Date Received: 2023-03-14
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 am writing to you to request your help in a matter related to a fraud that has occurred in my bank account. My XXXX XXXX account number XXXX was subject to an illegal withdrawal of {$12000.00} without my authorization from American Express. Although XXXX XXXX has returned the sum of {$4600.00} to me, they told me that the rest of the money must be returned by American Express ( A.E. ). Unfortunately, I have had difficulty obtaining information from your company regarding these transactions. Even the police in Pinecrest, Florida, have been unable to obtain information and have had to go to a judge to obtain the necessary information ( subpoena ). I am concerned that A.E. is hiding the person who took the funds from my account. For this reason, I formally request that the funds illegally withdrawn from my account be returned to me. I have obtained the following American Express ACH transaction numbers from my bank, XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I urge you to fully investigate this matter and find out why A.E. is covering up the scammers involved in this crime. I hope you can work with me to resolve this matter in a timely and fair manner. Please contact me through my email address XXXX or by phone at XXXX. I appreciate your prompt attention to this matter and look forward to your response as soon as possible. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They saying that the have turned me in to collections but collections has not sent me anything ant the company failed and refused to sent me bills and envelope to make my payment I have already told them I don't pay on line and the keep reporting to credit bureau that I'm not making payments I'm done with this games
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for gold skymilles amex card on XX/XX/XXXX for the XXXX delta miles offer if i spend XXXX $ during the XXXX 3 months. I spent the money and been qualified for the offer. However, I never got my offer. I called them by XX/XX/XXXX they told me there a system mistake then they promised i will get my offer miles by XXXX. In XXXX tgey told me again theres a problem that my name is similar to another name and they are investigating it. On XXXX they told me they confirmed that my profile is eligible and i should got my miles in 2 weeks. Since XXXX XX/XX/XXXX i am giving them a call biweekly and everytime time they are telling me the case is still opened and they will escalate it. I have applied for this card with annual fees only for the miles offer and for 6 months now i am calling them biweekly and nothing happens
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express offers a feature to pay for each transaction you make during a statement period. This is a nice feature to allow consumers to try and reduce balances that are assessed interest. The problem is that American Express only allows the consumer to pay for up to 5 transactions per day and then locks you out from making anymore payments. Also, transactions over {$100.00} can not be paid and instead they offer the " Plan It '' feature, with most " plans '' being 24 months. A fee is assessed every month for this feature so obviously the longer the duration of the plan, the more American Express can collect in fees. If you don't opt for this, then that transaction is subject to interest at market rate. With this " Pay It '' feature, I paid off all 5 of my transactions for the billing cycle the day before my bill was due. On the day that my minimum bill was due, I attempted to make a payment in the app and was locked out of doing so. I attempted to call to make a payment but was transferred to a representative that claimed they too were unable to process a payment, that I would NOT be assessed a late fee, and that I would be able to pay that remaining balance the following business day. The due date was a Saturday, the payments were on a Friday and I went back to the app on Sunday where I not only was able to make that payment but I was also charged a late fee. I called to get American Express to honor the statements their representative made regarding no late fees and was told because I had recently had my request to reduce my interest approved, I was not eligible for a waver. This entire process is predatory and anti-consumer. The 5 payments/day and then locking consumers out of any further payments is clearly a sneaky way for American Express to charge late fees to further their profits on predatory intended practices.
Company Response:
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 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 a account without my written instructions. 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 purpose.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, XXXX, my card was illegally skimmed by ATM skimmers, who likely modified a machine I used near XXXX, TX, on XXXX XXXX, XXXX. The thieves made their way to a XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX, where they used my skimmed card information to withdraw {$100.00} seven times, resulting in almost {$800.00} of stolen money. At the time, I was at home ( with my wallet ) eating lunch when I received two ATM Decline fees for XXXX cents each. Because I have never withdrawn so much money in a single day, I didnt understand what an ATM Decline fee even was! Upon checking my account, I see that my funds have suddenly dropped from {$1600.00} to {$870.00}, and the ATM Decline mechanism probably saved my money from being wiped out in a single day. I believe that the thieves modified the machine at another XXXX XXXX ATM and then stealthily made their way to a different location to avoid suspicion. Afterward, I immediately called American Express Serves customer service team to understand what was going on, and they discovered that my card had been illegally used at a local gas station. They instructed me to freeze my account, cancel my card, and open an investigation immediately to stop the thieves from stealing again. However, American Express Serve refused to credit me the stolen money, accusing me of authorizing the transactions instead. When I asked them how they arrived to that conclusion, they instructed me to write them at XXXX XXXX XXXX, XXXX, Georgia, XXXX, which I did, but I havent heard back from them yet. I am formally accusing American Express Serve with financial malpractice, not protecting their customers from XXXX XXXX XXXX, and refusing to offer customers provisional credit without any evidence. Thank you for reading my short statement!
