Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022, I, XXXX : XXXX, Beneficiary, sent correspondence to AMERICAN EXPRESS " AMEX '' at XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding a major violation on their behalf against my consumer protected rights. After sending them this correspondence, they are continuing to fraudulently and maliciously cause me harm by reporting my consumer experience by means of credit utilization which is in fact ILLEGAL. On top of closing my account without my written consent. According to 15 USC 1681 ( a ) ( 1 ) my consumer experience is NOT included in " consumer report ''. I attempted to address this matter directly with said company and they are continuing to report on the utilization of the account. Please address this matter with them immediately. I am currently gather my documents for my next step which is to take aggressive legal action. I have also sent them a negotiable instrument to bring my account balance up to date and they have kept and accepted my negotiable instrument and continued to send me the same bill in the amount of {$2000.00} in an attempt to defraud me by double dipping.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied the AMEX XXXX XXXX in XX/XX/2022 with XXXX welcome bonus points. After I met the spending requirement, the company only put XXXX bonus points in my account. I called on XX/XX/2022 and created a case and submitted proper evidence. No one followed up with me and I called back on XX/XX/2022 and speak with agent XXXX ( XXXX ) at XXXX XXXX XXXX. She told me the case was closed on XX/XX/2022. She says there is nothing she can do. This is misleading advertisement. I applied the credit card because they have the highest bonus points but American Express did not fulfilled the bonus.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/22, I had a {$100.00} charge " XXXX XXXX, '' which paid for my Global Entry fee renewal. XXXX of the benefits of the American Express Platinum card is a refund for paying the Global Entry fee. Per AMEX 's Terms & Conditions, the charge would be credited within XXXX weeks of posting. Here is the language, directly from AMEX : If you do not see a credit for a qualifying purchase on your eligible XXXX after XXXX weeks, simply call the number on the back of your XXXX. XXXX XXXX are responsible for payment of all application charges until the statement credit posts to the XXXX account. Unfortunately, over XXXX weeks have passed ( actually XXXX weeks ) and I have yet to receive my credit, even after contacting AMEX XXXX regarding the issue. All I am asking for is the credit on my account ASAP, which is what AMEX promised to do in their own Terms & Conditions.
Company Response:
State: ID
Zip: 83854
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I was booking a flight on XXXX. When I went to pay a screen popped up offering me a American Express Delta rewards card. This card would entitle me to XXXX miles and a {$300.00} statement credit if I spent {$1000.00} in the first three months. Being that this trip I was booking was an expensive one, I decided to take advantage of the offer and cut down on my costs. I went through all the screens and was immediately approved. A couple of months have gone by and I noticed no bonus to my account. I reached out to American Express on XX/XX/XXXX to inquire. They told me that I did not qualify because I had already had a card with a bonus back in XXXX. I was never informed of this when applying. If I had been informed, I never would have continued as I already use a rewards visa through XXXX. The representative offered to open a case for me XXXX and today I checked on that case. It seems that Amex is unwilling to correct this. That is why I am turning to you. Like I said earlier, what sense would it make for me to open another rewards credit line without the rewards? Please look into this and make this right.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 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. 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 any purpose.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 I received a credit notification alert stating that a new account has been added to my credit report. I reviewed the alert from the XXXX app and observed that a new AMEX account was added to my report. After further investigating the account, I learned that this account is my wife 's XXXX XXXX AMEX account which I am just an authorized user on the account. I called on this same day and asked AMEX to remove the account from my credit report because I am just and authorized user on the account and the not the primary account holder. AEMX refused to remove and told me the only way to remove the account is if I close my card associated with my wife 's account. I told AMEX that this statement was inaccurate and made a second request, but they still refused to remove the accounts. Since they continued to refuse to remove the account, I then asked to close my card associated with which they agreed to do.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I run a small business and I spend roughly $ XXXX $ XXXX per month with American Express . Our credit limit is nowhere near where it needs to be to operate efficiently. Every month I have vendors break up our bills and run portions, which are immediately paid off by me, and then have them run the remainders, until our full invoice is paid off. This happens several times every single month. Our vendors are irritated with us as a result. Today I spent XXXX hours on the phone with American Express ( again ), trying to increase our credit limit to be somewhere where we can actually operate effectively, all the while being passed along to various " customer service reps '' who tell me that someone else in another department can help me. Finally, I speak to someone whose able to submit an underwriting request to increase our credit limit, and she tells me I need to connect my bank account as part of the credit review process. I explain that we have multiple bank accounts since we use different accounts for different functions. She said this wasn't a problem and to connect them all for the review process. However, I was able to only connect one via American Express ' online portal. I tried to call them back and explain that their online platform couldn't connect with our other bank accounts but while I was on hold my application was declined. So now I'm on the phone with them trying to get our application for a limit increase re-opened so I can give them the bank account information that THEY had requested in the first place and they're telling me there's nothing they can do since the application was already rejected and unfortunately that's their " process ''. They did all manage to tell me that they " completely understood '' while suggesting that I should call them back in 3 business days to try again - because that's what everyone has lots of, dozens of spare hours a week to spend with these idiots. I have never been late paying a bill. I have a total balance of over $ XXXX in my bank accounts. Annually, I charge about XXXX XXXX XXXXXXXX dollars through American Express, not that it seems like they're particularly interested in that. Choosing to go with American Express for our needs was a mistake. They are not business-friendly whatsoever. I hope anyone considering them will reconsider after reading this.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the XXXX Amex XXXX card under the following promotion : XXXX bonus miles and XXXX MQMs after {$3000.00} had been spent on the card. When I reached that threshold, I received XXXX bonus miles and XXXX MQMs. I contacted both XXXX and Amex about this, XXXX told me it was an Amex issue. Amex told me that the " promotions change all the time '' and this was the promotion linked to my account. Basically, it became their word against mine. Had I not been actively checking my account, I never would have known that they withheld the full promotion from me. Pure scam.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: amex serve debit card used as deposit sales account with XXXX XXXX items sold paid for by customer money fails to depost into corresponding account
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A