Date Received: 2023-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Company is stating there was a returned " check '' for which there was indeed sufficient funding to pay statement
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express posted RETURNED XXXX TRANSACTIONS when there was funds in account ( XXXX )
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I've received targeted offers for the Amex Delta Card for at least 12 months. I finally decided the apply. I have a fraud alert on my credit report, so I was approved after they verified my identity. The promotional terms included XXXX bonus miles after spending XXXX in the first six months, a {$0.00} intro annual fee for the first year, then {$99.00}. Within the past month, I was charged a {$250.00} annual fee. On my first contact attempt with AMEX, I was informed the issue would be resolved, and it wasn't. During my second contact, I was told I was approved for a platinum card, not the gold one I applied for. I was offered no resolution other than to reapply. However, the offer I used has since expired.
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I would like to see this case re-opened! American Express is in possession of all documents that were originally submitted. According to XXXX, Funds in an American Express Personal Savings account are insured by the Federal Deposit Insurance Corporation ( FDIC ) up to {$250000.00} per depositor. You can also link external bank accounts, allowing you to transfer money in and out of the account as needed. FDIC means the bank is insured, not that the customer is insured. I had an external checking account that was hacked. I gave no authorization for any funds to be withdrawn, yet, {$250000.00} was withdrawn by hackers who used my internet protocol ( IP ) address to move t hose funds into my XXXX XXXX XXXXXXXX checking account. From there, they created their own XXXX XXXX XXXXXXXX checking account, moved the funds into that account and out it went. The American Express investigation was limited to the fact that my IP address was used to move the funds to my account. American Express closed the case, and left me with {$1000.00}. The investigation was shoddy, negligent in the facts, cursory in its desire to understand what happened. When XXXX XXXX tried to explain how these actors had invaded my accounts, they indicated there was no need for them to understand. Not one penny, of those funds that were withdrawn, was ever authorized by me. I would expect that as a long-time account holder, there would have been a real investigation. More than likely, those funds were laundered to fund terrorist activities. Does American Express care? American Express should do a thorough investigation. They have refused to contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Mobile : XXXX XXXX XXXX The Consumer Sentinel Network details several similar scams with the same names of XXXX XXXX and XXXX XXXX who used a computer program called XXXX which was used to secure my computers and phone. That there is a criminal investigation ongoing with case number XXXX, and American Express is not doing their due diligence in contacting the detective working the criminal investigation is a nationwide scam, and there could be liability on their part by not completing a thorough investigation.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: RE : TIME-SENSITIVE MATTER CONCERNING ACCOUNT REVIEW SUBJECT : Suspended Accounts & Closed Accounts Due to Bank Errors ACCOUNT NUMBERS : XXXX, XXXX XXXX, XXXX To Whom it May Concern : My name is XXXX XXXX, and I am XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have been with XXXX now XXXX since XXXX, and I have never had any problems with them. However, XXXX merged with XXXX earlier last year, and my business accounts have been plagued with problems. The issues concerning the XXXX merger have been well documented in the news, CFPB, XXXX XXXX XXXX Civil Lawsuits, and the US Treasury Department. A litany of fraudulent ACH transfers has come through our accounts, and payments were returned in error. Previously, XXXX offered over-draft protection built into your account services, which would pull from your attached accounts to cover transactions. After the merger, they discontinued the service and replaced it with standard overdraft protection requiring a bank loan. They never informed the business clients of the changes! Instead, they kept returning payments and charging outrageous fees, even though there was money in all of the accounts. They have since changed it back, but you must keep clicking on those options daily ; otherwise, it resets itself and returns payments. Its a system glitch that they havent completely worked out. All this is challenging to my business because all my accounts are with XXXX. I have merchant processing, operating, client trust, payroll, and savings. It is not an easy task to move all of my accounts to a new bank and start the process of establishing ourselves and our transactional habits. I have included complaint letters that were sent to the XXXX XXXX XXXX XXXX for XXXX, Consumer Finance Protection Bureau, and The Georgia Attorney Generals Office. They have yet to fix our account along