Date Received: 2022-07-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Claim by Private Right of Action Notice, it is a Fact, that, I, XXXX XXXX, a protected consumer, affiant, received a written communication ( hereafter Letter ), dated XX/XX/2022, addressed from American Express - XXXX XXXX XXXX - XXXX XXXX, FL XXXX americanexpress.com and American Express National Bank ( Hereafter AMEX ). Notice, it is a Fact, that, this Letter further states, on page one ( 1 ) ; We wanted to let you know that we have assigned a Preset Spending Limit of {$1000.00} to your account. Reason ( s ) for Our Decision We reviewed several pieces of information when making this decision, including your history with us. We made this decision for the following reason ( s ) : We have identified charge activity on your account that was submitted by a merchant with which you are associated. We believe no goods or services were rendered by the merchant in connection with this charge activity. Notice, it is a Fact, that, this Letter further states, on page two ( 2 ) ; Important legal notice : Effective immediately, we are changing the terms of your Cardmember Agreement and have assigned a Preset Spending Limit on your Account in the amount noted above. Accordingly, the paragraph of the Using the Card section of that Agreement that begins with " We decide whether to approve a charge '' changed to the following. This Account has a Preset Spending Limit disclosed to you in a letter and on your monthly statement. If at any time your total balance exceeds this Preset Spending Limit, we are more likely to decline to authorize your charges. We may approve charges that cause your total balance to exceed the Preset Spending Limit. If we do, you must still pay us for those charges. We may also decline to authorize charges, even if they do not cause your total balance to exceed the Preset Spending Limit. We decide whether to approve a charge based on how you spend and pay on this Account and other accounts you have with us and our affiliates. We also consider your credit history and your personal resources that we know about. We may change the Preset Spending Limit at any time. This change will remain in effect until we notify you that it is no longer in effect. Notice, it is a Fact, that, I, a protected consumer, exercising my rights under 15 U.S.C. 1691 ( a ) ( 3 ) am subject to adverse action and unfair and deceptive practices by AMEX on XX/XX/2022 resulting in the severe limiting of my account, available credit, charging ability and account usage from a spending limit of {$17000.00} to {$1000.00}, a restriction of 17000 % in violation of 15 U.S.C. 1691 and also a violation of Equal Credit Opportunity Act 701 ( d ) ( 6 ) and also a billing error in accordance with 12 CFR 1026.13. Notice, it is a Fact, that, I, a protected consumer, wrote a notarized dispute letter to AMEX, on XX/XX/2022, in strong disapproval of the proposed changes and the demand that my account be returned to its original state prior to the implemented changes in violation of 15 U.S.C. 1691 ( d ) ( 6 ) ]. Notice, it is a Fact, that, I, a protected consumer, confirmed delivery of my dispute letter to AMEX, on XX/XX/2022 by USPS Tracking number XXXX. Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed there is NO FACT or TRANSACTION that caused the restrictions to be placed on my account. Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed a pattern of previous transactions of the same type were approved in the past. Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed my account has always been in good standing and never incurred an issue of concern by AMEX. Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed there was no clear and conspicuous language of a policy or terms in place that was violated or broken as a result of using the card ; instead, XXXX is making up their own terms at their discretion, without prior notice to account holders and card members in clear violation of 15 U.S.C. 1125. Notice, it is a Fact, that, I, a protected consumer, made no transaction in accordance with Title 15 Chapter 41 1603. Notice, it is a Fact, that, AMEX acted in violation of 15 U.S. Code 1611 ( 3 ) described herein and owing {$5000.00} per violation. Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and I verbally expressed a strong belief that based on the lack of evidence to support the restrictions on my account, I believe I am being discriminated against in violation of 12 CFR 1002.4 and a violation of Equal Credit Opportunity Act 701 ( a ) ( 3 ). Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed by silence, no dispute to my claim of discrimination exists in further violation of 12 CFR 1002.4.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Incorrect Information, Dates, Amounts, and Address, Payments
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2022 I am writing to have American Express change their default email regarding payment due. They have many alerts and options once you call to complain, however there default is to email you a payment due email after your due date so you are charged XXXX late fees. The email is not sent on or before but after and it states your payment is due. It should say it is past due. I called and they did walk me through the process to change the alert to 5 days before, however this should be the standard. How many people pay late fees because they are notified AFTER? Their statement do come in your email however, when you have 5 email and receive many emails a day for business, you see the statement but may not have time to open it to see when it is due. A simple text or email stating the due date BEFORE it is due should be the default and would save many people a the XXXX late fee. Thanks
