Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
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 presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been a customer of American Express since XXXX having opening my first account ( Blue Cash Everyday Card ) with them on XX/XX/XXXX. Over the years I also opened another account, the Hilton Honors card based on a promotional offer. I don't have any credit card debt and always pay off my card every month and based on that Amex has been sending promotional offers for their luxury card, the Amex Platinum, which comes with an annual fee of {$690.00}. I put in an application for the Platinum card on XX/XX/XXXX and was approved with a welcome offer of XXXX membership reward points once I spent {$6000.00} on the card within 6 months. I opened the account primarily to book two international flight tickets for my parents traveling from XXXX to the US and just that purchase came out to be {$4600.00} and in the next 2 months I had reached the {$6000.00} limit. I reached out to Amex customer service on the month of XX/XX/XXXX enquiring about the delay in receiving my welcome offer and to my surprise I was told that in their " system '' the qualified spending amount that I have made is {$1900.00} and that I need to spent {$4000.00}!! After sending the screenshot of their system of the purchases I made, the customer representative manually calculated I've made since the account was opened and it shows that I made a total of {$6600.00} on the card. I was asked to wait 6-8 weeks for the transactions to be reflected in my account for the to receive the welcome offer. I was also informed by the customer rep that I met the spending requirement on XX/XX/XXXX and that points will be credited on or before XX/XX/XXXX, the 8 weeks mark. On checking the account on XX/XX/XXXX, I found that the points are yet to be reflected in my account. Upon contacting the customer service again, they gave me multiple explanations. The initial support was telling me about a " technical glitch '' within their system that is causing the delay and asked me to wait 5-7 business days for a resolution. Upon contacting them a week later I was informed that the qualified spending amount I have made is {$5600.00} and I still have to make {$300.00} to meet the spending limit. This inconsistency in the information itself is very frustrating and as a customer very unfair. As per my statements till date I spent {$10000.00} on the platinum card since opening with {$6300.00} just on travel alone. I have attached the screenshots/statements confirming the same but according to the company I have not yet reached the " limit ''. I have raised two complaints with Amex but with no results. The case numbers are XXXX and XXXX. At this point I want CFBP to investigate the issue and get a solution as early as possible.
Company Response:
State: CO
Zip: 80120
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
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 presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Please see closed complaint XXXX AMEX CFPB Ref No : XXXX Ref : XXXX I have attached additional documents and have provided the account number that the payment was sent to. I have also attached the XXXX transmittal showing the charged balance to my XXXX account ending XXXX, proof of payment from XXXX, and the incorrect account number. Both AMEX account numbers are noted in the documents. At this time, I am requesting for AMEX to re-review my documents, apply the payment to the correct account, and to reverse any late fees and finance changes applied to the account after XX/XX/2023, as that is when the payment should have been posted to my count.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am writing to file a complaint regarding an unresolved payment issue with my Amex Delta Skymiles Gold card ( XXXX ) On XX/XX/2023 the amount of {$650.00} ( transaction number : XXXX ) I made a payment through my XXXX bank account ( bill ) to settle the outstanding balance on my American Express card. The funds were successfully debited from my account, and I received confirmation from XXXX regarding the transaction. Despite providing American Express with the proof of payment, including the transaction receipt, they have repeatedly failed to acknowledge the payment. I have made numerous attempts to resolve this issue by contacting American Express customer service representatives, but they have not been able to assist me in recognizing the payment. They insist that no payment was received, despite my documented evidence. I have also reached out to XXXX bank multiple times to seek their assistance in resolving this matter. According to XXXX, the payment was indeed processed successfully, and they have confirmed that the funds were deducted from my account as intended. However, XXXX has stated that there is nothing further they can do to help, as the responsibility lies with American Express. As a result of this unresolved issue, I am now in debt with American Express for an amount that was already deducted from my bank account. I have neither received a refund nor have I been credited for the payment made. This situation has placed me in financial XXXX and has caused significant inconvenience and frustration. I kindly request your intervention in this matter to ensure that American Express recognizes the payment made, refunds the amount deducted from my account, and rectifies the discrepancy in my credit card balance. I would greatly appreciate your assistance in resolving this issue and preventing any further financial losses on