Date Received: 2022-06-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX Account has been permanently suspended. When I called customer service representative told me that my account had been permanently suspended but could not give me any information told me I needed to write them a letter requesting information when asked about the money remaining in my account which is over XXXX dollars she said I would have to write a letter inquiring about my money also.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Spoke XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Where I set up a payment plan with AMEX I was drafted for a payment XXXX XXXX at XXXX spoke with AMEX they were sending me Non payments telling me that I was late and I was also being reported to credit bureau XX/XX/XXXX XXXX XXXX Called again stayed on hold for 1 hr to have the issue resolved. I continued to get calls saying that I have not paid however but I am paying. Previously when I spoke with AMEX they told me that there was a glitch in their system at Amex and that is why I was getting this problem and that I needed to call back to get reenrolled. When I call back they are unavailable when I am off work. I am trying to get a new job and improve my credit score. I did a dispute through XXXX XXXX ; however American Express responded it was my error. This is clearly not my fault as my brother had a near death car accident and had to live with me and I lost my job that is why I called and asked for help. Below is where AMEX has been drafting me for the plan that they said they were putting me in. I am requesting that this be fixed on my credit score. Thank you.. XX/XX/2022 Paid XXXX XXXX {$190.00} XXXX XXXX, XXXX Paid XXXX XXXX {$190.00} This payment has been posted to your account. XX/XX/2022 Paid XXXX XXXX {$190.00} CONFIRMATION XXXX STATUS This payment has been posted to your account. XX/XX/2022 XXXX XXXX XXXX {$270.00}
Company Response:
State: LA
Zip: 71303
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and there are several fraudulent inquires and a fraudulent account open on my credit file.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I have had an American Express gift card saved, sealed in an envelope that it was originally purchased in ( {$300.00} total ) since XXXX. The card expires in XXXX. I recently went only to use the card and checked to see if an activation was required on the company website. I discovered that recent fraudulent activity totaling {$290.00} with various merchants had occurred. I contacted American Express as requested on XX/XX/XXXX ( XXXX ) and was notified that this had occurred. I was informed that they could not resolve any disputes or issue refunds, fraud protection, etc and would need to work with the merchants directly ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX After speaking with them I went back to their site to obtain the transaction information and discovered my account was locked so I could not access this detail to reach out to merchants. I called back and was told this would be emailed to me within 24-48 hours. I did not receive an email while giving them additional time ( including weekend ) and called again on XX/XX/XXXX and was able to have my account unlocked to receive transaction detail. I contacted the various merchants and was informed I that I would need to work with American Express to resolve as the transactions were managed through their card. I spoke again to Amex to re-suspend my account and questioned again why they would not honor any fraud protection when they failed to provide adequate security ( Ex : card activation ) and other gift card companies do refund the card holder. I escalated the issue with card services and was just repeated that their card holder agreement does not permit them to manage disputes. I was told yes, their policy essentially is if an individual has one of their products and has money stolen unless they alone can work with a merchant for a refund they are out of luck.
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX credit report is showing a late payment in XXXXXXXX XXXX My Bankruptcy was filed in XXXXXXXX XXXX and this account was never late up to the date of the XXXX filing. There are three AMEX account numbers incorrectly reporting a late payment in XXXXXXXX XXXX Those account numbers are : XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX I would like to make CFPB aware of this urgent matter that requires several witnesses. I am a first had witness with personal knowledge of this experience. American Express is continuing to violate me personally blatantly and is causing me harm directly. XXXX XXXX has made a direct choice to share my personal correspondence with several individuals despite my protest of specifically stating not to share my personal and private information with others completely violating the privacy act. XXXX XXXX is not performing his fiduciary duties and I am being further harmed by his actions and those of American Express. XXXX XXXX XXXX American Express is also in violation of title 38 Chapter 61 misappropriations by fiduciary Furthermore, American Express is continuing to dishonor payments and is again threatening to report the account to All credit agencies further violating my privacy rights.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022 I applied for an American Express Business Gold Card after receiving a notice in the mail regarding a promotional 12 months interest free offer. Upon receipt of the card I did not see the 12 month 's promotion so I contacted American Express and was told that the offer only applied to the Business Platinum Card. The representative advised that in order to add the promo I would need to upgrade my card and pay the higher annual free. I asked something to the effect of " Ok, so in order to get the 12 months interest free I need to upgrade to the Platinum Card? '' and she said, yes that is the only way and so I agreed and she processed the upgrade over the phone and overnighted the card. The ONLY reason I did the upgrade was because I was told that would be the only way to get the Promo. Otherwise I would not have upgraded as I was fine with the Gold card. In XX/XX/2022 I reviewed my statement and saw interest charges and called American Express and was told, yes we show you have been charged the interest by mistake, they didn't add the promo but don't worry I will fix this for you and credit the interest charges. I did receive a credit for the XXXX interest but then again in XXXX I was charged interest once again. I called and was told, no you do not have the promo and after speaking to a supervisor was told they would review the call from when my card was upgraded to confirm if the card should have the promo. I requested the call transcripts as evidence of the conversation and was told they would be sent to me once they had time to gather them and listen to the call. I never received a call back so I contacted American Express again in XX/XX/2022 as I was once again charged interest and I was toldthe case was closed and I did not have the promo. I contested and said that was not what I was told and I wouldn't have upgraded the card, and that I am currently receiving promo 's with the offer still to this day. They said a supervisor would call me back that same day with an update. I never received any call back so I called back on XX/XX/2022 and spoke with another supervisor. I was advised that after review of the call the promo was never offered to me and that the case was closed. I said that is not true and I would like copies of the transcripts but was advised I would need a court order to obtain them. I said the prior supervisors never said that and she said that was the procedure. She said she would review the call personally and return my call, which she did and she left me a voicemail. I called back and was told she was out for the week and the rep showed the notes that she reviewed the call and no disclosures show any promotional rate for my upgrade, and that I would need to open a new Business Platinum card to get the promo. I repeated that I would not have upgraded to the Platinum card and why can't I get the transcripts to confirm? He said he would have XXXX contact me upon her return. I find it very misleading to be told you would get the promo and to also receive emails, and promotional mail with the promotions only later to be told, " Sorry, it does not apply to your account because it was an upgrade, not a new card. Open a new card to get the promo. '' I am adamant I was offered the promo on the call as I never needed the Platinum card and would not have upgraded had the offer not been made. I was told since the Gold card application was new they could add the promo to the new Platinum card and so they sent a new card with a new number. I had several calls with American Express as some where disconnected so I called several times regarding the promo. I believe they are reviewing the incorrect call which is why they do not hear when the rep made me the offer. For this reason it is only fair I may receive a copy of the transcripts or recordings to confirm they are reviewing the correct call.
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: A American Express card was opened XX/XX/XXXX of XXXX in my name. I automatically called and canceled the account and call XXXX to be able to remove it off of my hard inquiries. They said I needed to fill out this report
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A