Date Received: 2023-05-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have used my credit card when I was in a line with XXXX XXXX XXXX but later moved to another line with XXXX XXXX XXXX but my card was not removed from the Old line. Even I have asked the persons in the old line to remove my card. Even after lot of calls and messages with the persons in the old line they have not removed my card. So, I have changed my card to stop the recurring payments from XXXX XXXX XXXX. I have also called my credit card customer service which is AMEX and asked them to block my card for further transactions for XXXX XXXX XXXX and they blocked the card for those Transactions on XX/XX/2023. I have even asked the AMEX to resolve this problem. I have not used that transaction and raised dispute with AMEX with that transaction which happened on XX/XX/2023. After blocking the card the customer service agent said that further transactions will not be happened because it is blocked. Later in the month of may also I have reconfirmed about the recurring payment block by contacting AMEX and they said as it is blocked no further transaction will be happened with XXXX XXXX XXXX. Even I have tried to contact XXXX XXXX XXXX about the transactions on my card which I have not used from my side. They are not giving a perfect resolution for my problem. Again on XX/XX/2023 there was again a transaction happened on my card which I have not even used. I have again tried contacting both XXXX XXXX XXXX and AMEX but they not giving any resolution for the problem. If I call XXXX XXXX XXXX about the problem they are asking to contact the credit card company to do something about my issue. And If I call AMEX they are saying to contact XXXX XXXX XXXX about the issue. The transaction is {$180.00} and some cents on the month of XXXX XXXX and {$180.00} and some cents on the month of XXXX XXXX.
Company Response:
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I XXXX, a living woman was contacted by Delta Platinum American Express. They closed the credit card account before notifying me. After closing the account I continue to receive harassing calls 4 to 5 times per day for over a month starting in XXXX. I asked that telephone communications stop because it was at all times of day, while I am at work or other inconvenient times. I requested that communication to be kept in the mail. The agent agreed, stating that it will be added to the files. Two days later the calling continue back to back during my work days, driving home, at the doctors office. It was driving me insane. I was scared to answer the phone. Last week my mother received a telephone call stating that American Express is trying to reach me. I spoke to the agent and again requested that communication kept in the mail. I did not give Delta American Express to contact a third party because that is violation of my privacy. On Sunday XX/XX/XXXX my mother received another call from American Express. She hands me the phone, it American Express again, after demanding that communication should be kept in the mail. I spoke to the agent. I asked that they stop harassing me. I requested communication through the mail again. This is now the third time. I did not give permission to call and harass someone else. I stated that I will make the payment in full after receiving a verification of the credit agreement. The agent proceeded to ask me why I wanted a verification if I made previous payments. He threatened that my information will be sent to the credit agencies and that my it will be bad for my credit because a collection agency will start calling me next. I did not give permission for my personal information to be shared with any third party but theyve already done so when contacting a member of my family. This is harassment. Ive been harassed since XXXX. Today, again I received another telephone call from the company after requesting to not receive telephone communication. This company has violated my human rights in many ways. It must stop.
Company Response:
State: NY
Zip: 10598
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Extremely poor fraud response from Amex. Was alerted to a potential fraudulent purchase by text on XX/XX/23, Did not recognize the charges, Immediately called Amex. Employee confirmed the fraudulent charges, and said a new replacement card would be sent out and delivered by XX/XX/23. 2 days later, I notice all the fraudulent transactions posted on my account .... Try to chat with AMEX representatives online. Received extremely disgusting and completely incompetent representatives who were of absolutely no help. Truly appalled at the level of service that chat representatives provide. Called AMEX after attempting to deal with chat representatives to no avail. Spoke to representative and repeated the same facts. Representative asked if a replacement card was already sent. I confirmed that the rep on XX/XX/23 claimed it was. After the representative said that the representative in fact did not send out a replacement card! Nor did they appear to do anything about the fraudulent transactions! Instead I got an email that I would get a replacement card only on XX/XX/23, in nine days estimated! I was under the impression that an expedited replacement card would already be here tomorrow! Would like the phone call and agent to be reviewed the call on XX/XX/23 to phone number XXXX ( AMEX ) from my phone number XXXX. The duration of which lasted for XXXX. The fraudulent transactions were not dealt with. The replacement card which was " sent '' was not sent. The new replacement card was supposed to arrive tomorrow, just like the AMEX website policy claims, " next day, or few days '', instead it is expected 9 days from now! " All call are monitored or recorded for quality assurance and training purposes ''
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am submitting a formal complaint against American Express for illegally sharing my transaction history with XXXX on XX/XX/XXXX. Subsequently, XXXX shared the same information with XXXX. These actions represent a blatant violation of 15 USC 1681a ( 2 ) ( 1 ), which is a provision of the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. This unauthorized sharing of my sensitive financial information not only violates the FCRA but also compromises my privacy and security. Furthermore, XXXX, as a consumer reporting agency, is also accountable for their role in this violation. By receiving and sharing my transaction history without proper authorization, they have breached their obligations under the FCRA and have infringed upon my privacy rights as guaranteed by the Privacy Act of 1974. To support my complaint, I have attached a copy of the letter I sent to American Express detailing the violations and demanding rectification. Additionally, I have included proof of my information being shared with XXXX, a third-party website, without my consent or knowledge.
