Date Received: 2023-05-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been made aware that AMEX continues to violate my consumer rights excessively! I have had multiple encounters with AMEX and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. AMEX has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This is in response to claim # XXXX which was not adequately addressed. See attached amended letter from AMEX that I received in XXXX OF XXXX with revised terms. It states that transactions BEFORE XX/XX/XXXX : CURRENT APRs WILL CONTINUE TO APPLY TO THESE TRANSACTIONS and the new XXXX will apply to purchases and balance transfers made ON OR AFTER XX/XX/XXXX. My APR did not change until XX/XX/XXXX and is being applied RETROACTIVELY to XXXX!! Prime rates did not increase until XX/XX/XXXX!! PREDATORY!!
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act AMEX : ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX : ( XXXXXXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy. 15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting XXXX
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: American Express continues to show a late payment on XX/XX/18 on a closed account which is a direct violation of the FCRA 15 US Code 1666 ( b ) Timing of payments " A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose ''
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I've reached out to this company numerous of times about my federal income that has been taken off my Serve account prepard American Express card. They have denied me multiple times for my dispute. On XX/XX/XXXX my card has been used and had XXXX taken off my card. They keep saying I've authorized these transactions. I'm currently living in a hotel and that money was for my apartment to move into a home with my XXXX children. It was my FEDERAL INCOME TAX. After my third 3 attempt with my dispute they have closed my account and locked it. Saying I haven't kept up with the agreement that they have with me. I asked for documents to see their evidence I never received a copy. I really feel like it's a inside job. Or because the amount they don't want to give me my funds back. I have police reports, and also the offericer has subpoena them for their records.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for a Delta SkyMiles Gold American Express Card in XX/XX/XXXX with an introductory bonus offer of XXXX miles after spending more than {$2000.00} within a six month period. The card was approved, the more than {$2000.00} within six months was spent, and I kept the card open. Fast-forward to now, XX/XX/XXXX, I have not been given these miles and was never informed that I would not be receiving these miles. I contacted American Express support and was informed that based on my " credit history, welcome bonuses, or the number of cards opened and closed, that I was not eligible ''. I was never informed that this bonus offer was denied, and the advertising was misleading/predatory. Further, I was charged the annual fee of {$99.00} in XX/XX/XXXX. I told them to downgrade the card to one without the annual fee, but they also informed me that they would only be refunding me a prorated amount of the annual fee, despite not making any purchases on this card since the annual fee was instated. I know for a fact that they have no records of me being informed of being denied this bonus offer of XXXX miles, because I was never informed. Furthermore, I kept the card open for the past year, spent thousands of dollars, paid off all balances, and was screwed over by American Express 's predatory/illegal advertising practices.
Company Response:
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express obtained a finance charge in this purchase money loan whereas a purchase money loan is defined in 16 CFR 433.1 ( d ) as a cash advance which is received by a consumer in return for a Finance Charge. American Express utilized the consumers credit card as defined in 15 USC 1602 ( l ) defines the term credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. To obtain a finance charge. The consumer was denied the cash advance and/or credit extension, based on the color of a credit reporting agencies illegal information reporting on consumer transactions defined in 15 U.S. Code 1681a Exclusions, which states that a consumer report should not include any information solely pertaining to transactions or experiences between the Claimant/Consumer and the person making the report. On XX/XX/2023, the consumer contacted American Express to request the legal basis for their decision to deny the consumer the right to extend credit in accordance with 15 U.S. Code 1602 - ( f ), which defines credit as " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' The consumer was not provided with any legal basis for the decision and was denied access to speak to the underwriter who had securitized the consumer 's application. American Express in violation of 15 USC 1611 Wherein as Misleading and false information in conjunction with a credit transaction was relayed to consumer justifying a denial of an extension of credit wherein as out of the same transaction American Express received a benefit. American Express is in violation of 15 U.S.C. 1691 ( a ) ( 3 ) which explicitly prohibits discrimination against any consumer for exercising his or her right to obtain credit. American Express has been found to be in violation of the Securities Exchange Act, as they have securitized the consumer 's application and selling it on the open market for profit, for their unjust enrichment, at the detriment to the consumer. This constitutes securities fraud. American Express failed to disclose pertinent information to the consumer which would have enabled the consumer to make an intelligent decision. The consumer was misled by American Express ' deceptive practices, and believes that these practices amount to identity theft, securities fraud, tax evasion, and various other federal violations. Furthermore, American Express unlawfully utilized the US mail to deliver deceptive forms to consumers with the intention to deny them an extension of their own credit, an act that is illegal for American Express as it does not have the legal authority to lend its own money or credit. This has caused consumers to have a lack of trust in the banking system. American Express is aware that the consumer is crediting the transaction, whereas American Express, through deceptive means, is obtaining the consumer 's social security numbers ( credit card ) and other identifying information, in order to fraudulently access the consumer 's open-ended credit plan, misappropriate the funds, and unjustly enrich themselves through securities fraud.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: american express has an inquiry on my report without my consent and knowledge. i would like it to be removed immediately.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I contacted American Express because I received by email an offer to sign up for the Business Platinum to receive XXXX points and Business Checking account to receive XXXX points ; and then an additional XXXX points for doing both. I received the XXXX and the XXXX points, but never received the additional XXXX points. On XX/XX/XXXX I followed up and was informed that my rewards were denied because my " offers were not linked ''. I have looked through the fine print in the email and I have satisfied all of the conditions. It seems like something went wrong on their end they didn't track the offers together, which seems very strange- the email doesn't mention having the offers linked - I applied for both on the same day - so it shouldn't be difficult for them to track the applications together
Company Response:
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The American Express Marriott Bonvoy Brilliant credit card offered a {$300.00} credit per membership year for purchases made at Marriott hotels. On my statement with a closing date of XX/XX/2022, I received an " Important Notice '' from American Express that stated, " Effective XX/XX/2022, the {$300.00} Marriott Bonvoy statement credit benefit will no longer be available. It will be replaced with a new benefit of up to {$300.00} in statement credits per calendar year ( up to {$25.00} per month ) for eligible purchases at restaurants worldwide. You will have until XX/XX/2022 to use the {$300.00} Marriott Bonvoy statement credit benefit made available on your account opening date or last account renewal date. '' My account renewal date was XX/XX/2022. I made a Marriott Bonvoy purchase of {$310.00} on XX/XX/2022 at XXXX XXXX EST, for which I have a receipt. Marriott refused to give me a {$300.00} Marriott Bonvoy statement credit. When I called American Express, the representative refused to issue a credit, claiming that I " wasn't eligible for a credit between XXXX, '' which is in direct contradiction of the terms provided to me and cited above.
Company Response:
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A