Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Monday, XXXX XXXX XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required On Accounts : American Express- Non-Compliance with Written Instructions USPS TRACKING NUMBER : XXXX And Previous Recission of Permission to Furnished Data on My Consumer Report via Affidavit of Suretyship. Dear Consumer Financial Protection Bureau, I am writing to follow up on opt-out letters dated XX/XX/XXXX, opt out letters with notice to cure sent XX/XX/XXXX, and Affidavits of Suretyship Notarized XXXX XXXX XXXX in which I formally exercised my right to opt out of all authorizations, whether written or unwritten, verbal or non-verbal, that I have given to American Express XXXX XXXX and XXXX. This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. Regrettably, American Express, XXXX and XXXX have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. This is an ongoing and egregious violation of my consumer rights, as detailed in my previous communications. I must assert my demand for appropriate remedies to rectify the harm caused by the continued dissemination of inaccurate and unauthorized information. As previously stated, I have unequivocally rescinded all permission for the furnishing of my personal information, in perpetuity, in accordance with the Fair Credit Reporting Act ( 15 U.S.C 1681 ), Section 604. Despite these clear and legally binding instructions, American Express, XXXX and XXXX have persistently and willfully disregarded the law, leading to a severe compromise of my privacy and financial well-being. The repeated and intentional violation of federal statutes, including the Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Protection of Nonpublic Personal Information ( 15 U.S.C 6801 ), raises grave concerns about American Express, XXXX and XXXX 's commitment to respecting the privacy and security of consumers ' nonpublic personal information. At This Time, I am disputing the following accounts : Company Name : Account Number 1. American Express Account Ending : XXXX 2. American Express Account Ending XXXX 3. American Express Account Ending : XXXX 4. American Express Account Ending : XXXX 5. American Express Account Ending : XXXX 6. American Express Account Ending : XXXX 7. American Express Account Ending : XXXX 8. American Express Account Ending : XXXX 9. American Express Account Ending : XXXX 10. American Express Account Ending : XXXX 11. American Express Account Ending XXXX 12. American Express Account Ending XXXX 13. American Express Account Ending XXXX 14. American Express Account Ending XXXX 15. American Express Account Ending XXXX 16. American Express Account Ending : XXXX 17. American Express Account Ending : XXXX 18. American Express Account Ending : XXXX 19. American Express Account Ending : XXXX 20. American Express Account Ending : XXXX 21. American Express Account Ending : XXXX 22. American Express Account Ending : XXXX Below shows the proof of correspondence for Opt-Out Letters, notice to cure opt-out letters, and Affidavits of Suretyship sent by me to each company which have been fraudulently disregarded. See Additional Attachments for Copies of Contents Sent. AFFADAVIT OF SURETYSHIP Company Name : Contact Attempts Certified Mail Tracking Number XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Because the first contact attempts were disregarded, I saw fit to send a second attempt ; although by law, I am not required to tell an agency more than once to have these rectified. As such, they should have been rectified after receiving the first written instruction. XXXX 2nd Sent on XX/XX/XXXXXXXX on route. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX All attempts to have my written instruction performed properly have not been successful or rectified as of today by XXXX nor XXXX. OPT-OUT LETTERS Company Name Contact Attempt for Account Number Certified Mail Tracking Number American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CURE OPT-OUT LETTER : Accounts Enclosed : 1. American Express Account Ending : XXXX 2. American Express Account XXXX XXXX 3. American Express Account Ending : XXXX 4. American Express Account Ending : XXXX 5. American Express Account Ending : XXXX 6. American Express Account Ending : XXXX 7. American Express Account Ending : XXXX 8. American Express Account Ending : XXXX 9. American Express Account Ending : XXXX 10. American Express Account Ending : XXXX 11. American Express Account Ending XXXX 12. American Express Account Ending XXXX 13. American Express Account Ending XXXX 14. American Express Account Ending XXXX 15. American Express Account Ending XXXX 16. American Express Account Ending : XXXX 17. American Express Account Ending : XXXX 18. American Express Account Ending : XXXX 19. American Express Account Ending : XXXX 20. American Express Account Ending : XXXX 21. American Express Account Ending : XXXX 22. American Express Account Ending : XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX DELIVERED to American Express in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS tracking shown in attachments ) The Above shows a list of every account that has been Opted Out of data Furnishing with American Express including their tracking number displaying that they have been delivered and received. All attempts to have my written instruction performed properly have not been successful or rectified as of today. Sincerely, XXXX XXXX
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: on the XXXX of XXXX i purchased a american express XXXX XXXX of XXXX XXXX and each time i tried to use it said the bank was declined
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: To whom it may concern On XX/XX/XXXX i purchased a {$300.00} AMEX gift card from XXXX. Ending in XXXX. After calling to activate the card and check my balance. I attempted to use the gift card online that night to purchase a last minute XXXX gift. Tickets to a XXXX XXXX via the XXXX XXXX app. After repeated error messages. I gave up trying to use the Amex Gift online and attempted to use the Amex Gift Card at the gas station. After multiple attempts I was getting declined each time. Afterwards I check my balance. I have a available balance of {$290.00} with a XXXX XXXXt pending charge from XXXX. Which is still pending as of XX/XX/XXXX XXXXXXXX XXXX Est I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards. All they tell me is to try another merchant. ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund or send me a replacement card. Because they said I would have the same issue. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service. I have been unable to use this card for over a week. My money is inaccessible. All I want is the total balance on my card in cash/check or my funds accessible on a gift card. This whole process is extremely frustrating. Thank you for your help-
