Date Received: 2022-02-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The irs notified me that i would be getting a refund check on XX/XX/XXXX i called andverify with the XXXX tha the funds have been sent byt the XXXX to the bank we verified everything was correct the back is saying they never recieved the funds. keep getting people just repeatng that it take up to XXXX hours to post the funds but the deposit date was XX/XX/XXXX it is now XX/XX/XXXX. please help
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
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: In Reply to : Response of XXXX XXXX Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : XXXX XXXX and its member/Agent AMERICAN XPRESSCOMPANY Inc. ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE XXXX XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding XXXX XXXX a Consumer credit reporting agency and its member AMERICAN EXPRESS COMPANY Inc. , reporting of false DECEASED inaccurate information on my XXXX Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). XXXX XXXX and American Express Company Inc., are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/2022 XXXX filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your XXXX credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following XXXX XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent XXXX Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) XXXX XXXX AND ITS MEMBER/AGENT AMERICAN EXPRESS COMPANYINC , KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS XXXX CONSUMER CREDIT FILE.. my multiple request to XXXX and its member American Express have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine XXXX and its member AMERICAN EXPRESSCOMPANY for their continued violations of the act.
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Problem with customer service
Subissue:
Consumer Complaint: XX/XX/XXXX Went to pay my Property Taxes {$5800.00} the money is in my account, the bank wont honor/approve the check- Called on XX/XX/XXXX that I am incurring over {$200.00} in fees by them not honoring this check and giving an approval code.. on the phone off and on for XXXX hours getting hung up on by the system, and the finally speaking to a woman who said " APPROVAL '' and then put me back in the system to be hung up on again. I consider this theft of my money. XXXX states there is no request in the system And after asking what I need to do, she put me on hold and then came back and changed her statement to say the amount seems suspicious and transferred me to consumer protection, on hold another XXXX minutes.. Then system hung up
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The Amex XXXX includes a {$200.00} prepaid travel credit for hotels every calendar year. I booked a hotel room, but severe weather prevented me from reaching the hotel. Amex XXXX refused to move the dates. They ultimately agreed to cancel the hotel room but reversed the {$200.00} credit, so I did not receive the promised benefit
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a dispute back on XX/XX/XXXX of this year with American Express for a vacation package that I purchased back on XX/XX/XXXX. The day of the vacation my flight was cancelled by the airline. Messing up the reservations. I tried to resolve the issue with the travel agency to get a full refund back since I already purchased insurance on the vacation package. The travel agency started to give me the run around. Leaving me no other choice but to dispute this matter my credit card company which is American Express. The rep that I spoke to via live chat ensure me not to worry that he was going to help resolve this issue. A dispute was initiated and American Express credit back the entire amount which consisted of the hotel fee and the airline fee combine into one. Now the hotel did refund me their portion but it was not the amount they agreed to via email. Now almost three weeks later I received a letter from American Express stating that they are going to reverse the credit siding with the merchant without. Without reaching out to me to request any documents to support my dispute. Like the rep stated in the live chat conversation. A copy of the live chat conversation with one of the American Express rep will be upload to support my claims. It will show were I offered to forward email conversation between the travel agency and I to show proof of them promising a refund of the hotel stay which was about {$750.00}. I also reached out to the airline which is XXXX and they stated that they cant issue me a refund twice. Because the ticket purchase was charged back. I believe every purchase made with American Express is insured but the fact that they decided to side with the merchant as opposed to the cardholder says a lot. There should be some type of investigation on how American Express handle and process their dispute. I copy of this complaint was also sent to my state attorney generals office for further investigation. I have uploaded support documents to support my dispute against American Express
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In American Express ' response to my previous CFPB complaint, CFPB Complaint ID # XXXX, the response dated XXXX XXXX, 2022, American Express writes that they have attached their .PDF file response to the CFPB Complaint Portal for review . Upon opening my complaint and reviewing their alleged resolution, the file attachment is unavailable -- it is grayed out and there is no option to download it or to view it. This is yet another example of American Express ' fraudulent, deceptive and unfair practices, and they have outright lied that they provided a response, when in fact no such response, in the form of a .PDF file, is available for my review. American Express is again engaging in unfair and deceptive practices when resolving consumer complaints, this time by either intentionally not making their resolution XXXXPDF file available for viewing ; not providing their response in another manner than a .PDF file that was not uploaded properly and made available for me to download their resolution of my CFPB complaint ; or someone at American Express is entirely incompetent and doesn't know how to properly upload documents to make certain they are available for viewing and download by the consumer. American Express has falsified and lied in their response to my CFPB Complaint ID XXXX by not providing the documentation they stated they would in order to close out my complaint.