Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My American Express card was maxed out during my divorce. I tried to pay it down and felt that wasn't getting anywhere with the high-interest rate. I called American Express to close the account and I also asked if they had any payment plans to pay down the remaining balance and ultimately settle the debt. They said at the time that they do not offer any payment plans and that as long as the debt is in place, I will be charged late fees, accumulating interest, and my credit would be hit with rolling lates every month until the debt is paid. I was unable to afford the very high principal and interest payments and accumulating late fees. In 2022 they called me and said they now offer a solution to make the debt owed right to them. We set up an automatic payment plan of {$230.00} per month until the settlement amount of {$8500.00} is settled over the course of 36 months. I have made 12 months of continuous pavments and have been in good standing with them. Once I have made all the payments, I will have the derogatory remarks removed from my credit. However the issue Im having and was completely unaware of until I tried applying for a VA loan to purchase my first home is that even during the settlement agreement and making my payment of {$230.00} every month on time, my credit is still being destroyed with rolling lates and derogatory remarks. This is resulting in me as a U.S. XXXX XXXX Service Member unable to work with lenders and purchase a home. I dont understand how Im paying them back the money owed on the agreement they established with me and still my credit score is being hit every month with rolling lates for the past 3 years.
Company Response:
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: From the depths of corporate greed, a card emerges, a card so utterly steeped in excess that it reeks of contempt for its very users : the American Express Platinum Card. With its exorbitant annual fee of {$690.00} + {$150.00} for additional member, this card is nothing more than a brazen cash grab, designed to ensnare the unsuspecting with the promise of exclusive " perks '' while shamelessly emptying their wallets. The card claims to offer its members a litany of high-value benefits, such as airport lounge access, elite hotel status, and travel credits. However, upon closer inspection, one quickly realizes that these so-called perks are nothing more than a series of hoops that cardholders must jump through, with countless terms and restrictions rendering them virtually unusable for the average person. XXXX XX/XX/XXXX : The direct website of a 5 star hotel was {$520.00} cheaper than Amex travel fine hotel and resort collection when I booked using my Amex Platinum card. Now the Amex perks are no longer valid since I booked directly with the hotel and not Amex travle. They are window dressing their perks like in such a way that we, the customers, are clearly paying for it! Amex provides poor service. It is not even immediately apparent when we click on the so-called perks as follows and terms and conditions. In summary, the American Express Platinum Card is a shameless display of corporate avarice, masquerading as a luxury product. The benefits it offers are little more than bait to lure unsuspecting consumers into its trap, only to leave them saddled with a high annual fee and little to show for it. There are far better options available for those seeking a premium credit card experience ; do yourself a favor and steer clear of the Amex Platinum Card.
Company Response:
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: American Express advertises its " Apply with Confidence '' feature on its website. It states " During the application process, select applicants can find out if they are approved without impacting their credit score. If the applicant receives an approval and chooses to accept the Card, only then might their credit score be impacted. '' I decided to try out this feature on XX/XX/XXXX for XXXX XXXX XXXX. Instead of getting an answer on whether I will be approved or not, the website informed me that further information is needed. I then thought that someone from AMEX will reach out to me to gather more information necessary for this " pre-approval '' status. I never gave my full permission to process or complete the application at that time. Then, after a few days, I found out that the card is being shipped to my address. I immediately called AMEX to find out what happened and never got a satisfactory answer on why the card was approved. Nevertheless, I was able to cancel it right away and the representative also reassured me that I should be eligible for the bonus offer when I do apply fully for the card next time. Since then, I have been trying to apply for the card with the bonus offer, referencing this incident, but only got the message that this is now a reapplication and will no longer be eligible for any offer. I explained the situation multiple times to numerous customer representatives over the last 3 months and got no resolution to it. By wrongly approving for a credit card that I never fully applied for, it not only affected my credit score by processing the application but it also reduced the credit amount on one of my credit cards as a part of the approval process. I feel that their " Apply with Confidence '' feature was simply a bait which they used to collect personal information of the customers. AMEX used the feature inappropriately to collect my information to process the application all the way through without being given an option to " receive an approval and choose to accept the card '' as it advertises.
