Date Received: 2022-10-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, American Express cancelled my credit card with no notice provided to me of this confirmed action. On XX/XX/2022, American Express sent me an email stating if I made a minimum payment by XX/XX/2022, the following would occur as a result : - Avoid further negative impacts on your credit score - Stop additional late fees - Reduce your outstanding balance - Improve your accounts standing On XX/XX/2022, I made the minimum payment over the phone to take advantage of the benefits stated in the email I received on XX/XX/2022. During this phone call the representative did not disclose that there were plans to continue efforts to close the account regardless of me making the minimum payment. On XX/XX/2022, American Express reported to the 3 major credit bureaus that they've closed my credit line, causing further negative impacts on my credit score and not improving my account 's standing, as stated in the email I received on XX/XX/2022.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, we purchased a XXXX timeshare. The XXXX told us about an offer through American Express where you could receive XXXX bonus points and use it to pay off the timeshare cost. We opened the card for the purchase of this timeshare. Fees for closing costs were put on the card ( it was approximately $ XXXX ). About 10 days later, we decided to cancel the timeshare purchase. In that time, we received our card. We waited for the contract cancellation to go through with XXXX. I noticed online that XXXX had provided a credit of some sort because we used the card for a vacation related purchase, and one of the benefits of the card was a credit on any such purchases. I believe that was a {$150.00} credit. Once the cancellation was complete, the XXXX closing fee was refunded to the American Express card. I noticed a statement come through that showed a negative balance ( XXXX ). This was the credit provided by XXXX, which was later removed and given back to XXXX after the closing fee was refunded to us and the timeshare purchase was cancelled. We never took advantage of that fee because American Express took it back when the XXXX fee was reversed. Once we determined all the credit card activity was complete and card balance was XXXX, we closed the card and assumed all was good. About 2 months later, I opened an American Express statement and found a bill for {$150.00}. American Express indicated this was for the annual fee. The annual fee on this card is {$450.00}. However, we closed this card and basically never got any kind of benefit out of it. The perks of travel credits for vacation related purchases was never utilized as American Express removed their {$150.00} credit when XXXX reversed the fee and cancelled our timeshare. XXXX explained that this was the portion of the fee we were pay because we had the card one month. I do not understand that either. How do you get to {$150.00} if the fee was {$450.00} for the year. Simple math shows me the proportional cost to the time I had the card would make that bill {$37.00} because I only had the card one month ( {$450.00} / 12 months ). I didn't keep it one month to use it over 1 month. It was used 1 time for that closing fee, and we only kept it open until we determined that all the credits and charges were handled on XXXX on American Express 's end ( AxEx needed to take their {$150.00} credit back, and XXXX needed to take the charge off our account ). This made our account balance {$0.00} the day we closed it. American Express claims they can not remove this fee if their agent provided a disclosure there could be fees. I work in the credit card industry. The disclosures are the same for every single customer whether they have a balance or not, and they are read to every customer. I did not agree to a standard disclosure with the thinking I had a balance. In fact, my balance was XXXX as far as I was aware at the time. Had I known XXXX planned on charging me {$150.00} for keeping a credit card open for 1 month at the time I closed this card, I would have definitely expressed concern and opposition to this. You can not read a standard disclosure to a client that thinks they have a XXXX balance on their account and use that disclosures to justify a completely unfair fee for a card the received absolutely XXXX benefit from. Here is another reason American Express should remove this fee. When I cancelled the XXXX timeshare, I purchased a brand new XXXX timeshare. I cancelled out the account with XXXX and opened the same exact card ( just an American Express XXXX instead of American Express XXXX card ). I am actually going to be paying fees for this new card because I am keeping this timeshare. I can not get American Express to understand two very basis things : 1 ). I did not use the American Express XXXX card. Everything was returned and refunded to a XXXX balance. I had it for 1 month. I should not pay a {$150.00} fee for that. 2 ) I basically put this business right back with American Express by getting their other card that does the same thing with my new XXXX timeshare. This is of more benefit to me because I get benefits that are XXXX related. Why would I keep an American Express XXXX card if I moved my business to XXXX for my timeshare... .I just switched the timeshare company as well as the associated American Express XXXX. I will still be paying American Express their {$450.00} fee on a different card. This has impacted my credit, as well. American Express did report this to credit bureaus and it shows as a late {$150.00} fee unpaid.
