Date Received: 2022-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off this debt in a settlement
Company Response:
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Card account was opened on XX/XX/2022 On XX/XX/XXXX, the annual membership fee of {$690.00} was added to my account. On XX/XX/2022, I made a payment of {$690.00} to my card account to cover the membership fee. My account was open for about only XXXX weeks before amex decided to close it, so I am requesting the full or pro-rated refund of annual fee since I didn't get to use my card for the full year. I contacted AMEX customer service, after learning that my account was closed, to request the refund and was told that the request to refund the membership fee has been initiated but no refund has been posted yet to my account Regards, XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am the Personal Representative for the Estate of XXXX XXXX XXXX XXXX XXXX XXXX, last XXXX numbers of the American Express Credit Card XXXX, Last four numbers Social Security : XXXX. On or about XX/XX/XXXX, I notified American Express ( XXXX ) that XXXX XXXX died XX/XX/XXXX and asked XXXX to close the account. I was informed that the account had a balance owing or {$140.00}. I a sent my check # XXXX, dated XX/XX/XXXX. XXXX deposited by XXXX on XX/XX/XXXX. In or about XX/XX/XXXX, I begin the process to collect the membership rewards for the Estate. A letter dated XX/XX/XXXX from XXXX stated, " ... we're unable to complete your request ... Account has past due amount of {$990.00} ''. I mailed a balance dispute letter XXXX XXXX. In addition to providing evidence that the {$140.00} was paid, I sent information to document the payment of XX/XX/XXXX account billing. On or about XX/XX/XXXX, I received an email stating that XXXX was confirming a change of address, phone number, and email for the account. I called XXXX today XX/XX/XXXX to tell AM that I did not request a change in address, etc. The Customer Service Rep. stated that the account had been turned over to a Third Party Collection Agency, the system was down, and I should call back after 48 hours.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX XXXX, I used rewards points to purchase XXXX dollars worth of XXXX XXXX XXXX XXXX from American Express. These are included in my digital gift card wallet and I can access these cards using an account number and pin number that is in the wallet to pull up the cards at the vendor website and review the balance. I closed my american express platinum card in the first week of XX/XX/XXXX. I called multiple times in XXXX and XXXX ( I believe once in XXXX ) asking about my account since I was not sure if I was planning on cancelling and I wanted more details about the process. There are at least two phone calls, both of which are recorded, that I specifically asked about access to my digital gift card wallet. I asked a number of other questions including access to reward points and other aspects of my account and was told I would not have access to these. I understood and made arrangements so that I would lose what had to be lost. I was specifically told I would be able to access already purchased gift cards through my digital gift card wallet once the card was canceled. After I closed my account I no longer had access to the digital gift card wallet. It took many attempts to work with American Express and was finally able to open a case. My goal is simply for someone at american express or me to access the already purchased numbers that I already owned to be able to use them without access the wallet. The case was closed with re-issuing of two cards I had purchased in XX/XX/XXXX, but none of the XXXX XXXX XXXX XXXX that had a remaining balance. I had thought giving my access to my own purchase would be reasonable since I had used some of the cards and was trying to be considerate in not wasting anyone else time to review each individual gift card. I would estimate I had between XXXX dollars of remaining balance on my XXXX XXXX XXXX XXXXXXXX. I contacted american express again today XX/XX/XXXX and was told that I was at loss for the amount because they could not reissue new cards for points purchased over a year ago. The reason I am bringing this up to the CFPB for arbitration or help is because I was specifically told my multiple customer service representatives that this specific situation would not occur. I have wasted time over and over again trying to resolve this and provide and easy solution. I was told there was nothing else that could be done and would like help in finding someone that could have the ability to provide me with this simple situation. I offered going through my receipts and going to the vendor ( XXXX ) at which some of the cards were used to determine the exact remaining balance. I have offered to do the work for them in determining the balance on the gift cards. If they had simply told me, on multiple occasions, that my access would have been lost, I would have written down the account number and pin number. The company is now telling me that what their representatives told me was wrong and that I am responsible for their mistake, despite me offering reasonable solutions to help them balance my account. American Express had great customer service when I was a card holder. I had only planned to discontinue my card for a few years when I have a low period of travel but this experience ( among other issues post closure, including not sending me my remaining positive balance until I had to call again to remind them ) had made me wary of the accuracy of the services they provide.