Company Response:
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX account number 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023, I made a purchase with XXXX after enrolling for an Amex Offer that would provide {$150.00} back as a statement credit. To earn this credit, the offer required spending {$750.00} or more, which I did. My transaction was {$1100.00}. Other requirements of the offer required purchasing online from XXXX and paying the transaction in US Dollars. All of this I did after reading the terms multiple times. I have used thousands of Amex Offers and understand how to use them. I have never contested an Amex Offer, because I receive credit regularly due to knowing how to follow the terms & conditions. On XX/XX/XXXX, I initiated a chat with Amex through the website to inquire about the missing {$150.00} credit. I explained multiple times to the chat rep that I paid in US Dollars after choosing USA/Dollars as the website settings on XXXX ( which is based in XXXX, and I don't speak XXXX so of course I know I used these settings ). Despite choosing English/US Dollars on the website, Amex reports that XXXX billed in XXXX Yen. Thus, Amex says I didn't follow the terms of the offer and they won't provide the {$150.00} credit. I have a case ID XXXX and escalation ID XXXX. No reasonable consumer would expect to see a price listed in US Dollars on a website, follow an offer that says to pay in US Dollars, and then be told that you were billed in another currency, therefore not qualifying for a {$150.00} statement credit. This is deceptive. No consumer should fairly be expected to know that they're on the hook for choosing to pay in a certain currency and then being billed in a different one. It's deceptive and unfair for American Express to refuse to honor this, and it's insulting that they offered a maximum of XXXX points to my account ( worth {$30.00} as a statement credit -- {$120.00} less than the missing credit ) when I did everything a reasonable consumer could possibly do to follow the terms of their offer. I expect American Express to provide the credit since I followed the terms of the offer and have not been able to get XXXX to re-bill me in dollars.
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My original complaint which photo will be attached i was told by the Board of governors of the federal reserve to submit my complaint here. I am writing in concern to an assessment due on CFO XXXX XXXX of AMERICAN EXPRESS COMPANY XXXX XXXX XXXX, XXXX XXXX XXXXXXXX for breach of fiduciary obligations. I have written the CFO three times in relation to adverse action on my credit card account and he has consistently ignored my letters. I would like for review and for resolution.This egregious error by CFO XXXX XXXX has held me from performance of the contract in which I have a secured interest. I would like for him to properly do his job so I can do mine. If I am unable to get resolution in 10 business days I will take action to court for breach of contract. Attached will be a photocopies of the documents sent mail with tracking numbers & signature as proof of delivery to his office. Some photos reference previous letters tracking number
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was sitting at work on XX/XX/2023 when I got a notification on my cell phone of a payment for XXXX being approved at a XXXX. I did not authorize nor does anyone have access to my card, in fact the card was in my possession at the time of transaction so I have no idea how this payment was able to be approved. I am not a wealthy person and this was all the money I had in my account leaving me and my XXXX children completely without anything. Immediately after the notification came across my phone I called and disputed it with American Express and XXXX. American Express had failed to properly investigate my dispute not once but twice and declined both disputes. XXXX to this date has not responded to my dispute. I am frustrated, sad and completely out of options..I have been without my funds for a month now and American Express and XXXX has made it clear they do not care that I am a victim of fraud.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: 1. American Express website was difficult to navigate in terms of disputing transactions in previous billing cycles. 2. XXXX charged me the same transaction of XXXX thirty times. 3. I would like 29 of those transactions refunded.
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for an AMEX platinum credit card this morning on my mobile phone, with the hope that both myself and my husband can use it ( adding him as an authorized user ). Personally I am sick of long covid and not able to really travel anywhere, but my husband will still be utilize all the travel benefits and perks, which is the main reason I applied for the card in the first place. And based on my experience with all other banks such as XXXX XXXX, XXXX and XXXX, there was never a fee for adding one authorized user. And when I scroll through the landing page for AMEX there is nowhere clearly that shows that adding authorized user will incur an annual fee of {$170.00}, and therefore I made the decision to apply for the card. Only after I got approved by AMEX, then they starts to ask me do I want to add authorized users for a fee of {$170.00}, which is when I got caught by surprise completely. Now that I have already applied for the card, my credit score got pulled, if I again cancel it right after it will just hurt my credit score even further. And I have called 3 times talking to different people on AMEX team to make a complaint and no one want to help me at all and they just say they didn't do anything wrong. However, based on my understanding, all of these are clear violations of CFPB regulations on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) examination procedures and on 1006.18 False, deceptive, or misleading representations. I also feel the mis-presenting of these information is a discrimination towards disabled communities and long covid people, which is definitely not good practice.
Company Response:
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A