Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, the consumer and natural person, was denied credit by your financial institution when I applied for a credit limit extension. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC.169l ( c ) and is pursuant to civil liability under 15 USC. 1692k. I have proof that I was discriminated against by your financial institution due to the response I received. Your financial institution is in violation of 15 US. Code 1642, US. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your financial institution. The actions taken by your institution is impairing the efficiency of the banking system because you are not vested in insuring the accuracy of credit consumer reports. Causing me to lose confidence in the banking system. I am a federally protected consumer and under USC 1692 ( n ) therefore none of your policies or state laws supersede Federal laws. Under USC 1681 ( e ) your company has a duty to assure the maximum possible accuracy. I have found your financial institution has been assuming a vital role in furnishing deceptive forms which is a violation under USC 1692 ( j ). Which have caused years of damage to my and my familys well being. Since You have never provided me with validation of debt or damages ; which is a violation under USC1692g. Your institution knowingly reported personal credit information that was false ; which is another violation under USC 1692 ( e ) 10. I didnt receive any separate disclosure statements of my rights written clearly and conspicuously ; which violates USC 1637 ( b ). Misrepresenting your financial institution as a debt collector since I the original creditor never provided you with written or oral permission to do so violating my rights protected by USC 1681 ( B ) ( 2 ) Your institutions neglectful, abusive, unfair, false and misleading debt collection practices are in violation of USC 1692 ( a ). You must respect my right to privacy under USC 1681 ( a ) ( 4 ) which you have willingly been non compliant to violating my right to privacy as a federally protected consumer. You have used profane language towards myself, the consumer in your statements causing emotional stress and unwarranted pressure. You are subject to criminal liability for violating USC 1692 ( k ). I have also suffered greatly due to your misleading practices and have thought less of who I am because of it and have acted accordingly. I have yet to be able to move out of my parents home for 17 years, I havent even been able to secure any vehicles, modes for transportation besides a bicycle due to the inaccurate reporting your Institution has willfully furnished and shared to other credit bureaus, damaging my consumer report is also in violation of my consumer rights and have caused defamation of my character, my familys character and that of my followers clear violations under USC1692 ( k ). The actions taken by your financial institution involve racketeering through the means of extortion with your harassing and pressuring myself, the consumer, to pay alleged debts.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I took over my mothers account at her death in XX/XX/XXXX. I paid her bills and contacted companies to close accounts. I contact Amex XX/XX/XXXX and closed all accounts. I got billed again in XXXX. I contacted Amex to let them know the account was closed and all attempts were made to inform companies that the account holder was dead. I spoke with two managers at Amex on XX/XX/XXXX that stated that Amex only closed the current account and not my mothers account. I received a letter from Amex XX/XX/XXXX that all accounts were closed. The call on XX/XX/XXXX stated that no additional charges would be processed on any accounts in my name or my mothers name. I paid the outstanding bill in full at that time to end the process. I continued to receive bills. I disputed them in XXXX. I called to check on the dispute on XX/XX/XXXX and was told it was not completed. I resubmitted the dispute. I was told XXXX business days. I called back again when I received yet another bill on XX/XX/XXXX and was told by XXXX XXXX # XXXX ) that the accounts were not completely closed. He disputed the charges again and I was told it would be another XXXX business days. I called today after receiving yet another bill. I was told it would be until end of XXXX until I could get a resolution to an account I closed in XXXX from my mothers death in XXXX. I sent them a death certificate ( XX/XX/XXXX ) for XXXX XXXX in XXXX. All contracts my mother had ended at her death. I contacted all creditors and her will was fully probated through the XXXX XXXX XXXX system in Georgia.
