Date Received: 2022-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my report and discovered many account that were not opened by me and i received no benefit. Please help me remove these accounts.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied to American Express on XX/XX/2022 for the XXXX XXXX XXXX American Express Card. On XX/XX/2022 the decision was made and I was denied. The reason for the adverse action letter states : My FICO score. My reference number is # XXXX. Attached is the company adverse action letter and how they violated me and federal law by Pursuant 15 USC 1642, 15 USC 1681M and 12 CFR 1002. This is clearly a case of discrimination and adverse action and I demand American Express to comply with Federal Law regulations.
Company Response:
State: TX
Zip: 77505
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: AMEX XXXX These people are complete slime. They knowingly provide a vehicle for organized crime, XXXX traffickers, and money launderers to run their scams and get paid through credit card swipes instead of cash. Some of the front businesses laundering money that AMEX cards are used in employ victims who don't speak XXXX and are solely being used as slaves in the XXXX XXXX XXXX industry. We paid them off anyway just to get rid of AMEX. AMEX makes millions from this activity and interest payments on obscene charges and they hide behind the law and their terms and conditions. They are also liars who have a legal department who puts things in writing and then ignores it because they assume they can push anybody around. They are bankers for criminals. This is solely filed for any federal law enforcement agency who cares to bust this scam to contact me at any point in the future. XXXX.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX I paid in full my Amex balance of {$32000.00} which was due today XXXX. Despite having accounted for the advanced payment and updated the balance due to zero, Amex failed to update the e-bill sent to my checking account with XXXX XXXXXXXX XXXX. As a result of Amex negligence, XXXX XXXX XXXXXXXX paid again today {$32000.00} to Amex resulting in a very low balance of my checking account. I immediately called American Express and they were unable to refund me today. Not only Amex received my full payment in advance, it also charged me for the same amount even if the balance was zero at the time of the monthly due date. The Amex representative said that it will take 3 to 5 business days to get the refund. As a result, I will likely incur overdraft fees because my checking account is very low and have payments scheduled. Because this situation is only the result of Amex negligence, I would like Amex to 1 ) pay for any overdraft fees that may result from the balance of my checking account being low and 2 ) pay for the interests accrued from the time Amex received the additional payment and the time the refund posted on my checking account.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a letter from American Express stating that a payment had been returned on XX/XX/XXXX, and I had several easy and free ways to pay. I then received a second letter on XX/XX/XXXX, stating that AMEX canceled both of my accounts just 48 hours later. I was of course appalled by the fact that I had not even received the aforementioned notice of the friendly letter when American Express closed my account just 48 hours later since neither letter reached my home as both letters were literally in the mail at the very same time. I of course called American Express to resolve the matter and no one could tell me what happened. Then on XX/XX/XXXX, I received a letter stating that my request to be reinstated, based on those calls was denied. Since all of this happened over the holiday weekend my bank notified me outside of AMEX and I immediately re sent the payment which was paid before either Amex letter was received at my home. From what I could gather I had made a large deposit and the bank had put a hold on part of it and it was just a coincidence that the American Express payment was held up on the XXXX and others went through. My purpose for filing this complaint is to make sure this never happens to anyone else. I believe that I should have never been canceled. I believe that the added interest that I had to pay was not due to any fault of my own due to what I belie to be the wrongful termination by American Express. I have sent two letters. One on XX/XX/XXXX and a second on XX/XX/XXXX. The second letter was sent certified as when I followed up on the first letter the representative said there was no letter in their file. As of this complaint I have not been advised by Amex as to why there was only 48 hours between the returned payment letter and the termination letter. As of this complaint I have not been notified how I could have corrected the payment before either letter was received and the account was still terminated on the XXXX of XXXX. At the time of this issue I had been an American Express customer since XXXX and am very disappointed as to how this account was handled. Since the termination I have been compliant in paying off the entire balance of all my AMEX accounts. Most insulting is that I currently receive American Express Credit Card offers all the time due to my outstanding credit rating. In my opinion Amex violated their offer to cure the payment issue based on only providing me with 48 hours between letters to cure vs terminate that no reasonable creditor would expect to arrive at my home. Again, I called well before that and AMEX again failed to cure the issue. Before making this complaint I have sent two letters requesting re instatement with no reply. Thank you in advance for your time and consideration in this matter.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have never been late with my payment to amex and was charged a late fee of {$30.00} and AMEX refused to refund me.
