Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2023 2023
Company Response:
State: NJ
Zip: 08105
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2023, I ordered furniture from XXXX, my order glitched and somehow duplicated itself, making a double order for the one product. I reached out to XXXX via the app to request a cancellation on the faulty order. Instead of a cancellation, the order was shipped out to me, against my will, since I had previously tried to cancel the order, the next day on XX/XX/2023. The package arrived and I requested a return through the XXXX app. On the XXXX of XXXX. XXXX XXXXXXXX came to return the item, but it had no XXXX label. I was told that they couldnt ship the product back without a XXXX label. The product did in fact have the label present for the third party seller. I spoke with XXXX again, letting them know that there was a label for the third party seller and she satiated that they would come back out and pick it up. They came out on the XXXX of XXXX and got the unopened extra package. The lady from XXXX XXXX sent me screen shots and information regarding the tracking and delivery of the package. It was an 86 lb, rustic brown dining room set item # XXXX The package was delivered to the third party, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX on XX/XX/2023. I then called XXXX XXXX XXXX to clarify that the item was delivered. It was confirmed by an employee that the item had been delivered safely and that my refund would be posted to my card in 10 business days. She gave me the date of XX/XX/2023 as my refund date. Once that date arrived and there was no refund, I called and spoke to someone else, exact same thing happened, except this time I was told that my refund would be sent to my card in 24 hours, which never happened. After calling and being lied to and deceived for another week, I filed a dispute with my cardholder ( American Express Serve ) XX/XX/2023 whom claims to have done a dispute investigation, but in the favor of the merchant, who has their product and my money, which isnt right. So i asked to be sent a copy of the investigation documents that supported their decision and I have yet again not received any information. I am writing this complaint because this situation is causing me extreme mental anguish. I have been working with these companies to the best of my ability to get my money back and its like no one is taking this serious.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Good afternoon. My name is XXXX XXXX XXXX. I am writing to submit a complaint on American Express and XXXX XXXX XXXX. My father, XXXX XXXX was the actual owner of the account. I was the authorized user. No a joint account holder, an authorized user. My father passed away on XX/XX/XXXX. Shortly there after, American Express contacted me and forced me into taking over my father 's account. I never signed anything, but they made me feel worried and scared, obligated to take over my father 's account. Nevertheless, I took over the American Express account and I would make my normal monthly payments. I attended school at XXXX XXXX XXXX and graduated in XXXX. Then in XXXX, XXXX of XXXX to be exact, I had a XXXX XXXX XXXX which caused me to be out of work for sometime. Due to that XXXX I feel behind on my payments. I tried to get current on this account but I was unable to. I gave up on this account because I felt like I was drowing in a glass of water. To make a long story short, American Express decided to sue me through XXXX and XXXX. The amount of stress and XXXX that this case has caused me has been enormous. Beginning with that I have had to begin taking four different types of XXXX XXXX and XXXX XXXX. XXXX and XXXX have me listed as the primary account holder. When I tell them the actual issue, they say they are unaware of anything. I am submitting the emails that I received and the emails forwarded to XXXX and XXXX. I am asking you to please assist me. I can not pay on this account and now I am being forced into declaring XXXX XXXX XXXX.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my card off in XX/XX/XXXX with American Express XXXX XXXX & had them close the account. I was assured account was closed & I wouldn't recieve anymore charges but in XX/XX/XXXX I was sent a message stating I owed {$40.00}, called the company & they verified that the account was closed but they wouldn't take off the fees that they caused. I was told in XXXX the amount I owed & paid it that day. There should have not been any other fees attached but still charged me fees. I tried to get the fees dismissed but they wouldn't which lead to a confortation due to my frustration with this company & their unwillling to remove the charges. I was forced to pay the amount because they ruined my credit.
