Date Received: 2022-05-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have sent American Express three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) in which I disputed two accounts ( Account number XXXX, Charge-off Balance {$2000.00} and Account number XXXX, Charge-off Balance {$2300.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. Attached is my current ( XX/XX/XXXX ) XXXX credit reports of the American Express accounts. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, American Express.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I am a XXXX ( XXXX card ) member of American Express for which privilege I pay and annual fee of {$5000.00} a year. I have been an American Express member continuously since XXXX. In short, I am a good customer. I have 4 American Express credit card accounts and for 3 of them I receive statements and pay them in a timely manner. This complaint is about the 4th account- for which American Express refuses to send me statements and consequently is not complying with the terms of the Fair Credit Billing Act, 1974. The Act requires American Express to send written statements to creditors at the address requested by the creditor. I have provided American Express with my home address and I have requested that statements are sent to that address, but American Express refuses to do so. Section 1666 ( b ) a. of the Act states : " 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. '' American Express has not mailed or delivered statements to me. Someone called XXXX called me from American Express on a recorded line and I requested that statements be sent to me in compliance with the Act, but she refused. Now American Express is threatening to discontinue the use of my card
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: as a part of XXXX XXXX promotion during the purchase of my airplane ticket I checked the box for American Express. {$200.00} cash reward if customer makes a $ XXXX purchase in first 3months. However, I never completed a checkout for the airplane ticket. I thought Amex card application did not go thought either. Actually it did and I received a card sometime later. Never received any billings statements. I said oh, well I might as well take the advantage of the {$200.00} promo by spending money on it. After few months I made my first purchase, which was paying the college tuition down payment for my freshman son. Made some other purchases too.. Was waiting on the statement, but never received it. The first time I received the statement the payment was already overdue and the fee and interest rate were already charged. I paid everything right away. I texted with Amex customer service and tried to negotiate removal or reduction of fees but to no avail. And I did not receive {$200.00} -- promotion either. With disappointment in the quality of their customer service I closed my account. With all off this I would like to file a complaint against Amex and AmEx practice. I think their practices are unfair and are taking advantage of customers. I do not seek money or any reimbursement, but I just want to share my experience so others can learn from it.
Company Response:
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2022, I initiated a transfer from my sole proprietorship, small business checking account through XXXX in preparation of closing the account and to bring the account balance to a XXXX balance. On XX/XX/2022, called the customer support number for Kabbage and requested the account be closed. First representative I spoke with verified my information and transferred me to another representative who also verified my information. Representative proceeded to inform me that my account was in " lock '' status and I inquired if this was a result of the prior day 's transfer. Representative refused to disclose the reason and indicated that I would be transferred ( again ) to get the lock removed. At this point, I terminated the call and proceeded to file this complaint.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I got an American Express XXXX XXXX credit card on XX/XX/22. Terms stated that I would get 1.5 % cash back on eligible purchases each billing period. I did not receive cash back for the first billing period as of XX/XX/22. Called American Express about issue on XX/XX/22 and got multiple conflicting responses from different customer service representatives so it is not clear if or when I will get the promised cash back ( representatives are XXXX, XXXX and XXXX ).
Company Response:
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
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 made a purchase on XX/XX/2021 by using my Amex Platinum card. It was {$2300.00} on XXXX website. They shipped out a XXXX package and I never received it. I dispute this charge several times and Amex didn't take any action.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: American Express put me through financial hardship by forcing me to take high-interest loan to pay for flight ticket by American Express unlawfully garnishing the funds that was intended for the flight ticket and refused to refund the money to me. I had to take a high interest loan to attend to family emergency because of American Express unlawful action. Since American Express refused to refund my {$1600.00} that was unlawfully garnished, I took a load to cover the expense that the {$1600.00} was intended for. ( Loan Agreement attached ). American Express garnished or unlawfully seized my {$1600.00} that I put into my account to buy a flight ticket for family emergency. I called to resolve the issue American Express to no avail. I told America Express that I could not continue doing business with them unless my {$1600.00} was refunded. Therefore, I asked for a conditional suspension or account cancellation until the unlawful garnishment of my {$1600.00} was resolved. I asked if my account could be suspended