Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is XXXX XXXX, the consumer in fact, and natural person is sending this notice to AMERICAN EXPRESS. AMERICAN EXPRESS is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the AMERICAN EXPRESS. Since the AMERICAN EXPRESS decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Upon receiving this notice, I implore you to CEASE AND DESIST further communication through all mediums, ie ; email, phone calls, consumer reporting agency or any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). It is unlawful to furnish any form to create a false belief to coerce payment for this alleged debt through deceptive means. Pursuant to 15 USC 1692d ( 2 ) the use of obscene and profane language in this correspondence was very abusive for me to read!! Not to mention the unfair means used to attempt to collect this alleged debt by attempting to add additional fees to the alleged principal amount giving false representation of not only the status, but the amount of this alleged debt.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I cancelled my XXXX XXXX and then the American Express Credit Card got automatically cancelled, which is fine, but now I'm getting bills from American Express even though my account was closed with a XXXX balance last I had checked and there were no pending transactions to be resolved and I always had autopay set up on the account ( and still do ) ( I always maintained autopay and a {$0.00} balance and these bills started well after any pending transactions would have reasonably been resolved ) and so there is no way that I could still owe American Express any money, but I'm receiving bills for {$780.00} and now XXXX on some account that seems to be the credit card that they had closed and it all makes no sense. This is very disconcerting and I'm not sure if it's fraud or something else.
Company Response:
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have purchase protection benefit with Amex card : I have purchased the item that has been stolen, Amex requested police report. Police report clearly stated a THEFT. Amex representative had stated it was " mysterious disappearance because police investigator did not examine the purse. Police investigator never even ask me to bring the purse into police station or to come in to police station. I ask to honor benefit offered under Terms and Conditions.
Company Response:
State: WI
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: 2023-07-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had accounts with American Express for almost 20 years. I pay around {$900.00} in annual fees alone. We have never had to rely too much on them, but over the last few months we have actually had to use the cards we have dutifully paid on time and historically in full. Over the last month we have had myriad purchases declined, a limit set arbitrarily low making our credit look worse, and today after paying around {$15000.00} in a single month theyre are threatening to lower the limit on a card that isnt due and which has ostensibly {$4500.00} in remaining credit. The treatment is absolutely shabby when we have never missed a payment with Amex. Threatening us with reducing the limit unless we pay {$2700.00} that is not due yet and that is thousands above the minimum payment is extortionate and abusive. I would swallow the miserable customer service if it werent so detrimental to my credit at the very moment I need the cards to help me move.
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: American Express National Bank closed my account and did not return my funds. I called on XX/XX/XXXX when I was unable to transfer funds. They informed me that the bank had decided to close my account on XX/XX/XXXX. I made 3 successful deposits into the account ; XX/XX/XXXX for {$4000.00}, XX/XX/XXXX for {$20000.00}, and XX/XX/XXXX for {$50000.00}. The account had been open since XX/XX/XXXX. When I asked how I would be able to recover my funds, they informed me they would not send me my funds and that I would have to contact the originating bank to have the funds reversed.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I received an email fromAmericanExpress '' After a recent review, your credit limit has been reduced to {$1000.00}. The cash advance limit is {$200.00} '' and " Amex virtual card number has been suspended ''. Conditional Acceptance of your claim. Please prove theaccount was not paid? This is an attempt to validate a debt againstAmericanExpress. This response is not a refusal to pay, this response is my conditional acceptance toAmericanExpresson the conditions being met as required by Commerce. Intentional Misrepresentation and Breach of Contract. Please provide a true bill of Commerce or increasecredit card to {$50.00} ALL my credit cards accounts within XXXX hours. Fix payments errors and increase my credit limit for ALL cards. Adverse action against a consumer is AGAINST THE LAW according to the EqualCreditOpportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consum er credit extended by a creditor under a plan in which : ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information account served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement. Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). ADD YOUR BANK has violated my federally protected consumer rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/ coupons at the inception of the accounts. Furthermore an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with monthly credit by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest- bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your default for the servicing of the aforementioned account. A national bank has no power to lend its credit to any person or corporation... XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX LED XXXX of expert witness XXXX XXXX XXXX XXXX STATE OF MICHIGAN. IN THE CIRCUIT COURT FOR XXXX XXXX OF XXXX ) XXXX XXXX, XXXX,. ) XXXX. Plaintiff,. ) XXXX. XXXX XXXX XXXX ( Attached, Affidavit of expert witness XXXX XXXX XXXX ) See-U.S. Constitution,1789, Article 1, Section 10. No state shall make anything but gold and silver coin a tender in payment of debts Desired settlement andresolutionReopen my credit cards and increase my credit limit, Thank you!