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing to file a formal complaint against American Express for the unauthorized charges and mishandling of my account. This ordeal has caused me and my family significant emotional distress, and we have been trying to resolve this issue with American Express since XX/XX/XXXX, with over 15 phone calls to them, and countless hours over the phone. The issue began when my son and I were randomly credited back expenses on his account which we immediately informed American Express was incorrect as they were legitimate charges that he made. After that, my account got hacked, and a random person was added as an authorized user ( XXXX XXXX ) and I received a card with her name on it in the mail. We called immediately to get this closed and report the fraud. It's clearly a case of identity theft and fraud, and it has caused us so much stress and anxiety. Despite my repeated attempts to resolve this issue with American Express, I have not received a satisfactory response. American Express investigated the unauthorized charges, and after looking through all the statements, they concluded that there were no valid charges made by me or my son. They assured me that they would credit me back the stolen funds, which is {$5900.00} plus the interest and payments I made, within 5-7 days. However, this never happened. If you look at my statement that is attached, you will see that we received a fraud credit for the amount of {$5900.00}, then a reversal of that exact amount of {$5900.00} twice. Once on XX/XX/XXXX and again on XX/XX/XXXX, leaving me with a balance owed of {$5900.00}. You will also see that they credited back all of my son XXXX XXXX payments at {$46.00} which were his legitimate charges and why we called American Express to inform them of their mistake, because we are honest people. In fact, American Express has closed the investigation multiple times, and on several occasions, they said that I was responsible for the charges without calling to notify me or sending me anything in the mail. Despite my objections, they concluded that the charges were legitimate and closed the investigation again, leaving me to suffer the consequences of this theft. We had a similar issue with XXXX XXXX at the time however, they were able to validate the fraud and quickly return all the stolen funds, with little to no trouble at all. This situation has caused me and my family a great deal of stress and has taken a toll on our mental and emotional well-being. My son had to close his account because we were afraid that his information was compromised. I have spent countless hours on the phone with American Express 's customer service and fraud department, which has taken me away from my family and caused me mental and emotional strain. I have always been a responsible and honest customer, never having any late payments or interest charges. The unauthorized charges on my account have caused me significant financial strain and emotional distress. I have been making the minimum payment on a month-to-month basis to prevent this issue from impacting my credit score. Despite this, American Express has not been cooperative in resolving this issue, and it has caused me and my family a great deal of frustration. I urge you to investigate this matter and take appropriate action against American Express for their mishandling of my account and failure to resolve this issue in a satisfactory manner. It is my sincere hope that you can help me resolve this issue and provide me with some much-needed relief from this ongoing ordeal. I have recently reported this to the Minnesota Attorney General as well. It is my intention to also file a lawsuit against American Express as a result of this. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Account Ending : XXXX
Company Response:
State: MN
Zip: 55122
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
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: Dear Sir/Madam, I am writing to dispute a charge on my AMEX account XXXX Despite the fact that I have forwarded all the communications to dispute department it seems that AMEX dispute dept are just ignoring it. Below I will try to explain briefly. The transaction in question is listed on my account as XXXX XXXX XXXX XXXX of companies ( when googled you can see it as a scam company ) Contract which was signed by me XXXX XXXX, on XX/XX/2023 contains incorrect names that do not match the names of the parties involved in the agreement. Specifically my name XXXX XXXX is listed as XXXX XXXX. Since the names listed on contract are incorrect it is NOT LEGALLY BINDING, therefore I am requesting AMEX that the contract to be voided and charges reversed. I am requesting that this charge be removed from my account and any associated fees or interest be waived. I have attached a copy of merchants communications for your reference. Thank you for your prompt attention in this matter regards, XXXX XXXX
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have 4 late charges on my credit report that the company promised wouldnt happen when I was on a Covid Relief payment when I lost my job. Ive havent missed a payment since. Please remove all late payments from my credit report which is inaccurate. Thanks
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased the card on XX/XX/2023, and was unable to use it for a particular payment and it did not work. Today is XX/XX/2023 and NO merchant will accept this card. I have contacted American Express regarding this ECARD at least 5 times and have been advised to try different merchants, I have tried at least 8 different merchants, and no one will accept this card. American Express will not give a list of merchants that will accept it. The refuse to send a card that I can attach to my personal information to use. The refuse to do anything. The leave you on hold for a long as you will hold, on hold right now for 38 minutes. So, no customer service is provided. This is a scam!!!!!!! They are stealing the money of their customers! I have read review after review after review stating the same thing. American Express I have always considered a company you can trust so I did not think twice before purchasing. People are getting ripped off every day by this egift card garbage. They outsource customer service and NO ONE cares or tries to help. This really needs to be addressed!
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: American Express has charged me {$510.00} in interest fees on XX/XX/12. I contacted them to understand the charge. Here 's what happened : I had a bank account linked, and I didn't have enough funds in that account to make the payment due. I went online to try to change the account linked, and the American Express system wasn't working ( it had some error message, like " try again later '' or something ). That happened several times. I gave up and didn't have time to call them, so Amex automatically pulled the payment from my account with insufficient funds. Once I realized that had happened, I called to understand the interest being charged. I asked how {$510.00} was calculated. It was for a billing period of XXXX XXXX XXXX where I owed a balance. I asked if I was being charged interest on the whole amount of that billing period for each day of that time period, and they said yes. That means I was being billed interest on money I hadn't even spent yet!
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A