until I resolve the issue. American Express representative told me that my only option was to close my account. Therefore, I asked for a conditional account closure until the issue of refunding my {$1600.00} was resolved. The representative closed by account on the understanding that my account would be reinstated after the unlawful garnishment of my {$1600.00} was resolved with a full refund. I tried to resolve the refund issue with American Express by talking to many managers. Since I had no option but to file a complaint with Consumer Financial Protection Bureau. America Express only resolved the issue after I filed a complaint with Consumer Financial Protection Bureau. Since I had to attend to family emergency, I had to take a high interest loan to buy the flight ticket. It was only after a complaint was filed with CFBP that America Express refunded my garnished funds. However, I had already taken a high interest loan. Responding to my complaint with CFBP, American EXPRESS replied to my complaint that American Express had resolved my case with compensatory RELIEF payment of {$1600.00} to me. That is a big falsehood as the money was not a compensatory relief payment but a refund of the money that was garnished from me by American Express. Now that my garnished money has been refunded, I asked American Express to reinstate my account. American Express is refusing to reinstate my account but nonetheless asking for monthly payment with interests on the money I owe on the account. HISTORY OF MY COMPLAINT American Express denied me the right to use my credit card by denying my transaction while I had sufficient funds to cover the transaction, a breach of contract or agreement. I have been with America Express for more than 6 years. Amount declined is {$1400.00} ( See attachment ) plus tax and Insurance amounting to XXXX I have always paid on time and never missed payment. My XXXX payment was done on the XXXX of XX/XX/2022. With my payment, America Express processed all its fees ( Evidence attached ). Upon deduction of all fees on XX/XX/2022 by American Express, I had an account balance of over {$130.00}. I transferred {$1600.00} to cover the purchase of a flight ticket to go for my daughter. With a sufficient transfer of {$1600.00}, my balance was sufficient to cover the flight transaction on XXXX pm XX/XX/2022 of {$1600.00}. Thus, my account balance and credit limit as of XXXX pm XX/XX/2022 were sufficient to cover my transaction of I did. The transaction went through as of XXXX pm XX/XX/2022 issuance of the confirmation number. A confirmation number was issued at XXXX pm saying that my flight ticket is on it way ( See attachment ). An insufficient fund in a credit card goes with an instantaneous denial of the transaction. This was not in my case. I checked my balance before initiating the transaction. My credit limit and account balance were not changed and were not below the transactional amount. Additionally, no other transaction was pending to reduce the amount below the transaction amount. Since American Express email states that my transaction was declined because it would go over my " credit limit ''. I am kindly enlisting the help of Consumer Finance to ask American Express to provide me with evidence of my credit limit and account balance at the time of the transactions as of XXXX pm XX/XX/2022. I went to the American Express website to dispute their claim that I did not have sufficient funds and if possible to refund my {$1600.00} since American Express did not seem to recognize the funds transferred to cover this transaction, the disputed site was down ( See attachment ). Essentially, American Expressed has unlawfully seized upon my {$1600.00} transfer to arbitrarily apply as payment towards a spontaneous negative balance that I was never informed or made aware of. Please tell America Express that I DO NOT need the reason ( s ) or factor ( s ) for their decision of credit limit reduction. I want or need evidence that my credit limit was not sufficient at the time of the transaction as stated in the email : " declined because you be over your credit limit '' ( Email attached ). What was my credit limit and/or account balance at the time of the transaction ( XXXX pm XX/XX/2022 )? Simple : I want to know my account balance and credit limit as of XXXX pm XX/XX/2022. After declining my transaction for 'lack of sufficient funds ' so to speak, American Express went further to reduce my credit limit to justify their falsehood that the transaction would be over my credit limit. Thus, the other question I want is what time during the period of XX/XX/2022 was the decision made to reduce my credit limit. Was it before, during, or after the declined transaction? I will agree with American Express that they can reduce or increase the credit limits of consumers whenever they so desire. Therefore, I am not questioning their authority to reduce credit limits. However, I only want to see the evidence at the time of me making the transaction or buying the flight ticket, what were my account balance and credit limit before or on XXXX pm XX/XX/2022. This has caused grave psychological injury and other financial impacts on me that I would possibly seek legal remedy if these questions are not answered in recognition of my rights as a consumer. Because of this illegal and breach of faith, I have gone ahead to take a high-interest loan to buy a flight ticket for my family emergency as American Express has stiffed me on the money I intended to buy a flight ticket. XXXX
