Date Received: 2022-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone used my identity and applied for American Express and XXXX credit cards, The one used my identity keep paying monthly payments and all of a sudden he didn't pay at all. Creditors have been writing letter to me to pay but i didn't pay because this is not my credit cards. I called credit bureaus and reported what happen and file a dispute of these charge offs on my credit report. If AMEX and XXXX can not provide a signature from me during application of these credit cards i need this to be deleted ASAP!
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I attempted to make a transfer from my savings account, XXXX to a verified external bank account. The transaction was cancelled by American Express National Bank. They asked me to fax over account details confirming the external account ... which had already been done online. I faxed the details. I even added my credit union account as a backup. Now I am unable to utilize my funds at all as there is some sort of hold on them. These funds are needed immediately and to not be able to use them nor have been advised of this hold is not good. I need the hold removed so I can move forward with my transactions.
Company Response:
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Acceptances by AMERICAN EXPRESS on account number ending in XXXX Certificate Of Non-Response : I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. On the date of XX/XX/2022, AMERICAN EXPRESS at XXXX XXXX XXXX XXXX, NJ XXXX received a remittance/coupon payment via United States Postal Service Priority Mail and a AMERICAN EXRESS agent signed for the payment as verified by Certificate Of Service . After acceptance of mailing, AMERICAN EXPRESS refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. AMERICAN EXPRESS did not send my payment back to me within 3 business days and kept it for their own gain. AMERICAN EXPRESS did not cure their dishonor. AMERICAN EXPRESS gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. Despite the numerous phone calls to multiple AMERICAN EXPRESS departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office , Collections Department XXXX about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; AMERICAN EXPRESS has willingly and knowingly been non compliant and has ignored federal law. Sources : Bills Of Exchange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I signed up for " Pay Over Time '' with an offer to earn 20,000 membership rewards points for doing so, but the 20,000 points were never awarded to my account ( see attached screenshots ). I XXXX this with the company on approximately XX/XX/2022 and they said they were unable to find record of this promotion on my account. They owe me XXXX membership rewards points.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been harassed, violated, lied to and a victim of fraud by American Express. I have tried and tried to get this matter handled and they have done nothing but deceive me. On or around XX/XX/XXXX, I sent American Express a third communication attempt via XXXX registered mail asking them to via debt on three business accounts which they were threatening to report on my consumer credit file. Not only did they not validate either of the three accounts still to this day. They sent me email correspondence saying that they wouldn't report the accounts to personal consumer report, and they would cease and desist with any further collection activity and communication. They lied. Today is now XX/XX/XXXX, and they have now been reporting these accounts to my consumer report for months damaging my consumer credit report and reputation. In doing this they have cased personal damage to me and have committed fraud against me along with countless other violations. Violating me as a consumer, an original creditor, and man of live flesh and blood. I have also sent them several other letters in connection with these accounts and have completed an administrative process. All correspondence has been sent to then XXXX registered mail with return receipt, showing they have received it. In commerce silence is agreeance and they are in dishonor. This is my last chance to get this rectify this issue before moving forward with a lawsuit. I am attaching several different communications between myself and American Express. ( All communication not provided ) Herer are some of the violations listed below. 15 USC 78 ff 15 USC 1611 15 USC 1692 15 USC 1692 ( c ) 15 USC 1692 ( e ) 15 USC 1692 ( g ) 15 USC 1692 ( k ) 18 USC 242 18 USC 1001 18 USC 1002 18 USC 242 42 USC 1983 42 USC 1985 ( 1 ) 42 USC 1985 ( 2 ) 42 USC 1985 ( 3 ) 42 USC 1986
Company Response:
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received and accepted an offer by email on XX/XX/2021 in regards to my American Express XXXX XXXX card, which stated terms of additional cash back totaling 5 percent back on all purchases ( 4 percent in addition to the standard 1 percent ) on up to XXXX in purchases until XX/XX/2021. I, therefore, made an effort to make purchases on that card specifically, due to the rewarding nature of this offer relative to my other credit cards. I succeeded in maximizing the XXXX spend, which was supposed to earn me {$500.00} in reward value. When I didn't get any bonus, I reached out in XXXX of this year to inquire, only to be told to wait 8-12 weeks. I reached out again in XXXX, and ultimately was told by representatives of American express that such an offer never existed, despite my having received an email stating that clearly. After a number of back and forth discussions I've essentially been ignored for months despite having sent the proof to the company, whose representatives have not responded, except after hours of trying to get in contact with them, tell me to wait another 2 months every time I reach out. I maintain that not only has American Express withheld the reward owed to me, but they did not even make a good faith effort to look into or rectify the situation. I have attached a download of the email which I refer to.
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I agreed to a resolution regarding a disputed American Express account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of American Express. The XXXX XXXX representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by XXXX XXXX from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative. The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not. I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but XXXX XXXX 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further. I expect American Express to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, American Express ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: American Express allowed 2 prepaid credit cards to be opened with my name, SS and DOB, the address, email and cell phone were different. I have been an active member in good standing with AMEX since 1997. The person used the cards to open up fake companies and commit fraud. These were brought to my attention because I was brought into a lawsuit for over {$2.00} XXXX. These cards should have never been opened, this is fraud that is simple to detect and AMEX should have picked it up if they had simple compliance controls in place. AMEX never notified me the cards were opened, I am on the website several times a month, no activity ever showed up. It cost me over {$40000.00} in legal fees and I have asked AMEX to reimburse my expenses, they have offered me {$5000.00}.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a XXXX Amex XXXX and XXXX Amex XXXX card. The XXXX card has a promotion of XXXX XXXX points after you spend {$3000.00} the first three months. I met the minimum spend of the {$3000.00} the very first month and they did not award me any of the XXXX skymiles points. The XXXX card had a sign up promotion of XXXX points after spending {$2000.00} the first three months. I met the minimum spend of the {$2000.00} the very first month and they did not award me any of the XXXX skymiles bonus points. I contacted them and they told me that if I had previously stopped using any of the cards that I had with Amex in the past they would not honor their promotional deal. This is unfair and false advertising to lure people into applying for their credit cards to get us to use their credit cards. We the consumer normally use these credit cards in case of emergencies only and not for everyday purchases.
Company Response:
State: MN
Zip: 55128
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: For some reason or another this XXXX has left me in a very disrespected and confused position. They removed normal access items from my dashboard ; I can not request a credit limit increase, I can not adjust account notifications, I have not once in almost 2 years received any type of limit increase. This is very frustrating as it is amongst my only credit cards with a fee, it is the XXXX longest tenured, and by far my lowest available limit. For example, these are my limits with my other credit accounts ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a few business accounts as well. Every account I own is in great standing, great payment history, and always paid in full. They have refused to respect and acknowledge me as a high value, high credit score, and high income consumer but rather the exact opposite. I've reached out several times to receive transparent communication to what seems to hold the growth of my account back only to hear responses like, '' I'm sorry, you should be eligible '', " Your account history is incredible '', and much more. If I'm not wanted as a customer, then don't approve me, but don't hinder my financial growth and scores because of whatever system bias is in place.
Company Response:
State: TX
Zip: 77327
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A