Date Received: 2022-03-14
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: i call them to make a pymt on my acct, they could not find my acct but bill me XXXX i dont want late or interest chgs
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, American Express sent me a marketing offer through email, offering me XXXX sky miles if I added an authorized user, and they spent {$500.00}. I read the offer carefully, added my husband to the account through the site, and he met the requirements in XXXX. I contacted contacted Amex on XX/XX/XXXX inquiring on when I would see the miles added. The rep was not aware of the offer but filed complaint XXXX, and asked me to upload the offer email to their document center, which I did the same day, I contacted once since then and was told the case was still being worked. Today XX/XX/XXXX I contacted them and was advised the case was closed weeks ago, and that a different vendor code was on my add authorized user. I did not have an option to add any code and the offer does not state I had to follow a specific path, such as using the link in the email, or adding a code to qualify. The supervisor offered to create a new case and start again, and asked me to upload the same documents that are still visible in my document center, which the rep I spoke with before the transfer to him could see. I checked, and they are still visible in my document center. He stated I would still not be contacted on the outcome. I feel this was a bait and switch on the part of Amex and that their marketing in this case was deceptive.
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Im the consumer 12 cfr 1026.2 ( 11 ) XXXX XXXX bringing to the CFPB false and deceptive practices on the behalf of American Express. 12 cfr 1026.1 ( a ) speaks about the consumer protection and federal laws to apply and assert so consumers wont be taken advantage of. 12 cfr 1026.1 ( b ) detail the purpose and explain the regulation for consumers protection according to the practices among organizations. 12 cfr 1026.1 ( c ) ( 1 ) ( i ) I, XXXX XXXX extended my credit to American Express. 12 cfr 1026.1 ( c ) ( 1 ) ( iii ) American Express is supposed to produce the finance charge to the consumer clearly and conspicuously so the consumer can clearly understand the true cost of credit. In XXXX I filled out an application 12 cfr 1026.2 ( a ) ( 3 ) with American Express, on XX/XX/2021 I was approved with American Express reference : XXXX. I, consumer 12 cfr 1026.2 ( 11 ) gave my social security credit card 12 cfr 1026.2 ( a ) ( 7 ) to American Express for the purpose of 12 cfr 1026.2 ( a ) ( 12 ). I gave American Express 12 cfr 1026.2 ( a ) ( 14 ) with my social security credit card 12 cfr 1026.2 ( a ) ( 15 ) ( i ) for a 12 cfr 1026.2 ( a ) ( 15 ) ( ii ). American Express then provided the consumer with a 12 cfr 1026.2 ( a ) ( 16 ) when 12 cfr 1026.2 ( a ) ( 2 ) does not include 12 cfr 1026.2 ( a ) ( 2 ) -1.ii, American Express will only extend the credit if the consumer sign the credit sale which is false advertising. American Express is acting as a cardholder 12 cfr 1026.2 ( a ) ( 8 ) labeling themselves as if they extended the consumer credit. American Express also labels itself as a creditor 12 cfr 1026.2 ( a ) ( 17 ) when the consumer is the creditor only a natural person 12 cfr 1026.2 ( a ) ( 22 ) can be a creditor only. The consumer is only supposed to pay a finance charge 12 cfr 1026.4, American Express has been charging the consumer different charges than the finance charge which is fraud and deceptive to the consumer and illegal practices on the behalf of American Express. American Express has locked the consumer account to get any credit pertaining to the consumer asserting his rights and has made the consumer default on his bills, consumer is unable to provide for his family and business, and if American Express dont fix this problem it will report on the consumers report and will harm his reputation. 12 cfr 1026.4 American Express havent clearly and conspicuously disclosed to the consumer the finance charge which according to the CFPB regulate for banks to practice legally and protect consumers for inaccurate information. The consumer has an unlimited 12 cfr 1026.2 ( a ) ( 20 ) which the consumer notified American Express and they ignored the consumer rights to dispute the inaccurate information and charges and locked the consumers account.