Company Response:
State: OK
Zip: 736XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX I opened my Kabbage Business Checking account. I made my first three deposits on XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$5000.00} ), and XX/XX/XXXX ( {$5000.00} ). I made these deposits online before receiving my checking debit card from Kabbage. According to USPS, my Kabbage debit card was delivered in the mail around XX/XX/XXXX. I did not have a chance to activate my card before it was stolen. On XX/XX/XXXX, at XXXX XXXX, I received an email from Kabbage confirming a recent request to set or change my Kabbage debit card PIN. Since I had not yet tried to activate my card or set a PIN, I was confused and unsure if the email was sent by mistake or not. The email prompted me to take action to contact Kabbage right away. At XXXX XXXX, I sent an email to the instructed Kabbage email address clearly stating that this PIN set/change request was not made by me. From XXXX, unbeknownst to me, there was a series of fraudulent transactions on my card, which I had not yet activated. Whoever stole the card was able to activate the card and set a PIN pretending to be me. All of the fraudulent transactions took place in the cities of XXXX XXXX, XXXX XXXX, and XXXX, CA, which are about XXXX miles east of where I live ( XXXX XXXX, CA ). I have personally never traveled to any of the cities where the fraudulent transactions took place. On Tuesday XX/XX/XXXX, I logged into my Kabbage account to find my account completely drained of my initial deposits and the interest they had accumulated - {$10000.00} to be exact ( leaving behind only {$0.00} ). I immediately checked my home and belongings for the card and saw that it was nowhere to be found. I called Kabbage to report the fraud, but it was outside of their customer service phone hours. At XXXX XXXX, I sent an email to Kabbage notifying them of the fraud. I then went to my local police station and waited in line to file a police report at XXXX XXXX. I did not hear back from Kabbage, so I called their customer service line the following morning on XX/XX/XXXX and filed a dispute case. I received two letters from Kabbage dated XX/XX/XXXX - one that granted {$310.00} of the dispute case ( non-PIN-based transactions ), and another that denied the remaining {$9700.00} of the dispute case ( PIN-based transactions ). I refiled the denied dispute case on XX/XX/XXXX and mailed Kabbage supplemental information regarding my case. I also requested supplemental documentation that Kabbage used in making their denial decision. In a letter dated XX/XX/XXXX, Kabbage sent me documentation that included a series of false claims in their " rationale of decision, '' including that I had failed to contact customer service and report a fraud scenario, and that my account was funded by a small business loan neither of which is true. Their " rationale of decision '' also included several claims relating to the PIN and card activation, though I had made abundantly clear that I did not activate the card nor set a PIN prior to it being stolen. Based on the rationale information they gave me, I refiled the dispute case on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each time submitting supporting documentation. I received denials from Kabbage each subsequent time. I would also like to note that Kabbage has made conflicting reports on my case status along the way. For example, on XX/XX/XXXX, I spoke to a customer service representative in the dispute department who told me that my dispute case had been granted, citing a letter they saw on their end dated XX/XX/XXXX claiming such, and that Kabbage would be crediting my account for {$9800.00} within 30 days. However, I later received a letter dated XX/XX/XXXX in the mail from Kabbage, again denying to grant my dispute case. To this date, Kabbage has refused to grant my dispute case for the remaining {$9700.00} of the initial {$10000.00} that was stolen from my account, which I reported within 10 days of the fraudulent transactions occurring. As for a witness to this series of events, you may contact XXXX XXXX ( XXXX ) XXXX. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have bought many prepaid gift cards from American Express ( over 30 in the last decade ). I never had an issue with them until recently when XXXX of the cards I tried to use had a {$0.00} and {$3.00} balance when they each should have had {$300.00}. Because they were bought over a year ago ( but not attempted to be used until recently ) the credit card company whose credit card I used to pay for the prepaid cards said they could not help me in filing a dispute. When I called the American Express gift card customer service, they told me they could not help. They said to contact the merchants where the cards were used. I told them that I could not do so because I did not make the purchases that drained these XXXX cards and so I dont know who the merchants are. All I know is that whoever stole the card numbers and made the fraudulent purchases did so online because I had the physical cards with me and had never lost them at any point. They said there is nothing they could do. I tried twice more to talk to XXXX other customer service agents in case someone perhaps with more customer service experience knew how to go about solving this fraud case but no one was helpful or even sympathetic. I dont understand how in good conscience American Express can say that it is my problem to try and fix this when they are the ones that sold me cards with compromised numbers that didnt deliver the amount that I had paid for fair and square. You can not pocket my money and then turn around and essentially tell me that you didnt do a good enough job to keep the product safe but that is somehow now my problem. It is not and it should never have been.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: We have been a business American Express XXXX XXXX for 17 yrs ( never a missed business payment ever ). They extended a business line of credit thru a failed division called kabbage. All payment have been made on time ( I requested 3 weeks ago for a 3 week ext. and then payment in full prior to a 30 day mark ) They agreed and then in the process of taking payment they shut down the platinum business card that we have had for 17 yrs ( we have dozens and dozens of vendors that have auto pay going thru that account-this has created a real mess. Items they should be held accountable for : Deceptive business practices Making false marketing statements Fraud Sweeping payments without authorization Failure o follow he XXXX XXXX XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
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: American Express has sold out to the Merchants! Beware as they are no longer protecting the cardholders!!!! They used to be Great! Im a senior with a serious XXXX XXXX and this situation where the dentist is trying to keep my deposit is very stressful and wrong. Seems American Express is helping him steal my money .My friend works for the XXXX XXXX and will be submitting my story to be published so that people are aware how American Express has changed and deteriorated. I have been defrauded by a Dentist and for five months they have done nothing except are trying to charge me back for services never received and Ive already paid super inflated charges by a fraudulent Dentist for the couple of services he did. They have evidence from 2 Reports from 2 reputable dentists and Amex is ignoring it. Amex has now outsourced the Dispute dept and its a disaster. You end up talking to twenty different people who dont understand and can do nothing! On top of it My cardholder agreement gives me the right to Dispute a charge but they are denying me this right which is illegal a lawyer told me!! On top of it this nightmare been going on since XX/XX/2022 almost 5 months. My lawyer wants me to sue them. Consumer Financial Protection needs to investigate their unethical tactics and my breach of contract by Amex for not allowing me my right to Dispute. I have it recorded as they denied me 5 times even though they know its in my agreement. They have forgotten who pays them as Ive been an excellent customer of Amex over 32 years and have received no appreciation or loyalty from them. They sold out as I guess they figure there is more money siding with fraudulent Merchants. You can publish this.
