Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent a letter on XXXX XXXX, XXXX to remove the unverifiable items that is UNKNOWN to me. I called XXXX and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX , and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
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: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: In XXXX of XXXX I reviewed my American Express Serve statement and noticed some unauthorized cash pick-ups. I went all the way back to XX/XX/XXXX, and noticed several more thefts. My account was hacked and repeatedly stolen from. Because I had healthy balances I did not check my statements every month. There were XXXX transactions that all took place in XXXX, XXXX. I have not been to XXXX since XXXX and have no connections there. Here is the initial list : XXXX. XX/XX/XXXX - {$700.00} XXXX. XX/XX/XXXX, " - {$300.00} XXXX. XX/XX/XXXX " - {$800.00} XXXX. XX/XX/XXXX, " - {$1000.00} XXXX. XX/XX/XXXX, " - {$1200.00} XXXX. XX/XX/XXXX, " - {$800.00} XXXX. XX/XX/XXXX, " {$800.00} XXXX. XX/XX/XXXX, " - {$1400.00} XXXX. XX/XX/XXXX - {$1900.00} XXXX. XX/XX/XXXX, " - {$1000.00} I called American EXpress Serve Customer Service. I canceled the card and reported the theft. They sent me an email stating : " Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. You have the right to review any documents we relied upon in making our determination. You may request this information by writing to us at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks, The XXXX XXXX I wrote them requesting the documents they relied on to make their decision and received nothing. On XX/XX/XXXX, I reviewed my statements and noticed more theft. XXXX. XX/XX/XXXX, - {$1500.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$700.00} XXXX. XX/XX/XXXX, - {$550.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$900.00} All totaled {$18000.00} was stolen. Amex XXXX has done nothing for me. When I called them this time I was transferred to the Fraud Dept. I spent XXXX mins on the phone going through the listed thefts with a rep. They sent me another email still stating that " no error occurred '', and that the transactions were authorized. This is wrong!!!!! I need Help Please
Company Response:
State: MI
Zip: 490XX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was an American Express Delta Reserve cardholder for XXXX years. When COVID hit, I chose to cancel the card prior to XXXX renewal, due to its high annual {$550.00} fee and a decline in personal travel. A key benefit associated with this card is the issuance of a " Companion Certificate '' each year, which is supposed to be able to be used to cover the cost of one fare when traveling with a companion. There is a key caveat to one 's eligibility to use the certificate, in the XXXX XXXX XXXX : " Tickets are only available in I and Z classes of service for First Class travel, and only available in L, U, T, X, and V classes of service for Main Cabin travel. For XXXX XXXX XXXX, tickets are available in W and S classes of service, but only when L, U, T, X, or V classes of service are available in the Main Cabin. '' I recently tried to book a W class ( Comfort + ) ticket using my Certificate for a flight from XXXX to XXXX in approx. XXXX months, but was unable to, as there apparently were no Main Cabin fare in the right fare classes available. I contacted XXXX on XX/XX/XXXX, and was told that the system will not even let them use Companion Certificates if the fare classes are not available. Only tickets that cost + $ XXXX in XXXX XXXX were available. In fact, availability was so scarce on XXXX to XXXX flights that the agent was only able to find one flight, midday on XX/XX/XXXX, where I could use my Certificate. Out of curiosity, I then tried to use my Certificates for flights XXXX XXXX XXXX in one month, and there was no availability. I tried to find flights in four months to XXXX, and five months to XXXX, and similarly found no availability. I was transferred to a supervisor, who informed me that there was nothing XXXX could do to remedy the situation. She also said that there were " always '' fares eligible at some point in time for the Companion Certificate but she did not know how many. According to this agent, American Express, not XXXX, was responsible for these terms, so my only remedy was to contact them. In fact, she noted that people have been forced to book " almost a year in advance '' using these Certificates in order to find any availability, and flight availability is such a problem that American Express had been contacted, and the reason that the expiration of these Certificates had been extended to XXXX XXXX because of the restrictions on eligible fares, rather than the extension being a COVID-related concession ( as was indicated by AMEXXXXX XXXX materials XXXX XXXX I was told there was no one at XXXX I could speak to who would be able to help me. I am no longer an American Express Reserve cardholder, so I have no clear path to remedy the situation with them. For all intents and purposes, it seems as I paid for an expensive credit card with a benefit that I can not use, and American ExpressXXXXXXXX is going to pocket the money. It would be one thing if there was little availability to leverage this benefit on the most popular flights on a given day, or soon before the flight date, but instead it seems that unless you are booking travel from unpopular cities nearly a year in advance ( and XXXX only lets you book travel 331 days in advance ), you can not leverage this benefit. No one expected COVID which led to a decline and then rapid uptick in travel, meaning the terms of the benefit have not caught up to the demand of those wanting to leverage it. At the very least though, failing to remedy the situation while knowing that consumers can not leverage the benefit which they paid for seems like an unfair and/or deceptive trade practice.
Company Response:
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am constantly allowed to pay my credit card balance without having a positive bank account balance. I have complained once about this control issue on the application with their customer service. They have allowed these payments and give premature credit advances and with this in mind, and I have been charged with countless payment return fees at this point, totaling over {$1000.00}. I am posting a new complaint as an update to my previous one with the same provider. Original Complaint # : XXXX
Company Response:
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2022-06-15
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: Didn't receive advertised or promotional terms
Consumer Complaint: I have this Amex XXXX XXXX XXXX with Amex. I enrolled their new benefits called entertainment credits and paid my XXXX streaming service with it. I contacted Amex and confirmed that my purchase in XXXX is qualified and would receive the promised credits soon. As of XX/XX/XXXX, there were two missing credits ( {$5.00} each ) so I opened a case with them ( reference number XXXX ). As of XX/XX/XXXX, I received one of the two missing credits but Amex refused to pay the second missing credit. I request them to investigate my XXXX purchase with XXXX but there is no response so far.