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express has violated my federal consumer rights under title XXXXXXXX XXXX XXXX. The account I had was open by me using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) which is my social security card. This company does not have a right to close an account that belongs to me and was opened by me. I did not give consent.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am an American Express Credit Card holder and have recently experienced a troubling and deceptive practices by this vendor. For example, I recently paid my account in full for XXXX statement ( closing date XX/XX/XXXX ) before the due date of XX/XX/XXXX. Per the credit card statement disclosure in my XXXX statement, it states : Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance ( or, if you have a plan outstanding, your balance adjusted for plans ) by the due date. I paid off the entire outstanding balance in XXXX and before the due date, therefore why did I accrue interest? American Express was able to waive the interest under a one-time courtesy, however as a consumer I was compelled to raise my hand after seeing the printed disclosure reflected on my statement and via the CFBP website. The American Express online billing allows a consumer to pay minimum payment, statement balance, total balance and other amount. I was told by American Express if I wanted to avoid interest charges, I would need to call customer service for them to generate a payoff balance and make a payment with the representative. Again, very deceptive practices, given my choice was to select total balance in full and I was still charged interest. All the options to pay off a balance via their online application, neither of the options calculate an actual payoff balance. This information again is not stated on their disclaimer, on how to truly avoid interest. One must call and speak to an agent. Account # XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
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/2021 Reported fraud transactions that was not made by me or my spouse, then it kept going till XXXX XXXX! Called Amex again and asked them why are there more charges?? Well the person I spoke to on XX/XX/XXXX guess never closed the card and issue new card. Theyre were tota 8 transactions to a company that was in a different country. Youre talking about few thousand within 4 day time frame. Called American Express and reported, they credited back all 8 transactions. Then XX/XX/2021 out of the XXXX charges, 6 of them were charged back and have to pay. I reached out to Amex and asked them to reconfirm and the live chat customer service assured me that all 8 are credited back and I would not be charged. Then reached out again and ask them why only 2 transaction out of the 8 were disputed, which doesnt make sense! Who ever had placed the 8 disputes had obviously did it wrong and file all as unauthorized, but 2 transactions. All 8 transactions were unauthorized charges with same problem, same story, from same person, but only 2 got disputed. Makes no sense. I called multiple times and was told they re-opened for further investigation. Then had called asked for status and got the run around and was told again would need to re-open for investigation from back office. Which means the first time it was never re-open for investigation. Every time I call back for status, they keep saying have to wait and get answers from back office. Was in middle of buying a house and we couldnt have this high balance our credit report, by the time we had to close on our house. The lender would not approve and we could not close on the house unless we pay Amex off in full. So we had no choice but to pay what was outstanding, plus XXXX that was supposedly still under investigation. We have yet heard from Amex and was so tired and overwhelmed. Finally closed on our house and because of this, it have hurt us bad which caused us short on funds to take care of other bills. Then Amex lowered our credit limit due to other high balance/payment issue. Well guess what? Amex you are the caused how I started to fall behind. Below are the dates and amount of transactions. We have been with Amex for years and never have had experience with such bad customer service until this past year. Had ran out of energy to fight and gave up until I found out about how I can repot to consumer complaint and had no idea could do that till now. Unauthorized transaction : XXXX XXXX - {$1500.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1400.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1500.00} XXXX XXXX - $ XXXX disputed XXXX XXXX - {$1100.00} - disputed
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Ill keep this short ( *I am XXXX and in the XXXX industry - not a XXXX that struggles with technology. I can only image the difficulties my mom would have with this ) : American Express has a predatory lending practice going on right now. On the TIL it says : When making a payment by mail : mail your payment to the address shown on the loan invoice, and write your loan account number on your check or negotiable instrument and include the payment coupon attached to your loan invoice. It does not provided an address to send to other than the one up top that looks like this : Lender : American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX However that is not the correct address to payoff a loan. In fact if you send it to that address American Express will do nothing. They will not forward it to the right dept. They will not tell you it was sent to the wrong address. Nothing. So I am now forced to pay more interest on an account I tried to pay off 3 weeks ago but have to wait 10 business days so they do nothing and accrue interest. There isnt another address on the TIL for the payoff to be sent to. No where on the XXXX statement does it make it clear the address that it should be sent to and the on address that says " lender '' is incorrect.
Company Response:
State: FL
Zip: 32086
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A