Date Received: 2023-06-12
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 American Express Assurance Company I purchased a product from Amex on XX/XX/23 for {$350.00} and did not receive the product. I have contacted them six times on XX/XX/23 and spoke to at least eight people ( representatives ) and they can not and will not help me. I contacted them via phone and the " chat '' feature online when logged into one of my accounts. I believe there is Fraudulent Advertising in their products/services which should be investigated. Because American Express owns the subsidiary company they are closing the door on my request for either the benefit or a refund. My only recourse is to close my two accounts and cease doing business with American Express after being a cardholder for over 20 years. I do not have words to describe my disappointment and frustration with American Express. I would appreciate any assistance your organization can provide. Thank you.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 someone stole XXXX dollars out my account and the next day they took an additional XXXX thats a total of XXXX I wasn't aware until I tried to make a withdrawal of XXXX dollars It was declined I tried a lower amount of XXXX it was declined I tried a lower amount of XXXXit was declined by this time I leave the drive through atm and pull over and check my account to find out I only had XXXX dollars left to my name..I contacted the branch to inform them of what was going on they transferred me to the fraud department ... They stared there investigation and denied my claim I reopened the case and filed again and now Im denied again ... Ive been banking with them for years my income taxes and work checks have been deposited for years into this account.They tried to tell me that upon there investigation that didn't find any errors... They proclaim only XXXX can be witdawn at an atm but they allowed someone to withdraw XXXX out 18 times at one atm which should gave veen a red flag but no they allowed for another 1500 to be withdrawn a second time... I trusted this bank for years and now Im trusting you can helo me retrieve my funds...
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XX/XX/XXXX, I applied for my XXXXXXXX XXXX XXXXXXXX card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX K reward points in a few weeks. Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called XXXX a few times to check the status of my reward points. They all told me i would get it in a few weeks. I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! It was my XXXXXXXX XXXX card, I only had XXXX XXXX credit card before and i never miss payments, my credit score is great. After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in writing- in the chat. It was XXXX XXXX. Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. Out of all those credit card, I chose XXXX XXXX, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another XXXX credit card. I need my XXXX reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: Company : American Express Amount : XXXX Dates : Returned payments started around XXXX XXXX. I have statments. Description : Amex made changes and refunded already made payments for months back without my authorization. They did not notify, ask or in any way contact me and then refused to accnolidge or help when I repeteadly, since the charges occured, contacted them. They say I made charges of over XXXX} in XXXX month however that is not true as I never buy for more then I have in my account. The account payed with is my husband ( soon to be XXXX ) whom, without my knowledge cancled the card. I am the one who owns the card. He is the XXXX who authorized connection with his bank. He then managed to cancel my card AND got amex to refund the payments for months back to his account without me.
Company Response:
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail. Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated. Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!? Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another. Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense. I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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 Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Today, on XX/XX/XXXX, I had the unfortunate experience of encountering an American Express credit application processing agent named XXXX, whose behavior was not only judgmental, rude, and discriminatory but also caused an extremely unpleasant and infuriating interaction. As I embarked on the credit card application process, I expected a respectful and professional experience. However, XXXX shattered those expectations with his dismissive attitude and offensive remarks. He not only questioned my income in an intrusive and inappropriate manner but also exhibited a complete lack of empathy and understanding. XXXX XXXX condescending tone, skepticism, and unwarranted pushback regarding my income left me profoundly dissatisfied and infuriated with the entire interaction. It is utterly unacceptable for a representative of a reputable institution like American Express to treat customers in such a disdainful and discriminatory manner. Financial institutions have a responsibility to ensure that their employees are well-trained and equipped to provide exceptional customer service, maintaining an inclusive and respectful environment for all. This distressing experience with XXXX had a profound impact on my emotional well-being and overall outlook. The judgmental and dismissive attitude he displayed, particularly when questioning my income, left me feeling belittled, frustrated, and deeply hurt. The encounter not only eroded my trust in American Express as a reputable institution but also left me questioning my own worth and validity as a customer. The blatant discrimination I encountered during what should have been a straightforward credit card application process shook my confidence and left me with a lingering sense of injustice. This encounter serves as a stark reminder of the need for empathy, understanding, and respect in every customer interaction, and the negative effects of such mistreatment should never be underestimated. This experience has left me profoundly disappointed and frustrated with American Express. I implore the company to reflect on its values, reevaluate its employee training programs, and rebuild trust with its customers.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
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: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I submitted a balance transfer to American Express on XX/XX/2023. They accepted the transfer on XX/XX/2023 and did not apply the credit to my account. I have opened up XXXX disputes with no resolution. They didn't resolve it and closed the disputes instantly. I supplied them with the bank statement that shows the amount removed from my account and they have still not applied credit.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir/Madam, I am writing to address a matter of utmost concern regarding an account held with your financial institution. After a thorough review of the information provided and my personal records, I have discovered that this account is fraudulent as I did not authorize or provide consent for its creation. Furthermore, despite my previous requests, you have failed to provide the required documentation to prove the legitimacy of this account. I urgently request your immediate attention to rectify this fraudulent situation. I would like to emphasize the following key points : 1. Lack of Consent and Authorization : As the account holder, it is essential that I am aware of and provide consent for any accounts opened in my name. However, to my knowledge and records, I have neither authorized nor given consent for the establishment of the account in question. This raises serious concerns regarding the legitimacy and authenticity of the account. 2. Failure to Provide Documentation : As a customer, I have previously requested documentation to substantiate the existence and validity of this account. These documents include but are not limited the following that has yet to be provided to me : 1. Comprehensive Accounting Records : Under the law, a financial institution is obligated to maintain comprehensive and accurate accounting records for each customer 's account. These records should include a complete transaction history, account statements, and any other relevant documentation that supports the calculation of the alleged debt. 2. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt. These forms should include, but are not limited to, 1099-C or other tax-related documents that report the cancellation or forgiveness of debt. 3. Timely Response : It is essential that your institution responds to this request within a reasonable timeframe, typically within [ state the specific time period required by law or regulation ]. Failure to comply with this requirement may be deemed a violation of applicable laws and regulations. Therefore, I request the following actions from your institution : 1. Removal of Negative Item : I kindly request that you immediately remove the negative item associated with this alleged debt from my account and cease any further reporting to credit bureaus until the debt is properly validated and resolved. 2. Provision of Accounting Records : Please provide me with all accounting records related to my account, including a complete transaction history, account statements, and any supporting documentation that verifies the accuracy and validity of the alleged debt. 3. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt, such as 1099-C or other applicable tax documents. 4. Compliance with Laws : I expect your institution to comply with all applicable laws and regulations, including the [ cite relevant laws or regulations ], in handling this matter. Failure to do so may result in legal consequences and the pursuit of remedies available under the law. Please note that any future communication regarding this matter should be in writing and sent to the address provided above. Additionally, any negative reporting to credit bureaus should be immediately corrected and withdrawn until the requested information is provided, verified, and any disputes resolved. I trust that your institution will handle this matter with the utmost diligence, adhering to the laws and regulations governing debt collection practices. I anticipate your prompt attention to this request and the resolution of this issue. Thank you for your cooperation. Account Number : XXXX
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A