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2022, I set up a new payee on Serve Bill Pay service an initiated a bill payment for {$120.00}. During that process I was informed payment would be paid by check thar would arrive by XXXX/XXXX/3022. XXXX came and went and the check was not received by merchant. The same was true for XXXX - XXXX, so I contacted Serve again and I was told they couldn't do anything until XXXX. At this point the merchant requested alternate payment method, the so we paid merchant via XXXX XXXX and the funds were in their bank within minutes. On XXXX, the merchant received paper check from XXXX XXXX XXXX XXXX. They had already been paid so they returned the check to us via XXXX and we received check on XX/XX/2022. We endorsed check 'Not used for intended purpose. ', signed check and submitted it for XXXX XXXX with our bank, XXXX, and on XX/XX/2022. XX/XX/2022, We received notice that deposit was not accepted because our name was not the Payee. My name is on the check in the upper right corner where the account name would appear. XX/XX/2022 Contacted Serve and requested they cancel payment and return funds ( {$120.00} ) to my Serve account. This time I was told to wait another 7 days and then the could cancel payment and return funds to my account. XX/XX/2022 XXXX XXXX Customer Service and after being transferred several times the call was dropped and I still don't have the money on my account. XX/XX/2022 XXXX XXXX Customer Service and this time I was told the payment could not be voided or canceled as it was in their Dispute Department so he would cancel dispute and I should call again in two more days. XX/XX/2022 XXXX XXXX Customer Service and I was told that I could go online or in the Mobile App and cancel payment. I am tried both and neither had a cancel button. XX/XX/2022 XXXX XXXX Customer Service again. This time the agent wanted to send me back to XXXX Department which could take another 10 days. I requested to speak to a supervisor. They placed on hold and eventually told me someone would call me within XXXX minutes and the confirmed my contact number. XX/XX/2022 No calls from Serve and the {$120.00} has not been returned. I have call logs from XXXX and XXXX showing XXXX phone calls to Serve Customer Service for a total of XXXX Hrs and XXXX Min. and I still don't have my money. I don't know what's going on but American Express should know how to void a bill payment and return the funds to their legal owner and it should not take weeks and require XXXX phone calls. I have the check and could send it to them if need be. There is no reason they should be able to hold my funds in limbo without paying interest or late fees. Please help me to get this resolved. I don't know if I can deal with another call to Serve Customer Service. I hope that you can help prevent others from going through this nightmare. I have call logs and more details if necessary.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize a hard pull on my credit profile.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
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: Im writing this complaint since I have no other way to solve problem with XXXX. The problem is following : On XX/XX/2021, I made a transaction with XXXXXXXX XXXX XXXX for {$8800.00}. However, I never received the order in full. I got 5 % of the order and most of them are damage during shipping. The product I order is hardwood flooring and vinyl so I can remodel my house. I tried to contact XXXXXXXX XXXX XXXXXXXX but can not solve the problem. At first they told me to return the damage items to the store to get the refund. I told them I can't bring them to the store since they are oversized and heavy. They told me to send them photos, I sent them and they told me to throw it away, recycle it. They promised to give me full refund on one email ( attached ). However, they never processed the refund. I made a dispute with American Express XXXX XXXX ). Since its a credit card, I should not be liable for this type of charge. American Express resolved the case in my favor at first and eventually reversed the credit for no reason. Now they say that they can not continuous the dispute because of the time frame ( XXXXXXXX XXXX XXXXXXXX always try to delay the response ). Despite that fact that all the information are clear. Please help me get the refund back.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I received a notice in my last ( XX/XX/2022 ) statement that my interest rate was being increased by 6 % effective with all purchases after XX/XX/2022, due to my credit score. I checked my score on their site and it was XXXX or " good '' and has not changed significantly up or down in the past few months. I have never missed a payment on this card or any other account, for that matter. This action, in my opinion, is UNFAIR and ABUSIVE under UDAAP standards.
