Date Received: 2022-06-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express attempting to collect during an active reinvestigation, using various mediums, email and text. This was included in the Cease and Desist and the Debt Validation to not collect during this process, and to stop communication ( harassment ) during this process. See attached invoice and exhibits.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I believe the practices of XXXX AMEX are unfair and unbalanced ( race plays a role in offering and credit limit practices ). I have been a member and have never had a late payment. In fact, I pay my credit card bill headed of time. My credit score is above 770 and I continue to have problems when asking for a credit increase. I recently asked for a credit increase from {$5000.00} to {$8.00}. They use an excuse of credit score and past due items. There are two practices being untaken by those who are reviewing the information 1. They're using old data and the information is not current and/or 2. they are Discriminating based on age, sex, and race. In-fact I believe the race factor plays a role I have a friend who has the same credit card with a credit score of " XXXX '' and he has a credit limit of {$10000.00} dollars. He is also a white male. He is the same friend who referred me to get the XXXX AMEX XXXX card. Moreover, I have less debt or zero debt on my credit report and he has used about 30 % of his lines of credit with his credit card providers. The only answer I receive when applying for a credit line is either the data their referring to is old or there is a practice of Racial Profiling when increasing credit limits.. This NEEDS TO BE FULLY INVESTIGATED including the interest rates that are given to members based on their " score '', business type, " race '' and business location. All or any of these ACTs are a direct violation of the Federal Code.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2022 XXXX applied for a American Express card. Card promotional materials as well as Card review sites that were sponsored by company advertised that card had instant account access via XXXX XXXX and a Virtual number. This was not the case after signing up for the card. None of this information was available and when calling customer support they said this was contingent on pre-approval for feature. This is despite the card itself being advertised as an instant cash card with instant use. Customer service hung up on me after I confronted them on this and refused to cancel card.
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was invited to apply for an American Express XXXX XXXX XXXX by mail. I contacted a representative to explain my financial history. I did suffer through the financial meltdown in XXXX. Now that 10 years have passed, I've been able to manage reasonably good credit so my chances of getting approved for an AMEX card seemed to be good. The representative said the only way to know is to apply. I applied for the American Express XXXX XXXX XXXX with the help of the agent, however, I was rejected. Then on XX/XX/XXXX, I received a letter from American Express informing me that they can not approve my application at this time because American Express cancelled my previous account ( s ). I contacted American Express at XXXX for an explanation. The agent said American Express cancelled my account back in XX/XX/XXXX. I asked for proof and they said they can't provide any proof. I requested this information be removed from my profile and the agent said it is not possible. I have a right to see proof of American Express cancelling my account and the reason why they cancelled my account. As I mentioned, the financial meltdown caused massive pain and suffering. I believe I made the request to cancel my account not American Express. I've attached the rejection letter for your review.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I bought {$60.00} of stamps from USPS. USPS stamp store says delivery was made on XX/XX/XXXX. They were not delivered. The Manager of Customer Service ( XXXX XXXX XXXX ) for USPS XXXX confirms this and said according to the USPS tracking number the stamps were delivered to another address. Amex first credited me with {$60.00} and then reversed this. Two times I wrote XXXX XXXX, chief legal officer, explained this and gave her XXXX ' contact information to confirm what said. She has refused to respond. I emailed XXXX XXXX XXXXXXXX and explained in detail again and asked to not be called but emailed. A XXXX XXXX from " executive office '' called and left a message. I left word to not call, but email, and to read the XXXX letters first. She again called back, asked me to take my time to explain everything, had not read the letters, and refused to contact XXXX to believe what I said. I told her to deal with me only in writing. The following day she against harrased me and called and left a message. I am XXXX XXXX XXXX and this is elder abuse. I have a more specific step-by-step outline I can email you. Amex believes USPS which gave them wrong information rather than a customer of 56 years with proof of USPS failure. I want Amex to stop harassing me and credit me {$60.00}.
