Date Received: 2022-07-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hello I got this card with the promise that they will give me XXXX XXXX XXXX XXXX XXXX and XXXX XXXX they never gave me the XXXX and keep throwing me back and fourth finaly they said it's on XXXX XXXX but it's not i tried very hard to get them to honor their promise XXXX tells me to call American Express and American express tells me to call XXXX
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express continues to unfairly deny me a credit line increase for my Hilton and Delta accounts. American Express has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with XXXX XXXX XXXX and their Fraud Unit, XXXX said American Express is providing " misleading information '' related to my credit report. XXXX confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. XXXX confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. American Express is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against American Express for violating my rights time and time again. XXXX outlined that the information presented by American Express in relation to my score is outdated and not valid. XXXX suggested that American Express ask for or review a current credit report that outlines the facts.
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express continues to unfairly deny me a credit line increase for my Hilton and XXXX accounts. American Express has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with XXXX XXXX XXXX and their Fraud Unit, XXXX said American Express is providing " misleading information '' related to my credit report. XXXX confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. XXXX confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. American Express is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against American Express for violating my rights time and time again. XXXX outlined that the information presented by American Express in relation to my score is outdated and not valid. XXXX suggested that American Express ask for or review a current credit report that outlines the facts.
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In XX/XX/2022 my American Express credit limit was {$6000.00} In XX/XX/2022 my American Express credit limit was {$4300.00} No letters or correspondence explaining this discrepancy My credit rating has been negatively impacted My monthly payment has now jumped fro {$91.00} to {$350.00}
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called American Express Early XX/XX/2022 to cancel my American Express Credit Card. I was cancelling my card because I received an annual fee. As an exception American Express waived the fee and closed my account. Days later the fee was still on my account. Once again American Express stated the account was closed and they will waive the fee. Last week I received an e mail stating a min {$40.00} payment was due. American Express has locked me out of their online banking portal. i called them for a 3rd time. At this point they advised that I had a balance- of the annual fee. The representative ( Employee : XXXX ) stated they were not able to assist me, nor would they send me in writing the account was closed and the fee was waived. I had to wait for a call back. This caused major distress. The employee confirmed the in their system of record notes the account is closed, and the fee is waived. American Express was negligent and charged me an annual fee on an already closed account. This is very concerning, how may clients are they doing this too? This issue needs to be investigated. My account was closed. American Express 's system of record supports they waived the fee and closed my account in XX/XX/2022. XX/XX/2022 they charged a closed account an annual fee. They had no way to correct this.
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My ex-partner used me, my social security number and legal name to commit XXXX fraudXXXX XXXX through his business, and he opened 2 business credit card, maxed it out, without my consent or acknowledgement. He opened, used and maxed out two personal credit cards under my name and social. All of the above statements were for his own personal and financial gain for himself and business. This individual grifted me for two years, took advantage of me and battered my legal name and social ; leaving me in crippling IRS tax debt and overwhelming credit card debt. I was in a relationship with this individual for two years from XXXX to XXXX. The business name was under XXXX XXXX XXXX and XXXX XXXX XXXX. The steps I have taken are calling companies and reporting fraud/identity theft and disputing them through XXXX XXXX or XXXX Credit Bureau XXXX To which no further action as came about calling and reporting the fraud or through disputes with the bureaus. American Express XXXX at {$32000.00} American Express XXXX at {$1200.00} XXXX XXXX Business at roughly {$3900.00} XXXX XXXX Personal at roughly {$1200.00} XXXX XXXX at roughly {$400000.00} or more.
Company Response:
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now discharged and I should have access to use my credit card. This is discrimination toward me.
Company Response:
State: IL
Zip: 61604
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: In XX/XX/2022 I was going to put money on my card and relized it had expired in XX/XX/2022 I never received new card before expiring Been american express at XXXX XXXX XXXX to get the card i never received, and all the wont is {$20.00} to expited the card in mail, I should not have to wait 7-10 days to get card or pay this fee, they are at fault, I have call numerous times to get this card, and they do not want to send it This is the first time I have had this kind of problem with getting my card I can use I have late fees on my bills because of this, insufficient charge cause card is expired When I try to speak to a higher supervisor I get put on hold for over an hour, and noone comes back to phone line These people are rude and dont care when you try to get card that was never received all they want is that {$20.00} The only contact info about contacting them is in my call history on my phone
Company Response:
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/22, called American Express at XXXX to get the payoff amount for my account. I made it clear that I wanted the payoff and not the balance due. The rep I spoke with provided me the statement balance. I explained that is not the payoff but the balance and that the payoff would include any interest accrued but not billed. The rep I was speaking with did not seem to comprehend what I was requesting and conferenced in another rep who flatly told me they could provide no other amount. I asked if this was an XXXX call center and if so to please get me to a US based representative. I was transferred to a female rep in the high balance department whose name I did not get but did confirm she was in the US. I explained my need and asked if she understood the request and she assured me that she did. She gave me a payoff of {$9900.00} which I paid and which posted that day. Apparently she didnt understand or she didnt know how to give me what I was asking for as I got a XX/XX/XXXX e-statement that reflected {$110.00} of interest due. Just interest nothing else. There should not have been any interest due based on my previous payoff payment. I called the same customer service number on XX/XX/XXXX and spoke with a gentleman whose name I did not get however I know AMEX keeps notes on these contacts. I explained the situation and after several holds, he came back and told me it was due. I disputed that and asked him if he understood the concept of a payoff. He then launched in to some XXXX explanation of interest. I explained that I should not owe interest based of my good faith effort to pay my account in full including unbilled interest which AMEX knew, and which they provided me the amount to avoid interest. I got nowhere. I do not believe I owe that money and frankly, even if I did, they should have wiped it out based on their complete inability to provide me help with a basic usual and customary financial transaction. Either Amex is deliberately misleading their customers or they have a system set up to discourage payoffs thereby increasing their interest collections. At that point I requested the payoff again and was told it was {$150.00}. I paid it on the spot. There had better be no more interest. I have stopped using the card for now until this is resolved. I want my interest money back or a full explanation to me and frankly to you as to why they could not responsibly handle this very basic transaction. What they are doing is, at best, misleading their customers or worse, breaking financial overview laws. Thank you for your time.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account # XXXX date is continuously changed to remain on my credit longer than Fed law allows. Each time I dispute the incorrect information the company moves it out even further into the future. In reference to XXXX reporting : Report # XXXX shows account will be removed XX/XX/XXXX as a result of my XX/XX/XXXX dispute. Report # XXXX also shows XX/XX/XXXX disputed then moved date to XX/XX/XXXX Report # XXXX shows XX/XX/XXXX after dispute it was changed to XX/XX/XXXX XXXX
Company Response:
State: MI
Zip: 48382
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A