Company Response:
State: UT
Zip: 84124
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I filed two complaints against AMEX for failure to comply with basic standards in customer service and the multiple promises AMEX mangers made to address miscalculations from a fraud claim in they own stamens ( when I for years was on an auto payment for the entire balance of my account ) and AMEX essentially ripped me off. They have been rude, dismissive, hung up on me, insulted me, promised me to 'recalculate the problem ;, and then never followed through. Now that they know Ive filled with the CFPB, my XXXX AMEX points have been locked away... This is beyond unprofessional. Please help. These individuals are ridiculous, can't seem to manage their own complaints internally ( I've been called 4 times at XXXX XXXX and repeatedly forced to verify my time zone ... yet then the members still don't SEE I LIVE IN HAWAII,,, meaning they didn't update my file to reflect the home and billing address time zone, just wasted my time ). This week, I waited on hold for an hour for a manager. I was promised XXXX, who left me a voicemail the day before, would call back. He never called back. The next representative XXXX reminded me what a useless consumer I am in derogatory comments and waiting on hold an additional 20 minutes... I want some justice here. I want my points worth over {$1000.00}, much less an apology and their correction to months of toxic neglect, threatening emails and text messages, when AMEX SCREWED UP THE REFUND!!! On XX/XX/XXXX, XXXX, an AMEX manager admitted over a long conversation the statement in question was wrong and promised to correct it. THAT NEVER HAPPENDED, instead UI 've been threatened and harassed more. So, complaint # XXXX, Please, CFPB, help. Of just join in the nonsense. I have no faith in any of you now
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have had several phone calls with the credit card company, the last of which was in XX/XX/XXXX. I thought the matter had been resolved. It is a business card from a company I left over two years ago. I alerted the corporation I was working for that my name should be removed from the corporate account ( there were at various times 3 or 4 people who had card ). The business apparently failed to do this and continued to use the card after my departure in XX/XX/XXXX. I was completely unaware of this fraudulent action I explained at length in several phone calls, over many long months that I did not make the charges, authorize any new charges, or ongoing automatic payments. I also did not receive any " material benefit '' from the purchases as would be required by the law. I ended my last call with the company hearing directly from them that " so, you are claiming that the charges were fraudulently made as you had left the company ( incorporated under NJ law ) two years before. I replied, " Yes! '' I have not received any communication from the company since XXXX of this year and I was under the assumption that the case was closed. I have now retained legal counsel to plead my case should the company continue to actively pursue this matter and to protect me from this continued harrassment.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I started an application online with American Express Hilton Honors. I decided I did not want to go through with applying or getting a new card so I never submitted the application and forgot about it. A card was sent to my house. I immediately shredded the card thinking it was something I was supposed to activate. In fact Amex stole my information online and opened the card against my knowledge and will. I found out about it when I received a late fee for a service charge on the account. I have spent hours on the phone with the them. They tell me its fixed but then a late charge is still existing and effecting my credit. I can not resolve this and need help.
Company Response:
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've told this company to stop calling me. They keep asking for XXXX XXXX. I am not that person. They still call me all times of day and night.
Company Response:
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/XXXX I was scammed out of XXXXXXXX XXXX XXXX on two separate prepaid American Express cards I purchased in trying to rent a car. I called my bank and they say it may take up to 45 days to get the case disputed and it's not a guarantee I'm going to get my money back!
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Amex denied credit application
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: After, receiving an invitation from American Express to apply for a business checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on American Express. They claim this was a very easy process and that credit worthiness is not a factor in their decisions. I filled out the form online, and provided every document required. I was denied a new business checking, due to reasons not provided nor I never received. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An individual American Express Account number that I did not open is reporting on my XXXX Credit Report as a charge off. That is not the individual American Express account number or physical credit card that I have on record in my personal files, nor has American Express ever contacted me about that account number. XXXX XXXX claims that it conducted a reasonable investigation which involved contacting American Express to verify the account. That account information is inaccurate. XXXX XXXX is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from XXXX XXXX and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A