Date Received: 2023-08-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: AMERICAN EXPRESS COMPANY is obligated pursuant to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filings and Indenture agreement to perform their contractual obligation by making payment of the principal amount and interest on all notes issued to the registered holder of said note. Consumer sent several notices via UNITED STATES POSTAL SERVICES dated XX/XX/2023, XX/XX/2023 to XXXX XXXX XXXXXXXX XXXX XXXX notifying him of redemption of said note and to transfer the principals balance to the principals account number to set-off the account to XXXX as stated in AMERICAN EXPRESS COMPANY indenture agreement Method of payment ; Denomination ; Transfer ; Exchange ;. Said company had 3-5 business days upon receipt of such notice to perform their Fiduciary duty, but failed to act in honor and good faith pursuant to their contractual obligation. AMERICAN EXPRESS COMPANY is also obligated by the FCRA to report accurate accounting to Consumer Reporting Agencies CRA, however the reports being furnished is inaccurate and a defamation of consumer character. SAID company is also liable under the CFPB and SEC to remain complaint with financial laws and regulations. AMERICAN EXPRESS COMPANY commission file number XXXX. XXXX XXXX. SAID company is still reporting inaccurate and late payment information on an open ended credit card account which is a violation of 15 USC 1666A, 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ; took an adverse action against the consumer by decreasing the credit limit due to their failure to not act in good faith by not applying consumer credit balance to set-of the account ; which is discrimination under the Equal Credit Opportunity Act ( ECOA ). AMERICAN EXPRESS COMPANY willfully and knowingly choosing to act in dishonor is damaging my consumer report, causing me mental anguish and emotional distress. I will be filing Treasury XXXX forms XXXX and IRS XXXX form XXXX to audit consumers account. AMERICAN EXPRESS COMPANY is securitizing my data yet refuse to transfer the principal interest to the principal balance to set-off said account to XXXX balance which they are lawfully required to pursuant to their indenture agreement; SEC filings XXXX, XXXX.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2. A consumer reporting agency can not furnish an account late for any purpose.
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received 2 different XXXX XXXX cards in the mail. When I called American Express to activate one of the cards, the representative confirmed that I would get the bonus points after the {$4000.00} spend. Again, after doing the {$4000.00} spend, I called Amex and once again was told that I would get the bonus points and to wait 8 weeks. After waiting 8 weeks, I called again and was told that I would receive the bonus points and this would be escalated. Despite this, American Express is now claiming that it does not matter what American Express told me previously, they are not going to honor what they told me. I have escalated to the CEO level XXXX XXXX and still denied.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have been unable to use my American Express virtual gift card with {$370.00} since XX/XX/XXXX. I called American Express 6-8 times over the last 8 weeks. Im always told that the card is fine and that it was the particular merchant. One time I was told that it was the merchant on XX/XX/XXXX had placed a pre authorized hold on the account that must not have been lifted. I reached out to that merchant and they promptly responded that this was an American Express issue. Ive tried using the card in store and online through a variety of National Chain merchants. There is no higher up to investigate or take my call and they will not issue me a new card. I have called several other times in XXXX, but would have to pull my phone bill. XXXX 45 minutes XXXX 25 minutes XX/XX/XXXX 7 minutes XX/XX/XXXX 14 minutes
Company Response:
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: For many months I have been receiving my credit card account statement with a box in the upper right corner in large font that reads " Cash Back Rewards This Period : _______ ''. The blank line reads the month and year of the statement, such as XX/XX/2023. And then a dollar amount is given. When I looked for that exact dollar amount as a deposit into my bank account, I found out that it was about half of what my statement said. When I called and spoke to many representatives I was informed that the amount written in the box at the top of the statement was for XXXX months, not just XXXX. This is not only misleading, it is a lie. It leads the customer to believe that they are making twice the cash back that they actually are! When I called them to ask why this was, they had no answer, and said that they would raise the issue with their higher-ups. If the text box says " Cash Back Rewards This period XX/XX/2023 '', the amount in the box should only be what was earned in XXXX. Not XXXX AND XXXX.
