Date Received: 2022-07-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application ID | Reference : XXXX American Express denied my application for the following reason : We're writing to let you know we can not approve your application at this time because our records indicate that a payment was returned in the past 30 days. I called them many times and ask them for a reconsideration. The returned payment was because of an unauthorized transaction on my account for the amount of {$54.00}. The fraud team already conclude that it's not my fault for the returned payment. However, when I tried to explain this to the credit card application team, they seem not to understand. They always put the wrong notes in and never approve my application.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express uses very confusing wording in his promotion letter to lure customer sign up a credit card. The letter is saying that after a customer spending {$2000.00}, s/he will be earning XXXX points, which can be used toward up to {$150.00} in rewards as gift cards. After I have done all the requirements, I got my XXXX points, but XXXX points only enough to redeem for {$100.00} gift cards. I have contacted customer service, and they just kept lying that it " only '' for " selected '' merchants, but can not show me 1 single merchant gift card is worth {$150.00} with XXXX redeeming points. This is telling a customer you can use XXXX to redeem a {$150.00} gift card, but such gift card does not exsit.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been a consumer client of American Express since XX/XX/2021. All of my payments have been paid on time on or before the due date. American Express is violating my consumer rights by reporting inaccurate data on my XXXX and XXXX consumer reports. I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to American Express in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and XXXX American Express if reporting my late for those two months. I have sent over the statements to American Express as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and American Express fined for damaging my credibility and causing my severe duress and loss of extension of credit. I have attached the XXXX XXXXXXXX XXXX statements to this complaint. Thank you and have a good day!
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a credit card with American Express I enrolled the relief program to payoff the credit card. I did enrolled long term program over 12 months. I payoff before the 12 months. They told me I was not able to use the card til is payoff but Ill be able to use it after program end. Now is not the case. They are telling me that I need to re apply for a new card
Company Response:
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Considering the way I've been treated, I wish no further communication with American Express, XXXX XXXX XXXX, or the State of Utah. It looks like the Consumer Financial Protection Bureau was " ethical '' enough to identify me for you themselves. Close the American Express savings account ending in XXXX immediately or I'll refer this to the SEC or any other regulatory body handling banking -- alternately I may file suit. ( cost to taxpayers, my time, etc )
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX XXXX attempted to dispute, via their online chat, the reversal of a statement credit I received from American Express ( AMEX ). As of XX/XX/XXXX I had not received a response. I spent over an hour online chatting with several different AMEX representatives on XX/XX/XXXX because I had not received a response ( their system kept glitching and my messages would disappear and I would belatedly receive messages from their reps ). And, I was told they could not find the Case ID I had been given on XX/XX/XXXX. After finally being told, after an hour, that they would not reinstate my earned {$220.00} statement credit, I noticed the open dispute button on their website. Though I had previously attempted to directly open a dispute regarding the {$220.00} charge / statement credit reversal, I did not find an option for that. I did today and, to my dismay and surprise, found that a dispute had been opened on XX/XX/XXXX, the day of my initial chat and, also closed on that day without any reason being given for the opening of the dispute or the closing of it... Also, in that portion of the dispute window it was stated I had been provided a written response with the reasons for the denial. I was not provided any written response as they indicated. I met the terms required to receive the {$220.00} statement credit and they improperly rescinded and cancelled it. There was nothing on the face of the document I received indicating that I would have to keep the card open for 12 months or the credit would be cancelled. Nor was I provided such information at the time I was cancelling the card or I would not have cancelled it.