Date Received: 2023-04-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX Amex ... ..Delta skymiles XXXX XXXX I was a regular AMEX XXXX customer for several years paying my accounts monthly on time. I received a note saying my card was going be non renewed or canceled because I disputed several small charges which were within my rights regarding XXXX cancellation charges for {$5.00} or less which XXXX reversed with no problem. Despite this, apparently because it was not profitable to Amex they canceled my card. This is outrageous abusive conduct. They added on needless charges to spite me. Incredibly enough, a senior regional manager from their Florida center said they were dumbfounded why the card was cancelled as I was an excellent customer. This appeared to be a power play by some lower-level individual. Even worse, they submitted an adverse credit report regarding me to the credit bureaus adversely affecting my credit scores. The only way to deal with such abusive conduct is to investigate and severely discipline them.
Company Response:
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I have had a Bluebird by American Express for a number of years. It isnt where my paycheck is deposited, but a large sum of money was deposited from a settlement in XX/XX/2023, because it was on record from my employer. There initially was no issues, and I made one transaction in XXXX, and one in XXXX that was within the card limits on their website. On XX/XX/2023 I received an email that stated my card was permanently closed, and my account access was locked along with any access to records. They wouldnt tell me why and now refuse to answer any phone calls or messages. They would not tell me if or how I can receive my remaining balance of over {$35000.00} ( I dont know the exact dollar amount since they removed any access to records. Its very scary not knowing how or if I will be able to get that money I depend on.
Company Response:
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had an American Express XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed. Upon completion of payments, it was agreed that I would regain membership, I had to speak to the CEO of the company via written request because after completing the paper application I never got the membership. After months of correspondence, I am no longer interested in the offer to what was given however I would like to have my status updated with each bureau. It is currently states as " Paid, Charge-Off '', if I understand correctly, Charge Off means " the lender or creditor has written the account off as a loss, and the account is closed to future charges ''. This is not the case because I have in fact Paid this account in it's entirety therefore there was no loss. I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed as it affects my ability to grow with other lenders.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XX/XX/2023, you contacted American Express to inquire about increasing your credit limit. After a lengthy conversation, you decided not to go through with the increase due to the complexity of the process. However, 14 days later, American Express sent you the necessary documents to increase your credit limit, which you did not submit. Despite this, American Express still processed the credit limit increase, which resulted in a change to your credit card number and a decrease in your credit limit. You are now concerned about several issues : -The new credit card number that you did not request, and whether any charges on this card belong to your old card. -The fact that your old card is now unusable, despite American Express stating that it would still work. - The unreasonably low credit limit by the fact I never use it. If any of this information is incorrect, please let me know and I will be happy to clarify.
Company Response:
State: SC
Zip: 29205
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were fraudulent charges when I last called American Express to XXXX. I contacted the fraud department last on XX/XX/XXXX. My credit card information was hacked as was my XXXX account with the credit card connected to it. Several more charges continued after XX/XX/XXXX. A separate credit card was sent to me and the fraudulent charges still followed me and negatively affected my credit score report. After the next time I called, American Express said I didnt pay the credit card membership fee and I had already paid it for the original card. It was against their policies to open a new account without my verification. Atonement still occurred. The transactions do not pertain to my diligent accounts as a cardholder as I paid off my credit card in timely matters before the fraudulent charges.
