Date Received: 2022-09-05
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: On XXXX. XXXX, XXXX, booked my wife, XXXX XXXX XXXX, a round-trip ticket thru XXXX from XXXX to XXXX on XXXX ( XXXX XXXX XXXX departing XX/XX/XXXX and returning XX/XX/XXXX. XXXX Reservation Number XXXX. Paid {$1600.00}. On XX/XX/XXXX return flight, when checking in at XXXX XXXX XXXX, my wife was denied seat to her surprise. Her reservation was cancelled. She was forced to purchase another ticket one-way to LA costing {$2100.00}. Filed claim for refund of {$2100.00} first with XXXX on XX/XX/XXXX. Since then, XXXX and XXXX are arguing neither is their responsibility claiming the cancellation was triggered by XXXX XXXX connecting flight. XXXX denied the claim saying since the ticket was purchased from XXXX, XXXX should be the one issuing the refund. I then filed a claim with American Express used in purchasing both tickets. It's being processed pending response from XXXX.
Company Response:
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with monetary relief
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: Was not notified of investigation status or results
Consumer Complaint: To whom it may concern, My personal financial information was utilized without my permission or knowledge to obtain credit, items, or services on the above-mentioned account. Please release me from this debt and alert credit bureaus and collection agencies. Please consider this.
Company Response:
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have the credit card from American Express that starts charging a fee of {$95.00} from XXXX. So I downgraded to a no-fee card in XXXX using their online chat service. The agent said they would send me a new card soon and meanwhile I can keep using the old card. However I never received the new card and today I found they charged me of {$95.00}. Besides there are other fees I'm not aware of I need the company to give me an explanation.
Company Response:
State: NC
Zip: 27519
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: When I upgraded my credit card on XXXX, I was told that till XX/XX/XXXX the annul fee of {$95.00} will start to kick in. So I downgraded this card in XX/XX/XXXX. Yet, American Express not only charged me {$95.00} but also charged me a fee of {$53.00} on XXXX, XXXX. When I was trying to solve the problem with {$95.00} fee charged supposedly on my new non-annual-fee card, I found this hidden charge. I talked to their online representative and learned that because the free one-year period was over, so they started to charge. I said I didn't receive any reminder of that, not in your promotional materials, not in the email before you were going to charge me on XXXX, XXXX. This is fraudulent and misleading promotion. Hope more American Express users pay attention to issue.
Company Response:
State: NC
Zip: 27519
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX Date Opened : XX/XX/1997 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response:
State: NY
Zip: 11219
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened an account through XXXX 's website with American Express. I was promised a {$400.00} statement credit after 2-3 months and with a XXXX XXXX XXXX I did all this. I never received a statement credit. I had to call 5 times over 3-4 months before I was finally told I wasn't eligible because I had a prior acct with them. This account was years ago and I never made any purchases because AmEx couldn't get me the info to make the qualifying purchase ( a XXXX flight ) in time and thus I immediately closed it. Never made a purchase or received an award. So, I basically twice missed out on getting the advertised/promised reward. AmEx says I was told in the application process online that I was ineligible but I was not. I would never have opened the account. Additionally, if that was so obvious, why did no one tell me that on the first 3-4 phone calls. These practices are deceptive and designed to confuse consumers and keep them on the hook with their accounts open.
Company Response:
State: OH
Zip: 45458
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. XXXX Bank ( XXXX ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. XXXX
Company Response:
State: MI
Zip: 48009
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card. TODAY, I discovered 2 hard inquiries on my XXXX report from American Express and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. I attempted to access my XXXX report, but I was unable to make an account. It appears the scammer made a fake account with XXXX under my name, as they used an old email and I discovered an email in my inbox welcoming me to XXXX. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact XXXX, but they have nobody answering any lines over the weekend. I need a case number reference this incident and I also would like to list a complaint that XXXX has zero weekend support while the other two Bureaus at least have customer service. My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.
Company Response:
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with non-monetary relief
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: See attachment
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A