Date Received: 2023-06-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Statement of Facts I, the consumer and natural person, was denied credit by AMERICAN EXPRESS , INC. when I applied for XXXX Credit Card. Adverse action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C. 1691c and is under civil liability under 15 U.S.C. 1692k. criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS , Inc. due to the response I received. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS , INC If AMERICAN EXPRESS , INC. fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card. I indeed will make AMERICAN EXPRESS , INC. criminally and civilly liable for all damages under 15 USC 1681n and 15 USC 1681o.
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: NOTE FOR CFPB : Please reopen this complaint since the company refused to answer last time because my wife was not the account holder ( see XXXX ). COMPLAINT : I am writing to complain because I was wrongfully charged for a hotel reservation made through Amex XXXX that I canceled within the cancellation period but was not processed appropriately and in a timely manner by AMEX XXXXXXXX XXXX XXXX AmEx ). On XX/XX/22 I booked a reservation at the cost of XXXX} via XXXX that could be canceled for a full refund before XX/XX/22 XXXXXXXX XXXX On this day, I called AmEx XXXX XXXXXXXX XXXX to confirm if my booking was eligible for a promotion called " XXXX Hotel Credit '' and explicitly told the agent that if this was not the case, I wanted to cancel. This was a simple, straightforward issue yet the first agent we spoke to ( a woman ) was so unhelpful and mean-spirited that she unnecessarily caused delays in answering this simple question for over XXXX minutes, and ultimately maliciously transferred my call away from the XXXX group, which in turn led to more delays and the next agent had to transfer my call back to the XXXX group ( which I correctly called initially ). This series of mistakes made by the agents, especially the first XXXX, pushed the reservation past the cancellation deadline by mere minutes, through no fault of my own. There are at least XXXX independent reasons why a response of anything less than a full refund by AmEx is inappropriate : ( 1 ) AmEx was a gatekeeper and booking agent, who had sole power to answer whether the statement credit applied. I called AmEx before the cancellation deadline with sufficient time to clarify my question and cancel, which AmEx squandered. Therefore, AmEx undeniably bears the responsibility here. ( 2 ) AmExs delay was due to AmEx customer support ineffectiveness. There were clear problems with the staff ( a ) understanding my issue, ( b ) demonstrating empathy and the sense of customer service excellence I expect from Amex, ( c ) understanding the special urgency here, and ( d ) responding to the issue in a timely manner. Worse, there was no supervisor available when asked, meaning that AmEx failed to have any contingency in place to address those predictable problems with XXXX XXXX ( apparently ) XXXX support. ( 3 ) The third and final customer support representative clearly, on the recorded line, responded in a way that reassured me that AmEx would compensate or reverse any charges because I called prior to the reservation cutoff. Despite multiple attempts to resolve this directly with XXXX XXXX at AmEx Service Excellence, she shirked responsibility for this issue and refused to provide a full refund. To add insult to injury, she originally offered a XXXX statement credit, but I only received XXXX Finally, I repeatedly requested a call from the XXXX XXXX team to discuss canceling my XXXX card and that request also went unanswered.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I called Hilton to make a hotel reservation. During the call, a representative came on to ask if I wanted to sign up for a Hilton AMEX card. I explained that I really didn't need another AMEX card but they proceeded to explain that I would get XXXX Hilton rewards points if I was approved for the card and spent {$1000.00} in the first 3 months. I thought that was a pretty good offer so I accepted. I was approved for the card and I spent more than the designated amount well within the allotted time frame. I never received the bonus rewards. Since then I have made numerous calls to AMEX, spoke to numerous different representatives and supervisors and I am given a canned response of " I didn't qualify for the bonus '' but they can not and will not give me the reason why. They blame the third party at Hilton and Hilton blames AMEX. I explained that they are fraudulently luring customers under false pretenses and then not taking any responsibility. I asked them to listen to the recorded call and they refused. I feel I am entitled to this bonus as my credit was affected with the new card and will be again affected if I have to cancel.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never used my credit to apply for any car loans or credit cards. I never gave any of these companies to run my credit report for loans ; car loans ; and all other hard inquiries. U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERA to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE + to report anything on my consumer report which violates my rights as a federal proted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : AMERICAN EXPRESS XXXX {$9600.00} XX/XX/2021 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: i have a serve pre-paid card through american express which i got from XXXX XXXX when i filed my taxes and my refund was loaded onto the card. today i received an email saying my account has been suspended/locked due to fraudulent activity. the reason why is because XXXX XXXX XXXX store wants to give me back a refund of {$1700.00} and the serve team stopped the refund and i can not access my account i can not use the card at all. i have XXXX XXXX and have no money i have over {$500.00} on the card currently and can't get access to my money. i called the company they said they will mail me a check for the balance i had on my card to my address i no longer live at and they also said they can not update my new address because my account is locked and no longer active. i also have i {$1700.00} refund along with a few other deposits coming to that account number which i will never get because the card no longer works. i have XXXX XXXX and i need my {$2000.00} dollars that is mine and i worked for i do not have a single XXXX to feed my children and no credit to get a loan i need help ASAP. please call XXXX or my cell XXXX.
