Date Received: 2022-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear American Express, IN RE : Credit Card Account Ending in XXXX I am contacting you all in regards to the transaction in the amount of {$14000.00} that posted to my account on XX/XX/22. I previously reported this transaction as fraudulent, however, American Express sent me a letter stating the transaction was determined to be valid, even though XXXX has provided me a statement stating that they never provided American Express with any evidence or data that would have shown the transaction to be valid. This transaction was the result of identity theft and I reported this transaction within 45 days of it happening, however, American Express is now saying they have no record of said complaint even though I reported this matter. And then re-reported it months later. I am hereby requesting this transaction amount immediately be removed from my American Express balance given XXXX did not provide any evidence that shows this transaction to be valid, and given I reported it within 45 days of it happening and then re-reported it months later and then just recently reported it again which can be found under CASE ID # XXXX. I furthermore would like this transaction removed from my transaction history given the fact that I just recently reported another fraudulent transaction which happened on my account on XX/XX/XXXX with the same merchant in the amount of {$500.00}. I believe someone is creating a fake account trying to pretend as though they are me and charge my account. That matter was reported on XX/XX/22. I furthermore dont understand how American Express thinks they can put this amount back on my account when XXXX has told me the seller for this transaction provided no response to the claim filed in relation to this transaction and that they did not provide any evidence showing it to be a valid transaction. Therefore, I hereby request American Express remove the amount of {$14000.00} from my account balance immediately while this matter is being Investigated and that American Express then permanently remove the transaction amount from my account balance given this transaction was the result of identity theft and was fraudulent. In the event this is not done my attorney will be filing a lawsuit against American Express for trying to make me pay and for adding an amount to my account balance that was a fraudulent transaction. Please send this correspondence to American Express Legal Department as well. To find my account please use XXXX XXXX Thanks. XXXX XXXX XXXX
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX, AMEX XXXX, AMEX XXXX
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted XXXX agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally XXXX XXXX XXXX and who knows how much they suffering from their XXXX activities, which is called in the criminal driven market kids for cash. XXXX created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from XXXX custody is a piece of cake for him, later as we found out, he was giving courses to XXXX XXXX XXXX XXXX XXXX,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from XXXXXXXX account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from XXXX and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my XXXX account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I filed the tax returns ( XXXX XXXX and XXXX XXXX ) in XXXX and was tax due to both IRS and XXXX XXXX XXXX ( state of California ). The amounts were XXXX $ to IRS and XXXX $ to XXXX XXXX XXXX ( state of California ) I provided XXXX 's American Express Saving account details as the account had ample funds to pay these tax due payments. The same were deducted from the account on XXXX of XXXX ( see the attachment ). On XX/XX/XXXX American Express tried to contact to confirm the charges but XXXX was busy with work and meetings, so we called American express in the evening. We told that the transactions are genuine and they need to pay both IRS and XXXX XXXX XXXX ( state of California ). At that point American Express told me that the transactions were rejected and asked me to initiate the transactions again with both IRS and XXXX XXXX XXXX ( state of California ) ( see the attachment ). I went ahead and registered an account with bth IRS and XXXX XXXX XXXX ( state of California ) and payed the taxes due. The same were XX/XX/XXXX and XX/XX/XXXX ( see the attachment ). Since the first transactions were rejected by American Express ( even though there were funds available ), both IRS and XXXX XXXX XXXX ( state of California ) charged the return fee ( IRS : {$390.00} and State of California : {$27.00} ) I asked American Express to pay for the return fee as they were the ones rejected the transactions without confirming them. But they denied to pay
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: American Express : First they refused to close my savings account, then they froze my card after transferring customer service to " XXXX '' Both accounts are still active, and I still get emails even though I have no control over the accounts... State of Utah American Express bank ( XXXX and XXXX )
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express/Delta Bait and Switch : On XX/XX/2022, I was in the process of deciding whether to purchase a flight on Delta, XXXX an offer popped up on the screen to apply for an American Express Delta SkyMiles Card. Here is the full text of the offer, and please also see attached screen shot of the offer : Earn A {$400.00} Statement Credit And XXXX Bonus Miles* Plus Enjoy Your First Checked Bag Free On Delta Flights {$0.00} Introductory Annual Fee For The First Year, Then {$99.00} *Statement Credit Issued Approximately 8-12 Weeks After You Make A Delta Purchase On Your Card In Your First 3 Months. Bonus Miles Will Be Issued After You Make {$2000.00} In Purchases On Your New Card In Your First 3 Months. Offer Expires XX/XX/2022. Terms And Conditions Apply. This helped me to decide to move ahead with the purchase. I applied for the card and was approved within a minute ( I have excellent credit ). I was immediately given the choice of either receiving my new card number instantly or waiting for it to arrive by mail. I chose to receive the instant number so that I could use the card to purchase my Delta flight -- this was the obvious incentive for applying for the card. If I waited for the physical card by mail, the airfare would of course increase so I wanted to make the purchase in the moment. Initially I did not receive any welcoming email, so was unsure how I would receive the new card number to use, so I phoned American Express, who said they were aware of this issue and would resend the email to me. I explained that time was of the essence as Id responded to the offer in the midst and for the purpose of purchasing a flight. The customer service representative offered to expedite the physical card also, promising I would have it within 72 hours ( i.e., 3 days ). I agreed to this. I believe this was a recorded call. When I received the welcoming email a few minutes later confirming that my application had been approved, it included a button that said " See my card number now. '' When I clicked on that, it took me to a website with an error message saying " We're sorry, our systems are not responding right now. '' I retried several times but kept getting the same message. I then called and spoke with three different AmEx customer service reps, explaining I could not retrieve my instant number despite having been approved, the last of whom " escalated '' the question to his supervisor, to their customer service team, and finally to their digital team, and ultimately told me that nothing could be done ; I would have to wait for the physical card. I even tried contacting them via chat, and the customer service person confirmed : " I've checked, Instant account number are available to access after you submit the card application for eligible accounts if you choose to get the Instant card details. '' I was approved, did choose to get the instant card details, but then was told I would have to wait for the physical card. I then resigned myself to waiting for the physical card to make the transaction, knowing the airfare would likely to increase. Today, XX/XX/XXXX, 5 days after initially applying and being approved for the card, I received an email from American Express saying my card is ready to ship and I will receive it on XX/XX/XXXX! Thats 11 days, not 72 hours, since I first applied and was approved. This is a clear case of bait-and-switch. I don't know whether Delta or American Express, or both, is being disingenuous with this offer, but this is also misleading and false advertising, and the offer must either be delivered on as promised, or removed from the Delta website. I would be happy to provide further detail upon request, and at the very least I would like an apology from American Express and acknowledgement of this situation. I can provide back-up and screen shots of all pages and emails mentioned above.
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. I acknowledge your immediate attention to this matter and response within 4 business days.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently changed my checking account to pay for the regular monthly payment to American Express. However, an assailant or a criminal overdrafted a {$130.00} payment from my XXXX account to American Express. They caused me to overdraft the XXXX checking account. I think that someone at American Express, illegally, went online and accepted a payment of almost {$300.00} to ruin my checking account. Basically, they went online at American Express and authorized a large payment so that they would continue to ruin my account at XXXX and American Express. I was supposed to be in a payment plan at American Express and my normal payments would not go over {$40.00} per month.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A