Date Received: 2023-01-10
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: {$120.00} XXXX XXXX, 2022 was the transaction date. Reference number : XXXX This was for advertisement on XXXX i never agreed to. I agreed to {$300.00} free advertisement for XXXX month ( i called at XXXX month mark to cancel ), and it over charged me for extra items i did not agree to in the first month. I tried to call XXXX they said they would refund me but never did, I reached out to them again and no one there seems to be able to help. I would like my {$120.00} refunded asap to my american express card ending in XXXX
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: someone opened a credit card in my name at American Express and XXXX XXXX XXXX in my name fraudulent and I have called American Express and XXXX XXXX XXXX several times and told them I live in XXXX XXXX XXXX XXXX XXXX and to please closed these fraudulent account in my name. They never did and now its showing on my credit file as fraud. I have filed a police report and FTC Report and lawsuit for Senior Abuse with the local XXXX XXXX in XXXX XXXX XXXX
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I tried applying for a credit card with Amex and they sent me a denial letter stating they couldn't approve me an account because they've previously closed my account. I've never opened an account with them
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX submitted paperwork to close deceased parents ' account and have funds come to estate. Won't let you do anything electronic, will only mail the check! XX/XX/XXXX XXXX closed account and sent me letter stating check coming in mail to follow in " XXXX XXXX XXXX days. '' No check arrives, so I call on XX/XX/XXXX and am told I have to call when it has been XXXX to XXXX business days from the check being mailed ( which they can't tell me when it was mailed, just that account was closed XX/XX/XXXX ). XX/XX/XXXX still no check, so I call and am told by " XXXX '' that it has to be XXXX days, which is a lie, and she was very uncooperative, so I tried to contact a supervisor but the hold time was too long. Call back at XXXX pm and on hold for XXXX minutes waiting for an agent, then disconnected. Call back again, same hold process, finally talk to someone semi-competent who gets the account number then boom - disconnected again. It is like a ploy to wear you down. Call again, finally get " some '' help ( total phone call this time is XXXX minutes- just ridiculous! ). Told the check was actually cut XX/XX/XXXX and now all they can do is send me an Indemnity Form to fill out ... by MAIL. Again, the method by which the first check was lost. I have my doubts there ever was a check sent as all this runaround means XXXX makes money off the funds while we wait. So I have to wait for this form to come in the mail ( whatXXXX XXXX XXXX XXXX days I suppose ), then return it, then maybe they will deign to mail me another check... which is ridiculous as no one else sends XXXX digit ( near $ quarter XXXX ) via the US mail. They give you no other option, and they don't care if you wait forever as they still have the money ( long as no one cashes the " lost '' check ) and continue to make money off it. All a racket to put money in their pockets.
Company Response:
State: WA
Zip: 98671
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My XXXX XXXX took a XXXX XXXX took a XXXX dollar credit card out under my maiden name ( XXXX XXXX ) without my permission. He somehow went over the XXXX dollar limit. When we got a divorce he signed court documents stating he accepted this debt. I sent this to American Express in XXXX after they sent me a notice that they were going to sue me. They havent responded after talking with them 3 times and 2 emails. Its still on my credit report.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
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: To Whom It May Concern, I booked a reservation to rent a vehicle thru XXXX ; the actual car rental company was XXXX, and XXXX is brokerage company. The amount was {$350.00} charged to my American Express on XX/XX/XXXX, XXXX for vehicle rental for the first week of XX/XX/2022. When I called XXXX to confirm our reservation prior to departure to XXXX, XXXX from XXXX, I was told that my reservation cancelled. So I had to rent/book a vehicle with another car rental company. Nevertheless, XXXX still charged me for {$350.00} When I called American Express to dispute the transaction after I got back from my trip to XXXX in XX/XX/2022, I was told by American Express that I have to try to resolve the issue directly with the XXXX. I took advice from American Express and I attempted to reach out to XXXX multiple times ; unfortunately, it did/does not have valid email or XXXX number for billing department and/or public relation so I could dispute myself with XXXX As the negative result from XXXX, I reached out the American Express 4-5 times, to dispute the transaction ; unfortunately, the American Express refused to help me with the issue because the transaction has been over 60-day window. I wasn't aware such a law that required a dispute must be submitted in writing within 60-day. Moreover, the reason it is over 60-day window because I took advice from the American Express to dispute by myself. I am exhausted with all the options ; thus, I am reaching to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and hope the Agency can help me with the issue. Thank you in advance for your help and time.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/XXXX i was pre-approved by American Express XXXX XXXX XXXX American Express product card. XX/XX/2022 I received a letter from American Express Customer Care stating we regret we were unable to approve your application. After being pre-approved for XXXX XXXX XXXX XXXX American Express card on XX/XX/XXXX in the American Express portal. Ref : XXXX. I received a denial letter stating false information into why i was denied after they tapped into my open ended credit plan. This false and misleading actions and information has brought XXXX and XXXX into my life. The reason for denial is undermining my confidence and taking advantage of me by misleading me to give them my social and denying me by discrimination. i have uploaded the letter that was sent out to American Express and their response did not have anything related to Ref : XXXX. Amex has completely ignored my affidavit that was sent out to them through certified mail regarding the false promotion, misrepresentation and defamation of character actions they have performed.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My ex-husband, when we were separated, used my information to obtain credit cards and use some of my long standing cards. This continued for several months after the divorce was finalized before I realized what was happening. I have disputed these charges with the credit card companies, but they refuse to remove them from my credit profile and have allowed debt collectors to purchase some of the debt. I need these derogatory accounts removed from my credit profile and association with my name. Thank you.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Related to Amex XXXX account ending in XXXX Amex pressures consumers to enroll in XXXX XXXX XXXX. I was told by multiple reps over the last XXXX months to enroll. They encourage with a no interest offer. I enrolled because they badger me so often and tell me that as long as I pay my balance in full I won't pay any interest ( lie ). I then realized in the beginning of XXXX that I was in fact charged interest because they just made my statement balance due as XXXX} and they put all my purchases in a special XXXX XXXX XXXX balance that incurs interest. Fine. No problem I get they're trying to make money even if I think it's morally wrong I don't decide things. So I call and I explain the situation and have XXXX XXXX XXXX turned off and ask for the fee to be refunded. They say they'll do it. Great. But then I check my balance again today and XXXX XXXX XXXX another XXXX XXXX XXXX fee even though I paid my balance in full. Now this is just XXXX. I will call again but deceptive marketing is XXXX thing. This is XXXX. If I'm being treated this way and I'm fully comfortable calling and making a fuss I can't imagine how they're treating XXXX and XXXX income people that don't feel as comfortable calling and speaking with a large fortune XXXX company. We need to hold these companies accountable and Amex has gotten away with stuff like this for too long.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: American Express sent me an invite to sign up for a business checking account with a sign up bonus of XXXX XXXX Reward Points sometime before XX/XX/2022. I started to fill out the application but I never hit the submit button and just closed my browser and decided against it. On XX/XX/2022, I saw the sign up bonus went up by XXXX to XXXX points. I went into the American Express web site and click on a link with the XXXXXXXX XXXX sign up bonus, I filled out everything and met all the requirements for the bonus. However, American Express only credited me with XXXXXXXX XXXX bonus points. They claimed that I started the application with a link that only qualified for XXXX XXXX points even I never submitted that application. And they refuse to credit me with the missing XXXX points even I submitted the application under a link I clicked on their web site that clearly stated the bonus was for XXXX points.
Company Response:
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A