Company Response:
State: PA
Zip: 15236
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I notified American Express ( Amex ) that my online account was compromised ( hacked ), of a billing error, and other fraud. Specifically, a hacker launched a series of unauthorized electronic debits from my consumer checking account with XXXX XXXX. There were also a series of unauthorized transactions resulting from these unauthorized electronic debits ( ACH ). The Amex representative, XXXX, did not help me process any claims but instead advised me to reach out to a designated team. On XX/XX/XXXX, I mailed Amex a billing error notice and put them on notice of violations of the Electronic Fund Transfer Act ( EFTA ) / Regulation E. Specifically, that [ a ] [ h ] acker launched a series of payments by way of ACH in the amounts of {$390.00} ( XXXX times ), and {$200.00} from my XXXX XXXX Account ending in XXXX. I also notified them that three payments were attempted but canceled in the amounts of {$320.00} and {$300.00} ( XXXX times ). I never authorized any of these attempted [ electronic debits ]!! I have not received any response to date concerning my notice nor of any pending investigation. Instead on XX/XX/XXXX, I received an email from Amex that both my XXXX XXXX and XXXX XXXX XXXX were canceled. ( Herewith attached ) Neither email contained an explanation for the account closure. Infuriated by the XX/XX/XXXX email, I called Amex on XX/XX/XXXX. I told the representative of my billing error notice, the fraudulent transfers, and fraud charges. Unsympathetic to the situation, the agent advised me that in order to properly process any potential claims and possibly reinstate one of my accounts, I would need to make a payment of {$370.00} on the phone immediately. He also advised me that no fraud claims or notices were listed in the notes of the account! Amex did not investigate my claims whatsoever. I appreciate my eight-year relationship with Amex and this is concerning that they have completely disregarded my federally protected consumer rights and have not in any way investigated this hack, fraudulent electronic funds transfers ( debits ), nor fraud claims. They could have a potential leak in their system leaving millions of consumers vulnerable to account compromise. Violations ( 1 ) Electronic Funds Transfer and Regulation E The Electronic Fund Transfer Act ( EFTA ) and Regulation E apply to an electronic fund transfer that authorizes a financial institution to debit or credit a consumer 's account. 12 CFR 1005.3 ( a ). Here, a hacker launched a series of electronic fund transfers that permitted unauthorized debits of my consumer checking account. Failing to investigate and stop these unauthorized transfers is accordingly a violation of EFTA and Regulation E. ( 2 ) Truth in Lending ( Regulation Z ) / Fair Credit Billing Act ( FCBA ) I delivered to Amex a proper billing error notice consistent with the mandates of 15 USC 1666 ( a ) - ( b ) which was delivered to Amex within sixty ( 60 ) days after the transmission of the statement reflecting the alleged error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ). 15 USC 1666 ( b ) ( 7 ) requires Amex to investigate the billing error and give me a written determination of its findings prior to closing or restricting my accounts. Which Amex failed to do here. Damages On top of this inequitable deprivation of credit, I now am stuck paying overdraft fees and have suffered other damages such as extreme emotional distress. Please help me get my accounts reinstated and to have a proper investigation launched by Amex. This is patently unfair, inequitable, and an egregious violation of my federal consumer rights and securities fraud. Please do not hesitate to contact my attorney for more detail concerning these claims. My attorney, XXXX XXXX, XXXX. can be reached directly at ( XXXX ) XXXX.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express REFUSES TO COMPLY WITH A SIGNED COURT ORDER BY A CHANCERY COURT JUDGE. I was the victim of Identity theft. As such there were credit cards, loans, accounts etc in my name that I was neither aware of nor authorized. When I notified AMEX originally they said " they could not verify I am me ''. So I FILED A COURT CASE AND WON. THE JUDGE SPECIFICALLY PUT INTO THE COURT ORDER THAT American Express IS TO REMOVE AND WIPE THE FRAUDLENT ACCONTS FROM THIER RECORDS and permit me to Re apply with valid, correct information. THIS IS NOT MY REQUEST, ITS THE JUDGES ORDER. I completed amex fraud declaration IN ADDTION TO THE JUDGES ORDER. STILL NO COMPLIANCE I sent the original along with the judges courtroom contact to AMEX LEGAL TEAM. ** NO REPLY I sent the original court order to the AMEX customer service- who replied