Date Received: 2022-10-12
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 XXXX someone was able to access my AMEX online account to take my bank information off and add theirs instead. They had a totally different name and bank information from me as well. The person on the account has a womans name, which I am not. I have never seen or heard of this person or bank ( which I later found out was a XXXX XXXX account ) before. This person tried to make payments in the amounts of {$1200.00}, {$340.00}, {$300.00} and {$17.00}. Because they did not go through AMEX hit me with 4 returned payment fees. I only found all this out days later when I accessed my account. I reported the fraud to AMEX and was told not to worry about the payments as they did not go through but that they were unable to reverse these fees as my bank needs to do that. This was NOT my bank. I even called this bank and verified that I do not have an account there in case someone was also trying to impersonate me. I asked them for more information on this account and person and I was told they could not give me that information as they had to protect their customer. I have the name and partial account number as shown on my online amex account much to my surprise when I logged in. I have changed my password, received a new card and put MY bank back on there since but as these payments were obviously not me I do not know why AMEX will not reverse these fees totaling {$110.00}. I have called there multiple times and have gotten no resolution as of yet. This has been going on for a month now.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a American express card in the mail .I did not activate it called company and canceled but it is showing charges on my report
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
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 need your help with resolving my dispute with AmEx ( my credit card company ) and/or merchant. The merchant never issued a refund on the dispute- as promised in their settlement offer, and as it's mentioned in their Refund policy online : " Trip cancellation refunds Voluntary cancellation refund If youre the one who cancels the trip, you can choose between XXXX Credit and a monetary refund via the payment method you used to book your trip. '' And AmEx seems to be failing to thoroughly investigate the details on the dispute and keeps sending me rejections with the same irrelevant responses from Merchant, regardless of facts I've been submitting to them. Outrageous! I disputed this amount with American Express multiple times already, explained the circumstances, provided all supporting evidence per their request, but AmEx keeps rejecting the dispute and IGNORE the important facts. They once mentioned " COVID '' (?!??! ) issue that disqualifies me from obtaining the refund, which had nothing to do with my situation, no idea where AmEx got that from. Then they rejected based on " insufficient facts '', which is completely false as they had had all the info by then from my prior calls/letters. And their recent rejection included the same bogus copies of my flight tickets allegedly from XXXX that XXXX shared at the 1st round of dispute. ONCE AGAIN, AmEX FAILED INVESTIGATE properly and consider all the facts of the dispute I shared with them and closed it after receiving irrelevant documentation from the merchant as if any of the supporting documentation I submitted to them didn't exist. The matter stems from the situation that arose in XXXXXXXX XXXX XXXX when I used XXXX to book airplane tickets. Some of my immediate family members residing in XXXX my sister and her only daughter, my only niece like thousands of other XXXX were caught off-guard by the unexpected attack by XXXX and were forced to live in hiding and deprivation for weeks, trying to preserve their lives for as long as they can, unable to escape to safety. I cant express all the fear and pain Ive felt for those family members, while feeling completely helpless as there was literally nothing I could do to save or help them. When a lucky opportunity arose for them to leave XXXX without any guarantees, by hitchhiking, they were willing to jump on it without second thoughts. All they needed to do was to cross the closest border- between XXXX and XXXX. From there they could travel safely to XXXX and then unite with me here, in the United States as refugees. As soon as I heard of this chance for them to flee and survive, I immediately started looking for flights from XXXXt closest international airport to where they were coming from. They couldnt have flown directly into the USA at that time, so the best arrangements I could make for them then was to get them to fly out of XXXX to XXXX and then to XXXX, where I was planning to meet them and help them obtain refugee asylum in the United States. On XX/XX/XXXX I booked their XXXX XXXX XXXX tickets online and paid {$2900.00} with my American Express Platinum Card via XXXX. The flight out of XXXX was scheduled for XX/XX/XXXX, and my family had only a week to get to the airport from XXXX. It took them almost XXXX days to reach the XXXX border by hitchhiking. When they finally got there on XX/XX/XXXX, they witnessed a huge line of fleeing fellow XXXX trying the cross the border. They were told by the volunteers helping organize the process that the number of refugees is so vast that the border patrol cant process all these persons fast enough. My sister and niece were placed in the refugee camp right there for the night. In the morning of XX/XX/XXXX they were told that the