Date Received: 2022-09-06
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: Hello to whom it may concern, my name is XXXX and I am writing to you because what is happening about this case is unacceptable at this point. I purchased an item from XXXX on XX/XX/XXXX of XXXX, the item did not get delivered until second week of XX/XX/XXXX. I paid for this item with my AMERICAN EXPRESS CARD that I had saved in my XXXX ACCOUNT. I received the item completely damaged and had to go back and forth with XXXX to agree to take the item back, after a few months of going back and forth with them they finally accepted the return and reached out to me letting me know they will refund me to my original method of payment. About XXXX weeks went by and I still did not receive a refund. I followed up with them and they told me they released the money back to XXXX, and XXXX SHOULD HAVE RELEASED IT back to my American Express card. I called XXXX they told me they sent it to American Express, I assured them they did not because I never received the money back. I called American Express and they told me they never received the money from XXXX. At this point I was so frustrated because it was a back and forth and nobody was able to tell me where my money is. I had a XXXX way call with both AMEX AND XXXX, and AMEX told XXXX XXXX LOUD AND CLEAR they never received the money from them therefore they are not able to credit me anything back. XX/XX/XXXX XXXX Told me they were going to find out where the money is, it is now been XXXX months later and XXXX has now told me XXXX never released the money back to them. At this point I am tired of this situation and the constant back and forth within the companies blaming each other. I keep paying interest on a money amount that should have been credited to my account months ago and no one is willing to take responsibility for this and give me my money back. Every time I call them they pretend they do not know what happened. The total I need to be refunded is {$1800.00} The XXXX CASE NUMBER IS AS FOLLOWS : XXXX The AMEX CASE NUMBER IS AS FOLLOWS : XXXX The XXXX Ticket rush number XXXX that was supposedly escalated to get me my money back in XXXX hours ) is as follows : XXXX Please help me! I HAVE PROOF IN WRITING THAT XXXX AGREED TO A REFUND SO I WANT TO RECEIVE MY REFUND ASAP BUT AMERICAN EXPRESS SIDED WITH THEM WHEN I FIRSR DISPUTED TRANSACTION SO THAT IS WHY THE MONEY HASNT BEEN ABLE TO GO BACK INTO MY AMEX ACCOUNT EVEN THOUGH XXXX APPROVED IT. AMEX AND XXXX NEED TO WORK IT OUT WITH EACH OTHER BUT I NEED MY MONEY BACK.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed a claim with Amex on XX/XX/2022. I found that someone had setup up something called " Send and Split '' with my account, charged my credit card and then set up two fraudulent payments to my XXXX XXXX Checking Account, one for {$200.00} and another for {$740.00}, and then used something titled " Amex Send : Add Money '' to transfer {$1000.00} out of the Amex account. I called Amex, they reset my account password and " opened a claim ''. I asked specifically if this was going to halt the two fraudulent payment attempts for processing and was told that everything from those transactions were stopped. I logged into my XXXX XXXX account today, XX/XX/2022, to see that the two amounts, {$200.00} and {$740.00}, had still been processed to my XXXX XXXX Checking account and were now pending. I attempted to log in to my Amex app and was locked out. I called Amex and was able to reset the account but after spending nearly two and a half hours being transferred back and forth from department to department, verifying my identity every time, explaining the situation every time, and being told they would have to transfer me again and could not assist with the fraudulent payments every time. I asked to speak with managers or someone in charge repeatedly and they just transferred me to and from another department instead. I was told fraudulent payments were different from fraudulent charges, one person said they would not be able to address the payments until the charges were resolved, which could take up to 30 days. Another person couldn't seem to find any notes or filings related to my initial complaint report in regards to the payments or therefore halting them. I asked repeatedly to be transferred to whomever had the ability to reverse the fraudulent payments and put the money back in my checking account. After becoming so frustrated to the point of tears, I hung up and called my bank instead. I still do not have a clear resolution ( or my money back ) as XXXX XXXX says it will take up to 48 hours for them to look into. No one at Amex seems to know what they were doing or even who would actually be able to assist ( I question at this point if that person even exists with in their company ).
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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: Dear Sir or Madam : Identity theft has happened to me, and my personal financial information has been used without my permission or knowledge to get credit, products, or services on the account above. I want you to get in touch with me and tell me that I am no longer responsible for this debt and that the credit bureaus and collection agencies should know this. Thank you ahead of time for giving this issue some thought.
