Date Received: 2023-04-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: American Express debt collectors spoof numbers from my recent phone calls. I answer the call because it looked like it came from my friend that I have just spoken with. When I answer, I am directed to a phone dialing XXXX. I know I owe AMEX ; however, how can the debt collectors spoof the numbers of my friends to get me to answer the call? Is this legal?
Company Response:
State: PA
Zip: 19464
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Amex reported late payments on XXXX credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with Amex rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Company Response:
State: NJ
Zip: 08854
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: Confusing or missing disclosures
Subissue:
Consumer Complaint: Dears at Consumer Financial Protection Bureau, greeting On or around XXXX XXXX I contacted CEO American Express to process my judgement XXXX, then I contacted him 3 times later I never received any reply So far, please contact XXXX XXXX XXXX American express CEO For me, thank you for your help,
Company Response:
State: CA
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I placed a transaction with my XXXX XXXX XXXX on XX/XX/2023 for the amount of {$4000.00}. I received an empty box with the merchant and tried to resolve it with the merchant. I also filed a police report regarding only receiving an empty box for my order. I proceeded to dispute the transaction with American Express. Initially, American Express closed the dispute in my favor after about one month. However, the merchant submitted tracking saying it was delivered and the bank re-opened the dispute and sided with the merchant. I don't understand how proof of delivery was enough to overturn the decision in the merchant 's favor when I was disputing that I received an empty box, not that I never received it. I submitted the empty box I received, a signed letter stating I received an empty box, and if needed, I can also submit the police report stating that I received an empty box from the merchant.
Company Response:
State: CA
Zip: 90806
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: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XXXX XXXX XXXX is pursuing me legally out of state after I have already coordinated a settlement payment with their organization ( for a previous account back in XXXX and for the account they are suing me for in XXXX in XXXX, and I XXXX XXXX XXXX XXXX XXXX. To give the full scope of the situation, my unfortunate circumstance starts in XXXX. XXXX XXXX XXXX first sued me in XXXX XXXX in XXXX for debt owed to American Express. At that time, I was currently working with a XXXX XXXX XXXX called National XXXX XXXX. I worked with XXXX XXXX XXXX from XXXX thru XXXX and they settled 0 of my debt and I cut ties with them so I could work with XXXX XXXX XXXX and other creditors directly, and coordinated monthly payments to resolve my debt with American Express through XXXX XXXX XXXX in fall of XXXX. I have successfully paid off several accounts now with different creditors, slowly making things right, which I am proud of that progress. When I was setting up my payments with XXXX XXXX XXXX in XXXX, they let me know that there was a second American Express account that they were also pursuing collections for. I told them that I could only afford the one monthly payment, and I was told they would reach out to me after my payments were completed for the first account to schedule payments for the second account. I completed my payments, and made good on the debt owed on the first account in fall of XXXX. My mother, who XXXX XXXX XXXX, received a letter last week in the mail with information tied to a recent filing ( XXXX ) from XXXX XXXX XXXX against me. She thought it was a scam. For color, I was XXXX XXXX XXXX, but I moved out of the state in XXXX. I XXXX XXXX XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When she sent me a photo of the letter ( it was a marketing letter from another law firm offering to represent me in the case ) I immediately called XXXX XXXX XXXX on XXXX XXXX and set up a settlement payment for the second account. I explained to them how upset I was that they never reached out to schedule payments for the second account and instead sued me, and in addition to taking unnecessary legal action against me, they sued me in a state that I haven't lived in for nearly a decade. I wanted to coordinate a lump sum payment, but instead set up monthly payments ( with the first payment already debiting on XXXX for {$600.00} ) until I was able to secure a settlement amount. I called XXXX XXXX XXXX this morning with my lump sum settlement offer and they accepted. No more than 20 minutes later, my mother ( XXXX XXXX XXXX XXXX ), was served legal documents today XX/XX/XXXX in XXXX regarding this issue. The person who was serving my mother the legal documents directed towards me ( Me - someone who lives several thousands of miles away in XXXX XXXX ) told my mother I needed to be in court in XXXX XXXX XXXX XXXX. This all came after I had spoken to XXXX XXXX XXXX last week and today and scheduled a payment to settlement the debt in full for the second account. So now I have not only scheduled a settlement payment for the second account, but I am being sued quite literally across the country. When I called the XXXX XXXX XXXX back today ( several times ), they kept telling me they weren't lawyers and couldn't discuss the case, blamed the reason they were pursuing me legally in XXXX because of my relationship with XXXX XXXX XXXX XXXX a service I stopped using in XXXX quite literally so I could set up payments directly with XXXX XXXX XXXX. When they provided me a phone number to the law offices in XXXX, no one picked up the phone. After several hours with them on the phone today, being given the same run around answers and victim blaming responses, someone from XXXX XXXXXXXX XXXX called me back and apologized, but I have received nothing in writing that I am no longer being pursued legally, so I have to assume that they are still coming after me legally and are betting on a default judgement because I live out of state. I fail to understand why they would pursue legal action against me in a different state when I was cooperative with the first account 's payments in the state that I am currently living in. Their tactics are predatory, aggressive, and confusing. I want to settle this account and be done. The Florida law suit is frivolous and unnecessary. I shouldn't have to travel across the country to settle something I already settled over the phone by giving my account and routing number and scheduling a settlement payment. I am saddened that American Express approves of these types of tactics to collect debt, especially against someone who was cooperative in the past. The only times I could not set up payment before XXXX was due to literally being out of work and without any means to repay.
