Date Received: 2023-02-07
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 was incarcerated from XX/XX/22 to XX/XX/22 And Ive been a victim of fraud, I didnt open this account. Someone opened it with my credentials.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Reconciliation between XXXX XXXX and XX/XX/XXXX revealed a deficit of XXXX a small amount but this, as explained, prevents me from completing production accounts. Reconciliation was requested for a set of business account related to tax accounts required for a documentary production valued at XXXX XXXX. It was confirmed by 'Anthony XXXX the Amex representative that the company refer customers to fake supervisors. Call XX/XX/XXXX ... - Requested statement reconciliation allegedly 7-10 working days- XXXX/ customer service representative passed me to fake supervisor- XXXX the fake supervisor - promised supervisor would call 5-7 days - No supervisor call or confirmation of complaint sent to customer - XXXX sent escalation process XXXX email to escalations ) - nothing 17 days later ... no letter, email or XX/XX/XXXX ... XXXX XXXX / will try to put to XXXX XXXX called XXXX a fake manager- XXXX XXXX customer service representative ( senior consultant ) - Entire history explained to XXXX XXXX XXXX confirmed the complaint sent by XXXX XXXX XXXX confirmed that a complaint was raised and will take 15 business days XXXX confirmed case will be dealt with within to be XXXX working days. Today is when I needed this done.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see attached pdf for full complaint. I advise that you take this very seriously. I have already consulted legal counsel for a federal lawsuit against American Express for willful negligence for inaccurate reporting and will be seeking FCRA violations along with punitive damages up to {$450000.00}. I am giving you one last chance to fix or delete the inaccurate reporting. I have also sent a copy certified mail with USPS tracking # XXXX. You must think you are above Federal law, but I am a consumer who demands just and will go to any means to rectify the wrong you have caused. I have documented my case extremely thoroughly that will be brought against you and the credit reporting agencies.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi, I chatted to understand why I was charged interest and asked for the interest to be waived. I was told the interest was a rolling interest that started in XXXX, which made sense to me. When the rep tried to waive the interest, he advised me that after running my account through a system, my interest waive request was denied based on several factors such as payment history, spending, past requests, etc. I asked him specifically why my request was denied. He again stated that there were several factors considered as outlined. I am concerned that American Express is using my financial information and habits to make a decision that impacts me financially without giving me a reason for denial or outlining exactly what was considered in their decision. When I pressed, the representative exited the chat, thus refusing to answer any additional questions.
Company Response:
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have an American Express XXXX XXXX that had a {$1200.00} balance prior to XX/XX/2022. I went to use the card on XX/XX/2022 and found out it had been depleted with false charges not made by me. I was told by customer service I had to contact each merchant and try to recover the funds. The card was placed on hold during this process. I did this and was able to recover {$860.00} of the amount and the merchants returned that to the card. I have been calling and requesting a replacement card for 2 months and do not receive it. The customer service tells me there is not a way for them to provide proof the card is being sent or to send it with a tracking number. They claim to have sent 3 replacement cards that never arrive. I am told a different version of the process, timeline and story every time I call. I am asked for additional information that was never asked before and told that is why I have not received it, while also being told the cards have been sent. The wait times for customer service are lengthy, over 45 minutes typically and often the call is disconnected mid conversation and no one returns the call. I can not believe American Express would have their name on XXXX XXXX card that has this horrible level of customer service and all out fraudulent behavior. The fax and email address point to XXXX which has tons of similar complaints and news stories detailing this fraudulent and evasive behavior.
Company Response:
State: TX
Zip: 75225
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Someone has filled out a USPS mail forwarding form and it seems the credit card companies and banks use this as an " official '' notification of change of address so I have been making calls and correcting my address multiple times. My email has also been changed with some credit card companies. I've changed user ID and passwords but the USPS info. trumps all of this. The fraudulent address is : XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is showing on my consumer credit reports as a charge-off. 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, American Express 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 misleading practices.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I upgraded a card I had with Amex and was offered XXXX American Express rewards points after spending {$10000.00}. I upgrade the card and a few hours later, I chatted with Amex rep via their chat feature to confirm that my upgrade is completed. I was provided confirmation that I can start making the required spending as early as a few hours before the chat and that it would count towards my spending requirement. Later that day I made a purchase for {$10000.00}. I have now checked back with Amex via chat over XXXX times, where agents were confused about this, so this went to escalation XXXX times and I received confirmation multiple times via chat that I completed promotional offer requirements and that my bonus points will post no later than XXXX weeks. It has now been over XXXX weeks. I keep chatting with Amex, and they keep saying that their team is closing the case by mistake and that I am due by bonus offer of XXXX point and they will resend to the team to get the points posted. This happened XXXX XXXX already. The agents even provided time stamps to show that team that they are denying by mistake, but the team is negligent and is not reviewing information and time stamps or the chat records. Amex is now more than 30 days out of compliance for what they owe to me and I have escalated to managers which all promised that I will receive my offer soon. I have records of this chat. Please help raise this to a responsible individual so they can train their teams better to actually read and review information their chat agents provide.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There was a hard credit inquiry from XXXX XXXX XXXX on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. XX/XX/XXXX same hard credit inquiry happened but this time from American Express and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. On XX/XX/XXXX. A hard credit inquiry from XXXX was made on my credit and I have called and sent in several letters but nothing has been done about it. XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which XXXX did not approve nor was I aware off. I have written to them also and nothing has been done yet.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express Airline card I called AmEx on XXXX XXXX, 2023 to request a {$16.00} late fee be removed. I have been a long time customer of theirs and in the past 12+ months have always paid on time. My account is due on the XXXX of each month. I accidentally set up my on-line bill pay to send out the payment on the XXXX rather than it be paid on the XXXX. Granted a silly error on my part and I thought AmEx would be reasonable with me to reverse the fee given my good payment record. Realize with the 1 day late payment, the account was paid on the XXXX, AmEx increased my interest rate at well. Since I typically pay this account off monthly I did not complain to their customer service representative ( CSR ) about the rate hike. The CSR advised me that the fee was automatically applied and could not be reversed. This I told her was a silly response, to say automation applied it and a human could not reverse is just XXXX. I asked to speak with a supervisor and she expressed one would call me back and repeated my phone number to me. Well its been over a week and no one from AmEx has called me back to reverse my late fee. The CRS did offer to give me 3000 airline miles to appease me but I still wanted to speak with a supervisor. I understand automation but I need for a human to review my payment record and decide whether or not they value me as a customer and to be reasonable. I am disappointed in this large corporation and their CRS area.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A