Date Received: 2022-05-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express Platinum card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XX/XX/XXXXas an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express cash magnet card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XXXX as an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a charge card with American Express that I opened in the summer of XXXX. A few months after getting the card I activated the Pay Over Time benefit which would allow me to make purchases with interest at a limit of {$1500.00}. Shortly after, I realized it made no sense to do so because I was already paying off my balance each month, so there would be no reason to accrue the extra interest so it was turned off. Several months later, as I was continuing to make my normal monthly payments I noticed that my monthly balance was coming in higher than what I was spending and realized Pay Over Time had been activated without me doing so. I assumed that this was a common complaint because shortly after I reported the issue I received a notice in the mail from American Express stating there had been an error in some accounts where this was activated without customers knowledge. Fast forward to XXXX and I notice once again this feature has been activated on my account without me initiating it. Well because of this, I had been paying hundreds of additional dollars per month because American Express took it upon themselves to activate the feature without telling me. I reached out several times and honestly felt offended by the idiotic answers the representatives gave " oh you don't accrue interest because you pay your balance off each month '' - that's incorrect. Remember, you now have a Pay Over Time limit of {$1500.00} that is constantly accruing interest which is now separate from your balance of charges that don't fall under pay over time and you are only paying a portion of the amount that is collecting interest. Additionally, when I realize the issue and address this with the first representative to let them know Pay Over Time has been activated before without my knowledge, " I'm sorry to hear about this '' and not take responsibility because that is always what you are taught to do in this situation. Second representative " we are unable to see your Pay Over Time transactions that far back. '' Why is it different now? What I am now being told is they are unable to see when this has happened before and that any interest will only be charged if the account is not paid in full - but why hide the Pay Over Time balance and your regular monthly balance if this is not an attempt to deceive and charge additional interest?
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Problem with a purchase or transfer
Subissue: Overcharged for a purchase or transfer you did make with the card
Consumer Complaint: American Express Serve Pre-paid Card The pending transaction becomes a posted transaction yet Serve will not release the hold/pending transaction. I discovered this recently as I was alerted my card was in the negative. When I looked, I had pending and posted amounts for the same transaction. There were two transactions. One each to XXXX and one to XXXX XXXX lines. I called Serve and they told me that when the merchant finalizes the transaction, the pending/holds will go away. I questioned this because both transactions had posted. The posted amounts matched the final amounts as expected ( slightly different from the hold/pending amounts ). I am having the same issue once again with a restaurant transaction. In looking at reviews, it seems this is a common practice for Serve Prepaid cards and that a number of other users have had this same issue. To me as a consumer, it doesn't feel right. Either it's posted or pending. Not both. Their response is that it can take up to 30 days to clear out the pending. How can that be legal if the transaction has already posted? Thank you!
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: In accordance with the Fair Credit Reporting Act, American Express ( Partial Account # : XXXX ) has violated my rights. 15 U.S.C. 1681 Section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Date : XX/XX/2022 I realized that I was being charged for an American Express Card that is no longer used and the Annual renewal of {$690.00} needed to be paid. I had received a call from Amex and when I tried to cancel the card all together. The Amex representative said " you will still need to pay Late Fees {$78.00} and Annual renewal charges ( {$690.00} ) for a total amount of {$770.00} because the renewal was XX/XX/2022 and its past XXXX for a refund on the renewal fees and late charge. It is still the obligation of the card holder to pay the renewal fee past XXXX no exceptions. This is not stated anywhere within the monthly statement of the renewal charge. Plus if you don't use the card and don't need to pay regular payments you may incur this charge without knowing like I did. And I am now forced to pay without even knowing especially when I setup a paperless account. I tried to get the card canceled and charges removed but the American Express representative said I need to pay the renewal and fees and at the same time card will be suspended. I just want out of American Express and dont want to be held to my renewal fees and late charges because I dont and will not use the card in the future.
Company Response:
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XX/XX/XXXX XXXX charged my amex account {$150.00} twice. Amex allowed this fraudulent post and never flagged these large charges. In previous transaction I've only charged no more than {$60.00} and less yet Amex allowed this suspecious transaction of XXXX through twice on the same day. After flagging these transactions totaling XXXX on amex phone recorded call I was not given a temporary credit. I informed amex that my account was on auto pay and that XXXX would need to be credited to avoid those fraudulent charges from being pd. I truly feel amex is not following reg d a d violating other bank regulations
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The XXXX credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXXAMEX XXXX XXXX XXXX Disputes have been filed internally through the XXXX website, but all attempts to remedy the situation have failed.
Company Response:
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
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: A merchant ( a hotel ) has charged me for a cancellation fee which was unauthorized. I have attempted to resolve with the merchant who agrees it was incorrectly charged but have not yet refunded. At this point my only recourse is to Amex who have improperly billed this charge to my account. Amex should be refunding this charge on the basis of the Fair Credit Billing Act because ( a ) the charge was never authorized in the first place, ( b ) this qualifies as charges for goods and services that weren't accepted or delivered as agreed and ( c ) qualifies as a complaint about quality of goods and services giving me the same rights against the card issuer as against the seller ( see https : //consumer.ftc.gov/articles/disputing-credit-card-charges ). Details of the claim are : On XX/XX/XXXX XXXX reservations were made with XXXX for XXXX rooms at the XXXX XXXX XXXX. Each reservation was paid for with points. On XX/XX/XXXX, the next day, I called the XXXX XXXX member line asking if I could cancel the reservation for no fee. I was told yes I can cancel without paying the fee. This call was recorded and XXXX are on record confirming that they have listened to the recording of the call and they agree that I was told I could cancel for no fee. Shortly after, on XX/XX/XXXX, I received XXXX confirmation emails that the rooms were cancelled. Both emails stated that the reservations were cancelled, and points were refunded back to the account. Neither email stated a fee was charged an indeed no fee was charged per my expectations. However, almost one month later on XX/XX/XXXX, XXXX charged a fee of $ XXXX ( total {$2900.00} ) to my Amex Credit Card. This was actually XXXX weeks AFTER the trip was scheduled to be completed. I have spoken to various people at XXXX customer service line, all of whom have agreed that the charge was inappropriate and will be refunded. Since the charge was initiated by the hotel their plan was to ask the hotel to reverse the charge. The XXXX customer service line and the hotel are both on record agreeing that the charge is inappropriate. The hotel has agreed in writing ( I have copies of emails ) that they have heard a recording of their representative telling me there would be no charge but they said it was a mistake on their and they would like me to accept a credit towards a future stay at that hotel ( to be completed by XX/XX/XXXX ) in lieu of a refund of this {$2900.00} charge. This is not acceptable to me. The hotel asserts although I was told by their operative that there would be no fee, and that they have listened to the recording and agree I was definitely told this, it was due to a " human error ''. That does not change the fact that I cancelled based on what they told me and it was their error. I am not willing to accept a credit for a future stay because had I been told at the time there would be a fee to cancel I would have chosen my options differently e.g. transfer the room to others who would want to stay there or make the trip myself. I only cancelled because I was told by the hotel that there would be no fee. I also have copies of the XXXX cancellation emails received ( with no fee ) and a copy of some email correspondence with the hotel where they agree that their operative stated there would be no fee. I have audio recordings of XXXX representatives telling me that this would be taken care of and the charges refunded. What I am looking for now is a full refund of {$2900.00} ( representing both charges of {$1400.00} ). Thank you very much.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. Closed/paid off Still active Never had/Old XXXX & XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A