Date Received: 2023-02-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Dating back to XX/XX/2022 someone who works for American Express unlawfully closed all three credit credit card accounts that were under the estate of XXXX XXXX XXXX. Those accounts were not held by the financial institution of American Express. Since, I have been mailed multiple billing statements with the wrong amount. The amount showing on the billing statements are in a positive balance. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading. All three credit card accounts should have a monthly zero balance because your financial institution received collateral equal to the credit amount when receiving application from the estate. Since the unlawful closing of all three accounts, stress and anxiety has been placed on my shoulders. Your financial institution continues to make false negative reports to credit reporting agencies. No one from the estate has granted your financial intuition permission to administrate the estate.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company American Express has been charging illegal fee which were never authorized and the amount is very high. I was never been notified of the charges mentioned.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: So ive been fighting a fraud case with American Express for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except American Express. What makes this case more of a headache is that i have 2 Amex cards that were charged with the same amount from the same merchant ( Delta Platinum & Delta gold ). The charges on the platinum was resolved within days of the case being open but the gold card is going on 4 months with no response. Amex has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting amex every week for an update but they have refuse to give me an answer.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This is a billing problem with American Express XXXX cards -- I pay MONTHLY the balance in FULL. There is no carry over ( I do not use pay over time ). EVEN when paid in FULL each month by the XXXX ... ... they will put a CARRY OVER balance ( that was already paid ) with the payments due -- in reality-paying the same charges TWICE ( as they were paid the previous month. American EXPRESS said a XXXX XXXX is going to review the account -- but I was working 2 jobs with a XXXX XXXX son and didn't pay attention -- just PAID the bills. He XXXX and then some time later I started paying attention -- I charged {$2700.00} this month and paid already 1989 towards this bill ( should owe about XXXX total ). But the bill is XXXX as American Express added " previous balance of {$1000.00} " is why it's so high ( BUT this bill was already paid in XXXX each month including last month and there should be no previous balance. I went back over the entire year -- and this was DONE every month although the balance is ALWAYS paid in full by the XXXX as well as sometimes paying more ( say {$450.00} is due and balance is XXXX more from items after the closing I will pay {$700.00} and pay it all off... but still the ENTIRE balance will carry over as a PREVIOUS BALANCE?? When I called and explained this to American Express and then told them I was going to put in a complaint to you -- she then said they would have a " XXXX XXXX '' call me within 24 hours to discuss my concerns. She was not able to explain to me why a balance that was paid in full each month is carried over ( charges not payments ) and PAID TWICE.
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: Hi I have a complaint about American Express serve. I had to Oder a replacement card as mine was damaged upon doing so I have received my card but now the keep telling me that my account is under review it would be 1-2 business days and this was on XX/XX/XXXX I called again today XX/XX/XXXX and was told that they would send another email to the investigation team that they still have not received any fees back I just want to be able to prove its me trying to use my money
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received today, XXXX/XXXX/23 a complaint from the XXXX XXXX NJ XXXX about a suit filed by XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( Attorney ID XXXX ) on behalf of American Express National Bank- which is NOT the credit card issuer. I reached out to American Express on XXXX/XXXX/23 via phone # ( XXXX ) XXXX I have made all of my monthly payments to American Express via their account portal, the most recent on XX/XX/23. They have accepted ALL of my payments. In speaking with the first representative, " XXXX '' employee XXXX XXXX she stated that the account is now being handled by an outside company called " XXXX '' - this issue at hand - ( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( 2 ) American express can not tell us WHEN it was transferred ( 3 ) the complaint is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay, not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! I was transferred to another representative, XXXX 's supervisor supposedly. His name was " XXXX '', Employee ID " XXXX ''. XXXX reiterated that the account was transferred to an outside agency " XXXX '' and that we would have to speak to them. AGAIN...... explained to XXXX .... ( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( XXXX ) American express can not tell us WHEN it was transferred ( XXXX ) the complaint we received is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay -not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! XXXX was extremely Rude, belligerent, and unprofessional when we questioned why ( a ) if transferred to an outside agency, why they " American Express '' is still accepting my payments. ( b ) why I was never sent any notification of the Transfer ( c ) why I'm receiving a complaint from the NJ XXXX with a filing from an attorney NOT representing said agency but instead, Representing American Express! he disconnected our call! I am simply asking for information, a paper trail - that American Express seems to either not want to provide, or can not! Can someone please assist. as the consumer, I hae a right to the correspondence. I then spoke to another customer service Representative, " XXXX '', XXXX ID XXXX and she again, reading from a script, no doubt - would not connect me to a supervisor.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me several times a day, I say hello and they say nothing. They hang up on me. I searched the number finding out it was American Express. Tried to resolve this with them, yet Im still being called and hung up on by them.
