Date Received: 2022-09-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 1 Payment in the amount of {$950.00} was sent to American Express XXXX XXXX XXXX XXXX XXXX CA XXXX via XXXX XXXX XXXX XXXX. 3 Payments in the amount of {$930.00}, {$650.00}, and {$760.00} were sent to AMERICAN EXPRESS XXXX XXXX XXXX XXXX TX XXXX via XXXX XXXX XXXX XXXX XXXX Payment in the amount of {$970.00} was sent to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX on XX/XX/2022. AMERICAN EXPRESS refused to acknowledge payment or credit to my account. Attached documentation ( see Chat XX/XX/2022 ) will show that I have reached out to AMERICAN EXPRESS multiple times during the month of XX/XX/2022 and given them opportunity to act in honor. They have chosen not to. Attached documents will show that these payments were sent in good faith, according to the expressed wishes on how payment should be received. American Express has not returned the payments, they are holder in due course. The American Express CFO was assigned Fiduciary for XXXX XXXX regarding American Express Accounts, in XX/XX/2022 and has accepted the position by acquiescence. He is currently in Fiduciary non compliance as he has not acted in the best interest of XXXX XXXX. Assuming that AMEX is required to abide by XXXX ( general accepted accounting procedure or practice ) : 12 USC 1831- XXXX XXXX XXXX has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ). 12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument. AMEX is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6. The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. According to UCC 3-602, payment has been made in full. AMEX is the Holder in Due Course. No remittance has been returned with explanation for rejection. No response means AMEX has accepted payment, yet neglected to credit the account. In order for AMEX to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure according to : UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602. AMEX has not done this. It is entirely plausible that AMEX has accepted the payments and NOT reported it to the account of XXXX XXXX due to so many attempts to contact AMEX and being given the run around over and over. Again, refer to attached AMEX CHAT XX/XX/2022, which covers the entire month of XXXX.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed around XX/XX/2022 with out my knowledge when I have XXXX percent payment history and always payed my bill on time. I just recently had a family member pass and I asked for helped regarding my minimum payment and was told there was nothing they can do if a certain minimum amount was not made. When they could help me with a lower APR, lower monthly minimum etc. I only found out my card was canceled when attempting to schedule a payment.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Recently went to open a bank account and found out that an account has been opened in my name and ssn # in another state. I live in Arizona but the account was opened in Connecticut. So i pulled my credit report and found over XXXX inquires that are fradulent and are not mine and I am requesting for all these items be removed from my credit report. XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THE POLICE AND HAVE A CURRENT POLICE REPORT AND ALSO HAVE CONTACTED " ALL '' CREDITORS AND BUSINESS ABOUT THE INQUIRIES AND NO ONE WILL HELP REMOVE THESE INQUIRES WHICH WERE DONE WITHOUT MY PERMISSION AND FRADULENT.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2022, I made a {$5000.00} payment to American Express. The available balance did not increase, which happens with American Express fairly often. Therefore, I knew what I had to do, I called them and then we called my personal bank, XXXX, so they could confirm the funds. XXXX confirmed the available funds. American Express took the payment and then I tried to use the card to pay my rent. I was unable to use the card as within minutes American Express decreased my available credit. I called American Express and they listed a number of reasons, however, I find that to be a very dirty practice. They said it had nothing to do with my payment. They said it was a coincidence and just a system generated decision. I find that totally unbelievable and a way for them to get your money and not let you use your credit. I would assume they should give you a little more notice than 10 minutes after they take a payment, especially, a large payment. I find it a very disturbing practice and very distressing. And, I have had a credit relationship with them for over 15 years. They know I have a XXXX XXXXXXXX and have pulled this kind of thing on me when I was in the hospital and unable to pay my bills and my medications cause they wouldn't update my payment. This is American Express.
