Date Received: 2022-05-26
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: XXXX claims that my purchase valued at {$2500.00} was delivered by XXXX to my home address and signed by me on XX/XX/2022 at XXXX pm. However, I didnt receive the package, let alone signed for it. Ive tried to file a missing package claim with XXXX but I was told only XXXX, the shipper, could initiate that claim. When I contacted XXXX, they refused to do so without providing me with any reasonable explanation why not. Then, I contacted Amex, my credit card company, and filed a charge dispute and provided them with proof documentation from my employer that clearly showed on XX/XX/2022 I was at work from XXXXXXXX XXXX to XXXX XXXX located XXXX miles away from my home address. That clearly disproves XXXX allegations that I personally received and signed for the package. In short, Ive never received the package and unable to file a missing package claim, sadly, neither XXXX, the merchant, nor Amex, my credit card company take my complaint seriously so I hope you do. Amex clearly states that Im not responsible for merchandise I didnt receive. Facts speak for themselves. Ive provided them with indisputable evidence that I didnt receive the merchandise I ordered.
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 1 ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. 2 ) American Express closed my count XXXX, XXXX continues reported me late.3 ) XXXX XXXX closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting XXXX ) XXXX XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXXXXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for and received an American Express credit card offering {$270.00} cash back if the card was used for a target amount. I did this and received the cash back as a payment deduction. I decided to cancel the card 1-2 m later. Recently I received an e-mail indicated that the cash back was reversed and I now owed that amount. It was never made clear to me in any obvious way that the card needed to be held for one year for this offer to apply, only that I needed to use the card up to the target amount. I did not solicit this offer- it was a pre-approved solicitation by mail. It is likely that this one year rule was somewhere in the multiple paragraphs of the user agreement, but this was never made clear in any of the summaries of the offer, or when I cancelled. I had an AMEX card in the past for many years and was checking this one out because I received good service on that card. I think this is a shady way to do business. Why does AMEX make these offers and then revoke them? XXXX XXXX ( for record : birthday XX/XX/1955 )
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: They promised to provide, {$300.00} credit statement after purchase, when I called them they said you are not eligible. Amex makes false promises and they don't have the courtesy to inform on the same, there was no communication on why I was not eligible and what happened. This is a fraud they do to their customers beware of these scammers. Amex you are the worst.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've sent 2 certified letters to American Express regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. I contacted American Express via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was checking my credit report about back in XXXX of 2021 and noticed that there was an open account with American Express and showed authorized user, which is an account I had no knowledge of. I only have one credit card account. On my report it shows that it had a current ongoing balance of around {$11000.00}. I would like to have this account removed from my credit report as this is not my account and I believe its possibly fraud.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2022, I called American Express to address my APR for my Blue Cash Everyday card and options to reducing it. Within the conversation, I was informed about transferring credit lines. The representative stated to me that if I paid off the total amount on my XXXX XXXX XXXX XXXX which was a credit limit of {$2000.00}, I would be able to transfer the full {$2000.00} limit to my Blue Business Card. With that information, I accelerated my payments for XXXX, XXXX, and finally paying off the card on XX/XX/2022. On that same day, I followed up with another call to American Express and inquired about the clearing of my funds to pay off of my Blue Cash Everyday card ; a replacement card for that account and transferring my credit line to my Blue Business card. Due to the fact that I needed to replace my Blue Cash Everyday card, my process to transfer was stalled. Once I received my replacement Blue Cash Everyday card, I called back on XX/XX/2022 at XXXXXXXX XXXX and, initial spoke to representative XXXX. I was informed by her, I would not be able to transfer the full amount of {$2000.00} from my Blue Cash Everyday credit card to my Blue Business Card. She stated that only {$1000.00} would be eligible. I stated that I was not made aware of this limit and that I was misinformed by two previous representatives. I asked to speak to supervisor. XXXX return to the line with XXXX the Customer Service Supervisor. She reiterated XXXX 's messages that I would only be able to transfer {$1000.00}. I had requested to receive and verify any type information and was told that there is no such policy to provide to me as a consumer and business owner who utilizes their institution. Then as we worked to a compromise through the available options to move forward on the issue, I agreed to move forward with the {$1000.00} transfer from my Blue Cash Everyday card to my Blue Business card, but was informed that it is not a guarantee and that an application must be submitted for internal approval. Another curve with no provide to be provided to me to verify or make an informed decision. I decided that I would not be moving forward with the application due to not being provided with enough transparent information to make an informed decision. American Express has misinformed me as a Consumer XXXX XXXX XXXX by guiding me to accelerate payments to pay off a credit card with the hopes of transferring a {$2000.00} credit limit to my business when I could have used my funds for my business operation.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My card expired and Ive requested five replacement cards but havent gotten them and now they are saying I can not access my account without a debit card number that I do not have and I do not have access to the funds to this account. The first time I requested a card was XXXX and today XX/XX/XXXX I spoke with a supervisor who said since I dont want to take her advice I can figure it out on my own and that there was nobody else within the whole company I could speak with. I didnt like her demeanor and I dont like that she is refusing to help me. But I have been going through this process since XXXX and they allow me access every time and I have to send money to XXXX in order to get my funds but for some reason today they were just not feeling like helping me.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Over the past 4 years I have had to work nonstop to deal with the crippling fallout from being the victim of identity theft. Up until recently my credit report was free of information that was the result of ID Theft. Unfortunately in the last week of XXXX a new account appeared on my XXXX credit report that was the result of ID Theft. A 605b block request was quickly sent to XXXX to have the information blocked from my credit report. A few days after the account appeared on my credit report, American Express began to treat me as a higher credit risk. On my Kabbage by American Express funding account they reduced my line of credit from {$49000.00} to {$30000.00} and increased the fee I would have to pay on future drawls from .25 % to 3.5 %. I also delayed a credit line increase request on my personal American Express card until after the ID Theft issue was cleared up. Around XX/XX/XXXX the account was successfully blocked and my credit report and score were no longer being impacted by the fraudulent account. I then waited a few more days to allow the updated information on my report to be sent to creditors who recently requested my credit report, including AMERICAN EXPRESS, AMERICAN EXPRESS XXXX, and AMERICAN EXPRESS XXXX. After a few days I requested a Credit limit increase on my personal Amex card but was denied because they used a credit report from XX/XX/XXXX, which included the ID theft information. I also attempt to ask XXXX to reassess my credit report and restore my line of credit and fee rate back to what they were before the ID Theft issue, but unfortunately they refused. I then spent 3 hours on the phone and was transfer 16 times each time being told the next person could help me but that simply was not true. To this day Amex is still using the XX/XX/XXXX copy of my credit report and has basically told me that I just have to deal with being held responsible for the ID theft actions until Amex decided it was going to pull a new credit report for me.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I am an authorized user on an American Express card and a XXXX XXXX American Express card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and XXXX reports. American Express was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and XXXX, they are stating that they have never received the information from American Express.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A