Date Received: 2022-09-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Amex suddenly closed my account without any reasons. I paid annual membership fee but they would not even refund it after they canceled my account. I need to know why they cancel my account, and whether they can reinstate my account. If not, please refund the annual membership fee I have paid.
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: American Express said I had a bill still owing {$2.00}. Was opened up on XX/XX/2015. This is not mine at all. I couldnt even get an American Express card. Now they are using my name, social and everything. I want it off
Company Response:
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: During the last week of XXXX maybe before American Express claimed I was pre-approved for a business credit card. My business name is XXXX XXXX XXXX i applied feeling as if i was going to get it. I was denied. It took my credit score down about 70 points or more and I was trying to build my credit so I could purchase a home. That's a real setback and I want to sue them let them buy me a house. My social is XXXX. XXXX XXXX XXXX XXXX MS XXXX. They gave ma an RSVP number and everything. I am disappointed because ain't no telling how long it's gon na take to get it back up. XXXX is my phone number in case you would like to reach out to me.
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: My American Express bluebird card expired on XX/XX/XXXX and I did not inform them of change of address. My fault. Called XX/XX/XXXX to give new address and order replacement card. Was told if I paid {$20.00} they would send by XXXX. Took {$20.00} out and card never came. Called XX/XX/XXXX was told they would send it USPS Called on XXXX they said it was never processed, needed to be validated and they then said they validated it. Called on the XXXX to check and was told it was processed and I would receive it before the XXXX. Never came. Called on XXXX nd they said it needed to be documented. Emailed picture of drivers licence. On XXXX got an email saying they received picture and it was valid wait 24 hrs and would receive it in 7 to 10 days all this time talked to XXXX and XXXX. Lied to and hung up on many times. Would receive email from AMEX many times saying my email address has been updated then recieved email saying it needed to be updated. Called corporate number and got operater who could not help but said she would connect me to USA rep but got XXXX again Called back said she would guarantee USA. Lied, XXXX again. She gave me Chairman email address. Wrote long complaint and they said they would respond in 4 days. 8 days later got a call from North Carolina number by american who said she was from AMEX. Was estatic only to realize it was scam. I get my Social Security deposit on my Amex card and it has been frozen for a month. Can't pay rent or bills. They have frozen my money then refuse to comunicate with me I've been lied to numerous times by people from XXXX XXXX and AMEX. I'm XXXX yrs old and have never experienced anything like this. They have frozen my money and refuse to talk or comunicate with me. Pleaser help I'm desperate.
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I filed a purchase protection claim with American Express : The date was XX/XX/2022. I traveled from my home in XXXX, Florida to XXXX, Florida to walk around, explore, and photograph an area called XXXX XXXX. I parked at the XXXX XXXX XXXX, walked to XXXX XXXX, and hung out there for a while. I walked around, used my camera to photograph the cool things in the area, and ate at a restaurant/bowling alley place there. After eating, I hung out at XXXX XXXX for a little longer, before deciding to walk around the XXXX XXXX area for a little. After walking around, I found myself near a park with playgrounds and benches ( looking at the map, that park was XXXX XXXX XXXX XXXX ). I sat on one of the benches for a while, as I was a little tired from walking around. I was on my phone, and saw a man ( the father ) trying to take a photo of his family, approximately 15-20 meters away. Knowing how I would appreciate it if someone offered to take a photo of my own family while we were out and about, I offered to take a photo of all of them together. We chatted for a while before they departed, and once they left, I went back to the bench where I had been sitting. The camera bag was in my view while I was taking a photo and chatting with this family, however when I came back to the bench it was gone. I spent about another hour looking for my camera bag in the park area, asking people if they had seen it, checking everywhere for it, but to no avail. I didnt immediately file a police report, because I figured I had lost it. The next day, I filed the claim with American Express that I had lost my camera. After being on the phone with an American Express representative today, they mentioned that the claim had been denied, since by my description, the item had most likely been stolen, instead of me losing it. I asked if there was anything I could do, and they mentioned filing a police report and to add it to the claim. I filed a police report with XXXX Police Department, which you can now also find added to the claim. I believe that my purchase protection claim was wrongfully denied. After many hours of speaking with customer service representatives, filing police reports, and looking everywhere for my camera, my claim was denied, due to it being not reasonably safeguarded. I did everything in my own power to keep the camera reasonably safeguarded, yet it was still stolen from me - whats lost on me is that if any reasonably safeguarded item was stolen, then the thief was able to bypass the safeguards and steal the item. I realize that my original filing was under lost item, but as requested by an American Express representative, I filed a police report to claim the item was stolen, as that was what had happened. I was confident in American Express to help me in this matter- why else would I be willing to pay {$690.00} every year? Its very disappointing and quite frustrating, as Ive been an American Express customer since I turned XXXX XXXX XXXX, and have recommended the company to many friends and family due to their excellent customer service and benefits.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, XXXX, and American Express regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at American Express. American Express informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and XXXX accounts. On XX/XX/XXXX, XXXX removed the two fraudulent American Express hard inquiries from my credit report. However, XXXX didn't. I've reached out to XXXX to have them remove them ; however, they claim that they can until American Express reaches out to them. But when I reach out to AmexXXXX express, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. Amex 's claims are entirely false ; you can confirm with XXXX that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my XXXX to be removed. I can provide proof of my credit report clearly showing one hard inquiry from Amex on XXXX and 3 from XXXX. In the attached document, you will see clear proof that there is one hard inquiry from Amex, which is correct in my experience. Followed by three inquiries on my XXXX, which is incorrect, and two of them should be removed, the two being XX/XX/XXXX & XXXX.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express is unlawfully retaining past personal and financial information on me on accounts of more than 20 years ago that were included in bankruptcy. These accounts were closed more than 20 years ago. What is the lawful purpose that American Express still has information on me in their systems.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am an authorized user on the account for over 15 years and I did my and you checking account from XXXX XXXX XXXXXXXX. I process the payment in full just like American Express money and it said it with the account on hold for seven days and stopped all my charging privileges suspended my account. Ive already filled out the verification for multiple times and provided and support regarding this. I spoke with both XXXX and XXXX who were Extremely rude and XXXX use the wrong pronouns to describe me it was extremely upsetting! I went ahead and XXXX processor verification form and they continue to like the entire process, this has been genuinely upsetting. If American Express does not want to get paid them please let me know and I will no longer process any payments and do business with you again. Also because I promised a payment in full you guys ended up taking the money out of my checking account and refused to process it towards my spending power, if you guys dont want to get paid then please just refund me my money instead thank you. XXXX was also very condescending
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act American Express and 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 consumper plan as late for any purpose.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXXXXXX XXXX XXXX account number XXXX. Delinquent 2. Amex : account number XXXX. Delinquent 3. XXXX XXXXXXXX XXXX : no account number shown on the credit report 4. XXXX XXXXXXXX
Company Response:
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A