Date Received: 2023-03-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have sent payments in to American Express on several occasions and the payments are either sent back to the bank or deposited and not credited to the account. I have reached out to the XXXX of American Express and they have not been able to resolve the problem. Other times I receive my bill late and by the time it needs to be paid I get a late fee and interest charges on my account. The last time I called American Express it took 2 hours on the phone and no progress. After making a complaint to the executives, I received a notice that all of my accounts were suspended and my credit limit was reduced.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My card has disappeared on or around XXXXXXXX XXXX. I called American Express and reported I was not aware of charges. There were charges made out of town while I was in XXXX. My card was stolen and being charged. Now they sold my debt to the debt collector.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A charge was fraudulently made on my american express card I contacted both the store and american express and american express is holding me responsible for the charge even though i did not make it. It was XXXX for a chip reader at XXXX XXXX XXXX store.and american express contends i am liable for the charge. I have had a american express card over 40 years without a problem and the first problem i get no help from them
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: This another complaint in reference to the lies from the reply on XX/XX/XXXX. XXXX is the first complaint id. I'm simply going to let you know that this bank will lie after lie after lie and have attached a letter as proof that I have been lied to and will lie even to the government my claim has been reviewed and accepted by Globel American Express XXXX team in the amount of XXXX dollars why have they only credited XXXX to my new account that's cancelled and can't receive new cards as Mr or ms stated in the reply to my complaint and have been told I can only apply well if this law breaking bank would fix the reported closed account in collections I probably would have been approved but guess what since you have both my accounts closed and breaking the law because it's under a XXXX investigation and I yet have been able to get replacement cards I will attach proof of this and demand they be reprimanded for being XXXX XXXX shame on you
Company Response:
State: CA
Zip: 92701
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are two inquiries on my credit report that I do not recognize or gave any permission to use of my personal information
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
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 placed the order on XXXX XXXX XXXX website, the order supposedly comes in multiple shipments as it contained multiple pieces of jewelry. But the shipments have encountered delivery issues as there appears to be someone falsely signed the package which I have notified the merchant immediately. The first shipments delivered prior to the shipment of claim XXXX were atomically signature required by the merchant ( it was not an option on the merchants website upon purchase ) and they were less valuable than the shipment of claim XXXX, therefore it is ridiculous how under the circumstances which the merchant is well aware that there is a delivery problem at my address yet did not take any security measure when sending the shipment of claim XXXX. It is common knowledge that it is the merchants sole responsibility to deliver the merchandise to the correct recipient especially when the package contains high-value items, otherwise, any person can walk up to a delivery truck and pretend that the person lives in a certain address and get the package. As of today, I have not received any package from XXXX XXXX XXXX, I have done everything the merchant told me to, file a police report and file for bank dispute, I also have submitted a complaint through the XXXX XXXX XXXX, I really dont see anything I have done wrong here and I dont believe it would be fair for me to take the such a huge loss for jewelry that never reached my possession. Falsely filing a police report is a crime, the official police report should work as proof of I did not receive the merchandise. Firstly, prior to the merchant sending out this package ( value XXXX $ ), the merchant was aware that there is a security risk at my address, the previous package from this merchant have been falsely signed by someone else, and when I was in another state doing a job interview, those previous packages contained less value product yet required signature. However, under such a circumstance, the merchant still sent out such a high-value item without any security measures to ensure the package reach the hand of the correct recipient. I have provided the official police report to prove that I didn't receive the item as falsely submitting a police report is a crime. It is the merchant 's responsibility to ensure the package reaches the hand of the correct recipient therefore I don't believe I am responsible for the loss of the merchandise. Secondly, the proof of delivery provided by the merchant did not show whom it was received by, why should I be paying for the item when I did not receive the item? It is ridiculous for a luxury merchant to send out high-value items without any security measures, no signature or ID check nor did the carrier attempt to contact me for the delivery. The signature requirement was automatically applied when making a purchase at the merchants website, I did not opt out and why did the merchant have a signature requirement on the less valued items yet did not require a signature on the delivery of shipment that contained higher value? Under the circumstance that the merchant is aware there is a security risk at my address even with previous shipments that required signature, the merchant is supposed to take additional security measures such as an ID check or have me pick it up at one of the couriers locations to ensure that the next package ( the {$10000.00} product ) reaches the correct recipient. In conclusion, the responsibility for the loss of the merchandise lies with the merchant, they should be the ones at fault for the loss of the item, as they failed to take sufficient security measures to ensure that the package reached the correct recipient, despite being aware of the security risk at my address. The merchant is responsible for ensuring that the package is delivered safely and to the correct recipient. It is unreasonable for me to be held responsible for the loss of the merchandise when there is no evidence to suggest that I received it. In addition, I have provided an official police report to prove that I did not receive the item, and it is not appropriate for the merchant to expect me to pay for something that I did not receive. I have uploaded all documentation and evidence to Amex but Amex stands with the merchant simply because of a proof of delivery that has no signature or picture showing where the package is left. There is no evidence supporting that the package has been received by me, the package would not have been lost if the merchant has taken reasonable adequate security measures to ensure the package gets delivered safely to the hand of the correct recipient. But my credit card company left me unprotected in this case, it is ridiculous how Amex sided with merchant for proof of delivery when it is a shown delivered but not received case.
