Date Received: 2022-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was paid in 2021 and American Express 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: 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: 2022-10-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/22, I called Amex customer service to request a potential upgrade for my Amex Hilton XXXX card. Upon communication, the customer service representative was able to confirm that I have this upgrade offer in my account, which is spending {$1000.00} in six months to get XXXX Hilton bonus points. So, I accepted the offer and upgraded to Amex Hilton aspire. The next day, I followed up with the customer service representative through Amex 's website chatting function. The representative said they needed to investigate my upgrade offer and see if I still qualify for it. A month later, when I followed up with Amex again as of XX/XX/22, they informed me that they had finalized the investigation. First of all, Amex has never reached out to me, neither by phone call, email, or letter, informing me that my case is finalized. Second, the customer service wrote to me ( see attached screenshot ) that " we know that you really wanted to get the upgrade offer and as we have validated thoroughly with the help of our investigation team and they found out - as they reviewed all of the accounts, there are no call request that can support the upgrade but they found out that the upgrade was placed online. '' The investigation is conducted based on inaccurate information then. I upgraded by calling Amex, not online.
Company Response:
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I purchased a Serve XXXX american express card in-store on XX/XX/2022 and loaded a balance of {$400.00} at the store. I did not use this card afterwards, I did not give the card information to anyone, and i did not authorize anyone to use this card on my behalf.Shortly after the purchase of the card, a fraudulent transaction to XXXX was run for {$400.00} on unbeknownst to my knowledge. I have tried calling serve multiple times to resolve the issue. I have filed disputes multiple times and followed all of their instructions but they have failed to provide any reasoning or evidence for their non findings. I have communicated to them multiple times over the phone the charge was not mine, but they will not take any action, they will not close out the account and continue to bill me. All they have done is send me a new card to use which i told them i am never using their products again.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This letter is in response to your correspondence sent on XXXX, XXXX, XXXX regarding unauthorized charges on my American Express corporate account totaling {$42.00}, XXXX and your correspondence sent on XXXX, XXXX, XXXX regarding re-billing of unauthorized charges of {$10000.00} that were credited to my account in XXXX, XXXX. Billing reference # XXXX and # XXXX. American Express reversed the credit of {$10000.00} XXXX months after the investigation closed and {$42000.00} over XXXX months after the report was filed on XX/XX/XXXX. I am reasserting once again that the billing errors on my account have resulted from the unauthorized activity. I am reasserting once again that I have not shared my account numbers with anyone. Please, provide me with documentation supporting your decision to deny the claims. I need to see documentation regarding each charge that was reversed as well as copies of signed receipts. I am requesting that you reevaluate your decision, and adjust my upcoming billing statement. In addition to unauthorized charges on my American Express account I have not been credited for a charge in the amount for {$10000.00} that I disputed XXXX times for item not received. The charge posted to my account on XX/XX/XXXX. I have provided American Express with plenty of documentation to support my position. Please, review my documentation and issue proper credit. Thank you. Regards, XXXX XXXX
Company Response:
State: CA
Zip: 94609
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called AmEx in early XXXX, because I accidently paid two balance in full payments, the alert made me jump out of bed early in the morning. I called AmEx immediately, expressing several times that I am just waking up and to bare with me. You'll hear this on the call. Everything was great with the refund. We end the call, and she throws a really attractive upgrade offer at me ( early in the morning ) so I said let me think about and I'll call back with a " no problem '' in response. The upgrade is nowhere to be found and I'm heard it was DECLINED?! This is extremely deceptive of AmEx.
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Called AMEX credit card to ask about the promotional offer I had availed to upgrade my card on when does the 1 year expire so that I can downgrade and not pay the annual fee but still can keep the statement credit I received to upgrade it as it was valid till 1 year. I called the company on XX/XX/XXXX and was told to downgrade after XX/XX/XXXX so yeh statement credit does not get reversed. I did exactly that and cancelled in XXXX. Once I downgraded the statement credit reversed back and was charged to me. I called and filed the dispute and was told that that my XXXX year has not ended yet. I told them that I was provided the false information and they told me it was XXXX XXXX and I told them how would I assume its next year as the year was not mentioned by the rep. Anyways they are trying to brush this away and see if no help as they just want to charge the fees. Please let me know if you need more information. Thanks
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express on XX/XX/22 responded to my CFPB complaint stating they discriminated against me and wont offer me credit due to their policy. The fraudulent representation of facts of informed use of credit, I was given false and misleading Information, willingly and knowingly which is a crime. A national bank cant extend its own credit only the consumers credit. As I in good faith extended my credit to acquire money on credit via American Express Gold card as my right as a consumer from American Express primarily for personal, family, or household purposes. Reasons stated for the discrimination were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX statement, charged XXXX and the next day attempted a bank transfer for XXXX. Due to a delay from the bank, it didnt go through. The very next day I transferred the XXXX and they charged me a fee. There was no email or notification of the fee. My monthly autopay was more than enough to pay minimum and the XXXX but they did NOT apply it. I was then hit with late fee and my rate tripled. American Express specifically hid this fee to cause a late payment so they could justify the rate increase.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A