Date Received: 2022-04-28
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: XXXXX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This complaint is in regards to American Express and their Delta Skymiles Reserve Card. They claim to have a benefit for TSA PreCheck ( below is the post from the AMEX website ) : " Application Fee Credit for Global Entry or TSA PreCheck Receive either a {$100.00} statement credit for Global Entry or a credit of up to {$85.00} for TSA PreCheck after you apply through any Authorized Enrollment Provider. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck, depending on whichever application fee is charged to your eligible American Express Card first. The application fee credit for Global Entry or TSA PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card MembersXXXX XXXX XXXX XXXX XXXXXXXX American Express Card Members. Additional Card Members on Consumer and Business Platinum and XXXX accounts also receive the benefit when the Global Entry or TSA PreCheck application fee is charged to their eligible Card. For XXXX XXXX XXXX XXXX, Delta SkyMiles Platinum Card, Delta SkyMiles Reserve Card, Delta SkyMiles Platinum Business Card, and Delta SkyMiles Reserve Business Card either the Basic Card Member or the Additional Card Member ( s ) on the same account can receive the benefit when charged to their eligible Card. The first application fee charged to the eligible American Express Card will receive the credit. Please note, there is only one ( 1 ) statement credit in a 4- year period for Global Entry or in a 4.5 year for TSA PreCheck available per Card account. '' - I have transactions on XX/XX/XXXX whereby me and my wife paid for TSA PreCheck at a preferred TSA.gov company ( XXXX ) and charged these fees on our AMEX Delta Skyline Reserve Cards. - I was told by one online AMEX support associate that XXXX was not a company they reimburse these fees for. Was then disconnected from the chat session with this associate. - After reconnecting with the AMEX support, I was also told by another AMEX support associate that they did not cover but ONE reimbursement of fees but the disclosure says the primary cardholder AND the additional card members.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX submitting complaint without any influence from any third party or agency. Please see attached documents. I applied for several Credit cards with American Express both business and personal was denied all times. Credit report was pulled several times without benefits. My consumer rights were violated address all issue within 10 days of this notice.
Company Response:
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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/XXXX for a XXXX it was a XXXX gift so the item wasnt able to be used until XXXX XXXX. The item never worked when we tried to crank it up and found out the chain latch was broken on it. I tried reaching out to the seller and they never responded or tried to repair it. I reached out to Amex and wad was never contacted me even though I reach out to speak to the person who was handling my claim to be able to send them a video of the item. They denied my claim saying merchant provided proof the item was under warranty until XXXX XXXX but what hood is a warranty of the merchant refused my calls or didnt honor the warranty
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: It has come to my attention that after several years of communications with American Express about two credit cards that were opened in XX/XX/2016 by fraud, that they are still appearing on my credit reports and now appear as charge offs. Furthermore I received a collection letter from a collection agency trying to collect on these cards. I have reported this also to the 3 credit reporting agencies that they have failed to respond to my letters about these account. First account that is on my report is XXXX, and second is XXXX. These are fraudulent accounts.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation credit card XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation address PO BOX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Approximately XXXX weeks ago I ordered a replacement card through the bluebird app. I have yet to receive my replacement card. I have tried to withdraw the funds from the card through a service that they offer in the app. No matter how much I try to withdraw it says that the transaction can not be approved. I have been trying to call and speak to somebody and customer service since the XXXX of XXXX. This morning XX/XX/XXXX, I was finally able to speak to somebody who told me to just try using my card. After explaining to her three times that I do not have the card because I never received it she told me to wait until tomorrow and then hung up on me. Every time I have tried to call back I get an automated message saying that the computer system needed to take my call is not available. Then it tells me to push zero to speak to a customer service rep and hangs up on me after I push zero.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I was encouraged by XXXX XXXX XXXX to come out for a trip to XXXX for a discounted price of {$110.00}. What I did not know is that this was an attempt to sign me up for a timeshare. A timeshare that I was told I would be able to travel anywhere in the world with my family. However, after receiving the timeshare and beginning to pay for it. When I went to setup my first trip I was told I was not allowed to to my preferred destination at all and when I asked when it would be available I was told that they did not know ( this destination was presented to me in my XXXX information and pitched to me by their sales team ). I then paid over {$1000.00} to sign up for the program and then agreed to what I thought was at anytime I chose timeshare ( this was not the case ). I then fell behind on payments which has caused me stress and anguish due to my circumstances at the time and was not given an opt out option. I have already paid a few thousand dollars into a program I was not able to use once, even when I tried. I also do not have the ability to use the timeshare for the entire year of XXXX at all but am still asked to pay HOA fees, late fees, and a monthly fee of {$240.00} where only about XXXX XXXXa month is going to my actual loan. The interest I am paying was not based on credit just a predatory lender that took advantage of a great customer.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I booked a trip via the American Express XXXX XXXX ( Trip ID : XXXX ). One of the benefits of the program is that they will price match the lowest rate of another travel website. I found a rate that is almost {$800.00} cheaper than the one that I booked with American Express. When I go tot he website to submit my lowest rate guarantee claim, I am continue to receive errors. After being on the phone with AMEX XXXX for over an hour last night I was told someone would contact me today about it. When I received a call this morning from a supervisor they stated that there is nothing that they can do unless I submit the form online. Multiple days have now passed and the form continues to error out online and there is no possible way to submit the form. This is verging on fraud and without a resolution I will be asking my state 's Attorney General to begin a criminal investigation into the matter.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A