with reimbursements that total over {$9600.00} in fees that we do not owe. ***American Express Returned Payments*** I personally set up my business XXXX accounts as the payment source for my American Express cards due to using them for personal and business-related purchases. I have been with American Express since XXXX and I have paid my bills every month without late or returned payments. After the XXXX merger went live, I immediately could not access my accounts online, and all of my XXXX debit cards stopped working. I tried calling the bank directly but all of the internal branch numbers were non-operable. I then tried calling customer service, and the hold times were over four hours without the option for them to call you back without losing your place in line. I then went directly to the branch, but they did not have available staff to assist me because they did not know what was going on. After three days, I was able to get online, and I discovered the following : 1. There was a litany of unauthorized transactions that were taken from our accounts. 2. Multiple scheduled payments and direct debit-related payments were returned as NSF. 3. Multiple accounts had funding in excess of {$150000.00}, but overdraft protection was XXXX due to the merger, and we were charged excessive overdraft fees. 4. All of the account debit cards were canceled, and no other cards were issued as replacements. I immediately tried to reach out to the bank to no avail due to hold times being in excess of six hours. I actually stayed on hold for over five hours, and when the representative answered the phone, she immediately hung up. I called back the next day and I stayed on hold for nearly four hours, when the customer service rep finally answered the phone, I informed her of all of the fraud on our accounts and missing money and she referred me to the fraud department. She went on to state that there wasnt anyone in that department to speak with customers and that I had to submit a request in writing and that it would take up to 90 days to investigate and that there was nothing else that she could offer. I mentioned to her the lack of account accessibility due to the debit cards not working, and she said that I would have to wait three to four weeks for new debit cards to be issued. I then mentioned that our overdraft protection wasnt working and that payments are being returned when we have money in the bank to cover them. She stated that the account transfer overdraft feature was no longer valid and that I would need to apply for a bank loan overdraft account if I wanted overdraft protection. Shortly thereafter, our accounts continued to be plagued with fraudulent ACH requests, bogus computer-generated checks, and our payments being returned. At this point, I am being charged fees by XXXX and fees by our creditors for returned payments, in addition to bogus account analysis fees that exceeded hundreds of dollars. I was then forced to go to the XXXX branch in XXXX and speak with a branch manager. I told her all of the issues that I was experiencing and that I did not have any debit cards. She assured me that the problems I was facing were widespread and that the merger was a nightmare. She then looked into the XXXX banking system and noted that there wasnt a request for new cards and that the fraud department had not reviewed nor processed any of the claims that I submitted. She then ordered me new cards. After receiving the cards, they were immediately deactivated due to system errors, and new cards were ordered again that also did not work. To date, I do not have valid working cards, and fraudulent debits continue to come into the accounts. In XXXX of XXXX, I went to the bank and spoke with the branch manager XXXX XXXX regarding the fraud, missing money, returned payments, overdraft protection, erroneous bank fees, and the need to close out my accounts. He assured me that XXXX had a lot of merger-related problems and system issues that were still pervasive but that it was being worked out. He closed out our main account ending in # XXXX and opened a new one. Shortly after that, we started experiencing fraud in that account, in addition to our merchant account. Operating account and hold over accounts. I then filed complaints against the consumer finance protection bureau against XXXX. To date, the problems still persist, and I have not received a refund for fees and paid fraudulent transactions. XXXX XXXX XXXX have an account with XXXX and XXXX for client invoicing and payments. Our XXXX account started experiencing XXXX-related fraud transactions. The XXXX bank accounts were attached to XXXX for the purposes of accounts receivables from clients and for payroll. The thieves that were operating via XXXX, started putting through debits to XXXX. I have filed fraud complaints with XXXX regarding this matter, but because they came through as ACH-related transactions, they were paid. I then switched over all American Express payments and all other personal creditors to my personal XXXX XXXX XXXX XXXX account. I thought that this would stop the fraud, but I was wrong. XXXX XXXX XXXX XXXX was also attached to our XXXX account and thieves started sending debits from the XXXX