Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Due to the change in the New York Statute of Limitations bill signed by XXXX. XXXX XXXX into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: USC 1692 ( A ) abundant evident of abusive debt collection practices USC 1692e ( 10 ) use of any false representation or deceptive means. Your financial institution knowingly reported false personal credit information. USC 1681 ( a ) ( 4 ) my right to privacy was negligently and willfully violated FURNISHING AN ACCOUNT THAT WAS CREATED FROM A CREDIT CARD OR SIMILAR DEVICE 15 USC 1681 ( A ] ( 2 ) ( B ] UNAUTHORIZED USED OF A CREDIT CARD WHEN THE USER DOES NOT HAVE IMPLIED AUTHORITY 15 USC 1602 ( P ) identity theft ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
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: AMEX account XXXX, Case ID # XXXX. The purpose of this letter is to explain a very unsatisfactory customer experience and request resolution to this unfavorable experience. My wife, XXXX XXXX, normal handles our payments and questions about any bills. She was authorized to talked and work with this account for the past many years. The name on the account is XXXX XXXX XXXX XXXX. You can review my payment history to see Ive paid consistently and on time on this card the entire time Ive been an AMEX card holder. This year I retired, and we are closing accounts we no longer need or use frequently to reduce our expenses. We have been an AMEX card holder and user for about XXXXwenty- nine years with few issues on the card or use. AMEX was one of the accounts we no longer needed at this point. On XX/XX/22 at XXXX EST XXXX XXXX XXXX AMEX Customer Experience to confirm we no longer needed the card to cancel and close the account. And we did not want to pay the renewal fee. She talked to a Customer Service Representative named XXXX. During the call XXXX was clearly told on two different occasions the card was cancelled and renewal fee would no longer be charged. She was told to destroy the card and any new charges we would need to pay. XXXX removed two automatic payments from XXXX XXXX and XXXX so there would be no more charges on this card. There were no charges in XXXX because these automatic payments were already removed. She destroyed the card, and we made no more charges on that card. The last charge we made on that card was dated XX/XX/22 prior to us calling XXXX in customer service. That charge was paid and we expected no additional charges or issues with this card. On XX/XX/22 we received another bill showing the renewal was not removed and we saw another fee charged or {$40.00}. XXXX called Customer Service again to see why we were still being billed. Customer Service told XXXX she was not authorized to talk about any thing on this card, and Customer Service hung up the phone on her. XXXX Customer Service would have asked to confirm with the card owner her authorization status to talk on my behalf for this card. Next, I called back at XXXX EST, and talked to XXXX and explained the situation with the hang up. XXXX transferred me to XXXX who was on the XXXX XXXX XXXX who said it would take ten to fifteen ( 10 to 15 ) more days to investigate and listen to the past conversations to confirm our position. This case number assigned was ID # XXXX. On XX/XX/22 at XXXX XXXX, 12 days later, we called back and talked to XXXX XXXX XXXX said to call back after XX/XX/22 to confirm the resolution on the account. On XX/XX/22 at XXXX we followed up again to Customer Service and talked to XXXX XXXX She updated my email, and, said AMEX needed more time on the investigation for a resolution. And we are still waiting for a resolution on this account. We request these conversations be reviewed to confirm the conversations, and the renewal fee of {$160.00} plus the new fee of {$40.00} be removed and the account show closed as agreed on my credit report. Please confirm these actions to me. And now we are being sent text messages daily on a past due acct. that should be closed and in good credit standing. We are being harassed by AMEX sending us text messages on both our phones. AMEX has never sent us text messages previously. So, I am equessting your help in getting a satisfactory resolution to this account issue.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Had a transaction on XX/XX/2022 which was supposed to be credited back in the amount of {$300.00}. Called at least 6 times and chatted the same to get the offer. Was finally told by representative XXXX that I needed to call after XX/XX/XXXX for it to be manually applied. On XX/XX/2022 was told to pound sand.
