Date Received: 2022-07-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Placing a hard inquiry on my credit report without my knowledge. There are several hard inquiries on my report that I did not approve. Also a hard inquiry showed up on my report and I did not submit any report with the company
Company Response:
State: OH
Zip: 45215
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Good afternoon, I have recently filed a dispute regarding 2 payments that were deemed late. The reason I could not make the payments on time was due to me losing my job during the covid pandemic. I called my banks and informed them of my situation and they informed me that I would get an extension for my payments. Now I have noticed that these late payments completely ruined my credit score. I have only ever made 2 late payments in my total credit history and it was due to the negative affects of Covid 19. I appreciate this help greatly.
Company Response:
State: IL
Zip: 60706
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In may I called American Express to inquire about what offer I would receive if I were to upgrade my American Express delta XXXX card to the reserve card. The person I spoke to on the recorded conversation struggled with explaining the upgrade process and explaining any terms and conditions, but from what I understood, if I upgraded I would receive a promotional offer of XXXX miles so I said yes to upgrading my current account. A few days later I receive a new credit card on a completely new account. I call back to find out what happened and apparently the representative have instead of upgrading my current account, opened w completely new account without my knowledge. Any explanation he had given on the phone was not something an average person would comprehend and I was shocked to find a new account opened in my name without my permission, I now had XXXX XXXX Amex cards each with their own separate yearly fee. I called in to resolve this miscommunication and the options I was given were to cancel the new account which would affect my credit score, or downgrade my current card to a free yearly fee card and keep my new account card with its yearly fee. I agreed to keep the new, wrongly created account with its signing bonus, but at that time when I was accepting the new account I brought it to the representatives attention that I had an offer for XXXX miles and XXXX mqms. The representative agreed they would apply that welcome offer to my card and proceeded to downgrade my other one. I ended up only getting the original offer and not the offer That was agreed upon for opening up an account without my knowledge. Fast forward 2 months and countless calls later American Express still refuses to give me the remaining portion of the offer that was agreed upon of XXXX more miles and XXXX mqms. I have called many times and now have to resort to filing a complaint.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am disputing {$13000.00} of fraudulent charges on my American Express card. I contacted American Express back in XXXX of XXXX and told them the charges were fraudulent. I reported this to the police. I told American Express who used the card without authorization. I got an American Express card because I was told there was fraud protection. The card never left my possession nor did I give out the card. American Express continues to deny my claim and I don't know what else to do. I have been dealing with this for months. I even emailed the CEO of American Express. They are now reporting me to credit bureaus and my XXXX score has been reduced. I have always had outstanding credit and never had a dispute like this with any credit card company or mortgage lender. Please help me.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Attempted to withdraw funds from ATM. Machine did not dispense funds. Money was still debited from my account and has not been returned. Company has not done a timely investigation or made attempts to return the money to my account.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Got a letter from American Express dated XX/XX/2022, reference number : XXXX Stated they need more information for a XXXX Card that I did not apply for. I called American Express to discuss the fraudulent application and they stated the fraud department was currently closed.
Company Response:
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Several times throughout the year I go on and off of XXXX XXXX due to my position and specialty in the service. Under the Servicemembers Civil Relief Act ( SCRA ) Title 50 USC I am entitled to a cap of interest at the rate of 6 % per year. I have been requesting this relief from American Express ( AMEX ) for two years now and AMEX has denied every claim I have requested or AMEX has arbitrarily closed out my request and started a new request to extend their timeline on when they need to answer or reduce my interest rate. American Express has stated that they checked the system and did not see me on XXXX XXXX so will not be applying SCRA benefits. However, XXXX that enter XXXX XXXX rarely ever get put into the XXXX XXXX XXXX XXXX ( XXXX ) which is the system they stated they utilize. Title 50 USC 3937 ( b ) ( 1 ) ( i ) clearly stated that a service member can provide military orders, which I have done in the case, and Title 50 USC 3937 ( b ) ( B ) ( i ) states that a creditor may utilize the XXXX in lieu of orders however it does not grant American Express the ability or right to discard orders provided where the service-member is not in the XXXX.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received alerts that an American Express credit card was opened in my name on XX/XX/2022.
Company Response:
State: TX
Zip: 795XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Due to theft and act of fraud by persons being investigated whom accessed account after stealing my debit card, I immediately contact American Express Serve to cancel my card. After doing so, my funds was locked and I had no way to make withdrawals on declined transactions were ongoing when making oayment with bank routinb and account number. My card was expedited but due issues that thr company fail to investigate and refuses to acknowledge, this has left thr access to my accou nt unsecured likely due to the inteference by these individuals who are responsible for the theft of my identity and are being currently pursued crriminally. Having no access to my account has cause multiple unauthorized transactions and pending transactions, it has led to the compromise of the debt card PIN security feature and seem to be used as a frature that allows the card holder to enter my phone banking. Transfers can be made with attempts have been notices. The continuous changing of my email per notifications from the institution, allowing smaller unauthorized activity and the routing of notifications and statments to be routed as my account is under absolute compromise without any support, remedy, or corrective action from the Financial Institution.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My name is XXXX XXXX, I am an Amex platinum card holder and have been an Amex customer for XXXX years. On XX/XX/XXXX I booked XXXX business class tickets with Amex Travel to XXXX and XXXX for {$9800.00} ; Record Locator : XXXX. The agent that helped me with the ticket made some errors by voiding one of the possible tickets a day later because of which XXXX XXXX apparently canceled my ticket on XX/XX/XXXX ; I missed the email ( no one from AMEX travel cared to call me ) and noticed it on XX/XX/XXXX. I called up Amex travel to find out what happened, after a long time of trying to find out the problem ; they realized their mistake. I was asked to call back the next day so that someone can contact the airline ; I booked a new ticket because I can't cancel the family trip ( a regular economy class this time ). I called back the next day and after several hours of waiting and transfers ; I was told that they can not refund my money till the airline refunds the money which may take 1-2 billing cycles + I may have to pay {$400.00} which they have requested as a complaint given that it was Amex System issue. I was told that I can call the dispute department to get my money back while the investigation and refund is processed. Amex dispute department told me that they can not open a dispute against Amex AND that Amex travel should be able to fix it. I called Amex travel again and after several hours requested to be transferred to the supervisor- who basically told me that He doesn't care. The credit card company is keeping {$10000.00} of my money for a product they canceled and caused an immense inconvenience to me. Why should I be charged XXXX for 2 months for a good or service that was canceled by the vendor/ service provider ( XXXX XXXX ) because of a mistake of the middleman ( Amex travel ). Imagine how unreasonable it is that Amex 's dispute process ( which I have gone thru for a third-party travel agent ) puts the money back in my account so that I do not have to pay for a wrong charge during the investigation BUT when their own travel departments makes a mistake ; I am expected to wait for 2-3 billing cycles ( upto 90 days ) to get my own money back. $ XXXX is not a small amount of money. I hope CFPB will help me get the money back but would also charge a penalty from Amex for this misconduct. Thanks XXXX XXXX
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A