Date Received: 2022-12-16
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Reference XXXX & Reference XXXX I extended credit through AMERICAN EXPRESS COMPANY XXXX XXXX XXXX XXXX and was denied the right to use my credit in connection with my application for a PLATINUM CARD. I could not bargin for consideration with the application I was provided. When I filled out the application there was no provisions that allowed me to opt out of having them look at my consumer report, and stop them from sharing this extension of credit with the consumer reporting agencies and leaving a negative inquiry in attempts to tarnish my financial reputation and good character. Obtaining non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. I have reasonable cause to believe that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX are all conspiring to collect on this extension of credit through unlawful extortionate means. If there is any further adverse action taken to deform my character and tarnish my financial reputation and exercise my right to extend credit, I will file suit for intentional infliction of emotional distress.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened an Amex XXXX XXXX XXXX card with a welcome bonus of XXXX with a requirement of spending XXXX dollars within 6 months. The account was open on XX/XX/XXXX and statement closing date was XXXX of each month. I fulfilled the spending requirement in early XXXX. I spent {$4200.00}, {$1400.00}, and {$3900.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statement. Since I did not receive the bonus points shortly after I met the requirement ( usually it is posted within days ), I contacted American Express Customer Service at the end of XXXX through online chat and phone call. The online chat agent told me my welcome offer was declined. The agent in the phone told me the offer was valid and I need to wait XXXX weeks for the points to be posted. On XX/XX/XXXX, I contacted both sides again, and got the exact same two versions of answers -- one said the offer is valid and I need to wait, and the online chat told me it was declined and I am not eligible. This is by far the most disappointing and unprofessional customer service I have received from Amex as a six year customer with them. The phone agents were not paying attention to my words but keep repeating the terms. The online chat agents were also not providing explaination for my case but just forcing me to accept the situation that did not happen to me. I never received a notification when I applied the card, the application was smoothly submitted and approved without any notification that I was not eligible. I am not sure why the agents were insisting on that. That was a fraudulent and misleading advertisement at the begining, or Amex declined my offer internally without providing me a letter.
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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've had so many problems with AMEX lately that I had to cancel my account after having the account for about 20 years. It's absolutely unbelievable a customer experience could possibly be so harrowing. XXXX XXXX I spent over XXXX hours on the chat trying to get the customer service reps to change the dispute reason. The reason why I needed to change the dispute reason is that the customer service person who took the original dispute over the phone wrote the reason entirely incorrectly. I'm not even sure where she got the reasons from -- perhaps she dreamt it in her own mind because it was not anywhere remotely close to what I told her the reason was. I don't know off the top of my head the date of this call and with the countless hours I've spent online with customer service I don't have the time at that moment to search my records to find the date- it's been a complete nightmare with AMEX XXXX Pick the last date that I called because I learned from this experience that I should not talk to them over the phone and that I should chat instead so that they can see my words and copy and paste if they need and there is documentation of our conversation that we both have access to. Anyhow, on the chat that night, the customer service agents would drop off if I didn't respond in literally XXXX seconds. I would be in the middle of typing a simple response and the customer service person would log off. The next person would show up and I'd have to start the whole conversation all over again because this person would only read a line or so above and not go back and read the whole conversation. Of course, at some point, who would blame them, because who wants to go back and read over XXXX hours of chat text?!! Ultimately, by the end of the XXXX hours, the dispute reason STILL was not changed!! They wouldn't accept the first dispute reason I gave them which was AMEX wasn't authorized to allow this charge to go through in the first place because I had requested the merchant block. Then, when given the reason for the problem with the merchant they weren't able process the change of the dispute reason. So, I tried again another day. I lost count of how many hours that took but this time I believed, at the time, they did get the reason changed. At least that's what I was told. I come back days later, as the rep told me it would take XXXX hours to see the updated dispute reason, to find that indeed it was NOT changed. So, I go back to the chat again for several hours to get the reason changed. It appeared to be successfully changed. Days later I got an email that said I needed to upload documents to the dispute -- Never mind the fact that there are already XXXX documents uploaded in the dispute, some of them are multiples of each