Company Response:
State: GA
Zip: 30328
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: 2022-12-26
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Hello, I have been having more consistent problems for some reason. You may have to read all of this email and previous sent emails to somewhat understand what I have been going through, just with this. On my American Express Serve debit card, there is a " Cash Pickup powered by Ria '' feature that I have been unable to use for some reason. Serve claims that this feature is available to all Serve cardholders that have verified their email. I am also unable to add an email to my account for some reason and get an error. Over the XXXX I somehow lost my XXXX XXXX card and had to use the Serve instant debit card transfer option to add money, which has a {$200.00} limit, to my Serve account so that I could use a ATM. This feature mysteriously stopped working for me after a few times, and only gives me an error message every time I try. I had the idea to transfer all of my money out of Serve onto my XXXX XXXX XXXX XXXX. Then I found out just XXXX that I can't buy money orders with my XXXX XXXX XXXX for some reason : XXXX XXXX XXXX So then I find that what I guess is the only solution, to close the XXXX XXXX XXXX that I have also had for some time and pick up the cash at XXXX which would close the card. I have had my Serve card and account since XXXX. It has expired and I just received a new one. XXXX XXXX XXXX My current Serve balance is {$2900.00} and it still won't let me do the XXXX XXXX XXXX for {$2500.00} which is the limit. I have contacted XXXX, and tried to do the bank transfer with them, but they locked my account and have been waiting for days for any help with this. They claimed it was rejected because of ID verification, and I sent them all of it. My photo ID front and back, a picture of me holding it, a picture of a recently delivered item from XXXX, a picture of the shipping label that I purchased, screenshots of my Serve account. But I am still unable to log in and am still waiting on their customer service. And was told here : XXXX XXXX XXXX, XXXX regards to purchasing a money order at the local XXXX XXXX. If the American Express card you are using is a bank debit card then yes you can use either debit or cash to purchase a money order " And from XXXX XXXX XXXX XXXX XXXX XXXXXXXX " Yes I have the information from the money order help pages. I am trying to make sure my payment cards will work in the store. Does it matter if it is a prepaid or : normal '' debit card? I have been experiencing some crazy problems every day, trying to get money orders sent for an important transaction that I have to complete involving purchasing money orders and sending them with a XXXX XXXXXXXX XXXX XXXX envelope that I purchased. " They responded : " Recently you requested personal assistance from XXXX XXXX XXXX. Below is our response and a summary of your request. Reference # XXXX Response : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX XXXX Thank you for contacting back to us. XXXX, do not worry you can purchase money orders from store through your debit card whether it is prepaid or a normal debit card. If you have additional questions, please reply to this email and I'll be more than happy to assist. Take care- and I wish continued health and safety to you and everyone whom your cherish and XXXX XXXX. Sincerely, XXXX, XXXX XXXX XXXX '' " Hi, thanks I was just wondering if my debit card will work in-store to purchase a money order? I have an American Express Serve debit card, with sufficient funds for what I need, but have been getting declined for some reason trying to purchase money orders at the XXXX XXXX, and the supermarket. I contacted Serve customer support and they said that there are no restrictions preventing anything. I was also told by XXXX that it will work if it is a debit card with a pin, which is what it is. If that doesn't work, I have a XXXXXXXX XXXX XXXX too, which is a XXXXXXXX XXXX with the Serve card as the preferred method. Thanks, XXXX '' " I recently tried to purchase money orders at the XXXX XXXX. I gave my mother my American Express Serve debit card to pay with. It says on the website that I can use debit cards, and that American Express is accepted at retail. But, she returned saying that " it couldn't be done because the person told her that it is a credit card and not a debit card. This is an important purchase for me, it is for a vehicle purchase and seems to be the only way that I can pay the dealer. I also have a deposit on it. I want to be sure that we can go to the XXXX XXXX and purchase the money orders that I need, and the fastest mail with a tracking number, without any more problems for some reason. My card has sufficient funds available. I