Date Received: 2023-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act, the creditor American Express has Violated my Rights on this Account # XXXX 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 an account without my written consent. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason at all. American Express Reported alleged late payments to XXXX, XXXX and XXXX without notice & without written consent which is illegal.
Company Response:
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX I applied for the American Express, Delta sky, Miles flex perks account. The Delta sky club advisor told me I would get an incident response once I applied. I informed the sky club representative that I had a freeze on my credit report, and they advised to submit the application I didnt receive instant approval and the advisor told me to then remove my freeze and apply again. After reading the fine print of the card, it clearly stated do not apply. Multiple times Because I was ill advised I think American Express gave me the lowest limit based on my credit account being locked and froze This card is the only card that allows access to Delta sky club and has the additional promotional offers when you spend a certain amount within your first few months of having the card. It was also a referral from another American Express flex, perks card member. I didnt receive any approval letter electronically. I didnt know I was approved until the card came in the mail with an extremely low credit limit. My credit score is in the XXXX my income is very substantial without giving personal information. My credit limit is not in line with what American Express has given other consumers that have much lower credit, scores, and income levels. When I tried to call and speak to someone in the fair lending department, the American Express customer service rep could not get me over to anyone, and said my only option to increase my limit is to put in a request that was instantly denied. She then went on to explain her computer system did not allow her any options to get me to anyone physical to talk to. I asked her to file a complaint and the rep filed the complaint without understanding the full story or articulating my concern, so I was not listen to nor understood, nor was my problem solved. My complaint to this bureau is to point out unfair lending practices, bait and switch tactics, and any consumer should be able to speak with someone in the finance department or fair, lending department, when being excepted to have an American Express card. I also want to point out that I should be getting additional benefits because this was a referral from another card member but not only is my account not set up properly neither is the other cardmember Thirdly, with a low credit limit. Its impossible for me to get the promotional offers. If you have to spend {$6000.00} in a certain amount of time, but your credit limit will not allow you to meet those requirements that is also unfair and predatory in my opinion. It will also negatively impact my credit score by having such a low limit
Company Response:
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hi, I called American Express 6 weeks ago as I wanted to upgrade from gold to platinum and wanted to see if I was better off upgrading the gold through my husband 's account instead of opening a brand new card. We were informed that my husband qualified for an upgrade that it made sense as the platinum is brings a lot more benefits than the gold. We had the gold for over a year already and we were informed ( in the past ) to keep the gold for at least a year and then upgrade. I wanted to go over the points accumulated, fees and upgrade process as I was in the process of buying a car and property so touching my credit was not something I wanted to do. I asked multiple times if it was going to be an addition or an upgrade, I did not want to have Gold/Platinum as both come with a large annual fee and Platinum has the same benefits Gold has but better. I honestly asked probably over 20 times if it was going to affect my credit, transfer my XXXX reward points and regarding fee and the rep reassured multiple times " j that it was the " same account just an upgrade '' and better benefits to just get rid of the gold card as it no longer worked. He mentioned not being able to do the upgrade over the phone but explained how to do it online, pick the card and click upgrade and so I did. Few weeks after receiving the XXXX card I called to remove the XXXX from my online profile and was informed that it was no longer an active card as it was replaced by platinum. Few days later I realized that my wife still had the gold card on her profile and was charged with the annual fee of {$250.00} so I called Amex. The person from Amex advised me that it was an error to give a week or that he was opening and investigation to see why the error, but by the end of the week I called again as they did not called with an update.This time I was informed that I had 4 cards, 2 Platinum and 2 Gold and that they could not do much about it as it was already added. I requested it to be escalated and for someone to listen to all phone calls ( 7 or so ) from calling and multiple times explaining not being interested in another credit card but just an upgrade. Called again a week later but was told that the credit department and department that has access to phone calls were closed to call back Monday. I called back Monday but was told they could not help that it was another department. Requested a supervisor and supposedly she opened another investigation, but again, nothing was done. Furious I contacted a higher department and a lady named XXXX stated she was going to waive the XXXX $ fee for this year but nothing else was going to be done. Requested for her to listen to phone calls and escalate and was informed there was no other escalation but, she was going to gather some info regarding the phone calls and contact me in a week. I just got a phone call from her explaining that I opened the new Platinum online and Amex could not do anything. The time I called for the upgrade, the amex rep that told me I had an invitation to upgrade, informed me he could not do the upgrade himself to go online under credit card and click upgrade ... .and that's what I did. XXXX mentioned that she was sending an email with documents to sign for release of conversations, never received the email, XXXX never waived the {$250.00} instead had another AMEX rep called and informed that the only way to get it waived was by closing the credit card in the next few days. I called the next day as XXXX never followed up and was told that she no longer works in that department. I emailed XXXX XXXX and he emailed me back that someone was going to contact me the following day, no one called nor emailed.I also emailed XXXX XXXX but he never replied. I need this to be fixed as I repeated multiple times not wanting a new account nor credit card and now my credit score has changed, I had to put my purchasing plan on hold due to credit issues caused by Amex irresponsibility and they are not willing to assist. I need this to be fixed as I never said I wanted to add another account and I made sure to get information from the person that was supposed to help me and give me the right information, AMEX customer service. American Express just created a disaster and now wants nothing stating they can not do anything that is already done. This is causing major anxiety and even XXXX as I make sure to take care of my finances and credit all the time. I did not request any of this and now they are literally saying I did it and have to deal with it. I also emailed XXXX XXXX XXXX, Global Consumer XXXX XXXX XXXX XXXX and XXXX 's office with no luck. ( XXXX ) I have attached what I am able to share, I do have voicemails and conversations that I decided to record as I was not getting anywhere.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: American Express has pull my credit report and place two hard inquiries on my XXXX credit report and then approved me for credit card then canceled it within mins with business plum card and told me I had a previous card with them which I didnt apply it was due to disputes abuse but I never applied for XXXX XXXX card or used it and they didnt give me the option to filed a police report and keep sending me harrasing letters to my address They wont remove the credit inquiry They wont restore my access to my plum credit card I didnt not apply for any previous American Express cards and I will be getting these old accounts removed off my credit reports