other because each time this dispute is reopened like this I am asked to upload documents, and I do. So, this time, when I go back to upload documents as requested, the dispute is closed AND the dispute reason has been reverted back to the original erroneous dispute reason! I notice this when I log in but I also notice an additional problem ( THERE ARE MULTIPLE PROBLEMS AT THIS POINT! ). I noticed that although I have closed my account they say that there are new charges in the amount of {$1000.00}. Upon looking at the statement line items, the disputed amount of {$990.00} appears along with some other small charges from merchants that were allowed to post after I closed the account ( that's the other problem I wrote in to the chat about on a previous date ). The disputed charge had been reposted and credited but I was charged interest on the full amount as if it wasn't credited. When I pointed this out to the customer service agent, he didn't believe me and he tried to tell me that the {$1000.00} was a rollover from the unpaid balance from last month. I told him that was simply not true because {$1000.00} is stated as a NEW CHARGE. So, here I go having to argue my point with a customer service person who is clearly wrong but doesn't want to admit it. If it were a rollover from last month, it would be in the Previous Balance section, I told him. Still, he doesn't admit that he is wrong, and I have to state that I will report this to the feds. This is the point at which the customer service person seemed to somehow now take into consideration that I may possibly be right ( which I am ) and said that he would open an investigation into it. An investigation should not be necessary, as he should have the competence to see the problem immediately, know how charges are applied to the card, and be able to rectify the problem himself instead of arguing with the customer when he is wrong. He then somehow brings up a point to say that I did not dispute this {$990.00} charge last month ... which of course is incorrect! It's been disputed for months with the wrong dispute reason attached to it. Another issue is that the account was closed in XXXX, yet charges were posted to it afterward. Not only that, the charges that were posted were not even from the card that was open before closing the account, it was from another card that I had already closed!!! It's completely unbelievable that the merchant was able to get past not XXXX, not XXXX, but XXXX blocks I have in place but still be paid by AMEX against my will. The first block was that I'd canceled the card that the merchant had on file. The second block was that with the new card that I had on the account, no merchant was supposed to be able to post any recurring charges on the account -- I had all recurring charges blocked on this new card! The merchant, XXXX, even called me to tell me that they were unable to get a payment from me. I gave them an entirely different bank card ( CHASE bank card ) to use, and they were satisfied. Yet STILL, the merchant was able to process a recurring charge on XXXX XXXX using the closed credit card on a closed account, even though they had called to say that they were not able to process it. When I asked them about it, they said it just went through and, they weren't sure why, and to contact AMEX. AMEX said they would put a block against the merchant but I told them there should have been a block on ALL recurring charges AND the account was closed. The AMEX agent then said that charges could still post to the account even though it was closed. And I told him that the person who closed my account said that no charges could post to a closed account. So which is the truth??? AMEX allowed this and other payments to process on a closed account and closed card, and a situation where the new card is supposed to block all recurring charges! And if you talk to these customer service people, one will say the recurring clock is on the account, the next will say that it is not, and the next will say that it is but it was in effect only after a certain date. I've heard it ALL. The fact of the matter is, I opened the new card with the request of absolutely no recurring charges being able to come through the card at all from any merchant. XXXX that conversation with the rep when this card was ordered and you will see that this is true. All of these problems point to incompetence and/or complete disregard for my requests in the customer service department , coupled with errors in the software. This is completely unimaginable. HOW can AMEX disregard XXXXXXXX XXXX I have in place to prevent charges to my account, yet they authorize charges anyhow? The trust had already been eroded months ago when they disregarded my request to block the merchant in XXXX to the tune of {$990.00} and again in XXXX for {$990.00}. This is corporate fraud. They are allocating charges to my account without my permission and against my explicitly stated will on multiple occasions. Furthermore, they are rebilling the disputed charges at their will and adding fees without refunding the fees. I have a suspicion that they are not actually taking the rebilled amount off the final balance each month as well because I have paid the amount due minus the disputed amount and closed the account. Yet, still they post that there is a balance due of over {$2900.00} when the only posted charges are the ones they've created on their own and apparently against my request ( the recurring charges that should have been blocked and the rebilling of the dispute that even they show credited but the credit actually not reflected in the balance ). There are some serious issues here and I look forward to resolution!
