Date Received: 2023-06-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my credit report and it stated that I had made a hard inquiry with Amex. I immediately called them to let them know it I never made any inquiry. I received a letter stating that they recently attempted to speak with me regarding a security concern on my account. AN ACCOUNT THAT I DO NOT HAVE. I called them again and spoke with a Fraud representative stating they will investigate and immediately close said account. It is so scary to know someone had used my information to create an account. The representative told me they can not disclose to me what the card or the account had been used for. But that I will receive a letter within 30 DAYS to summarize their investigation.
Company Response:
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Dear American Express, I recently applied for a credit card ( Ref : XXXX ) with your company and was surprised to receive a request for tax documentation. Upon further investigation, I discovered that not all applicants are being asked for this information. I believe this practice to be in violation of federal laws, and I would like to bring this matter to your attention. Under the Equal Credit Opportunity Act ( ECOA ), it is illegal for lenders to discriminate against applicants based on certain protected characteristics, such as race, gender, national origin, or religion. If American Express is requesting tax documentation from some applicants and not others, it raises concerns about potential discrimination. Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit card companies use information that is relevant and necessary to evaluate an applicant 's creditworthiness. If tax documentation is not required to assess creditworthiness, then requesting it could be seen as an unnecessary intrusion into an applicant 's personal life. I urge American Express to review its policies and ensure that they are in compliance with all applicable federal laws. I would appreciate a response from your company on this matter and any steps that you plan to take to address any potential violations. The letter states We need to confirm your total annual income but it in regards to the Request for Tax Transcripts it states if you do not wish to reveal this information, please do not use this option. Since the letter states Tax Transcripts are optional, I am sending American Express my most recent paystubs as proof of income. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Basically, I was tricked by this man who claimed to be an orphanage collaborator, he had me buy him some items that to my knowledge was for kids in an orphanage somewhere in LA according to him. He told me that if I helped him buy the kids some things he would pay off my credit card fully so I believed it and I got him his first order of two XXXX and a XXXX card, I didnt ship these items out until after he paid off my debts. He had send me his bank account number and within 24 hours The payment was processed. fast forward one week later I got an email stating that the payment didnt go through after all and that I need to contact my bank. so basically, this guy scammed me and when I messaged him asking him about, why is the email saying that, he simply blocked me. I didnt think it was a scam at first because it did process in the first place and also he didnt block me as soon as I shipped out the items like he couldve, he kept replying to me for a whole week straight and had me buy him a lot of gift cards for the kids supposedly. At this point, I havent even met him only talked on the phone and I asked him to send me some pictures of him and the orphans to verify, and he actually sent me that, so I really had no reason to not believe him, I got scam so bad I have his address he had me shipping these XXXX to some donation collector in XXXX Georgia who supposably collected and sent everything to the orphanage from there Luckily, the last package I had sent out on Friday still hasnt been delivered so I was able to get them to ship it back to me, and hopefully I will be able to get a full refund for the items. The website I used was XXXX and they need to have better verification processes to protect gullible individuals like myself especially on a dating website like that this shouldnt be happening! Now Im being left with even more jobs than I started with, I already reported the charges as fraudulent to my American Express fraud team, hopefully my issues can be resolved and I can be fully reimbursed.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have previously reported to American Express that I applied and received a credit card with them, which I did, and enjoy using. However, I only did one application, but my report is showing two credit checks. They previously stated only one was credit check was initiated, and to contact them if I had any proof showing otherwise. I mailed a response letter, a copy of my credit report, and their response letter to the address listed in that letter, via certified mail on XX/XX/XXXX. It was delivered and signed for a few days later. I have received no response, and the two inquiries are still on my credit report. This is inaccurate reporting and needs immediate attention, and correction. One inquiry is listed as American Express and was on XX/XX/XXXX through XXXX. The other inquire is listed as American Exp and was on XX/XX/XXXX through XXXX
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I believe my identity was wrong fully used for fault attempting.
Company Response:
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
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: A reservation was made for a hotel stay at XXXX XXXX in XXXX, NY on XX/XX/2023. Our American Express card was used to hold the reservation in the amount of {$1400.00}. We then cancelled the reservation the same day and received a cancellation email from XXXX XXXX. I then noticed the charge on the account days later and asked for it to be removed. American Express removed the charge, but then claimed that the vendor submitted a response so they reinstituted the charge. We called the vendor and they said it has been cancelled and we should have had the refund. I called Amex, but they would not tell me why. How do I get the refund for this?
Company Response:
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: An unauthorized inquiry was done to obtain credit fraudulently. XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Company Response:
State: ID
Zip: 83702
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: To whom it may concern, I am writing to file a formal complaint against American Express regarding the cancellation and subsequent denial of reinstatement for my credit card. The actions of American Express have not only caused inconvenience and frustration, but they also constitute a breach of our credit card agreement. On XX/XX/XXXX, I accidentally canceled my American Express credit card through an automated service that was unclear and confusing. Realizing my mistake, I immediately contacted American Express to rectify the situation. However, I was informed that my card could not be reinstated due to my own cancellation action. I explained to American Express representatives that the cancellation was unintentional and that I should not be penalized for a fault in their automated system. Despite my loyalty as a responsible cardholder with a flawless payment history since XXXX, American Express has refused to reopen my account and instead suggested that I reapply for a new card. Upon reviewing my cardmember agreement, dated [ date ], I discovered that the terms clearly state that a fee of {$25.00} is applicable if I request the re-opening of my account after it has been canceled, and American Express fulfills that request. This clause supports my position that American Express has the ability to reinstate my account upon my request, which I have made. Additionally, the automated system explicitly states that I have 90 days to reinstate my card after closing. This timeframe aligns with the aforementioned clause, further confirming that I should be eligible for reinstatement. Despite providing this evidence and referring to the terms of our agreement, American Express has failed to honor their contractual obligations. Their representatives have provided contradictory information, citing an " active credit case '' as the reason for my ineligibility for reinstatement. However, when I requested specific details about this credit case, I was met with confusion and an inability to provide any meaningful explanation. It appears that American Express is attempting to sidestep their responsibility by encouraging me to reapply for a new card rather than reopening my existing account. This approach contradicts the terms of our agreement and demonstrates a lack of commitment to their customers. I am deeply disappointed by American Express 's actions, which not only breach our credit card agreement but also disregard the principles of fair and transparent customer service. As a result, I have experienced significant inconvenience and unnecessary financial burdens. I kindly request the CFPB to investigate this matter thoroughly and ensure that American Express fulfills their contractual obligations. I also request that American Express reopens my credit card account as per the terms of our agreement, providing me with the necessary financial resources and peace of mind that I have enjoyed as a loyal cardholder. I appreciate the assistance of the CFPB in resolving this matter. Please feel free to contact me if any further information is required. I look forward to a favorable resolution that upholds the principles of fairness and accountability. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act XXXX XXXX account number ending in 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In the previous CFPB complaints : XXXX, XXXX & XXXX XXXX. American Express failed to address the question WHY I only can redeem the points to gift card not other ways. What part in Term and Condition states such limitation? the escalation and concern I want to bring through this request is that i don't agree with American Express 's policy that I can ONLY redeem the points to gift card. I should have the ability to redeem the points with other options ( for example transfer the point to partner airline ). I want to raise this issue, as there is nowhere in the Term and Condition mentioning the limitation of only being able to redeem via gift card. Hence, the American Express 's policy is unjustifiable.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A