Date Received: 2023-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREA Complaint department To AMERICAN EXPRESS TOTAL XXXX CHARGE OFF ACCOUNT AMOUNT : {$1400.00} DATE XX/XX/XXXX {$1900.00} DATE XX/XX/XXXX Dear AMERICAN EXPRESS agency manager, I am writing this letter to bring to your notice the following information added to my credit report for 2 account The amount 1- {$1400.00}. 2- {$1900.00} are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and this account has been closed over 7 years and the name of both account under limited liability business, credit reporting agencies notified to delete any trade line and this collection agency has no further contact me regarding this account. I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX
Company Response:
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: your company violate15 USC 1681c-2 : Block of information resulting from identity theft
Company Response:
State: FL
Zip: 34972
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
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: Item ( The XXXX XXXX x XXXX down jacket ) was purchased on XX/XX/2022 for a total of {$2700.00}. Item was allegedly delivered on XX/XX/2022 and signed off by buyer. this is incorrect because buyer was not in the dwelling to receive the package. Buyer requested proof of signature to verify signee. Buyer reached out to merchant. Merchant did not provide any updates nor alternative solutions, besides " we'll look into it. Buyer unable to receive updates nor responses from merchant decides to escalate situation to creadit card company. Disputes have bene opening and closing without providing evidence nor a written statement providing a detail brief of what was found in investigation. Buyer simply gets email noting. dispute has been in favour of merchant. dispute keeps opening and closing without proof nor reaching out to buyer regarding outcome, nor answering buyer 's questions. Credit card company keeps saying they will investigate, but instead, dispute keeps getting closed and my evidence keeps getting taking down everything they close the dispute. credit card company has proof me reaching out to merchant, trying to receive answers. and merchant does not repond.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: American Express National Bank and XXXX XXXX XXXX XXXX XXXX, without notice, filed a lawsuit against me in a state where I do not live and repeatedly contacted me to collect money.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been a longtime American Express customer and have paid lots and lots in fees over the years. One perk of one of my cards is a companion pass to use on XXXX. AmEx extended the deadline for use during the pandemic, but despite tons of XXXX travel issues in XXXX, refused to extend these passes ' deadlines again. As a result, I know lots of people who have been unable to use this benefit. I am scheduled to use one this weekend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX today to see if I can get a few week extension on the pass. XXXX said to call AmEx. I called AmEx, and AmEx said to call XXXX. I called XXXX again, and XXXX said to call AmEx. I called AmEx again and asked to speak with a manager. The CSR said that there was no manager available and someone would call back within 24 hours, but that AmEx would refuse to accommodate my request to extend ( or have reissued ) the companion ticket. This is really poor service, and shocking that during a pandemic, this business will not accommodate my simple request.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX : Opening this new case as a continuation of : XXXX. CFPB Ref No : XXXX, Ref : XXXX XXXX. CFPB Ref No : XXXX, Ref : XXXX Today I received the same " Closed with explanation '' notice from Amex indicating they tried to contact my wife " on XX/XX/XXXX and XX/XX/XXXX to obtain authorization but were unsuccessful ''. Strangely my wife 's phone show 's no missed calls and no voicemail.
At no stage during this case has Amex ever denied fault nor taken issue with being called liars. It is then safe to assume that Amex is, lying yet again in this case.
As a reminder then, you can call these numbers next time to contact my wife for authorisation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both these number have voicemail enabled. There's no need to be shy and just leave a voicemail so we can call you back : - ) ( Note : There is no point in redirecting us back to the Basic Cardmember Services contact as they are the Amex XXXX we are complaining about. On XX/XX/XXXX a Manager ( XXXX ) from that team confirmed they can not connect us directly to Amex " Customer Advocate Services Team '' and the only way to establish contact was via CFPB. ) < -- Prev correspondence history below. -- XXXX XX/XX/XXXX : Opening this new case as a continuation of XXXX The response I received from Amex response indicated : " Third Party Disclosure Laws and American Express privacy policy prohibit sharing certain types of information with unauthorized accountholders ''. They were not able to reach my wife 's mobile number and so the complaint was Closed. They redirected me back to Basic Cardmember services to address the issue. I just spoke with a Manager ( XXXX XXXX from that team who updated my wife 's account with a new mobile contact number. He advised that opening a new issue with CFPB was only way to establish contact with the " Customer Advocate Services Team '' that are are responsible for handling this complaint. The submission details here and below are then the same as for the prior complaint ( ending XXXX ).
