Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had an ex-boyfriend use my SSN to open a credit card under my name. He put me as an authorized user without my Consent. I did contact the credit card company, but this hit is still showing on my credit report
Company Response:
State: MI
Zip: 49507
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am XXXX XXXX XXXX. I have been calling American Express for months trying to tell them that I can not afford the payment they are asking for. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX over the summer and have extensive medical bills. I have no other assets or income other than my social security payment. I have held this card for many, many years and they have not verified my income in over 10 years. They afforded me credit in the past few years which put me in a bind. I can not pay the bill and I called to try to get a lower interest rate and payment through their financial relief program, which advertises lower interest with lower monthly payments. Both options they provided to me do not lower monthly payments so I can not sign up for one. They won't help me get to a payment I can afford and said they will report to the credit bureaus and they will ruin my reputation. I just want to pay the bill monthly with a lower than {$100.00} payment and I'm not expecting the card to stay active, that's ok. What do I do?
Company Response:
State: CT
Zip: 06825
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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: American express corporate card services have been nothing but incompetent and clueless in the handing of my most recent dispute, allowing the merchant to charge my card without authorization. Twice now they have completely ignored their own written and published policies and allowed the fraudulent charge to go through by piggy backing on a previous authorization. XXXXXXXX XXXX XXXX of XXXX TX accused me of smoking in their room ( Im a nonsmoker, and I have stayed thousands of nights in hundreds of hotels in the past 5years without issue. ) provided no proof what so ever and quietly added the charge and tax to my card without obtaining authorization and sneaked the charge into the portfolio as if it had been authorized along with the room during check in. Authorized portion of the charge is XXXX, authorization given on XX/XX/XXXX for XXXX nights from XXXX to XXXX. Unauthorized portion of the charge is XXXX, tagged on sometime after XX/XX/XXXX. I was not notified nor did I consent to the charges. The card was not even present. I checked out on the app and later noticed the fraudulent charge. According to American Express merchant regulation section XXXX this is clearly not allowed. See written and published policy by AMEX below. This information is readily and freely available to anyone but somehow everyone at AMEX is oblivious to its existence or are intentionally ignoring their own policy to repeatedly side with the merchant who has blatantly violated the clearly defined policy. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Beginning in XX/XX/XXXX, you will be able to bill for damages to property or equipment, and bill for smoking fees. In order to bill for damages, there are conditions that must be met. 1. Written permission to bill the American Express card from the Card Member must be received after the damages occur. ( Note : that submitting the registration card will not be considered sufficient support. ) 2. The same American Express Card used for the hotel stay or rental must be used for the damages charges. 3. Charges must be submitted within 90 days of the hotel stay or rental date. 4. Charges for damages must be submitted as a separate charge. It can not be bundled/listed under the folio/agreement. 5. Follow regular Card Acceptance procedures for authorization and processing. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Why the charge is not valid : XXXX XXXX XXXX of XXXX did not inform me of the charge nor did they obtain permission to charge my card. In clear violation of first rule. XXXX XXXX XXXX of XXXX combined the charge into the initial authorization in the same portfolio on the same receipt to try and hide the fact that they had no authorization. In clear violation of the 4th rule, which goes hand in hand with the first. I had pointed this out to AMEX representative multiple times including spending over an hour with a woman who claimed to be a manager. Said manager was not only completely oblivious of AXEX policy she was so incompetent that after an hour she still does not understand the nature of the compliant, stating that since XXXX XXXX had provided a copy of the receipt the charges are automatically valid, Regardless if it was authorized in the first place. This is absolutely ridiculous, what she is essentially claiming is that once I authorize a charge the merchant can add on whatever charge they want at a later date as long they provide a receipt. The manager gave all kinds of excuses why she cant access my claim and why she cant resubmit the claim and how she is not allowed to contact the customer to provide update. That she has to contact a different department ect ect I never heard form AMEX after that. the level of incompetency at AMEX is beyond comprehension. Repeatedly ignoring their own policy which I had to point out to them and making excuse after excuse to side with the merchant who is submitting fraudulent charges. This behavior by a large and long established financial institution such as AMEX is disgusting, unethical and illegal. incompetence is at every level of this organization, I have waited over two months for AMEX to do nothing. Just look at the customer service rating of AMEX in recent years, nonexistent customer service has become the hallmark of American Express.
Company Response:
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased several Gift cards for clients directly from Amexgiftcard.com I gave a card to XXXX XXXX for {$1000.00} He went to the movies and used it very little. Suddenly it was denied at a supermarket. He called Amex ( spent forever on hold ), they told him the card had been hacked and XXXX charges for XXXX had been made. He told them he did not use the card and they said to take it up with the merchant that accepted the card. XXXX charge was in NY and the other in Texas. Amex said there was nothing they could do and to XXXX the merchants and take it up with them. Clearly fraud was involved and the gift card holder had no recourse. The card had been cloned. They said read the fine print on the user agreement. Their website says use with confidence but has nothing on their site about fraud charges. It just seems unjust as the gift card holder has no recourse against anyone The gift card # is XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On 1/23/22, several fraud charges using Send and Split feature were posted on my AMEX account. As soon as I saw these charges, I immediately called AMEX to inform them of fraud and that those transactions have not been authorized by me. Since XX/XX/XXXX I have called AMEX multiple times, i.e. XX/XX/XXXX, XX/XX/XXXX, etc. until last month because the amount has not been completely settled. I am still owed XXXX, and it has been painful to settle this issue with AMEX. Please see the details below: charges reversalXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX TOTAL XXXX XXXX I am hoping that you are able to assist me with this. Appreciate the support you can provide me. If you need additional information, please let me know. Thank you.
