Date Received: 2023-06-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Creditor denied credit card while violating consumer rights
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sent in three dispute letters to AMEX and all three credit reporting agencies ( XXXX, XXXX, and XXXX dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however XXXX alleges they verified it and will not remove it. This account is not my account nor am I an authorized user on this account. The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? AMEX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hello, I have a AMEX Blue Cash Preferred card and I just canceled the card but the question is that there is {$96.00} balance ( reward ) in my card and the company won't give back to me. So I request the company give back to me the money.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a card from my tax preparer. My federal and state taxes loads to this card every year. this isn't a card I use regularly and I almost always keep money on this card. I have been a victim of credit card fraud. As soon as I found out I notified the company immediately. I got a police report, i also did my own investigation and went around to local retailors and i was able to look at and record over footage from one of the stores in question. the video shows an unknown male swiping my card providing no id at all. I did not authorize nor do I know who this is. The card company is giving me a hard time and just after less than a week denied my claim. The card was stolen.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express was advertising a 0 % introductory rate for 15 months for their Cash Magnet card at the time of my application ( XXXXXXXX XXXX 2022 ). This promotional offer is still active and a screenshot from their website advertising it is attached. I decided to apply for this card in part due to their promotional offer despite many other cards through other financial institutions having similar offers. I began noticing that there were interest charges being charged on the account and I reached out to American Express to get answers. I called and was told that this issue " will be looked into '' and to wait 2-3 weeks and someone from American Express will reach out to me. After about a month of not hearing anything I call again and am told again " we will look into it ''. All the while interest is accruing. I have been charged a total of {$1100.00} in interest charges since opening this account in XXXXXXXX XXXX 2022 on a " 0 % intro APR on purchases and balance transfers for 15 months '' promotional offer.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was applying for a new credit card with Amex due to the welcome bonus offer, which states that I can ear {$200.00} in statement credit after opening {$2000.00} within the first XXXX months. After activating the new card, customer service informed me that the offer was " declined, '' but I did not receive any indication during the application process.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: AmEx charged me a {$95.00} annual fee on XX/XX/2023, even though I had already requested account closure. I haven't used this card in a long time, and can't even find the card. All I have is a mailed billing statement with closing date XX/XX/2023, for account ending XXXX.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: American Express XXXX denied my claims when I got scammed out of tickets and used their card to purchase them.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I called the customer call center to cancel my business account and paid the total amount they confirmed. Today XX/XX/XXXX I checked the account, and it appears an amount of {$26.00} as an interest charge on purchases, XXXX month after, having explained to the bank agent I would not like an additional interest beyond scheduled amounts to be assessed, to prevent this situation, due to the illegality of the charge. Having already been in this situation in my personal bank account I request the authority to review this illegal charge and answer my request cancelling the {$26.00} amount. I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking. 2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice. 3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure.
Company Response:
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: I reserved a car online from XXXX for the pick up and drop location at XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX on dates of Fri, XX/XX/2023 at XXXX XXXX to Mon, XX/XX/2023 at XXXX XXXX for a total of US {$170.00}, confirmation number XXXX. When I arrived I presented my documentation with my reservation since there was a language barrier. During the time with the representative I didn't include any other additional options that were represented to me and I communicated as best as I could since I wanted to remain at the cost of my original reservation. As I thought after asking asking multiple times did he understand the representative confirmed he understood. When I returned the vehicle in the condition I picked it up in, I asked the representative checking me out was I charged the correct amount and he confirmed it also even though it was a language barrier with him too. As I trusted in XXXX representatives to provide me the correct information I proceeded to leave since I couldn't verify anything since no one was fluent in English and I couldn't wait around being that I had a flight to catch. The next day I checked my AMEX portal and seen I was charged US {$480.00} when my charge was supposed to be US {$170.00}. I disputed the charge with AMEX on XX/XX/2023 and provided the accurate document stating the amount that was provided from XXXX when I reserved the vehicle and wrote a description of what transpired at the location. On XX/XX/2023 AMEX sided with XXXX and closed the dispute stating since XXXX provided documents with my signature that was enough to side with that party which is ludicrous. All I want is fairness from both parties and being a loyal customer with AMEX for years I would expect the company to have the quality of being equitable.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A