Date Received: 2023-01-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Got a letter from American Express stating they needed some financial and income documents. Called and spoke with representative on XX/XX/XXXX. Confirmed that my paystubs and bank account info would be enough. They need two she said. I explained I get paid every two weeks. I sent in my next two paystubs. They received the later paystub on XX/XX/XXXX, although I sent it in late XXXX. They cancelled my account on XX/XX/XXXX after entering my information into their computer system on XX/XX/XXXX. I was told today that this was after the deadline, which I was unaware about. This was also not mentioned on the phone call I had on XX/XX/XXXX, although the representative knew I would be sending the second stub no earlier than mid XXXX. Why would they take my information and still cancel?
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2022, while on XXXX XXXX with the Virginia XXXX XXXX XXXX, I applied for and was approved for, the American Express XXXX XXXX. While still on XXXX XXXX American Express charged the {$690.00} annual fee to my account. I immediately contacted American Express and and requested it be removed pursuant to the MLA. They denied it. I have since contacted them XXXX more times and asked for the fee to be removed. They denied the XXXX additional requests and have simply ignored my XXXX request. Now, I am no longer on XXXX XXXX. However, when I applied for the card, was approved for the card and was charged the {$690.00} fee, I was on XXXX XXXX. My XXXX XXXX status at the time I applied for and was approved for the card was greater than 90 days.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am writing to file a complaint against American Express, for violation of consumer protection laws 15 USC 1681s-2 ( a ) and ( b ) of the FCRA requires lender to provide notice of such action of sale upon request, however despite these laws, the lender refused to provide such information when requested. Additionally, American Express only stated this action midway through our call, there otherwise was no real or legal cause for such action. My accounts with the Lender were sold without notice and without providing any information regarding the sale. Furthermore at the time of sale, all accounts were in good standing and no primary reason would have been necessary for the relative action. The Lender has refused to provide any information regarding who they sold the account to or why.
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: AMEX, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an AMEX product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. Again, - XXXX wanted me to contact AMEX - Get AMEX to mail me a letter address XXXX to have those AMEX hard inquiries deleted, as they were not mine. - If possible, please expedite the mail. Thank you As on my credit report, the dates from AMEX were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: We had a previous complaint where we identified the speciic issues we experienced when trying to close this account. That complaint # is XXXX if you need to review. AMEX did not answer and do what the said they would do from our initial XX/XX/22 @ XXXX. They said we were on time, would close our account, and not charge us the {$160.00} renewal fee. We no longer needed this card. They also said they were recording the conversation, but now, they can not find that recording, which makes it convenient for them to dispute our explaination of the call which was based on our notes. WHERE IS THE RECORDING OF OUR CONVERSATION OF THIS CALL as AMEX said they were making of the call? This will confirm or deny our complaint. Let me also confirm we have been an AMEX customer or more that 27 years and had no payment issues in all those years. We also called back on XX/XX/22 to confirm and pay the outstanding credit portion of the AMEX bill but not the renewal fee, which we we told NOT to pay. This information was also in the call that should have been recorded from XX/XX/22. Because they now can not find that recording, AMEX said we did not pay on time. Again, convenient to to them, not the consumer. So, where is the recording of this call? This was really deceptive to us. We reported this issue, but AMEX did not properly report to the credit agencies we have disputed this charge. AMEX did not tell us anything about our rights regarding credit disputes. AMEX reported us late on a debt to the credit reporting agencies, but, did not report any dispute which we made with AMEX, the XXXX, and the CFPB. This is DECEPTIVE to not report the consumer side of this dispute. The CPFB required in the past for AMEX to pay $ XXXX and another XXXX or $ XXXX for illegal credit card practices and consumer harm. What AMEX did to us both has harmed us credit wise and shown illegal practices by not disclosing our rights regarding disputes, and not giving us correctly information on what they wanted us to do to close our account. AMEX agreed with the CFPB to correct their practices and implement a sound risk based compliance management system. We do not see their actions as complying to fix these deceptive practices. They can not find the recording of the call and I also wrote to the CEO of AMEX and other executives of these practices. I am a