XXXX XXXX XXXX accounts through XXXX. XXXX was no longer linked to send or receive payments via XXXX, so it defaulted to my personal XXXX account. At that point, I had fraud at XXXX, XXXX, and now XXXX. This resulted in return fees from XXXX XXXX, and a few payments were returned until they were notified about the fraud. We have since removed XXXX from all of my personal banks, and I only use it to process client payments, and the money is then transferred to a deposit-only account with another bank. XXXX XXXX has not returned any payments after they were alerted to the fraud, and they returned all fees that they charged my account. XXXX XXXX XXXX Transactions XXXX XXXX XXXX I have a XXXX XXXX XXXX that I have regularly used for years. I also am a XXXX XXXX XXXX. I have used and paid for this card for years without problems until the fraud started with the XXXX merger. Someone has used my XXXX account for over two years with XXXX in the monthly amount of $ XXXX {$29.00}. I have disputed this multiple times, and I requested for a block to be placed on my account to stop the fraudulent transactions. I also reached out to XXXX, but they would not provide me with any information because they did not see a membership account under my name. To date, I have not received a full refund for those fraud charges, and my request for a replacement card with a new account number has never been honored. ***American Express Delta Reserve Card*** I have held this account since XXXX, and I have overpaid it on many occasions, and I have never been late. I am a platinum Medallion member of XXXX XXXX, and I use this card and my Delta Medallion benefits on a regular basis. I travel extensively for work and have used the aforementioned card globally. Losing this card would directly affect my platinum medallion status and work-related travel. I applied for the card, and I agreed to pay the annual fee of {$550.00} because it benefits my work-related travel, it offers services and protection that I need, and I am a loyal customer. I would never jeopardize my benefits by not paying my bills in a timely matter or using deceptive means to delay paying my bills. I am stating empathically that XXXX has caused a division between us, and they should be held accountable. Additionally, I filed a dispute against a Delta charge that was made in XXXX of XXXX. The ticket was booked in error by a Delta customer service representative for an itinerary that I did not choose. I filed complaints with Deltas Office of the President, the Department of Transportation, and Delta customer service. I was supposed to receive a refund and mileage credits from XXXX XXXX, per a medallion customer service agent, but they were never applied to my account. American Express issued a provisional credit and instructed me to supply supporting documentation. I complied with all requests, and shortly thereafter, the provisional credit was removed without notice, and my account was placed in an over the limit status. My accounts are now in jeopardy of being closed or canceled due to XXXX 's negligence in returning payments when there was money in the accounts to cover them. I would further add that XXXX and XXXX XXXX XXXX XXXX suffered from a continuation of XXXX fraud. Additionally, I encouraged my daughter XXXX XXXX XXXX to apply for two American Express Cards, the Platinum American Express and the Delta Gold Sky miles account. She added me as an additional cardholder to both accounts, and I used the XXXX account as the payment account for both of her cards in addition to my own. XXXX has XXXX and XXXX XXXX, and although she is completely functional and coherent, she requires me to facilitate the paying of her bills. XXXX works for the family law firm as a paralegal, and I pay her portion of the bill directly from her payroll deductions. In addition, XXXX travels for the business and she uses the card for meals and entertainment, and other expenses. I also have her POA for financial-related matters due to her not being comfortable with speaking to people. Due to the fraud at XXXX, both of XXXX 's American Express cards have been canceled without the opportunity to show proof that we are the victims of fraud. This act will ruin her credit and prevent her from ever having an American Express card in the future. I reached out to account review, and they said that they did not care about the fraud and that her account would remain closed. I have provided a breakdown in the chart below : ***American Express Account Review*** XXXX XX/XX/XXXX, I was notified being email that both of my American Express Accounts are under account review due to being over the credit limit and return payments. I also received two separate emails from XXXX stating that both of her American express accounts were canceled. I immediately reached out to American Express, and the agent instructed me to send over two months of bank statements, and they would then decide if they would unblock my account. At this point, it seems like there is a concerted effort to shut down and close all of our accounts due to the XXXX fraud that resulted in returned payments alone and customer services ' lack of understanding as to what really happened, and denial from