Company Response:
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received an email from XXXX XXXX that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( American Express ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've held an American Express XXXX card since XXXX. This was my oldest line of credit. The card was always paid on-time and in full. In XX/XX/XXXX, the card was cancelled due to inactivity and my points forfeited without any notice. When I called on XX/XX/XXXX, an agent helped me open a case request to reinstate the account. I was assured that I'll be contacted by American Express within a week. Upon no response, I called again on XX/XX/XXXX. I spoke with two agents ( XXXX and then XXXX ), each taking me through the process of reinstating the account ( including taking all my personal details and SSN ) only to be told that the account and points can not be reinstated. My only option if I want an American Express card is to reapply for a new card, resulting in a credit check and forfeiting my rewards.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/22 I made a {$15.00} payment to American Express from my options credit union account. Unbeknownst to me, the credit union had transferred money out of my account without my permission to a credit card opened with the credit union in violation of regulation z. This caused the payment to return as nsf. The following day I contacted the credit union and had the illegal transfer reversed. Despite this, Amex has charged me an nsf fee. Due to the credit unions illegal activity, I removed the funds from the account and contacted Amex to stop the payment. They refused and resubmitted the payment request 2 additional times, despite my request to not submit it again due to my ongoing issues with the bank. In the meantime, a hold on my credit union account for {$50.00} dropped and allowed the payment to go thru. Despite this, Amex charged an nsf fee of {$29.00}, almost twice the payment amount. When I requested they refund the fee due to the nature of the activity, they stated the can not refund the fee. This was patently false, as after asking additional questions it became clear that they could refund the fee but did not. It is apparent that this misinformation was given to me to prevent me from pursing a refund of the fee, a source of considerable revenue for Amex. Eventually Amex confirmed that they were able to refund the fee but were refusing to. I have never had a late payment on the account and this was the first time an nsf transaction has occurred, for reasons outside of my control. These practices are deceptive and abusive toward consumers, and are clearly part of a policy targeted at consumers who have issues with nsf. Im addition to the above, Amex also freezes the available credit in this circumstances for 7 days, but does not provide any warning or information regarding the freeze. The account shows available funds and no indication the hold is on place both on their online portal and on their dial-in system. There are no pending purchases on the account that would warrant freezing access to the credit.
Company Response:
State: SC
Zip: 29609
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ccordance with the fair credit Reporting act XXXX Account # XXXX, 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 any purpose.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
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 am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report.I found that under section605b of the FCRA the creditors are required by law to REMOVE any account which is found to be opened dueto identity theft. I urgently need assistance in determining who attempted to steal my identity and personal information to register for services under their own name. I intended to file a lawsuit against whomever this individual is. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: We have a XXXX XXXX XXXX XXXX issued by American Express, which has an annual fee of {$550.00} plus {$200.00} for my wife 's card. One of the purported benefits for the card is a XXXX XXXX XXXX XXXX, which claims to be " valid for one round-trip First Class, XXXX XXXX XXXX XXXX XXXX Select or Main Cabin Companion ticket with the payment of applicable taxes and fees detailed below and the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. '' This certificate offer is fraudulent. The complete terms and conditions of the certificate are below. The certificate terms and conditions state that tickets are available in I and Z classes of service for First Class travel, only available in P, A an G classes of service for Premium Select, only available in W, S class for XXXX XXXX XXXX, and only available in L, U, T, X, V classes of service for Main Cabin travel. We tried to book flights on every day of a month that showed available seats in these classes of service but were told by XXXX that they were sold out, even though XXXX 's website specifically shows that seats were available in the listed classes of service. In fact, the flights we were looking to book are essentially empty. We called XXXX and American Express and told them we were not being allowed to redeem our certificate in accordance with the terms and conditions. Neither XXXX nor American Express resolved the issue. These certificates essentially are worthless and their promotion in connection with the XXXX XXXX XXXX XXXX is fraudulent. It appears that there have been dozens of consumer complaints about the fraudulent promotion associated with these certificates. The complete terms and conditions of the card are : Eligibility : Eligible