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/15 Payment to my AMEX was made from the wrong account in Error my XXXX XXXX account XXXX - The payment didn't clear ( our fault ) - Amex notified me and I correct the issue and paid {$6500.00} from my XXXX again - However Amex continued to process the payment from XXXX even after the {$6500.00} was paid - I called AMEX and advised that they were paid and impacting my account and please stop trying to process the original payment of {$6300.00} - Amex XXXX refused to stop and claim there is no way to they need to keep processing for XXXX attempts - I called and told AMEX they were paid and still impacting my XXXX XXXX account causing my account to be overdrawn
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Dear, President XXXX XXXX I am XXXX XXXX XXXX XXXX, the living being and beneficiary of my estate which is the all CAPS NAME on my social security card XXXX XXXX XXXX XXXX. I am here to put you on notice that you have violated my rights because you got my information from AMERICAN EXPRESS without my permission/written consent. Before I move forward and seek litigation I would like to show you how you violated me and which laws were broken pursuant to the law, specifically the FDCPA. XXXX XXXX XXXX, XXXX, ( Identification number assigned by the bureau is : XXXX ) is a law firm that is also practicing debt collection. Any company that is participating in debt collection is regulated by the FDCPA ( Fair Debt Collection Practices Act ). The FDCPA put laws in place to protect consumers from abusive, deceptive, and unfair debt collection practices. Congress targeted such behavior because it found that [ a ] busive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 U.S.C. 1692. Yesterday, XX/XX/XXXX, I had multiple phone calls with multiple agents, breaking down how XXXX received my information and how they would move forward with my information. As I was on the phone with them I typed up multiple conversations of them violating different violations. None of the agents informed me of my right to ask the collection On one of the calls I spoke with an agent named XXXX XXXX that on XX/XX/XXXX, AMERICAN EXPRESS hired XXXX to collect on an alleged debt. Once they received the information they sent out a DEMAND LETTER on XX/XX/XXXX, stating they are in an attempt to collect on behalf of American Express, which is a violation of 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. He then went on to say they dont have anything on file with written consent stating that I gave XXXX XXXX to have ANY of my information. This is a violation of 15 usc 1692a ( abusive practices ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. CALL DIALOGUE- VIOLATIONS XXXX XXXX collection agency - law firm XXXX Told me they will collect on a debt and they are a law firm i spoke with XXXX XXXX XXXX XXXX XXXX XXXX stated that there in attempt a debt - 15 usc 1692b ( 2 ) The attorney is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on a call at XXXX on XX/XX/XXXX that american express XXXX XXXX XXXX XXXX XXXX XXXX on their accounts. you guys to collect on Thank you for calling the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i am not a attorney i am a collector this conversation is an attempt to collect a debt - 15 usc 1692b ( 2 ) XXXX XXXX - states they are contracted by american express - they are a third party corporation - if i dont pay the alleged debt that they will assign one of these attorney to the case to file a lawsuit. 15 usc 1692e ( 3 ) He told me if i dont pay then they will continue to call me which is harassment ( 15 usc 1692d ) he then transferred me to another associate XXXX XXXX XXXX i am a non attorney collections manager for the law firm of zwicker and associates pc this conversation is an attempt to collect a debt. Any information obtained will be used for that purpose states american express sent them my information XXXX XXXX ( 15 usc 1692d ) 15 usc 1692e11 They sent me a letter on XXXX XXXX, a demand letter stating they are in an attempt to collect on behalf of American express. ( 15 usc 1692d ( 2 ) ) ( 15 usc 1692d ( 1 ) ( 15 usc 1692e ( 11 ) He states they don't have anything on file with written consent stating that I gave XXXX consent to have ANY of my information. He states that they put their law firm letterhead on the documentation that they sent me. 15 usc 1692f ( 8 ) He states they never had written consent from me to contact me He states they will continue to contact me if i don't pay this alleged ( 15 usc 1692d ( 1 ) He states they won't lift the do not contact off of my account as i asked. He states he won't comply with my demand to delete all of my information from their file and send it back to American Express. Which means they are keeping my information in their file without my consent. He said he will not be deleting my information CEASE & DESIST This is a demand for you to cease all communication. Delete all of XXXX XXXX XXXX IIs information from your files and send it back to AMERICAN EXPRESS. CIVIL LIABILITY An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have an American Express Platinum card. One of the features is that whenever I rental car is booked using the card, a charge of {$19.00} is automatically charged in order to provide rental car insurance protection. This is a great feature of the card and protects the card holder in case of any damage to the rental car. However- if during the same rental another charge is made to the card ( such as for toll roads, parking fines, administration fees, deductible / excess charges for alleged accidents ) then another {$19.00} is automatically charged. Essentially, whenever any rental car company makes a charge to the card, {$19.00} is levied. This has happened to me on 4 occasions since XX/XX/2021. Amex refunds the erroneous additional charge, but my concern is that there are XXXX or XXXX of people out there who have not recognized this and so are owed money! It could be a huge scandal!
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A