Date Received: 2023-03-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I recently requested a notarized validation and verification of debt with a wet ink signature as when I initially signed up I was unaware that the credit card was an asset backed security and believed I had made a mistake by not knowing. I explained I was the agent over the principal and believe I was due back unearned interest. This account was charged off, a taxable event to which I requested not only information about the asset backed security but also for the forms filled with the IRS and the SEC. I asked for accounting information in accordance with GAAP. I asked for a TRUE BILL along with other documentation to which I was ignored and only recieved a copy of a statement, to which I specifically told them was unacceptable. I requested a copy of their debt collection license for the state of Florida, I was ignored. I explained that if they didn't send that information I could not move forward, According to House Joint Resolution 192 I am unable to pay a debt as it is against public policy. I explained that if they did not provide the proper information I would consider the debt discharged and should be removed from my credit report immediately. Again I was ignored. Instead of providing me with the proper documentation, they took adverse action against me and placed a derogatory mark on my credit report which is unacceptable and they do not have my consent to share my personal information.
Company Response:
State: FL
Zip: 33027
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up a {$50.00} auto pay for my business credit card with Amex. They auto drafted {$380.00} instead and claim it was an error on their part. When I tried to get them to refund this unapproved withdraw from my checking account, they said it was needed to keep the account open and sent me to multiple representatives without giving back the money they stole. I could care less about the account being open or closed. Amex doesn't get to change payments I've scheduled. I'd like my {$380.00} returned. Until then I have removed all bank accounts and auto pays from all XXXX of my Amex cards. I won't pay them XXXX dollar until the unapproved withdraw is returned. What they did caused a {$35.00} dollar late fee for a separate account because they stole money not meant for them with the unapproved withdraw.
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am planning a trip to XXXX for the school. They did not allow us to use their credit cards so I had to pay the airline with my credit card. The auditors don't want the check to be written to me. They write it to the credit card company. I have to wait for the charge to appear on my card and then print out a receipt, fill out paperwork and submit to the office. The class treasurer, the principal have to approve the disbursement. Then the secretary writes the check. They do this process once a week so if you don't get it in before that week you have to wait until the next week. Then I have to go to the post office and mail it. My due date was XX/XX/XXXX. I went to the post office so I could mail it certified mail on Tuesday XX/XX/XXXX. It was getting mailed to a place less than a XXXX XXXX XXXX from my house. I also have the return receipt. The credit card company posted interest from it being late on XX/XX/XXXX. They charged me {$530.00} and change. I called on XX/XX/XXXX the first time and was given the run around. I called back on the XXXX and was told it was declined. I called back again a few days later and another woman told me it was escalated and they were waiting for an answer. It should take 7 - 10 days. As of today XX/XX/XXXX I have not had an answer. I asked them to drop the interest charges because the school will not pay it. I paid the entire amount off that I had charged.
Company Response:
State: NY
Zip: 12401
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a complain against American Express. My problem started when I purchased a home located in XXXX XXXX PL, XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with American Express without my consent. I contacted American Express but they dont give me information about the account. They say they dont have information because the account was closed and they gave me the phone number of department of collection of American Express XXXX When I called to that number, I asked them if they have any type of documents signed by me confirming my identity or if they can verify the information of my ID they might have in my profile. I asked them what is the name and the address on the ID. I also asked them in what locations were the card used. They couldnt give me the information I requested and did not want to help to confirm the identity of the cards user. Im requesting to remove this account opened fraudulently from XXXX, XXXX and XXXX. Im attaching a copy of the police report of identity theft, Im attaching my electricity bill from XXXX confirming my address at that time.