Company Response:
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: American Express Collections department repeatedly calls my sister 's cell phone who is not in any way associated with the account. She did not co-sign and I have not lived with her in 25 years.
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/22 I received a email saying my XXXX Account has been permanently suspended for some type of fraud activty I have no clue about also my full account balance is still on the account in the amount of {$2700.00} that came from my college funds that I need to pay for my courses
Company Response:
State: TX
Zip: 75803
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Amex did not give me the 75,000 points as promised. Please check the following chat transcripts with amex online agent. agent XXXX AM A Customer Care Professional will be with you shortly. In the meantime, please provide any information that may help us assist you. XXXX XXXX Hello. XXXX AM How may I assist you today? XXXX AM XXXX agent XXXX PM A Customer Care Professional will be with you shortly. In the meantime, please provide any information that may help us assist you. XXXX PM Hi thank you for messaging us today. I hope you are doing well. How XXXX I help you? XXXX PM XXXX XXXX XXXX XXXX, we'll use automated messages to chat with you and Customer Care Professionals are standing by. Please select XXXX of these options, or in a few words tell me what you need help with. XXXX PM agent XXXX PM A Customer Care Professional will be with you shortly. In the meantime, please provide any information that may help us assist you. XXXX PM Hi! I hope you're safe and healthy. XXXX PM Please let me know how may I help you today, XXXX PM Hi, could you please help me to check whether I have met all the requirements for the sign up bonus of my gold credit card account ending in XXXX XXXX PM Sure, please allow me a minute., XXXX PM thanks XXXX PM I see that you have a welcome offer where you earn : 75,000 Membership Rewards points after making qualifying purchases of {$4000.00} or more within the first 6 months ( 183 days ) of Card Membership. 20 % Statement Credit back on all purchases up to of {$250.00} spent at XXXX XXXX within 12 months ( 365 Days ) of Card Membership. You have made the eligible spend and as per the offer terms, the points are credited within 8-12 weeks after the eligible spend is met. We usually issue the points soon and you can expect to receive it by next statement.. XXXX PM OK, just to confirm I have met all the requirements XXXX PM Yes, you have already met the spending. XXXX PM XXXX PM Could you please help me to check why I did not receive the sign up bonus for my gold account ending in XXXX XXXX PM Please allow me a moment to review the account. XXXX PM thanks XXXX PM are you still there? XXXX PM the chat logged out automatically and I logged in again XXXX PM Yes, I am here. XXXX PM I have checked the account and the points are not yet reflecting on the account. In this case, what I can do is escalate it to our Marketing Team to further investigate. XXXX PM One moment please while I submit a case. XXXX PM OK, thanks XXXX PM I have successfully filed a case. And your reference is XXXX. Please allow within 2 weeks for the account. You may chat us back from time to time to check the status. XXXX PM XXXX PM could you please help me to check why I did not get the XXXX bonus points XXXX PM Please allow me a moment. I'm going through your query. XXXX PM thanks XXXX PM You're most welcome. I see that you wish to chat with us regarding your welcome bonus offer and the last rep has raised a case investigation for you. Please allow me a moment. I'm checking on the case status now. XXXX PM I've checked and can see that the case investigation has been resolved. The outcome of the investigation : You must charge {$4000.00} ( the " Threshold Amount '' ) of eligible purchases on the American Express? XXXX XXXX within the first 6 months of Card Membership to earn the XXXX Membership Rewards? points starting from the date your account is approved. Points will be credited to your Program account within 8-12 weeks after you have met the Threshold Amount. Please continue to make eligible purchases on your card. The points will be credited to your account within 8 to 12 weeks from the day you meet the spend threshold amount. XXXX PM agent XXXX PM We are still connected. Have you received my last response? XXXX PM I have already met the spending requirement XXXX PM Okay. In that case you will have to wait for 8 to 12 weeks for the bonus points to post on your account. The above welcome bonus offer is active on your card. XXXX PM I have already wait 3 month since I met the requirement. And that's the reason why an agent raised the case XXXX PM Okay. Please