Date Received: 2022-08-12
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Upon checking my account I noticed a plethora of unauthorized charges on my account. My card was in my possession the whole time and I let nobody use it. In tears and confused I immediately phone American Express Serve and reported the fraudulent charges. Totaling a little over $ XXXX. To my amazement the representative I spoke to was extremely condescending almost hinting as if I had something to do with these charges. I was furious! I received an email saying {$4800.00} was disputed. Which is a lie! I have proof of my Declaration Of Fraud which I will also attach, I never disputed that much. I only disputed unauthorized charges that I didn't make. The email also stated " Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your account. '' I called in another time, the representative that answered said I have to take it up with the merchants in question. How when I've never did business with any of those merchants?! American Express Serve is extremely unprofessional and can care less about their customers. Obviously our money and financial safety mean nothing to them. I am on here to share my nightmare of a story. And hopefully deter others from making the same mistake I made using this Institution. Please go to an Institution that values your account safety and customer relationship. Please stay away from American Express Serve they don't care about their customers.
Company Response:
State: VA
Zip: 23607
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is a follow up, an update from a previous complaint. I represent myself. I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. The account has not been removed from all three major credit reporting agencies. If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Company Response:
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 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. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX AMEX XXXX
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: on XX/XX/2022 I was charged 2 charges from XXXX. 1 in the amount of XXXX and the other of XXXX. I called the bank when i spotted these charges within minutes of it happening. the said that I would have to wait until they fully post to the account and then once they do then I can call back a do the dispute process. I called vans.com and they were able to verify that it was fraud and were able to catch the one package being sent out and on XXXX called and refunded me the money to the account. since then, I have done the dispute process with my account on XX/XX/2022. I filled out the declaration of fraud form as advised and sent in it on XX/XX/2022. i called American Express serve and they advised they received the dispute form and that it will take 10 business days to look into giving a conditional credit to the account. i called XXXX on XX/XX/2022 to check the refund status. 2 additional agents confirmed that they processed the refund and it's been fully refunded as of XX/XX/2022. I call American Express Serve to check my refund as it had been the 5th business day. The fraud department said they still don't see the refund and to call the next day to check to see if it's been refunded. i called XX/XX/2022 and the representative I spoke to told me i have to wait until the dispute processes to receive my refunded money and that they never received the declaration of fraud form when i was advised that 2 agents that they received it and checked it and said it was good. XXXX refunded me my money but i have no access to those funds as American Express Serve has decided to withhold my funds from me until the other fraud charges are reviewed. The one has been resolved as vans.com was able to correct it and i should have had access to those funds they sent back to within the 3-5 days. so, my XXXX that has been sent to my account is being held without reason and I keep getting the run around. unable to speak to a supervisor or have anything handled. 10 calendar days later I'm still out of a total amount of XXXX $ even though XXXX has been fully refunded to my account and no is willing to help me get the money that was already returned to me.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I was incarcerated for XXXX years from XX/XX/XXXX to XXXX year XXXX I had an American Express serve card and I had Social Security XXXX benefits going in to my account however during my incarceration a Business from XXXX named XXXX XXXX took out a lump sum of almost {$12000.00} out of my account and XXXX was taking out XXXX a month or {$1400.00} in music fees that I did not authorize I dont on a XXXX XXXX only on XXXX products and it was done on a XXXX XXXX I try to resolve my problem of fraud with American Express I gave them my incarceration paperwork stating the time frames I was incarcerated and I gave them all the debit transactions that feature places was debiting large sums of money anywhere from {$150.00} up to {$4000.00}. The last transaction was {$4000.00} on XX/XX/XXXX I try to resolve this with American Express and XXXX XXXX was the only one that gave me a confirmation number that it was fraud but American Express absolutely did not give me nothing back at all and I did not make none of these charges or had access to a computer incarcerated.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Regarding a XXXX American Express XXXX : I incurred a late charge. I requested a credit/grace due to my belief of having being a good customer. While this event does not happen regularly, most companies are willing to do this. The agent explained my spending behavior/amount didn't warrant a credit. A supervisor essentially said the same thing and that the " system '' wouldn't allow it. There were long pauses and I believe this was a tactic recommended to get customers to give up and hang up. I was told there was no customer retention or compliance department. I requested the account be closed. I was read a disclosure. A few weeks later, I received a promotional email. I logged in and learned the account remained open. I feel the act of not closing an account is a systemic problem whether it be performance metrics AMEX holds on customer service personnel or that leadership explicitly trains as tactics. I feel deceived as a customer. I believe the call took place on XX/XX/30 or XXXX.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XXXX I disagree with the response provided by American Express in their letter dated XXXX. I should be reimbursed approximately {$1000.00}. In the American Express letter, the Cardholder Agreement is referenced that states that charges made with the card can not be disputed and that transactions are similar to cash transactions. The card is in my possession and has not been used in any financial transaction excluding a small transaction made at a vending machine on XXXX. Therefore, the prior transactions were not made with the card since it has been solely in my possession since XX/XX/2021. If I store money in my refrigerator and no one has access to it, no one can use it to make purchases. The same would apply to the gift card. Something went wrong and Im asking you to investigate this situation and refund to me what is just. Some type of corruption or a mistake is most likely the reason for this problem, e.g., a security breach, internal corruption within American Express staff, a duplicate file of cards could have been produced with the same card number and PIN, etc. Please investigate and return the money that should belong to me. Some of these examples could have gone beyond your internal controls. Thank you.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of XXXX I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : AMEX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American express discriminated against me as a consumer. I was exercising my rights in good faith under the consumer credit protection act
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A