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Amex Platinum : Please see the attached screenshots of my chat with representatives at American Express. I asked if I could download all of it, but was told there was no way they were able to do so. I have had horrific issues with both of my American Express accounts. Regarding my Amex Platinum : The annual charge for {$690.00} appeared on my statement and I was having a difficult time financially. I reached out to them to explain what was going on and asked if it was possible for me to perhaps pay the fee the following month. ( Although I dont know why, I knew they wouldnt help me. ) But, I was told I qualified for their green card which would lower my rate to $ XXXX. instead of the ( absurd ) $ XXXX. A {$690.00} fee, especially considering the fact that my credit limit was never more than {$4200.00} is ridiculous. I looked at my statement a couple of weeks later and the fee still had not changed. I specifically asked if lowering the fee to {$150.00} would affect my credit, credit limit or my account in any way and I was told no. I honestly dont know what they did. I just know that none of it was what I requested, none of it was made clear in any way shape or form and I feel like I was, I guess, tricked. Because business was slow, I opened another credit card specifically to transfer {$2500.00} to this Amex card to get the balance down. About 3 days after initiating the transfer I logged onto my account and saw that I was now over my spending limit and past due because the actual product, my Amex Platinum, was changed to a completely different card ; the credit limit was lowered so much that it put me over my spending limit and the {$2500.00} payment wouldnt have even brought it under the limit. What they did is so unethical and immoral. I have a hard time believing its even legal. If you could take the time to read through the screenshots I would appreciate it. I worked so hard to fix my credit ; it took me a very long time after my divorce and just the fact that I was able to get that credit card made me feel so good about myself. I try so hard and it never seems to matter. Thank you in advance for your time and attention to this matter.
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I've filed a fraud case with AMEX on XXXX, XXXX 2023 regarding a transaction under XXXX XXXX WA for {$1900.00}. I was initially told the investigation would conclude within 30 days. Well it has been over 37 days and the charge remains on my account. The unauthorized charges have already been reflected on my credit report even though I was initially told that I wouldn't be liable for the amount.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: About a year ago, I started having issues with my American Express accounts online. I was having to change my password constanly due to it not recognizing it. I would write it down to what I changed it to and their system would accept it, yet when I try to use it days later, would not!! I finally had enough of the issues and called them and spoke with the tech team. That sat with me on the phone while I changed my password for the 15th time within a few months. Finally they made me remove special characters and make my password more simple!?!? It worked and has worked since but I'm trying to figure out how a credit card company is making me have the weakest password possible in order to fix their error messages!! I do NOT feel like my account is secure any longer and would like them to fix this issue but they did not seem to have any intention on doing so.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Yesterday I opened a piece of mail from American Express ( already a couple of days old ) and it was a letter stating that my application was being processed. I never applied for an American Express card so I called the fraud department and spoke with XXXX. They froze the application. The email on the application was not mine but instead was XXXX. I filed credit freezes with 5 major credit reporting companies and also filed an initial fraud alert. I looked at my credit report and it shows recent ( XXXX/XXXX/23 and XX/XX//23 ) inquiries using my phone number but an incorrect address of XXXX XXXX XXXX XXXX XXXX, WI XXXX. Aside from American Express, there were also non-commercial offer inquiries made by XXXX XXXX and XXXX. I contacted both and verified that there were no open accounts or open applications. I suspect that my information may have been leaked through accessing my account on SAM.gov. I received an email from them about a week ago indicating that someone had updated my profile posing as an employee with an email of XXXX. I logged in and checked my account and found no abnormalities, but it does contain sensitive information such as addresses, phone numbers, and SSN/EIN. I had two-factor authentication in place but I changed my logon credentials immediately anyway. On their website they had a message about an erroneous alert to multiple administrators regarding account updates. Still, it's odd to provide a XXXX email address in the email alert. I now plan to contact the Federal Service Desk to see if they can give me more details on what was accessed or changed in the account.
Company Response:
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A