Company Response:
State: MN
Zip: 55104
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: Consumer Financial Protection Bureau, I trust this letter finds you in good health. I am writing to bring a matter of utmost concern to your attention, pertaining to inaccurate reporting and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I find myself entangled in serious issues with American Express, resulting in discrepancies in financial matters and credit reporting that demand immediate attention and resolution. On XX/XX/2022, a Motion to Dismiss and Compel Arbitration was initiated. Unfortunately, the plaintiff failed to respond to the filed motion. Consequently, the case was stayed for 60 days from the date of the order 's entry ( attached herewith ), allowing American Express the opportunity to submit the case for arbitration as per the agreed terms. The court retains jurisdiction, and the aforementioned case shall be reinstated upon motion either after the completion of the arbitration process or after the expiration of 60 days. Notably, American Express did not pursue arbitration within the designated timeframe of 60 days. These inaccuracies, characterized by my account being labeled as " Closed, '' " Late, '' and a balance being indicated on my credit report, have significantly and adversely impacted my creditworthiness. Such erroneous reporting stands in direct violation of both the FDCPA ( 15 USC 1692K ) and the FCRA ( 15 USC 16810 ). Despite my persistent attempts to address this situation by reaching out to American Express, a resolution remains elusive. In light of these circumstances, I am now turning to the Consumer Financial Protection Bureau, seeking your intervention and assistance in facilitating a swift and equitable resolution to this matter. I kindly implore your expertise to investigate and address the issues raised above, rectify the inaccuracies, and uphold the principles of the FDCPA and FCRA. Your support is instrumental in resolving this issue fairly and promptly. I addition Civil Action 22A:02434-3 is currently under litigation. On XX/XX/2022, a Motion to Dismiss and Compel Arbitration was initiated. Regrettably, the plaintiff did not respond to the filed motion. Subsequently, the case was placed on a 60-day stay, commencing from the date of the order 's entry ( attached herewith ). This stay was intended to allow American Express the opportunity to pursue arbitration as per the agreed-upon terms. The court maintains jurisdiction, and the aforementioned case will be reactivated either upon motion following the arbitration 's completion or after the lapse of the 60-day period. It is noteworthy that American Express did not initiate arbitration proceedings within the stipulated 60-day timeframe. Thank you for your consideration of this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: Subject : Request for Investigation and Resolution of Inaccurate Reporting and Violations by American Express and XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring a matter of significant concern to your attention regarding inaccurate reporting and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am facing serious issues with American Express and XXXX XXXX XXXX, which have resulted in financial and credit reporting discrepancies that require immediate attention and resolution. In XX/XX/XXXX, I entered into a payment arrangement with XXXX XXXX XXXX to settle my debt. As per the agreed arrangement, I began making payments of {$500.00} per month, and later set up autopay as confirmed in the letter I received from them. However, in XX/XX/XXXX, I noticed that neither the payment for XXXX nor XXXX had been deducted from my account. Consequently, I manually made the payment for XXXX. Further complications arose when I discovered that two unauthorized payments were debited from my account in XX/XX/XXXX, totaling {$2100.00}. This exceeded the agreed-upon amount of {$7900.00}, causing an overpayment of {$2600.00}. Despite my diligent efforts to complete the payment arrangement, these discrepancies remained unresolved. Furthermore, XXXX XXXX XXXX demanded an additional payment of {$2100.00}, claiming that I could avoid further collection efforts and settle the judgment for less than the amount owed. This demand contradicted the initial payment arrangement and only added to the confusion and distress. Additionally, American Express and XXXX XXXX XXXX have inaccurately reported my account as " Closed '' and " Late '' on my credit report, causing substantial negative impacts on my creditworthiness. This inaccurate reporting violates both the FDCPA ( 15 USC 1692K ) and the FCRA ( 15 USC 16810 ). I have attached relevant correspondence, including the letter confirming the autopay arrangement and the unauthorized payment withdrawals, to support my claims. Despite my numerous attempts to rectify the situation by contacting both American Express and XXXX XXXX XXXX, no resolution has been reached. I am now reaching out to the Consumer Financial Protection Bureau to request your intervention and assistance in resolving this matter promptly and fairly. I kindly request the following actions : Investigate the inaccuracies and violations in reporting by American Express and XXXX XXXX XXXX. Ensure that any overpayment is accounted for and appropriately adjusted. Require American Express and XXXX XXXX XXXX to provide a letter of completion and correct the inaccurate reporting on my credit report. Address the discrepancies in the payment arrangement and resolve any undue financial burden placed on me. Your assistance in resolving this issue is greatly appreciated. I eagerly await your response and the steps you will take to rectify these violations and restore the accuracy of my credit report. I have attached the letter from American Express Response letter to the concerns I was having with XXXX XXXX XXXX dated XXXX XXXX, email the Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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 purchased an airline ticket from AmEx travel. I changed my ticket with XXXX ( not American ) because AmEx travel online had very long hold times, and XXXX travel told me they can't help with an online ticket. American told me to call XXXX, and so I did. My ticket was initially an American ticket for travel on XXXX. Any cancellation would result in credit with American. XXXX never informed me their change would completely change the rules of my ticket going forward. AmEx travel acknowledged this should never have been done by XXXX and was their mistake. American agrees it was a mistake XXXX made, but they can't fix it. I do not need credit on XXXX, and purchased my ticket through American specifically so if I had any changes my credit would be there. I disputed half the cost of both of those tickets for I have reasons stated. If AmEx travel or American Airlines, the two parties involved in selling my ticket, request back up for why I am disputing, I am glad to reiterate what I stated above and several times before, that the ticket rules were changed on me, and I am no longer able to get AA credit as was the rules at the time the ticket was sold. I am confident that I am correct that I should not be penalized or negatively impacted by mistakes made by XXXX. Amex travel refused to refund me, and Amex resolved the dispute internally, against themselves, in their favor. XXXX Ref. XXXX and Ref. XXXX
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A