Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating. Thank you.
Company Response:
State: MD
Zip: 21144
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX, 2023 : owned accounts between XXXX XXXX XXXX and American Express National Bank savings were linked for electronic transfers per XXXX XXXX XXXX XXXX XX/XX/2023 : {$1000.00} transferred to AMX from XXXX XXXX. Transaction credit never acknowledged by AMX. Trace ID provided by XXXX. XX/XX/2023 : Spoke with AMX on-line help to see why the deposit was not reflected in my savings acct. Spoke with XXXX XXXX on-line transfer help line to see why deposit to AMX was not made. Initial claim generated with XXXX XXXX XXXX XXXX. Claim # XXXX. XX/XX/2023 : XXXX XXXX closed claim per " miss-applied funds '' by AMX. XXXX went into my AMX savings account and transferred {$1000.00} back to XXXX account to close the claim. The original {$1000.00} transfer was never shown as a credit to my AMX. XX/XX/2023 : FDIC Case # XXXX filed on-line via the FDIC web site. XX/XX/2023 : Wrote a claim letter to AMX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from XXXX XXXX. XX/XX/2023 : FDIC Case # XXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXX. XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. XX/XX/2023 : completed a complaint on-line with Consumer Financial Bureau . Called CFPB, asking if I needed a second complaint for American Express National Bank, they were the receiving party to the attempted ACH transfer from XXXX XXXX. To date, I have received no updates to the American Express Dispute letter I sent them.
Company Response:
State: AZ
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have two serious problems with American Express. I have been a customer of American Express Credit Card Co. for many years. The first problem is : One month ago the company sent me a letter saying that I would be enrolled in paperless billing as of XX/XX/2023 - without my consent. I did not want that change. It took me about two hours speaking to a customer service representative ( a week or so ago ) to have that changed. The employee said it was corrected, but I am not sure that it has been done. I do not trust the company. The second problem is : Up until one month ago, American Express has sent me a monthly bill that clearly stated what amount I need to pay each month to pay off my debt within 3 years, thus saving interest and allowing me to properly manage my expenses. The company stopped doing that last month and did it again this month. I spoke to a customer service representative who said that my only choice is to pay the full amount or the minimum payment, which will take me 36 years to pay off and XXXX in interest. I can not figure out what the 3 year pay off amount is. I need it. I feel American Express is engaging in an unfair practice that is designed to make me pay more money and increase its gross profits. I need your help. XXXX XXXX XXXX
Company Response:
State: NJ
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: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 my card was somehow used at an atm machine in a different city and they took out XXXXXXXX XXXX Ive had my card with me at all times and I was home the same day they took my money I submitted a dispute and it got denied I was asked to write to them so I can receive the documents they wouldnt give me any information on the phone regarding there decision they said I had to write a letter so I did and I havent heard from them its been almost 2 months and still no information regarding there reason for not refunding me my money
Company Response:
State: CA
Zip: 93103
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. " In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: American Express charged me interest on charges that I had put into disputed status, THE DISPUTES ON WHICH ARE STILL UNRESOLVED TODAY, in blatant and fraudulent disregard of governing federal consumer protection law that PROHIBITS EXACTLY THIS! I detailed this for them in 3 phone calls over the last 2 months, but they refused to remove this fraudulent interest charge. They also refused my request to have all 3 of my calls transfered to a supervisor in the US! All of this despite the fact that I have always, EVERY month for the past 19 years that I have been with American Express, paid my ENTIRE undisputed balance in full and on time, as I detailed to them in those 3 phone calls. American Express is tired of not making an " extra profit '' off of me ; the float they earn off my SIGNIFICANT monthly charges is not enough for them! They have to try to charge me their OUTRAGEOUS interest that they do to thousands of their card holders! American Express is also doing this to retaliate against me for the prior complaint I filed with this CFPB detailing how I was unable to use my card at all over a 3 month period because, EVERY time I tried to use it, American Express put a LUDICROUS and FRAUDULENT block on every charge with an equally- ludicrous claim that the charge " appeared to be suspicious ''. EVERY one of those supposedly-suspicious charges was to a MAJOR, TOTALLY-REPUTABLE US merchant/vendor!! ! And then American Express had the audacity to wait more than 30 minutes on EVERY one of those blocked charges to send me a text message requiring me to verify that the charge was OK!!! By then I had obviously finished the on-line charge and/or left the store in question, having had to make the charge using a different credit card that I did NOT want to use!!! All of those charges went through on that other card with absolutely NO PROBLEM WHATSOEVER!!! Of course they did : they were NOT suspicious in nature AT ALL!!! If I have to pay this FRAUDULENT interest charge, I will sue American Express in small claims court to recover it AND ALL applicable/related legal costs.
Company Response:
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have reached out to American Express over 50 times about this matter and each time American Express has promised to correct their error and post my missing 140,000 points from an upgrade offer to their platinum card. It has been since XX/XX/2023 that American Express has been expressly promising to correct their technical issue and issue the points to me manually. They have promised it over a dozen times in writing over their chat feature. After their agents are improperly trained and escalations to managers fail, because managers fail to perform their tasks, I have filed a complaint with consumer protection buerau. American Express has promised to correct over 1 month ago. I have since reached out to their customer service over chat and again they are telling me that my points are coming and they are working on resolving. American Express terms and conditions stated 8-12 weeks at the maximum, and it has now been nearly 180 days, or 25 weeks. It seems that American Express has very poor internal processes so when a technical issue has caused the error and affected my account and failed to credit my account with 140,000 points, the employees and senior managers at American Express are either unable to execute due to poor training or they are purely negligent. Please escalate to higher levels as this is ridiculous. Please put pressure on American Express to deliver their end of the terms, which are no significantly outside of their terms and conditions. If Amex continues to fail to correct this, I will be looking to take further action.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied in good faith for a XXXX XXXX XXXX amex card XX/XX/2022, Amex denied/declined my application in error. I just received a letter stating that they declined my credit in error. Amex took adverse action against me by not having me exercise my right to credit, credit is a right granted. Amex violated federal Law under the Equal Credit Opportnuity Act, as pusuant to 12CFR 1002.16, I will further escalate the violation to all federal regulators if resolution is not met. Eclosed is the letter from Amex and my complaint to attorney general.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I pay my AMEX card in full every month. The due date on my card is the XXXX of the month. In XXXX I paid the balance of {$910.00} in full one day late and incurred a interest charge of {$23.00} and a late fee of {$40.00} in XXXX for the late payment. I am ok with the interest charge and the late fee in XXXX because I paid late. However, I also received an interest charge of {$23.00} in XXXX and when I asked the AMEX representative why I was charged interest in XXXX they said that the trailing interest from the late payment in XXXX carried over into XXXX. Since I paid the balance in full on XX/XX/XXXX there shouldn't be any trailing interest. Or if there is, it should only be for 1 day? When I asked about the interest in XXXX I was told that it was the trailing interest? Without a clear explanation of why I was charged another month 's worth of interest for 1 day of an outstanding balance raises the issue of an unfair and deceptive act.
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hi, I called American Express 6 weeks ago to verify if I qualified for AMEX platinum as an upgrade, I was informed I had to keep Gold for at least a year and then do so. 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 Platinum card I called to remove the Gold 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 we ( wife and myself ) 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. 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 XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 's office with no luck. ( XXXX )
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A