Company Response:
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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 was hired by a company out of XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX. They were registered in the state of New York and at XXXX I had applied for easily XXXX jobs and had been turned down for all of them. XXXX XXXX XXXX hired me and I desperately needed the job and money. They sent me a formal packet of information totaling some 20 pages of information about the company and the benefits the job etcetera. It all looked very genuine I filled out a payroll form, provided my tax ID number so I could be paid and thought all was well. During the first two weeks I was on a trial basis, and I had to purchase the items which was my job using my own credit cards, per my contract with XXXX XXXX XXXX, where XXXX XXXX XXXX XXXX wrote 3 checks to American Express to fund the purchases. Therefore, they had my credit card numbers and my Social Security number. They sent three checks totaling {$150000.00} to American Express the last one being supposedly for my salary, expenses, goods purchased and shipped, bonuses and commissions. I specifically requested that they send the check for my salary and bonus to me but instead they sent it to American Express who received it on XX/XX/XXXX. They sent it to one of my credit cards which created a credit balance equal to the amount of the check of {$52000.00}. I was starting to get bad feelings about this organization so I changed my credit card numbers and closed this account and onXXXX other. Before I did that however I verified on numerous occasions that American Express had collected the funds and that they were good. I then closed my account and American Express sent me a check for the credit balance XXXX. I received the check around the XXXX of XXXX and put it in my account as it was to be my pay. On XX/XX/XXXX American Express sent me an email saying the check was dishonored and American Express then proceeds to start coming after me for the money, negatively impacting my pristine credit report and refusing to do what they should have done which is return the item to the bank and get the money from my former employer who are the ones that owed it not me. I have hundreds of documents relative to this situation but American Express refuses to # 1 return the item and do what they should do which is credit my account that they assigned to me and # 2 quit negatively impacting my credit report and saying that I am delinquent when in fact I do not owe them the money. They are killing my good credit that I spent XXXX to 40 years building up. That's the short version of what happened. I want American Express to act like a big bank and return the items that were charged to my account as they are totally unauthorized as I had nothing to do with sending the original checks nor returning the items to be charged against me account after 23, 32 days., and 3.5 months later respectively. Also, I have requested of American Express to send me copies of the complete checks the three items that they received from the people perpetrating the fraud so that I could pursue them or give it to the authorities to do so and they have refused to do it. Instead what they have literally done is joined in perpetrating the fraud on me by preventing me from having the information I need to find these people and then telling me to t talk to them and get them to send American Express the money, that is ridiculous. The phone numbers and the address of their business were legitimate when I checked them out however they are of no use now. They had bank accounts where they issued the checks from to American Express and who should be accountable for those checks and that is who needs to be dealing with this not me. I was a loyal card holder of American Express for over 15 years and I thought they would do the right thing but they have not yet done the right thing which is to charge back the items to the banks that dishonored them, the fraudsters. I have spent literally XXXX hours on the phone or on my computer dealing with AMEX and have gotten nowhere. I have even contacted the executives and I've been ignored. This is all the money I have, I can not lose it.
Company Response:
State: WI
Zip: 53589
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: They cancelled by card without my permission. Hung up the phone on me. Supervisor refused to speak to me
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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 was a victim of identity theft and fraud. In XXXX of XXXX, somebody opened an American Express credit card with my name, address, and social security number. Due to Amex 's incompetence, laziness, and disorganization this matter is still unresolved. Furthermore, Amex knowingly reported false information to the three credit bureaus : XXXX, XXXX, and XXXX. They made these false reports to the credit bureaus five months after I reported the fraud to Amex and the account was closed. They lied by saying there were 3 " late payments '' and by doing so I have incurred damage to my credit score. My credit score went from XXXX to XXXX due to this false reporting and will only get worse if they don't stop. Amex knew the account was fraudulent, spoke with me over 5 different occasions about the fraud, knew not ONE payment was ever received from anybody!, and yet reported it anyway. Most absurd, they advised me to NOT report it to XXXX because they would take care of this issue " in house ''. I have phone records of every time I called