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: In XX/XX/XXXX, I discovered an unfamiliar credit card account on my credit report with American Express. The account was associated with the XXXX XXXX XXXX XXXX. However, I had no knowledge of receiving it. I immediately realized that this account was fraudulent and that I had been a victim of identity theft. Despite my efforts to contact American Express and report the fraudulent charges, they insisted that the account was opened legitimately and that I am responsible for all charges, as per the Cardmember Agreement ( CMA ). I explained that I never received the physical card and that all the charges on the account were made by someone else without my knowledge or consent. In response, American Express initiated a fraud investigation on XX/XX/XXXX. However, their investigation seemed insufficient as they closed it on XX/XX/XXXX, citing a lack of necessary information. I continued to dispute the charges and provided additional evidence to support my claim, but it seemed that my concerns were not being adequately addressed. I am frustrated and concerned about the impact this fraudulent account is having on my credit score and financial well-being. It is essential for American Express to take my claim seriously and conduct a more thorough investigation into the fraudulent charges.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I held an American Express Business Platinum Card with two disputes on the account. The first was that I was engaged in bait & switch pricing with XXXX XXXX after purchasing a gate upgrade at the airport. I was quoted a price for the upgrade, my credit card was taken to a back room and the payment was processed over the phone- - the amount that was charged was greater than the amount verbally quoted to me and my husband. This behavior from XXXX XXXX was documented in a XXXX XXXX XXXXXXXX article and they are currently under investigation. When I brought this fraud to my creditor, they initially denied my claim even though XXXX provided no evidence that I had authorized the charge in the higher amount and was under investigation for this exact form of bait & switch pricing. Similarly, I purchased a laptop from XXXX Computers that was not working within my XXXX product protection window, and alerted American Express that I wished to file a product protection claim because my return window with XXXX Computers had lapsed. American Express improperly and incorrectly characterized in their internal dispute notes that I was stating I should have had the right to return the defective laptop ; this was not the case. I was stating that I wished to exercise my right to product protection under out Agreement. After I told American Express that these XXXX disputes were mishandled, I was told the disputes were being re-opened in XXXX of XXXX. On XX/XX/XXXX, I spoke with a representative in a call center for American Express who told me not to " make a payment '' on the account while the dispute was being looked into, and was -- for the first of countless times -- told that someone from American Express 's management office would be in touch with me to discuss my concerns ; this never happened. I called in regularly and was told repeatedly that someone would be reaching out to me. This never happened. During XX/XX/XXXX 's call with American Express, I even assured the representative who told me to await contact from American Express that his assurances about a callback constituted a verbal contract in California, and that he is one of many representatives to have promised such a callback. This individual apologized to me profusely, and assured me I would receive a callback which never arrived. Later and after my matter was ignored further, I emailed the American Express XXXX XXXX and my matter was assigned to a XXXX XXXX XXXX. She alleged to listen to my concerns, and told me she would review my phone calls with American Express. She herself consistently promised me contact with dates that came and went. It culminated on XX/XX/XXXX when, after already pushing her self-imposed deadline several times, she wrote to me to say she would call me no later than XX/XX/XXXX. Unsurprisingly, and in keeping with this pattern of misconduct, extortion, and intentional miscommunication, XXXX XXXX was no in touch with me by XX/XX/XXXX. In fact, I wrote to her on XX/XX/XXXX and inquired about why the heinous delay had taken place. She wrote back XXXX days later on XX/XX/XXXX and told me that a letter had been sent to me. I received the letter the next week and, bizarrely, it includes the following sentence : " After an extensive call review of your account, we are unable to substantiate your claims of misinformation or missed callbacks. '' I feel that this letter constitutes misdemeanor document fraud, since XXXX XXXX herself had engaged in both misinformation and also missed callbacks before sending the enclosed letter, which she knew.
