Date Received: 2022-10-05
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: 1. Agent misspoke when booking the initial flight to XXXX ( XXXX $ ) stating that the airline can accommodate my XXXX to lay flat as needed for long travel as not doing so leads to an active flare-up of said XXXX. The airline could also not accommodate me in choosing my own seat per the airline. 2. Agent then could not get in contact with the airline to confirm thus turning contacting the airline into a multiple-day crusade lasting 9.5 hours 3. Once we were finally able to get in contact with the airline, it had passed the 24 hours cancellation policy thus I could not be refunded due to the agents misinformation. Additionally, I was not offered travel insurance on the initial booking in case reaching to airline took a while 4. THEN, I decided to choose another airline that would have the ability to be more accommodating after getting in touch with the airline with one of your agents. 5. So I rebooked the flight on the new airline which was {$2700.00} and hoped that the issues would be resolved 6. HOWEVER, it was not explained to me that my flight was a coshare flight ( Thus it was actually the initial airline I did not want to book with ) meaning that I had to check in with the operating airline as opposed to the airline I purchased the ticket with. 7. This caused a lot of confusion as I was not on the manifest once arriving to the airport which caused me to miss my connection flight when I got to the airport and that caused a lot of mental stress. Because I missed my connection flight, I had to stay in XXXX overnight and pay for those accommodations ( XXXX ) 8. Again, when I went to the airport the next morning to check in, the airlines ( both XXXX and XXXX XXXX ) stated I did not have a ticket with them. They told me that the flight was cancelled Although, I had confirmation of the change in itinerary In my email AND had the physical ticket in hand. They stated that it couldnt be modified due to the fact that I booked with the American Express travel agent. At this point, there were no more nonstop flights available to my destination thus I had to take TWO more connecting flights. This added upwards of 6 hours to my initial journey. 9. In the midst of all of this, my luggage was then lost due to the miscommunication of my airline tickets. 10. On the way backI was having the same issue of not being able to check online in as the airline could not find my ticket. Once speaking with the American Express agent, I was told that the flight was cancelled and that there were no more flights available for that day. This completely contradicted what the airline told me however since booking with Amex, I could not modify my itinerary without extra cost. This led to me having to stay on the phone for 5.5 hours just to rectify this flight. I had to also purchase another connection flight which was XXXX $ and I was not able to get my refund back from my initial connection flight which was only changed because you all told me there were no other flights available. 11. In conclusion, I received terrible service that caused me to become financially and mentally burdened with trying to fix all of the problems your agents caused. Upon looking at the flight information again, it looks like you all booked two passengers on the flight one with my name and the other with my middle name first which is a sure fire way to cause issues when travelling internationally. I have attached a word document with more information as well as pictures.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to XXXX XXXX XXXX, XXXX and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. American Express, have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to Amex, XXXX XXXX, XXXX, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022, I opened two checking accounts with American Express National Bank. On XX/XX/XXXX, I received a direct deposit from XXXX in the amount of {$17000.00}. I transferred {$1000.00} to my savings account that same day. Upon using the accounts, I noticed that on XX/XX/XXXX my savings account was closed and the {$1000.00} I had in that account had been " debited ''. Alarmed, I attempted to transfer the majority of the funds left to my XXXX checking account. However, a few hours later I received an email informing me that my transfer had failed. Then, I logged into my account to find that it was restricted. When I called into the service center, I was told that my account had been reviewed and closed. Okay, that's not a problem I said. When should I expect my funds? The CSR informed me that money would be returned to where it came from and she wouldn't even tell me where the initial {$1000.00} went.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Kabbage recently responded to my XXXX complaint about a denial to a lone of credit due to text issues on the the companies behalf. They responded I didn't give all documentation.and I have to wait 60 days to apply..But te same complaint with XXXX they responded notifying of their wrong decision and invited me to reapply .please see attachment and date. They have unfair and unethical practices and they need to XXXX investigated.I attached their contradicting response with CFPB AND XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after AMEX closed the account, I continued to make on time payments and the balance on the account is only {$200.00}, which will be paid this week. As a service member, we sometimes do not get communication that our accounts may be compromised.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. The report shows I currently owe money to your company that I have already repaid.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was approved for a charge card with American Express in XX/XX/2020. The card has no preset spending limit, however for the last several months I have had ongoing issues using my card and understanding my credit limit. I have used my card numerous time and it has been declined, which quite embarrassing when using it in a public place. In addition, I receive ongoing emails about how future purchase may be declined, when I have a low balance. I need to feel comfortable using this credit card.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A