American Express to provide proof of what has happened. I would like to formally go on record by stating that there have been returned payments that are reflected on my XXXX XXXX statements along with NSF charges. Delta was alerted to the fraud and supplied supporting documentation. They have refunded all of the overdraft fees and I have requested a letter from them that states my account was affected by fraud which resulted in returned payments. I am explaining all of this, so that account review will not decide to close out my account when they see return payments on my statements. ***In Closing*** I am requesting that all of the aforementioned accounts remain open and non-suspended. I am asking for all return check fees that were assessed to the accounts to be removed and a guarantee that XXXX will not face American Express sanctions or be labeled in their system for NSF activity and/or fraud. I have enclosed all of the account numbers and XXXX contact information if you need to get authorization to speak with me on her behalf. As always, please do not hesitate to reach us directly by phone at ( XXXX ) XXXX for any questions or concerns that you may have. Again, thank you for your time in resolving this matter, and we look forward to hearing from you.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: RE : TIME-SENSITIVE MATTER CONCERNING ACCOUNT REVIEW SUBJECT : Suspended Accounts & Closed Accounts Due to Bank Errors ACCOUNT NUMBERS : XXXX, XXXX XXXX, XXXX To Whom it May Concern : My name is XXXX XXXX, and I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been with XXXX now XXXX since XXXX, and I have never had any problems with them. However, XXXX merged with XXXX earlier last year, and my business accounts have been plagued with problems. The issues concerning the XXXX merger have been well documented in the news, CFPB, XXXX XXXX XXXX, Civil Lawsuits, and the US Treasury Department. A litany of fraudulent ACH transfers has come through our accounts, and payments were returned in error. Previously, XXXX offered over-draft protection built into your account services, which would pull from your attached accounts to cover transactions. After the merger, they discontinued the service and replaced it with standard overdraft protection requiring a bank loan. They never informed the business clients of the changes! Instead, they kept returning payments and charging outrageous fees, even though there was money in all of the accounts. They have since changed it back, but you must keep clicking on those options daily ; otherwise, it resets itself and returns payments. Its a system glitch that they havent completely worked out. All this is challenging to my business because all my accounts are with XXXX. I have merchant processing, operating, client trust, payroll, and savings. It is not an easy task to move all of my accounts to a new bank and start the process of establishing ourselves and our transactional habits. I have included complaint letters that were sent to the Office of the President for XXXX, Consumer Finance Protection Bureau, and The Georgia Attorney Generals Office. They have yet to fix our account along with reimbursements that total over {$9600.00} in fees that we do not owe. ***American Express Returned Payments*** I personally set up my business XXXX accounts as the payment source for my American Express cards , due to using them for personal and business-related purchases. I have been with American Express since XXXX, and I have paid my bills every month without late or returned payments. After the XXXX merger went live, I immediately could not access my accounts online, and all of my XXXX debit cards stopped working. I tried calling the bank directly but all of the internal branch numbers were non-operable. I then tried calling customer service and the hold times were over four hours without the option for them to call you back without losing your place in line. I then went directly to the branch, but they did not have available staff to assist me because they did not know what was going on. After three days I was able to get online and I discovered the following : 1. There was a litany of unauthorized transactions, that were taken from our accounts. 2. Multiple scheduled payments and direct debit-related payments were returned as NSF. 3. Multiple accounts had funding in excess of {$150000.00}, but overdraft protection was disabled due to the merger, and we were charged excessive overdraft fees. 4. All of the account debit cards were canceled and no other cards were issued as replacements. I immediately tried to reach out to the bank to no avail due to hold times being in excess of six hours. I actually stayed on hold for over five hours, and when the representative answered the phone, she immediately hung up. I called back the next day, and I stayed on hold for nearly four hours ; when the customer service rep finally answered the phone, I informed her of all of the fraud on our accounts and missing money, and she referred me to the fraud department. She went on to state that there wasnt anyone in that department to speak with customers and that I had to submit a request in writing and that it would take up to 90 days to