Date Received: 2023-06-17
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I had American express card num. XXXX they close the account. Because I do not paid a balances. I ask information about the debt, They explain the type of debt. is about {$65.00} I response they do not send any bill to my address and if I do not receive the bill is impossible to paid. Then we agree, American express will send me the bill and I will send the paid. But the close the account and sent incorrect information a to credit scores company, meaning that show that I do not paid the bill.
Company Response:
State: PR
Zip: 00976
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a new credit card with American Express. American Express did not email me when the payment was due on XX/XX/XXXX but I noticed myself on XX/XX/XXXX and immediately paid off the entire statement balance. I also enrolled in autopay. Several days later I was charged an entire month 's interest on not only the statement amount due, but the amount due for the following month. When chatting with an American Express representative, I was told I would be charged an entire month 's interest for both months despite only being XXXX day late on the payment.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an American Express Credit Card and an American Express XXXX Acct. I updated my American Express Credit card to pay out of my XXXX account but for whatever reason it still was stuck on the Amex savings as the payment source. my payment was due by XX/XX/XXXX. Having realized that the wrong account was being debited for the payment i contacted american express XXXX bank customer service, and they said the payment had not been attempted on the account. If I wired funds that day the funds should arrive same day. I setup a wire from chase and got confirmation it was sent before wirecutoff so it would have been received same day XX/XX/XXXX. on XX/XX/XXXX the funds have not been received XX/XX/XXXX i called Amex and they said they haven't seen the wire hit yet, or the payment debit but the wire should bein the account by end of day XX/XX/XXXX the funds have not hit the account yet and the payment on the credit card bounced. i was assessed a {$39.00} payment return fee- which was waived. but i will be charged interest on the payment which will likely be around {$900.00}. i contacted amex savings and they said the wire was in review. and it should be in the account byt end of day. it is past end of day and yet the funds have not arrived in my account yet. this is an account that I own that i've also made transfers to this amex savings before in the past.
Company Response:
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I used my American Express card to purchase an oven from XXXX XXXX. I transferred the balance to my XXXX XXXX for a {$30.00} fee and zero percent financing. XXXX card paid American Express. I now have a {$1000.00} balance on my XXXX card. I had to return the oven since it didn't fit. XXXX XXXX issued a refund to American Express. Now I owe XXXX card {$1000.00}. I contacted American Express on XX/XX/23, XX/XX/23, XX/XX/23 via phone and text. They requested that I make an additional payment if {$40.00} although I had no balance, they actually owed me- I made the payment. I have screenshot all my correspondence. I was told a refund check would be issued although I have a savings account with American Express. They told me three times that they would mail the check. I contacted them today and the check was not yet issued. I asked to escalate and requested a wire transfer directly into my bank account. They told me this could incur additional fees. Overall, it appears that American Express is " double dipping ''. They received funds from XXXX XXXX as well as XXXX XXXX and now are making me fight for my money. All I wanted to do was surprise my wife with a new stove. Now I am out {$1000.00}, no stove, no check. Please help.
Company Response:
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: American Express is inaccurately reporting and effecting my score negatively because of this and my ability to gain access to credit to provide needs for myself and my family due to this matter. I would like the company to provide copies of : All billing statements from account opening date, a list of people you have sent my personal information to. The Gramm-Leach Bailey disclosures A copy of the 1099-C cancellation of debt if applicable Date of first delinquency I would like this information within 14 days in order to complete compliance Please send all correspondence regarding this matter to my address
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Spoken with All Creditors and Bureaus in question to remove Accounts that were fraudulently opened on my credit report. Sent multiple FTC reports to XXXX, XXXX, and XXXX in regards to Identity theft. These accounts were never Removed. Ive called every day to follow up with each company for the last two weeks after initially starting the disputes in XXXX. I received Not much changes. XXXX has removed some accounts ( XXXX XXXX ) for fraud while XXXX and XXXX still report inaccurate information that came from fraud. I have sent mail as well as uploaded my documents to XXXX. They claim theyve never received the documents I mailed. I asked if they could have a person manually review my Documents because they do highlight fraud on my account and the response from XXXX representatives was that this was not possible. I then asked if my contactual agreement between XXXX and myself allowed me to request manual review of my documents, the rep responded yes but could not complete my request as their companies policy allows for A.I. machine to review and place a determination on my report. I said to the Manger who I spoke with from XXXX earlier today that I didnt ask for a robot or machine to review my documents. She then told me it was nothing that could be done. She left me one option which was to set aside time again and reprint the documents to have them taken to the post office for Mail when I fully explained that I have done this in the past and have receipts to prove this. I was instructed on the phone by a representative to upload my documents to the online portal where they would be reviewed. The agent never specified that it would not be reviewed by a person in which it was clear in the conversation that a personal review is what I was looking for. I also explained I am going up for a mortgage have kids and am being affected daily by my consumer report with is filled with Fraud that I need a manual review so my decision can be delivered in a reasonable amount of time that doesnt allow for me to miss the opportunity to mortgage my home.
