Date Received: 2022-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sent letters and called the credit bureaus as well as the merchant to sold this issue. I dont have any late Payments and if so can they please send me something. I never received any bills online or mail.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: i sent a few disputes regarding an account that isn't mine its been well past 2 months now and i have not gotten any communication or results. saying this account is mine.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ref case XXXX I had previously made a request for statements in an attempt to reconcile my accounts. I had asked for statements and also asked if I had any other accts with the company. checking, investment, loans, ect... Each time I called in, I asked, and the answer is always no. One of my recent credit reports had an account I didn't receive any notifications about. looking at past reports, the account didn't pull up either. When I asked about that account wondering where it came from and if I could get statements, which i didn't receive and the acct was removed. It seems like someone else had access to my acct and I should have been the only one with access. I didnt use virtual cards, or have anyone added and just when the covid 19 hit, I started to notice things were not making sense. My car was robbed and my purse stolen, much like the 1st time in DC that i lost my credit cards ss card, Identification and birth certificate in DC. I had relocated to CA for some personal business and had changed my address with post office and I think online. In 2018 came back to XXXX area and my car was broken into again. So notice went out to my cards and dmv. I wasnt aware of anyone stealing my identity or even having the right to my finances. I had looked thru the statements and sometimes I question if I had more than one card in use at the same time? I shouldnt have, But If I had a replacement, the other must of been lost or stolen and would no longer work? So as i have always been on time with my payments, having them on my bill pay thru my bank account, It wasnt until the pandemic that I started having trouble. I had some account lock me out, lost my housing and had to pay for housing when it was covered by the program, Housing is key. As i spoke with customer service more than once explaining my situation, I had tried to file with the travel insurance they offered since this was an unexpected expense for an unexpected event, and thought if I was on a vacation, not working on something, i dont think I would vacation in XXXX XXXX XXXX it wouldnt make sense. so i had filed for ins. coverage for the cost of a room during the mandatory stay and the claim was denied. So forced to prepay for something that was covered by the pandemic housing program, i asked them what I should do besides the defer pymt and feel a little security with the no changing of credit scores during this situation. I had to wait for the program to pay back the funds I shouldnt of had to use, but did and that as soon as I got the refund? I would make my payment and to please not charge the fees for something out of my control. As nothing has really worked as far as protecting my finances or personal information, i took a look at the coupon that is returned with payment and had looked at the encoding line and noticed something that made me think I wasnt getting all the information on my account. Like perhaps other accts did exist, but they just didnt let me know and let a person I dont know use it? i could be wrong. since im not sure but usually the line has the min due, the bal on acct, the acct number, and date. this one looks like it has another account attached. which I never had a statement for but if I made check payment, my payment would have gone there? where is that? my acct usually ends with XXXX, or XXXX i think before replaced. I had only a macy card with amex too. since I never really used it but once. Kinda saved it for when I could enjoy it more, like have a closet for clothes or space. It had since been closed due to my credit issue. so the copy im giving shows the acct on top that matches card, the encoding has an acct i dont have XXXX, with the basic info following,. Its in the wrong order from what i ususally see, which makes me think its kinda an acct too? but I need to see if what i see is true. if so, why dont you tell acct holders they have other accts when asked.
Company Response:
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Quite simply I have a charge appear on my card once a month from a vendor on an Amex card which they dont know how to fix. They are partners with this company. I havent done business with XXXX ( the company in question ). Several ( many many ) phone calls, emails, and no resolution. Every month I am forced to can Amex over the same thing. We have tried to replace the card, block the vendor, communicate with north Amex XXXX XXXXXXXX XXXX but to no avail. Help!
