Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I dont regonize this inquiry. AMEX Date of inquiry : XX/XX/XXXX XXXX
Company Response:
State: NC
Zip: 27893
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: When I originally reported the unauthorized charges I was overwhelmed and confused about the many ATM withdrawals that were made on my account. To clarify there is a total of XXXX unauthorized withdraws in a total of XXXX $ I apologize for the confusion if there were any inconsistencies in the manner I reported the situation at hand. To begin with, I made an honest mistake, I did not recognize the XXXX $ XXXX charge as it was a new subscription for a credit check. The website offers a 7 day trial period but went ahead and charged my account on the XXXX day of the free trial period. A XXXX dollar charge was made on XX/XX/2022 for the false advertised offer of the 7 day free trial period. I still do not wish to dispute the charge because from what I concluded my entire claim was denied as this was a pre-authorized charge. Thus I was never offered provisional credit and did not have access to any funds when the investigation took longer than 10 days to complete. The agreement states that if they decide to take longer than XXXX days to investigate my complaint, they will credit my account with the amount in dispute so that I have access to those funds while the investigation completes. I was only provided a denial regarding the XXXX $ for the XXXX charge 9 days later and the remaining XXXX transactions were denied on XXXX XXXX. That is XXXX business days total XXXX calendar days 17 days skipped : that I had to wait, deprived of the funds fraudulently withdrawn from my account. I was told first XXXX days, then XXXX then XXXX days to receive a response and their decision remains unchanged. I have provided the identity theft police report information, hospitalization discharge print out, the addresses of the XXXX locations where I used the ATM prior to being hospitalized and was unsuccessful at withdrawing any money. That is where I believe my card was skimmed. I did not return to those locations again, yet on XX/XX/700 $ were fraudulently withdrawn at that XXXX. I have pointed out the confusion in the dispute acknowledgement emails received, that show the transaction date incorrectly. As they all have the same date of when the transaction was disputed as opposed to when the transaction took place. Upon review, I also noticed that XXXX ATM fees of XXXX $ where credited back to my account on XXXX XXXX, but not the actual amount that was withdrawn when the fee was charged. The amount of XXXX XXXX XXXX XXXX this situation has caused me is beyond hurtful. It has affected my well being, XXXX XXXX XXXX XXXX XXXX XXXX XXXX before this situation, it remains unresolved and it is negatively impacting my mental health. Not only do I feel XXXX by whomever took my money while I was in the hospital, this financial institution refuses to acknowledge that I am a victim of identity theft. When questioned about the documents used in making their decision to deny my dispute, they state that no documents where used to make their decision. There is nothing to support their response to say the ATM withdrawals were as they responded : XXXX and XXXX ; XXXX was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. Maybe I wasn't clear enough in my initial reporting of the unauthorized transactions. However I have provided all the evidence I have to show I was physically not able to leave to hospital and didn't have any personal property with me at the time of discharge. I still have not been granted the use of my funds. I would like to express that this is the most difficult situation I have had to deal with as I am dependent on my social security benefits on a monthly basis and almost half a years worth of my benefits have been stolen, this is detrimental to my mental health. I understand that my dispute is currently within the time frame and I shall allow XXXX business days before I can expect the provisional credit. If denied I expect concrete reasons and evidence to support their decision of denial. The vague response that XXXX and XXXX ; XXXX was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud.Without any documents used in the decision is unacceptable. I would like to know who authorized the withdrawls and a reason on why I would be wasting everyone 's time with this matter then? I am not the first and only person this financial institution has wrongfully denied! From my research, they use automated response emails as the decisions to deny a consumers complaint are identical in wording.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In reference to the following account below : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX AMEX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, anyConsumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) The financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. Any and all consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX do not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing to express my deep dissatisfaction and frustration regarding an unresolved issue with my Hilton branded credit card, ending in XXXX. The entire experience has been incredibly inconvenient and confusing, leaving me feeling dissatisfied as a loyal customer. On my last statement, which closed last month, I had a remaining balance of {$41.00}. Seeking options to downgrade my card, I contacted one of your agents who informed me that if I chose to keep my card open, I would receive a credit of {$100.00}. Considering this offer, I accepted it and was pleased to see the credit posted to my account within a few days. However, the credit resulted in a negative balance of - {$59.00}. I requested a refund of the credit balance, which was thankfully provided. However, to my dismay, I recently discovered, on XX/XX/XXXX, that my statement balance still showed as {$41.00}, despite my total balance reflecting as {$0.00}. Perplexed by this inconsistency, I contacted your customer agent for clarification. Unfortunately, I was forced to pay the {$41.00}, even though I had a zero balance, with the assurance that it would be refunded to me subsequently. Regrettably, I complied with the request and made the payment as instructed. Now, I find myself in a situation where I am being asked to XXXX American Express once again, after a few days, in order to obtain the refund that was promised. This ongoing back-and-forth and the lack of resolution are not only inconvenient but also deeply frustrating. As a valued customer, I expect a higher level of service and transparency from American Express. The series of events surrounding this issue has caused unnecessary confusion and inconvenience on my part. I strongly believe that this situation should have been handled more efficiently and professionally. I hope that steps will be taken to prevent such issues from occurring in the future, as they undermine the trust and confidence I have placed in American Express. I trust that you will give due attention to this matter and provide a satisfactory resolution at the earliest possible time. I value my relationship with American Express and look forward to your prompt response and appropriate action.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The company has not credited the full chargeback amount of XXXX from XX/XX/XXXX paid to XXXX XXXX even though they have admitted that the company charged me the wrong amount and I have supplied them abundant evidence for chargeback reason code XXXX that the product or service was damaged.
