Date Received: 2022-09-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: They sent me an airline miles offer direct to my home address with my airline miles number included. I submitted an application was approved and was sent a card. I needed to spend XXXX number of dollars to receive the miles. They charged me {$450.00} for the annual fee. American Express said I didn't qualify since I already had that card even though I was just {$250.00} short after the required time which started the day they approved XXXX card not the 2 weeks later or the day my card was valid so I didn't receive the bonus the XXXX time. This time they charged me {$450.00} for an annual fee and said since I already had the card and was not receiving the bonus, as I was not eligible, but they refused to refund any or all of my annual fee.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I filed a complaint with the CFPB see case number below. I still disagree with their response. AMEX cant even get the date I opened the account correct. Their response letter says XX/XX/2022 I opened the account but it did not have the 0 % promotional offer linked to it. However I opened the account on XXXX XX/XX/2022. I have confirmed this with my credit report. An ANEX manager told me AMEX doesnt even know what offers are given out through 3rd parties such as XXXX where I signed up for the card. If they dont know the offers and dont know when I opened the account, I cant take their response. I would like AMEX to honor the offer I signed up on and detailed in my last complaint.
Company Response:
State: NC
Zip: 28532
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Without solicitation a credit card was mailed to me from American Express
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I, the consumer and natural person XXXX XXXX, was denied credit by American Express when I applied for an American Express Green Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.12 CFR Part 1002 - Equal Credit Opportunity Act 12 CFR Part 1002.7 - Rules Concerning Extensions of Credit You are subject to criminal liability for violation 15 U.S. Code 1691 as I have proof that I was discriminated against by American Express due to the response I received in the mail. Application Ref. # XXXX American Express is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. code 1602o. I've mailed an Adverse action letter to American Express on XX/XX/XXXX via certified mail and it was received on XX/XX/XXXX. I have yet to hear back from American Express in response to this matter.
Company Response:
State: IL
Zip: 60411
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: 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: We have tried cancelling the booking and at the time of booking this hotel and airline they clearly told us if we cancel before XXXX XXXX we would get a full refund.Now they say airlines would not refund us the money but it would only be the hotel that would refund us the money.As per the conversation had and information processed to us XXXX has lied to us and now we need to cancel the air tickets and hotel reservation with full refund.Amex who support us says they can not call XXXX XXXX and we should call them.Its their responsibility to make sure we get our money back to the card.
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022, I, XXXX XXXX XXXX, beneficiary of the XXXX family trust estate, made a complaint on the CFPB website in regards to me discovering a billing error while looking over my American Express XXXX XXXX XXXX statement in the amount of {$2900.00}. In good faith, I brought this to American Express attention by mailing in a billing error dispute on XX/XX/2022. American Express response to this complaint stated that the amount reflected on the billing statement is the amount that I owe not the credit balance. I would like to know how do I owe an amount that has already been paid pursuant to federal law 18 U.S.C. 8 all obligations are covered by the United States, this includes all debts. Also if this alleged debt is owed why is it not reflected as a negative balance. A credit balance is a positive amount in excess of {$1.00} which the principal amount is clearly showing on this statement. American Express billing statement also states " a credit balance ( designated CR ) shown on this statement represents money owed to you. '' No where on this statement do you define an amount due. American Express is using the same verbiage to federal law 15 U.S.C. 1666d but is not following what needs to be done with the account which is crediting the amount back to my account and refunding any part of the amount to me each month. I've also noticed that the transactions on my billing statements I am being charged a finance charge but according to 15 U.S.C. 1605 a finance charge is the sum of all charges which is concerning because why is American Express not including every single charge on this statement in the finance charge and an even bigger concern is why is American Express defining the finance charge as something different. I made several request in my previous complaint which American Express failed to comply as well as ignored the other request. I will state again here, I would like to validate this debt and am requesting that American Express send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102. American Expresses stated that they can cancel and suspend my spending abilities at there discretion. American Express also stated that in their cardmember agreement I agreed to them being able to furnish my personal information to the credit reporting agencies. Both of these actions can result in a fine and up to 20 years of imprisonment pursuant to 18 U.S.C. 894. On, XX/XX/2022, I, XXXX XXXX XXXX, on behalf of my principal account XXXX XXXX XXXX, endorsed a bill by accepting all rights, titles and interest owed to my principal account and requested that the principal balance be paid on demand to the bearer. Included with a letter of instruction to XXXX XXXX, sent certified mail. It is on record that the letter was received and the receiver was given five ( 5 ) days to respond and has yet to respond. I, XXXX : XXXX, a natural person and of legal age, am the beneficiary of the principal account. I demand that my request are taken seriously.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to make a transfer into my Kabbage business checking account using their mobile app on XXXX/XXXX. The bank that I was transferring funds from had recently changed their banking partner ( this is a XXXX XXXX XXXX ), so the routing number had changed. I forgot about this and therefore the transfer was returned as I no longer had an account at that bank. Once I realized my mistake, I updated the routing number and attempted another transfer. Before that transfer could go through, the Kabbage app reported that my account had been locked and that I needed to contact Kabbage support. I also received an email stating that there was suspicious activity on my account and that " activities may be temporarily restricted ''. Upon calling them on XXXX/XXXXXXXX I was told that my account was permanently locked under suspicion of fraud and that I would not be getting my deposit back. I waited a few weeks and contacted them again via email on XXXX I was told the same via email, that my account had been permanently locked and that the funds I had on deposit would not be returned to me.
