Date Received: 2023-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: If this is not resolved immediately I am suing American Express & The Credit Bureau for this unlawful act!!! In accordance with the fair credit Reporting act XXXX Account XXXX XXXX American Express, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX XXXX tickets were purchased from XXXX XXXX using my Amex card. Each ticket was {$6900.00} for a total of {$13000.00}. The fight was for XXXX XXXX on XXXX XXXX in XXXX XXXX, Nevada. On XX/XX/XXXX I opened my Amex app to look over my purchase totals and discovered this had occurred. I followed their procedure regarding a complaint, I researched the XXXX info, found the ph. # and called their customer service department. I explained to the XXXX rep that besides the fact that I hate fighting of any sort, and I would never spend {$14000.00} to see 2 men punch and beat each other, I had just had XXXX XXXX XXXX on XX/XX/XXXX and I had neither the thought, energy or desire to do anything more than recover. The XXXX rep told me that I had gotten the tickets, I had purchased the tickets so I owed for them. Again I told her I did no such thing. She responded that they do not give refunds and she hung up. Then I got on the Amex site and began a dispute regarding the charge. The dispute went to their fraud department. The fraud department called me about this charge. I told them all the reasons I would not have bought those tickets, adding that I was XXXXXXXX XXXX XXXX ( at the time ), I live on a fixed retirement income and I had no intention, much less the finances for such a purchase. At this time I remembered seeing emails from XXXX XXXX, I never opened them, I was concerned they were spam or a scan and my computer would be hacked. I had saved them and opened a few, One said that I needed to download their app so that I could receive the tickets. I never downloaded the app. Another said my tickets had been send to my email, I never saw any tickets. What the emails did say was " for your security you can not respond to this email ''. I told the next fraud rep from Amex all of this. Amex deemed the charge fraudulent and removed the charge from my account. I thought all was done. My XXXX charge was correct. Then came XXXX charge, all correct. Then came XXXX and again the {$14000.00} XXXX XXXX charge was on my card with the notation that the fraud had been dismissed and payment was due. The last Amex person who called me in XXXX, XXXX, told me that the case was closed and she gave me the direct line to the Amex fraud dept. if I should need it in the future. I called the fraud department in XXXX, XXXX. I call and spoke to an Amex fraud rep once a week for 4 weeks, saying all of this again and again. However, in addition, I let them know that on the date of the fight, XX/XX/XXXX at the time of the fight ( I was sent an email letting me know of the time change ) of XXXX XXXX. I was with my daughter and grandson celebrating my daughter in laws birthday. I have time and date stamped pictures showing me wih my grandson and family on that date. Each person said they would look into it and get back to me. They never did. I told one of the fraud reps that I was entitled to written information on what was going on with the case. I never got any written information. One fraud rep told me that XXXX XXXX conctacted Amex, said I had used the seats and I needed to pay for them, which is why the charge was put back on my card. I told that rep that XXXX does everything electronically, there is NO face to face, no verbal contact. Some one must have hacked my email, got my phone number and my address, I did none of that. Amex has remained silent Something is hinky with Amex. When all of this began, like so many people, I kept my correspondence from Amex and XXXX XXXX emails in a separate file. I went back on line in XXXX trying to figure out Why and How I had the charge back on. It was then, on XX/XX/XXXX that I discovered a page that show FOUR ( 4 ) XXXX XXXX I was stunned, how could I miss XXXX {$7000.00} charges!? Then I realized that there were never four, my bill was for XXXX XXXX was {$17000.00} ( {$14000.00} + my {$3000.00} litigitamite purchases ) it was NOT for {$28000.00} + {$3000.00} ). I called the fraud department to tell them this- they did nothing. I got back on Amex on XX/XX/XXXX and the bill was back to TWO XXXX XXXX. I learned to take screen shots because what I saw one day on my Amex bill was not always there the next. When I decided to go further with this complain the CFPB was suggested to me and I went into my Amex/XXXX files to get the emails I had saved - they were gone. The email telling me to download the app., the email telling me how to get the tickets, the email that said 'for my security I could not respond to the email ' all were gone. Amex expects me to pay the {$13000.00} by XX/XX/XXXX. I have done everything I can think of to try and work with Amex and have them understand that, for this case, my identity was stolen, but they won't listen.