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Account ending in XXXX. On XXXX I opened 5 billing disputes against the same merchant. The merchant wasnt able to fulfill my orders and advised me, in writing, to charge back those transactions with my bank. I uploaded a copy of this communication to Amex. On XX/XX/, Amex credited my account for the disputed transactions. This credit is usually temporary pending dispute investigation. On XX/XX/, Amex closed t he 5 dispute cases in my favor. It has been more than 30 days since I filed the dispute. Amex gives merchants 20 calendar days to challenge charge backs, that time has now passed and the credit balance is no longer temporary. I submitted multiple requests to Amex to refund the remaining credit balance without success. Every time I receive the following message : We wanted to let you know that unfortunately we are unable to process a wire transfer at this time. Your account is under review with another department. I never received any sort of communication from that department r egarding this review. Under 12 CFR 1026.11, Am ex is required to refund any part of the remaining credit balance within 7 business days from receipt of a written request from the consumer.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TO : Bluebird Customer Service XXXX XXXX XXXX XXXX, GA XXXX From : Account # XXXX XXXX XXXX I am disputing the following 8 Unauthorized transactions : XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$41.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$38.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX XXXX CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$120.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$28.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX XXXX {$55.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$42.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$35.00} XX/XX/2023 Store Purchase I did not Authorize Transactions from : XXXX XXXX nor have I recieved anything form : XXXX XXXX, I contacted XXXX they said they could not help and for me to make a claim with my bank. Thank You, XXXX XXXX
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express openly advertises that it will approve a person applying for business and personal credit if that person has a XXXX XXXX, has an income of at least {$3000.00} a month, and verifies these items. I confirmed all of these items. American Express asserts that it accepted full payment of its accounts from me over seven years ago. American Express declined me today for information that is not on my credit report and outside its advertised guidelines. This is discrimination, bias, and an Equal Credit Opportunity Act violation. As a XXXX American, I have been denied access to credit based on my race and zip code, as identified in my application, and not my creditworthiness, income, and credit score, all exceeding American Express requirements. I request that CFPB include this complaint and inquiry into American Express activities and why long-settled items are included in an evaluation of credit outside of the statutory period and contrary to the ECOA.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I was supposed to receive a replacement card for my American Express Platinum. I was given an entirely different card with a different account that I did not ask for or agree to. My Amex Platinum had an annual charge for {$690.00}, which appeared on my statement and I was having a difficult time financially. I reached out to them to explain what was going on and asked if it was possible for me to perhaps pay the fee the following month. ( Although I dont know why, I knew they wouldnt help me. ) But, I was told I qualified for their green card which would lower my rate to $ XXXX. instead of the ( absurd ) $ XXXX. A {$690.00} fee, especially considering the fact that my credit limit was never more than {$4200.00} is ridiculous. I looked at my statement a couple of weeks later and the fee still had not changed. I specifically asked if lowering the fee to {$150.00} would affect my credit, credit limit or my account in any way and I was told no. I honestly dont know what they did. I just know that none of it was what I requested, none of it was made clear in any way shape or form and I feel like I was, I guess, tricked. Because business was slow, I opened another credit card specifically to transfer {$2500.00} to this Amex card to get the balance down. About 3 days after initiating the transfer I logged onto my account and saw that I was now over my spending limit and past due because the actual product, my Amex Platinum, was changed to a completely different card ; the credit limit was lowered so much that it put me over my spending limit and the {$2500.00} payment wouldnt have even brought it under the limit. I sent this complaint once already and was offered a {$20.00} credit. Is that a joke? What they did is so unethical and immoral. I have a hard time believing its even legal.
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX AMEX XX/XX/2023 To Whom It May Concern, This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX XXXX
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A