Company Response:
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express lied to me about their Credit Reporting Process. I contacted American Express prior to my payment due date of XX/XX/2022. I informed them that my XXXX Tax return was still being processed and I was waiting for a large refund check. I discussed my account options with them and informed them that I would not be able to make the payment by the original due date. I discussed several options with the representative and was informed that as long as I made the payment prior to XXXX nothing would be reported to the credit bureaus. The agent said that as long as it is not more than 60 days past the original due date, everything would be fine. I specifically asked, " So as long as I pay prior to XX/XX/2022, nothing will be reported? '' and was told " Yes-as long as you pay prior to XX/XX/2022 we will not report anything to the credit bureaus. '' I asked multiple times and asked if they were " 100 % sure '' that was correct and they assured me that yes that was their policy. I have been with American Express for XXXX years and I trusted them. Well, to my shock, American Express did the complete opposite of what they promised me and reported me to the credit bureau in XXXX. I paid the balance prior to the XX/XX/XXXX date that was communicated to me by American Express and they still did not follow their policy. I spoke with American Express after the derogatory mark was added to my credit report and they have now changed their story. They are stating that the agent I spoke with was wrong. I asked them to investigate and was told they would file an internal complaint and listen to the recorded phone call to verify my story. I called back a few weeks later asking for an update and none was on file. The agent filed a second internal complaint with supposedly a higher priority for them to investigate on XXXX. I should not be penalized for following the direction of American Express. This is an unfair and predatory business practice to provide information to your customers and then go behind their back and do something different and deny the whole thing. I took the time to contact American Express proactively to discuss my options and when I follow American Express 's direction I am penalized.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Account was opened on XX/XX/XXXX Terms of promotion are Card Members who apply through this offer and are approved for the XXXX XXXX XXXX can earn XXXX Membership Rewards points after spending {$15000.00} in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership starting from the date of account is approved. Eligible purchases is defined in XXXX & XXXX 's as " Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. '' No purchases outlined below fall outside eligible purchases categorization. In my first 92 days I spent {$16000.00}, saw {$690.00} in fees, had {$87.00} of returns, had credits/offers of {$260.00} - XX/XX/XXXX statement - {$8800.00} spend, {$690.00} fees, {$0.00} returns, {$0.00} credits/offers - XX/XX/XXXX statement - {$6700.00} spend, {$0.00} in fees, {$9.00} returns, {$250.00} in credits/offers - XX/XX/XXXX statement - {$950.00} spend, {$0.00} in fees, {$78.00} returns, {$0.00} in credits/offers - Between XX/XX/XXXX and XXXX - {$170.00} spend, {$0.00} fees, {$0.00} returns, {$15.00} in credits/offers I contacted AMEX on four occasions via chat to inquire about enforcement of this promotion on : - XX/XX/XXXX - inquired about having satisfied the welcome bonus. Was advised " I can see that you have met the spending threshold and bonus points will be automatically credited as per the offer terms. '' - XXXX - was told " I am opening an investigation on the account, so that our backend team will review details an update spending towards welcome bonus offer ''. Escalated and was told I would be contacted in XXXX days. - XX/XX/XXXX - was told " It is a known issue, the offer is not showing but you are eligible for the welcome bonus ''. " Our team is working on the issue. '' - XX/XX/XXXX - was told " the status of the bonus is not available on our end but I akready created a case for escalation, so we can follow up on this. '' Additionally, I had contacted AMEX by phone once in XXXX where I was informed there is a nondescript issue with bonus offers and all should be resolved by end of month, provided an escalated case number, etc. As I am planning travel in XXXX, and a factor in securing this card and spending nearly $ XXXX was to leverage AMEX points for this travel. Attached are my statements evidencing over $ XXXX in purchase transactions within offer terms.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have two separate AMEX accounts ( AMEX XXXX and AMEX XXXX ). On or around XX/XX/XXXX, for my AMEX XXXX XXXX, I signed up for " Pay Over Time '' with an offer to earn XXXX membership rewards points for doing so. These XXXX points were awarded to my account. Previously on XX/XX/XXXX, for my AMEX XXXX card, I had also separately signed up for " Pay Over Time '' with an additional offer to earn an additional XXXX membership rewards points for doing so, but never received the XXXX points. I rose this with the company on XX/XX/XXXX, XXXX they said it would take1-2 weeks to resolve the issue, but never resolved the issue or contacted me with a response. I then submitted an CFPB complaint, and in their response they stated they had already paid me the XXXX membership rewards in question, but this XXXX was for my AMEX XXXX card as stated in the letter. They completely ignored the fact that I also applied an offer for XXXX on my AMEX XXXX card. The terms say " only one offer per Card account '' but I have two separate cards. In order words, in total, they should have paid me XXXX points for the two pay over time offers, but they only paid me XXXX membership rewards points for one of the offers. Therefore, they owe me an additional XXXX membership rewards points specifically for my AMEX XXXX card. See screenshots of the two offers and two confirmations for both cards.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A