Date Received: 2022-07-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/2022 I brought a XXXX XXXX XXXX for {$800.00} dollar on XXXX XXXX I was told to load the cards take photos of my cards and receipt and load to the website by the seller I did and I received a invoice so on XX/XX/2022 The seller contact me to say that the XXXX was on hold in custom and I would have to pay {$500.00} and would be reimburse when the XXXX arrived I never received my XXXX so I call serve American Express to stop the payment and was told they can't do anything until the money was taken so on XX/XX/XXXX a scammer stole XXXX XXXX I have dispute this problem twice and they just keep declineing my disputes Serve American Express is not conducting a proper investigation and just keep denying my disputes I have fax the invoice Declaration of fraud and dispute form to the and still they want give me a refund
Company Response:
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: As a XXXX XXXX member I was looking for tickets and saw an advertisement for American Express. " Earn a {$300.00} Statement Credit and XXXX Bonus Miles ''. XX/XX/XXXX XXXX I applied, got approved and received a temporary credit card.. XX/XX/XXXX I bought XXXX tickets using this card ( I spent {$1300.00} ). At the end of XXXX, I called American Express and received confirmation that " Welcome offer '' ( including {$300.00} Statement Credit ) were available to me. As a matter of fact I received an information letter from AMEX dated XX/XX/2022. Week ago I received monthly billing invoice from American Express and did not found {$300.00} Statement Credit. XX/XX/2022 I called AMEX ( talked to supervisor ) and they told me that for some reasons I did not qualify for this credit. My understanding, is that even if I don't fit their criteria ( which I doubt ), they must warn me that I am not eligible for Statement Credit before I start using their credit card. Otherwise it is cheating the customer as they have the advantage anyway.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: American Express has failed to resolve this issue after 65 days. In XX/XX/XXXX American Express informed me that one of my 2 accounts was overdue, although I have consistently directed payment from my bank account to each of 2 accounts at American Express, one paid {$45.00} on the XXXX of every month and the second paid {$45.00} on the XXXX of every month. There has been no change whatsover in my monthly payment patterns. In XX/XX/XXXX I responded to this incorrect accusation by telling American Express in several phone calls that they were erroneously applying one of my 2 account payments to the wrong account. Their only response to this complaint was to start denying my current charges on both accounts, including the one where they were accruing payments incorrectly, and where credit must be shown to be available. In addition, I have been locked out of my accounts on the American Express website. When I called to demand paper statements via mail on both of my accounts, American Express failed to respond. Accordingly, I have been denied records that can prove my case against American Express ( other than my own bank records, which are very clear ). CFPB can examine their records and see that this is not the first time American Express has done this. I made an identical complaint to CFPB in XXXX, as well as in XXXX and in XXXX. By my account, this is the 4th time American Express has deliberately allocated payments incorrectly on my 2 accounts, and each time they have acrrued incorrect fees for an extended period of time. Either American Express has a serious security problem on my account records, or they are deliberately continuing a lengthy pattern of abuse on my accounts. Several times American Express has sent incorrect information to the credit reporting agencies and has been forced to retract. I strongly urge CFPB to examine American Express consumer practices and to deny them the opportunity to open new accounts until such time as all cases such as mine have been corrected with full compensation repaid to all consumers filing complaints. XXXX XXXX XXXX filed XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On Tuesday, XX/XX/XXXX, I purchased and loaded with cash {$450.00} on an American Express Reloadable Prepaid card form XXXX store in XXXX Florida. Two hours after I checked the balance on the card it had a {$0.00} balance. I listed to the transactions that were posted to the account. To my surprize, there were 3 different purchases 2 from XXXX and anotherone from XXXX. I immediatly called the card service to see if they could stop payment. The card representative said the transactions were still pending and advised me to go on line and file a fraud complaint.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX cards were opened in XX/XX/2022, I received XXXX credit cards in the mail from Amex. I have called AMEX and have them cancel the card and pay with the bank account that was on file. The total amounts were above {$25000.00} on the cards
