Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The XXXXir Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: They are making negative comments and causing me to be declared and unable to get a new apartment and I have to move by XX/XX/2023 or me and my son will be homeless. The company that just did my screening for approval said my only reason for decline was because of Amex
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: AMERICAN EXPRESS ( AMEX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. AMERICAN EXPRESS ( AMEX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On or about XXXX XXXX, I received XXXX XXXX XXXX XXXX American Express credit cards addressed to myself and for two other individuals that were supposed " employees '' of mine. Names on the cards are below. 1. ) XXXX XXXX ( Myself - XXXX Business credit card ) 2. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ). I will supply one fraudulent credit card number for this report. XXXX 3. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ) ) I contacted AMEX Customer Service on XX/XX/XXXX. I explained the applications for all of the cards sent to my business address were fraudulent. I requested the cards be canceled immediately. I was advised by the agent that all of the accounts/cards were canceled. I received a request from AMEX dated XX/XX/XXXX to complete an Identity Theft Declaration to be used during their " U.S. Fraud Department investigation, Ref # XXXX. '' The completed form requested detailed personal information and proof of my identity. I completed the questionnaire to the best of my ability. The notice from AMEX stated I would be advised in writing upon completion of the review. At the time I submitted the questionnaire to AMEX, I chose to utilize my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681sec 609 ( e ). I requested copies all of the pertinent business records as identified in 609. I received two ( 2 ) notices from AMEX one on XX/XX/XXXX and one on XX/XX/XXXX notifying me of the internal review ( s ) taking place regarding my reported issues ( as described by my letter dated XX/XX/XXXX. ) Ref # XXXX and XXXX. As of todays date, XX/XX/XXXX, I have not received any additional information regarding the AMEX investigation / review, nor have I received any correspondences regarding my request per the FCRA. The beginning, how it started : On XX/XX/XXXX, I received a letter from XXXX XXXX ( dated XX/XX/XXXX ) that alerted me to " unusual activity '' by an " unknown party accessed customer accounts, '' which includes My Business online account. Per the XXXX notification, detailed information obtained may include " name, telephone number, billing address, price plans, and other service-related information. '' On XXXX XXXX XXXX, I contacted my local law enforcement agency at XXXX XXXX MI XXXX XXXX XXXX XXXX Email : XXXX, Report number : XXXX. I also reported this issue with all of the credit reporting agencies to place a Fraud Alert on my account. I also contacted the Federal Trade Commission ( FTC ) # XXXX, # XXXX and the Social Security Administration.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 recently placed an order online at XXXX, using my American Express credit card, the item was successfully delivered to me albeit the item was damaged. I reached out to XXXX to try to return the item and explain to them that item was damaged and they told me that the damage had occurred during shipment, and that they were not at fault, I reached out to XXXX, a couple of more times, and they proceeded to close my account for violating their terms with too many returns, from from there, I initiated a dispute with my credit card via American Express for the dispute for this purchase the dispute was denied in favor of the merchant, stating that XXXX had done no wrong, I informed American Express that I had received the damaged item and that XXXX had close my account and without an open account there is virtually no way to get in touch with XXXX so now I am stuck with an item that is damaged, and no physical way to reach out to XXXX to further try to return the item anymore, I dispute a charge with American Express, and was denied so I proceeded to resubmit the dispute again, and it was the night again with the same results so I was told by a friend to reach out to you guys, attached are the emails from XXXX stating they closed my account and theres no way for me to go to my account to return the item