allow me a moment. I'll check on it. If it's been 12 weeks then you should have got your points by now. XXXX PM I've checked your card was approved on : XXXX You have met the qualified sp XXXX AM XXXX PM I've checked your card was approved on : XXXX You have met the qualified spend on : XXXX The 12 weeks timeframe will end by :? Monday?,? XXXX?? XXXX?,? XXXX You would receive the welcome bonus offer points by this date. XXXX PM got it. I have to wait another 10 days XXXX PM thank you so much XXXX PM You're most welcome and thank you very much for your understanding in this regard. Please feel free to message us anytime, we are here when you need us available XXXX. Thank you very much for being an American Express card member since XXXX. We value your membership with us. Have a great day. XXXX PM No, thanks XXXX AM I do not get the bonus points for the gold card XXXX AM could you please help me to check that XXXX AM please stop typing. XXXX AM I need to review what you have sent. XXXX AM Checking the account. XXXX AM OK, thanks XXXX AM You're welcome. XXXX AM Need just one more minute. XXXX PM No problem. XXXX PM Apologies for the http : //delay.My system is running a bit slow. XXXX PM Hence it's taking longer than usual. XXXX PM take your time to check. XXXX PM Thanks for your patience. XXXX PM XXXX, I see that the inquiry which was raised for the missing points and as per the details it shows, you need to wait for the points to credit. They will be credited within 8-12 weeks from the date the threshold was met. Hence you should see them credited after XX/XX/XXXX. XXXX PM I've checked your card was approved on : XXXX You have met the qualified spend on : XXXX The 12 weeks timeframe will end by : Monday, XX/XX/XXXX You would receive the welcome bonus offer points by this date. XXXX PM Last time your colleague told me the deadline is XXXX XXXX XXXX PM I have contacted Amex many times for the bonus points. If I can not get the points on time, please cancel my account XXXX PM I totally understand the reason for your frustration here. Even though the 12 weeks time frame completed on XX/XX/XXXX, the points should credit anytime now. XXXX PM I really appreciate your patience in this regard. XXXX PM I do not believe the points will post anymore XXXX PM I sincerely apologize for the inconvenience due to this. XXXX PM The rewards for the card should appear credited to your rewards account any day as the max time frame has already reached. XXXX PM Give me the points or close my account, I just have these two choices XXXX PM XXXX did not post the points as promised XXXX PM Unfortunately, the points will be credited automatically. If you wish to cancel the card, let me transfer you to a Membership Consulting professional who can better assist you with your request. One moment please. XXXX PM A Customer Care Professional will be with you shortly. In the meantime, please provide any information that may help us assist you. XXXX PM Hello XXXX. You are now chatting with a Membership Consultant XXXX, my name is XXXX. I will be glad to review conversation and assist you, just a moment while I pull up your account. XXXX PM Hi, XXXX, I hope you could help me to solve the issue XXXX PM I completely understand the concern regarding bonus points. I am checking on the investigation which was opened. XXXX PM Thanks for your attention and XXXX XXXX PM You're welcome. XXXX PM I am still checking on it, thanks for your patience. XXXX PM OK XXXX PM I am really sorry to keep you waiting. I am reviewing previous conversation and account to make sure if there is a way to resolve your concern. XXXX PM thanks for your help XXXX PM Thanks for waiting. I have checked, investigation and team has indicated that spend was not met due to which points didn't get issued by now. However, I see the welcome offer period is for 6 months from the date you opened card so team has advised us to let you know to keep spending on Card. Rest assured you qualify for the bonus and you will get points. I suggest you to keep using card and wait until XX/XX/XXXX statement has generated. XXXX PM I can not believe that XXXX PM all the agent have told me the spending requirement has been met XXXX PM I've checked your card was approved on : XXXX You have met the qualified spend on : XXXX XXXX PM I understand and I would like to apologize for the inconvenience. You are still in time frame and it is best you keep using this card and you do qualify for the offer but spend needs to meet. Please use the card to avail offer because it will eventually trigger points. Spend was reviewed by the team, and we can only open the investigation. However, offer is valid for 6 months. XXXX PM I can not believe Amex can not tell a customer meeting the requirement or not correctly XXXX PM I have met the