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Per the American Express National Bank website, I submitted a form to close two CDs early on XX/XX/2023 and was informed that it could take up to 13 business days to complete the request. It is past the 13 days and I still do not have access to my money. I have tried contacting customer service XXXX repeatedly regarding this request and have no answers. I'm not sure what is going on but I just want my own money.
Company Response:
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed my payment of {$1200.00} to American Express on XX/XX/2023 and they have failed to apply the payment to my account. I also included instructions for the CFO to apply the principals balance to the principals account each cycle for set off. In addition, I provided my notarized Power of Attorney, granting me the capacity to act as the agent on behalf of the principals account. They did not honor my financial instrument/conditional payment, proceeded to request additional payments from me, and have taken the adverse action of pausing my spending. On XX/XX/2023 an American Express executive assistant, XXXX XXXX, responded to my original instructions reminding me that I am... bound by the Cardmember Agreement and must make all payments on time, and that they reserve the right to report the account delinquent to all credit reporting agencies. On XX/XX/2023, I mailed correspondence responding to XXXX correspondence. This acted as a First Notice of Dishonor and Opportunity to Cure by following my original instructions. Here are some of the points I addressed in my letter. Let the record show that American Express still has not granted any of the requests mentioned to cure this matter. Excerpt from XXXX XXXX letter to American Express : For starters, you stated in your correspondence, You are bound by the Cardmember Agreement and must make all payments on time. Per the Cardmember Agreement, To pay by a certain date means to send your payment so that we receive it and credit it to your Account by that date. Let the record show that I am in full compliance with the Cardmember Agreement, as I did send American Express my payment via mail utilizing a legal tender. It is now American Express that is in dishonor and breach of contract by not applying my payment. According to the How to make payments section of the Cardmember Agreement a single negotiable instrument clearable through the U.S. banking system is binding by and well within my rights of this contract. In addition it is also stated that, When making a payment by mail : write your Account number on your check or negotiable instrument and include the payment coupon. I would like to emphasize the phrase or negotiable instrument, as that is the tender I originally sent to American Express. Furthermore the Cardmember Agreement states, If your payment meets the above requirements, we will credit it to your Account as of the day we receive it, as long as we receive it by the time disclosed in your billing statement. I would like for American Express to provide a written explanation of the requirement that was unmet and interfered with applying my payment. With all of that being said, I am completely confused as to why your correspondence is informing me of the Cardmember Agreement, when I have done nothing outside of my rights of the agreement, nor did I inquire about the Cardmember Agreement. When it is in fact, American Express who has violated their own Cardmember Agreement. Fortunately, I am willing to give American Express the opportunity to cure this matter by following my original instructions both enclosed and outlined below. I would also like all negative remarks sent to any credit bureau/agency in regard to a late payment to be removed, as it is American Express who failed to apply my payment. This is my first attempt in notifying American Express that they are in dishonor of the instrument that I previously enclosed ( U.C.C. 3-503 Notice of Dishonor ) and requested to be returned if not accepted, which did not happen. This also acts as a U.C.C. 3-307 Notice of Breach of Fiduciary Duty. On XX/XX/2023, American Express had written correspondence informing me that they recently notified you that your APR for all transactions would increase to the penalty APR on XX/XX/2023. We apologize for any confusion this may have caused. The XXXX for Purchases on your account will remain Prime plus 20.74 %, currently 28.74 %... I believe this is one example of admission of guilt from American Express for failing to honor my conditional payment/financial instrument and follow the instructions. In addition, on XX/XX/2023, I received an email from American Express with a Notification of Credit Limit Increase. I believe this is another admission of guilt for dishonoring my conditional payment/financial instrument. If the claims made against me by XXXX and American Express are that I owe and have failed to make payment, there is not a logical reason for increasing my credit limit at this time, out of all times. American Express has only increased my credit limit once during the few years Ive been a cardholder. Both of these are poor attempts in trying to negotiate and/or offer me something in lieu of my original and lawful requests, which I will not accept. American Express is breaching their contract ( Federal Reserve Act Section 16 & USC ) as a FDIC member by not depositing my financial instrument.This has placed me in a compromising position of having to risk adverse action of late payments or suspension of service, if I do not abide by the payment option they prefer, which is completely unlawful and violates the following United States Codes : laws ( 12 C.F.R. 229.21 - Civil liability and U.C.C. 3-307,103, and 4-106 ).
Company Response:
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A