Company Response:
State: TX
Zip: 789XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Around 2018, fraudulent charges occurred on my American express card. I was notified by a call from American express because the charges occurred within minutes of each other from different states. I specifically remember the representative asking me how was the weather where I was. I answered it was cold and raining however the card was being used Texas at a XXXX XXXX, Florida at a XXXX XXXX, and then in XXXX at some type of resort. I was prompted to follow the fraud protocol including filing a police report. This account is still reporting on my credit as charged off as bad debt. When in fact is was fraud.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Bellow is my communication with XXXX who has been no help. They resolved the fraudulent accounts, have told me they sent the credit balance refund for the money drafted against my checking account without my authorization, but have not revived these checks for months in the amount of XXXX XXXX XXXX XXXX and XXXX. Hello? From : XXXX XXXX XXXX XXXX Sent : XXXX XX/XX/XXXX XXXXXXXXXXXX XXXX XXXX : American Express Executive Assist XXXX Subject : Re : A message from American Express Executive Customer Care XXXX , I need to speak with you prior to end of business. This is an urgent matter, credit balances have been made known to me and payment is required today. If I dont hear from you before XXXXXXXX I will be pressing charges without further consideration. XXXX XXXX XXXX From : American Express Executive Assist XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXXXXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : A message from American Express Executive Customer Care American Express ( XX/XX/XXXX XXXXXXXX XXXX ) Thank you for your recent correspondence to the Executive Office. I am in receipt of your email, however, you have reached me outside of office hours. Please note that my office hours are XXXX XXXX XXXX XXXX XXXX Customer ( XX/XX/XXXX XXXX XXXX ) Following up Customer ( XX/XX/XXXX XXXX XXXX ) Correction, the security pin on the accounts is XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : American Express Executive Assist ; XXXX, XXXX ; c-Claim Inbox ; Financial Lines Claims Ops Subject : Re : A message from American Express Executive Customer Care Good evening XXXX, I hope this email finds you well. Its been over two weeks since I initially heard back from you and the accounts ending in XXXX totaling XXXX + of unauthorized drafts by American Express to my checking account American Express did not have the authorization to link to this account, was resolved in writing on the XXXX of XXXX. In addition, XXXX of payments taken without authorization against that same checking for the resolved fraud account ending in XXXX. If your fraud department has not responded by now, Im concerned my only option is to bring them to court. I need to you to gather a solution by the end of business Wednesday. Weather we can resolve it in house as XXXX XXXX claims Amex is liable for drawing against the account without authorization, you guys were only authorized to draw for the valid applications, and it was the online account takeover with Amex that allowed this nightmare to take place, not XXXX XXXX, and the account is closed and they claim it is unserviceable in this closed status, and they clearly dont have the funds, Amex processed them and own liability. If I cant get this resolved with you by Wednesday, I do hope, as agreed, you will have a plan as to how we can work together to recover these funds, by law, Amex has 7 days from the date the credit balance refund is requested to get it together. Its a federal law under fair credit acts that enables me to pursue damages, as well as the false reporting of these account under my name, and ect. Your fraud department has been an impossible entity that has cost me time, money, and my well being. If they arent willing to do the right thing, Im prepared to bring them in front of a judge and hopefully alter Amex policys and procedures so no one becomes a victim the way I continue to be victimized every day. I was expecting a call from you, do expect to have the company served for 6 figure damages Thursday or at least file for them if my money and well being is continued to be neglected, by a generous extension of time Im allowing you guys to work on this, as federal law allows me to file suit against the company already as you are past the time allowed. No updates have been provided, you guys still are the last entity to have taken my money and processed it without my authorization and have offered absolutely no recovery for the funds your company continues to hold out of my reach, that do not belong to you without my consent, proven by your resolution of the fraud applications in writing, in