Date Received: 2023-06-23
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: My identity was stolen, and Bluebird American Express mailed out a new Debit card ( which they informed me was a " sub-account '' to an address in Florida ). I NEVER gave consent nor had any knowledge of this account, nor do I know anybody by this name, I just figured that the letter to " XXXX XXXX '' was some sort of a mistake, because I rarely used my card, and had last used or even looked at my account in early XXXX to pay for free trial of XXXX XXXX. It was after the letter arrived that we started noticing money disappearing in small portions from our Bank CHECKING account, and after which the thieves changed my email, mailing address, passwords, and funneled over {$4000.00} in many small installments of around {$200.00} each to a " sub-account '' listed under a false name. They then appeared to have pulled it out a few times, bringing the balance back to {$0.00}. My husband and I are retired & live in Illinois & were unable to get online to see any info on this account, and when we tried to call the staff hung up on me repeatedly, then refused to speak with me, because I didn't know the email address that they changed it to, and that allowed them to continue to keep stealing money from my connected personal bank account. They have repeatedly hung up on me when I was told I was going to be helped, forced me to write a paper mail complaint to their main headquarters, and absolutely refuse to give me my money back or even to acknowledge that any of this even occurred. I repeatedly called them and asked to speak to a supervisor, but they refused. Each call was answered by a person that barely spoke XXXX, and there was what sounded like a chicken farm in the background. I filed a complaint with the XXXX XXXX XXXX HQ in New York, as required because AE headquarters is located there. XXXX responded stating this was founded, but even though they FINALLY got a response from AE, months later, have dropped the issue and I still haven't been compensated for the money that we direly need returned to our checking that they allowed to be stolen. Bluebird American Express immediately called me the day after XXXX sent me the response that they were given, saying that they were putting a check in the mail for the {$4000.00} that they allowed to be psyphoned from my personal bank account ( which was directly linked to the card ), via the " Sub-Account '' I just really need my money back and have already canceled the card, and Bluebird American Express refuses to answer any questions over the phone, & NEVER responded to the written paper mail letter that I sent to American Express headquarters. This has been going on for over a YEAR now, and I don't know who I can call to get help from. Please respond. I am depressed and desperate at this point as I don't seem to be getting any responses from anyone, and the check that Bluebird American Express claimed to be mailing to me never arrived. The telephone staff at their company won't tell me anything and XXXX sent me an email which only stated that they had received a response from Bluebird American Express but no other help. While I waited for American Express to refund MY money, XXXX closed the case, after acknowledging that they agreed that I'd been robbed, just because American Express just told them that they had sent me a response, not even knowing what the end result was. Please help me.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: they put XXXX points of welcome offer advertisement to fulfill the requirement of eligible spending within 4 months. I apply for the card in XXXX and waited until XXXX, I contact customer service who told me I was eligible for the offer and will receive it after XXXX weeks, I contact another customer service today and he told me that I was not eligible for the offer ( which was very different from the previous agent ). I did not apply for this credit card before and did not redeem any other offer before. I kept all the conversation history and screenshots.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for an Amex Business Platinum card and received a denial. I requested that the application be reconsidered. On XX/XX/XXXX I received a letter denying my application again. The letter references an XXXX XXXX report dated XX/XX/XXXX, over a month old. Amex Claims that the XXXX report was the most recent they have which is patently false. Not only did the Amex app itself show that they had an XXXX XXXX report dated XX/XX/XXXX, but my official credit report stated there had been a soft inquiry on my XXXX report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Amex denied having any newer report to reference. They told me to reapply for a card and it should fix the credit issue on XX/XX/XXXX ( one day after the most recent inquiry ). I did as they suggested over the phone with a representative. again my application was denied because this time because they had denied an application within the last 30 days had I not been told to reapply I would not have done so. On top of this the denial said that I had accounts not paid as agreed which is also false according not only to experian but also XXXX XXXX. XXXX states it has been 1 year and 3 months since a late payment and XXXX XXXX states it had been 1 year and 9 months on a report pulled on XX/XX/XXXX.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was given an {$300.00} American Express gift card for XXXX XXXX XXXX from my company on Wednesday, XX/XX/2023. I activated the card online and used it for a purchase at XXXX on XX/XX/2023 for {$100.00}. The card now has {$240.00} remaining. I attempted to make purchases with the card multiple times. Beginning in XXXX and throughout XXXX. Each time a purchase is attempted, the card was declined. I attempted purchases from XXXX, XXXX, XXXX ( XXXX ), and XXXX. I have spent more than 4 hours ( in total ) on the phone with AMEX gift card services. They are able to review the declines and tell me I am unable to use the card on an online purchase because none of these merchants are reputable. The only solution I am offered is to print the card and use it in store. This is not a satisfactory resolution. Some consumers are unable to leave their homes and make purchases in store. Does this suggest physically disable consumers are unable to have equal access to gift cards? This is a hinderance to consumer accessibility. AmEx has offered no solution. I am told the card is " active '' therefore, I can't be issued a replacement and the card can only be used if printed and is presented at a physical store.