Date Received: 2022-06-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit card account was closed by American Express after I filed a consumer complaint. Initial complaint took place after unsuccessful resolution in stopping some minor unauthorized charges and fees from being posting to my account. American Express did bring account to positive {$0.00} balance, but closed the account immediately without my consent. I contacted American Express and was told to file another consumer complaint if I want my account restored. So here I am : - ). Unfortunately closing this card costs me credit history in addition to unfair treatment. Any assistance would be great appreciated. Kind Regards, XXXX acct # XXXX
Company Response:
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize the hard inquiry of my credit profile.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Dear CFPB : First, thank you for the important service CFPB provides to millions of Americans and customers of US financial firms. On or about XX/XX/2022 I opened by phone a 48-month CD with American Express Bank XXXX I have been a valued client with that institution for years. Less than 24 hours later I reconsidered and quickly notified the bank that I sought to reverse. I was told that that it was not possible to change one 's decision even less than 24 hours later without paying some {$630.00}. I am writing CFPB with the request that the bank will reverse what seems a short-sighted and anti-consumer policy. The bank should re-consider for multiple reasons. Among them : 1. While I do not recall verbatim what the Amex agent said when I opened the account, I am certain that he did not *specifically* numerate in dollars the fee I would have to pay for early account closure, even less than 24 hours later. Unlike with a credit card statement that clearly shows how much interest one pays over a X number of years, Amex did not spell out the potential fee. 2. Should there not be a 24-hour period to allow a consumer to re-consider a CD opening? In *many* states a consumer can return within a certain period a product so long as they have the receipt and sometimes without a receipt. Why can't one do this with a CD, which is a financial product? 3. While a general fee policy on early CD closings was listed on the bank 's page, the FAQs are buried well below Amex 's online page, virtually at the bottom of the site. Do better Amex! 4. I have been a valued client for 8 years. Can the institution, which presumably seeks to maintain a high-quality relationship with loyal clients, provide a one-time courtesy and waive the fee? Or at least allow me to reduce the amount of the CD? 5. I was assured by XXXX that the bank would follow up with me the following week. But by late Thursday I still had not heard back either way. In no way do I seek to disparage XXXX, who was gracious and professional and who I thought listened well to my complaint. But a lack of follow-through by his superiors suggests absence of care and appreciation for customers. Again I have been a valued customer for 8 years. Why does Amex extend a draconian Scrooge-like policy in this case? On a related matter, I have been a target of well-organized harassment campaign. In some instances, bank employees ( such as at XXXX ) participate in " ruses '' or " pranks, '' which ultimately comprise acts of financial sabotage. I do not know if this is a case here but it would be interesting for middle/upper tier management to consider the possibility. Thank you for your time and attention. Best regards.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
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 have a American Express Bluebird debit card. There was a small balance on the card roughly {$30.00}. My XXXX passed. His pension plan sent out a one time death benefit. I used the American Express Checking account banking number and routing number to receive it. In Friday XX/XX/XXXX I started using the card again. The first was with XXXX XXXX XXXX. Then another at XXXX. The NEXT day, I was staying at a XXXX XXXX in XXXX. I logged into my account. There was {$2500.00} missing! I immediately called card. We tried to cancel the money service transaction. We couldn't. It was completed. I tried to cancel it obviously because I did not do it!! So, the dispute was opened. They've closed it now. So, SOMEONE somehow, went into my Bluebird account, sent money to a XXXX, someone HAD to use ID to pick it up. And I'm not being refunded. I did NOT initiate the money service. I did NOT pick it up, and have no clue who did! They have to be on camera and they had to show ID. I've authorized none of this and they won't refund monies. It was {$2500.00} on XX/XX/XXXX.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: On XX/XX/XXXX I made a reservation with AmexTravel with my American Express XXXX XXXX for a trip that was supposed to last from XX/XX/XXXX until XX/XX/XXXX. Unfortunately, on XX/XX/XXXX, I tested positive for XXXX and was unable to travel back home. I was notified by the XXXX XXXX XXXX XXXX that I was able to quarantine there as long as I paid for the stay. They told me it was okay to book through Amex XXXX again and to notify them once I made the reservation. After making a reservation for {$3000.00} I called the XXXX XXXX XXXX XXXX and they told me they did not receive the reservation. I then went back a few hours later to check for the reservation confirmation and recognized that I had booked the wrong hotel. This hotel was the XXXX XXXX XXXX in XXXX. Directly after I found out that I booked the hotel, I called Amex Travel to clarify that I had booked the wrong hotel. They told me that although the reservation was non-refundable, since the reservation was going to be canceled within 24, and that I wouldn't be staying there, they would refund the total amount. There were some discrepancies with reaching out to the hotel ; however, after 6 months, the XXXX XXXX resort told Amex Travel that it was okay to issue the refund. As I did continue my stay at the XXXX during my quarentine which was a total of {$3000.00} on top of my original payment for my original reservation, I found out that I tested negative for XXXX, 5 days into my assumed extra 10-day stay. With that, I was able to be released from quarantine and was able to cut my extra stay at the XXXX XXXX. The hotel told me that they would refund the extra part of my stay which would total {$1500.00}. The hotel refunded this amount to my card. I realized that I never received my refunded for {$3000.00} from Amex Travel. There has been 6 months of correspondence, and 6 months of representatives from American Express XXXX XXXX and Amex Travel stating that they refunded the total amount. But I have also received correspondence that they credited, and then billed back {$1500.00}, this half back to me stating that I was no longer disputing the amount which I never disputed. I disputed the total amount I also got correspondence that half of a refund for {$3000.00} has been refunded to my account but I am not being told why only half of that amount has been credited to my account. I continue to be told that my issue would be solved within 14-30 days ; however, it has been 6 months. Every time I am told that the issue has been solved, it has not been solved. In total, I should have been refunded approximately {$4500.00} from Amex Travel and I have only received {$1500.00}. I pay {$700.00} a year for this card and I should not be receiving such a hard time for a charge that vows upon excellent credit card service. I have never had an issue like this with credit cards that I pay {$0.00} a year for and this is extremely disappointing, especially since I have been charged interest for these charges over the past six months.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I pulled a copy of my credit file two months ago and see an AMEX reporting that is unknown to me. I requested validation via the mail and never received anything back. I have no records of this account and do not owe them anything. Please help