the amount of grand larceny, past my federal rights. I expect a call tomorrow, if not by XXXX XXXX Wednesday, please respond with the time that works for you as my attorny will be present at this point. We will have a resolution for my funds back without sealing damages by Wednesday, or I will be pursuing 6 figures on both accounts involving too much neglect and damages to go unaddressed if Im not even offered the money I should already have in my pocket back. Beyond that, I need to discuss the blue cash every day and cash magnet accounts with yoy as Ive submitted addition documents to get all of the charges after those accounts were taken over disputed and resolved, and thats going to result in additional credit balance refunds, as the fraudster used the linked checking I had linked to those accounts to make payments On charges they made after the accounts were redirected from XXXX XXXX XXXX XXXX XXXX the place I opened those accounts to and the only address cards should have ever been sent to, but were routed to XXXX XXXX addresses. Its been a year since Ive started to try and resolve all of this mess allowed by a company that really claims customer service as a priority, and a year later, Im getting excited to bring the executives of this company to court so they can better understand how they need to do business different to protect consumers like my self for this traumatic, damaging, and financial crisis created by your company thats cost me close to if not more than {$30000.00} in funds Amex stole/ holds without true effort to resolve in a timely fashion, my credit worthiness, my health and well being as I fight for my money back with no resources left. I encourage your prompt response, Im done waiting, you guys are out of time, and if you make me wait past Wednesday, Im going to make it worth ny while rather than the fair and simple request for ny hard earned money on ny pocket that your company stole, continues to hold with knowledge, on top of the damages caused by the laws broken under the fair credit reporting act already reported to the federal trade commission, blocked by all credit reporting agencys, while I still get calls from collections knowing amex was not allowed to sell, trade, or place this debt with Collections after being blocked by all reporting agencys, and keep calling both myself, and even my fathers family business looking for me after such event. XXXX, Im disappointed, and the way this has been done with the amount of time you guys have had to resolve your wrong doings is truly disgusting. This is an absolute nightmare and unfair, I dont believe American Express should continue to operate and victimize anyone the way the companys neglect and illegal movements have impacted me and my family. Again, my number is ( XXXX ) XXXX, I appreciate your immediate attention. Best, XXXX XXXX XXXX XXXXXXXX XXXX XXXX nj XXXX XXXX Account security pin- XXXX XXXX - XX/XX/XXXX Deadline, XX/XX/XXXX XXXX XXXX From : American Express XXXX XXXX XXXX : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : A message from American Express XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) Good evening XXXX, I hope this email finds you well. Its been over two weeks since I initially heard back from you and the accounts ending in XXXX totaling XXXX + of unauthorized drafts by American Express to my checking account American Express did not have the authorization to link to this account, was resolved in writing on the XXXX of XXXX. In addition, XXXX of payments taken without authorization against that same checking for the resolved fraud account ending in XXXX. If your fraud department has not responded by now, Im concerned my only option is to bring them to court. I need to you to gather a solution by the end of business Wednesday. Weather we can resolve it in house as XXXX XXXX claims Amex is liable for drawing against the account without authorization, you guys were only authorized to draw for the valid applications, and it was the online account takeover with Amex that allowed this nightmare to take place, not XXXX XXXX and the account is closed and they claim it is unserviceable in this closed status, and they clearly dont have the funds, Amex processed them and own liability. If I cant get this resolved with you by Wednesday, I do hope, as agreed, you will have a plan as to how we can work together to recover these funds, by law, Amex has 7 days from the date the credit balance refund is requested to get it together. Its a federal law under fair credit acts that enables me to pursue damages, as well as the false reporting of these account under my name, and ect. Your fraud department has been an impossible entity that has cost me time, money, and my well being. If they arent willing to do the right thing, Im prepared to bring them in front of a judge and hopefully