Date Received: 2022-05-21
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: To whom it may concern : On XX/XX/XXXX, XXXX, I received a letter from Bluebird stating that I requested my account to be closed and was issued a check for the balance of my account. However, I did not request that my account be closed. My account was closed after filing valid disputes. I contacted Bluebird by phone and was told my account is locked and suspended. I was told if I wanted to know the reason why my account was closed, locked, and suspended to write a letter. As of today, no one has responded to my letter. In Addittion, I had active disputes open with XXXX for merchant XXXX who is attempting to issue me a full credit but must do so through Bluebird. I also need to confirm that merchant XXXX XXXX provided a credit in XX/XX/2021. XXXX XXXX has informed me they have returned the monies to my account and I believe Bluebird has issued a check for this. Please investigate and determine why my account was closed when I have not violated my member services agreement. Thank you for your time.
Company Response:
State: VA
Zip: 239XX
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: 2022-05-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: American Express National Bank closed my account XX/XX/21 and refuses tell me why or disburse my funds to me. I have contacted them over XXXX times and even had a lawyer contact them. I have provided all forms of official documents to confirm my identity. Their failure to provide my funds has caused my grave financial harm including losing my home. See attachment for full text. I have reached out and have even had my lawyer reach out I have been told that my account was closed and that I needed to send emails to XXXX to have everything release this is fraudulent my husband has verification that he had sent the {$250.00} allotment to that bank account several times and it went through my account was Closed when I received a loan in the amount of {$14000.00} in my name! my money was stolen from this bank! please present the bank statements from the month and weeks prior so that it can be verified that you all allowed the deposits prior and when I received my loan you stole money and are using the {$250.00} as an excuse. it is know that the representatives hang up on customers. I have phone call time proof, I have documented everything I even have the trace number on the loan that this bank embezzled. I have proof and I am willing to present everything. I have the emails with the dates that I am still receiving, I have all of the information available. hung up on my lawyer several times as well its all documented, I have the text messages below with him stating on the dates it has happened. this bank is stealing money from its customers.i am attaching the files as well as their statement they've responded to within the other complaint they made as well as the fact that XXXX is stating they NEVER had anything to do with my Bank account, below to verify that this bank has lied as well as the recent fraud protection text messages ive received. There is nothing in the XXXX that explains why this has happened. I have even attached the XXXX policy to this case
Company Response:
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello- I had several payments scheduled with American Express and had my account abruptly closed with no explanation. On XX/XX/2022 I paid {$2300.00} to American Express. I scheduled a payment of {$3500.00} for XX/XX/2022 to American Express on XX/XX/2022 and confirmed with the American Express rep over the phone that my account would be current. On XX/XX/2022 my login to American Express no longer worked. I tried resetting my password with no luck. I called American Express and they offered no explanation. I called again on XX/XX/2022 and a rep could not offer an explanation but it appears there was an issue with my account. I told this rep to cancel all scheduled payments and he agreed. I received a total of XXXX ( XXXX ) emails from American Express on XX/XX/2022 stating that my {$3500.00} payment scheduled for XX/XX/2022 would process. I called American Express again on XX/XX/2022 and asked why this was the case and they could not offer an explanation. I called my bank XXXX XXXX XXXX XXXX ) to have a stop payment on all payments to American Express. I called American Express again asking for an explanation and received none. I received an email on XX/XX/2022 that American Express cancelled my account and demanded I pay my balance in full with no explanation as to why they cancelled my account. I emailed them and their response was " Thank you for reaching out to us. We will forward your request to the appropriate department ''. After multiple emails to American Express between XX/XX/2022 and XX/XX/2022 I have yet to have XXXX identifiable American Express rep respond to me. I have only received automated messages. I am now asking CFPB to mediate going forward as I believe American Express has been acting in bad faith and has not responded to any of my emails beyond some generic response stating " Thank you for reaching out to us. We will forward your request to the appropriate department ''. I do not trust the reps that I have called at American Express and they have not been honest with me regarding any of my scheduled payments, account status, and how I will proceed from here with paying my balance. I frankly don't feel comfortable wasting any more time as this issue has been going on for XXXX weeks now with nothing but bad faith actions from American Express.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: American Express notified me with a form letter on XX/XX/XXXX that I had violated the terms of an offer and they were going to be charging my account {$150.00}. The form email stated several reasons possibly why. When I called to inquire, I was told by the first rep that since I had downgraded my Blue Cash Preferred card at the time of my card member anniversary in XXXX ; American Express was revoking the {$150.00} promotional offer they had emailed to me around XXXX XXXX XXXX and charging my account. I was unaware of this requirement. When I called to downgrade in XXXX and said that I did not want to pay the {$95.00} annual fee, the American Express rep did not say anything about the possibility of me actually being charged {$150.00}, instead of the {$95.00} annual fee. If I had known that, I would have paid the {$95.00}. I think it is unfair when a company buries important terms and conditions in small print or on page 4 or 5 of a document and then turn around and declare that you have violated some term that you as a normal ( non-professional finance ) consumer did not know or understand. I have been busy juggling covid, elderly parents, inflation, and my health for the past year, I think American Express needs to make their terms and conditions clear if they are going to enforce them in an automated manner as they have done in my case. I did ask to speak to a supervisor XXXX who said American Express would be reviewing my case over the next 7-10 business days, but she was unable to resolve the dispute herself. I have never encountered a situation like this before, and had no knowledge of this condition. At this point, there is no way I can even retrieve an email from my account from over a year ago to see where I missed the requirement. Please help me resolve this dispute, as I am a struggling consumer up against a very large company.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. 15usc 1681 section 602 states i have. the right to privacy. 15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express quit sending payment envelopes approximately XXXX year ago, but when called, agreed to separately mail XXXX okay. I called today XX/XX/22, and XXXX at customer service politely refused to send anymore and recommended I use my own. This will cost me more and increases mail time thus increasing the chance of late fees. Help!
Company Response:
State: AR
Zip: 72703
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express is not willing to grant any credit application based on what it believes was a violation of its policies from XX/XX/XXXX. When they lowered my credit line back in XXXX, they did not state or communicate that all credit applications would be denied. They steered me into believing that the actions were temporary and not permanent. Now they have taken the limit on a subsequent XXXX American express account that was paid off, the account balance was negative and had a credit on the account and they lowered the credit line to {$1000.00} in a response to my complaint with the CFPB. I'm being bullied, harassed, and unfairly processed as a credit applicant. American Express, please advise the following : XXXX. Based on the FCRA, what facts and findings do you have to permanently ban me from any credit application and now allow for any types of credit to be processed. XXXX. Please advise why this was not communicated in XXXX, as if I would of known I would not have had the credit damage of the application denials. XXXX. Please advise why a credit account with a paid-off balance was reduced out of the blue for no reason. XXXX. If this was an annual review, why was it not processed during the same account review back in XX/XX/XXXX as the XXXX card was reviewed. XXXX. Why after a perfect payment history since XXXX, are all of these actions happening? XXXX. Why was the letter that I mailed on XX/XX/XXXX not responded to? Referencing CFPB complaint : XXXX
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Amex, inquired on XX/XX/2022 Business type : Bank Credit Cards 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: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is an AMEX listed on my personal credit file which I haven't had an AMEX is over 7 years, this is inaccurate and needs to be removed. Please help
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A