Company Response:
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Trying to collect a debt after cease and desist notice, debt is part of an ongoing bankruptcy/ fraud trial and they have the case number.
Company Response:
State: CA
Zip: 950XX
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: 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 made a purchase for goods and services on XX/XX/XXXX in the amount of {$1700.00} from a company called XXXX XXXX ( XXXX Soles ) with my American Express Platinum card ending in XXXX. I did not receive the goods and or services from the company as promised and filed a dispute with American Express on XX/XX/XXXX. On the next day, my dispute was closed and the reason given was because I did not dispute the charge within 60 days after the purchase. I immediately contacted American Express and they reopened the case and I submitted multiple documents. The very next day on XX/XX/XXXX, the dispute was closed for the exact same reason. I again, reopened the dispute, this time online and then called in on XX/XX/XXXX because American Express needed more information. I provided the needed information and later on in the day, I received a message that the dispute was closed for the same 60 day reason again. I tried speaking to American Express 's online chat and did not get anywhere. They refuse to investigate the dispute. I have disputed a charge that was XXXX months past the date of the inititial charge and American Express investigated it and credited my account after they completed the invesigation. For unknown reasons, they will not with this merchant and can not explain why.
Company Response:
State: CA
Zip: 95133
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: Overcharged for something you did purchase with the card
Consumer Complaint: To whom it may concern, I am writing to ask for your help. Back on XX/XX/2023, I purchased tickets from an online service - XXXX When I agreed to the purchase, I agreed to pay a little less than {$3800.00} ( US dollars ). They were 6 tickets from XXXX XXXX to XXXX, Florida. A couple of hours later, I got the confirmation email, and to my surprise- I was charged {$7500.00} ( US dollars ). Later I got an email from XXXX saying that I was being refunded {$290.00}. Immediately, I called XXXX to express my concern Their reply was promptly There is nothing we can do about it, you did not purchase insurance for your tickets The price is what you received on your confirmation email. Because I did not have any help from XXXX I called American Express to STOP PAYMENT and claim for a fraudulent use of my credit card. The case # XXXX opened. The person I spoke to at American Express told me There is nothing to worry about, This happens all the time, we will cancel and stop your payment. I was advised to disregard my tickets ( and not use them ). I have had my American Express for over 50 years, I always felt they had my back I never had an issue with a payment or any incidents of fraudulent activity. I always fully trusted, what ever I was told by their associates. I was told to give 2 weeks for things to process So I called back when I was told The payment had CLEARED and they told me that unfortunately there was nothing they could do. Basically, this new customer relations assistant ( at American Express ) told me that the person who advised me in my first call gave me the wrong information. I ended up purchasing NEW tickets for my vacation! I have been on many calls with American Express since this happened, I have asked them to check on the recorded conversations that I have had and every time I hear the same story. You are absolutely right let me put in a new claim. Give us a couple of weeks and it will be resolved The 10-14 days go by and I get the same email There is nothing we can do. What I do not understand is that I called to ask for an IMMEDIATE STOP PAYMENT ( less than 24 hours after the incident ) because I realized that I had been a victim of fraudulent activity. And now no one seems to be responsible, when I was advised by someone in their own team to take the actions I took. Otherwise, I wouldve at least used the tickets istead of purchasing new ones!! I hope this email explains my situation well enough, but I am available any time for further clarification. Looking forward to hearing back from you. Regards, XXXX XXXX
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: this is amexgiftcard, The amount is {$860.00} The gift card was used normally before, but it was locked directly after the merchant refunded and can no longer be used. card number XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11356
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: 2023-04-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: After successfully referring a friend to open an American Express Blue Cash Everyday card ( from my account ending in XXXX ), I was informed on XXXX XX/XX/XXXX that I had earned XXXX reward dollars, as expected. It is now XX/XX/XXXX and despite having spoken to customer services several times over the past two months - who agreed I was owed XXXX and assured they were working on it - I have still yet to receive the credit.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A