Company Response:
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute the inaccurate reporting status on an individual closed American Express account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual American Express account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. Thank you for your prompt action in resolving this dispute.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: On XX/XX/XXXX, I purchased four round-trip tickets on XXXX XXXX with my American Express Card . XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Flight XXXX XXXX to XXXX XX/XX/XXXX Flight XXXX Seat charges XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX to XXXX, XX/XX/XXXX Flight XXXX XXXX to XXXX XX/XX/XXXX Flight XXXX Seat charges XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX to XXXX, XX/XX/XXXX Flight XXXX XXXX to XXXX XX/XX/XXXX Flight XXXX Seat charges XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX to XXXX, XX/XX/XXXX Flight XXXX XXXX to XXXX XX/XX/XXXX Flight XXXX Seat charges XXXX, XXXX On XX/XX/XXXX I changed the outbound flight using my American Express card. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Flight XXXX Seat charges XXXX XXXX. XXXX XXXX XXXX XXXX to XXXX, XX/XX/XXXX Flight XXXX Seat charges XXXX XXXX. XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX Flight XXXX Seat charges XXXX XXXX. XXXX XXXX XXXX XXXX to XXXX, XX/XX/XXXX Flight XXXX Seat charges XXXX I was issued vouchers from XXXX for my previous seat purchases to apply to my new seat purchase. The vouchers were not working. I have a copy of the screen showing they did not work. XX/XX/XXXX at XXXX and XXXX at the time of purchase I called XXXX with the issue of the vouchers. I was instructed to pay with my card and I would have to file a complaint on the website. XX/XX/XXXX As instructed, I filed a case with XXXX XXXX, case number XXXX. The auto-response generated by the airline stated that we would have a resolution within seven days. XX/XX/XXXX, I received a generic response from the airline, stating that they were not honoring my complaint and would not be giving me credit or allowing me to use the vouchers. I responded again, documenting that their voucher system was not working and that we had double-paid for our seat selection. The airline has yet to respond. XX/XX/XXXX I contacted the airline because our seat assignments were all in row XXXX. I expressed concerns that I would not have under seat storage for my sons EpiPens. Here is a list of the call times in EST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During those calls I expressed concerns that the website was not working. If you listen to the recording of the calls, you will hear that each representative made a series of mistakes, including cancelling our flight. The last representative at XXXX assured me that we had all corrected seat assignments, even though I was seeing us all sitting in both rows XXXX and XXXX on the website. I also expressed concern because a new booking code seemed to keep appearing. Not once was I informed that any of the seats were cancelled back in XXXX as I am being told by XXXX XXXX in XXXX XXXX XXXX XXXX. XX/XX/XXXX We arrived at XXXX XXXX to board out flight. At the ticket counter the woman from XXXX XXXX ( operating for XXXX ) informed us she was the manager but would not give us her name. She told us that we could not board because our childrens tickets were cancelled. She told me she could not help and I had to call customer service. The following calls took place : XX/XX/XXXX XXXX XXXX XXXX the rep at XXXX XXXX from my phone to the General Manager at the counter and they hung up XX/XX/XXXX XXXX the rep had not idea what was wrong and denied me to speak with a Supervisor After that point the General Manager said we were all not allowed to board the airline XX/XX/XXXX XXXX XXXX XXXX call a representative assusred me that despite not being allowed to talk to his Supervisor, the case was being escalated to XXXX and within several hours we would be rebooked on a flight. XX/XX/XXXX XXXX I had not received a call or email so I called back and spoke with XXXX XXXX I was told it would take 7 days to resolve and there was no proof of my call from the prior evening. He again denied my request to speak to a supervisor. I asked if I booked another flight to XXXX if we would take out return flight on XX/XX/XXXX and he said we would not be allowed to board that flight because all of our tickets were cancelled. XX/XX/XXXX XXXX XXXX XXXX XXXX call where a woman I believe names XXXX told me it was our fault we didnt board the flight, we missed the flight. XX/XX/XXXX XXXX XXXX XXXX call I spoke with XXXX again and he was just as unhelpful We had a cruise and several other nonrefundable portions of our trip. Based on the ambiguity of the responses from XXXX we could not conclude that it would be covered under insurance. We had not choice but to rebook a rountrip ticket for all four of us. Travel Details XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Origin XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Departing XXXX XXXX Arriving XXXX XXXX XXXX XXXX tickets Travel Details Sunday XXXX XX/XX/XXXX Airline Record Locator XXXX Airline XXXX Operated By /Iberia For XXXX XXXX XXXX XXXX XXXX Origin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Departing XXXXXXXX XXXX Arriving XXXX XXXX Class E Premium Economy Seats XXXX, XXXX, XXXX, XXXX XXXX - XXXX tickets We had already purchased seats for the identical XXXX XXXX. XX/XX/XXXX XXXX stay XXXX XXXX XXXX has violated both the Passenger Bill of Rights and their Contract of Carriage. The airlines did not compensate us or provide substitute compensation. In direct contradiction to that they informed us that our ticket was cancelled for our XX/XX/XXXX flight and it was not. They also were supposed to refund all credit card payments within 7 days. In XXXX Contract of Carriage it states : As established in the European Parliament and Council Regulation ( EC ) No. 261/2004 of 11th February, in the event of denied boarding to passengers although they have presented themselves for boarding under the conditions established in this Regulation, compensation is fixed and the carrier is liable for the provision of immediate aid and assistance to affected passengers. Both XXXX XXXX and American Express are equally to blame. XXXX XXXX, to date has never notified us of any cancellation. To the contrary, we were allowed to change the seat of all passengers and were allowed to make seat selections. Furthermore, the XXXX agent incorrectly stated that our XX/XX/XXXX flight was cancelled and we still had those seats, therefore we did not need to pay an additional XXXX for the identical same flight AND XXXX XXXX American Express has admitted that their customer service representative made a mistake when disputing the charges. They reviewed the call and I have notes of the call. The agent kept making mistakes and I was repeatedly correcting the agent. AMEX lied to the CFPB in complaint XXXX and said that they applied credits and they did not. The investigation is still in progress in their system and they are still adding charges back. I have emailed the office of XXXX XXXX, CEO to speak with someone and XXXX keeps calling back stating that the case is still open with CFPB. The entire problem is that no one from either AMEX or XXXX will speak with me and both companies have made monumental mistakes.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A