will try using another XXXX XXXX? She might have went to the XXXX XXXXXXXX XXXX XXXX XXXX, I don't know. Thanks and XXXX XXXX XXXXXXXX XXXX '' Thank you for any assistance, XXXX I need to complete this payment, so I need to be able to purchase money orders with my debit card, which should not be a problem at XXXX or XXXX and I have confimed this with every customer support involved. I tried XXXX XXXX at XXXX, a feature of the Serve card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, but all were unable to be approved. The ATM limit on a Serve card is {$750.00}, and am being left with no choice but to go to the ATM on my bicycle every day and buy the money orders with cash. XXXX Your case has been successfully submitted to XXXX. Your case number is XXXX Your email has been sent. Thank you for contacting XXXX. Please find your service request number below. You will receive a confirmation email soon. Click Close to return to the Email Us start page. Service Request Number : XXXX My name is XXXX XXXX and I have been trying to make a payment to XXXX XXXX XXXX. I have the payment on my Amex XXXX XXXX XXXX XXXX XXXX ). They sent me their bank info which is XXXX XXXX XXXXXXXX XXXX Name : XXXX XXXX XXXX XXXX. I would like to finish the transfers, instead of mailing money orders. My debit has it's own account and routing numbers, and I have sufficient funds. I have been having difficulties attempting to purchase money orders. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again. They said that I can pay the remainder on my vehicle with bank transfer " Here is our bank info for you to bring to your bank to initiate the transfer. Please be aware our bank will not accept XXXX transfers or on-line bill pay checks. '' I tried to send a XXXX direct to bank transfer, and was declined. The payment is {$2800.00}, and there is a balance of {$2900.00}. Later contacting XXXX since there is nothing else yet : My name is XXXX XXXX and I have been trying to make a payment to XXXX XXXX XXXX. I have the payment on my Amex XXXX XXXX XXXX XXXX XXXX XXXX. They sent me their bank info which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to finish the transfers, instead of mailing money orders. My debit has it's own account and routing numbers, and I have sufficient funds. I attempted to do the transfer with XXXX, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my Serve account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again. They said that I can pay the remainder on my vehicle with bank transfer " Here is our bank info for you to bring to your bank to initiate the transfer. Please be aware our bank will not accept XXXX transfers or on-line bill pay checks. '' I tried to send a XXXX direct to bank transfer, and was declined. The payment is {$2800.00}, and there is still a balance of {$2900.00} on my Serve account waiting for me to complete payment. I need to complete this payment, so I need to be able to purchase money orders with my debit card, which should not be a problem at XXXX or XXXX and I have confimed this with every customer support involved. I tried XXXX XXXX XXXX at XXXX, a feature of the Serve card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, but all were unable to be approved. The ATM limit on a Serve card is {$750.00}, and am being left with no choice but to go to the ATM on my bicycle every day and buy the money orders with cash, which is really not an acceptable option for me. For just XXXX example, right now it is pouring rain outside. XXXX XXXX This is for a vehicle that I have a deposit on and recently purchased most of the parts for. I finally placed the deposit on XXXX, and have been trying to pay the remainder since then, with sufficient funds in my account. Before this, I had to withdraw all of the money that I had saved for this with ATM transactions from my XXXX XXXX card, which also kept being declined for some reason, so that I could load the Serve card with the money, so that I could pay for another vehicle, where the seller suddenly backed out after I finally sent {$2800.00} to him with XXXX transactions of {$1500.00}, {$700.00} and {$600.00}. He suddenly refunded my money after informing him that a tower that was trying to set up had backed out and said that he can't take the job after asking if I could pay with XXXX, just because it would be easier, when I had his requested deposit on my Serve card, after trading in all of my video games at XXXX for the money. XXXX of the transactions were immediately refunded and available but the {$600.00} " was refunded by echeck '' so I had to wait for that to eventually clear back into my Serve card. Avoid XXXX XXXX too, ok. XX/XX/XXXX Parts delivered to wrong address, XXXXXXXX XXXX packages with a picture of delivery at a house with a red door. I walked up and down XXXX XXXX and could not find it. There was also some kind of work being down down XXXX XXXXXXXX XXXX XXXX XXXX XXXX A few red front doors but no packages or the wrong XXXX house. There was a knock on my door and was informed that my orders were in front of XXXXXXXX XXXX house on the corner, and had to go get them. XXXX XXXXXX/XX/XXXX, I woke up to find XXXX ATM decline charges of XXXX on my Serve account. I am sure that I did not sleep walk to the ATM and that it didn't leave this house when I was sleeping. There are XXXX text messages from Serve.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