Company Response:
State: TX
Zip: 77004
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: 2022-12-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I've recently applied for an american express card and was denied. I've applied for this card in good faith per my rights. I have sent adverse action informing american express that I've applied for the XXXX XXXX preferred card in good faith and informed them that adverse action against a consumer is against the law. they have yet to respond. Meanwhile im suffering due to points drop on my credit report. Im injured due to the fact that I can't get approved for any credit to further I and my family of XXXX. I'm struggling to buy food and clothes for them. I can not provide at all. We are eating XXXX meal a day. I've come to know the laws that where violated ( My rights that were violated ) Violations are : 1 ). 15 USC 1691k 2 ) .15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Im writing to dispute information on my credit report. This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX XXXX on XXXX ; AMEX, XXXX on XXXX ; XXXX OF XXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX, XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX CARD, inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
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: On XX/XX/XXXX, XXXX, XXXX I transferred miles to another XXXX XXXX account. I was charged {$300.00} x 3 for each transfer when I was told {$30.00} charge for each transfer. Ive spoken with over 20 representatives with both American Express and XXXX. I have been hung up on on several occasions by both regular customer service representatives and supervisors. One charge of {$300.00} was credited however I am still waiting for the other refund of {$600.00}. I have opened a dispute with American Express and forwarded supporting documents. The dispute case has been closed and on XX/XX/XXXX I spoken with several representatives who also hung up on me. Dispute # XXXX opened on XX/XX/XXXX, XX/XX/XXXX spoke with supervisor, XXXX from Disputes Representative re-opened the investigation on XX/XX/XXXX.
Company Response:
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are multiple credit card inquiries on my credit report some which were made when I wasn't even in the country. I contacted the credit card companies for whom which I told I don't recognize the inquiry made and that it was a violation to still have it on my credit report. I was told they were gon na mark it as fraudulent and within 30 days or more it will be removed. It has been months as I made these calls in XXXX and they are still there.
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
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: This letter includes the information related to a complaint I filed today against American Express with the Consumer Financial Protection Bureau. In XX/XX/2022 I noticed several fraudulent billings to my American Express account from XXXX Most have been credited. However, XXXXXXXX billed my account TWICE for XXXX. They have only credited me for it ONCE, leaving XXXX for me to pay. I have called three times and written that many times. As nice as the service reps are they can never help me, they say the investigation is ongoing though that is not what it says online, and say they are taking care of it. No one takes care of it. I have been billed a minimum amount each month and interest on fraudulent charges. I dont trust them with my credit rating. Presently, they owe me what I have paid plus the interest. American Express says I do not have to pay on fraudulent charges, but that is not what has happened since XX/XX/2022. They have canceled my card twice. They have supposedly blocked that vendor twice. I am not using that account so this fraudulent card is all that there is on it. I can not take my time and waste it again by calling them. They send me a ridiculous automatic letter. They ask me the same questions. They need to credit me for XXXX, and return what I have paid to keep my account current.
Company Response:
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I, XXXX XXXX XXXX, tendered a payment in the amount of {$3000.00} for the account in the principal name XXXX XXXX ( ACCT # XXXX ) along with supported documents which were sent to AMERICAN EXPRESS XXXX XXXX and XXXX XXXX XXXXoing business as the CFO of AMERICAN EXPRESS to allow the financial institution another chance to act in honor. The correspondence was in fact received and the green receipt was signed and returned. ( See returned green receipts ) On XX/XX/2022 AMERICAN EXPRESS opened a dispute on my behalf because they could not locate the payment ( Reference Number XXXX ) and sent me an email on XX/XX/2022 requesting documentation to support my claim ( see email ). In response to this correspondence, on XX/XX/2022 I sent by fax to AMERICAN EXPRESS my endorsed bill, notarized letter of instruction, notarized power of attorney and state driver license. ( See Fax receipt ) On XX/XX/XXXX, I received another correspondence stating that the documents were not received and that the investigation was closed. ( see XXXX XXXX correspondence ) AMERICAN EXPRESS agreement under the section how to make a payment, states that they accept negotiable instruments as a form of payment ( see agreement pg XXXX ). Pursuant to UCC 3-104, AMERICAN EXPRESS issued a negotiable instrument to the principal XXXX XXXX with a purpose of giving rights on the instrument. As the holder of this instrument I am accepting the {$3000.00} credits and giving instruction to transfer them to the bearer in order to XXXX out the account. AMERICAN EXPRESS has continued to lie and create false information numerous of times which has caused me to not be able to use my card due to this outstanding balance that I have in good faith tried to tender payment for since XXXX. This is my last attempt to request for XXXX XXXX dba CFO of AMERICAN EXPRESS to apply the tendered negotiable instrument that was sent in to be applied to my principal balance or I will move forward with law suit actions.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A