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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: Dear CFPB Representative, I am writing to you to complain about an unresolved credit card ( American Express Gold Delta SkyMiles card ) dispute regarding dishonest and unsatisfactory business practices conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ) for the amount of {$280.00} paid on XX/XX/XXXX for laptop repairs. I am considering litigation if this dispute can not be resolved and getting Better Business Bureau involved. I have reached out to the merchant and my credit card company on multiple occasions who have not been able to resolve this issue. Therefore I am reaching out to the Consumer Financial Protection Bureau for further assistance. Furthermore, I have dated video evidence that provides evidence to support my case that American Express refuses to take into consideration because their online dispute portal does not accept video files. Despite sending several appeals to my credit card company, and even reducing the disputed amount to just reflect labor charges of {$170.00} ( not including the {$110.00} XXXX charged me for screen replacement ), American Express has refused to refund me this amount of money. XXXX XXXX XXXX XXXX XXXX also refused to address the new mechanical issues ( incurred by them during the original repair process of replacing my laptop screen ) unless I paid another {$150.00}. Because XXXX XXXX XXXX XXXX XXXX incurred new physical damages to my laptop during attempted repair process of replacing my laptop screen and refused to address subsequent physical damages resulting from unsatisfactory repairs, I am disputing the amount of {$280.00}. See below for my correspondences to my credit card company regarding this dispute for further details : Original appeal I sent to American Express from XX/XX/XXXX : " I am disputing the charges incurred in this case due to damages incurred during the repair process that made the laptop unusable. I left the laptop in good faith with XXXX XXXX with the expectation that he would perform the repair in an honest manner ensuring useability without any structural damage. Before I handed the laptop off to him ( on XX/XX/XXXX, see attached photo ), I was able to open and close the upper LCD display of the laptop with ease and there was no separation between the screen and frame. As you can see from the attached images, when I picked up the laptop on XX/XX/XXXX there was a visible gap between the screen and frame with some dried epoxy glue in between. In addition, there were new scratches and dents left near his attempted repair ( see attached photos ). Moreover, there was a new creaking sound when opening and closing the laptop ( see video from XX/XX/XXXX ). Despite me expressing some disappointment and skepticism of the durability of the repair, XXXX XXXX reassured me that he had done all that he could do, and that the laptop was structurally sound. In a matter of 2-3 weeks after the repair, the frame and screen separated in a wide swath starting from the left hinge stopping only at the corner of the right hinge where there were screws ( see photos and videos from XX/XX/XXXX ). This repair was not done satisfactorily and despite me reaching out to XXXX XXXX about it he refused to address this problem unless I paid him an additional {$150.00} for a mechanical issue that did not exist until his attempted repair process ( which required disassembly of several parts of the upper LCD display panel and surrounding elements to replace the screen ). He also failed to repair the laptop in a timely manner. I initially gave the laptop to him with the expectation that it would be repaired within a week. Lastly, he was dishonest with me when stating that his labor costs ( which were about {$170.00} ) were comparable to that of most repair shops ( XXXX XXXX XXXX XXXX charged me only {$84.00} for labor and total costs including parts was only approximately {$100.00} vs. XXXX XXXX charge of {$280.00}, see attached receipt page ). Most importantly though, unlike XXXX XXXX XXXX XXXX ( see attached video of laptop condition after XXXX XXXX repair, screws removed with purple/white stickers displaying company bar code affixed to rear side of LCD display ), XXXX XXXX failed to successfully repair the laptop and it was in worse physical condition after his attempted repair versus when I handed it off to him. For these reasons, I am disputing the charges incurred by XXXX XXXX XXXX XXXX, XXXX. '' MY SUBSEQUENT APPEAL TO AMERICAN EXPRESS WRITTEN IN XX/XX/XXXX : " I would not have agreed to repair services if I wouldve known that XXXX would cause new physical damages in the process and that his subsequent repair of physical damage incurred during his initial service ( to replace the screen ) would not be durable and compromise my laptops physical integrity in the near future necessitating more repairs. The bottom left and bottom right part of upper LCD display frame are not mutually exclusive, they are interconnected and should have been restored to prior physical integrity after disassembly and reassembly that took place during the screen replacement ; the bottom left part of the frame should not have detached 3 weeks after original repair if the original repair was successful. Because of this detachment, as seen in uploaded pictures, I was unable to open/close the laptop or have an appropriate view of the screen as the frame and detached hinge holders were blocking part of the screen. I might as well have bought a new laptop if I proceeded to pay him the additional {$150.00} ( that he demanded for repair of the detached screen and frame ) plus original {$280.00} he charged ; he should've fixed physical issues of his