Date Received: 2022-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I lost my wallet on the XXXX or XXXX XX/XX/2021 at a Gas Station in the XXXX XXXX XXXX XXXX, CA ( in my wallet there was CAC, My driver license, SSN cards, 1 GTCC, 2 debit cards and 1 credit card ) and notice several fraudulent transactions occurring with the lost debit and credit cards. Later I found out there are identity thief actions going on using my Identities including open bank account XXXX XXXX XXXX XXXX, American express ) attempt to loan the money from the bank. I started report to let the bank know that this is going on, all figured out but only AMEX denied my disputed and they believed that I am the one created the account and use up to {$1800.00}. I have 2 police reports from the XXXX XXXX XXXX XXXX and couples of FTC reports. I need help, I am the victim of identity theft. Whatever evidence that you need please ask so I can prove that I have nothing to do with American Express Credit charged ( {$1800.00} ).
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I opened an american express blue business plus credit card in XXXXXXXX XXXX XXXX In XXXXXXXX XXXX XXXX the minimum statement balance due was returned from my business checking account auto-draft for insufficient funds. I paid the minimum payment due manually using a different checking account before the statement due date. Due to the returned insufficient funds payment, Amex cancelled my introductory 0 % XXXX and began charging me interest on balances at 26 % XXXX, even though I had paid all minimum payments due on schedule, before the due date. on XX/XX/XXXX I called amex to dispute the interest charged, and was told someone would get back to me after an account review. No one got back to me, and my most recent statement includes additional interest charged.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment of {$990.00} on XX/XX/XXXX using XXXX XXXX XXXX to my American Express credit card. XXXX says they sent the payment and has provided me with a receipt. American Express has not credited my account and tells me they have not received the payment. I have made payments in this way before, and it worked just fine, but American Express will not credit my account despite the fact that I submitted all documentation that XXXX will provide. American Express says they need a transmittal form, which is not something XXXX will provide. American Express has a bill pay agreement with XXXX, but no one I speak with at American Express seems to know how it works because they keep asking me for documents that XXXX doesn't provide. My money is gone from the pre-paid debit card that I used for the payment, but American Express keeps claiming they didn't get any payment. I am out {$990.00} because they won't help. I have submitted 2 payment disputes through American Express, and they have closed them both times, saying that I have not provided the proof they need, and asking for documents that do not exist for payments made through XXXX bill pay.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ) with a group of friends. I authorized one charge of approximately {$580.00} on my American Express XXXX credit card. When I was leaving, I noticed my wallet was missing. I immediately reported it to the venue to let me know if they found it. The next day I found XXXX additional charges totaling approximately {$110000.00} on my credit card which had been stolen, along with my wallet and driver 's license. The venue had previously had my signature as well as all of my credentials in my wallet. I immediately called the venue to report the issue- they claimed they would get back to me but did not. I then reported the fraud to the local police department in XXXX XXXX. I also immediately filed disputes of the fraudulent charges with American Express. During the American Express investigation, I received a two sentence form demand letter from XXXX XXXX XXXX that threatening that I should not dispute the charges. I requested video from the venue but they refused to provide. American Express relied on fraudulent and forged " receipts '' in denying my claim and has now closed the dispute in favor of the venue. American Express is contractually obligated to protect me from this type of fraud but has failed to do so and this has caused substantial hardship to my family and I. It is clear that XXXX XXXX XXXX is running a scam of stealing patron 's cards, wallets, cash, etc. and then sending a standard form response to credit card companies like American Express when there is a fraud claim. American Express has now become complicit by approving this fraudulent activity.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
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: I recently opened a dispute with American Express regarding a transaction of {$1600.00}. American Express kept postponing the dispute decision. After a while, they closed the dispute since they believed " according to the transaction '' circumstances they couldn't verify that the merchant failed to deliver the product. This is completely disgraceful since I provided them with proof that the merchant failed to deliver such goods. This leaves worried and anxious to use American Express again because I feel that merchants can get away by breaching the rules of terms and service and AMEX can't do anything about it. I am extremely mad and frustrated.
