Date Received: 2022-10-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I just pulled a copy of my credit report, I was shocked to discover that i had some unauthorized hard inquires and I do not know where they came from. I believe i am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of buying a home for my family and this is hurting my chances of being approved. Pleas remove the listed inquires that I did not authorize.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I filed a complaint with your agency XXXX American Express after multiple letters and emails from me, finally responded to the Government with a bogus, lying explanation. I have multiple emails to me from different people who told me, my card did not exist on their system ... .my card which says XXXX. THEN ALL OF A SUDDEN WHEN THE GOVERNMENT IS LOOKING AT THEM, they come up with a lame exuse that I cancelled the card. What????? Why would I cancel a XXXX XXXX XXXX. AMERICAN EXPRESS HAS NOW LIED TO A FEDERAL AGENCY. I demand a full explanation. when was this card issued? What records ( all of a sudden after 4 months of inquiring and being told their computer doesn't have a record of my card, they come up with this wild story " i '' cancelled it??? WRONG. IF SOMEONE GIVES ME A CARD WORTH {$100.00}, i DON'T CANCEL IT ... THAT IS A NUTS STORY THEY GAVE YOU. YES, they called twice, but never answered the phone when I returned a message. Ignored my voicemails when I could be reached. American Express has lied to you. My plastic card has prepaid gift card phone number on back of it. An XXXX number which I initially tried ... .but their computer had already erased it because it expired... according to card front in XXXX -- during the height of the covid lockdowns, so it was never used until I tried in XXXX. I ask the government to keep this open. American Express is lying, bluffing, failing to honor a pre paid card ( per the card itself ) and changing its story already in emails to me.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX I went in to XXXX XXXX XXXX, Ca. and purchased a gift card to make a Child Support arrears payment. I paid the store cashier {$80.00} plus {$6.00} for an American Express Gift Card. Transaction was completed and I was given a receipt. I tried to register the card for use on the number provided on the card, XXXX XXXX XXXX. I was told by recording that the card was invalid and needed to be registered upon purchase at the store purchased. I journeyed by foot back to XXXX XXXX and was told the proof of register was on the receipt and it was. Manager and I contacted American Express and sent all documents requested before I left the store. After 7 more calls since documents were sent on XX/XX/XXXX, and 6to 8 emails, they usually put me on hold for 20 minutes when I call and then hang up on me. Nothing has happened all calls were fruitless because person on phone ask for card number even though I explain problem, they proceed to tell me it's not registered, return to store to register. I need my money back.
Company Response:
State: CA
Zip: 933XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: My card was stolen and was used to steal {$2500.00} off my account. They purchased gift cards. I disputed the transactions but American express serve refused to refund/credit me and closed my account
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: My serve card was stolen and purchases were made I didnt authorize. They stole {$2500.00} from my account. I filed a dispute with American Express serve. They denied my dispute and closed my account for no reason
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To Whom It May Concern : I have been with American Express for 26 years. I had to leave the country to take care of my father who had passed away and in the interim I had to deal with two other deaths in two months apart all of them. I could not make the payments from overseas. American Express started to give me a hard time in 2021 and I tried really hard to make the payments to American Express. They were very rapid at closing my accounts and not giving me access to their website to make payments. They sent me to collections immediately and had three different places trying to collect the payments. One was from American Express and two different law firms. I tried to call American Express and they refused to talk to me and said the accounts have been closed that I should refer to the law firms. I tried really hard calling multiple times calling the law firms in which they didn't know what accounts they were collecting from and for what amounts. In addition what was the APR. I looked up their background and they had a very poor rating. Soon after I left messages for these firms I started to get texts to click on links and also get fraudulent emails. They were trying to hack me according to XXXX. This was very concerning and I said to American Express that they were the only company that didn't allow me to pay them directly or allow payment. This continued for months to the point where I sent an email to the CEO of American Express in which I had a correspondence and he said he was going to look into what was happening. I never heard back from anyone. I did a follow up and then a different person answered saying that I should deal with other law firms. Because of the amount of time they allowed to transpire they have hurt my credit and my XXXX score. They have charged off my accounts and hurt me drastically since my longest standing record was with American Express. Up until now they continue to delegate fraud and collect money and not show any balances because I have XXXX access to American Express. It all has caused stress, XXXX, physical health and time away from work. I hope someone could help me. P.S. I would rather not attach the email from the CEO but I will provide it privately.
