Date Received: 2023-08-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: American Express closed my 2 savings accounts that I had <30 days ( without ANY incidents ). I received an email requesting me to complete a form and submit a copy of my Social Security card and both my accounts will be restricted until I called them. I complied. When I spoke to the " back office/Fraud Dept '', I was told I had to verify ownership of my linked bank account. While in the middle of the three-way call with the bank, I was disconnected from call. I tried calling back for well over an hour with customer service unable to connect me back with someone from the back office/Fraud Dept. When I finally did speak to someone from that department, I was informed that they reviewed my account and decided to close both my savings accounts. When I asked how I'd receive my remaining funds in my accounts? I was told the ONLY way I could receive those funds is by having the original bank ( where the money came from ) transferred back and then THEY would give me the funds back. I stated that account was now closed, and I didnt want the money to go back to that bank regardless and I wanted remaining funds to go to my linked bank ( with verified ownership from earlier ) but I was told no and told it was a banking law. Bottom line, the only way to get MY money back was by going through orig ( closed ) bank where funds orig came from and not by american express where money was deposited ( prior to closure ).
Company Response:
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a welcome letter from AMERICAN EXPRESS and had never requested a credit card. I called them and they sent a letter to my attention, acknowledging this. As I have credit monitoring, I then noticed another inquiry for XXXX which again was a fraudulent inquiry. Both inquiries took place on XX/XX/23. I received a letter from both credit card companies since then, locked down my credit, however the two inquiries are still on my six months later.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My American Express Card was used by someone else ( fraudulently ). It's reporting on my credit and it's hurting me.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my credit reports at the beginning of XX/XX/2023. There were several credit inquiries that I do not recognize nor did I authorize for my credit to be pulled. I submitted disputes to all 3 credit bureaus and as a result I have a 1 year fraud alert on my profiles. XXXX was able to assist me in removing these fraudulent inquiries. However, XXXX and XXXX require me to submit this report online and to file a police report as well. The inquiries that are showing that are not mine are : 1 ) XXXX XXXX XXXX XXXX and was requested on XXXX - No knowledge of this inquiry 2 ) XXXX XXXX XXXX and was requested on XXXX, XXXX, XXXX - Credit pulled without my consent 3 ) XXXX was requested on XXXX - I do not recognize this whatsoever 4 ) American Express was requested on XXXX - I had no knowledge of this inquiry 5 ) XXXX XXXX was requested on XXXX - I had no knowledge of this inquiry I have contacted the companies in question during the month of XX/XX/2023. None were helpful at trying to resolve my issue. They would take my information down and then I would be hung up on.
Company Response:
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I used my credit card to pay for business services. The service that I was supposed to receive took longer than 6 months. After this time I understood that I was scammed. I contacted this bank and filed a complaint. They closed my complaint and said they couldn't investigate this case because it happened more than 6 months ago. I lost my money and feel absolutely not safe with this bank.
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialitv under 15 USC 1681. Reached out to XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : American Express. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctlv 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writen astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agenc if the person knows or has reasonable cause to believe that the information is inaccurate. Also tried getting in contact numerous times, they aren't even in compliance with XXXX XXXX credit reporting either. I have evidence to prove my case.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received an email from American Express on XX/XX/XXXX that my credit score is down by XXXX points due to a delinquent account. After a careful investigation, I find my American Express credit card ending in XXXX has unrecognized charges posted on it since XX/XX/XXXX ( {$25.00} ), together with interest charges, late fees and another unrecognized charge on XX/XX/XXXX ( {$25.00} ). There are several evidence to show that I experienced identify theft. First, the charges were for XXXX - XXXX XXXX, but I no longer own any car since XXXX of XXXX. Second, the charges took place in New York XXXX XXXX, but I live in XXXX Massachusetts. Third, I never received any email notification from this credit card regarding the credit balance. I found the email contact under this account is not mine.
Company Response:
State: MA
Zip: 02116
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: This complaint is prompted by a series of disappointing decisions by American Express so will be my complaint 1 of 3. I will keep them separate for clarity. This case was somewhat convoluted by a series of price increases I did not consent to and credits that were promised to me, but for the sake of simplicity for this complaint I will forego all that and simply focus on the basic issue ( which ends up being a much smaller dollar figure ). In brief, XXXX overcharged me, and I disputed the amount on my American Express card, providing all the required documentation, but they found in favor of XXXX on multiple re-opens of the dispute. My complaint here is against XXXX for overcharging me in the first place, and against American Express for violating the terms of our service agreement regarding dispute resolution and the guarantee I do not have to pay bills I never authorized. XXXX overcharged me by some amount that for the purposes of this complaint we will call {$110.00} ( but was quite a bit more ). I called to cancel service on XX/XX/2023, because XXXX does not allow written or or online cancellations, see attached screenshot. My personal belief is that they do this to intentionally make it difficult to cancel, but see attached phone log screenshot to see my call history to cancel. I already had another internet provider at the time ( XXXX home, see attached billing statements ) and did not need both internet providers, but called back again on XX/XX/2023 to reiterate my cancellation. Nevertheless, I was charged again on XX/XX/2023, nearly XXXX and a half months after I first attempted to cancel and a over a month after I canceled it for the second time. I did not record my phone conversation with the agent, although in XXXX I wish I had, but by the second cancellation call which I have documented in the attached screenshots, I was already over a week into my new XXXX XXXX XXXX XXXX, and so I can only appeal to the obvious common sense that someone calling the phone number given to cancel service who had other internet service in place and had recently signed up for faster internet from another provider, would not simply be calling the XXXX cancellation number to simply chat. I relayed all of this, and provided all of this information, to the dispute resolution team at American Express, and at first the immediately resolved it in favor of XXXX essentially instantly ( within seconds ), which indicates pretty clearly there is some nefarious relationship they have agreed to in clear contrast to the cardholder agreement regarding cardholder protections. Upon raising this issue several more times to American Express, each time it was resolved in favor of XXXX, with the particularly galling claim that the evidence points in favor of the merchant, when exactly zero such evidence was provided, and I provided numerous forms of evidence to support my claims.The primary dispute reference number for American Express is XXXX, though as I have said, there are more. Both American Express and XXXX have engaged in clear bad-faith business practices.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Last XXXX ( 2022 ) I traveled to XXXX, and prior to traveling applied for and received an American Express Delta Skymiles card. The offer came with and offer of XXXX miles after purchases over a period of time. I actually canceled the card 29 days after opening the account and never received the bonus miles. In the next several months, I continued to receive mail from AMEX offering the XXXX miles deal. In late XX/XX/2022 I decided to re-apply, and after spending the required amount within the time period, I did not see the XXXX miles added to my Delta account. When I called AMEX about this, they stated that the XXXX bonus miles are a once in a lifetime offer. It seemed very disingenuous of AMEX to continue to send me offers for the card when, in fact, I did not qualify for the offer. Reading through the very fine print of the offer online ( now reduced to XXXX miles ), clearly this information is buried and not immediately visible. There is a very small font " Offer and Benefit Terms '' shown just above the 'Apply Now ' button. Here is the language in that link : " You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' The part that is concerning to me is the fact that the final line, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' was not done, as I received no notification of this fact prior to receiving account approval. The company was at fault for not notifying me that I was not eligible for the offer, so I applied in good faith. After numerous phone calls and letters, AMEX refuses to honor my request to reinstate the XXXX miles I earned, and would not acknowledge the fact that they failed to contact me about not being eligible for their special offer.
Company Response:
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A