Company Response:
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been paying more than the minimum amount on my credit card statements. Because I pay more than the minimum amount, I sometimes miss the due date and am charged a late fee.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
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 identified multiple, recurring charges from XXXX XXXX to my XXXX American Express card starting on XX/XX/XXXX and ending in XX/XX/XXXX. These charges do not exist on any transaction list tied to ANY XXXX account owned by ANYONE in the household. The credit card involved was also not tied to ANY XXXX account we own during the period of these unknown charges. The credit in question however was replaced automatically due to American Express ' fraud detection system in the Fall of XXXX ( further confirming fraud had occurred or was likely to occur ). The charges were as follows : XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$26.00} XX/XX/XXXX- {$14.00} XX/XX/XXXX - {$9.00} XXXX XXXX {$9.00} XXXX XXXX - {$14.00} XXXX XXXX- {$14.00} XXXX XXXX - {$9.00} XXXX XXXX - {$14.00} XXXX XXXX- {$14.00} XXXX XXXX - {$9.00} XXXX XXXX - {$14.00} XXXX XXXX- {$14.00} XXXX XXXX - {$14.00} XXXX XXXX- {$14.00} XXXX XXXX- {$9.00} XXXX XXXX - {$9.00} XXXX XXXX - {$14.00} XXXX XXXX- {$14.00} XXXX XXXX - {$9.00} XXXX. XXXX - {$14.00} XXXX. XXXX - {$14.00} XXXX. XXXX - {$9.00} XXXX. XXXX - {$16.00} XXXX. XXXX - {$7.00} XX/XX/XXXX- {$16.00} XXXX = {$360.00} I am shocked that the federal government would put consumers in the situation where neither the credit card issuer nor the merchant will respond to ANY dispute/refund request or even start a dispute investigation UNTIL the consumer ferries backend database information on each transaction from the credit card issuer ( which they apparently didn't give to me correctly ). XXXX is now in a position to be targeted continuously for fraudulent prime subscriptions and seems completely uninterested in addressing the issue. This kind of market behavior in the face of consumer complaints is precisely why the CFPB was set up. I would like the total amount above refunded ASAP. I contacted American Express to block these fraudulent charges in XXXX and they have stopped. When I called again to dispute all the fraudulent charges and recapture my funds from American Express, I was told that they can't initiate a dispute for any charges linked to XXXX UNTIL I contact XXXX and get them to flag them as unauthorized from their end. XXXX, in turn, demanded to know the " Charge IDs '' for every transaction. When I went back to American Express, they claimed to give me all the transaction data, including " reference numbers '' and alphanumeric codes for each transaction with XXXX. I have them in email form for all of the fraudulent transactions. When I called XXXX again to have these transactions flagged as unauthorized, they claimed the codes I had weren't " Charge IDs. '' American Express is favoring XXXX of their largest merchants by throwing up a database roadblock to disputing fraudulent charges. It's unacceptable that because XXXX is huge, their normal dispute process does not work. When the consumer says a charges I unauthorized after their own due diligence, then I should not have to justify to the merchant that it is unauthorized. American express has a non-transparent dispute policy favoring their largest, highest volume merchants.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My American Express credit card offers rewards that can be used in its travel portal, when one selects the desired travel offers, in the end, it charges a higher price, about 20 % than the one offered. I check with other cards portals and they do everything right. I bought an air ticket XXXX, XXXXXXXX to XXXX, XXXX the price in dashboard was {$980.00} after i selected it i was charged for {$1200.00}
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-06-15
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 lied to me in this booking. I booked this package under the impression that I would receive Platinum Card perks at the XXXX XXXX in XXXX XXXX. I was completely humiliated and embarrassed when I arrived to the XXXX XXXX to first be told that I didn't book this reservation via AMEX but XXXX to second be told that they didn't ' have any AMEX card on file and that they didn't see any AMEX Platinum Card benefits associated with my reservation. I was completely dumbfounded by this error. AMEX completely embarrassed me and caused me to book a reservation unnecessarily with the benefits prominently advertised with the Platinum for staying at hotels under the Hotel Collection. After back and forth, and little option of staying somewhere else, I had to succumb and stay at the XXXX with no perks. AMEX robbed me of a decent stay and an enjoyable experience. I felt as though I lost $ XXXX in savings by staying at the XXXX with no perks when I could have stayed at a XXXX Property under my Elite Status. As a result, I want AMEX to make me whole by this glitch and false advertisement. I called about this matter and after being run in circles with AMEX customer service, I was finally told a wild response that the perk was not eligible for bundle deals. HOWEVER, this caveat is not prominently disclosed anywhere on the website, on the payment page or XXXX XXXX XXXX associated with purchasing the package. Nowhere is this prominently displayed as much as the Perks associated with the Platinum Card for staying in the Fine Resorts or Hotel Collection. It is egregious that I waited and anticipated this trip after planning and waiting XXXX months for this chaos and embarrassment to ensure. What's worse is the lack of access to AMEX customer service and a customer service agent with the wherewithal to assist me after being passed around from agent to agent for XXXX minutes while being stranded in another city. This is unprofessional and ridiculous. Most importantly, this is false advertisement and as a result I have been financially harmed by your misrepresentation and false advertisement of the facts, per FTC and UDAAP regulation. In short, make me whole from this fiasco!!!!!
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: credit card company agreed to delete the account from my credit report, but i have waited more than a year and is still not deleted. We agreed to do pay to delete so i don't know why is still shows on my account. I have disputed this issue with all credit credit bureau but nothing is solve.
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A