Date Received: 2022-02-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had an AMEX Offer on my AMEX XXXX XXXX credit card where I'd receive {$25.00} credit for spending {$45.00} on a new XXXX XXXX XXXX membership. I signed up for XXXX XXXX XXXXXXXX membership using the card on XXXX XXXX, XXXX. The {$45.00} charge by XXXX XXXX XXXX posted on XX/XX/XXXX. Not having received the {$25.00} AMEX Offers credit, I contacted AMEX via chat feature on XX/XX/XXXX. I was told, " XXXX, don't worry, the credit will post 2-3 weeks from the time of being charge in the account. '' The credit never came. I contacted AMEX again on XX/XX/XXXX. I was told, " Since it is more than 21 days, I'll open an investigation on my end. '' Still not having received the {$25.00} credit, I contacted AMEX again on XXXX XXXX, XXXX, and the agent told me that no investigation had been created on the issue.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These accounts ( XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw these accounts from my personal file ; ( AMERICAN EXPRESS XXXX Balance {$0.00} ) ( AMERICAN EXPRESS XXXX Balance {$1600.00} ).
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello CFPB, I am writing to you in response to the closing my case against XXXX XXXX XXXX dated XX/XX/XXXX. This case is regarding to XXXX being closed. This case is NOT over and should not be closed. This case should not be closed because I do not owe XXXX, XXXX {$650.00} or any money. In fact, XXXX XXXX XXXX XXXX owes me {$15.00}. XXXX, XXXX keeps harassing me, has locked my access to my XXXX account, and continues to state that I owe them {$650.00} and I do not. On XX/XX/XXXX, a XXXX, XXXX representativeXXXX ( XXXX ), emailed me and insinuated that the {$650.00} deposit may have been sent on the back end to American Express the Corporation, and not directly to me or my account ; and that is why the {$650.00} XXXX XXXX XXXX XXXX states they gave me does not show on my American Express account. Please see the attached email from XXXX, where he stated I would encourage you to speak with American Express, as they received both credits/refunds. Because of this I wrote back to XXXX, XXXX that same day informing them, that since I was not given a {$650.00} credit from XXXX XXXX XXXX XXXX, and that American Express the Corporation most likely received the {$650.00} deposit on the back end that XXXX, XXXX, should go after American Express the Corporation, and stop harassing me. Continuing with this case, on XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX messaged me through the Better Business Bureau, and gave me a tracing number which he said American Express can use to trace the {$650.00} deposit XXXX XXXX XXXX XXXX supposedly sent to me. XXXX stated You can provide this trace number XXXX to your card issuer and they should be able to find the refund. Please see the XXXX XXXX XXXX response from XXXX XXXX attached. With this information, I called American Express on XX/XX/XXXX and tried to provide them with the tracing number XXXX XXXX gave me. However, an American Express representative, XXXXinformed me that XXXX XXXX XXXX must call the AMEX Merchant Services Line, at XXXX XXXX XXXX to XXXX, and give AMEX the tracing number, and that I can not call or talk the AMEX merchant services line on XXXX, XXXX behalf XXXX My hands are tied at this point. There is nothing I can do. The XXXX even closed this case. It is unresolved. XXXX XXXX XXXX is accusing American Express Inc. of having the {$650.00}, and that AMEX owes them {$650.00}, but me as an AMEX customer am being penalized for it. Please assist me with resolving this issue with XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me, stating that I owe them {$650.00} when I never received monies or credit. Please help. Please Do Not Close This Case. Respectfully, XXXX XXXX XX/XX/XXXX
Company Response:
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been a card member for American Express since 2018 and was approved for XXXX credit limit. Out the blue they dropped me to a {$1100.00} credit limit but i wasnt provided an adverse notice about it. I received an email this morning from American Express about updating my income which i did and i submitted request via chat to increase my credit limit and i was denied. Without an adverse notice provided again. When i downloaded the results from my request i received a blank page. When i called and spoke with a representative she indicated that i was denied due to having other accounts with balances? But my balances on my other accounts were below 30-35 % When you are denied credit limit increase you are suppose to receive an adverse notice that explains the detailed explanation as to why the Decision was made and American Express didnt do that
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are five fraudulent unauthorized inquiries reporting on my credit report.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/XXXX, I tried to pay my American Express bill by phone ( as is my usual practice ). For some reason, the phone commands would not work and I was re-routed to an individual. I paid my bill, but the individual stated that I had an issue with a prior gold-card that was terminated because it was unpaid. I said I didn't know anything about it I have not had a gold card, let alone one that wasn't paid. My credit rating varies between XXXXand XXXX. She said she needed to verify my information, which I gave her. She then stated that she was sending me over to someone in " Recovery '' stating that if I am not the person responsible for the debt, then it will be dismissed but they will expect me to sign a " Fraud Statement. '' This woman 's name was " XXXX or XXXX ( XXXX? ) and she had somewhat of an XXXX accent. I was then transferred to a male by the name of XXXX. The very first thing he asked me was if I filed for Bankruptcy in XXXX. I told him yes, but it was over 33 years ago when I was going through a divorce. My name at the time was XXXX XXXX XXXX. If so, it would have been included in the bankruptcy. I also stated that I did not recall an American Express card, but it was possible. He then stated that I had an unpaid balance with American Express. I was in a state of shock that American Express was going after me for a debt, beyond the Statute of Limitation that was discharged in Bankruptcy. I told him I thought was American Express was doing was illegal. I was extremely upset about this incident and believe this should be investigated.
