Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: 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 14 days 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. 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. Any negative reporting to credit bureaus should be immediately corrected and withdrawn until the requested information is provided, verified, and any disputes resolved. 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
Date Received: 2023-06-11
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/23 I tried to submit payment in order to use my American Express card. I used the chat function as Ive done in the past. I initiated the chat around XXXX. It was XXXX minutes and no agent joined the chat. So I sent feedback to the company online describing how long its taking to get an agent. I also checked that phone had the latest version installed and theres no issues with my XXXX browser which is how I accessed the chat. I was not using an app. I changed the password for the site as well then logged back in. I then tried to start another chat around XXXX. My several chats disappeared and the company sent chats making it seem like I never responded to their messages, which wasnt true. When I tried to get confirmation for payment and the timing it would post they changed the amount. I declined the whole transaction. I asked if it was an advanced persistent threat. This wasnt the first time Ive had issues with chat. I took screenshots of the issue. I sent the screenshots to the American Express XXXX account. The account states a response within a business day yet Ive never received any response to my messages. In addition, as soon as I sent feedback to the online site, the people who reside next door to me started chatting about my issue. Ive sent police and several states and XXXX agencies complaints about being monitored electronically by XXXX born individuals. The XXXX harassment and stalking I endure makes it feel like trafficking. I believe this is trafficking.
Company Response:
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
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: I applied for credit with American Express. The letter of denial stated that one of the reasons for denial was too many credit inquiries. American Express pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. AMEX on XX/XX/XXXX 2. AMEX on XX/XX/XXXX 3. AMEX on XX/XX/XXXX The only authorized AMEX inquiry was on XX/XX/XXXX. The next unauthorized inquiry was by XXXX XXXX XXXX on XXXXXX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. The next inquiry is one I simply don't even recognize and surely didn't authorize. It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called AMEX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called XXXX XXXX XXXX they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Company Response:
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Express XXXX XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann account without my written instructions. 15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received this message from this bank that I didn't even apply.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received this message from this bank that I didn't even apply.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Bought a prepaid serve card not long ago and was super excited to use the card. Everything was going fine until I changed my address out of state because I was moving there and amex XXXX algorithm decided that it was time to permanently suspend my account. Called customer service and they were extremely lost and had no idea what was going on. Made me do a bank verification to check the address and since the address didn't match what I changed it to. They told me to basically go XXXX XXXX XXXX XXXX myself and that I am permanently banned probably for life because of it. I was on the phone for hrs and hrs trying to ask what I can do to fix the situation and they couldn't care less. A customer service representative literally told me " u can't escalate this call and there is nothing u can do. '' I'm so XXXX angry and frustrated it isn't even funny.
Company Response:
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/23 I sent in a money order for {$1000.00} to American Express and they cashed the check on XX/XX/23. I have the back of the money order directly from XXXX XXXX verifying that it was cashed by Amex. They didn't credit my account. I have opened XXXX disputes over the same issue and they have never requested the back of the check or called or anything. They keep closing the dispute over and over and can not seem to resolve the issue. They keep asking for another {$1000.00} to finish paying off the account. Every time I go through customer service it takes at least XXXX minutes. I can not go on playing this same game with this large corporation over and over again and getting no where. Please help. The last referrence number was : XXXX.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX, and this a new complaint with updated information that has since been discovered after careful research and review. I have reviewed the documents presented in the last communication and have discovered that all statements provided from amex seem to be inconsistent with the postal rules prescribed by law. i have a few questions. why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe. Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? What makes amex exempt from these standard postal rules? also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? What your agency and amex is responsible for is for sending non mailable matter and is a civil and criminal offence. your response is appreciated. thank you.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Im a XXXX American Express cardholder with a > {$100000.00} annual spend. In XXXX, I was nine hours late with my monthly payment. ( It was due XX/XX/XXXX ; I paid it XX/XX/XXXX at about XXXX XXXX. ) This was the first time I had ever made a late payment to American Express or to any other creditor. I was immediately assessed a {$29.00} late fee on my bill, so I called customer service on XX/XX/XXXX, and the agent waived the fee. On XX/XX/XXXX, an additional {$230.00} finance charge appeared on my bill. I called again to ask for a waiver, but several agents told me the system wouldnt let them do it. One agent said the system allows one waiver per account, so I should have waited for the finance charge to post and requested a waiver for that, rather than calling for a waiver of the late fee. I asked if there was a human employee who could override the system and would take into consideration such factors as my tenure as a customer and my annual spend. But the agents didnt know if that person exists or who it might be. By my calculations, the {$230.00} finance charge for a one-day late payment amounts to about 877 % annual interest. I feel this is an unfairly high penalty for a payment that was less than one day late.I also feel it is unfair to require customers to know that they should request the finance charge waiver before requesting a late fee waiver.
Company Response:
State: NC
Zip: 27517
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A