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX XXXX XXXX has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My husband and I have been customers of American Express for a decade or so. After making on-time payments for years, in the late summer/early fall of XXXX, I shorted a payment by {$15.00} on accident. Seeing the error I quickly made the payment so the account would not reflect as past due. Little did I know that {$15.00} missed payment would trigger penalty based pricing and nearly double our interest rate. My husband ( XXXX ) contact American Express on approximately XX/XX/XXXX for a separate matter and was advised that our interest rate was an incredibly high 29.24 %. We were shocked to find out that our rate went from a variable rate of 17.24 % to 29.24 % because of a {$15.00} discrepancy in payment in XXXX. Looking back through statements, I finally found the notice indicating the increase in rate, but it was in small print and not easily located. When my husband inquired of the American Express representative on how we could return to our regular contract rate, the representative was quick to offer to have it changed back for the next statement cycle and advised him that if we had called earlier, they would have taken it off at our request. The fact that American Express has no guidelines on when a customer 's penalty pricing will be removed is unfair and disparate treatment. All of their customers are not being treated consistently. Most credit card companies I know will return a customer to regular pricing after six months of consecutive on time full monthly payments, but penalty pricing would have continued indefinitely had we not contacted American Express regarding a completely different issue. How can a credit card company get away with such treatment of their customers? We are not wealthy by any means and the increased APR caused our payment to go up nearly {$120.00} per month. {$120.00} during the covid pandemic that could have put food on the table for our children, helped provide for tutoring for our struggling XXXX aged XXXX learning virtually, or allowed for us to live with some peace of mind.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have attempted to have Amex remove an account that was opened and used by a former spouse, after our divorce, without my knowledge or consent. While it has been years they and they were made aware of the situation this account records remain in their files and is harmful to me. I did not authorize this account and was opened and used without my knowledge.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice of a debt owed in XXXX. I submitted proper documentation to prove that the debt did not belong to me. I also had a police report from XXXX as someone had been using my social security number under a different name that was not mine. American Express provided documentation from a bank account being used to pay the original debt that also did not belong to me. I had once again opened a dispute to exercise my rights under the FCRA, requesting any proofs with my name, signature, ID, and any other information used, never received this, and was bombarded with email communications offering me a chance to settle the debt and be offered a new card. I did request in the past that they stop harassing me and did so again today XX/XX/XXXX. This account is continuing to keep a name and address that I have never lived at showing on my report and out of greed they have made no attempts to remove it.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Dear sir, Recently I have applied for an American AMEX XXXX XXXX XXXX credit card from americanexpress.com. I got my new credit card and have not yet received my welcome offer. They mentioned that you would get the following benefits a {$300.00} Statement Credit and 12 months 0 % APR at the time of application. I have talked to them in this regard, but now they have denied the welcome offer because you have already been a customer with us. The terms and conditions mentioned as The welcome offer, intro APRs, and intro plan fees are not available to applicants who have or have had this Card. I have had a different Amex card, not the same one which I have recently received. Please help me in this regard ; otherwise, I have to pay with interest, which would be a burden for me. thank you
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Ref : XXXX Thank you for applying for the XXXX XXXXXXXX XXXX XXXX XXXX Card . We're writing to let you know we can not approve your application at this time because American Express cancelled your previous account ( XXXX ). The problem is that my account was not canceled by them and in fact the last card I had with them was an XXXX card and they said once I had the card for XXXX months I was eligible for other cards but they lied.
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express contacted me numerous times at multiple addresses, against various state and federal laws. American Express contacted me in XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and XXXX. These contacts were made despite multiple requests with the XXXX Opt-out, the Federal Trade Commission , the XXXX XXXX Opt out , the XXXX XXXX Opt-Out and direct requests made with the CFPB. I am so offended that American Express continued to reach out after multiple attempts. There company has failed to rectify the situation. If I was to make repeated contacts to an individual or to another business after repeated requests i would be jailed and probably charged with criminal charges. Yet, American Express has ignored all of the rules and contacted me throughout the past two years. Now they have stopped contacting me, yet i am still terrified of being contacted by others and am emotionally traumatized by the lack of remorse and empathy shown by AMEX. I have done nothing to AMEX and i repeated contacted after numerous requests not to be contacted. AMEX claims that they have fixed the issue, yet the past still remains with me and i am tortured by the thought that my formal and unaggressive requests to not be contacted were repeatedly ignored.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A