Company Response:
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
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 been going back and forth with American Express on a Fraud claim since the end of XX/XX/2022. I had hired a freelancer to help with XXXX ads back in XX/XX/2022. I stopped doing business with them in XXXX. In XXXX, I started receiving a big increase in XXXX ads I did not authorize on my Amex XXXX card. I contacted the freelancer who kept promising a remedy. The charges kept going. I did not dispute since I was hopeful the freelancer would remedy and I would not have to risk getting my card cancelled. I ended up disputing fraudulent charges in the amount of {$270000.00}. When the freelancer stopped responding. I had to reach out to American Express and filed a dispute. They have been terrible to deal with. They rejected the fraud case twice and have not been in contact with me except one time to communicate reason why it was rejected. I have no choice now but to file this complaint since I did not authorize these charges and can not afford to pay them. XXXX has stated that my name and billing address were not on the account despite the fact that my card somehow went through.
Company Response:
State: KY
Zip: 40205
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My son, XXXX XXXX XXXX, received notice that American Express sent him to XXXX XXXX XXXX XXXX to collect {$900.00}. This was his former employer, XXXX 's American Express XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and American Express says they can't access the info because it went to XXXX and XXXX hangs up on you siting an " error '' while on hold. Please help.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Called XXXX, XXXX and XXXX XXXX disappointed at American Express. Im a XXXX XXXX XXXX since XXXX and not valued as a long-term card holder member. First on all, who give you the right to change my statement to paperless. I did not consent to paperless. You ( American Express ) bank on racking up on late fees by eliminating paper bill. I did not realize I was late in XXXX on one of my three American Express cards. I did not receive a bill. I called on XXXX to have the late fee reversed, the APR adjusted from XXXX percent to current XXXX and the interest XXXX adjusted. I made a request to have a mail statement bill. American Express does not inform you of the XXXX defaults to the highest rate of 29.99 % Yes, great customer service! You will have to read your billing statement to see the XXXX. Exhibit XXXX bill due XXXX, XXXX 12.49 %. Exhibit XXXX # billing statement due XXXX up from XXXX to 29.99 % with a XXXX late fee The rate is not more than double for missing a day or so? I thought everything was done. I called XXXX, I saw American Express Blue Card was at XXXX percent since XX/XX/XXXX and requested to have the APR adjusted. I asked again about late fee and the interest rate to be adjusted on my XXXX XXXX card. I was not told on XXXX it was denied. Again, when you on the phone they do not tell you your XXXX went up to the highest $ XXXX Well, I dont pay 29.99 % on anything. I receive the best rate on everything because of XXXX +years tenure with paying bills alone with an XXXX credit score! ( See uploaded snapshot ) The first representative on XXXX told me on the phone the late fee was reversed and the interest of {$87.00}. XXXX will be taking care of. It took 3 phone call to find out my interest was not adjusted. So called denied. Youre the only card that does this to me. XXXX card does not have a late fee. I spoke with a representative and supervisor on XXXX. I asked why didnt you communicate with me about my request being denial? Response, We dont communicate this to you? Well, You communicate everything else including a late bill! Third time with American Express and youre never transparent about the default/ penalty APR. And not attempting to be helpful. Let me effectively communicate this to you American Express. Do not send me any solicitation. Including charge cards, credit cards, XXXX, nor other banking product, loans ( XXXX ) personal or business and opt me out of everything. Im Leaving home without it The Business Platinum card will be paid off within a week and my operation will use move forward with Visa, XXXX and XXXX. You played hardball with a person who have many options. These cards of 20 years of membership means nothing to you. Yes, its my job to pay the bill. I missed my bill by " You '' not sending my statement. My interest rate request should have been honored because I did not consent to paperless statement. This is how I pay my bills and my right as a consumer. XXXX XXXX XXXX and I do not and cant change a method or mode of payment including billing delivery without the consent of the customer. I expect more from American Express! My industry is heavily regulated. And you should be included. Almost all the credit cards have eliminated the grace period. You skate around regulations so you can still charge the maximum on late fees and interest rates and can justified it! But at the end of the day, its the little people who work every day to pay bills on time and one day would say this has to end. There needs to be more regulation and transparency. I bet you tell your employees not to mention the default APR of 29.99 % to your customers! Most but not all, will look at the top on the bill for whats owned and the bottom for what is due. More than likely, they dont have a clue how much they are paying. You cant do this to persons who keep score. Remember credit card offered to XXXX XXXX with no jobs! Ethical? American Express dances on fine line within their rights to solicit, charge highest late fee and interest rate that you are flat out unethical to customers. My method of contact is by phone or mail. Never email!
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, my American Express Platinum Card was canceled by the American Express Company without any notice or valid reason ahead, they forfeited all my Membership Rewards Points ( over 120k Points ) from my account.
Company Response:
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A