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I was an AMEX credit card holder in good standing for 30+ years, yet when I tried to cancel my card, American Express engaged in abusive, unethical practices, first by making it very hard to close my account & then refusing to stop payment on standing orders. The following is a summary of what has transpired : I tried to cancel my card at about the end of XXXX, XXXX but I was kept on the phone for more than hour, shunted from one agent to another on the pretext that each was involved in a different aspect of the cancelation process. I agreed to think the matter over just to get off the phone but was ensured that if I decided to cancel my card I would not have to go through the rigamarole as I had already completed the necessary steps in the process. I called to cancel my card on XX/XX/XXXX & I was kept on the phone again for over an hour & my card was canceled only after I said I would hang up & file a complaint against the company. I was assured that standing payments would also be canceled, but they continued. I paid two further such payments but told the company that I would pay no further standing orders. I received a letter from the company on XX/XX/XXXX informing me that automatic payments will continue as long as I am enrolled in autopay. I have not enrolled in any such payments to my knowledge, and when I attempted to cancel autopay online with my bank, no autopayments were listed. ( I am attaching the letter I received from American Express ). I have tried everything to make American Express stop payments on charges which I do NOT want paid, but they continue making payments doubtless so that they can collect a fee. I will not make any further payments to American Express as I have made my intention to terminate any contractual agreement with the company repeatedly clear.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Please remove the two late payment reports from 2020 XXXX and XXXX for I was Financial impacted by covid 19. In an act of good faith please remove from report for my account is paid and never late after. My bill was paid on time every month after dating back to when the card was first issued as well please remove the late payment comment from my reporting it is hindering my ability to receive other products from different companies. Thank you.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made a payment in mistake of {$1000.00} to American Express Credit Card ( XXXX ) taking care by XXXX on XX/XX/2022 from my XXXX XXXX online account. That card was already closed. I put this issue to XXXX XXXX at least 3 times and they said transaction is completed and money paid to American express. They are not giving me complete info. I contacted to American Express and they had no knowledge of that money, either by card number nor social security number. Remind it I have an active American Express card and I paid its bill of same amount of XXXX on XXXX XXXX in separete transaction. I also contacted with XXXX XXXX many times and they also had no knowledge as well. End result I paid an amount to expired or closed account from XXXX online account and have no trail of money. I should get my money {$1000.00} back in my account.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My wife and I had applied for American Express. We received those cards and pay about {$500.00} a year for the card.. While using one of the cards a Platinum card we were sold all the benfits of using an AMEX card that you could use to earn rewards and points but using these points was very difficult and at times inaccessible especially when AMEX for no good reason suspended charging because their system says it needs to be reviewed. We switched everything over to AMEX including auto pay and then when we had available credit AMEX then cut off the card in the middle of travel and said that it needed financial review. Financial review that started on a Sunday. We completed the financial review and they lifted the suspension. The first time. We had never had a late payment. On the charge card Platinum my wife was the responsible party. AMEX continued to tell me I was not finacially liable. But today on my XXXX XXXX card they suspended my card because of another account for the Companyu I worked for styating because of my association with " other cards '' that they had to complete financial review and suspended my persdonal card because of the Company card not being paid correctly. My available credit showed I had enough spending to continue to use the card but it was suspended, and I was adivsed this on a Sunday today. Now AMEX said that my card was suspended because of my association with another card not in my name but by the Company I worked for now holding me responsible from my XXXX XXXX XXXX XXXX for a card I am not responsible for. AMEX has continually suspended charges when there was no reason to do so and has done this to me numerous times while traveling leaving me in a lurch and causing significant expenditure of time and delay in completing travel. Also having to go to over 20 autopays that were loaded using the card has now jeopardized my payments to other creditors since I used the AMEX as an autopay item. They sell you in their marketing how easy it is to use AMEX and how helpful they are but all this hype is nonsense and I have never been treated like this by any other card issuer. I have been a member of AMEX since 2006 and it means nothing.
Company Response:
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
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 bought some brake pads from XXXX XXXX using my Amex. They sent me the wrong thing for my car. When I tried to return them they said I would have to pay the shipping to return. I disputed the purchase on the Amex card. When I did this, they removed the charge of {$36.00}. Then they denied the dispute and added the amount back to the card. I disputed it again. Amex took {$36.00} off again. They denied the dispute again and this time they put {$72.00} on the card -- doubling the charge incorrectly. I called them and tried to tell them that they had made a mistake. One guy I spoke to did not know what to do and hung up on me. I called back again and still got nowhere. They refuse to understand that they incorrectly doubled the charge. I mean {$36.00} - {$36.00} = {$0.00} + {$36.00} - {$36.00} = {$0.00} + XXXX - {$36.00}. Since I could not get them to understand, I just paid the {$36.00} on XX/XX/2023 hoping they would straighten out their terrible math. I had paid the balance in full the month before, so the only amount that should have been charged was the {$36.00}. My balance should have been {$0.00}. Instead, they added a {$29.00} late charge saying I did not pay in the month of XXXX. They have not only assisted XXXX XXXX in committing fraud, now Amex is making up charges on my account. I have had this card for 30 years and I have NEVER paid late. I no longer am doing business with Amex and yet, they keep making up charges on my account. For instance, they were trying to charge me for orders that I cancelled and they knew I cancelled, but they did not take the charges off. Please make them straighten out the doubled charge and make them get rid of the late charge since I paid them in XXXX. There should be no late charge.
Company Response:
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
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 used my American Express card and American Express travel to book a hotel room for my XXXX XXXX XXXX father. My father called me today, my brother is in the hospital with XXXX failure. Understandably, my father needs to cancel his trip due the severity of this situation. The hotels cancellation policy is 72 hours. The hotel saw my reservation and said American Express should not charge me a penalty to cancel since I called within the allowable time. The hotel was very compassionate and understanding. American Express was not at all compassionate or understanding. American Express said the penalty is XXXX night stay. They charged me double this. Ive had two phone calls with American Express. I have spent almost 2 hours on the phone. I feel totally helpless. The hotel really tried to help. They said American Express is wrong and they have done this before to others. I cant believe a firm like American Express can take advantage of people like me. Its bad enough my family is dealing with a health crisis. American Express has made this worse.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A