Date Received: 2022-03-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hi team, I signed up and was approved for an American Express Delta Skymiles Platinum card in early XX/XX/2022. The card was supposed to have a XXXX $ annual fee but after multiple weeks, this fee was not charged. In order to budget for the holidays, I reached out to American Express support regarding the new card and asked when the fee would be charged. They explicitly stated in writing that there would be no annual fee charge until next year. I went on to budget and make purchases as planned until, after a few weeks, the annual fee was charged to my account on XXXX XXXX. This messed up my budget and caused financial stress due to the unplanned nature of the fee. I reached out to support again who told me that they could not cancel the charge but would put it up for review by the finance team. I reached back out over the next few months but it had still not been processed. I finally reached out on XXXX. XXXX and was told that it had been reviewed and the cancellation request had been denied. This has left me in a situation where a credit card company told me explicitly that I would not be charged a large fee, but they went on to charge it anyway. It is obviously in their best interest to surprise their customers with a fee that they claimed would not be charged. I have lost trust in their support and would still like my XXXX $ back. This is inexcusable.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX calls on behalf of American Express and I have told them in the past to call my attorney that I am filing bankruptcy with, they just called again today XX/XX/2022 @ XXXX am MST
Company Response:
State: UT
Zip: 84404
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone in XXXX, NJ fradulently made a {$1000.00} payment to my American Express card. They also placed a fradulent mailing address onto my Amex account. I do not live in XXXX. I went to XXXX and they started a stop payment. In XX/XX/2021, while I was in the hospital, someone had stolen my credit cards, debit cards as well other banking information. This is how the {$1000.00} payment was illegally processed later on. The person who had stolen my identification and other personal checking information, at the hospital, caused my account to get destroyed. I asked the bank to give me a couple of days to set up a new checking account so that my credit card account would stay in good standing. I could, then, process a payment from a new checking account to American Express. They instead closed my account. Right now, I am gravely ill with hernias and I am severely depressed from some of the hate crimes that have been happening to me. They should not have closed the account, so rapidly, without letting me change the checking account while processing a new payment. I reported this to police and other agencies.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amount of {XXXX for the value and consideration and tender the payment for the complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument. Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. On XX/XX/2022 the account was only credited XXXX You are in violation of 12 CFR 1026.13 and UCC 3-501. I also learned after the fact, that my account was closed on XX/XX/2022 due to a past due balance. I was not informed that my account would be closed, and I have been in communication with American Express informing them of the entire process. It is a violation of the Equal Credit Opportunity Act 12 CFR 202.2 ( c ) ( ii ). I have informed the company and gave ample time to correct the billing error and restore my account. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given the proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my American Express credit card.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The American Express team cancelled my card for no apparent reason. Someone made a fradulent charge in the amount of {$1000.00} last month. I contacted the police and I have a complaint number.Someone in XXXX, NJ used my card fraudulently. I was in the process of setting up a new checking account to make the regular {$40.00} payment to American Express. They cancelled my cards and I would like to re instate the account. I never have a problem with making payments. I think that someone is hacking my cellular phone and personal information. They caused me to ruin my accounts. I never had a problem like this previously. I had this card since I graduated from college.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX I placed an order for wigs to mostly human hair. I received a email state the wigs had been shipped. When trying to track the PKG thru the email that was sent. It comes back undeliverable. When trying to contact the company I found out that they are in the XXXX. And charged my card under ping pong fantastic connect. I called American express. Who sent me an email stating they were disputing my charge? Not they say they need more proof. I can not get an email from American express to respond to. I have been on hold more than,2 hours to no avail
Company Response:
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Up until this point I have had no issues with American Express. I have never missed payments, never had poor experiences, etc. That unfortunately has changed. Recently my wife and I both applied for the Delta Gold card ( within the past month ). She was instantaneously approved whilst I was asked to provide " more documentation ''. This already felt odd from the outset given my credit history is substantially longer and my credit score was also higher than hers. She even had a small but nonetheless open collections account that we had been unaware of at the time of her application. Yet she was still instantaneously approved and I was not. I received a letter in the mail from Amex demanding that the documentation I provide by mortgage statements/home insurance statements etc. I also need to provide proof of my name! This is when it became apparent that I was suffering discrimination and the XXXX was being violated. My wife and I recently became homeowners and thus our address changed on our Amex accounts we were now owners instead of renters. Why was she not asked to provide supplemental documentation. Why is it just assumed that she is being entirely truthful and forthright about her address. Simply put, she has an entirely Caucasian name. We have not processed a last name change yet and thus her name comes off as entirely Caucasian. Both my first and last name clearly suggest I am a non-white person. The insinuation hear is that I as a non-white person I am not as creditworthy and may have made a false statement in claiming that I own a home ( or even gave a false name according to Amex?! ). This is simply unacceptable. Perhaps the true final nail in the coffin was my wife had never remembered to change her address when we became homeowners. Amex had my new address already, but they hadn't had hers. She had applied for something else previously ( and was instantly approved ), and informed me she got a letter from Amex saying it appeared her address in her account was potentially incorrect. Yet she was still approved instantly. Amex changed the address in her account on her behalf, and just simply accepted the fact that it's her home. Honestly, my credit report clearly shows both my address as well as my mortgage. It's absurd. I went from being a XXXX, XXXX, XXXX XXXX XXXXXXXX youth to someone who is about to earn a XXXX XXXX XXXX, has a credit score well beyond the average for my age, was a first-gen home owner at XXXX despite my upbringing, and still my worthiness within the financial marketplace is questioned, in fact my story invalidated, because of something I can not change about myself.
Company Response:
State: WY
Zip: 827XX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiries on my credit. XX/XX/XXXXXXXX XXXX XXXX Amex XX/XX/XXXX XXXX
Company Response:
State: NV
Zip: 89120
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have made sure to make my payments on time for AMEX XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: After previously requesting that XXXX XXXX not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A