Date Received: 2022-04-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: American Express posted a transaction marked as fraudulent to my bill and then reported the transaction to credit bureaus, misrepresenting my credit utilization. This mode of erroneous credit reporting possibly results from automated processes, so many American Express customers may be affected. My experience entailed the following events : - XX/XX/2022 : American Express ' fraud prevention team sent email and voice notifications of a suspicious transaction on my card. The email notification indicated that the charge was denied at point of sale. I spoke with a fraud prevention team representative to confirm that the transaction was fraudulent and to request issuance of a replacement card. The representative communicated that the charge was prevented and that a new card would be issued. - XX/XX/2022 : I inspected my transaction activity to make a payment before my statement closing ( day-of ), and noticed that the fraudulent transaction had posted to my account. I submitted a dispute and called American Express for clarification. A representative stated that the posted transaction was separate from the transaction previously marked fraudulent, despite the transactions having the same source, date, and amount. The representative offered no solutions for adjusting my bill statement or subsequent reporting to credit bureaus. As my experience indicates, there are flaws in American Express ' fraud prevention and credit reporting processes that can result in misrepresentation of their customers ' credit utilization. Because utilization is a key attribute in credit scoring, these errors adversely impact affected customers ' attempts to acquire new credit ( approval or pricing ). If the flawed processes are automated, this is a systemic issue that could affect many American Express customers.
Company Response:
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Signed up for XXXX XXXX card through American Express. Was excited about getting some skymiles to purchase airline tickets so I paid my taxes to IRS with XXXX card and that really should have been the end of the story. Reached out Amex through their app via chat and requested that my limit be increased. I requested my limit be increased to a little over $ XXXX. I explained to Amex that I have really good XXXX XXXX and $ XXXX in my checking account so I didn't understand why my limit was so low. They refused to help me increase my limit and provided no reasons on why my limit couldn't be increased. Spoke with manager named XXXX XXXX employee id # XXXX ) and he refused to provide any information as to why Amex was unwilling to help me. I thought they would want me to use this card, but why are they making this so difficult. Secondly, why won't they tell me why they can't raise my limit, isn't that their responsibility as a credit card company? Lastly, because I'm not able to up my limit, they will decline payment to IRS and I will incur late fee because of their unwillingness to help their own customer. I wish I never would have even signed up for their card. They make it seem like it will be easy to wrack up XXXX, but then refuse to give me answers and cause me to have late fee with IRS. Someone needs to do something about scam artists like these.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from AMEX on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from American Express and I have been injured.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a XXXX Amex in XXXX of last year. As part of the intro offer, I was supposed to get XXXX bonus miles, which was a big part of me opening the card. I never received the miles, and no one can explain why. All Im told is that the system denied the offer without any further specifics. If there is no real reason, it makes it a false promise. If there is a real reason, someone should be able to explain it. I have reached out several times, the last of which was today. I have simply asked to be given the bonus or a reason for not giving it to me. I have been promised investigations and follow ups, none of which seemed to have ever happened. No one has gotten back to me until I try again. The. I have to start all over from the beginning with each new person/ supervisor. This has been going on for months, and it has become clear that Amex does not care to help or do what is right.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I used AMEX online chat comfrim I have offer spending {$4000.00} and I will get XXXX XXXX XXXX when I add additional card. I added additional card at XXXX XXXX atfer I spend {$4000.00}. I didn't recived any points. I check every month and online chat with they customer service. every time they let me check with 8- 12 weeks. until today I talk to customer service again. this guy told me the case was closed XX/XX/22. and they tagged as a Non-Amex error. Case ID : XXXX.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Yes, I have tried to contact you guys multiple of time over the phone that I'm in the military and that I was told that american express Would waive off the annual fee but i kept getting different answer over the phone XXXX rep has told me that i wouldn't need to do anything and a few other rep took down my social number and date of birth that i would need to submit a claim.. is there way for me to get this done asap? I'm just tired of getting different answer on what to do.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Applied to upgrade my American Express XXXX credit card to the XXXX XXXX. I only applied because there was a welcome offer on my XXXX homepage that said I could get XXXX bonus miles. When I received the card and inquired about the threshold for spending/timeframe needed for the offer, they claim that there's no record of me being eligible for the XXXX bonus mile offer and they can only give me XXXX miles and XXXX MQMs.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: accounts were opened in my name, and do not belong to me. Please delete.
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: American Express utilizes a third party collection company known as XXXX XXXX based in XXXXXXXX XXXX. XXXXXXXX XXXXl represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by American Express will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and American Express is using a third party to avoid the regular banking rules and laws established by the United States Government.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2022-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They are charging me {$110.00}. At the time when my account was closed, I only owed the minimum of {$40.00} on each card. Amex continues to say that I have returned payments when I recently update my bank to American Express. The bank account is called XXXX. Moreover, American Express did not give a good explanation as to why my accounts were cancelled. My credit score was the same for the past twenty four years since I had these cards. I made the payments, on time, each month. I am XXXX, I receive social security and I am self employed. I believe that the ceo of this company is XXXX. They also have different types of relief, at American Express, for people who lost their job, who need help making payments, or whose credit is less than perfect. My credit did not not matter. I was never offered these opportunities. In my case, I did not need help making payments, I was admitted to the hospital in XX/XX/2021, and someone had stolen my credit cards ( wallet ) and they stated hacking my phone number and ruining my accounts. I had no problem with my accounts until XX/XX/2021. I would like to reinstate the accounts. American Express wanted to close them for discriminatory purposes. I tried opening a new card and I was not approved. There are other card members, with the same credit score and other financial difficulties but he allows them to stay card members. I had the same problem with XXXX card. Is there a different solution for these two cards? It may prevent me from purchasing a home or buying a car.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A