investigate, and that there was nothing else that she could offer. I mentioned to her the lack of account accessibility due to the debit cards not working and she said that I would have to wait three to four weeks for new debit cards to be issued. I then mentioned that our overdraft protection wasnt working and that payments were being returned when we had money in the bank to cover them. She stated that the account transfer overdraft feature was no longer valid and that I would need to apply for a bank loan overdraft account if I wanted overdraft protection. Shortly thereafter, our accounts continued to be plagued with fraudulent XXXX requests, bogus computer-generated checks, and our payments being returned. At this point, I am being charged fees by XXXX and fees by our creditors for returned payments, in addition to bogus account analysis fees that exceed hundreds of dollars. I was then forced to go to the XXXX branch in XXXX and speak with a branch XXXX. I told her all of the issues that I was experiencing and that I did not have any debit cards. She assured me that the problems I was facing were widespread and that the merger was a nightmare. She then looked into the XXXX banking system and noted that there wasnt a request for new cards and that the fraud department had not reviewed nor processed any of the claims that I submitted. She then ordered me new cards. After receiving the cards, they were immediately deactivated due to system errors, and new cards were ordered again that also did not work. To date, I do not have valid working cards and fraudulent debits continue to come into the accounts. In XXXX of XXXX, I went to the bank and spoke with the branch manager XXXX XXXX regarding the fraud, missing money, returned payments, overdraft protection, erroneous bank fees, and the need to close out my accounts. He assured me that XXXX had a lot of merger-related problems and system issues that were still pervasive but that it was being worked out. He closed out our main account ending in # XXXX and opened a new one. Shortly after that, we started experiencing fraud in that account, in addition to our merchant account. Operating account and hold over accounts. I then filed complaints against the consumer finance protection bureau against XXXX. To date, the problems still persist, and I have not received a refund for fees and paid fraudulent transactions. Sterling legal services have an account with XXXX and XXXX for client invoicing and payments. Our XXXX account started experiencing Truist-related fraud transactions. The XXXX bank accounts were attached to XXXX for the purposes of accounts receivables from clients and for payroll. The thieves that were operating via XXXX, started putting through debits to XXXX. I have filed fraud complaints with XXXX regarding this matter, but because they came through as ACH-related transactions, they were paid. I then switched over all American Express payments and all other personal creditors to my personal XXXX XXXX XXXX XXXX account. I thought that this would stop the fraud, but I was wrong. XXXX XXXX XXXX XXXX was also attached to our XXXX account, and thieves started sending debits from the XXXX XXXX XXXX XXXX accounts through XXXX. XXXX was no longer linked to send or receive payments via XXXX, so it defaulted to my personal XXXX account. At that point, I had fraud at XXXX, XXXX, and now XXXX. This resulted in return fees from XXXX XXXX and a few payments were returned until they were notified about the fraud. We have since removed XXXX from all of my personal banks, and I only use it to process client payments, and the money is then transferred to a deposit-only account with another bank. XXXX XXXX has not returned any payments after they were alerted to the fraud and they returned all fees that they charged my account. XXXXAmerican Express Fraudulent Transactions XXXX XXXX XXXX I have a XXXX XXXX XXXX that I have regularly used for years. I also am a XXXX XXXX XXXX. I have used and paid for this card for years without problems until the fraud started with the XXXX merger. Someone has used my XXXX account for over two years with TransUnion.com in the monthly amount of $ XXXX {$29.00}. I have disputed this multiple times, and I requested for a block to be placed on my account to stop the fraudulent transactions. I also reached out to XXXX, but they would not provide me with any information because they did not see a membership account under my name. To date, I have not received a full refund for those fraud charges and my request for a replacement card with a new account number has never been honored. XXXXAmerican Express XXXX XXXX XXXX XXXX have held this account since XXXX and I have overpaid it on many occasions and I have never been late. I am a platinum XXXX member of XXXX XXXX and I use this card and my XXXX XXXX benefits on a regular basis. I travel extensively for work, and I have used the aforementioned card globally. Losing this card would directly affect my platinum medallion status and work-related travel. I applied for the card, and I agreed to pay the annual fee of {$550.00} because it benefits my work-related travel, it offers services and protection that I need, and I am a loyal customer. I would