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023, I opened a credit card as a promotional offer for new purchases at 0 % interest in conjunction with purchasing a timeshare interest through XXXX XXXX. The American Express card being offer was co-branded with XXXX. After the intial " purchase '' balance was set ( $ XXXX on XX/XX/2023 ), there was a subsequent {$250.00} charge on XX/XX/2023 for the annual membership fee. There was billing for a minimum payment being due each month - charged in the amount of {$840.00}. It wasn't clear based on the promotional materials that any minimum monthly charge would be required, but I paid it to avoid any negative consequences. It was also surprising on the first bill that there was a {$5.00} interest charge despite the promotion indicating there was no interest to be charged. Since the amount seemed small and I was very busy at the time, I paid the interest. For the second statement in XXXX, the interest charge was {$5.00}. I then called American Express to inquire why there was interest when their promotional materials ( and the contract ) indicated zero interest for this. The representative told me they were charging interest for the annual membership fee. I asked how we could avoid this going forward and they indicated that by advancing a payment of {$250.00} this would clear all future interest charges. I questioned whether interest could be charged on fee, but since the amount was minimal, again, I paid the total of {$250.00} plus the {$570.00} monthly payment. For the third statement in XX/XX/2023 another interest charge appeared, this one being {$5.00}. I called and launched a dispute. The customer service representative couldn't help me, only informed me that I should follow up with them and mentioned that their systems were not able to separately track payment down of specific balances so there was a possibility that these interest charges would continue to appear for the life of the account until I pay it off. In XXXX I paid the {$810.00} payment and noticed a new interest charge for {$6.00}. They reversed this charge. But they also increased my total outstanding principal balance. I question the accounting on this entire credit account, am fearful they are charging illegal interest on fees and that this entire promotional offer program wasn't rolled out with the proper underlying technology to manage the accounting. It might only be {$23.00} in interest for 2023 charged on my account, but if there was a review of this program across their entire customer base, I wouldn't be surprised if these amounts were much larger in the aggregate. AMEX seemed unwilling to really address the issue.
Company Response:
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: Well due course of law and ''due process of law " expressed a Desire, in order prevent in order to prevent. Misconstruction or abuse .I am in a EMERGENCY BANKING ACT, MARCH 9, 1933, 48 STAT. 1, PUBLIC LAW 89-719 ; BEING BANKRUPT AND INSOLVENT.PLEASE LOOK OVER MY ACCOUNT AND ADDRESS ANY CHANGES NEED TO BE MADE. PLEASE APPLY THESE LAWS TO MY REPORT. Title 18 US Code Sec.241 & Sec . 242 Title 42 US Code Sec. 1983, Sec. 1985, & sec. 1986 : clearly established the right to sue any one violates my constitutional rights.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I left the military and went to cancel my credit card because they no longer waived the annual fee. American Express said that they would waive my annual fee if I spent XXXX on the card over the XXXX months. I told them that this would only delay me cancelling the card for another year and they said that in that situation I should just call back to see if they have additional promotions. Based on their word, I decided to keep the card for another year. I called back this month to cancel my card and after I cancelled they billed me for XXXX $ and are also holding XXXX $ of my money hostage while also charging me 20 % APR on the remaining balance. They are changing their terms of the agreement and are now saying that since I cancelled the card within 12 months that I didnt follow the terms of the agreement. This doesn't make any sense, I am XXXX and don't even make enough money to pay for this card, they are now charging a XXXX $ annual fee. I would've never renewed the card if they had been honest with me from the beginning. I don't understand how they can legally change the terms of the agreement, this sounds like fraud to me, and they should be held accountable. They are taking advantage of service members that are transitioning out of the service and it is unethical.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023, Saturday, I applied the American Express Gold Card online. And when submitting the application, the American Express application system show a notification to me, that I am not eligible to get the welcome offer ( XXXX XXXX XXXX {$200.00} credit after spending {$6000.00} in the first 6 months. ). The notification mentioned that I could still submit the application but the welcome offer might not be gotten approved and applied to my new account. Somehow, I submitted my application mistakenly. And I worried that I can't get the welcome. So, I called the American Express application department immediately and wished they could cancel this application in time. I asked the agent if she could help me cancel the application. And she said she could. However, she also told me that the welcome offer is in my application. And right now, the application is under review. She told me that I could get the welcome offer and asked me if I would like to continue or just cancel this application. With getting the welcome offer, obviously, I am willing to open the card. So, I just told her " fine, I changed my mind, I won't cancel this application. '' and she did the review and told me that my application was approved. However, after opening the card, when checking the welcome offer with agent, they told me that it is not in my account due to I am not eligible to get that. I submitted the claim immediately explaining what I underwent. As the result, American Express back department mentioned that they know " the agent over the phone has provided you with the wrong information ''. However, I still won't get the welcome offer. As a customer, I was deceived. This is unaccepted!
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Demand for Corrective Action, Pay for Deletion, Removal of Unauthorized Inquiries, and Release from Special Department Dear Consumer Financial Protection Bureau, I, XXXX XXXX, urgently seek your intervention to address multiple concerns regarding my credit report held by XXXX XXXX XXXX. Firstly, I demand the immediate correction of a collection that I legally do not owe. The payment for this collection was coerced, and it must be reflected as resolved with a pay for deletion arrangement. Secondly, I request the swift removal of unauthorized inquiries made by XXXX XXXX XXXX XXXX and American Express from my credit report. Moreover, I kindly request the release of my file from XXXX 's special department, as it is hindering my ability to address these issues effectively. Your prompt action in resolving these matters and ensuring that XXXX takes corrective measures is greatly appreciated. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Company Response:
State: IL
Zip: 62703
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A