Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX I applied for an extension of credit. A few days later I received a letter saying I was denied. I sent a letter requesting further information about the decision to the address provided on the denial letter and it was returned to me, unopened saying the address was incorrect. Pursuant to 15 USC 1602 ( f ) credit is my right. Under the Truth In Lending Act 15 USC 1602 ( g ) defines the creditor as someone who regularly extends credit in connection with consumer credit transactions. This private consumer transaction that I did not volunteer to have furnished on my consumer report was unfavorable to me and is defined as adverse action pursuant to 15 USC 1681 ( k ) ( II ). I initiated this transaction using my credit card as defined by 15 USC1602 ( l ). Once I provided them my credit card number they completed a transaction from which I received no benefit. The proof of this unauthorized use of my credit as defined by 15 USC 1602 ( p ) is on the inquiry that is now on my consumer report. American Express has therefore discriminated against me pursuant to 15 USC 1691 ( a ) because I completed this application in good faith and they refused my right to credit.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: After filinfg an inital dispute because of a scam that took place concerning the Serve American Express card that I purchased, the company replied back saying they can not refund any money becasue the card is not registered. My complaint is, I have tried numerous times to register the card. Even the day of the scam, I tried to register the card, but I recieved the following message. " Oops! We, this is akward. Please try again later. '' a week later, I am recieveing the same message. " Oops! We, this is akward. Please try again later. '' The company will not refund my {$450.00} because I have not registered the card. However, when I try to register the card, the system is telling me there is a problem and try again later. I even called the number to speak to a representative. The repesentitive told me that she could put in the fraud request for me and asked me to go on line to XXXX and place the fraud there. Please resolve this. I think this company is a scan.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. American Express accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, American Express sent a message to me notifying that my account has been placed in collections placement. After having on-time payments for 2+ years and due to the impact of COVID-19 which I've tried to communicate with them, they closed the account with no suitable justification other than the account having a past due balance. This measure seems very extreme and excessive and an unwarranted exercise of improper actions taking for a small account unless internally they're looking to close unwanted account from an act of prejudice.
Company Response:
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I enabled auto-pay on the loan. My payment portal clearly indicated " Auto Payment On. '' But, the Auto Payment system did not work for the last billing period. I signed-in the first Monday after the end of the billing period ( XX/XX/2022 ) to see if the Auto Payment had worked as I expected it to -- it did not. Instead, I had a late fee ( {$39.00} ) and the most recent payment marked as " overdue. '' I immediately paid the balance ( on XX/XX/2022 ) and reached out to AMEX support to get this resolved. It is a deeply predatory behavior for a loan provider to trick their customers into paying a late fee through an Auto Pay delay. Why show that I had " Auto Pay Enabled '' even when I did not? They intentionally mislead customers into not making manual payments by making it appear auto-pay is enabled, even when it is not. I received no communication from AMEX ( email, mail, phone, text, etc. ) about the due date of the payment, and especially no communication around the status of auto-pay.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Summary : I booked a XXXX XXXX XXXX XXXX night using my credit card. But I did not get the credit per the term. Details : I booked a hotel and then cancelled and booked another one. I saw the XXXX XXXX XXXX XXXX credit for the first booking and then it was clawed back. But I never get the credit for the second booking as the customer service saying it is already issued, which does not make any sense since that is already clawed back. Another representative says that I need to wait for 2 weeks. But it has been more than that. The representative is also not professional at all. They are just waiting your time, give you non-sense reason, and do not give you any update for more than 20 minutes,.
Company Response:
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This American Express credit card was issue without my authorization i disputed the card and it took almost 6 months to clear my name and account was close and deleted from credit report.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My SSN and passport was stolen and seems like this people already tried doing bad use of my personal information. I received an inquiry from American Express that I didnt do or authorized, so I believe they will continue trying to make things like this. This happened between yesterday and today ( XX/XX/2022 ) but I just received the notification
Company Response:
State: TX
Zip: 79762
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: As I was finalizing purchase of a Delta ticket in XX/XX/2022 I was given a promotion to open a new Amex gold delta credit card and receive {$400.00} statement credit & XXXX bonus miles. Statement credit was to be applied approximately 8-12 weeks after a delta purchase & bonus points after {$2000.00} in purchases in first 3 moths. I was approved for the credit card instantly and redirected to another tab to receive a temporary credit card number to complete my transaction with Delta using this new card. I have also met the {$2000.00} spending requirement in the first month yet never received the statement credit or bonus miles. I called multiple times only to be assured it would be resolved and i would see it reflected in my account after 2 full cycles. suffice to say its XXXX and I have now found out I don't qualify for the sign on bonus/ statement credit. No where was there a mention that I wouldn't qualify when i applied for the card, and during multiple calls i was assured that all I had to do was spend, spend, spend and i would see it reflected in my account shortly. I have tried to resolve this issue with Amex but have been unsuccessful to date. I would have never opened this card had it not been for the sign on bonus and statement credit advertised during purchasing my ticket with delta.
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2018, AMEX added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. According to the FCRA, AMEX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A