Date Received: 2023-05-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX I used my American Express to purchase an item for {$430.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX While the store employee named XXXX still had my card, another two employees took me into a back room, gave me alcohol, used a light wand on my face, then took pictures of me. During the time XXXX still had my card she made {$9800.00} worth of further purchases to my card, unbeknownst to me. When I returned home to find a single receipt for my {$430.00} purchase, plus multiple items I did not purchase in my bag I checked my online account and found the extra charge for {$9800.00}. I did not know about this charge or the extra items. I returned the unopened items still in their shrink wrap to the store. I did NOT purchase these items, I did not authorize the charge on my card, and I do not have the items. American Express is still holding me accountable for the {$9800.00} because I gave my card to the employee to purchase an item for {$430.00}. I was completely unaware of the extra purchases for {$9800.00} made by the employee XXXX while I was in the back room. This is XXXX!
Company Response:
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The account in question is American Express Revolving Credit card account. It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a XXXX XXXX account '' when the XXXX XXXX account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
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: On XX/XX/XXXX, I attempted to transfer {$870.00} from my American Express credit card to their XXXX XXXX XXXX so that I could pay our landscaper through XXXX. I kept getting error messages that the transaction from my credit card to the XXXX XXXX XXXXXXXX would not go through. Finally on the XXXX try it said it went through and my XXXX XXXX XXXXXXXX account showed {$870.00} available. I went into my XXXX account and paid our landscaper and the balance on the XXXX XXXX XXXX account was now at {$0.00}. On XX/XX/XXXX, I logged into my American Express account to pay off the {$870.00} and it showed that I had a balance of {$1700.00} due in my card. It showed that while trying to make the original transfer there were XXXX transactions of {$870.00} and that XXXX of them were reversed and that XXXX of them went to my XXXX XXXX XXXX however my balance of the {$870.00} from the second transaction was never available. I contacted American Express on the same day and explained the situation. I spoke to several individuals before finally speaking to someone that asked for screen shots of my account to be sent to them so they could figure out where the XXXX {$870.00} went to. I send the email along with attachments. The next month when my payment due for the other balance of {$870.00} ( I paid off the first one that I agree was owed on XX/XX/XXXX ), I called back into American Express. Im was told that they were still looking into the issue and to make the payment due to avoid having a missed payment that could show on my credit report. I asked them if I would get back the money that I would pay on it when it finally got straightened out and was told that I would if they could show that the debt was incorrect. I continued to make payments on the debt while calling in as my credit score was over XXXX and I did not want to jeopardize it. I kept getting told the same thing, it involves a XXXX party vendor and we are working on it. Finally in XX/XX/XXXX after no resolution from American Express and almost a year and a half of paying on a debt that I do not owe, I did stop making payments. I spoke to someone in XX/XX/XXXX that finally put me in touch with someone in the dispute department. I was told that they had no record of me ever disputing the original charge. I offered to forward the email from then if needed to show that I did contact them. I called back in later and was told the dispute was closed, but I received nothing in writing and was still told that it showed I have a balance. I still could not receive an answer on where the money went. They went on to open a second dispute in XX/XX/XXXX and I still have not received a finding in that one but have been told that my account has been sent to collections. This seems to be a technical issue that American Express refuses to clear up. They can not show where the second transaction of {$870.00} was ever available in my XXXX XXXX XXXXXXXX but they continue to try to collect on it.
