Date Received: 2023-04-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Former bookkeeper applied for credit fraudulently under the owner 's name, social security and date of birth. Funds were withdrawn from our account illegally and we asked for it to be reimbursed. We submitted an affidavit under their direction, spoke to them yesterday and they have confirmed this loan was indeed taken out fraudulently. Unfortunately their investigation stopped there, until we spoke to them yesterday asking to be reimbursed {$8500.00}.
Company Response:
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I am DEEPLY concerned with what's going on in the banking industry in general, PRIMARILY DUE TO THE FACT GOVERNMENT IS ALLOWING THEM TOO! I HAVE had ONGOING problems with AMEX bluebird! I altered my address couple of months back, since that time I have had close to ten transactions declined by merchants bank due to ZIP CODE MISMATCH! LAST month someone ( I believe ) fixed it at AMEX such that transactions could be finalized. HOWEVER, several transactions just failed. The AMEX policy of placing an eight day hold in all circumstances without ability to remedy, IS UNCONSCIONABLE!!! This behavior CAN NOT BE ALLOWED!!!!!!! Using my latest declined transaction as example ( on or about XX/XX/XXXX ), AMEX placed this hold on the funds because somehow they reflect it as approved ( declined at merchant .... ). NOW I do not have enough available in account, FOR ANOTHER EIGHT DAYS!!!!!!! I HAVE TRIED MANY TIMES to get them to release such a hold, NO EXCEPTIONS their sticky fingers won't release funds for EIGHT DAYS! RELEASE MY FUNDS, STOP THIS POLICY!!!!!!! FIX MY INFORMATION SUCH THAT I AM NOT PERPETUALLY GETTING TRANSACTIONS DECLINED!!!!!
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
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: I am disputing a charge on my American Express card for the amount of {$3100.00}. I was told if I could prove that I tried to contact the company to let them know I was unsatisfied that they would refund the amount. They keep claiming that because I signed a paper that said the work was completed that they are siding with the company even though I explained that they lied to me about the purpose of the paperwork and it was only for a prototype and the completed work has still not been done. XXXX XXXX is the company I am disputing against. They haven't even completed the terms and agreements on the website they were suppose to complete and they have the pictures on the website as boxing and I was told that was just a sample because they were suppose to build the website for self defense products and they never changed the pictures from boxing.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/XXXX American Express sent me an email saying theyre going to lower my credit limit if I dont pay XXXX to them within 3 days. Saturday XX/XX/XXXX I called and paid XXXX as I had just paid XXXX on the XXXX. I was reassured multiple times my account will remain with the current credit limit And they will not lower my limit. On XX/XX/XXXX I received an email stated they lowered my Limit after insisting they wouldnt. I called that day and they said theyd investigate as it was an error on their part and call me back in 24-72 hours. Today I called and theyre saying Monday or Tuesday next week. This affects my credit rating and theyve caused me major issues as paying almost XXXX to them all at once as well was difficult.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
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 on my first Amex platinum card with a sign up bonus of XXXX. Got excited and was approved. I called them multiple times that if bonus of XXXX was true. Representatives confirmed it and i am eligible. Despite heavy annual fee and a spend of XXXX requirement bonus, i obliged to meet it after 3 months. I followed up with them and told me without a notice that i am not eligible for the bonus. I am devastated, i work hard for this bonus. I spend tons of money plus the heavy annual fee. I could have used my money and time with other cards if i wasnt eligible. I know for the fact that its my first time with the card to earn the bonus. Amex didnt even bother to email me after the escalation. I beleive i deserve that bonus legally and i have screenshots submitted to them that i could receive the bonus on my application. Hoping for the outside help.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: We already complained that AMEX had put us on the pay-over-time option on the card against our will. They have been charging interest on the pay-over-time portion of the monthly charges even though we pay in full each time. We had to go online and opt out of the pay-over-time feature, which was done in XXXX. I just received my XXXX bill and they are charging {$1.00} in interest for the pay-over-time option which I have opted OUT of. Their answer for the last complaint was that since I opted out, nothing further was needed. Which is not okay b/c they have taken money from me for this pay over time option which I do not use. Now, my statement shows a {$5000.00} pay-over-time limit, which should not be there since I have opted out and they are charging interest of {$1.00} for nothing! They should be prosecuted.
Company Response:
State: IN
Zip: 47711
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX failed to distribute points on a state inspection charge
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I applied for the American Express XXXX card and I was approved. There was a pre-approval process in which a soft inquiry was conducted an a hard inquiry would only occur if I accepted the offer, which I did. I then saw that I could apply for a second card with additional benefits ( The Blue Cash Preferred ) and when I went to apply, I didn't see any notice or statement that said there would be a second hard inquiry so I was under the impression that since it was the same day and same bank, there wouldn't be another inquiry. However, I accepted the second card, and another inquiry was added to my XXXX and XXXX credit reports. I called customer service and spoke with XXXX who said he would transfer me to the credit bureau team who would explain how to go about removing the second inquiry. From that point on, I was transferred five times and each person I talked to said they weren't the right team. Finally, I spoke with XXXX XXXX in XXXX XXXX, Texas who placed me on hold a few times to speak with the team that would handle the matter. She told me they couldn't do anything because each application comes with a hard inquiry but I explained that I did not see a notice and disclosure that stated any application or subsequent application after the original credit application would result in a hard inquiry. XXXX XXXX told me she was creating an internal case but we got disconnected. Before we got disconnected, I explained to her that under the FCRA, permissible purpose requires expressed consent on my behalf for any credit reporting agency to furnish my report to any person. I don't know the status of the internal case at this time.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a SERVE checking account and was only making deposits into this account for things I needed in the future. I requested the Bank to pay a bill by depositing money from my account into another account XXXX. I Provided my account number for the XXXX deposit and I waited to see the money be transferred into my account. It was on the XX/XX/2023. After attempting to call this Bank customer service I found that the only way to get in touch with a live agent was to go through the list or stolen card prompt ; I did talk to many many agents who just shuffled me from one person to another. I finally called XXXX to see what could be done after SERVE insisted that I call them to get a resolve but they could not do anything but advised me to keep checking my account. Finally a check arrived to my mailbox addressed to XXXX, with the XXXX account number on the check. I called XXXX back after I could not deposit the check via mobile app without direct deposit but they advised me to take the check to XXXX, XXXX or XXXX which are stores that can handle a deposit of funds into my account. After visit XXXX and other stores they inform me that they could not deposit the check because it was not in my name but made out to XXXX. I even tried to deposit the check into my personal major Bank account but again was told that the check had to be playable to me, in my name to be able to cashed or deposited into my account. After this I began to be Leary and called SERVE Bank on several occasions and tried to explain my situation asking that they cancel the current check and replaced the money back into my account. After countless of unexplained dropped calls the customer service representative just hang the phone up in my face and now it seems as if my phone number is recognized and it is not even being answered now. I have vowed to get my money out of this bank and close the account but I need help with this problem. I am not able to get a resolution or response to the right person to fix this wrong and it it just not right to withhold my money like this. I am seeking your help with this situation and I thank you in advance for your help.
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A