Company Response:
State: IL
Zip: 60467
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: In XXXX of 2022 I had purchased two {$500.00} gift cards from amex for my older XXXX kids as part of their XXXX and bday gifts, for a total cash purchase of {$1000.00}. Luckily I saved the receipt and the packages of the actual gift cards with my proof of purchase in a separate shopping bag because my purse was stolen that night including the car I had my purse in not to mention many XXXX gifts id been buying and had been storing in the trunk temporarily!! So it wasn't a good moment for me. The only thing that saved me with this particular purchase and gift cards was that I kept the shopping bag with me in the house. I didn't realize I had left my actual purse under the seat by accident. Well I hadn't even had a chance to register the cards in my own name yet and I couldn't remember the card numbers but when I called amex with the info and the info on the packaging of the first cards they were able to pull up the card numbers and stop the cards. Some of the balances had already been charged by the thieves but they assured me that because I had the actual receipt with the packages of the card that they could actually either refund my entire purse purchase or they replace both cards. I started I was fine with the card replacement as they were gifts for my kids bdays and I was gon na have to get them new ones anyway. So they explained I was going to need to send a photo of the receipt and the packages and my id. And also submit some dispute forms that they had that's l emailed me. I complied with all their requests. I was told to call back later that week for an update. I did that as well and the phone rep said the dispute had been found in my favor and they were sending me two new cards for the entire purchase. I asked meant questions to make sure that they weren't gon na just send e the difference of what was left on the cards. They assured me I was the same as my purchase. XXXX XXXX cards gift cards. Well later that week. I anxiously XXXX my mail. I received a letter, just a later dated after the numerous calls I had made to confirm everything stating that I my entire claim was denied. So why did two different reps tell me the opposite in two separate occasions. That new cards were being mailed. They even gave me what I was told was serial numbers for the replacement cards. I have the emails saved where they sure me everythings fine and in my favor. So how in the world can a company that's as well known as amex just completely turn around and do the complete opposite of what their reps assured me was gon na happen?? How is that even morally right aside from basically showing me their company word means nothing? How do I know a crooked employee didn't just keep them for themselves and write up a little letter denying me. It makes no sense. How can they not care about the trust they build with customers over the years? I don't feel it's morally right how they conducted business, getting my hopes up just to let me down. And leave me powerless and in a horrible position of not being able to give my children replacement cards or replacement gifts for their much anticipated birthdays and xmas. I was already dealing with a stolen car, a stolen purse with many valuables such as early XXXX gifts I had started purchasing early to help with the last minute stress of the holidays. Having to deal with the stress of calling all the cards and cancelling them and putting in dispute after dispute due to all the charges the thieves made on my cards. And all the lost gift cards I had to chuck up as a loss because I didn't have the proof of purchases for those slightly older cards as they were gifts given to me for various holidays that I'd been saving up for a rainy day. I didn't have any available funds to be able to buy my kids any type of replacement gifts so needless to say I was very upset to be toyed during a very traumatic and already upsetting situation that I didn't cause. I was a victim. Given the circumstances, there job was to assist me in any way they could and that didn't necessarily mean they had to replace my cards no matter that. But I feel that due to the nature and the sensitivity of the situation I was in, it be their moral obligation to at least not make it any harder or more stressful for me than it already was. Rather than to be strung along with false hope that at least one thing was going right after all the loss I was taking. Well after that I emailed and called for weeks tent to get a supervisor to review what had went wrong. Why I was told one thing by different reps, only to be denied any kind of refund even a partial one. I couldn't get anyone to listen and help even after emailing them proof of what that reps had told me. No one helped me. They would leave me in hold for hours. Then hang up on me. I couldn't get any answers let alone get anyone to fix how id been wronged. I'm hoping that if an agency follows up on this on my behalf they'll be forced to at least produce answers that could explain what happened and ultimately end up making this right. Please help!
Company Response:
State: CA
Zip: 93901
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX, I discovered with great dismay that my credit history had been severely impacted by American Express due to a missing payment in XX/XX/XXXX. Concerned about this sudden negative entry, I immediately reached out to American Express via their online chat service to address and rectify the situation. Regrettably, after an exhausting two-hour conversation, during which I was transferred among eight different agents, I received no satisfactory answers or resolutions to my predicament. Through my interactions with the various agents, I discovered that the charge in question, totaling {$4.00}, was attributed to a credit card account ( XXXX XXXX XXXX, ending with XXXX ) that had been closed in XX/XX/XXXX. It was astonishing to find that a new charge appeared on this closed account after a period of over XXXX years. Furthermore, I was neither informed nor notified about this charge, which subsequently led to a missed payment reported to all three credit bureaus, resulting in a significant drop of more than XXXX points in my credit score. This situation deeply troubles me, not only due to the immediate consequences on my credit history but also because it raises concerns about the security measures in place at American Express. How was a charge made on a credit card that had been closed for such an extended period without my knowledge or consent? The lack of transparency and communication regarding this matter is disconcerting and demands an explanation from American Express.