Company Response:
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
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: We purchased 2 XXXX XXXX tickets using American Express ( Amex ) Platinum cards and using American Express Travel to do the booking in the summer of XXXX and did not travel due to XXXX. We contacted Amex and booked flights to XXXX again using the travel services of Amex. We were concerned about not losing the XXXX XXXX credit so we asked for and we received the following email from the person who did the booking. we have the original email and we have attached the email thread with our last rep 's conversation below. From : XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : XXXXXXXX XXXX remaining credit - Record Locator XXXX Good morning, It was a pleasure assisting you yesterday! I wanted you to have your new ticket # s for the remaining XXXX per person on XXXX XXXX. These credits expire on XXXX Ticket # XXXX & XXXX Keep my information for any future travel needs Best Always, PLEASE REMEMBER THAT FARES AND/OR RATES ARE NOT GUARANTEED UNTIL TICKETED AND/OR RESERVATIONS ARE CONFIRMED. XXXX XXXX XXXX XXXX XXXXXXXX As you can see, the email dated XX/XX/XXXX of the last year XXXX sent to us from an Amex XXXX XXXX XXXX CLEARLY states that there will be a credit for 2 tickets of {$710.00} per person available till XX/XX/XXXX. We called Amex approximately 2 weeks ago to book this travel. We were put on hold a number of times and ultimately told that Amex could no longer pull of this record but because we had the e-ticket numbers, we should call XXXX XXXX. We did that, and after about 30 minutes on the phone, an XXXX XXXX associate said the ticket was canceled and no longer available. We have contacted Amex again, and now they will not resolve the issue, with amounts to a loss of approx {$1400.00} in value not to mention the efforts we have take to work with them. Amex representative XXXX XXXX created a complaint number for us when we asked for a supervisor. The Amex Complaint Case number is XXXX We feel strongly because Amex representatives XXXX in writing an assurance to us, they should make us whole and refund XXXX in dollars or the equivalent compensation in Amex Points PLUS the many hours of our time to deal with this.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I recently opened an AMEX XXXX XXXX account on XX/XX/XXXX. I had an offer on my homepage for {$25.00} off a $ XXXX purchase at XXXX XXXX XXXX XXXX XXXX ) if done by XX/XX/XXXX. I completed a purchase for a yearly subscription for {$53.00} on XX/XX/XXXX and received an email that day from XXXX stating my card was processed and I was given access to the website. By XX/XX/XXXX I had not seen the credit applied to my account and contacted customer service. They stated because the transaction didn't post to their system until XX/XX/XXXX that I was not eligible to receive the {$25.00} statement credit. I asked if I could have the charge reversed because I felt that as a condition of purchasing the subscription was that I would receive a {$25.00} statement credit. If I no longer qualified I did not want access to the subscription service. I was told no that they were unable to do that and have since filed a complain with the CFPB.
Company Response:
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
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: I was appointed guardian of my father 's property in XX/XX/2019. Earlier this year, my father was manipulated by individuals he met on the internet to open credit card accounts with American Express. When I discovered this, I sent letters to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of this year, providing a copy of this court order appointing me guardian of his property, and providing a copy of the court order determining XXXX XXXX limited incapacity. Under the terms of these court orders, XXXX XXXX is not capable of exercising the following rights : XXXX. To enter into contracts 2. To manage property or to make any gift or disposition of property 3. To sue and defend lawsuits The letters also confirm that, as my father 's guardian, I did not authorize the opening of these credit cards and did not authorize any of the charges on these credit cards. I have asked that American Express send a written response within seven ( 7 ) business days that includes : 1. A list of all accounts opened in XXXX XXXX name, the charges on each account and the dates of each charge on each account. 2. Confirmation that the outstanding balances on all accounts have been cancelled 3. Confirmation that all accounts have been closed 4. Confirmation that the company has not made any negative reports regarding my father and these accounts to any credit agencies. 5. A list of all usernames and email addresses that have ever been associated with online access to any of the accounts Because I am the guardian of my fathers property, I've also requested that American Express stop sending business correspondence regarding these accounts to XXXX XXXX and send all such future correspondence directly to me. Most recently American Express has sent a letter dated XX/XX/XXXX to my father notifying him that a balance on an account has been referred to XXXX XXXX for collection. The total outstanding balance listed is {$8000.00}.
Company Response:
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received a letter from American Express dated XX/XX/2022, requesting that I complete my new account setup. I did not open this account. I called American Express Savings at XXXX and notified them. I was told by XXXX that she will notify the back office and ask that someone call me about this account. Account Type = High Yield Savings Account Account # XXXX Interest Rate XXXX % Annual Percentage Rate Yield XXXX % Routing Number XXXX
Company Response:
State: OH
Zip: 45503
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: We purchased over XXXX in gift cards in last 3 years, and now, after we gave a few out they seem to have already been used. American Express issued them, but now they tell me I have to first find every fraudulent transaction on each individual card, and then contact each merchant and dispute the individually charges with them. These cards never left the envelope they came in, but I hope there is a more efficient method to resolve this as I do not have enough time to call that many merchants.
Company Response:
State: NJ
Zip: 07071
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Company Response:
State: FL
Zip: 34972
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A