Company Response:
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX {$36000.00}
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
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 XXXX XXXX I utilized the free, online platform, XXXX, to arrange for cleaning services for my home. I booked the appointment on the website and when the contractors completed their work, I submitted an online payment of {$240.00} to the XXXX online payment portal. As soon as I did this, the contractors informed me they do NOT accept payments via XXXX and that all payments would need to be received directly. So, I paid the contractors directly, and they informed me I needed to cancel the previously submitted payment to XXXX. On XX/XX/XXXX I opened an American Express dispute claim to request them to have the merchant refund me the payment I'd submitted for the cleaning services. Although I provided evidence that I made a duplicate payment for the same service, American Express is NOT closing the claim in my favor. Here we are almost 120 days later, and my dispute with American Express is still pending and I have not received any refund for this duplicate payment. I provided American Express with RECEIPTS of me paying the contractors directly. I also provided evidence that the contractors NEVER received a payout from XXXX for the services they performed for me. The contractors even tried to call XXXX to inform them that I paid for my services directly, but American Express is refusing to chargeback the {$240.00} duplicate payment back to me.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a XXXX alert on XX/XX/XXXX, that an unknown person applied for an American Express Credit card using my personal information without my permission or authority to do so. I contacted American Express and advised them that I did not apply for a credit card and they advised that they would indicate that the credit application was fraud. I was assigned reference # XXXX. The phone number called to dispute the issue was XXXX and I spoke to the company representative XXXX. I received a follow up call from American Express on XX/XX/XXXX, that my original request made on XX/XX/XXXX, was not processed. I made an additional request that the case be marked as fraud and that this information be noted to the file. XXXX, the person I spoke with, advised that the file will now show as declined and indicated as fraud. I have contacted XXXX and placed a freeze on my account for any future transaction relating to my personal information.
Company Response:
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Improper account spending limit change Company ( American Express ) Saturday, XX/XX/XXXX at approximately XXXX XXXX I had XXXX dollars of available funds in my account my spending limit on my card was before XXXX XXXX that day and the time before was XXXX dollars. I've been with American Express for a few years and have made every payment on time, and have never been late. As I stated above my spending limit was XXXX dollars I had an available fund of about XXXX dollars before XXXX XXXX. After XXXX XXXX I noticed a change in my spending limit and a change in my available funds as stated my balance on the card was XXXX and my spend limit was XXXX the card had gotten me through buying all the necessities for my home but I still made sure I paid the minimum balance. Recently my goal was to start paying the card off in big chunks my XX/XX/XXXX - XX/XX/XXXX statement was XXXX I then paid XXXX on the card with put my XXXX XXXX XX/XX/XXXX adjusted balance to XXXX the list of payments I submitted on my account was a payment for XXXX on XX/XX/XXXX, On XX/XX/XXXX I made a payment for XXXX, and the XXXX dollars that I made before my statement for XXXX XXXX XX/XX/XXXX. I called American Express because they change my spending limit but could not for some odd reason where the XXXX dollars I had in available funds went because I paid XXXX dollars on my card of money that I put back the card which means if I pay it back I can now use it but no one can tell me where my funds went and now my account is left at XXXX dollars from just had a fund of XXXX no matter if American express refreshes your spending limit you already paid on the card for the refresh and had those available funds so they should not be taken AT ALL. I was left with the same statement balance and a lower s [ ending limit and they had no clue when I contacted them multiple times on the same day XX/XX/XXXX where XXXX dollars vanished too because there was no indication of it at all.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A