stating that " THEY WILL NOT GIVE THE COURT ORDER TO THEIR LEGAL TEAM '' THAT THEY ARE " NOT COMPLYING WITH THE COURT ORDER '' Further Amex claimed in a XXXX line sentence letter that " they unilaterally determined that I received benefit from the account ''. This is both untrue AND NOT AN ISSUE AT HAND. AMEX DOES NOT UNDERSTAND THIS IS NOT A REQUEST. THE judge has already reviewed the evidence and made her DECISIVE AND DISTINCT DECISION. THIS IS ONLY A LEGAL ISSUE AND AMEX MUST REMOVE MY FRADULENT INFORMATION AND PERMIT ME TO REAPPLY WITH MY XXXX XXXX XXXX now. I have sent amex further letters and THEY HAVE NOT REPLIED. I have all copies, delivery confirmations and court orders available, SO DOES AMEX. Please FORCE THEM TO COMPLY WITH THIS COURT ORDER by deleting anything in their system with my social security or name and letting me know when this is complete so I can apply with correct, fresh information. I NEED THIS NIGHTMERE OF MY IDENITY TO BE RESOLVED AND AMEX IS LEGALLY REQUIRED TO COMPLY WITH A COURT ORDER. Thy have NOT presented any contrary evidence and they simply must be forced to comply or TAKE AWAY THIER BANKING LICENSE PLEASE. I DID NOT BENEFIT FROM ANY CARD, THE JUDGE ALREADY AGREED WITH THIS ( see order ). Amex is under the mistaken view that this is a fraud investigation. ITS NOT, THIS IS ONLY TO MAKE THEM COMPLY WITH THE COURT ORDER, THE JUDGE ALREADY COMPLETED THE INVESTIGATION. Thank you
Company Response:
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Dear Sir/Madam, I am writing to formally dispute the debt collection actions taken by your agency regarding the debt allegedly owed by me. I have discovered numerous violations of consumer credit and banking laws, which have resulted in significant harm to my financial standing, mental well-being, and business operations. I kindly request that you address these violations, rectify the damages caused, and provide appropriate compensation for the distress caused. 1. Illegal Sale of Debt : 2. It has come to my attention that you unlawfully sold my debt without providing me with the required 1099-C form, both to me and the IRS. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Service ( IRS ) regulations, which explicitly require the provision of such forms in cases of debt discharge. I demand an immediate explanation for this violation and a remedy for the harm caused by your illegal actions. 3. Harassment and Scare Tactics : 4. Your attempts to intimidate and scare me into making payment through aggressive tactics, including threatening to sue me, are a direct violation of the FDCPA. Such conduct is strictly prohibited under federal law, as it causes unnecessary stress and distress. I insist that you cease all harassment and scare tactics immediately. 5. Credit Reporting Inaccuracies : 6. Your agency 's repeated and incorrect reporting of my account status has resulted in substantial harm to my credit score. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. As a consequence, I have been unjustly denied approvals for essential business-related matters, severely impacting my ability to operate my business. I demand the immediate correction of all inaccurate credit reporting and the restoration of my credit score to its rightful state. I am well aware of my rights as a consumer, and I insist that you comply with the following national laws and codes regarding consumer credit an d banking violations in the United States : 1. Fair Debt Collection Practices Act ( FDCPA ) 2. Internal Revenue Service ( IRS ) regulations on debt discharge and reporting 3. Fair Credit Reporting Act ( FCRA ) 4. National Banking Laws and Regulations Furthermore, I specifically draw your attention to consumer credit and banking laws applicable in the state of New Jersey ( NJ ) that protect consumers from unfair debt collection practices : 1. New Jersey Fair Debt Collection Practices Act ( NJFDCPA ) 2. New Jersey Consumer Fraud Act ( NJCFA ) I request that you conduct a thorough investigation into the violations outlined above and respond to this dispute within 30 days from the date of this letter. Failure to address and rectify these violations, as well as provide appropriate compensation for the harm caused, may result in legal action being pursued against your agency. Please direct all correspondence regarding this matter to the address listed above. I expect prompt attention to this dispute, as well as a resolution that fully remedies the damages caused by your agency 's unlawful actions. Thank you for your immediate attention to this matter.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN EXPRESS used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN EXPRESS reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A