times, and I am afraid when I see my money back.
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: American Express is blatantly denying the increase of my credit limit on one of the cards. When I called Amex a few days ago, I was informed that I would be able to increase the credit limit on Blue Cash Everyday after 90 days beyond the account opening date and the customer representative told me the exact date when I could request a credit limit and that is XX/XX/XXXX. But, when I called Amex on XX/XX/XXXX to increase the limit, they said it is not available and I still have to wait longer. I feel betrayed and Amex hasnt kept its promise of allowing me to apply for an increase. When I told Amex that earlier they said I could increase the credit limit but they deny the fact what they said earlier. The small credit limit restricts my purchasing power thereby tying my hands to make purchases.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on my credit card, but I accidentally selected the wrong checking account and the payment NSF 'd. I immediately made the payment using the correct checking account and called AMEX to ask them to stop attempting to debt the incorrect payment information ; however they refuse to stop attempting. So far AMEX has attempted 4 times to collect a payment that I already satisfied and refuse to stop. Amex customer service said they can continue to attempt to collect the payment until it is received because I consented to such. Well that may be true but it is completely unfair. each time they attempt I incur a fee, but AMEX wants to inflect pain for my mistake.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A