them to tell them I was still getting letters and statements and every time I called them they had no record of my previous calls, couldn't find my case number ( which I always asked for after every call ), and I would have to start from scratch and explain the whole thing over again. Each time, they would tell me NOT to report to the XXXX. Meanwhile, Amex was doing nothing about it and decided to report it. I am attaching the following evidence : XXXX : These are all the letters that we have received from Amex Month_Year_statement attachments : ( 7 files ) These are images of the statements sent to us spanning from XX/XX/XXXX to XX/XX/XXXX XXXX This is an XXXX workbook containing summary reporting and observations that we have made and contains the following tabs : Log of Account Statements Log of fraudulent charges from the XX/XX/XXXX Statement letter ( Closing dates on this statement is XX/XX/XXXX ) with charges made in XX/XX/XXXX A log of the letters received A log of phone calls held ( both received and made ) Some of these details are not great as we were not keeping the best notes at this point in this case. Some observations regarding the attached : Account Statements : This log shows that several letters were sent recording fraudulent payments that were rejected by whatever financial institution they were made with. i. What financial institution ( s ) were involved in these transactions? XXXX XXXX XXXX XXXX card was cancelled. i. Who contacted Amex to request this card be added? Was it done online or phone? IS there any receipt/proof of this request? Is that avenue being researched? As stated above, I called and alerted Amex of the fraud on XX/XX/XXXX I have a phone log from XXXX to back that up. Fraudulent charges to the account ( s ) in question stopped after I called and AMEX locked the account ( s ). If I were engaged in criminal behavior, why would I alert the company of my activities? Amex would have incurred more loses if I had not called. The Statement log shows that there were two separate account numbers involved in this case : i. The XXXX Statement shows account ending in XXXX but the other Accounts on other statements end in XXXX Has this been pursued? Why are there different account numbers here? ii. The XXXX statement ( Closing date XX/XX/XXXX ) shows a list of charges in many locations. An airline ticket was purchased for a XXXX XXXX XXXX Given the stringent requirements for airline travel, has AMEX contacted XXXX for verification? Drivers License or Passport used? Did someone actually fly on this trip? Was any of this evidence investigated by AMEX 's fraud department? iii. The XXXX XXXX shows record of payments being sent and then rejected. Where did these payments come from? One payment mentions it is on online payment. How did the routing number/account number get accepted in the first place? Phone Log Again, this document is not 100 % accurate as I was not keeping great notes at this point ( didnt think I needed to ) Call-outs : Please note that I HAVE been cooperating with Amex as you can see by the number of times I've called. I have XXXX phone records of these calls and their duration. On that document are employee names and numbers ( where available ) plus File Numbers and Case Reference numbers that representatives have provided. Also, I am providing the police report and my report to XXXX Finally, it is my opinion that Amex has deliberately falsified information about me to the credit bureaus and engaged in harassment when a person named XXXX XXXX from Amex 's " legal department '' cold-called me twice ( XXXX XXXX and again in XX/XX/XXXX ) to accuse and harass me for unpaid monies. I am doing everything I can to expunge this fraudulent account from my credit record, but I would also like Amex to be investigated for shoddy practices and unprofessional behavior.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My last 3 late payments occurred over 7 years ago and I noticed that its still affecting my scores. Please try to remove them due to the age. Ive waited for them to drop off. Thanks
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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: On XX/XX/XXXX, I used my AMEX credit card at an ATM to withdraw funds, however- the ATM failed to dispense funds and my account was subsequently debited. On XX/XX/XXXX, I called the bank and filed two disputes in the amounts of {$840.00} ( XXXX ) and {$520.00} ( XXXX ). The representative assured me that I will not be responsible for paying back the funds because it is under investigation. Fast forward, I have yet to receive any credit for the two disputes I filed, and it's been 3 weeks now. Moreover, my balance on my account still reflects the two withdrawals, even though I was told by multiple representatives ( including a manager ) that I do not have to pay anything back. I don't understand why I haven't received any credits on my account after waiting this long. I've been a customer for 3 plus years, I pay my balance every month, yet I can't receive a refund for my disputes until the investigation is concluded. From my experience, banks typically provid a provisional credit ( AMEX has done so before on disputes for my account ) until the investigation is done, then they either reverse it or make it permanent. To date- I have not gotten any written correspondence from AMEX regarding the status of my dispute or a refund for either amount. Every time I call I get the same scripted response, but no real resolution. I need my money!
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A