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Account to delete : American Express ending XXXX Default Judgment In New York State, the statute of limitation to collect the debt is three years. You, American Express, can not send any more communications, statements, and correspondence on any medium about a debt. You, American Express, have not provided any documentation proving that I owe alleged debt. You, American Express, did not and stated in last correspondence that you will not send me any documentation, including the original contract. Pursuant to 15 USC 1666, you have forfeited your right to collect alleged debt. You, American Express, did not validate or verify an alleged debt with XXXX XXXX. With Regards, XXXX XXXX XXXX/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Company Response:
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMEX Account Number : XXXX
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I mistakenly walked into a gentlemen 's club with a business associate in XXXXXXXX XXXX where my American Express XXXX XXXX was fraudulently charged seven ( 7 ) times for an unconscionable amount of money ; {$180000.00}. American Express has informed me that after investigating the supporting documents provided by the merchant that these transactions are valid. This elaborate scam was orchestrated by 10 employees of this establishment in XXXXXXXX XXXX - 4 " entertainers '', 4 " host ( s ) '', 1 manager, and 1 witness by providing American Express a receipt/ invoice packet completed with forged signatures, forged initials, excessive tips amounts not in my handwriting, smudged thumbprints, unknown service fees to the establishment, and a photo suggesting I signed off on this egregious act. Ive call the merchant ; however, they are not willing to cooperate. When I left this establishment, I immediately reported my credit card compromised to American Express after noticing the charges on my American Express app through my cell phone. A customer service representative informed me their fraud team will review the transactions and provide feedback. At this juncture, I was confident American Express would know these transactions to be fraudulent. Three weeks later, I received a call from their Fraud department stating that since I was on the premises and I authorized one ( 1 ) transaction before these seven ( 7 ) unauthorized subsequent transactions that I would need to dispute these charges with their dispute department. As stated above, the dispute team has elected to deem these charges as valid due to the forged documentation that the merchant has provided. My next step was to file a police report then hire a local attorney to protect my civil interest in XXXX ; which I probably should have done both sooner. A call to two ( 2 ) reputable law firms in the XXXX XXXX area directed me to an attorney that currently has cases on-going against this same merchant for the same type of scam. In addition, a discussion with local law enforcement has reveal over XXXXhree ( 3 ) dozen victims have experienced a similar incidents by this merchant the majority being American Express XXXX cardholders. In fact, I believe there are five ( 5 ) American Express cardholders filing civil complaints against this merchant. Further, local law enforcement under the direction of the State Attorney Generals Office XXXX XXXX has subpoenaed my American Express Account information to investigate these transactions. Ive informed American Express of my discoveries with their merchant ; however, they stated there are loopholes in their merchant agreement whereby the receipts/ invoices the merchant provided gains the appearance to their validity according to their internal procedures. I envision all the American Express cardholders which have dealt with this merchant and American Expresss position on their scam have experienced financial harm and emotional distress to a high degree ; myself included. My question to American Express with the support of the CFPB, is when does a credit card company have a fiduciary responsibility to protect their cardholder ( s ) from a merchant that uses deceptive and abusive business practices against their cardholders? I feel that if a credit card company has a reoccurring scenario/ problem with a merchant against its cardholders, you do not allow them to accept your credit cards or you allow your cardholders to chargeback the dispute amounts. I look forward to XXXX XXXX response and the assistance of the CFPB.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My prepaid debit card with American Express prepaid debit card was funded by my Social Security Income with backpay of XXXX XXXX I was hospitalized from XXXX and during that time there were numerous ATM withdrawals of XXXX $ and XXXX $ at various locations. These were not authorized by me and I don't know who withdrew the money from my account. I already reported it to the bank and they denied my dispute. They want me to request in writing how they reached their conclusion of their investigation.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My American Express XXXX were abruptly suspended after XXXX years and I was told that I have to submit filed tax returns in order to restore my privileges and I never received anything in writing. I spoke to XXXX XXXX who was assigned to my account.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A