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I used to have a bluebird by American Express prepaid debit card with this company under my married name. I recently got my divorce finalized and went back to my maiden name and instead of changing my last name. I choose to close my accounts and reopen them in my maiden name last name just in case they were linked to anything else. Just to save myself the headache. I even wanted a little bit before trying to open account under my maiden name to give the system time to close them and clear them. At this point I was still being denied. I spoke with customer support to find out why and the gentlemens never gave me a reason. But I never recieve a reason by mail why I was denied/not approved. If they need me to verify my name change I can provide that but they cant give me a number or email to contact to see how to get this issue resolved. I spoke to a department manager on XXXX and she couldnt give me answers just keeps telling me to register the card which the system wont allow me to do. I spoke to an employee about a week ago who told me I could get a card from XXXX and register it that way, which I did on XXXX and its still wont allow me online access. So now I have a card that I cant get my money off of.
Company Response:
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I set my XXXX on auto pay for payment. During the setup, I didn't know the setup took the original set for {$3400.00} and payed on XXXX ( transaction reference number XXXX ). During the process, I didn't believe took, so XXXX setup auto pay for second {$4000.00} to ensure the payment was setup. I am a XXXX veteran, and I am out paying at a doctors appointment when my AMEX was declined, I was astonished because I just made a payment XXXX on XXXX. I called AMEX when they explained me its there policy that the payment has to be declined XXXX times before they will reactivate my card for use! This seems highly wrong for someone that just made payments and this extra transaction that was cancelled with XXXX and cleared with XXXX STILL on XXXX XXXX my card is inactive, made an attempts to stop it and clear it with AMEX with prevail.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX and American Express hae fraudulently reported my death causing tremendous strain to my life.This has caused great emotional distress and Financial damages. XXXX has neglected its lawful, legal duties while violating several of my rights. I have asked for copies of my report for a full year now and they have only sent letters saying they are in receipt of my request. It has now been a full year of this every month refusing their lawful duty. The letter will be in the attachments. This consistent action neglects their lawful, legal obligation under 15 U.S.C. 1681y section 623 and my rights under 15 U.S.C 1681g I have disputed this fraudulent claim for a full year and it continues to show in my report. With me reaching out and making it known that I am alive ; they have continued in their negligence of federal law 15 U.S.C 1681e. They have not only failed their lawful duty to accuracy but also violated my right under 15 U.S.C 1681b ( a ) 2. Not only have I not consented to this reporting, I have made it known that this is against federal law and XXXX continues to willfully violate my rights and neglect its legal duties. These violations caused me 1 year of interest rate hikes on my home. not to be eligible for my mortgage trouble getting a vehicle. Loss of jobs. And inability to continue life for a full year. This has totaled {$360000.00} in damages pain and angiush to me and my family.
Company Response:
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am being denied a credit limit increase on this credit card account ending in XXXX. The reasons I am being denied it for are not true. It is saying that my income is insufficient compared to my debt obligations but I do not have excess debt. Everytime I try applying for a credit limit increase, I get a different reason for the denial.
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Attempted to open a credit card with American Express. American Express queried XXXX for my credit report. XXXX is reporting to American Express that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on XXXX credit report.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX. I made a payment to America express. America express only applied {$1100.00}. I have been calling so they can applied the right amount and they continue saying that it was a mistake and they were going to fix it and we still waiting for them to fix the issue. it has been a month from them collecting interest on an amount that was payoff. This is not right i do not own them anything i want the money back or the money to be apply to the balance. I attached the whole statement to prove it. Also they advised that they were going to give me XXXX miles when i spend XXXX dollars when i called they told me i had a chance to get it until XX/XX/XXXX. them they told me it was too late that was only until XX/XX/XXXX that is false advertising. i want this issue to be resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A purchase was made from XXXX on XX/XX/XXXX using my credit card, phone number, email, and billing address, but with a different shipping address. Total amount : {$840.00}. XXXX has already shipped. Another charge from XXXX XXXX on XX/XX/XXXX for {$740.00}. Reported both purchases to credit card company on XX/XX/XXXX. Investigation ongoing XX/XX/XXXX. Credit card company suggested I also open a case with the FTC. Trying to intercept package from XXXX to return to sender.
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A