causing for free. Instead of taking responsibility for the physical damages he caused during the repair, he blames his incompetence on XXXX manufacturing ( see his text message where he says XXXX manufacture didnt do a good job on this type of laptop model, plastic holders which hold the metal hinges ). He makes a moot point about a successful screen repair when new physical damages ( that occurred during repair process ) do not allow adequate basic usage of laptop ( I was unable to open or close the laptop because of broken hinges and hinge holders ). There is nothing illogical about wanting my " hard earned money '' back after XXXX refused to address a new physical problem ( that arose during his repair process ) and that he did not fix adequately as it broke down 3 weeks later ( see my text ), XXXX XXXX repaired my laptop several weeks later and only charged me {$110.00} for labor and parts ( including a whole NEW LCD display with frame, screen, hinge, bezel etc. ) and the agent told me that XXXX 's prior repairs were inadequate, when I handed him my laptop in XXXX. Before handing off my laptop to XXXX, the laptop was able to be opened and closed without an issue ( indicating laptop hinges, bezel and plastic holders were not already damaged as suggested by XXXX ) ; however, in the process of his replacing the screen new physical damages occurred to hinges, bezel and plastic holders during disassembly process preceding screen replacement that he was unable to fixe with epoxy glue and that was inadequately repaired with his suggested technique with screws as the whole frame and bezel surrounding the screen were now loose ( see before and after repair photos ). I have video evidence further clarifying this loose frame and new rattling sound that occurred every time I opened and closed the laptop that XXXX dismissed as benign findings when I picked up the laptop assuring me that his repairs were durable. I am happy to provide dated video evidence if you'd allow me to send it ; unfortunately, your website does not allow uploading of video files. I was able to open and close my laptop before giving it to XXXX. He incurred new physical damages to my laptop and instead of taking responsibility for it, he texted me that in regards to his repairs, I dont guarantee what would happen after that, even one minute later. I trusted him to replace my laptop screen and to repair it ( not to create new physical damages ). He refused to work with me without charging me an additional {$150.00} to finish repairs of new physical damages he incurred even though I reached out to him within 3 weeks after his screen repair was completed. Therefore, I ask that I am refunded the unsuccessful labor charges of {$170.00} which left my laptop with a new physical problem that did not originally exist until XXXX attempted to replace the screen. I was able to open and close my laptop without the need for screws ( which XXXX installed ) before I handed my laptop to XXXX. ''
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Continuation of complaint against AMERICAN EXPRESS GOLD card -- submitted XX/XX/2023. XXXX -- to add overview of bills and payments for one year and files for one year to get a better view of my concerns. I pay this card off monthly, but AMEX uses the previous month 's balance to calculate the next months payment ( but they do not consistently put in the previous month 's payments made ) so you are paying the balance twice. I put tother a chart to assist in your review and obtained a year of files to assist in tracking as well as all payments for the time period. I put in red payments and in the charges shows to show the difference is what is showing and what was actually paid. This concern has been going on for years. AND I have contacted AMEX many times without success.
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had my credit reduced by AMEX corporation and was not given any specific reason. My credit score is the same and I have never missed a payment. I have had payments delayed due to lack of communication between Amex Checking and Amex Savings but have made the payments the next business day in full. My authorized user used XXXX XXXX XXXX XXXX to pay her Amex Blue card and XXXX XXXX XXXX XXXX bank failed to honor the CASH deposits to pay her account. I have had my account limited and have had to appeal which is essentially reapply for credit despite my 19 year history with Amex Bank. In addition to all of this I have had Amex bank make repeated " draws '' on an account already paid and was advised that " NOONE can stop or override the draw once it begins and it draws three times. I am owed XXXX XXXX ( I can't be certain without an audit ) that was never returned due to the automatic draws despite the fact that the bill was originally paid. I would like to continue doing business with Amex but if they deplete my account with no objective rationale then I'll move to XXXX and just maintain an emergency account there. But to pay an annual fee that is one third of my limit is ridiculous insulting and in violation of several REMA laws.