never jeopardize my benefits by not paying my bills in a timely matter or using deceptive means to delay paying my bills. I am stating empathically that XXXX has caused a division between us and they should be held accountable. Additionally, I filed a dispute against a XXXX charge that was made in XXXX of XXXX. The ticket was booked in error by a XXXX customer service representative for an itinerary that I did not choose. I filed complaints with XXXX Office of the President, the Department of Transportation, and XXXX customer service. I was supposed to receive a refund and mileage credits from XXXX XXXX, per a medallion customer service agent, but they were never applied to my account. American Express issued a provisional credit and instructed me to supply supporting documentation. I complied with all requests, and shortly thereafter, the provisional credit was removed without notice, and my account was placed in an over the limit status. My accounts are now in jeopardy of being closed or canceled due to XXXX 's negligence in returning payments when there was money in the accounts to cover them. I would further add that XXXX and XXXX XXXX XXXX XXXX suffered from a continuation of XXXX fraud. Additionally, I encouraged my daughter XXXX XXXX XXXX to apply for two American Express Cards, the XXXX American Express, and the XXXX Gold Sky miles account. She added me as an additional cardholder to both accounts, and I used the XXXX account as the payment account for both of her cards in addition to my own. XXXX has XXXX and XXXX XXXX, and although she is completely functional and coherent, she requires me to facilitate the paying of her bills. XXXX works for the family law firm as a paralegal, and I pay her portion of the bill directly from her payroll deductions. In addition, XXXX travels for the business and she uses the card for meals and entertainment, and other expenses. I also have her POA for financial-related matters due to her not being comfortable with speaking to people. Due to the fraud at XXXX, both of XXXX 's American Express cards have been canceled without the opportunity to show proof that we are the victims of fraud. This act will ruin her credit and prevent her from ever having an American Express card in the future. I reached out to account review, and they said that they did not care about the fraud and that her account would remain closed. I have provided a breakdown in the chart below : **** American Express Account XXXX On XX/XX/XXXX, I was notified being email that both of my American Express Accounts are under account review due to being over the credit limit and return payments. I also received two separate emails from XXXX stating that both of her American express accounts were canceled. I immediately reached out to American Express, and the agent instructed me to send over two months of bank statements, and they would then decide if they would unblock my account. At this point, it seems like there is a concerted effort to shut down and close all of our accounts due to the XXXX fraud that resulted in returned payments alone and customer services ' lack of understanding as to what really happened, and denial from American Express to provide proof of what has happened. I would like to formally go on record by stating that there have been returned payments that are reflected on my XXXX XXXX statements along with NSF charges. XXXX was alerted to the fraud and supplied supporting documentation. They have refunded all of the overdraft fees and I have requested a letter from them that states my account was affected by fraud which resulted in returned payments. I am explaining all of this, so that account review will not decide to close out my account when they see return payments on my statements. XXXX XXXX I am requesting that all of the aforementioned accounts remain open and non-suspended. I am asking for all return check fees that were assessed to the accounts to be removed and a guarantee that XXXX will not face American Express sanctions or be labeled in their system for NSF activity and/or fraud. I have enclosed all of the account numbers and XXXX contact information if you need to get authorization to speak with me on her behalf. As always, please do not hesitate to reach us directly by phone at ( XXXX ) XXXX for any questions or concerns that you may have. Again, thank you for your time in resolving this matter, and we look forward to hearing from you.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX, XXXX of American Express regarding an auto policy refund that was sent to American Express by XXXX from XXXX XXXX XXXX California XXXX XXXX XXXX ). My father passed away on XX/XX/XXXX so I called American Express and XXXX XXXX to close/cancel his account. When I canceled my late fathers auto insurance policy, hes supposed to receive a refund of {$500.00}. When I called XXXX XXXX, they stated that they sent the refund to American Express since my late XXXX uses his American Express credit card to pay his auto insurance. Per XXXX XXXX, the refund check was sent on XX/XX/XXXX reference number XXXX. Up to this time, I have not heard from American Express regarding my letter that was sent via certified mail and received on XX/XX/XXXX.