Company Response:
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied AMEX Hilton business credit card with welcome bonus ( Earn XXXX Hilton Honors Bonus Points + a Free Night Reward after you spend {$4000.00} on eligible purchases with your Card in the first 3 months. ) on XX/XX/2022. I used the referral link for the promotion and got approval without any pop-up window or alert. I spend more than $ XXXX before XXXX and didn't receive the points as they mentioned which worth {$1000.00}. They said I am not eligible for the promotion but didn't let me when I applied it. I read the policy and didn't see any reason for me not eligible. This is the first time I applied for AMEX Hilton business credit card.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/15 I applied for an American Express Gold credit card and was approved. I gave them my personal information. The website was legitimate and authentic. My request was processed and I was mailed the card. However the following morning I received multiple calls seemingly from the American Express service number. Then they finally called me a fourth time from a different number of a known scammer and left a voice mail. The number was XXXX ( XXXX ) XXXX. In the voice mail. They knew my full name, phone number and the fact I had recently applied for specifically an American Express credit card. At the time I was confused. They asked me to call them. So instead of calling the number back. I went to the American Express websites and called the help desk directly. They said they had no records of them calling me and it was extremely unusual since there was no problems with my account. I immediately knew something was wrong. The scammers clearly spoofed their phone number to appear like American Express help service. I called their security department explained the issue. The service woman explained that they keep my information safe and do not share data with anyone. This was clearly not the case. 16 hours after signing up for an American Express Credit card, I get scam calls about an American Express Credit card using my full name and credit card. The chances of me getting this scam call was either the worlds largest coincidence or the more likely scenario is American Express is compromised I would now like to mention I am cyber security engineer and ethical hacker. I am extremely aware of the dangers of the cyber world. Bringing me to 3 possible conclusions. American Express either had poor security standards, has a small group of employees who are stealing data, or American Express is lying and is selling data to 3rd parties. In any case, this is an egregious and blatant failure of American Express to protect its customers and data. To add on at the end. XXXX ( XXXX ) XXXX. This is the scam number. Searching it on the internet, you can find other people complaining on online forums about this number specifically, doing the same scam. This is a long running issue that has not been resolved for a minimum of one year. Which is a long time for a single scam number to be active.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX TECHNOLOGIES XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX KEYESEUROP XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TD AUTO FIN XX/XX/XXXX ELAN FINANCIAL XX/XX/XXXX
Company Response:
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I attempted to change my unit number on my address because I am moving. I changed it online a few months ago but was locked out of my account so I had to call. The representative refused to change my address unless I gave him the three digit code from the back of my card. I do not have my cancelled card on me and I am in a middle of a move so a lot of my stuff is already packed up in boxes. They would not identify me in any other way and would not reset my password so I can have online access. No other companies ( XXXX, XXXX, XXXX, XXXX or XXXX ) had any issues with updating my information. I have a privacy concern because my statements are being mailed to an address at which I am no longer living, another tenant will have my statements and all of my information. American Express is preventing me from having online access to my account and preventing me from accessing to my statements. I am expected to make payments but I have no idea what my balance is or if there is fraud on my account due to them mailing my private information to the wrong address. According to Federal Reserve A credit card company must mail or deliver your credit card bill at least 21 days before your payment is due. American Express is refusing to deliver my information to the correct address as they will not make an update. The rep claimed that there is no other way to identify me ( I offered to send my ID, written and notarized letter and my social, as well as answer any questions ). The call ended as the rep hung up on me.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/, this charge from the Hilton XXXX XXXX hotel in XXXX posted on my account but the bonus points were not correctly calculated per the advertised multiplier of 14x for Hilton hotel ( rather 3x was applied ). Customer services response ranged from it wasnt their problem the local hotel didnt code the transaction correctly to we will fix it after the statement closes. It is misrepresentation from American Express to tell me when I charge something from a Hilton hotel ( and XXXX XXXX was confirmed as being on the allow list by customer service ), I will get 14x that amount in Hilton bonus points if they are going to blame other parities. I have no control over that. This needs to be fixed immediately.
Company Response:
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: As yesterday XX/XX/2023 I was abruptly shown to have had my credit limit dropped from one of my Amex XXXX to XXXX and my XXXX card XXXX to XXXX for no reason I have made all my payments on time never late. I have my income that hasnt changed have had no job changes. As well I have been waiting for my other incomes coming so my balances were high for few months taking care of my wives medical on my cards and gifts while taking care of my small business affairs but nothing to warrant this behavior. Buy doing this it increases my credit usage above my keeping it below 50 % now it will be way over causing my score to be dramatically impacted for no reason. Would like to have this reversed please before dramatic effects take place. Thank you
Company Response:
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
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 opened an Amex credit card in XX/XX/XXXX ending in XXXX. In XX/XX/XXXX, I received an alert that there was fraud on the account. It was a charge from XXXX. I cancelled the account and reopened it to prevent future fraud. On XX/XX/XXXX I received a charge for {$350.00}. I did not authorize this charge. I contacted customer service and they stated this charge is irreversible. I have paid the charge to not impact my XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/XXXX.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A