Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: AMERICAN EXPRESS has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused mental anguish and psychological damage. They claim that there are laws that allow them to violate my consumer rights and 15 U.S. Code 6802 ( b ) ( 1 ) ( B however have not cited any such laws in any of their responses to my notices. Here the federal laws they have broken. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have not given them permission to share my information with any third party nonaffiliated corporation. 15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I have not given them permission to disclose my records to any third-party nonaffiliated corporation. 15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I have not received any notice from American Express which provides me the option to opt out of any disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. No such clear and conspicuous disclosure has ever been provided to me. 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have not been given any such opportunity to opt out of the initial disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No explanation has been given to me. Per 15 U.S. Code 1681 ( a ) ( d ) Consumer Report ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is evident that American Express has violated 15 U.S.C 1681 ( a ) ( d ) ( 2 ) for my report contains information in relation to transaction history. Altogether, they have violated my rights one hundred fifty-two ( 152 ) times. They claim that they sent a pdf response to my previous notice, however, the link could not be clicked as seen in the attached documents.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. AMERICAN EXPRESS Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a prepaid AmEx gift card in XX/XX/2021 that has a remaining balance of {$98.00}. At some point after purchase, AmEx apparently changed their terms per their representatives, without notification, and I have been unable to use this card as promised. I have had issues using this card as it is being declined at every retailer ( see full experience below ). I have been given multiple reasons, supposed fixes, 5+ hour long calls ( yes, you have that right, see the unresolved XXXX complaint XXXX that AmEx has not replied to for months for context, this horrible experience is not included in the full experience below ), and a card that is ultimately not working as agreed to when purchased. I need AmEx to provide a full refund on this card and acknowledge the incredibly awful and unprofessional experience regarding this gift card below. Full experience : I have an AmEx prepaid card that has been declined at multiple merchants and is unable to be added to XXXX XXXX. I called AmEx 's customer service number multiple times to be told that my card needed to be re-issued over a month ago, yet they never sent one. I then called back a month later to be told that they never sent one but just " reactivated '' my card without any notification. Of course, upon trying to use the card again, this specific time at XXXX, it was declined. I called again and was told that the card can not be used in any wallets ( even though I didn't use it in a wallet ) and was transferred to a manager. The manager then said I can use it in my wallet (? ), just not on XXXX. I then tried using it at multiple merchants ( XXXX, XXXX XXXX, XXXX ) and all that were declined, and am being told that I can not use it at all with XXXX due to risk. They then offered for me to speak to a team to have my card added to XXXX XXXX, which I agreed to, and I am transferred to one of the rudest female representatives I have ever spoken with, after being on the phone for an hour, who said that my payment for this card ( a card I paid for over 2 years ago ) is " under review '' and hasn't settled (?? over two years later? ) and that my card will not be unlocked until the review is complete... Instead of actually being helpful, she continued to repeat that I didn't understand this simple issue and then hung up the phone. Yes, really, after waiting for over an hour, being given new/different information by each rep, did AmEx have the audacity to hang up the phone. To top everything off, I spoke with a female " supervisor '' offshore who put me on hold for over 5 hours ( again, see the XXXX complaint referenced above ) who happened to be even worse ( surprisingly ) than the female above. After 5+ hours ( possibly more ) of hold music, without her offering a callback, I happened to catch her during he 2-second check-ins she did every hour and asked for a callback. Of course, no one called, and this experience with this individual was incredibly concerning, unprofessional, and a major waste of AmEx 's resources, likely already known by the supervisor/employee happily getting paid while doing nothing.
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This is a complaint against AMEX. I opened an account with them and paid an annual fee of XXXX . The product was an AMEX gold credit card. They closed my account without notifying me via email or app that the account would be closed due to their inability to verify some type of information 6 months into the account. Account # : XXXX Open date : XX/XX/XXXX Close date : XX/XX/XXXX ( exact date closed by them unknown )
Company Response:
State: CA
Zip: 90291
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unknown Inquiry on Credit Report. Violates 15 U.S. Code 1681.
Company Response:
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was a XXXX XXXX member who holds an XXXX XXXX XXXX credit card with American Express. I upgraded to XXXX XXXX in the past and my status was not being reported by XXXX to American Express automatically, causing me not to earn the 5 % agreed to in my card 's terms. I have since been thoroughly troubleshooting this with XXXX for over 6 months, and XXXX has been providing multiple stories, such as they have already sent my upgrade information, can not send it, or, in every case, that I need to contact American Express to resolve. I have also contacted American Express separately who is pointing fingers back to XXXX stating that they have not received the upgrade information rather than coming to a resolution as partners, and putting myself as the consumer in the middle. I have escalated this as high as possible with XXXX over the past 6 months and have not gotten a response nor a resolution, and I have needed to downgrade BXXXX XXXX in the meantime as I am not getting the benefits that are supposed to come with this card. Of course, I will upgrade again right away in order to resolve this issue. My information ( email, name, address, etc. ) matches exactly on both the American Express and XXXX sides, so I am not clear why I am not being upgraded immediately to the 5 % tier when activating a XXXX XXXX subscription. This is a co-branded card and a partnership and I need American Express to work with their partner, XXXX, on this issue to properly meet the terms agreed to with this card when I signed up.
Company Response:
State: IL
Zip: 60189
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX I was associated with apparently opened an American Express Card account using my information and credit. ThaXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to use that account and to make payments on it until the death of my spouse of 49 years, XXXX XXXX XXXX. who passed away on XX/XX/2021. Within months of her passing, I received notice from American Express National bank that I was the named XXXX for the account in question. I informed them that I had never opened or maintained that account, and that it was opened by someone within the named XXXX XXXX without my permission, and that I was not the responsible party. I later learned that my wife had apparently opened the acoount without my permission, and I filed an Identity Theft claim with the FTC. American Express National Bank contends that since the card agreement was mailed to my address and the account was used, that I continue to be the responsible party for payment, now that the XXXX XXXX has closed. I continue to contend that I never agreed to open said account, never knew that I had been named the responsible party, and that I never benefited from the account.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe I am a victim of identity theft American Express, XXXX XXXX, XXXX AND XXXX have all violated U.S.C. Title 18 1001, 2071, 2073 ( falsifying records ) 15 U.S.C. 51692 ( e ) " false, deceptive, an misleading representation, in connection with the collection of any debt '' such as the false representation of the character or legal status... They're purporting a debt under false pretenses
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On my American Express account, I had an additional card for one of my employees, XXXX XXXX. He passed away around XX/XX/2022. At some point ( at least several months ago ), I went to the American Express website, planning to remove/cancel the card. That option was not available online, so I took the option of " freezing '' the card. Today, I discovered that I incur a {$170.00} annual fee for each additional cardholders. I called American Express and had them remove XXXXXXXX XXXX XXXX altogether. I asked if they would refund the {$170.00} fee or a portion thereof since XXXX had died over a year ago. They did not. Is this within their rights?
Company Response:
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Amex : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A