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 called American express and I informed an employee that there is a billing error of {$3200.00}. They stated that there was no error and they did nothing, and I told them according to law that they will have to investigate this and they never did. I let them know at the back of my statement it states that I have the right dispute a billing error. According to the credit balance of the full amount I keep asking them why is it in a positive balance if I owe them it should be in a negative in front of it. I would love to use my remittance credit. On the back of the statement it let 's me know that the money belongs to me when it's a CREDIT BALANCE. Amex is in violation for writing me and threaten me about putting on negative credit reporting. They stated that they are going to insert late pays. Late pay is illegal. According to the law experiences and transactions are excluded from your consumer report. In addition, I opted out to information sharing. I never gave american express the permission to report to my consumer file anyway. I am looking to continue business with them and extend my open credit plan. Their statement is very misleading and it's a violation to the fdcpa and Tila. So do right by me american express as federally protected consumer that I am l. As I am in a billing error dispute I am not responsible for any payments until you take care of this issue. The whole balance.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hi, I have recently come to the XXXX to finish a XXXX XXXX under a student XXXX XXXX. Ive had an american express account in XXXX where Im from, so asked american express XXXX if i could open an account in the XXXX, transfer my credit history and get the same account tier even if i wasnt a permanent resident nor had us based income ( i get paid by an off shore company on a XXXX XXXX account ), and i got told they will just get my history from amex XXXX and it was no issue. I used my passport for id verification ( passport number XXXX ). I linked my account to a XXXX based bank account that i opened with XXXX. It took a while but i finally received a card on XX/XX/2022, started spending, received my sign up bonus, paid for my membership fee and added an authorized user to my card for an extra fee. After it was all set up i called and asked if there was something i should now about the status of my account before i close my XXXX account ( not wanting to pay 2 membership fees ). I got told it was not an issue and i should just call amex XXXX and get them to transfer my points and close my account. I did that, and 4 weeks later ( XXXX XXXX ) i receive a call from American Express financial review team asking me to provide evidence of a XXXX based income ( which i had never been asked for before ). When i explained my situation i got told that my account will be canceled in 3 weeks ( XXXX XXXX ) and there was nothing they could do, and that it means i got given wrong information when signing up. Looking online, i cant find any information indicating that i need us based income. Calling customer service again, i got told that i couldnt keep my card, couldnt get a prorated refund of the membership fees ( XXXX total fees paid ) and couldnt keep my sign up bonus. I am really disappointed and fell ripped off as they started that because Im cancelling my account Im not eligible for any refund, but Im not cancelling myself, they are cancelling my account. It really feels unfair to me, especially given the fact that i have been honest about my situation from the beginning, that i have always been told it wasnt an issue and i have now canceled my other account and transferred everything here. EDIT : i found out by seeking help online that it has been happening to several other people, all of them on XX/XX/XXXX Im looking for help on this matter as it really feels shady to me, they are not giving me any information on the process, no possible solution, no heads up that this was gon na be an issue, and a very short time frame to get my stuff in order ( probably wont have my XXXX account opened up and running again to transfer the points before my account is canceled ).