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have an unused prepaid {$100.00} gift card from American Express, embossed with my name. Because of covid concerns, I did not eat out for 2 years. Then in 2022 when I tried to use my card, the merchant rejected it. I contacted American Express using the phone number on the back of the card, as well as the number that original number directed me to ( gift card division ). Both told me they have no record of the card. I WAS HOLDING IT IN MY HANDS!!. I went to addresses listed in XXXX to find a local branch in XXXX XXXX AND ALL WERE NON EXISTENT, despite being listed online. Wasted hours trying to find a live person. I wrote to corporate headquarters copies of the same detailed complaint to various members of their executive committee. Letters dated XX/XX/2022. One assistant - XXXX XXXX contacted me by email again saying the firm had no record of my card. XXXX never returned a phone call. So I contacted his identified boss, XXXX XXXX, in a second letteer and again restated my case in writing that I had a pre paid card ( expired on its face ) but according to CA and NY law they can't expire. And told him his assistant blew me off by not returning a call to his boilerplate email of we are doing anything. American Express never identifies my complaint with an internal code number. So another self serving email by them ( after my second mailed letter ) is sent saying they don't have enough information. Yet with each correspondence sent by me I sent photos of the card, front and back and a photo of my holding it. AMERICAN EXPRESS IS STEALING FROM ME. THEY HAVE THE FUNDS FOR PURCHASE OF THE CARD, XXXX WON'T REFUND IT OR PROVIDE A WORKING CARD. Their boilerplate emails say they can't help me because they don't have information. They do. They have the card number ; they have photos. No one ever returns a call, despite offering their number on their emails. I BELIEVE THEY ARE VIOLATING FEDERAL LAW AS WELL AS CA AND NY LAW. I want the {$100.00} refunded to me.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I dont recognize inquiries on my credit report, I did not authorize any inquiries. AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 my credit card information was taken by a phishing scam website XXXX and a charge of {$850.00} was placed on my American express credit card. It is immediately noticed because the payment was processed through Stripe although the website pretend to setup a XXXX account. It was immediately reported to American Express customer service as fraudulent, and requested to secure my account my account by changing the card number to block future transactions. Reports were filed with reportfraud.ftc.gov ( Report number : XXXX ), FBI XXXX XXXX XXXX XXXX ( XXXX ), XXXX and Stripe which hosted and processed the transaction, in the following days. I submitted all evidences of fraud, including the fake billing address/phone number in the XXXX from XXXX transaction XXXX on American Express XXXX XXXX XXXX XXXX XXXX : XXXX On XX/XX/2022 I received an email about the charge being reversed and credited to my account. There is no other postal mail/email received from American Express after this date. In conclusion : 1. American Express did not look at the evidence of a fraudulent transaction throughly 2. American Express did not notify me promptly about the reversal of the charge either in postal mail or email with a broken email system 3. American Express did not send me the denial letter or the evidence document upon requested In XX/XX/2022 I discovered I was actually charged again. Upon calling American Express customer service I was told I was rebilled on XX/XX/XXXX because the scammer submitted fabricated evidence that I ordered and was shipped a certain item, and my cancellation was invalid ( It did not happen, it was stated clearly to American Express it is a fraud, there are fake addresses and contact information, and cancellation of a non-existing order was not possible ). While requesting both the denial letter and evidence document from the scammer through verbal request or email, American Express did not send me anything. Indeed I told American Express their automatic emailing system by customer service is broken and every-time the representative promised he/she just sent me something, it was never received. American Express refused to re-open the dispute. Upon contacting their Executive Office through emailing the CEO American Express insist they have already did the investigation ( despite the clear evidence this was a fraudulent transaction ).
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I purchase a ticket through XXXX. When I got to the payment screen there was an offer to open a XXXX XXXX and get a {$400.00} statement credit and XXXX miles. I accept it the offer and apply for the card and comply with their requirements. Today, XX/XX/XXXX I got in contact with AMEX, and I was told that because I already had another AMEX CARD ( not XXXX ) I couldnt get the bonus. No where on the offer said that a customer couldnt get the offer if you had another type of AMEX card
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
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: whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : AMERICAN EXPRESS Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have tried to use this card over and over to by things and in store and it will not go threw that was have the problem to being with now they are now taking out fees for a card that I have never been able to use the card number for this card is XXXX the code for card XXXX it expires XXXX XXXX this is going into the second month and I have never even got to use there was a XXXX dollars on here and I want my money I am the one who told y'all it didn't go threw at XXXX all y'all done was tell me something I told y'all
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A