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: Credit card type, American Express Transaction Date : XX/XX/2022 Merchant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Amount : {$3600.00} I have already opened a dispute with American Express, which they denied. I then appealed their denial which they also denied. They stated that I should try and work this out with the vendor or if that is not possible with a tort claim. This vendor advertised and promised to provide a medical XXXX XXXX solution that would be safe, FDA approved and would include a lifetime supply of their medication. The product they delivered to me is not only unsafe and unusable but is also dangerous. On XX/XX/2022 XXXX XXXX XXXX XXXX administered an elective medical treatment to me in their offices. This treatment caused me to have a severe medical reaction that resulted in a medical emergency. The medical emergency was so acute that XXXX XXXX XXXX XXXX own doctor, XXXX XXXX XXXX, personally called XXXX to report the emergency and request an ambulance since I was unconscious and could not be revived. XXXX XXXX XXXX XXXX then sent their first shipment to me and informed me that they had altered the mix and concentration of their product. I then, perhaps foolishly, took their treatment for a second time. I then suffered another severe medical event. Luckily this time I was able to quickly lie down and did not lose consciousness. I then informed XXXX XXXX XXXX by text message that his treatment again caused severe medical distress and I would not be able to use XXXX XXXX XXXX XXXX product as I could not risk my health by taking medication that was obviously unsafe and could cause me to be hospitalized or worst. I also would like to point out that at this time I acknowledged to XXXX XXXX XXXX XXXX I would be willing to pay for the services received up to that point. This included the office visit which was listed at {$190.00} and the first shipment of what was to be a lifetime supply of medication. I do not know the cost of this shipment but would guess it also was a XXXX XXXX XXXXXXXX dollars at most since it was only the first one of a lifetime supply. XXXX XXXX XXXX XXXX never responded to me on this offer. XXXX XXXX XXXX XXXX did respond concerning my inability to use their medication and their proposed solution was for me to take their unsafe and dangerous medication a third time. I also want to point out that XXXX XXXX XXXX XXXX is a franchise location of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The medication is supplied by this home office and shipped to the customers that XXXX XXXX XXXX XXXX signs up. XXXX XXXX XXXX XXXX receives {$1200.00} for each new customer and the balance of the fee goes to XXXX XXXX XXXX.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: American Express offers a " pay over time '' option to their business credit card customers. This offer appears in several locations on my account page & billing area. The link describes the service and states that you must call the number on the back of the credit card to enroll. I have called several times during the year to enroll and was told that it was by invitation only and there was certain criteria that must be met to be enrolled or invited to enroll. I asked for the criteria and was told by a manager ( XXXX ID # XXXX ) that she did not know the criteria and " they '' set the criteria. I asked who " they '' were. XXXX could not provide me a department or a answer to who set the guidelines and what the guidelines were. I stated to XXXX that I had been a account holder for over 30 years, carried and have paid balances on time as high as $ XXXX. What more could the qualifications be? XXXX could not provide a answer. I stated to XXXX that I felt that I was being discriminated against and was concerned that no one could provide the qualifications or criteria that had to be met in order to be enrolled in the " pay over time option ''. The service is advertised as being a feature that could assist business owners and as a business owner I could benefit from the service. XXXX was very aware that I had complained about this before because it was in my profile. She stated that it would take 2-3 weeks or more for someone to contact me. I stated that I had complained before and never received a call back. I stated to XXXX that it was unacceptable to have a service that could benefit business owners but not have the criteria or qualifications that had to be met or no one that you could speak to about the qualifications and told it was THEY who made the decisions without stating who THEY were. I believe that American Express is deciding who to offer this service to based on race or other discriminating factors. It is unacceptable to offer a service such as this that can obviously be beneficial to a business owner but not provide any qualifications or criteria whatsoever which allows them to choose who ever they want to choose. I believe this is a very serious problem that needs to be investigated, American Express should be forced to provide the qualifications required to enroll in this service and provide that information on their website for everyone to see and not leave the approval up to a group or department that has no transparency.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX , AMEX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX a cease and desist affidavit was sent to American Express with return receipt. American Express has continued to contact me. I requested validation of the debt and I have not received a response from AMEX. AMEX has numerous violation of the FDCPA and TCPA- Telephone Consumer Protection Act of XXXX. Civil penalties listed for 36 violations of 15 USC 1692 {$36000.00}, 44 violations of {$27000.00} for a total of {$65000.00} AMEX did not have my prior written consent to call me. AMEX misrepresented a credit of XXXX as a debt. AMEX threatened to ruin my reputation by reporting late payment to credit reporting agencies. This is identity theft because they didn't have my permission to report anything on me.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A