Date Received: 2023-07-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received an email saying a virtual card number was opened for my card. I didn't request anybody to open a virtual card number on XXXX XXXX. Please investigate why such an email was sent to me. Your Card has now been enrolled for an American Express virtual card number Is this normal? Would this impact my credit history?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a {$300.00} American Express gift card on XX/XX/23, which does not seem to work in any online retailer that I've tried. Requested a refund on XX/XX/23, and was told that it is being reviewed. After multiple calls explaining that it would be expedited ( last called on XX/XX/23 ), I still have not received a refund on the gift card.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Multiple unauthorized inquiries on being reported on my credit report.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express Delta skymiles gold card fraudulently offered a sign-on bonus never informing me that they rejected me from the sign on bonus. I was not informed. In all correspondence, they failed to mention that. I applied to the credit card with sign on bonus only. I diligently completed all the terms of the agreement to receive the sign-on bonus. I called to find out when I could expect the bonus points. They told me I would not get them. They would not help me at all. I would like to be compensated the bonus offer of skymiles that are owed. If they can not do that, I need them to expunge that this credit card was ever applied for in my name as it was advertised falsely.
Company Response:
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Discrimination : American Express National Bank closed my account, in part, because I am transgender. My account was closed for " suspicious activity ''. Part of that activity was that my email address and my legal name do not match. I have informed the bank and its 3rd party customer service company on several occasions that my legal name and preferred name do not match because I am transgender.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I called in XXXX of XXXX to close my XXXX XXXX American Express credit card and was told it was closed. Then in XXXX of XXXX I got a bill for the {$99.00} fee only to be told by the company they had no record of my call or my desire to close the card. The card had not been used in two years. I have spent hours on the phone with them and they refuse to cancel the card unless I pay the {$99.00}. I have talked to multiple supervisors and nothing has gotten done aside from them telling me I can re-sign up for a " blue '' card that would have fewer fees and then only have a {$9.00} fee for a one-month transaction. However, then I would be forced to take out another credit card with this fraudulent company. It feels like they are doing whatever they can to trap you in their credit cards and fees.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XX/XX/2023 : I attempted a purchase on XXXX using the XXXX XXXX XXXX XXXX XXXX offering to complete the transaction over four payments. The payment resulted in an Error message. Given that the item, which in this case is a Verified Resale ticket, reappeared on the stadium concert map, I believed the purchase was not issued and that I should reattempt my order. I made several more attempts using the XXXX feature on the XXXX site, and received Error messages each time. I ultimately gave-up on the seat, chose another, and used a credit card to pay up-front in full, i.e., not using XXXX to secure the purchase. This attempt allowed me to purchase a ticket and I received one confirmation email. I then noticed several pending transactions on my credit statement from XXXX. I immediately reached out to customer support given I used credit for my successful transaction. The XXXX representative reassured me the pending credits would disappear after the merchant ( XXXX ) refunded or canceled the charge. This initial charge amounted to {$190.00}, roughly a quarter of the total {$790.00} XXXX purchase. XX/XX/2023 : After waiting for the pending charges to clear, my credit statement revealed the XXXX payment had not been removed and additional charges would soon be on the way. After calling XXXX again, I was told the issue must be taken up with the merchant, XXXX. After waiting over 3 hours for a XXXX representative to reply to my complaint via Web Chat, I was told that the purchase had indeed gone through and I was the holder now of two tickets ( didnt matter they werent remotely close to one another ). I was told that XXXX was in fact not the primary seller, and that their Verified Reseller program is simply a marketplace. I was referred to a lengthy and convoluted policy of nearly XXXX words at XXXX : XXXX? language=en_US. A representative suggested I might receive additional outreach from Customer Support within 3 5 days while they examine the case and consider a refunding option. However, it is extremely unclear the mode of contact and whether I will be contacted at all. I am urging the CFPB to investigate this and similar matters with ticketing platforms that cloak as a marketplace in order to skirt accountability.