Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive sent letters of dispute but Ive never received an answer, items that are too old are still on my credit report
Company Response:
State: CA
Zip: 95620
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account was never late, and written off.
Company Response:
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/23 I contacted all XXXX credit bureaus notified them of the unauthorized inquiries but couldnt receive a resolution.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My wife XXXX XXXX XXXX and I both have cards from American Express. Recently we BOTH received marketing offers from American Express on our respective credit cards. The offers were quite clear. Spend {$150.00} or more at XXXX XXXX in store or online and receive a {$15.00} statement credit. We EACH did this. We each spent {$170.00} on our respective cards at XXXX on XX/XX/23. We did not receive the {$30.00} ( {$15.00} on each card ). We received nothing. We spent hours on the American Express chat with different reps and even a supervisor and they all had a myriad of excuses as to why we did not receive the promised cash bonus. One rep theorized that it was the way XXXX XXXX chose to report the sale ( XXXX ) to American Express. Possibly this was a fraudulent scheme by XXXX to negate the need to pay marketing bonuses. Our respective credit card billing statements are crystal clear. They show the merchant to be XXXX CO XXXX MN and the XXXX phone number. Subsequent to our first complain American Express posted a {$15.00} courtesy credit to my wife 's account ( XXXX ) but did nothing for me on my account ( XXXX )
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX, I was contacted by American Express by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with American Express who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new American Express XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all 3 credit bureaus of about XXXX points. A week later, the remark reappeared, and neither American Express nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to American Express was routed to 5 different people, only to be told I would have to speak to someone at American Express headquarters. AMEX HQ told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. AMEX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new American Express XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was told AMEX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " American Express '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know AMEX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: American express-account ending in XXXX american express is reporting two lates XX/XX/XXXX, and XX/XX/XXXX. These are a direct violation of the FCRA 15 USC 1681b permissable purpose of consumer reports. XXXX is in direct violation as well for not removing the items under the FCRA
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I enrolled in American Express car rental protection insurance on XX/XX/2023. I told the Sale Representative/ Customer Service what I needed and my situation. The Sale Representative/Customer Service told me to use my American Express credit card at the rental agency XXXX and said " Something like a Pre Authorization will activates the insurance ''. The rental car had an accident on XX/XX/2023. I filed the claim on XX/XX/2023. However, on XX/XX/2023 denied my claim as the following reason : " Our records indicate that an enrolled American Express card was not used to pay the rental fee for the Rental Car. Therefore, the above referenced activation requirement was not met.An authorization of {$100.00} was held and refunded therefore was not charged as a portion of the rental fee to the eligible card. XXXX XXXX XXXX was charged in full for the rental of {$320.00} per the Closed Rental Agreement ". From my perspective, American express Sale Representative knowingly Misled me and/or misinterpreted/Did not classify the insurance terms when I enrolled the insurance in the first place. Otherwise, I will purchase XXXXXXXX XXXX XXXX to cover the rental car.
Company Response:
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I earned a XXXX points bonus through an introductory American Express Platinum card offer. However, after being assessed the next year 's annual fee, I called American Express customer service to downgrade to Gold as we no longer wanted to pay the increased annual fee for Platinum. Before downgrading however, I very clearly asked the agent to verify that my points would not be impacted by this move and he assured me that there would be no change. This happened in XX/XX/2022. However, in XX/XX/2022 when attempting to book a flight using my points, I found that my account had been debited the XXXX points. I was confused by this as the agent had told me otherwise. When I called American Express again, the agent told me that this was because I had not been a Platinum member for a full year. I told them that didn't make sense because I had already been assessed an annual fee already so I must have hit the year mark. However, I then checked and found that I was a month short of hitting the year mark which I wasn't aware of at the time of downgrading ( and was completely unexpected given I had already been assessed my next year 's annual fee ). I told the agent that this was a very misleading practice, and on top of that, the agent I had spoken to had confirmed my points balance would not be impacted. The agent replied that they would pull up the recording itself and if that's indeed what the agent said, they would award the points back. They did say this would take up to 14 business days. Fast forward to today and I've already called American Express multiple times after each 14 business day period. They keep skirting the issue and telling me that they'll need another 14 business days to research the issue. At this point, I'm convinced that AmEx is just trying to avoid awarding me back the points I earned. I'm incredibly frustrated by the deceptive practices being employed at and am now forced to escalate this via the XXXX Note that this is what I wrote through the XXXX in XX/XX/2022, and I continue to go back and forth with American Express through there but the company has not been helpful for months. I've told them to go back to the recordings and listen to them, but there's no evidence that they've done so. And they won't release the recordings to me unless I have a subpoena. I'm at my wit 's end at this point in terms of trying to deal with their agents.