Company Response:
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: UPDATED INFORMATION** I was discriminated against in this consumer credit transaction. This willfill action was adverse to the interests of me the consumer. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. For purposes of 1691 ( d ) ( 6 ) subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. How can i be denied the use of my credit. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction provided the applicant has the capacity to contract. i hope to resolve this matter of discrimination as soon as possible. I already sent American Express with a cease and desist which they violated as well. If you can prove American Express that you are not discrimination or i will have to pursue this matter though litigation as the Federal law suggests. CFPB Ref No : XXXX Ref : XXXX Reference Number XXXX
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the top tier American Express Delta Sky Miles Credit Card, for which I pay {$550.00} per year. Among the benefits advertised and contracted are free TSA precheck membership and discounted Clear membership. I recently enrolled for both and was not issued a refund/credit. I had the same problem last year and was told that it should be automatic when I enroll through the company/agency that issues the membership. I called customer service and was given a nonsense excuse for why it had not been credited. I have now called 3 times and gotten nowhere. I tried to dispute the charge for the Amex membership given that the contracted services were not provided, but I got transferred to another line that no one picked up.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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: NOTE : This was the closest category I could use. It does not accurately describe the issue. Regarding American Express account XXXX. The XXXX year end summary provided me has a negative balance in the amount $ ( XXXX ). In XXXX there were charges totaling {$1100.00}. American Express therefore owes me {$310.00}. I have spoken to associates, supervisors, and even their executive office. They acknowledge the issue. However, they do NOTHING but send me statement copies from XXXX AND bills with new late charges. More than one supervisor has stated that they would audit my account and provide the results to me. This has not happened, and is really a moot point. They could go back to the day the account was opened XXXX XXXX ago, and audit every month. On XX/XX/XXXX, the balance would still be negative {$1400.00}, and they would still owe me {$310.00}. Despite this, and despite having a dispute against they balance they THINK I owe, I have been subjected to threatening collections emails and phone calls. As noted, and as a last resort, I contacted their executive offices. Initially I was told that reoslution would come in three business days. The next business day, someone emailed and stated that they would contact me in four more days. On the fourth day, at the end of the day, that person emailed and stated she was not finished investigating and would be in touch " when more information was available. '' Since then I have received yet another bill, with yet another late charge. I have repeatedly told American Express that they need to send the money they owe me. I have emailed the " executive office '' person several times and stated this. All they do is ignore me. I believe that two things are clear : ( 1 ) American Express owes me money and ( 2 ) American Express is engaged in unfair ( and possibly illegal ) collections practices. Of course I have to wonder how many thousands of others American Express owes money to. I will attach the XXXX year end statement, downloaded from the American Express website. If you total the CHARGE column ( Column E, the result will be XXXX. I have also attached a screen print, taken from the American Express website today, showing charges of {$1100.00} Please advise as to what you can do to get me my money and to stop the collections. Thank you.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: American Express has closed out multiple CFPB complaints without resoving the issue involving me not receiving statements. I have filed a complaint based upon credit discrimination and XXXX discrimination with DoJ. I notified American Express on XXXX XX/XX/2022 by e-mailing : XXXX, which appears to be an e-mail address for American Express XXXX XXXX. XXXX XXXX acknowledged receipt of the e-mail on XXXX XX/XX/2022 and stated they were " forwarding my request '' to the appropriate department. '' A copy of the e-mail and response is attaced.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Advertising
Subissue: Confusing or misleading advertising about the card
Consumer Complaint: Dear someone who may concern I applied America Express Hilton Honors Surpass Card in XX/XX/2022. According to the advertisement I can earn XXXX Hilton Honors bonus points after I spend {$2000.00} in purchases on the card in the first three months of card membership. My friend referred me and I applied this card online with him together. The entire application process is so smooth and I get my card information directly after file my information. There is no pop up or any notification during entire application. My friend can prove it. Then I get my physical card 5 days later. I made almost purchase or payment by using this card to fulfill the welcome offer as early as possible. America Express charged me annual fee in XX/XX/XXXX. And I achieved the all requirements in XX/XX/2022 to get the welcome offer. But I haven't received any offer rewards until now. Last week I reached out the customer service. They said I am not eligible to get welcome offer. However I haven't received any notification about " I am not eligible of offers '' from any forms. I contacted America Express customer service multiple times. First time, their excuse is I used a function of my other card. Actually I haven't use this function anytime. Second time, their excuse is I already got welcome offer from my first and only Amex card called Blue cash prefer card. But this is unreasonable since these two card is unrelated. And they didn't clarify this is only for first applicant when I am applying. They used different unreasonable excuses and even clarify this is Non-Amex fault to avoid their responsibilities. I logically think this action is FALSE PROMOTION and violate the transparence between Financial Companies and Customers. I request America Express provide me the Welcome offer. Thank you. Regards XXXX XXXX
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A