Date Received: 2022-02-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I set up auto pay for my American express card so payments will be on time. After completed the form in their system ; it confirm that payment will be taken out on XX/XX/XXXX. Well XX/XX/XXXX came and no payment was taken out and i was assessed a late fee and late payment report to credit bureau. This was not right because their system was incorrect and when I contact the service department. They make it seem like it was my fault. The same thing happen prior month in regards to auto pay. Also, I originally had choose a minimum payment of {$40.00} but because of the late penalty. I have to made double payment. I attached a document that proves that their auto payment system informed me that payment was to taken out on the XXXX of XXXX but did not happen.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Today on XX/XX/2022 I logged in to my XXXX XXXXXXXX account to accept a offer I received in the mail for a increased credit amount on a new credit card, as I was reading the many options XXXX XXXX has to help with shopping managing my account ect..I clicked to register for automatic credit report monitoring by XXXX XXXX, also I was curious what was my new score than qualified me for a higher credit limit... Now when I see my credit score it went down alot in Just a few days ... I felt something must be wrong.. XXXX XXXX was able to show me any debts or accounts I have or have had.. I never had or have an American express card .FURTHERMORE, NONE OF TGE DEBTS IM SEEING ON MY REPORT WERE CREATED OR DONE BY ME..
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This is the second time American Express has allowed a fraudulent account to be opened in my name. The only way I knew is because a statement was sent to my address. This is unauthorized use of my social security number pursuant to 15 USC 1602 ( p ) and a violation of my privacy and my rights.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had an American Express Credit Card since XX/XX/XXXX. At the time, the interest rate was a special rate for transfers of balances, which is why I submitted an application. I was awarded a line of credit. My limit awarded was approximately {$5000.00} or more. In approximately XXXX XXXX, I was required to report a fraud alert with my Banking Institution XXXX XXXX XXXX XXXX XXXX XXXX where I manage my checking and savings, for an unauthorized payment to Am Ex for approx. over {$4000.00}. The payment from my Bank Account to Am Ex, was not to my credit card, but a third party who intercepted my account information. I filed the same complaint/report with Am Ex. The charges were reversed and I resumed making monthly payment before every due date. However, Am Ex, without warning, and despite their negligence, began refusing my XXXX XXXX XXXX account to make payments to my American Express line of credit. I spoke to their customer care every XXXX for weeks, advising them that I only have one Banking Account and they are refusing to accept payments. They advised that, that was my problem and I would either have to get a money order or open a new bank account elsewhere. This arrangement would require additional costs to me and unnecessary utilization of resources, to make my regular monthly payment. I have no issues with any other creditor other than Am Ex. Based upon their unduly burdensome business practice of refusing my payments from my XXXX XXXX XXXX account, I requested the account be completely closed immediately and expressed my dissatisfaction with their practices. On at least XXXX occasion, I have reported Am Ex to CFPB in the past. To the best of my knowledge, despite my request to close the Am Ex account, Am Ex never changed the status of the account to closed. I have been making regular monthly payments, through another family members account, so that I won't incur additional expenses or be forced to open a new bank account to make payments to Am Ex. Despite jumping through hoops, for no fault of my own, I make timely monthly payments, sometimes without 30 days even elapsing before my next payment. Much to my surprise, Am Ex, despite requesting I only make approx. $ XXXX, and the same being made, has been charging very small balanced owed, late fees of $ XXXX, with interest. Not only have I complained that this practice is improper many times, the practice continues. The balance on the account, despite being under {$1000.00} has gone no where in the last 3 years since Am Ex had begun making unduly burdensome hurdles in being able to provide payment. Which included, refusing to accept payments from my XXXX XXXX XXXX XXXX Account, without explanation or warning, charging fees and excessive interest despite my honest and good faith efforts to make payments from my checking account to my Am Ex line of credit ; without warning and without explanation, terminating my access to making a payment directly from my Am Ex application from my cell phone ; charging late fees despite making regular on time monthly payments, ( while being forced to do so from a third party account or incurring expenses ), applying improper terms and conditions to an account that is in a closed status. Lastly, on or about XX/XX/XXXX, in violation of FDCPA XXXX XXXX ( a ), Am Ex, without warning, without direct contact with me, and without 30 days passing before doing so, reported to ( 3 ) National Credit Bureaus, an inaccurate amount owed to Am Ex and that I was 30 days or more passed due on my payments. I received a paper statement on approx. XX/XX/XXXX with additional fees and interest applied, than my closing statement on XX/XX/XXXX, and without the opportunity to directly speak to Am Ex, 4 days later, fraudulently reported an inaccurate status to the Credit Bureaus. These inaccurate reports caused an over XXXX point decrease in my credit rating. This has significantly impacted me and I have been subject to Am Ex 's abusive practices for approx 3 years now.
Company Response:
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Enrolled in the Financial Relief Program where payments were {$73.00} for 12 months. In XXXX my MINIMUM payment jumped to over {$700.00}. I am still impacted by COVID as my husband lost his job due to the pandemic and I am the only household income. After speaking with American Express it was advised that after the program ends the consumer has to basically pay everything that would have been 'due ' during the financial program which is not assistance at all- it delays it but that is not helpful during these times. They only offered to get a personal loan, a new credit card or counseling. I have requested the documentation that was agreed to when I signed up for the program as well as I did not see any language that mentioned this. This is unfair practices to offer assistance then make the consumer pay it all at one time with no option for arrangements that will not negatively impact ones credit.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I set up automatic payments and the credit card company did not deduct the automatic payment. That resulted in a late fee. There system failed and its my fault. Thats not right.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2021, Amex removed a credit balance from one of my credit cards for {$100.00}. When I asked about where this money went, they said Id received a check. Over 2 months later, I still do not have a check in the mail from them. Ive asked 5 times about where it is. 2 times they said theyd issue a new payment. I even gave them my bank details so that they could wire the payment to me. They still have not done so! At this point, their mishandling is blatant theft and utter disregard for my missing funds.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To my knowledge, credit cards in my name were taken out beginning in XXXX of 2021. There is one specific person that has done this and bragged about doing so online through various social media outlets. Ive tried filing complaints, pursuing charges, police reports etc with absolutely no resolve or help by local authorities as this person lives in another country. My credit remains affected. My life remains affected. I need these more than TWENTY credit cards opened without my authority by this criminal to be dropped.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On my credit report, it shows that an American Express card was opened under my name and with my social security #. I have spoken to AMEX several times and also had an XXXX report done and was told this issue was confirmed as identity theft and that the cause would be resolved. Please help me remove this from my credit report immediately and permanently.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: New Amex XXXX XXXX card is opened in the month of XXXX. There is a promo to spend XXXX $ in the first 90 days or so. After some purchases, I am issued XXXX points and when I had a conversation at some point, I am told points were issues as I met the criteria of purchases. There is some cancellation within a couple of purchases because of the covid situation. After 4 months, Amex came back and reverted the reward points for the reason that I didn't meet criteria for spending in the first three months. When I didn't meet the criteria as I return the purchase, I shouldn't be awarded points in the first place. After 4 months coming and reverting back points, it is the right practice. It is totally deceiving customers.
Company Response:
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A