Company Response:
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
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 XXXX charged me {$110.00} for a membership renewal twice ( XXXX for mine, XXXX for my husband ) so XXXX separates transactions of {$110.00} totaling {$230.00}. On their policy states that a refund can be requested within a certain amount of time from the renewal date and I submitted a request for cancellation and refund within those days. XXXX accepted my request and issued refund for both transactions and sent separate emails with different confirmation for both refunds. I received credit for XXXX on my american express card but not the other. XXXX states both refunds were processed and American Express says XXXX was issued and the other one they have a confirmation but not a refund. I disputed this charge for a few months and American Express says nothing they can do. XXXX states refunds were issued to american express. So I was charged from Amex with a late fee and interest on this charge while they told me that I wasn't going to be penalized while the dispute is under investigation. Yet I was charged, as they state that my dispute was closed on XX/XX/XXXX while unresolved and I didnt receive notifications. Meanwhile, I have an email on XX/XX/XXXX that my dispute was resubmitted and that I wasnt going to be penalized until it was resolved. I had to pay the charge to AMEX and close my accounts. Meanwhile I didnt receive my money back and I did not receive services from XXXX XXXX.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: American Express platinum card has a monthly credit for a XXXX XXXX membership. XXXX has been billing differently lately - the charges come through as annual rather than monthly. This has gone on since XXXX and Amex hasnt fixed the issue or given the credits as they should. I wrote in last week and got nowhere. This is a global issue and credit forums are full of complaints of this issue. Amex has not resolved yet. See attached screenshots for the runaround amex has given people rather than resolve
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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: On XX/XX/XXXX - I ordered a XXXX XXXX XXXX '' on XXXX totaling {$2500.00}. On XXXX I received an email from XXXX XXXX the Laptop would be returned to XXXX due to a carrier issue ( XXXX ). I was refunded the {$2500.00}. On XX/XX/XXXX - XXXX billed me {$2500.00} to the same card I made the original purchase. On XX/XX/XXXX - I submitted a dispute claim to American Express. On XX/XX/XXXX - American Express provided a temporary credit on my account stating they will wait for XXXX to reply. On XX/XX/XXXX - American Express rebilled me for the {$2500.00} since XXXX responded stating I was given an early refund and they sent me a prepaid label... Which never happened as the device never arrived. On XX/XX/XXXX - American Express re-opened the dispute per my request as I located the emails showing XXXX getting the device back and refunding me on XX/XX/XXXX due to a XXXX error. On XXXX - American Express stated that the evidence and lack of XXXX responding put the dispute in my favor. On XX/XX/XXXX - American Express rebilled me again stating XXXX responded. They sent the exact same incorrect message as previously stating they gave me an early refund and sent a prepaid label, again false. On XX/XX/XXXX - I requested the case be reopened as XXXX received the device back, I never received and XXXX trying to rebill me for their mistake over XXXX months later. Overall, XXXX and XXXX had a system issue and the shipment was returned back to XXXX in XX/XX/XXXX. They waited XXXX months to rebill me ; which was not accurate. American Express takes the side of XXXX even though the evidence of the emails showing the device never being delivered to my house, XXXX has no evidence they ever sent me a prepaid label as they didnt since the device never arrived to me. It's big companies supporting big companies at the sake of customers like me.
Company Response:
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
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 an American Express XXXX card, which has a {$200.00} credit to be used on Amex XXXX. I used this card to book a room on XX/XX/2022, and got a credit ( {$200.00} ) on my account on XX/XX/2022. Then I canceled the reservation on XX/XX/2022, so the credit ( {$200.00} ) got reversed. And I also booked another room, and got the credit ( {$200.00} ) on XX/XX/2022. Then I canceled this reservation on XX/XX/2022 because of plan change, and this credit got reversed on XX/XX/2022. The last time I book a room on XX/XX/2022, this time Amex did not give me the credit, but when I cancel it, Amex charge me {$200.00} for no reason. I called Amex and they just transfer my call to multiple their teams ( XXXX team, Dispute team, Amex XXXX team... ), and none of them solve this problem. I also chatted with Amex service online, they are not helpful. I can not open a dispute on their website because they somehow does not show this option for charges from Amex XXXX. I already spent dozens of hours on this case.
Company Response:
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. AMEX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. XXXX XXXX HAD MULTIPLE INQUIRES FOR XXXX APPLICATION. Others were said to be pre qualifications but weren't. XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application. XXXX XXXX : XXXX dealer gave me multiple inquiries for XXXX application. XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A