on XXXX, XXXX XXXX carrier and XXXX XXXX flights only ( excludes all other XXXX codeshare flights ). Companion certificate is valid for one round-trip First-Class, Delta Comfort+ or Main Cabin companion ticket with the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii, Alaska, XXXX XXXX or the United States XXXX XXXX ( XXXX ) must originate from there to the 48 contiguous United States and have an address on their XXXX account in Hawaii, Alaska, XXXX XXXX or the XXXX. Each year, the XXXX XXXX will be made available for redemption on XXXX in your renewal month. Companion ticket requires payment of applicable government imposed taxes and fees which vary and depend upon the number of flight segments included in the itinerary and are no more than {$75.00} for roundtrip domestic flights ( for itineraries with up to four flight segments ). Reservations are only available at XXXX. Companion certificate terms and conditions may vary each year of Card Membership. Additional restrictions apply. Restrictions : Redemption is available only on XXXX. The certificate can not be combined with another offer or discount including, but not limited to, web fares, sale fares and eCoupons. Both passengers must be booked at the same time, in the same class of service and in the same record. Tickets are only available in I and Z classes of service for First Class travel, only available in P, A an G classes of service for Premium Select, only available in W, S class for XXXX XXXX XXXX, and only available in L, U, T, X, V classes of service for Main Cabin travel and may not be available on all flights or markets. Companion Certificates are eligible for XXXX Complimentary Upgrades which are subject to availability and may not be eligible on all flights. Medallion Members traveling with one companion will be eligible for Complimentary Upgrades to both First Class and XXXX XXXX based on the status of the higher-tiered Member, as long as the companion is a XXXX Member, XXXX Member or partner airline elite member, traveling in the same reservation. Most fares require an advance purchase of up to 14 days, a XXXX night minimum stay and a XXXX maximum stay. All fare rules, restrictions, advance purchase requirements, and availability are per rule of Primary Ticket fare purchased. Companion tickets are not transferable. Primary Ticket and Companion ticket must be purchased with your XXXX XXXX XXXX XXXX. Both passengers must be booked on the same flights and dates, at the same time. Travel for Companion certificate must be booked and completed by the date on the front of certificate. Validity is not based on calendar year. Primary ticket will accrue miles. Companion ticket will not accrue miles. Tickets are eligible for XXXX or XXXX XXXX Certificates but not eligible for mileage upgrades. XXXX XXXX is void if reproduced, altered, counterfeited, obtained or used improperly, or where prohibited by law. XXXX XXXX has no value except when redeemed in accordance with all terms and conditions of this offer. XXXX XXXX is for new purchases only and can not be applied to the cost of miscellaneous charge orders or previously issued tickets. XXXX XXXX will be deemed fully used once tickets have been issued and will not be returned or replaced. XXXX XXXX is the property of XXXX XXXX XXXX and must be surrendered or returned upon request. Fares, fees, schedules, offers and rules are subject to change without notice. Terms and conditions of this offer are as written and can not be altered, modified or waived unless authorized by a corporate officer of XXXX XXXX XXXX XXXX XXXX All Delta XXXX program rules apply. To review the rules, please visit delta.com/memberguide, opens in new tab. Routing/Blackout Dates : Stopovers, open jaws, and circle trips are not permitted. Blackout dates subject to the rules of the primary ticket fare purchased. Taxes/Fees : The fare for Companion tickets includes government imposed taxes and fees of no more than {$75.00} for roundtrip domestic flights ( for itineraries with up to XXXX flight segments ). Taxes and fees depend on the itinerary. Basic Card Members ( not Additional Card Members ) with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX are eligible to receive the first checked bag fee waiver on XXXX and XXXX XXXX XXXX flights. {$40.00} fee for second checked bag. These allowances are subject to size/weight limits. Contact a XXXX agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the companion ticket is issued. Cancellations/Ticket Changes/Reissuance : If the primary ticket or the Companion ticket is cancelled, both tickets will be cancelled and the Companion ticket will not be reissued. Subject to the fare rules of the primary ticket, the value of the primary ticket and any fare difference, may be applied to future travel. Cancellations are subject to the rules of the fare purchased. Neither a new Companion Certificate nor Companion ticket will be issued upon a cancellation. Changes are subject to the rules of the fare purchased and are subject to seat availability. After travel has commenced, rerouting is not permitted. Transferability : The Companion Certificate is transferable, Primary ticket and Companion ticket are not transferable once issued. Companion Certificate may not be bartered or sold. Companion Certificates or Companion tickets acquired through prohibited sale/barter transactions are void and will not be honored for travel. In the event of flight irregularities and/or cancellations, alternative flights will be on XXXX only
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: GA
Zip: 31061
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A