Company Response:
State: IL
Zip: 60025
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an inquiry for an American Express business credit card i do not recognize
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This compliant revolves around the collection agency XXXX and XXXX, XX/XX/XXXX of last year, I settled a debt with Kabbage on a business loan, and worked with XXXX XXXX from their Lien division. She was sending emails advising, a lien was going to be placed on my assets, and I had 24 hours to respond. I was initially contacted on XX/XX/XXXX regarding XXXX ( USD ) debt with Kabbage, which I settled for XXXX with the payment clearing on XX/XX/XXXX. XXXX XXXX on behalf of XXXX and XXXX, sent an email on XX/XX/XXXX, attempting to collect XXXX ( which XXXX ). I signed in to their website, and also see an open balance of XXXX, with my XXXX prior payment. Essentially, XXXX and XXXX never cleared in their system, or closed out the debt, and reflected the accepted settlement offer. Starting on XX/XX/XXXX, I sent several emails ( one to XXXX and XXXX and XXXX support ), advising this was settled and offering to provide documentation. No one from the company has responded. On XX/XX/XXXX, I sent an email to XXXX XXXX from their XXXX division who I negotiated the settlement with XX/XX/XXXX of last year. I requested that she close this out, and stop any collection activity, since we settled this last year. I'm currently awaiting a response. This is the XXXX # : XXXX
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022 I purchased flights to XXXX with XXXX XXXX. As I navigated through the purchase, I was shown an ad from XXXX and American Express for a XXXX card that told me I could get {$300.00} cashback if I opened an AmEx XXXX card, after {$2000.00} in qualifying purchases. I started using the card and after I spent {$2000.00} and still had not been credited the cashback, I called AmEx in early XXXX, roughly 6 weeks after opening the card [ I asked AmEx for this date, and they had a record of the call but would not tell me the date of this call ] and asked them why I had not been credited the cashback. The representative I spoke with said " everything has been done to qualify, you don't need to do anything more, it just takes 8-12 weeks to apply to the cashback. '' So I waited until 12 weeks had past and called again on XX/XX/XXXX and was told that there were actually two separate offers ; I had been credited skymiles after making {$2000.00} in qualifying purchases, but I would not be getting the {$300.00} cashback because I had failed to make a purchase with XXXX within 3 months of opening the card. I explained to the representative I did not know that I was expected to make a purchase on XXXX and that the first representative I spoke to had told me I didn't need to do anything more for the cashback, which turned out to have been incorrect. In fact, that representative had advised me to wait and not follow up until my eligibility ran out. The second representative opened a case with AmEx to request that my window to make a purchase with XXXX and get cashback be extended. I called again in late XXXX and was told that it takes 30 business days to resolve a case, so to call back on or after XX/XX/XXXX. I called again on XX/XX/2022 and was told " anything that was in the terms and conditions would supersede what any representative told '' me and so they would not grant me the cash back or extend my window to qualify for the cashback.
Company Response:
State: NC
Zip: 27517
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Being a recent XXXX at age XXXX, I responded to a XXXX notice of payment. I was told I was being hacked and to call my bank, XXXX XXXX XXXX. I called the number on the back of the debit card and asked for the fraud department.The fraud investigator that someone at my branch had sold my identity and not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us and where my grandchildren went to school. My computers and phone were hacked. Without my authorization, they emptied {$250000.00} from American Express XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX for {$100000.00}. I have been with American Express for over 20 years and NEVER have taken any money out of that account. The hackers created a new link to a different bank ( XXXX ). All deposits were always done by a linked XXXX XXXX XXXX account. I was never notified that there was any large activity in my account. The " investigation '' ( without considering a XXXX year history ), found no wrongdoing. The hackers also created an account in my name at XXXX XXXX XXXX where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created. I contend that XXXX XXXX XXXX is culpable in additional activity that came to another {$450000.00}. I have indicated to these banks that I have a police report, FTC number, FBI report, and I have even met with the XXXX XXXX. I am disheartened that an institution such as American Express did not thoroughly investigate the withdrawal of {$250000.00} in a matter of days.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, at some point in the afternoon, I logged into the Amex mobile application, added a new bank account, and made a payment for {$150.00} from this new bank account. The application thanked me but did not send a payment confirmation email. I have never received payment confirmation emails from American Express. On XX/XX/2022, at XXXX XXXX, I received an email from Amex thanking me for my XXXX XXXX for {$150.00} on XX/XX/2022. Later on XXXX, I checked my bank accounts as I had just gotten paid. I confirmed the XXXX payment went through from yesterday to Amex and then checked my primary bill bank account. Another payment for {$150.00} was showing as processing to American Express from a bank account I did not authorize. I checked the Amex mobile application and it showed XXXX payments- XXXX posted and XXXX processing. I called Amex and they were unable to stop the processing payment and were only able to log a complaint and instructed me to contact my bank. Amex also claimed that as the payment says " XXXX '' that I arranged for the payment myself. I did not. American Express has also routinely harassed me for money greater than my minimum payment due with threatening chats and several emails instructing me to pay XXXX greater than my minimum payment due listed on my statement. Not only have they violated the XXXX but under XXXX their account system falls under bait and switch. You can not claim a customer can use " pay over time '' and then hold an account for ransom for more money when a customer makes their minimum payment due, or more than their minimum payment due. That is a deceptive practice.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A