alter Amex policys and procedures so no one becomes a victim the way I continue to be victimized every day. I was expecting a call from you, do expect to have the company served for 6 figure damages Thursday or at least file for them if my money and well being is continued to be neglected, by a generous extension of time Im allowing you guys to work on this, as federal law allows me to file suit against the company already as you are past the time allowed. No updates have been provided, you guys still are the last entity to have taken my money and processed it without my authorization and have offered absolutely no recovery for the funds your company continues to hold out of my reach, that do not belong to you without my consent, proven by your resolution of the fraud applications in writing, in the amount of grand larceny, past my federal rights. I expect a call tomorrow, if not by XXXX XXXX Wednesday, please respond with the time that works for you as my attorny will be present at this point. We will have a resolution for my funds back without sealing damages by Wednesday, or I will be pursuing 6 figures on both accounts involving too much neglect and damages to go unaddressed if Im not even offered the money I should already have in my pocket back. Beyond that, I need to discuss the blue cash every day and cash magnet accounts with yoy as Ive submitted addition documents to get all of the charges after those accounts were taken over disputed and resolved, and thats going to result in additional credit balance refunds, as the fraudster used the linked checking I had linked to those accounts to make payments On charges they made after the accounts were redirected from XXXXXXXX XXXX XXXX XXXX Nj, the place I opened those accounts to and the only address cards should have ever been sent to, but were routed to XXXX XXXXXXXX addresses. Its been a year since Ive started to try and resolve all of this mess allowed by a company that really claims customer service as a priority, and a year later, Im getting excited to bring the executives of this company to court so they can better understand how they need to do business different to protect consumers like my self for this traumatic, damaging, and financial crisis created by your company thats cost me close to if not more than {$30000.00} in funds Amex stole/ holds without true effort to resolve in a timely fashion, my credit worthiness, my health and well being as I fight for my money back with no resources left. I encourage your prompt response, Im done waiting, you guys are out of time, and if you make me wait past Wednesday, Im going to make it worth ny while rather than the fair and simple request for ny hard earned money on ny pocket that your company stole, continues to hold with knowledge, on top of the damages caused by the laws broken under the fair credit reporting act already reported to the federal trade commission, blocked by all credit reporting agencys, while I still get calls from collections knowing amex was not allowed to sell, trade, or place this debt with Collections after being blocked by all reporting agencys, and keep calling both myself, and even my fathers family business looking for me after such event. XXXX, Im disappointed, and the way this has been done with the amount of time you guys have had to resolve your wrong doings is truly disgusting. This is an absolute nightmare and unfair, I dont believe American Express should continue to operate and victimize anyone the way the companys neglect and illegal movements have impacted me and my family. Again, my number is ( XXXX ) XXXX, I appreciate your immediate attention. Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account security pin- XXXX DOB - XX/XX/XXXX Deadline, XX/XX/XXXXXXXX XXXX XXXX XXXXesponse ( XX/XX/XXXX XXXXXXXX XXXX ) Dear XXXX, Thank you for contacting the Executive Office of American Express XXXX I am still investigating your inquiry. Your concern remains our priority. I am waiting to hear from our Fraud Department and will follow up when more information is available. Thank you for your patience. XXXX XXXX American Express Executive Office This is a customer service e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/fraudprotection. XXXX American Express Company. All rights reserved Ref # XXXX [ -- XXXX -- - ]
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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: Hold an Amex XXXX card with # XXXX, an unauthorized charge of {$160.00} was made by Amex XXXX on XX/XX/2022. Disputed it and Amex sent email on XX/XX/XXXX stating the dispute was resolved and {$160.00} will be credited back to my account within one billing circle. Never received it, and Amex online representative provides no useful resolution.
Company Response:
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A