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was shopping for plane tickets on XXXX. When I got to the payment page, a promotion for a XXXX American Express card came up and it said if I spend over {$2000.00} in the first 6 months, I would receive {$300.00} off my statement balance and XXXX mileage points. To obtain the promotion, I purchased a more expensive seat to XXXX to hit the {$2000.00} criteria. I never received the XXXX off nor the miles. I called American Express and they stated that I had already previously received a promotion on my platinum car, so I could not receive this promotion. I informed them that the promotion never stated that caveat in addition I hadn't received a promotional offer for my platinum card, I just had enrolled. She searched for my previous promotions received and could not find it. She said the system doesn't go back that far for her to check and that said she couldn't help me further. I entered a complaint with Amex.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I see a few violations involving XXXX, XXXX and XXXX along with XXXX XXXX XXXXXXXX, XXXX XXXX and AMEX accounts. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financiaXXXX institution and the XXXX reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying Information of another person without authority. Anything added to my report without my written consent could be considered Identity theft. XXXX XXXX XXXX, XXXX XXXX and AMEX changed off these accounts.. According to the IRS website. A charge off is considered a Certificate of Indebtedness which means it is considered Income. Income is not debt so these accounts need to be removed. When a company charge off debt they are supposed to send the customer a 1099 form so it can be filed with my taxes and must be removed. Ive sent XXXX XXXXXXXX XXXX, XXXX XXXX and AMEX an opt out letter a month or so ago. I attach the letter to this complaint. Also I uploaded a screenshot of my credit report showing the inaccuracy of the reporting. XXXX, XXXX and XXXX have different account number, open dates and last payment. 15 U.S. Code 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall Follow reasonable procedures to assure maximum possible accuracy of the Information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information Contained in consumer reports you are also violating compliance procedures Under this title 15 U.S. Code 6802 Obligations with respect to disclosures of personal Information ( 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 15 U.S. Code 1681c Requirements relating to information contained in consumer Reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report Any item that is a derogatory mark is not allowed into consumer reports. This is another violation
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: CFPB Ref # XXXX AMEX had billed me {$590.00} ( annual renewal fee ) for a card that I do not utilize after the pandemic. Most vendors that I utilize, stopped accepting AMEX. AMEX purportedly is owed approx {$200.00} ( fees ) for some late payments in XXXX. I tried to explain that I had family medical issues that started in XX/XX/XXXX, after the pandemic and this occurred again in XX/XX/XXXX and has created continuous problems with family 's circumstances. AMEX most recently, has offered a pay to settle for approx {$330.00} on or before XX/XX/XXXX. I am trying to resolve this matter. I called the toll free number and asked for a pay for delete. The individual I spoke with at AMEX ( XXXX ). works in XXXX and said that there is no such thing as pay for delete with AMEX. When I questioned her, she said she wasn't sure and I would have to speak to another representative within AMEX ( again in XXXX ). Another representative came on the line and wanted to me go through the card number, DOB, social security number, etc.. I am being told that I'm being transferred to a supervisor, yet it seems odd that I'm reiterating my info again. Something is wrong! I am trying to resolve this minor issue and I keep getting bounced overseas to XXXX. I want to speak to someone in the USA to resolve this. My family and I used to get various calls ( which have stopped now ), from XXXX with thick accents as well, saying they are from AMEX. It was harassment for months. he collection representatives said they are from AMEX but they are from a collection agency. The representatives would never identify themselves as being from the collection agency, but now after I contacted the CFPB initially, AMEX has provided a written response by letter ( dated XX/XX/XXXX ), that the representatives are not AMEX employees but part of XXXX XXXX XXXX, XXXX. This is a minor item and it can resolved with a conversation domestically here in the USA. I'd like to have AMEX provide me with a contact person to resolve this issue. You will see that AMEX sends response letters after complaints to the CFPB with an address in Florida. There is no name or contact details for a specific person to contact, rather we call various toll free numbers and get bounced around. The letter is signed by XXXX XXXX. Who is this? Why does AMEX hesitate to sign a letter with a proper first name and last name, but yet requires customers to state, verify and reverify all their personal details? I find it difficult that I am contacting an AMERICAN company and can not reach an AMEX employee in the USA to resolve a minor {$200.00} issue.
Company Response:
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A