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I cant make any purchases with this card and it has a sufficient amount of funds.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My Hilton Honors account was compromised in XXXX XXXX due to fraudulent activity. I called Hilton Honors customer service to report the missing XXXX points and the blocked access to my online account. Customer service stated that my account was hacked. They took a few months to investigate the situation and restored my points in XXXX XXXX but my online access had not been restored. I called Hilton Honors customer service numerous times asking for assistance with requesting a new online password, but it was discovered that I was not getting any emails from Hilton Honors. Customer service stated that my email address was blocked when my account was compromised and that I needed to email the fraud department for assistance. I emailed the Hilton Honors fraud department twice in XX/XX/XXXX and as of today, I still dont access my online account. Hilton Honors unwillingness to resolve my online access leaves my account vulnerable as my points could be stolen again and confirmations could be redirected to someone elses email address. Thank you.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a XXXX American Express card which was my first ever from Amex or any company. After reaching the spending requirement of {$2000.00} in first 3 months of membership, I was waiting and did not receive the promotional spending bonus. I reached out to Amex about it and told them that I had an email with the promotional offer and my letter in the mail confirmed it too. I was then told their backend team would help try to resolve this issue, but I have yet to receive any kind of response. They mentioned it could take up to XXXX billing cycles but it's been about XXXX cycles now ( 4 months ).
Company Response:
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX, I applied for a platinum Card through American Express. I was denied due to a bankruptcy that is being reported in my Experian report. I explained to them that evening that I was a victim of fraud and identity theft and there were some items reporting illegally and incorrectly on my Consumer Report. They stated that I can reply after that item was removed. I informed them that Ive already given a financial asset according to the Uniform Commercial Code, and that was converted into a securities with the ability to be sold to a third party and traded according to documentation submitted by the company to the SEC. XXXX XXXX a representative informed me that I can send an email to the chairmans office and someone would get back to me in 3 business days. I submitted an adverse claim to the chairmans office email on XXXX XXXX and no one returned email, I sent an additional email as a follow up to the same email and still to this day, I have not received response as promised. I called again today, XXXX XXXX and was told by the first representative that he is aware of the application being a financial asset according to the uniform commercial code and that he knows about the uniform commercial code. I asked why I would be denied an extension of my own credit being that I have a security, a financial asset with the ability to be traded across the market according to the financial documents that American Express has on their investors relations and the Security and Exchange Commission documentation. It is also in line with the regulations set forth with the XXXX. The gentleman did not have an answer for that. By the continued denial, American Express is willfully committing securities fraud, tax evasion for not reporting all securities as well. I also explained that XXXX is a third party and therefore the information reported by them is hearsay as well as invalidated. XXXX is already investigating the reporting due to the laws that are violated by their reporting methods as well as being the only credit agency that has the bankruptcy listed. Everyone else has applied with the laws put forth by Congress.
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my credit report that I would like removed within no later than 4 business days as per U.S code1681c-2 - Block of inquiries resulting from identity theft.
Company Response:
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
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: On XX/XX/XXXXXXXX and XX/XX/XXXX returns were accepted at the XXXX return warehouse for 2 items totaling XXXX. Both of these returns were never credited back to my amex gold card per XXXX policy and reaching out to XXXX did not resolve the issue so I filed 2 separate disputes with Amex. When I created the disputes with Amex furnished screenshots of the XXXX app confirming the receipt of the returns, XXXX tracking data showing XXXX confirmation of return ( including item weights that match the delivery info ) the as well as XXXX proof of delivery. The first dispute projected resolution has been pushed XXXX now since it was filed on XX/XX/XXXX stating that Amex was waiting for more info from XXXX. None of the XXXX has been credited to my account to date. on XX/XX/XXXX I get a notice via chat app that Amex needs to speak to me about an issue with my gold card account. So I contact then rep and he states that due to the high balance on my card Amex was taking negatives action and rendering the card non functional until a time where i pay down the balance. I explained to the rep that I only have a " high '' balance due to the pending disputes that Amex has not resolved or credited me he proceeded to send me into a infinite loop of transfers and reps who kept telling me I need to " paydown '' my balance or my card would not become active again. Finally I was simply hung up on. ( I have included the whole chat thread in the notes ) My current balance on this card is XXXX of that XXXX is in what should be a very clear cut dispute leaving my actual balance at XXXXXXXX Historically that is not an uncommon amount to carry on this card as I use it very frequently. I have in XXXX alone made XXXX total payments totaling XXXX making the assertion that a balance of XXXX ( the real balance after the disputes are properly removed ) nonsensical at best. Amex has violated my disputing rights under the FCRA by XXXX ) refusing to process these clear cut disputes in a timely manor XXXX ) refused to service the disputes in general based on the communication on XXXX XXXX ) Taken negitive action against my account due to properly submitted and documented disputes 4 ) Held me responsible for disputed amounts on my account and then doubled down telling me to " pay down '' my account to make it active again based on the communication on XX/XX/XXXX
Company Response:
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A