Date Received: 2022-12-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My gift card had its balance depleted although it was in a sealed envelope in my home. I contacted AmEx Gift card XXXX to report the fraud and was told to contact the XXXX XXXX XXXX at XXXX. I did this and XXXX identified the account of the individual who used the funds. I was told that AmEx GC has to file a chargeback. AmEx GC refuses to do anything further. They won't even take my name. I want my funds issued to a new card but they will not do this. I am being pushed off on the other party with hold times in excess of 30 mins for each call. XXXX can not reissue the card so it seems that AmEx does not want to return my funds or do anything but blame the merchant. AmEx will not do file a chargeback or file a dispute with XXXX. Please help. I am a victim of fraud but no one wants to help despite the identity of the person commiting the fraud now being known. I have no assoication with the person and have no online connection with him. Why is the victim pushed around when I helped identify the fraudlulent individual by pointing out the transactions with XXXX? This should be black and white - fraud identified and funds received. I have the card and I can verify EVERY number associated with the card to prove I am the cardholder and the one the sealed gift card was given to.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been under a XXXX XXXX for the past 3 year I have not applied for anything because I was aware that I will not get it due to me being and a XXXX XXXX this account is fraudulent
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My American Express Business Platinum Card was cancelled today, XX/XX/2022 by American Express. I pay my card on time and in full each month. My credit score is above 800. American Express justifies the closure based on a dispute I had with a merchant ( XXXX ) that was done on another account. That dispute ended in my favor. American Express charged me {$690.00} for 12 months of service ( aka annual fee ) on XX/XX/2022. They have not fulfilled their 12 months of service by cancelling this card, however they refuse to refund the annual fee. I have called American Express and tried to resolve this, and was transferred over seven times. Again, they have not refunded the fee. In compliance with State Law, I am requesting that the {$690.00} annual fee be refunded for services not rendered.
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My American Express XXXX XXXX XXXX was cancelled today, XX/XX/2022 by American Express. I pay my card on time and in full each month. My credit score is above XXXX. American Express justifies the closure based on disputes I had with a merchant ( XXXX ). Those disputes ended in my favor. American Express charged me {$450.00} for 12 months of service ( aka annual fee ) on XX/XX/2022. They have not fulfilled their 12 months of service by cancelling this card, however they refuse to refund the annual fee. I have called American Express and tried to resolve this, and was transferred over seven times. Again, they have not refunded the fee. In compliance with State Law, I am requesting that the {$450.00} annual fee be refunded for services not rendered.
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have review my credit report and I keep seeing burnout inquiries on my credit report that I did not do I reached out to have them removed but I did not get a response this is fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Please have these items removed
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, [ AMEX XXXX ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Previous Case # XXXX - to be withdrawn American Express On XX/XX/2022, withdrew {$3800.00} without my permission. American Express increased my amount owed to {$11000.00}. I had only one charge {$300.00}. I am over-charged {$4200.00}. There were no other amounts charged by me ( only placed on my account by American Express ). Please read letter to explain further charges placed due to American Express worker.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2022 I was just payed from my job in the amount of XXXX which was XXXX XXXX that morning. Around XXXX that morning I received a text from American Express saying my account was below XXXX with balance of XXXX cent. I contacted American Express for a dispute right after..I checked my account to see 2 transactions ( {$800.00}, {$870.00} ) were made to an XXXX XXXX. American Express tells me the transactions were made from my online account.I tell them I have my phone number hooked to my account so I dont have to use the online account..they constantly tells me my account automatically authorizes transactions so there was nothing they can do..I repeatedly tell them I dont know any XXXX XXXX but there was nothing they can do nor know if I can get my money back and I told them theyre the only ones who knows my info to be in my account but they say they cant see any of my online account that it is impossible for them to get into my online account. At that point I honestly feel like someone within their operations/employee did it.
Company Response:
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated. the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet XXXX and XXXX are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a business gold card through American Express. On XXXX we paid the entire amount due of over {$26000.00}. No additional payment is due for another 4 weeks. I just received notification today from American Express that they have blocked all new charges on all my other American Express cards, none of which are near their limit or have payments that are overdue. The reason I was given was that until I pay down the remaining balance on the gold card, they will not allow any more charges on any of my accounts. They are holding multiple accounts hostage and refusing to allow me to run my businesses when the remaining balance isn't due for several weeks. We were also lied to by one of their representatives about two weeks ago. They called us because they didn't want us to wait until the due date to make the {$26000.00} payment and wanted us to make the payment early. They called several days in a row. When I questioned why it needs to be paid early, I was told it doesn't but they would like it to be. I was also told that once we made the payment, that would allow us to again be able to charge an additional {$30000.00} on that card. After making the payment of {$26000.00} they then informed us that they are only allowing us to charge {$5000.00} more. It was a total bait and switch situation. I realize that their gold card has no preset limit. However, when asked what is controlling how our account is handled I was told that it is based on how we make our payments, they acknowledged that we are always on time, it is our credit score, which they let us know it has gone up the last few months, and finally our length of accounts, which we have been working with them for over 5 years. So the only thing left to determine why we are being treated this way is that we are being discriminated against. We have been treated completely unfairly. Thank you for your time and attention.
Company Response:
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A