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express raised the annual fee for the XXXX card to {$650.00}. Via online chat I contact Amex to cancel card. While first contact was late XXXX, the date Amex made the fraudulent retention offer was XX/XX/XXXX. Amex offered either XXXX points or a {$400.00} credit if I were to spend {$3000.00} in the next 3 months. I asked how do I confirm registration for the {$400.00}. Amex replied 'nothing I need to do... and it's saved in the chat. ' I met the {$3000.00} spend on XX/XX/XXXX. I paid off the balance and contacted Amex on XX/XX/XXXX to inquire about when I would see the {$400.00} credit. At that time Amex stated there is no promotional offer and I referred them to the chat save above. The Amex response was I never officially accepted the offer to which I copied and pasted the converstaion of me asking " how do I confirm registration ... '' and Amex replying " nothing further to do.. ''. After back and forth the agent assured me I would receive the credit 8-12 weeks after I met the threshold date on XXXX, to which I confirmed several times " credit will be issued between XXXX. '' They confirmed this would be the case. On XX/XX/XXXX I followed up to see we passed the date and no credit issues. The Amex agent said they would take 8-12 weeks to REVIEW the situation. Only after much time and pressure Amex said they would respond within 5 business days. I waited the period indicated and then an extra few days, no update and no credit. On XX/XX/XXXX I contact Amex again and was forced to recap the entire scenario from XXXX to date, again. I was assured the credit was issued and I would see it updated within XXXX. I checked back on XX/XX/XXXX - NO CREDIT. XX/XX/XXXX start all over again with agent. Get to the same point where they apologize and " promise '' I would see credit in XXXX. Nothing from this company
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received an offer for a credit card in the mail from American Express ( AMEX ). If I would return to them they would provide a statement credit of {$220.00} if I would spend {$2000.00} within the next 6 months. This was all that was stated on the face of the offer. I fulfilled my obligations and received the {$220.00} statement credit. I later cancelled the card. Immediately after my cancellation AMEX cancelled my statement credit and put a {$220.00} balance on my card. I began contacting them about this online on XX/XX/XXXX and disputing the reversal of my statement credit. I was told I would receive a response within 5-6 days. On XX/XX/XXXX I contacted them again. After several tries with several different representatives, I finally had a purported supervisor in XXXX tell me they were not going to honor the agreement and would not reinstate the {$220.00} statement credit because, in the fine print in the agreement that was purportedly online when I signed up, using the RSVP I had been sent, there was a clause that if I closed the account within 12 months they would rescind the statement credit. This was not on the face of the offer I received in the mail and I was not informed of this at the time I was cancelling the card. Or, of course, I would not have cancelled it. It is false advertising and mail fraud for AMEX to send me such an offer in the mail, stating an offer on its face, then claim later that there were additional rules and requirements contained elsewhere in a long online agreement.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. AMEX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied to an American Express Gold card on XX/XX/2022. As part of the process, I was notified by the website that it would require additional information for income verification. My credit received an expected inquiry for the application. I received the XXXX Request form on or before XX/XX/XXXX. I submitted the document on XX/XX/XXXX. After submitting the document, I continued to receive around three more XXXX requests in the mail identical to the original. I submitted another one on XX/XX/XXXX, assuming there was an issue with the first XXXX. I had no contact with the company at this point. On XX/XX/XXXX, I received a second hard inquiry on my credit report that was unauthorized. I discovered this on XX/XX/XXXX, and I called the customer support line to get more information. I was told that my original credit inquiry expired, and they automatically ran a second one without my consent. I was further told that the IRS should be returning the transcripts they requested shortly, so they should be able to make a decision soon and to call back in about a month if I did not hear anything. I was annoyed by the second inquiry, but I was willing to accept it if I received the decision I was waiting for. On XX/XX/XXXX, I called customer service again after not hearing anything about the application. On the call, I was told that my application was no longer valid due to it being inactive for 6 months and if I wanted to continue the process, I would need to apply again and receive another inquiry to my credit report. Further, I was told that my original XXXX form did not return from the IRS and that I *might* not need another XXXX if I applied again, but there was a possibility of having to submit the form again. At this point I requested to have the inquiries removed from my credit report because the application was never processed and it was entirely out of my control. Further, the second inquiry was not approved by me at all. I was told that was not possible and I requested a callback from their floor manager. On XX/XX/XXXX, I received the callback from the manager. They apologized for the situation and said that they will remove the inquiries from my credit report. Further, I was told that if the IRS returns the transcript at any point, I would receive a call from American Express to re-pull my credit to process the application. As of today, XX/XX/2022, both inquiries are still on my credit report and I have not heard anything from American Express.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A