Company Response:
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/XXXX I logged into my account to realize there was 2 charges I knew immediately I didn't make! One charge was a place called " XXXX XXXX XXXX XXXX '' for {$400.00}. Another charge was from a place called " XXXX XXXX XXXX XXXX '' for {$230.00}. I never heard of these businesses or used my card at them, so I knew without question they were fraudulent charges made by someone else. I also know I didn't spend that kind of money at any businesses! I immediately called American Express Serve to notify them of this, it took me almost an hour to get through to a human being who then transferred me after I told them everything that happened. I was transferred to the account protection department where I waited on hold for another hour before speaking to someone else. Once I explained everything to this department, they said okay well these charges are pending and they haven't cleared so wait 2-10 days until they clear and call us back. I was like well I can get frauded again before then! No one even offered to block or replace my bank card! They were very unconcerned with the matter and said there was nothing they can do right now. I then hung up and created a separate account online called a " goal '' where I transferred all my money out of fear of my card getting used again while I'm waiting for the first 2 transactions to clear! Just starting this process already made me feel very uneasy, it immediately felt like American Express did not care. But I waited until the charges cleared and called them back. That happened to be on XX/XX/XXXX! Again I had to sit on hold for 45 minutes before getting through to anyone! I explained the entire situation all over again from scratch! They finally said okay we will email you a form to fill out for the fraud claim and if you want we will send you a be card. I said of course I need a new card! They charged me {$20.00} to expedite a card to me, otherwise I had to wait regular mail which would be around 10 business days for a new bank card. I explained it was wrong for me to be frauded and also have to pay a fee for a card after all I'm already going through as a customer! But I did it. On XX/XX/XXXX I received the form from them via email. I filled it out in detail and submitted it to them online. Now it's XX/XX/XXXX and I have not heard from my bank yet about the status of my claim! I also know I'm supposed to receive a provisional credit while they are investigating my fraud charges, I have received that either! So I call them again and say listen I haven't heard from you and I want an update on my fraud claim! I am told they don't have one, out can take up to 45 days to investigate so I'll hear from them when they are done. Once again I am not treated with any type of care by a single agent I speak to at American Express Serve! Finally on XX/XX/XXXX I get an email saying your fraud claim was denied. We didn't find any wrong doing. THAT'S IT! No explanation, no telling me why they came to this decision, nothing! I couldn't believe it! Now I've had this account with American Express Serve since XX/XX/XXXX! I actively use this account for everything! All my paychecks get direct deposited into this account! My tax returns get deposited into this account! Year after year I have faithfully been a customer! Paying them {$5.00} a month to use them as a bank! And after trusting you with ALL my money every month for 5 years, you deny my claim for fraud when I get violated for HUNDREDS of dollars!?! That to me is completely unacceptable! I'm supposed to take a loss of {$630.00}!!! When you told me I am protected against fraud and against charges I did NOT make! And I am telling you I DID NOT MAKE THESE CHARGES! I can not stand for this! So I am coming to the CFPB to help me fight this violation! I am also closing all my accounts with American Express Serve after this problem is fully resolved. I can not and will not trust a bank with my money that so easily refuses to protect my money!!!
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Effective XX/XX/2022, AMEX modified there card agreement that in lieu of automatically getting a {$300.00} statement credit, a {$25.00} credit on a qualifying restaurant purchase is applied monthly. Between XX/XX/2022 to the present, I had no issues with the exception of XX/XX/2022. I purchased dinner at a local restaurant called XXXX 's on XX/XX/2022 ( posted XX/XX/2022 ) at the amount of {$62.00}. The credit never arrived. After calling three times, I was told that they do see the establishment categorizes as a restaurant but for some reason no one I speak with can not issue the {$25.00} credit. I called a forth time and they said that they would issue the credit and it would take 24-48 hours to post. It has been longer than two days and I have yet to see the credit posted to my account. After four failed attempts, I am escalating this issue to the CFPB.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A