senior and instead of cancelling my card, when I called to confirm the cancellation, the sent me to XXXX XXXX XXXX. AMEX tried to make me keep a card I did not need. They said they would give me a credit or {$160.00}, and when I made a follow-up call I found AMEX did not cancel my card. This was very deceptive on their part. Why is THE RECORDING OF MY CONVERSATION? We disputed these charges and AMEX started charging us a late fee and sending text messages to both of our personal phones we needed to reinstate out account while we are in this dispute with AMEX. That too seems very deceptive. To say they will give us credit and yet charge us late fees for the very charge we disputed. If AMEX produced the RECORDING OF THIS CALL AS THEY SAID THEY WERE RECORDING, we could resolve this dispute easily. I also consider this deceptive.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Last year I settled an account with AMEX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called Amex multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also XXXX XXXX is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had XXXX returned payments because my bank account was frozen and closed due to fraudulent activity from a different card. {$4000.00} was stolen from the bank account that I usually use to make my Amex payments. I informed Amex about the situation and they told me its okay just make payment from different bank account. Considering I have XXXX bank accounts I did and my payments were up to date. I always pay on time and pay off my cards before the end of billing cycle. I had another returned payment because I chose the wrong bank account and I asked Amex to stop trying to take the money out of the account XXXX times. I told them that bank account is the wrong account and I dont use the account and to cancel the payment since I realized my mistake before and made the payment right away with my different account. Amex then told me they need to verify funds from a different bank account which we did. I had sufficient money in there and they unblocked my card. After multiple times of telling them to stop trying to take money from the wrong bank account they did not and kept trying and trying. My Amex card balance is currently XXXX. They actually owe ME money. On top of that I just paid my {$690.00} membership fee which they informed me I might not even get back which is theft, I just paid them {$690.00} for membership and they then close my account? Seems kind of fraudulent to me. They then took {$1200.00} worth of points from me as well. I have been a member with Amex since 2017 I believe starting with XXXX Amex and then gold Amex and platinum. I have paid on time always and never missed a payment. What they are doing is fraudulent and I either would like my platinum card reinstated as well as my gold card or my membership fees back for both cards since they didnt even allow me to finish my year of membership with my gold card. Thats {$250.00} in membership fee for gold card and {$690.00} for platinum. Plus I would like my balance sent to me in form of check. I really would rather have my card reinstated and my points back but if not this is theft.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had started an Amex account a little over a year ago and decided to cancel the card before the yearly fee for renewal came due. I cancelled my card after both texting the online chat option that Amex offers as well as a quick phone call to confirm a question. When I did this I asked if there were any ramifications that I would run into and was told in both instances that there were no extra charges. Later I was notified that I had been charged a {$300.00} charge for canceling the account which was associated with an initial offer that the Amex card had offered after purchasing $ x, xxx amount with their card within the first few months. I was only notified of this charge was due right at the due-date. Upon seeing this I called into their customer service number to see if there was a way to avoid this fee and/or restart the account to just pay the yearly fee and avoid the higher fee. I was told that was not possible, but I could escalate the issue to a manager who would later call me back in a few days. I received several calls from a manager at times in the middle of the night or early morning ( well outside normal business or working hours ) and was left with no way to call them back other than call into their general customer service phone number and continue to play phone tag with their managers or someone who could answer the questions I had.
Company Response:
State: WA
Zip: 98108
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is not my authorized inquiry
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged {$41.00} as interest. When I talked to amex they said it was a late fee. Bill was due XX/XX/2023. I never received bill. I received bill XX/XX/XXXX after talking to XXXX at amex. The bill was sent in one envelope and a duplicate bill in another envelope... both received XX/XX/XXXX. I paid the total bill ( including the XXXX ) on XX/XX/XXXX. I asked XXXX to send me a check for the XXXX. He said he would ask ..... I don't think I owe amex {$41.00} as I never received a bill
Company Response:
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A