line was moving very slowly and with so many people ahead of them the soonest theyll be able to cross the border was at least in a week. My sister was devastated and called me crying saying that there was no way for her to cross the border any time soon because of that huge line and she had no idea how many more days itd take her to get to the airport. She was desperate and felt like her hopes for a safe passage had just been crashed. After I finally managed to calm her down, I knew that I had to cancel the plane tickets as obviously circumstances had changed and there was nothing we could do to expedite her timely arrival at the XXXX airport. When I called XXXX right after on XX/XX/XXXX ( which was more than 3 full days before the scheduled flight ), I explained the situation to them in details and asked to grant me a credit for the full amount as Ill need to re-book the flights as soon as they actually get to the airport - or give me a refund for these flights. I was not certain of the date my family would be able to get to the airport and hence, I was not able to re-book the trip at that point, but I was willing to get a flight credit in the full amount from XXXX, so I could book a new trip when I had certainty with the dates of travel. Honestly, considering that I was notifying them way in advance of 24 hours before the flight ( and their website required a minimum of 24 hours of advance notice ) and that it was a pure force majeure event WAR- I expected their cooperation and understanding. However, the agent was completely disinterested in the details of the cancellation and said that shed be happy to cancel the tickets and issue the refund of XXXX. I thought I misheard her first and asked to repeat the amount. She did. It was still only XXXX I was shocked and rather insulted to hear that minuscular amount of the refund for almost a {$3000.00} charge! ... I tried to reason with her, reminded that it was clearly a force majeure event war- but she remained deaf to my situation. I asked her to connect me with a supervisor. She refused by saying that they wouldnt tell me anything new that she hadnt mentioned and wouldnt approve a larger refund amount as it was the amount allowed per their internal policy. I mentioned the policy cited on their website, and she replied she didnt know what I was talking about and had to rely on her internal guidelines for refunds. I was very disappointed with the outcome and the quality of customer dis-service I got from XXXX, so I contacted AmEx to dispute the charge, and here 's the nonsense with the dispute began .... PLEASE help me with getting this disputed amount written off by the creditor - AMEX - or force them to obtain my refund from the merchant. Attached are additional records of proof of my attempts to contact the merchant to resolve the matter, as well as the SETTLEMENT OFFER by the merchant ( see XXXX XXXX ( XXXX XXXX XXXX Respectfully yours, XXXX XXXX.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I had XXXX American Express prepaid cards, Bluebird # XXXX {$77.00} and XXXX # XXXX {$66.00}. I had my paycheck direct deposited into my XXXX account. I called American Express and they claimed they would send me a check in to mail and its been over a month already. They essentially closed both my accounts for violating terms of conditions, for simply entering my pin incorrectly at the ATM to withdrawn money from both accounts since I no longer used both the accounts. My funds were illegally taken by American Express in violation of Federal Banking Laws and they must be returned. Emails from American Express XXXX, XXXX XXXX, During our recent review of your Bluebird Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Hi, XXXX XXXX, Your Bluebird balance is currently {$77.00}. As a reminder, you scheduled this regular balance update in your settings. Want to change or cancel this balance alert? You can do that here. Questions or want to learn more about Bluebird? Visit us at Bluebird.com/faqs. Thanks, The Bluebird Team
Company Response:
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
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 believe Amex is not following the Fair Credit Billing Act in arbitering my dispute with XXXX, due to its commercial arrangement with the merchant.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
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 believe Amex is not acting in the spirit of an unbiased arbiter in my dispute ( as mandated by the Fair Credit Billing Act ) with XXXX, because of its commercial relationship with the merchant. I am fearful of the eventual final outcome of this unfair process.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Amex, I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX XXXX XXXX that has been closed but that was opened in my name that ended in XXXX and that I reported given this account was opened in my name without my permission. And was the result of identity theft. I furthermore request you provide in the letter to all XXXX credit bureaus both the consumer and business credit reporting agencies notifying them that the account was closed given it was a result of identity theft which I have already reported directly to Amex and that I am no longer liable or obligated to pay the debt and it shall be removed from all credit reporting. I would greatly appreciate this. Thank you so much. Please send a copy of said letter to my address below along with my email address being XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, AL XXXX Warm Regards, XXXX XXXX
Company Response:
