Date Received: 2022-05-23
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: Dear Sir/Madam, We have Amex gift card that was used to buy XXXX furniture at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Because of unfortunate life events, my sister had to move to XXXX from XXXX and we returned furniture to XXXX. XXXX returned money to the Amex Prepaid card. We returned items that are valued more than the Amex prepaid gift card, which we pointed out the XXXX representative at the time. She informed us that since she didn't get error, we should be ok and the gift card is like credit card and the total amount will be there. Total amount returned was {$610.00}. This transaction was done on XX/XX/2020. While moving from XXXX to XXXX the gift card got misplaced. We found it later. While trying to use it after a year, we found out there is no balance on the Amex prepaid card. So we inquire with Amex customer service, we were informed that since the amount was more than the prepaid card, Amex returned the fund to XXXX. We called XXXX customer service, and was informed that they can't see this transaction online and we have to go the store. We live in XXXX XXXX and it is not possible to go to XXXX. I couldn't find the solution and want to see if cfpb can help us. I have return receipt. Amex customer representative email and XXXX customer representative emails. Please let me know what can I do to resolve this issue. Best Regards, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two AMEX credit card debts. One is XXXX, the other is XXXX... proximately. The issue I have is that during the past years, they have sent me several settlement offers which I have accepted three times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything. I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: American Express unfairly targeting small business customer. We pay {$690.00} a year for platinum business credit card and yet they put a very strict credit limit on my credit card. I have 4 business credit cards with American Express and have been paying on time and they never increased my credit limit and instead they decreased my limit. I think they're intentionally targeting me even though I've been using the credit cards responsibly. I strictly use these cards for business purpose. Current credit limits is too low to continue using these cards as rewards rate is too low and annual fee is way too high compared to other business credit cards that I have. All they do is declining my transactions whenever I spend something for my business. It is very frustrating and annoying. None of my other business credit cards do this.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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: This complaint is about American Express didnt make any effort to investigate my dispute ( XXXX XXXX. XXXX ). I also tried to resubmit the dispute, however American Express continues neglecting my dispute and mark it closed on its own end. The merchant in this dispute - XXXX XXXX XXXX XXXX XXXX is a fraudulent XXXX ; I was overcharged for {$120.00}, which is clearly proven in my XXXX XXXX statement - patient responsibility section. I have submitted all the proof and communication between me and the merchant through American Express manage disputes portal. The merchant has already acknowledged they overcharged me {$120.00}, but I have never received the refund.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair credit reporting act amex account number XXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: American Express has pulled my credit 5 times!!! On a single application for a XXXX XXXX my XXXX credit report was Pulled 4 times!!! And XXXX XXXX time .. and AMEX refused to removed and my application is denied!!!! I dont have bad credit and I want this company to removed 4 inquiries from my XXXX credit report
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a card from the XXXX XXXX on XX/XX/2022 at XXXX and I tried to create a account that way I can set everything up and it say they can't authorized for me to create a account. There is {$54.00} on the card. And I really need to use the card. They took {$7.00} off my card for no reason and I want my money back. Please help
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have called in to the company 5 times on XX/XX/XXXX, and when providing details regarding the account ( ex : name, birthday, last 4 of SSN, card account number, security code located on the back of the card, email ) i have learned that the account has been modified with information that I did not provide when creating the account nor did i authorize the modification of the account details. Specifically, it has come to my attention that the bank has acquired my XX/XX/XXXX, date of birth when I created the account with the date of XX/XX/XXXX, of birth. When calling in today to inquire about transactions that are being automatically declined by the bank, I learned that the reason the transaction was being declined was because the account had been updated without my knowledge or consent with my XX/XX/XXXX, date of birth. I have record of me calling into the bank on several occasions over the past several years since the account was created and verifying the account with my XX/XX/XXXX, date of birth and now starting on XX/XX/XXXX, my XX/XX/XXXX, birth date is now required for verification, and I am being denied services because the date of birth has been updated without my knowledge or consent. I spoke with several very rude and condescending representatives that disconnected the call when I provided the requested information where one representative told literally told me to call back once I have logged in online and have verified the account information and immediately disconnected the call. I called immediately called back and requested to speak with a supervisor and did not provide any account details to the representative and the representative was willing to transfer me with no problem. When transferred I spoke with a supervisor and requested to speak with her direct superior. She inquired and I informed her that one very disrespectful representative just literally hung up in my face after I literally provided every account detail to her that she asked for. The supervisor attempted to lie and state that she was transferring me to a supervisor, and I had to inform her that the representative hung up in my face after telling me to call back after logging into the account. I inquired and asked that since I provided the entire card number, the security code on the back of the card, the email address ( I provided two since I have more than one primary email address and wasn't sure which one was on the profile until I logged in ), full name, and date of birth why did the representative hang up the call in my face. The supervisor related that the date of birth on the account was not the XX/XX/XXXX, nor what I assumed XX/XX/XXXX, but instead they had changed the account and added the XX/XX/XXXX, date of birth. When inquiring how did they acquire that information and who authorized the change, she tried exceptionally poorly to " gaslight '' me into thinking that I am the one that created the account with that date of birth. I continuously tried to make her understand that when I created the account I used XX/XX/XXXX, and have record of me calling in to the company and verifying the account with that date of birth ( years ago when I initially attempted to create an account with the company I was denied due to security issues ( fraud on the part of American Express ) so I resorted to using other legal information belonging to me to create the account ). However, she continued to try and gaslight me into accepting what she was stating as fact, in the middle of me attempting to make her comprehend what I was saying she attempted to lie and make it seem like she couldn't hear me and stopped once I had stated several times that I was too recording the call. Then, again she tried gaslighting me and when I again tried to explain that the information that she was trying to make me accept was inaccurate as I literally recorded me calling in several times and verifying the account with that number, she transferred me to another representative on a lower level than her. I called in again and spoke with a representative and asked to be transferred to a supervisor and the representative was willing to transfer me without asking any account specific information and after a couple of rings the call was disconnected ( presumably the same supervisor I spoke with as when I spoke with that supervisor that was the second time I had spoken with her on XX/XX/XXXX ). I called in again and spoke with a condescending representative a he completely refused to transfer me at all until I provided account specific information and when I told him that I had just literally called and was transferred without having to provide anything he stated he would not transfer me until I had provided him with account specific information and disconnected the call when I protested.
Company Response:
State: TX
Zip: 75231
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: 2022-05-20
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 I hired XXXX XXXX XXXX which does after construction cleaning. They came over on the date they scheduled me and told me that some of their employees had COVID 19 and that they would have to reschedule the date. After rescheduling they did not show up for the appointment, I called them and told to refund my money. They promised to refund me but never refunded me. I contacted American Express, my card company and requested a dispute on the charge. After a month American Express responded that they could not dispute and that I had to hire an attorney if I wanted my money refunded.
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A