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called AmEx on XX/XX/ to request credit for interest charges I incurred unintentionally. XXXX told me that the companys policy was to credit back only one interest charge in a 12 month period. Without further consulting me, XXXX proceeded to tell me my account would be credited {$46.00}. This was deceptive and unfair for at least 2 reasons. First, AmEx broke down and stacked interest charges, even within a single month, so that its one time only policy actually doesnt even cover a full months interest charge. So, even though I was calling to request credit for {$160.00} in interest, I will apparently only be getting a little more than 25 % of that amount back. Indeed, on my most recent statement ( covering XX/XX/XXXX to XX/XX/XXXX ), the total interest charges ( there are no penalties ) are {$98.00}, but AmEx broke that amount into two charges, both debited on the same day ( XX/XX/ ), and then promised only to credit me an amount equal to one of those charges ( {$46.00} ). When I asked why AmEx had broken interest charges up within a single day, XXXX could not provide an explanation, nor does one appear on my credit card statement. By breaking up and stacking interest charges, AmEx avoids having to actually honor in full its supposed policy of crediting its customer for a single interest charge. Instead, its actual ( but inaccurately described ) policy is to credit only a portion of a single interest charge. I think AmEx should acknowledge that its policy is deceptive and unfair and credit me the full {$160.00} in interest. Second, AmEx implements its deceptive policy so as to minimize its refund to its customer and maximize the charges its customer pays. As noted above, by breaking apart and stacking interest charges, AmEx avoids having actually to honor its announced refund policy. It goes even further by selecting the lowest interest charge to refund, rather than selecting the greatest charge or allowing its customer to choose. Thus, on my call with XXXX, AmEx unilaterally chose to credit the lesser of the two interest charges it stacked and debited on XX/XX/23. That is, rather than crediting me the larger interest charge debited on that date ( {$51.00} ), AmEx unilaterally debited the smaller interest charge it broke out and debited on that date ( {$46.00} ). When I asked XXXX to debit the highest interest charge amount ( {$53.00}, debited on XX/XX/23 ), he refused, saying the system would not allow him to do that. AmEx is implementing its policy dishonestly and in a manner designed to take advantage of consumers.
Company Response:
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Attempting to collect a debt from accounts that I never opened have never paid a single time and know nothing about. They are really old and they keep renewing the collection even though I have attempted to contact them and explain that it was not me and how it couldn't have been me. I don't think they looked into it at all because they thought that I would pay it just to get rid of it. There's no way I will pay a debt that is not mine. I take care of the ones I do owe and that's enough for me.
Company Response:
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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 have been disputing since XXXXthey have not reviewed documents sent from merchant. The dates listed on gift vouchers are for hotel supplies and were made on dates we were not in country..and if they would go back to when I first reported I have never said anything about gift cards. Why would we go to XXXX XXXX and spend {$17000.00} on gift cards to purchase hotel cleaning supples on dates we were not there and do not match the date I reported??? The merchant is falsifying receipts not to mention we never received the goods they claim we purchased. I have sent 2 police reports and still nothing. Help!!
Company Response:
State: IL
Zip: 61701
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Since XXXX I have been going back and forth with American Express to waive the annual fee for XXXX. ( XXXX XXXX service member ) {$700.00} annual fee Multiple times they have enter the incorrect request such as XXXX. They keep apologizing and stated that the correct request is put in now and I need to wait an additional 60 days. I have been going through this with them for almost 120 days and they are unable to provide any update or escalation. Meanwhile the interest charges keep accumulating. I find this to be a dis service for military considering it was there mistake in the first place and I'm left clueless and noone has any answers. I have sent them my military order, ID, and XXXX letter showing that I am XXXX XXXX and they still keep my status PENDING and have not waive the annual fee.
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Was A Victim Of XXXX
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: American express has not produced any supporting transcript of where I confirmed a consent of hard credit check. During the call I clearly mentioned with the agent that no credit check should happen and I was told in the call of XXXX XXXX that no credit check will happen but the agent accidently took a wrong application and did a credit check. I subsequently followed up with another agent on XXXX XXXX to ensure that the hard inquiry be removed and AMEX agent stated on record that it will be removed. It is submitted that the Agent who said that hard inquiry will be removed was AMEX employee and had authority to communicate that decision and subsequently that decision was not followed. Thirdly XXXX laws allow me to record call if I have consent of XXXX party and I am party to my own call and have consented to record my call. Yesterday I was on call with Amex and told them that I was recording the call because they are recording the call at AMEX, AMEX stated that I can not record the call. I told them that texas laws allow me to record the call with my consent. I told AMEX rep that they need to stop recording and I will also stop recording but AMEX rep said that they can't stop recording but I am the one who have to stop recording. I strongly oppose these tactics of AMEX to be a bully and not allow equal means for both parties to record and not stop recording at their end when customers ask them to stop recording. This requires review by regulators and probably requires judicial review as consumer has no way to prove what was communicated if AMEX doesn't want to fix their own mischeif.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A