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit file.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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 urgently bring to your attention my ongoing dispute with American Express regarding a missing package. The matter pertains to a package that was allegedly delivered to me on XX/XX/XXXXXXXX XXXX The package in question was a XXXX XXXX XXXX, XXXX XXXX, which I had ordered from XXXX online store and paid for {$30000.00} via my American Express credit card. I also paid an additional {$25.00} for XXXX next day air saver with signature required service. Unfortunately, the package did not arrive as scheduled on XX/XX/XXXX. Upon checking the tracking number, I discovered that the package had been delivered on the same day at XXXXXXXX XXXX However, I was home all day waiting for the package, and no one attempted to deliver or asked for my signature at XXXXXXXX XXXX When I checked my security camera, I saw that no one had attempted to deliver the package all day. Despite my repeated attempts to resolve the issue, neither XXXX nor the merchant, XXXX, has been able to provide a satisfactory resolution. On XX/XX/XXXXXXXX XXXX I contacted XXXX, who referred me to the sender/merchant to file a claim. However, the merchant could not help me with the missing package. I subsequently filed a credit dispute with American Express on XX/XX/XXXX XXXX XXXX. On XX/XX/XXXX, I received an online secure message from American Express that my dispute was denied based on the supporting documentation provided by merchant. As soon as I received a message from American Express, I called American Express customer service. I explained about my situation, the gentleman acknowledged and reopened a dispute. During our conversation, he didnt even take a note about what I said. I wanted to make sure that he understood and asking him to confirm, he didnt even recall what I just said, I told him to please write a note because I am concerned. He said he will write a note. On XXXX XXXX, XXXX, I received a message from American Express that their decision wont change. Furthermore, I emailed Risk Mitigation ManageXXXX at XXXX, on XX/XX/XXXX, to request information on the location and address where the package was delivered, the name of the person who delivered it, and a proof copy of the signature from the receiver. However, I did not receive any response from the merchant. On XX/XX/XXXX, I contacted XXXX customer service to provide me with proof of delivery and signature. After reviewing the delivery information provided by XXXX, I discovered that the document had been signed by someone other than me, and my signature had been forged on this document. I filed a police report on XX/XX/XXXX, and the police have confirmed the forgery of my signature. On XX/XX/XXXX I filed a dispute with American Express for third times, Despite providing all the relevant documents, driver license for proof of my signature, including the police report, American Express has investigated my inquiry on prior occasions, and their decision has not changed. I am extremely disappointed with American Express 's service, given the evidence that clearly shows the signature on the proof of delivery is a forgery, and that I did not receive the package in question. Therefore, I demand immediate action be taken to thoroughly investigate this matter and assist in recovering my lost package and identifying the individual responsible for the forgery. Thank you for your urgent attention to this matter.
Company Response:
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( AMEX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A