Company Response:
State: CO
Zip: 80528
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY OPENED ACCOUNTS USING MY PERSONAL INFORMATION, THE ACCOUNTS AND THE CHARGES DON'T BELONG TO ME. I HAVE REACHED OUT TO THE CREDITORS AND TOT HE BUREAUS BUT BECAUSE THE INFORMATION THE THIEF USED TO OPEN THE ACCOUNTS THEREFORE IT SEEMS LIKE THE ACCOUNTS BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT, THEY DON'T BELONG TO ME. OBVIOUSLY THEY HAD MY CORRECT INFORMATION THATS WHY THEY WERE ABLE TO OBTAIN THE ACCOUNTS. AGAIN I AM CONFIRMING THAT THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had booked flights from American Express travel. The flights were from XXXX, but XXXX XXXX cancelled the leg XXXX. Trip ID : XXXX I have paid for the ticket from XXXX. So I reached out to Amex and customer rep asked me to do a local booking from XXXX and Amex would reach out to XXXX XXXX and refund the amount. There was no followup or resolution to this. I reached out again for the same issue and I have received a ticket with # : XXXX Amex rep reached out again and said issue will be resolved after the trip is complete. I reached out again for the same issue after the travel is complete and I have recieved a ticket with # : XXXX I was told they would reach out to me in 2 weeks with resolution and no one did. I reached out again today for the same issue and the status of the earlier ticket, and the rep said the ticket was resolved. But I did not confirm nor did I receive any compensation. and I created a new ticket with # : XXXX The whole process is running for 4 months and no resolution is in sight. American express customer process looks like a scam and it makes consumer running around for resolution. I have Platinum membership where they advertise trip protection insurance but nothing is insured and the consumer is made to run through hoops.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Over the XX/XX/2023 statement period, I used American Express 's " Pay It '' option to pay off individual purchases. However, these payments were not applied to those purchases as American Express advertises and discloses in their " Terms ''. Instead, these payments were applied to their " Plan It '' feature ( you can " Plan '' large purchases to be paid off over months ). This resulted in a monthly statement bill 3 times the size it should've been. This is an issue American Express is aware of, but has taken no action to fix. After talking with customer service, they made me aware that this is an ongoing issue that they receive complaints from several users about on a regular basis. Customer service would not correct American Express 's mistake in their misapplying the payments ( I wanted them to apply the payments to the correct transactions ), and instead only offered to refund me those payments.
Company Response:
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/XXXX, and XX/XX/2023 my account thru American Express Serve Card was hacked. Someone stole XXXX from it. The card company reimbursed me all ATM fees but declined my disputes twice. Nor have I received any evidence from the investigation. Please help
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in 3 months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will MULTIPLE times & even proceeded to read me the rules about how to get the bonus. After receiving my card I spent the $ XXXX. I then asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. Even though the guy on the phone reassured me multiple times that I got it, it didnt matter to them. So far I have reported them twice on here and they claimed that I did not accurately provide the correct description of the phone call. The guy on the phone told me MULTIPLE times I got accepted for the bonus offer. They won't even admit it in the response back on here. They seem to have listened to the phone call but will not provide back the TRUTH. I will have to file a lawsuit in 45 days from today. I already spoke to 2 lawyers who have said I have a good case. I don't want to go that route but I have no other option.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On Friday, XX/XX/XXXX I received a {$50.00} Amex e-gift card as a reward for online surveys completed. I read the instructions and added it to my XXXX XXXX account. Since then I have tried using it in person in different stores and online on different store websites. Each time the card is declined despite my purchases not going above the {$50.00} limit. When it was declined twice on XXXX it deducted {$.00} for each " transaction. '' My husband and I also have a few {$100.00} Amex e-gift cards given to us as gifts. We have run into this same problem trying to use these Amex e-gift cards online. The Amex website states that you can use these gift cards any where Amex is accepted and yet they are always declined. After doing some research, I have found several XXXX threads discussing this exact same problem. The most recent one is from XXXX of XXXX : XXXX XXXX XXXX One of the individuals in this thread works for XXXX and they are currently working through a dispute with Amex. XXXX has given hundreds of Amex gift cards to patrons and none of them are working.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A