Date Received: 2022-11-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XXXX, I detected two unauthorized ATM transactions in my Amex Serve account.I contacted Amex and they start investigation.They never credited my account with the missing money.After 45 days Amex said that transactions was authorized.They never did any investigation. Amex don't have them own ATM .I brought that case to Attorney General Office for Dispute Resolution.After 6 months AG office said that can't help me, because Amex never answer to them request.I brought that case to XXXX XXXX XXXX XXXX I have Judge Decision and Notice of Order ( XXXX ) ENTERED on XX/XX/XXXX for the amount of XXXX $ in FAVOR of XXXX XXXX sent to Amex Copy of Judgment and Notice of Entry. After fife weeks silence from Amex, on XXXX, I brought my case to XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - Fax : ( XXXX ) XXXX. Already 3 months since, I STILL DON'T HAVE MY MONEY. Sincerely, XXXX XXXX ; DOB- XX/XX/XXXX ; SSN # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Amex Serve ; Account # XXXX
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$1800.00} from AMEX XXXX American Express ) which it says charged off but is reporting on my credit file and is inaccurate.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: My Serve card was stolen on XX/XX/XXXX. I had 3 charges on the card before I caught it. I reported the card stolen and the charges on the same day XX/XX/XXXX. I went and did a police report and filled their declaration of fraud. On XX/XX/XXXX I received an email for Serve saying they denied the disputes. I called them and they reopened the case. The police officer who filed the report called them 3 times and they put him on hold and then hung up. I called them yesterday XX/XX/XXXX and they said it can take 45 days. But per there rules they should give a provisional credit they said they are waiting to hear from someone if I am approved for this. This is for American Express Serve.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Investigation Request Letter Date of Birth :XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXXXXXX XXXX XXXXXXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: My Bluebird Prepaid Debit Account issued by American Express Travel Related Services Company , Inc., XXXX XXXX XXXX, XXXX XXXX, NY XXXX are holding my money and preventing me from paying a bill. They are going to cause me to be late, and if they do they should be made to reimburse me for the fees I incur. Tonight I spoke with a XXXX and a supervisor XXXX until XXXX XXXX who would not pay the payee I needed to pay through the system on their end. They both could see that my account had {$310.00} and told me they are not a credit card company and can not pay the payee for me. They also had me clear cache, data & history from both my cell phone and PC and attempted to tell me that it must be the payees issue?! This payee was paid previously without issue. This is a third party to the transaction and simply wants to be paid. The response given by XXXX a supposed supervisor makes no sense! I asked them both to take the block off of my account on their end & release my funds so that I can pay my bill. I asked that they stop playing games with my money. I can not for the life of me understand why I have to reach out to the CFPB with companies that simply will not just do the right thing for their customers, and for what reason? Isit that they simply want to hold their customers money a little longer to collect the interest accumulated? Make it make sense please. They have my money let me pay my bills with it this is so stupid it's beyond words.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express XXXX sent a response regarding the initial complaint indicating that my account was late and stated such fee could not be waived as it was applied correctly, as my complaint was frivolous and they were indeed correct. When I sent the remittance coupon to the corporation it was on time and was sent days before the due date. The corporation is refusing to accept the remittance coupon because I caught onto their embezzling scheme of stating that I owed them a debt when in fact all bills are prepaid and the remittance coupon was accepted for value. They are refusing to acknowledge that all debt is prepaid and in addition, banks do not loan anything out. The very funds that I have been using has been in fact coming from my strawmans account. They are also in violation of several laws by refusing to accept and acknowledge that according to HJR192, UCC 3-603, UCC 3-104 , UCC1-308, 12 USC 411, UCC 3- 419 , 18 USC 8 states the value of what currency is and that all debt are prepaid and are a negotiable instrument. They are also within violation of 12 CFR 215.3 - Extension of credit. and according to their claims it is based upon the history of my payment history, etc.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Asked if the annual fee could be waived due to being impacted by hurricane XXXX. I was affected by a natural disaster and I was told my American Express that they dont help customers who are affected by natural disasters. Colleagues, friends and family members of mine called American Express and got their annual fees waive due to being affected the hurricane. Every little bit helps during these trying times and it saddens me that American Express picks and choose who they help during natural disasters. Ive been a good paying client for two years and never once asked for anything to be waived. It would be nice to know that American Express actually cares about all of their clients and not just some.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Refund from XXXX was being made in the form of the card used on file. Although, the card numbers changed, since I lost the older card. Therefore, the credit in the amount of {$240.00}. Card numbers have changed and cause the credit to be applied.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
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 am owed a pro-rated refund for the annual fee on my XXXX XXXX XXXX American Express Card. I closed the card in early XXXX, at which time I was told that the annual fee would be pro-rated and the balance refunded. I called on XX/XX/XXXX to ask for that balance to be returned, and was told that a recording of the call would be reviewed to confirm my claim. In calling today ( XX/XX/XXXX ), I was told that my request was denied, and that the only way I could access the recording would be with a subpoena. This is unacceptable, as I clearly recall what was said to me. I am being defrauded by American Express for the roughly {$400.00} balance of my annual fee. Thank you for your help.
Company Response:
State: CA
Zip: 94597
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: Good Day I am XXXX XXXX, XXXX, XXXX. Prior to XXXX, i make a reservation at the XXXX XXXX in XXXX, XXXX, a XXXX XXXX, The reservation was made with a Platinum American Express Card and a charge for XXXX XXXX 's was paid. Because of XXXX, we were not able to use the reservation and the hotel issued a voucher for us to use. We however, were not able to get back to XXXX and the Hotel was changing ownership. The hotel staff offered to transfer the XXXX XXXX to american express via an XXXX number and XXXX number. I went on the Amex web site and got the information and forwarded it to the Hotel. All of this correspondence is via email. The hotel transferred the money to XXXX number XXXX on XX/XX/2022 and was received by XXXX XXXX on XX/XX/2022. When i checked with American Express as to whether the funds were received, they told me that they do not deal with XXXXXXXX XXXX only XXXX XXXX and gave me a different XXXX number. XXXX. I called XXXXXXXX XXXX and although very nice, they were unable to help in matter and suggested that the Hotel recall the transfer and reissue the refund to the new XXXX number, The Hotel financial staff, again were very nice but said they were unable to recall the transfer and that there was nothing else they could do. The funds are sitting in an account at XXXX XXXX that i am unable to access. I am looking for an next step to get my XXXX XXXX back.
Company Response:
State: PA
Zip: 19010
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A