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Inadvertently my credit card was used at my company 's credit card processor, and that was a violation of the terms of service in the agreement that American Express had with me as a car holder. Time of the incident, I was unaware that this would be an issue for American Express, and subsequently, when American Express contacted me to inform me of the issue, I made all corrective measures they requested, sent in all documentation they requested, and complied it explicitly. Fast forward to 2022, my account has been permanently notated to deny me any product that I've ever applied for with American Express. They've continued to treat me as a second-class citizen ; they constantly promote and advertise to my businesses and myself new credit cards to apply for, new loans to apply for, and other additional products and instantly decline me at any time I've done in application. I've been decline now consistently for almost XXXX years, and I feel like I am not getting my fair right or chances in the event of receiving a fair credit valuation when my applications are submitted. I understand that there might have been a trial period or probationary., but I do not believe that should be something that would be in place indefinitely. More so, if the company has an issue with me in general, the proper action would have been to close the accounts at the time of the incident versus allowing me to keep both of the accounts. they chose to keep my accounts open, they chose to keep me as a customer, I'm just not understanding why I am blacklisted and treated completely unfairly at the time of every credit application. I should have the right to a free unbiased review when applying for new products. Where I should at least be instructed by the company if they wish to do business or not do business with me. I contacted American Express and tried to make this complaint about being maltreated and unjust at every opportunity I've applied for credit. They could transfer me from department to department, and they said they would get back to me in about XXXX weeks. When calling XXXX XXXX to follow up on this complaint, I transferred to multiple departments again. Not once I've been contacted regarding my complaint not once have I been emailed in their secure message center about my complaint not once has this company seem to give a genuine care or even a half-fast attempted replying. You can apply for multiple applications over the course of nearly 24 months. I do believe that they completely treat me as a customer of some minority. And as of most recently, they now decided to lower XXXX of my credit lines due to my ability to make payments on the account that are symmetrical to some sort with the amount of balance that is owed. This is undoubtedly absolutely falsified information come as nearly most of my payments are at least half if not the full balance when making payments. For a customer that pays the balance nearly in full every time, I'm not sure how they found this to be a fact and their discovery. Not only do I feel completely beat down and frustrated beyond all belief. I've also taken significant credit reporting impact by every application they have advertised me and provoked me to apply for leading to an ultimate decision of denial at the end. Additionally, the lowering of my recent credit limit also impacts my credit in a negative fashion. I don't understand how I officially started this complaint with him, the one I'm referencing in this complaint back on XX/XX/XXXX at approximately XXXX XXXX XXXX Standard time ; the case ID was : XXXX.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I notified American Express over the phone that I was a victim of identity theft and there was an unauthorized transaction on my credit card statement. I was instructed to submit a written statement by fax, which I did, and call back to initiate a fraud claim. I contacted the Fraud Department on XX/XX/XXXX to ensure they had received my paperwork and to initiate a fraud claim. I spoke to XXXX in the Fraud Department, and he confirmed that they had received the documents, initiated a fraud claim, and provided me with Case Number : XXXX. He stated that a credit will be applied in 14 days. I did not receive my credit so I called for an update, and I was told that I would have a resolution by XX/XX/XXXX. When I called for an update, they stated that the case has been resolved on behalf of myself, that they removed the charge, and that a credit will be applied. I called again XX/XX/XXXX when the credit still had not been applied and they stated that they were going to reopen the case, would have final resolution by XX/XX/XXXX, and that someone will call me in 48 hours with an update. No one called. XX/XX/XXXX, I spoke to them again and they ensured me that I would have a resolution by XX/XX/XXXX and that someone would call me with an update in 48 hours. No one called. As a loyal customer and victim of identity theft, I feel that I am being treated unfairly by American Express and its employees. For three months I have been instructed to give them more time and promised final resolution dates that they never follow through with. They already resolved the case and granted the claim on my behalf but keep pushing me off when I am asking for my credit to be applied.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX there was a credit inquiry made on my report by American Express XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being investigated.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: Purchased pre-paid American Express gift card on XXXX at XXXX. Went to website and the card says is not activated, went to XXXX and was told that there is nothing they can do once the card is activated by them, contacted card company on XXXX to resolve the issue. Was told that it will be resolved in 3 business days, after the full 3 business days, I received no communications. I contacted the company again and was to told to wait another 2 business days. As of today, XXXX, I have not received any communication as to the status of the card. Both XXXX and the card company refuses to provide any resolution.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: They sent me an offer for a card I couldnt get because they said I already had a card issued from the same family of cards and couldnt qualify for it until 90 days after the first card was issued. But by then the offer will expire. False misleading fraudulent offer. If they ran a hard inquiry that hurts my credit. The person I talked to would not give me any straight answers
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ATTENTION TO AMERICAN EXPRESS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4000.00} does not belong to me. This account was fraudulently opened through this company AMERICAN EXPRESS in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Company Response:
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A