my part. Please find attached copies of the payment receipt and any supporting documentation for your reference. Thank you for your attention to this matter, and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/23 I tried to submit payment in order to use my American Express card. I used the chat function as Ive done in the past. I initiated the chat around XXXX. It was 10 minutes and no agent joined the chat. So I sent feedback to the company online describing how long its taking to get an agent. I also checked that phone had the latest version installed and theres no issues with my XXXX browser which is how I accessed the chat. I was not using an app. I changed the password for the site as well then logged back in. I then tried to start another chat around XXXX. My several chats disappeared and the company sent chats making it seem like I never responded to their messages, which wasnt true. When I tried to get confirmation for payment and the timing it would post they changed the amount. I declined the whole transaction. I asked if it was an advanced persistent threat. This wasnt the first time Ive had issues with chat. I took screenshots of the issue. I sent the screenshots to the American Express XXXX account. The account states a response within an hour yet I never received any response to my messages. In addition, as soon as I sent feedback to the online site, the people who reside next door to me started chatting about my issue without me verbalizing what I was doing at the time. Ive sent police and several states and federal agencies complaints about being monitored electronically by individuals. The XXXX harassment and stalking I endure makes it feel like trafficking. I believe this is trafficking.
Company Response:
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XX/XX/XXXX we purchased a {$50.00} Amex prepaid gift card. It states it can be used at any merchant online and in person, who accepts American express. Except we can't use the card online anywhere. Its declined every place we try to use it. So far I have tried XXXX website, adding it to my XXXX account, and XXXX, and it is declined each time. However each merchant takes a 10 cent transaction fee off the card when I try to use it. I have spoken to customer service at Amex both yesterday on the XXXX and today on the XXXX. The first rep said he was emailing XXXX to assure them the card was valid. XXXX laughed about that and said that is absurd and would not ever be something they accept. Today, I called back and a rep named XXXX told me that I actually am NOT able to use the card online because of security protection that Amex uses to make sure my money is safe. It's so safe that no merchants won't take the money on websites. We can only use it in person. This obviously doesn't make sense so we asked for a supervisor and she said that we can not use the card at ALL at any of the merchants I have tried, even in person. She says the same thing about the card protection being so good for our safety that we just can not use it online because all the online merchants aren't able to bypass these incredible safety measures. And that even in person we can't use the card at these merchants now so we must go in person and find a different company and we can use the card there! This is not a solution, we purchased this card specifically with the intent to purchase cat food on XXXX website. We can't get a refund at the store we bought the card from, it's been XXXX hours since our cats ate, we can't order XXXX, we can't add the card as a payment method to XXXX or XXXX or any other financial institutions to bypass this " amazing security '' and none of the merchants we can't get to sell cat food or we would have just gone in person and paid cash in the first place! We wouldn't have wasted {$5.00} to buy a prepaid card if we could just go to a store by us and get cat food! We're XXXX, and XXXX XXXX XXXX and the closest store is over 3 miles away if we tried to walk and it's almost 100 degrees outside. I am highly upset, this is absolutely ridiculous and I will make sure to never use Amex again. I have NEVER had a problem like this with a prepaid XXXX or XXXX, and I would have just bought one of those but they didn't have any {$50.00} ones when I went to the store yesterday! This is ridiculous!
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. The inquiries in question are the following : XXXX XXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I applied for an American Express Hilton card that offered XXXX points + one free night at a Hilton Hotel 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 because they are no longer offering it BUT the offer was active on the website. I then explained to him I should be able to since it is an active promotion. He then realized he was wrong and figured out a way to get me accepted. He then reassured me MULTIPLE times that I will get the bonus points after spending $ XXXX in 3 months. After receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. I explained that I got reconsidered for it and the representative stated they do NOT reconsider applications. This is not true because my brother went through the same process and got accepted and got his points. Keep in mind the guy on the phone reassured me multiple times that I got it. He was even happy that I got it and called himself a " genius '' for figuring out a way to do so. ( all should be recorded through them. ) I opened an investigation with AMEX but they are taking too long and I want this to be resolved ASAP.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A