Date Received: 2022-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : AMEX - AMERICAN EXPRESS BANK , XXXX XXXX
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was offered and applied for an American Express XXXX XXXX XXXX card in XXXX XXXX with a XXXX miles bonus. I received the card a couple weeks later. I then met the requirements as AE acknowledges. But upon inquiring through a chat on XX/XX/XXXX about when the miles would be put in my account, they right then and there determined through a chat conversation that I was not going to receive the agreed upon bonus miles due to a list of possible reasons -- none of which seem warranted and were basically a laundry list of possible reasons of why I might be ineligible. AE had ample time to review my credit history before they accepted my application for this card and included bonus miles. They also should have notified me when they determined that they were going to break the agreed upon offer. THEY made me the offer, and I accepted. Unethical business practices like this need to be corrected. I feel I am owed the XXXX XXXX XXXX XXXX or equivalent cash reimbursement. Thank you for any help you can give. XXXX XXXX. Excerpt from chat of laundry list of POSSIBLE REASONS for denying bonus miles : I appreciate your patience. Upon checking your account it appears that your welcome offer has been declined. Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.
Company Response:
State: NY
Zip: 12804
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm not swayed that the bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The bureaus are reporting inaccurate information on AMEX - AMERICAN EXPRESS BANK , FSB. Also, I tried contacting the bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. AMEX - AMERICAN EXPRESS BANK , FSB XXXX
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently submitted a complaint regarding the reporting of some late payments reported by Amex. According to the SCRA some issues were fixed associated with the account, but the late payments have not been corrected. I have late payments being reported for XXXX, XXXX, XXXX. My Military deploymnet started in XXXX, I had no access to internet, my personal finances or anything. I think it is completely inaccruate and unjust for a credit card company to report late payments against a service member who had no access to his finances at the time. I have highlighted in the previous reponse the issues that needs to be fixed.
Company Response:
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I was on vacation in XXXX and had received a XXXX XXXX XXXX XXXX XXXX result before I was about to head home. I had to cancel the flight on XX/XX/XXXX and try to rebook the flight due to being XXXX XXXX. When trying to rebook the flight in the early morning of XX/XX/XXXX I made several phone calls to Amex Travel. It took 3-4 calls after being on the phone and hold for an hour every time before eventually being disconnected and never received a call back. Especially after the first thing they ask you, is what is a good call back number if we get disconnected. Eventually when trying to search for a return ticket home, they said Ill get credit for the return flight home and theyll waive their change fees, but went on to say XXXX XXXX is still going to charge you a {$300.00} ticket change fee. And the cheapest ticket they could find for me on XX/XX/XXXX was {$800.00} bringing the total to {$1100.00}. I tried telling them XXXX XXXX is waiving any ticket change fees due to XXXX if you book before XX/XX/XXXX. Amex team members told me, thats not true. And I still have to pay {$300.00} change fee. I told them to look on the website where it clearly states there is a complimentary change due to XXXX. I also called airline directly to confirm and the agent confirmed I should not be charged a ticket change fee. And secondly the cheapest ticket I found was about {$470.00} to return home, not {$800.00}. So they were trying to charge me {$1100.00} instead of {$470.00} which the airline credit should mostly of covered. Unfortunately since I booked through Amex Travel, XXXX XXXX advised I will have to deal with Amex Travel.
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I am following up regarding my case. Today, I am reaching out again, with hopes to resolve this fraudulent incident that happened to me with Bluebird American Express. On XX/XX/2021 to the American Express Executive Customer Care, after many filed appeals and miscommunication with American Express Bluebird. I reached out to dispute charges fraudulently made on my account, however AMEX allowed it to be committed on my account and have falsely said that I authorize those charges even though I did not, and have let AMEX know I have not. All these charges as well as location of these charges have been filed with my local police department, as well as a police report made and provided. My disputes were declined by the Bluebird American Express investigation with no clear explanation as of why, they say the charges are authorized but can't tell me who authorized them. I received an appeal of decline stating based upon the investigation there was no error occurs in the question of the transactions, however, I would like to contest that, as I XXXX XXXX, did not authorize any of these charges that AMEX claims to be no error. I opened this dispute for the fourth time as of XX/XX/2021, in hope to get the {$1100.00} that was taken out of my account. As well this I reached out to Executive Customer Care, I was told it would at that time be handled by the Consumer Financial Protection Bureau since I filed a report with them as well and it would be handle there via I as the account holder and American Express, and same as the decline letters, I was told again upon by Bluebird American Express. I received an " resolution by AMEX '' stating based upon the investigation there was no error occurs in the question of the transactions. * ( I have provided both in this email the police report, as well as the charges/document submitted to Bluebird American Express for charges made on my account ) * AMEX HAS LIED AND SAID I AUTHORIZE THESE CHARGES AND I DID NOT AUTHORIZE. In the beginning, I was *not aware *of any of these charges made on my card, I noticed these charges once they were already advanced. I got an alert to my email alerting me that these funds have been taken out of my account, due to a bill not going through. The money taken was my education refund from school. This money was not authorized to be taken out of my account by me