Date Received: 2023-08-22
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/2023 I used my American Express Serve card at an ATM but the transaction was denied. I contacted customer service and explained my problem. They told that they had reordered a replacement card for me and my account is now inactive. My social security and pension checks are directly deposited there and I have no way to get to my cash or pay a bill.
Company Response:
State: MI
Zip: 48204
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AMERICAN EXPRESS Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors. If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Several years ago, I engaged in abusive activity with an American Express card, resulting in a ban on obtaining American Express cards in the US. I acknowledge the gravity of my actions and have since made significant personal growth. I have since maintained an exemplary record with my current American Express XXXX account. I am committed to responsible financial behavior and kindly request this context be considered for my application reconsideration. I am prepared to provide further details if needed.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Recently I did an investigation on my credit report which cause severe distress upon the discovery that my rights to privacy were violated by American Express on XX/XX/2023 for the amount of {$11000.00}. 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 written instructions. Please Delete this from my credit report immediately.
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, at approximately XXXX XXXX, I logged into my online savings account to try and cancel an automatic deposit. However, I have been unable to do that since that option is no longer available on their site. I called the American Express National Bank, who informed me that the only way to do this is through their cellphone app. I have XXXX XXXX, and by removing this option from there ( which I am able to zoom in and use ), and putting it in an app ( which is not XXXX accessible ), they are purposefully discriminating against me because of my XXXX and are preventing me from managing my money.
Company Response:
State: GA
Zip: 30046
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: American Express, whom I hold four cards with, had a conversation with me. I asked them how to " raise my XXXX '' score. They told me to pay down my balances, and so I did, over {$3000.00} over a couple of days between on or about XXXX XXXX. The same day I brought my balances down, as they suggested, I received two letters from American Express stating they reduced my credit limit, which brought me right back to the same situation I was facing when I contacted them asking for advise on how to raise my score. I did as they said, and then they immediately reduced my credit limit to the amount it became when I paid all of that money to reduce the debt and to have available credit. They reduced the credit line to the exact amount I paid the cards down to. That put me in the same situation, so they didn't help my report, but after I took their advise and paid down the cards, they reduced my credit limit which in turn actually hurt my credit score, not help it. On the phone, they told me they " assessed my account '' ( which they themselves reported to all three bureaus an excellent payment history with not 1 single later payment ever reported to them, reports I obtained on XX/XX/XXXX ). They told me they based the reduction on a XX/XX/XXXX " assessment, '' but nowhere in the letter they dropped into my account does it say anything about XX/XX/XXXX or any assessment, only dated XX/XX/XXXX and only referencing that date. When I told them I was reporting this to you, they acted like it meant nothing whatsoever to do so. This company lied to me to bring down the amount, advised me falsely that by making the payments it would increase my score, then they immediately reduced my credit limit which now appears to the bureaus that I am still near my limit, which they placed me at after all the payments I made to reduce my debt to ratio cleared my bank ( when I made the successful payments ). The letters also state my credit score was the reason, which is not my credit score on any of my reports. To do this during the XXXX Wildfires ( I live on XXXX ) the day after I made the payments, but then to tell me this was an assessment from " XX/XX/XXXX '' that they didn't implement until XX/XX/XXXX, right after I made the payments they told me to make, is in absolute bad faith, and frankly, they lied. No where in their letters is there any mention of a XX/XX/XXXX date of re-assessing my account. I am stunned by the behavior of American Express, whose own reporting to all three bureaus, reported by them, show never have I had a late payment since the accounts were opened.
Company Response:
State: HI
Zip: 96753
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: When I opened American Express Blue Cash Preferred Card I was told there was a {$250.00} bonus if I meet the requirement. But one month later, when I contacted American Express, I was told that I was not eligible for the {$250.00} bonus offer. I feel like being cheated by American Express. Plus there will be an annual fee of {$95.00} for this card from the second year.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, American Express, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I observed notable discrepancies in the reporting of two specific accounts affiliated with American Express ( AMEX ) across my credit reports from the three principal credit bureaus : XXXX, XXXX, and XXXX. These inconsistencies not only raise concerns about the precision of the reported data but also the legitimacy of the account status. Specific Concerns : Date of Last Activity Discrepancies : For the account ending in XXXX, the reported date of last activity varies considerably : XXXX lists it as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. The account ending in XXXX also has differing dates : XX/XX/XXXX as per XXXX, XX/XX/XXXX according to XXXX, and XX/XX/XXXX by XXXX. Creditor Remarks Discrepancies : The remarks across bureaus for both accounts differ. For instance, XXXX mentions " Charged off as bad debt, '' while XXXX includes details like " Account has been closed due to inactivity '' among other remarks. Question on Debt Status & 1099-C : Both accounts are reported by AMEX as having been " charged off '' and " reported as a loss by the credit grantor. '' Intriguingly, during a phone conversation with an AMEX representative on XX/XX/XXXX, I was informed that the debt was charged off on XX/XX/XXXX. However, the same representative confirmed they can not provide a 1099-C form for these accounts. The 1099-C form typically indicates that a debt has been canceled, making its absence concerning given the reported status of these debts. Actions Taken : In XX/XX/XXXX and XX/XX/XXXX, I utilized the online dispute mechanisms of XXXX, XXXX, and XXXX to address these inconsistencies. Between XX/XX/XXXX and XX/XX/XXXX, I communicated with AMEX 's credit reporting and dispute resolution department multiple times, seeking both clarification and rectification. As of XX/XX/XXXX, the discrepancies remain unaddressed, leading to my decision to escalate this concern via this complaint. Given the discrepancies and potential inaccuracies, I earnestly request a comprehensive investigation. If validated, I seek the removal of these accounts from my credit report to ensure accurate representation of my financial history.
Company Response:
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/, I opened a new gold american express credit card cause I saw offer of XXXX bonus points if I spend {$4000.00} in first 3 months. I got approved but they said I won't get bonus points, I was so confused. When I received the card, I called A/X to verify if I will receive the bonus points as they advertised on XXXX or not. The lady ( A/X representative ) firmly confirmed that I surely will get the bonus points. When I completed spending {$4000.00} I called them to get the bonus points, they said I won't get it, they also said will check the recording if the rep confirmed that or not. Couple weeks later, I called in & checked about my bonus points again. They confirmed the lady offered me XXXX bonus points on the phone by checking the recording, they said it as a mistake & I won't get any bonus points. They mislead information when offer me bonus points, I should had cancel the card at the beginning if they told me I won't get any bonus points, I have been charged {$250.00} membership fee for nothing due to their mislead information. conclusion : I need XXXX bonus points deposit to my account asap as they promised when I opened the new card which was offered & confirmed by their representative when I called in, it was recorded in their system.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A