Company Response:
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have already submitted a complaint which has been closed, but it has not actually been resolved. I completed my settlement agreement with American Express. They have changed the status to " settled '' on my credit reports, however it still shows a balance of {$1200.00}. There should be no remaining balance due as this has been SETTLED.
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express card statement shows only the minimum amount payment on the payment stub. Nowhere on the stub does the full amount appear. This can cause clients to pay less than the full amount and incur interest accrued till the next billing period. This is not a practice of other credit card companies and appears to be an intensional or unintentional act that serves American Express and can financially mislead their customers.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened an American Express XXXX XXXX XXXX credit card in XX/XX/2021, which came with unsolicited e-mails regarding credit card offers and enrollment in their credit monitoring product. In XX/XX/2021, American Express canceled my credit card account, at their discretion, when my authorized user on the account used abusive language on a phone call to American Express customer service. Despite the account being canceled by American Express, and not me, I continued to receive special e-mail offers and e-mails related to their credit monitoring tool, none of which I was able to use because my account had been canceled and closed by American Express for a reason that did not directly involve me personally. There are no " unsubscribe '' links available in the e-mails to stop these unwanted and unsolicited e-mails from being sent to me. I attempted to log-in to my closed account, and because my account was obviously closed and inactive, I was unable to log in and change e-mail preference to state that I did not want to receive any further marketing e-mails from American Express XXXX As you will note in the attached e-mails, these unsolicited and unwanted marketing e-mails were sent AFTER my account was closed by American Express. As a result, I have had absolutely no way to stop receiving these communications, and American Express does not provide any opt-out link in the e-mails themselves. I believe that American Express is using unfair, abusive and deceptive marketing practices in their e-mails to me : they are sending me unwanted and unsolicited communication regarding an account that was closed, and I have no way to remove or unsubscribe myself from their communications. American Express should have policies and procedures in place to ensure that former customers are not sent harassing, deceptive, unfair and abusive marketing e-mails with no way to remove oneself from them. Furthermore, I have tried to resolve the issue of these e-mails with American Express directly, and none of their customer service representatives has any clue who would handle such an issue. In the end, I'm stuck receiving abusive, deceptive, unfair and unsolicited marketing e-mails that may potentially contain the misuse of my personal and confidential information on my closed account. All relevant documentation showing that these communications were received AFTER my account was canceled by American Express are attached to this complaint.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: AMERICAN EXPRESS FAILED TO PROVIDE ME AN WRITTEN NOTICE WITHIN 5 BUSINESS DAYS BEFORE REPORTING THIS NEGATIVE INFORMATION ON MY CONSUMER REPORT. THE BASIS FOR MY DISPUTE IS AMERICAN EXPRESS WAS REQUIRED TO NOTIFY ME PRIOR TO, OR NO LATER THAN 30 DAYS AFTER FURNISHING THE NEGATIVE INFORMATION TO THE CONSUMER REPORTING AGENCIES IN WRITING .... Fair Credit Reporting Act Section 623, subsection ( 8 ) ( D ) FCRA, subsection ( 7 ) ( A ) AMERICAN EXPRESS IS IN FAILURE TO COMPLIANCE TO THESE LAWS, RULES AND REGULATIONS THEREFORE I AM NOT ASKING BUT DEMANDING AMERICAN EXPRESS TO DELETE THIS NEGATIVE INFORMATION THAT HAS BEEN FURNISHED ON MY CONSUMER REPORT IMMEDIATELY. AMERICAN EXPRESS ALSO DENIED AND FAILED TO PROVIDE ME THERE FINANCIAL RELIEF PROGAM WHEN I WAS AFFECTED FINANCIALLY BY COVID-19 outbreak.The CARES Act WAS PASSED ON XX/XX/XXXX to help the American people with the economic impacts of COVID-19 XX/XX/XXXX I WAS DENIED ON A LIVE RECORED PHONE CALL WITHOUT EXPLANATION. I WAS ELIGIBLE FOR THE PROGRAM BUT STILL DENIED WITH NO EXPLANATION LATER ON BEING ACCEPTED THEREFORE I WAS NEVER LATE AS I ATTEMPTED TO SEEK HELP UNDER THE CARES ACT TO HELP THE AMERICAN PEOPLE WITH ECONOMIC IMPACTS OF COVID 19. This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A