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Traveling to XXXX and saw XXXX had offer, book through them and when checking out we were offered American Express Delta Sky Miles card. Sign up and get {$300.00} statement credit. Great! Three of us booked on XX/XX/2023. We were all approved for the card. My partner got {$300.00} credit immediately. My sister in law and I did not get the {$300.00} credit. So we both have called and gotten a variety of excuses and they promise to open up an inquiry. Her inquiry was closed, no credit. She wasn't even notified. Mine was closed today no credit, and I still don't understand why. After multiple phone calls and a live chat by me today they are claiming some people receive the statement credit and some are not eligible. No reasons given when I asked for verbiage stating who is and is not eligible for for the credit. Then they are claiming I was declined for the promotional offer and consented to that. What? I would have never applied for the card if I wasn't going to receive the offer! Isn't applying for the card consent? Never did I see ( or if it happened I didn't see it ) anything that said I wasn't eligible and consented to that! The entire process was super glitchy .... we lost our seats ( but were approved for the card! ) and had to go in a rebook... it was a mess! Then my statement comes out and no credit. No credit on my sister in law 's statement but my partner had a credit. It doesn't make any kind of sense. We all booked at the same time, same way, same issues. I don't understand how this offer can be made, I was approved the card and then not given the statement credit? For some nebulous reason? They couldn't even answer me that question... I asked for verbiage that they have about that and they couldn't provide it to me .... all this mumbo jumbo of " a lot of factors. '' What? It should be cut and dry, Apply for the card, get approved, make the purchase and get the the statement credit after purchasing the flight ( ours was {$1700.00} so you can see why {$300.00} off would be nice ). Had I known I would never have opened the card and used another card I had to get points, cash back, etc. They are still offering the promotion on the XXXX website. Our offer was for {$300.00} that ended on XX/XX/2023,,, that's why we booked because we wanted to get the discount and in case flights went up. I have looked at the terms ( and will attach here ) and I do not see any verbiage stating you may not be eligible for the offer. Nor did I ever receive any kind of letter or email from them after the fact telling me why I didn't receive the offer and why. Nothing. The time and effort we've wasted is unbelievable trying to get a straight answer. We did note some other people having same issues on a XXXX site. The entire process is deceptive in my mind. You are trying to book a flight get the offer then get re-routed to apply, then it glitches up, then we were approved for the card but not for the offer, at least that I could tell. XXXX is at fault too... I am sure they have no idea this is happening. I will probably live chat with them at some point but I believe this is an AmEx issue. I hope you can look into this and get some clarity for me and others.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Due to my corporate credit card, I am eligible for {$150.00} credit on the annual fee of my American express platinum credit card. I realized that the corporate card wasn't linked to my platinum card and have reached out multiple times via chat function in the American express app to get it linked and promised numerous times by the company it will get done. The following times I had a conversation : 1 ) XX/XX/23 : Requested for the {$150.00} credit and read terms and conditions and approved 2 ) XX/XX/23 : Followed up and told it should take 6 weeks 3 ) XX/XX/23 : Followed up again after 6 weeks and was told they don't see the update. The fact was alluded, the previous times I reached out it never went through by customer service. The update will be made manually. Terms and conditions were again asked to be approved. I was told 2-3 weeks will take place. As clearly stated, the customer service and AmEx team has completely failed. It has been almost three months asking for this update. I feel very disappointed how much annual fees I pay and service the company is providing.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A