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XXXX XX/XX/2021 I transfered {$800.00} to a different email that was also my email but did not have a serve account linked or registered to the email. I have alerts that get sent to my phone when there is activity on my accounts. I have proof that the {$800.00} was subtracted from my balance and transfered and I never received it and it never got out back in my account. I have been told it was cancelled I have been told I received it. I have been trying to speak with the right person about this situation for over a year now. I have had a couple dispute numbers that when I call serve customer care they basically lie strait to me or tell me something different everytime and when I would actually get threw to a person that speaks half decent English and would take 5 min to look into my situation they would eventually hangup on me because they never had an answer why it clearly shows the {$800.00} dollars taken out and it was never received because the other we email was mine also. And I was told when it got cancelled the same day I made the transfer that it went right back on my account. But I have my balance sent to me everyday and if it takes up to 3 days to show up back on my account I have balance alerts 5 days after the original transfer I tried take showing that {$800.00} is subtracted from my account when you subtract all of my transactions that made. I have been hung up on lie to over a hundred times. I would have contacted this place a year ago but I clearly was not reading the small print. I was understanding that everytime I would ask for a technical support or a manger that they where supposed to help which they didn't. I have pictures of everything evidence showing my complaint. I am owed {$800.00} and have not been showed any respect or got any help on how to go about thiss
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In my attempt to get an American Express card, I was sent the following decline letter. After reviewing the specifics, I called American Express. While speaking to a representative in XXXX, she said that my application was declined based on a credit report American Express had from XXXX of XXXX. She went on to tell me the credit report contained derogatory information and that is why the application was denied. I expressed concern because I have ZERO negative marks on my credit report, according to XXXX, the credit report used to deny me credit by American Express. I want to know why American Express continues to lie and discriminate against people of XXXX like they are doing to me. American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX Ref : XXXX Dear XXXX XXXX XXXX Thank you for applying for XXXX XXXX XXXX American Express Card . We are writing to let you know that, unfortunately, we can not approve your application at this time. Reason ( s ) for Our Decision Your XXXX score ( see below ) Information About Your XXXX Score We obtained your XXXX score from XXXX and used it in making our credit decision. Your XXXX score is a number that reflects the information in your credit report. Your XXXX score can change, depending on how the information in your credit report changes. On XX/XX/XXXX, your XXXX score was 628. The XXXX score ranges from 300 to 850. The following are the key factors that contributed to your XXXX score : Account ( s ) not paid as agreed. Length of time accounts have been established. Proportion of revolving balances to revolving credit limits is too high. Proportion of loan balances to loan amount is too high. XXXX is a registered trademark of XXXX XXXX XXXX in the United States and in other countries. We realize this may not have been the outcome you hoped for. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. We invite you to apply again at a time when your circumstances have changed. If you have any questions, please call us at XXXX or write to us at the address above. You can also learn more about managing your credit at americanexpress.comXXXX Thank you for your interest in American Express. Sincerely, American Express Customer Care We've provided an important notice below concerning your rights. The creditor is American Express National Bank. Your Right to Get Your Credit Report Our decision was based in whole or in part on information obtained in a report from each consumer reporting agency in this letter. Please know that the consumer reporting agency played no part in our decision and can not supply you with the specific reasons for our decision. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting them directly. You also have a right to a free copy of your report from the consumer reporting agency if you request it within 60 days after you receive this notice. If you find that any information contained in the consumer report you receive is inaccurate or incomplete, you have the right to dispute the matter directly with the reporting agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Notice to U.S . Residents. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning American Express National Bank is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington, XXXX ( the " Bureau '' ). The federal agencies that administer compliance with this law concerning American Express Travel Related Services Company , Inc. are the Bureau ( address above ) and the Federal Trade Commission, Equal Credit Opportunity, XXXX D.C. XXXX. XXXX
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an inquiry on XX/XX/2022 from { Amex } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A