Date Received: 2022-11-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had opened the American Express Blue Cash Preferred credit card on XX/XX/2022. The welcome offer on the card was {$300.00} on spending {$3000.00} within the first 6 months, with the 6 months period being from XX/XX/2022- XX/XX/2022. On XX/XX/XXXX, American Express determined that I had met the spending requirement of {$3000.00}, and provided me with the welcome offer of {$300.00} cashback. On XX/XX/2022, American Express sent me an email stating that : " We have charged {$300.00} to your account referenced above and wed like to explain why. Heres what happened After careful review, we noticed you had received a credit linked to a promotional offer you were enrolled in. Unfortunately, after issuing the credit we found that you did not satisfy the terms of the promotional offer. You will see the charge on an upcoming statement. " This email is completely unwarranted, and their customer service team stated that there was a miscalculation due to which the {$300.00} welcome offer was given to me, and I have not " actually '' met the spending requirements. They highlighted some credits which I had received in my account due to return of items. dated XX/XX/XXXX, and XX/XX/XXXX respectively, which they had " mistakenly '' not considered when providing me with the bonus on XX/XX/XXXX. The point to be noted here is that the credits being referenced here occurred on XX/XX/XXXX and XX/XX/XXXX respectively, whereas the welcome bonus was credited to my account on XX/XX/XXXX, which is after a period of 45 days. This means that American Express had enough time to update their system, and even after the credits received by me on XX/XX/XXXX and XXXX, American Express determined that I am supposed to receive the welcome bonus. ( which was subsequently credited on XX/XX/XXXX ). However, on XX/XX/XXXX, I have received the email described above. The point to note here is that American Express specifically sent this email on XX/XX/XXXX, 1 day after the " six month spending period '' has expired. This was done in bad faith, so that there is no possibility to meet the spending requirement anymore. Another point is that, why have they now determined that I did not meet the spending requirement, when the welcome bonus was credited to my account on XX/XX/XXXX. That leaves a period of 4 months between XX/XX/XXXX to XX/XX/XXXX, when they could have sent an email to specify that my spending requirement has not been met. However, they took a period of 120 days for their system to get updated, and conclude that the welcome offer was credited incorrectly. This is a deliberate case of cheating and Fraud. Especially given the dates of the events as they occur, it is an obvious attempt by American Express to cheat consumers by providing them a " welcome bonus '' early, and then after the " spending period '' has expired, to get back saying that they have reviewed and it is incorrect, leaving the consumers with no chance of meeting the spending requirements.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: 15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy. 15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given. acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. There is a public record on the Report XXXX XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies
Company Response:
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX XXXX CREDIT CARD- PAYMENT ELECTRONICALLY SENT ON XX/XX/2022 STATED DUE DATE - AE DID NOT POST TILL XX/XX/2022 CAUSING SYSTEM GENERATED LATE FEE {$29.00} AND AN INTEREST CHARGE OF {$59.00} - ON CURRENT BILL WAS CHARGED AN ADDITIONAL INTEREST CHARGE OF $ XXXX ALL PREVIOUS AND CURRENT PAYMENTS MADE FROM XXXX BANK SENT ELECTRONICALLY ON DUE DATE. IN SEVERAL CONVERSATIONS WITH AE THEY WOULD CREDIT THE LATE FEE BUT DID NOT APPEAR ON CURRENT BILLING. XXXX XXXX XXXX ACCOUNT ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX
Company Response:
State: OH
Zip: XXXXX
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: 2022-11-22
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have documents of my security freeze placed XX/XX/, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, XXXX, XXXX and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to XXXXnjury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, XXXX did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
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 have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered on XX/XX/XXXX. Credit Card balance of $ XXXX.I received a notice stating my account will be closed XXXX/XXXX/22 as I stated clearly I'm accepting for value and returning to the sender extinguished as a Mutual offset credit exemption settling & satisfying the account NOT CLOSE.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with AMEX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am a good customer of Amex and until recently I had no complaints. That all changed on XX/XX/XXXX when I received notice that XXXX membership rewards points were unilaterally removed from my account, needless to say, that left me both surprised and upset. I immediately called membership rewards and I was told that due to a technicality concerning cancellation dates, a bonus I had rightfully earned was taken away from me. On XX/XX/XXXX, I called Amex to cancel the card in question, my reason for cancelling the everyday preferred card was the fact that I had recently opened a XXXX card with a {$690.00} annual fee. I specifically asked the Amex representative about my points and was told that they would transfer to my account. I relied on this representation by the Amex XXXX, had I not been told my points were safe I would not have cancelled the card on that day. I am not disputing the original terms on the card and the bonus. But XX/XX/XXXX, the Amex agent misrepresented the situation and I relied on that misrepresentation to my detriment. I would like to continue my long relationship with Amex, but I feel wronged, and that injustice has occurred, Amex has been unjustly enriched at my expense. I request equity, I just want my points returned, nothing more. I called several times and was given the run around, they finally gave me a mailing address. I sent a letter to their office in New York, and they didn't even have the decency to reply.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: AMERICAN EXPRESS closed my account without my consent. Im aware that an account is never closed. They also have a charge off on my consumer report as if I was obligated to pay something. The contract simply shows that the balance is owed to me! They are continuously using false and deceptive practices!
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/18 I called american express to get new card. They had a deal so I got one I had a old american express card which I had for 14 Years. Guy on phone Specifically told me if I close the old one that it wouldn't effect my Credit score because the new one would be the same account number. I asked 3 separate times I told him I was a member for 14 years and wanted to make sure that it stayed that way. He said Specifically that the account stays the same only difference was new card number. Said I wouldn't be affected and now more score dropped XXXX Points do to misinformation. They have it recorded and are opening a internal investigation. Issue is as a consumer I now have a tanked XXXX XXXX due to mis information by there Customer service team. The told me I can try to get reinstated, but im past the 30 days and they want to rerun a hard inquiry and can't guarntee that they reinstate. This is a HUGE problem and credit fraud on there end I need help
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I noticed that my American Express credit card is charging me 28.49 % APR. It is definitely my fault for not having paid attention to this sooner. I contacted the company on XX/XX/XXXX at about XXXX XXXX Pacific time. I spoke with customer service rep " XXXX '' ( based in XXXX ) who told me there was not a lower rate possible. I then spoke with supervisor " XXXX '' ( XXXX ) who told me the same thing. XXXX said the rate is based upon " credit rating, history, other balances and the like. '' ( the usual filler response. ) I asked if there was an appeal process ( as I have encountered with other financial institutions ) and XXXX said no. However, XXXX mentioned that my account would be " reviewed again '' in XXXX. I doubt seriously they will lower the interest rate. I have had a relationship with American Express since XXXX and have never defaulted or behaved poorly with my accounts. I have not always carried balances. I have a credit score of XXXX and yes I do have other balances with other banks as I am trying to start a business. But I have always handled my credit obligations beyond reproach. This rate is Usurious. It's like a loan shark. American Express should be ashamed of themselves. It is NO WONDER some people are never able to get out of debt!!
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A