requirments already XXXX PM and you colleague confirmed that in previous chat XXXX PM OK XXXX PM I do not want to waste time on the card anymore. XXXX PM please help me close my account XXXX PM I have also reopened the investigation and our team will review it again. I will mention the charges you made on Card. Yes, I agree with you that agents shared it was met, I once again apologize for the trouble and inconvenience. XXXX PM I would recommend you to please keep the Card open as your annual paid covers till XX/XX/XXXX. XXXX PM This will ensure your spend is met. XXXX PM I have already met the requiement XXXX PM Offer is valid till XX/XX/XXXX XXXX PM close my account, please XXXX PM I can not believe amex has such a terrible customer service XXXX PM Yes, I get your point and I have opened investigation as well and this time, team will review account again and help resolve the problem. XXXX PM the team can not tell whehter I have met the requirement. So terrible XXXX PM please help me close my account. or give me the points XXXX PM XXXX PM I see that you have a welcome offer where you earn : 75,000 Membership Rewards points after making qualifying purchases of {$4000.00} or more within the first 6 months ( 183 days ) of Card Membership. 20 % Statement Credit back on all purchases up to of {$250.00} spent at GLOBAL RESTAURANTS within 12 months ( 365 Days ) of Card Membership. You have made the eligible spend and as per the offer terms, the points are credited within 8-12 weeks after the eligible spend is met. We usually issue the points soon and you can expect to receive it by next statement.. XXXX PM OK, just to confirm I have met all the requirements XXXX PM Yes, you have already met the spending. XXXX PM XXXX PM The date for the above chat transcript is XXXX XXXX XXXX PM today, you told me the so-called team stated I dit not met the requirement. Is that a JOKE? XXXX PM I understand the frustration due to this. I apologize, I have shared the information from the team who reviewed account for the spend. I do agree you made 2 charges at XXXX adding up more than {$4000.00}. It seems that there might be some issues due to which one charge from XXXX may not have appeared while reviewing account and this is the reason why I am willing to reopen investigation to get it checked again XXXX PM I request you to please wait 8-12 weeks time frame from XX/XX/XXXX date XXXX PM Because charges are counted in 8-12 weeks time after they are billed on account XXXX PM So the XX/XX/XXXX statement generated on XXXX and 8-12 weeks time starts from this date. XXXX PM I've checked your card was approved on : XXXX You have met the qualified spend on : XXXX The 12 weeks timeframe will end by :? Monday?,? XXXX?? XXXX?,? XXXX You would receive the welcome bonus offer points by this date. XXXX PM the deadline is XXXX, XXXX, XXXX, according to the previous chat transcript XXXX PM please help me to close my account XXXX PM Yes, I agree that agent informed you about it. The 8-12 weeks period will end by XX/XX/XXXX. If you still insist on cancelling, I can honor request but I don't want you to cancel it now XXXX PM because you will get the points XXXX PM It seems that I have been cheated by Amex several times XXXX PM There seems to be some misunderstandings from previous agent who informed about 8-12 weeks timeframe XXXX PM the spending date, not the statment date, according to the terms XXXX PM Had I been in your situation, I would have felt the same. I suggest you to keep it open till next month by XX/XX/XXXX. XXXX PM May I file a claim againt the inverstigation team? XXXX PM the team did not work properly and got the incorrect result XXXX PM I agree there seems to be some mistake made while reviewing account but I would like you to not cancel it yet. You can leave it open and I have reopened investigation and mentioned what previous agents have done so that our team will make sure your problem/concern is resolved on priorities. XXXX PM May I file a claim againt the inverstigation team? XXXX PM after I waited for 8-12 weeks, you asked me wait another 8-12 weeks XXXX PM I can not believe this is the way amex treating their customers XXXX PM My apologies, I am not asking for another 8-12 weeks. I am requesting to wait till next month. This month is almost over XXXX PM even if we calculate 8-12 weeks from XX/XX/XXXX, it would come out by end XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX is when you made second the delta charge that met the spend.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: exercised right to rescind the contract due to AMERICAN EXPRESS fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories AMERICAN EXPRESS aided and abetted, in disregard to the laws, AMERICAN EXPRESS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A