Company Response:
State: PA
Zip: 162XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I called American Express to inquire about their Delta SkyMiles Gold Card which entailed a promotional XXXX Delta Sky Miles for signing up for the gold card. I was told that if I apply for the cards, approved, and used the minimum spending limit {$2000.00} in purchases within 3 months, I would receive the Delta Sky mile points. I met and exceeded all above requirements. On XX/XX/XXXX, I called American express to inquire about my XXXX Delta Sky Miles and why have not received them yet. I was rudely told by operator XXXX ( customer ID # XXXX ) that I did not receive the Sky Miles because of my American Express promotional history. I ask her to further explain, and was told its in promotion agreement and was not required to explain further to me. I explained that I have had another American Express Card for 15 years. The only reason I applied for the cards was the Sky Miles Benefit offered and ask that American Express honor its agreement and give me the miles. I am not aware or made aware of any cards promotion history with American Express that would prevent me from receiving XXXX Delta Sky Miles. I also requested that further investigation be done as to why I was denied the Sky miles? She told me she would not further investigate or was not required to, also no further detail was necessary. One I would not have apply for the card if before or at the time of application I was told that I was not eligible for XXXX Delta Sky Miles. I also would not have spent excess of the {$2000.00} if I told of not being eligible for the XXXX Delta Sky Miles before or after the approval. My only reason for obtaining the cards was for the XXXX Delta Sky Miles benefit. By using some credit cards calculation ( Promotional history ) that discriminated me from receiving same benefits as other members has the aroma of breaking The Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act, and Title VII of the Civil Rights Act of 1964. In any case, I feel frauded because I'm now stuck with a credit cards that I would never of applied if it weren't for the XXXX Delta Sky Miles. I have a credit debt that I was dupped into acquiring for a benefit not forfeited. I know times are hard and inflation is up but credit cards companies should not resort to fraud marketing tactics or be allowed to.
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: misinformation that was given to me by American Express customer service. I had fraud activity on my checking account a day after I submitted payments to my Amex Platinum card. I was told I could not cancel the payments even though we knew it would het returned due to my checking account being frozen. I was assured that nothing would happen to my account and I would be able to make payments to my account today. I was denied reinstatement and i am very frustrated because this could have been prevented if I was provided the right information.
Company Response:
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received statements from American Express in XXXX XXXX XXXX indicating that I owed balances on multiple credit card accounts. On XX/XX/2022, I sent letters to the CFO, of American Express, requesting validation that I am responsible for the alleged debt. After not receiving validation as required by 15 USC 1692 ( g ) I sent American Express a notice of fault on XX/XX/2022, again requesting validation that the debt belongs to me. I only received letters, calls, and text messages demanding that I pay these debts or suffer negative reporting to credit reporting agencies. I filed an identity theft report with the Federal Trade Commission on XX/XX/2022. I then discovered that XXXX XXXX XXXX who, without contacting me, filed a civil suit in my county regarding this debt. I have not received any notice from XXXX XXXX XXXX requesting payment of the debt, or even notification of the right to ask for validation of this alleged debt. The only reason I found out about the lawsuit is that I received a letter from another third-party offering consultation regarding the court case. I looked up the court case and sure enough, without prior contact, XXXX XXXX XXXX are suing me for the unvalidated alleged debt. If XXXX XXXX XXXX had reached out to me with a debt collection letter modeling the B-1 form required by 12 CFR part 1006 ( Regulation F ) I would have asked them to validate the debt as is my consumer right. I would also have provided the prior correspondence with American Express regarding the alleged debt. Finally, I would have provided the FTC identity theft report. After reviewing the CFPB complaints database, I can see that many other consumers have been sued by XXXX XXXX XXXX without prior communication. In fact, it appears that XXXX XXXX XXXX have a reputation for instantly suing consumers without first conducting due diligence to validate debts. It appears that they rely on intimidation tactics, which are the very abusive, deceptive, and unfair debt collection practices mentioned by Congress in 15 USC Code 1692. I will be reaching out to XXXX XXXX XXXX to ask them to validate this debt. I will also be reaching out to the Attorney General regarding the consumer harassment by XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A