or anyone else. * I did not give authorization of these charges, and there are errors of these transactions that were not authorized by me, the Bluebird card holder. * I work in XXXX, CA, however, both locations of these charges are not near me, as both are places I have never been to. At the time of these charges, I did have possession of my card, which was with me at the time in XXXX, CA, hours away from where the fraud was taking place. If the investigators go through my past transaction history, they could also see I *have never withdrawn or purchased anything from either location in all 7 years of my time being with Bluebird American Express XXXX *These are fraud charges, and are not known to card owner*, XXXX XXXX XXXX I reached out to Bluebird to request information for both disputes submitted on dates XX/XX/2021, XX/XX/2021, and XX/XX/2021, and Bluebird American Express did not respond or/and send me any of the requested documents regarding why they declined all my disputes. I am a college student who works an hourly wage, and I can not afford to lose my money, especially during a pandemic. I have done all the things via Bluebird American Express has asked, and I have gotten nothing back from the company to ensure this can be resolved. AMEX 's only response is that these charges are authorized, even though I have submitted many appeals showing what I am appealing for and telling them they can't be authorized, if I didn't authorize them as well as following the police report. I am reaching out in hopes to get some type of communication and support in a solution, to having my funds returned to me. If there are any questions or concerns you may all have, please feel free to reach out to me at any time. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
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: XXXX XX/XX/XXXX -Merchant called me and pressured me into a travel package. After refusing initial offers, merchant kept aggressively pitching more travel/lodging days in an effort to entice me. The merchant also assured me that there was a XXXX day grace period. Based on this, I initially authorized purchase with the understanding that that there was a full refund policy. I also provided a copy of my driver 's license upon request. XXXX XX/XX/XXXX - Merchant emails confirmation of purchase along with purchase certificate to sign and return back. Upon review, I noticed the terms within purchase certificate of 'non-refundable '. I then called American Express and they said they would monitor the pending transaction and suggested I should try to reach out merchant to resolve directly. XXXX XX/XX/XXXX - XXXX called the merchant 's customer service in an attempt to cancel the travel package since I didn't intend to sign the purchase agreement. Customer service noted that requests for cancelation are to be handled via email. I proceeded to request cancellation and obtain full refund. XXXX XX/XX/XXXX - After receiving no response, I again called the merchant 's customer service for an update my email request. The merchant indicated to expect refund within XXXX business days back on my credit card. XX/XX/XXXX - Merchant sends an email confirmation alerting me that the travel package had been activated upon receipt of signed purchase certificate ( this was forged ). Immediately I call American Express to have them open a dispute over cancelled service. f. XX/XX/XXXX - Upon receiving Merchant 's response, American Express closed dispute in merchant 's favor. I again called to have American Express re-open dispute over cancelled service. g. XX/XX/XXXX - Upon again receiving Merchant 's response ( assertion of transaction is 'non-refundable ', American Express again closed dispute in merchant 's favor, I requested re-open dispute again over forged signature on purchase certificate. American Express requested recent documents I signed so they can perform signature match which I provided thereafter. XXXX XX/XX/XXXX - American Express closes my dispute XXXX last time in merchant 's favor. XXXX of reps said their Identity Protection department decided not to perform signature matching for forged written signature on basis that initial authorization of purchase represented 'full consent '. I asked to talk with their Identity Protection team for further explanation and to answer my questions. I was transferred and also called direct number back but person hung up on me after introducing themselves.
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the XXXX bureaus, they have not responded at all.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
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: Once again these common criminals aid and abet con-artists and criminals when they allow one of their cardholders, in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX girlfriend from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the US Government sent her back. We did everything that we could, but the test of a credit card under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( also attached ) which he also did. The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a XXXX won't result in the XXXX XXXX XXXX But either way we did the work, and deserve to get paid, not robbed as was done here, assisted by American Express, who unlike XXXX and XXXX, understands that a lot of their customers are scumbag con-artists, freeloaders, shoplifters and thieves. Please investigate and advise.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: For opaque reasons that are as unfair, American Express is consistently refusing to honor their advertised promotion to me when applying for their card ( see attached pop up image when attempting to obtain a publicly advertised offer ). After having been initially told that I am ineligible for any offers due to me electing to take advantage of their COVID relief program in late XXXX of 2021 and would need to wait a full year to reapply for a credit card with their company. Although the year has elapsed they continuer to not honor their publicly advertised promotion to myself- both when applying on the personal and business level. My credit score is above average and I feel that American Express is not honoring their commitment to the public by singling out applicants arbitrarily based on opaque reasoning that is equally unjust to the applicant. In this case, I am being treated unfairly and it is causing me to question their ethical practices in provided equal credit services to all Americans.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A