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express garnished or unlawfully seized my {$1600.00} that I put into my account to buy a flight ticket for family emergency. I called to resolve the issue American Express to no avail. I told America Express that I could not continue doing business with them unless my {$1600.00} was refunded. Therefore, I asked for a conditional suspension or account cancellation until the unlawful garnishment of my {$1600.00} was resolved. I asked if my account could be suspended until I resolve the issue. American Express representative told me that my only option was to close my account. Therefore, I asked for a conditional account closure until the issue of refunding my {$1600.00} was resolved. The representative closed by account on the understanding that my account would be reinstated after the unlawful garnishment of my {$1600.00} was resolved with a full refund. I tried to resolve the refund issue with American Express by talking to many managers. Since I had no option but to file a complaint with Consumer Financial Protection Bureau. America Express only resolved the issue after I filed a complaint with Consumer Financial Protection Bureau. Since I had to attend to family emergency, I had to take a high interest loan to buy the flight ticket. It was only after a complaint was filed with CFBP that America Express refunded my garnished funds. However, I had already taken a high interest loan. Responding to my complaint with CFBP, American EXPRESS replied to my complaint that American Express had resolved my case with compensatory RELIEF payment of {$1600.00} to me. That is a big falsehood as the money was not a compensatory relief payment but a refund of the money that was garnished from me by American Express. Now that my garnished money has been refunded, I asked American Express to reinstate my account. American Express is refusing to reinstate my account but nonetheless asking for monthly payment with interests on the money I owe on the account. HISTORY OF MY COMPLAINT American Express denied me the right to use my credit card by denying my transaction while I had sufficient funds to cover the transaction, a breach of contract or agreement. I have been with America Express for more than 6 years. Amount declined is {$1400.00} ( See attachment ) plus tax and Insurance amounting to XXXX I have always paid on time and never missed payment. My XXXX payment was done on the XXXX of XX/XX/2022. With my payment, America Express processed all its fees ( Evidence attached ). Upon deduction of all fees on XX/XX/2022 by American Express, I had an account balance of over {$130.00}. I transferred {$1600.00} to cover the purchase of a flight ticket to go for my daughter. With a sufficient transfer of {$1600.00}, my balance was sufficient to cover the flight transaction on XXXX pm XX/XX/2022 of {$1600.00}. Thus, my account balance and credit limit as of XXXX pm XX/XX/2022 were sufficient to cover my transaction of I did. The transaction went through as of XXXX pm XX/XX/2022 issuance of the confirmation number. A confirmation number was issued at XXXX pm saying that my flight ticket is on it way ( See attachment ). An insufficient fund in a credit card goes with an instantaneous denial of the transaction. This was not in my case. I checked my balance before initiating the transaction. My credit limit and account balance were not changed and were not below the transactional amount. Additionally, no other transaction was pending to reduce the amount below the transaction amount. Since American Express email states that my transaction was declined because it would go over my " credit limit ''. I am kindly enlisting the help of Consumer Finance to ask American Express to provide me with evidence of my credit limit and account balance at the time of the transactions as of XXXX pm XX/XX/2022. I went to the American Express website to dispute their claim that I did not have sufficient funds and if possible to refund my {$1600.00} since American Express did not seem to recognize the funds transferred to cover this transaction, the disputed site was down ( See attachment ). Essentially, American Expressed has unlawfully seized upon my {$1600.00} transfer to arbitrarily apply as payment towards a spontaneous negative balance that I was never informed or made aware of. Please tell America Express that I DO NOT need the reason ( s ) or factor ( s ) for their decision of credit limit reduction. I want or need evidence that my credit limit was not sufficient at the time of the transaction as stated in the email : " declined because you be over your credit limit '' ( Email attached ). What was my credit limit and/or account balance at the time of the transaction ( XXXX pm XX/XX/2022 )? Simple : I want to know my account balance and credit limit as of XXXX pm XX/XX/2022. After declining my transaction for 'lack of sufficient funds ' so to speak, American Express went further to reduce my credit limit to justify their falsehood that the transaction would be over my credit limit. Thus, the other question I want is what time during the period of XX/XX/2022 was the decision made to reduce my credit limit. Was it before, during, or after the declined transaction? I will agree with American Express that they can reduce or increase the credit limits of consumers whenever they so desire. Therefore, I am not questioning their authority to reduce credit limits. However, I only want to see the evidence at the time of me making the transaction or buying the flight ticket, what were my account balance and credit limit before or on XXXX pm XX/XX/2022. This has caused grave XXXX XXXX and other financial impacts on me that I would possibly seek legal remedy if these questions are not answered in recognition of my rights as a consumer. Because of this illegal and breach of faith, I have gone ahead to take a high-interest loan to buy a flight ticket for my family emergency as American Express has stiffed me on the money I intended to buy a flight ticket. XXXX
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The creditor agreed to remove off the report once settled. The account is still on my report reflecting negatively.
Company Response:
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Company Response:
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A