Company Response:
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for a XXXX Amex Card over the phone. The representative verbally offered me XXXX sign up bonus. I agreed, and proceeded with the application on XX/XX/XXXX. I received an email in order to continue with the application. This email also stated the terms and condition which mentions the XXXX sign up bonus points. After spending the minimum spend to receive the XXXX bonus points, I noticed I only received XXXX bonus points. I contacted American Express on XX/XX/XXXX, and an investigation was submitted. After contacting American Express every 2 weeks to get an update, on XX/XX/XXXX, I got in contact with a representative who told me the investigation was closed and that American Express decided the XXXX offer was valid. However, I was instructed to call to speak with someone who could help me if I was not happy with the decision. I spoke to a representative named XXXX ( I believe ), and she told me I could upload supporting documents to support my case. I uploaded a screenshot of the email with the terms and conditions stating the XXXX sign up bonus. I contacted the customer service again on XX/XX/XXXX to see if anything had changed or been updated. I learned that the supporting documents were not taken into account. They essentially didnt matter because they closed their investigation in XXXX. However, I am utterly confused as I was verbally offered XXXX and have an email to support the verbal offer. I feel that American Express has used deceptive tactics to get customers to sign up for credit cards. The XXXX bonus is typically the standard offer. I would have waited knowing they tend to have promotional offers such as the XXXX. This is completely unfair for them to offer me XXXX but then only give me XXXX. I cant do anything at all at this point.
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear CFPB, I'm XXXX XXXX XXXX senior citizen. Please note that I've filed a fraud alert case with American Express. Apparently, offshore scammer called my phone and pretended to be a merchant ( employee of airline vendor called Just Fly ). The scammer received my airline ticket booking ID. From that booking ID, he repurchased tickets. That charged my AMEX card three charges on XX/XX/XXXX : XXXX ) {$400.00} XXXX ) {$200.00} and XXXX ) {$910.00}. I NEVER SHARED AMEX CARD INFORMATION NOR DID I APPROVE THESE CHARGES. The scammer was able to rebook airfare without my consent only by using my existing booking ID. I filed fraud charges with American Express. As of this writing, I filed at least three fraud charges with American Express on same transaction. But, they keep reverting charges back to me with excuse that I've shared card details with the merchant. I never shared card details nor I authorized these charges. But, American Express fraud protection team is not willing to even consider this. I tried explaining them at least 10 times on the call and through live chat with support. Initially they open fraud case and in few weeks they remove fraud case and revert the charges back to me. I'm not sure why they don't understand that I didn't give my card details nor authorized these charges. XXXX scammer was able to charge my AMEX card through airline reservation details. These are fraud charges and they need to be removed from my account. I'm retired and can't afford to pay these charges that weren't made by me! I'm begging CFPB to save me from these fraud charges!
Company Response:
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was offered XXXX XXXX XXXX as part of an introduction offer if I spent {$5000.00} in 3 months and paid a {$250.00} annual fee. Although I paid the fee and meet promotion spending requirements I did not receive the introduction bonus XXXX skymiles. American Express says I did not get the reward because although I have never had this card, I have had other Amex cards that gave introduction promotion offers. However, The application disclaimer said I would be eligible if I had never had this card before. Amex practices are anticompetitive and fraudulent. They stole my {$250.00} by offering a product they did not provide and cite vague discretionary contact terms in their defense. Their anticompetitive and fraudulent practices have defrauded me of my money and Amex competition of a customer. Amex should not be able use vague, broad, or discretionary contract terms to defraud customers and should be required to refund a prorated annual fee if a client cancels.
Company Response:
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is followup on complaint # XXXX dated XX/XX/2022 ISSUE : company stated that " Its important to note, the attachment included in your complaint does not include the terms and conditions where this information can be found. '' MY RESPONSE : Yes, that was/is my point - these conditions were absent in the original offer and you are basing your decision on conditions that were added/amended later - compare the footnotes ( attached ) in the original offer and the footnotes of the later offer ( attached ) wherein the footnotes vastly different and clearly amended/updated in the later offer - XXXX ) to XXXX ) and the specific step of verification and other wordings were added much later and was not present in the original offer - therefore they should not be applicable and the offer should be honored.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: To whom it may concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I am in need of your assistance.due to there being a misunderstanding in communication between Bluebird and I. Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes. 2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history. 3 ) Retrieve $ XXXX XXXX XXXX XXXX XXXX they state XXXX will only allow the financial institutions/ Bluebird to return funds to customers once a dispute has been opened. Please investigate and assist me in addressing these errors. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A