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The prior complaint should not have been closed and is unresolved. The company reactivated this card but it is not redeemable and these Amex gidtcards are useless. I need a ful refund in cash payment not this card that I can't use anywhere. I've since tried to use it today and yesterday on XXXX. on XXXX. On XXXX On XXXX on XXXX. XXXX XXXX. Other retailers. The card isn't redeemable anywhere and this company should be sued and held liable there response and solution was not accepted by me and the prior complaint was closed prematurely
Company Response:
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received an American Express Mariott Bonvoy card without me requesting it never, nor I used ever in my life this hotel ( Mariott Bonvoy ) also I got notification by email that my request to open a card was approved ( XX/XX/XXXX ) and then when my card was delivered ( XX/XX/XXXX ) also an email notification. The card was sent by XXXX. I am attaching the photos.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: CFPB XXXX No : XXXX & XXXX Ref : XXXX & XXXX After receiving your most recent response my account has been credited for one of the fraudulent transactions. I called on XX/XX/XXXX and was told by XXXX that one credit was issued and the other one is being looked into for the other fraudulent transaction. I was told on XX/XX/XXXX that XXXX would call me within one week as the supervisor who is dealing with this. As of today, XX/XX/XXXX, I have received no calls, voicemails nor messages from Amex. To reiterate the points of my frustration : - while in possession of my card and ID, an establishment ran 2 charges of {$7700.00} each without my permission and using a fraudulent signature. I have provided my ID to show this is not my signature- this back and forth with Amex has now been going on for over one year- I have been told multiple times on a recorded line that both cases have been closed in my favor and even not to worry about the charges showing again on my account as it was an error - Amex have not responded to letters written by me nor my lawyer- This has been passed around to maybe 6 supervisors, 1 of whom has actually called me back - On XX/XX/XXXX, your representative refused to give me the contact details or information for service of process. This is illegal - Once again I have been waiting for over a month for a callback. The customer service is laughable. How is it ok for a company to promise a callback from a supervisor and only follow through on a XXXX in XXXX basis. At the moment I can get no information, no callback and any information I get is conflicting. - Amex requested a police report but only requested this 10 months after the issue at which point this was no longer feasible - For a year I have had fraudulent charges sitting on my account affecting my credit and my mental health - If this is not resolved immediately in my favor, my lawyer will commence legal proceedings.
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2023 at XXXX I received a text message from the ( American Express Serve XXXX XXXX card company 's automated system stating a XXXX decline fee had been charged to my card. A minute later I received another text message from the card company again stating a XXXX decline fee had been charged to my card. At that time I opened the card app on my phone and noticed multiple withdraws from an unknown ATM location had a cured. My direct deposit from my employer was deposited that morning to the card.There was three withdraws for {$200.00} totaling {$600.00} and one with draw for {$100.00}. {$700.00} was the daily limit so the attempted withdraws after {$700.00} was the reason I got notice from my card for the decline fee of XXXX cents. Right away I called the card company customer service and informed them of the unauthorized ATM withdrawals. I was transfered to the fraud protection department. I gave them all info on how I found out and was told they would investigate my case after I sent a declaration of dispute form and let me know by email in 10 business days or it may take up to 45 days. I received an email from them with the form to fill out. I filled out the form and uploaded to the cards website on XX/XX/2023. On XX/XX/XXXX I called the card company to check the status of my complaint and was told I would receive an email by the next day with the fraud department findings. I received an email from the card company fraud department on the morning of XX/XX/XXXX saying my fraud claim had been declined and that the ATM withdraws were authorized by myself. No other statement of facts as to the reason for them declining my claim. The email stated I would have to submit a written letter to them asking for the investigation results.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A