Date Received: 2022-02-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: American Express has been contacted with over 6 phone calls with AMEX fraud department without any resolution since XXXX XXXX, 2022? - two AMEX tracking numbers of fraud without resolution from AMEX fraud department are ; XXXX and XXXX ; there have been at least two fraudulent AMEX cards issued in my name after original contact with AMEX ; WHY? - XXXX monitoring also later reported on XXXX XXXX another second new AMEX XXXX FALSELY issued to my name XXXX that is NOT mine... and even with subsequent reporting several times to AMEX without any action or resolution? WHY does AMEX NOT correct my account or contact me with any action or status after weeks? - additionally ; originally AMEX rep issued a different replacement credit card in my name on XXXX XXXX unknown to me and shipped to different address in NC... WHY? - Please note ; it took several AMEX fraud rep phone calls to get only one credit card cancelled ; but yet second fraudulent credit card still exists on my XXXX reporting ; WHY? - Please note ; AMEX in error actually cancelled my active credit card without my request or permission and a replacement card needed to be issued... - NO follow-up phone calls have been received even though requested from AMEX management or from any reps on FALSE reporting or fraud credit cards being issued by AMEX fraud department in my name ; WHY?
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by AMEX ( XX/XX/2021 ) and I have no recollection of doing any business with AMEX .I contacted AMEX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, XXXX recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by AMEX ( XX/XX/2021 ) and I have no recollection of doing any business with AMEX .I contacted AMEX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my XXXX XXXX is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next XXXX weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Hello My Name is XXXX XXXX and I have purchased a prepaid blue bird card from XXXX late XXXX. I activated that card and register to received my permanent card in the XXXX XXXX XXXX which was to come in the mail XXXX business days. XX/XX/XXXX I call blue bird customer service to follow up with them about me not receiving my permanent card. I was told that they had issues verify my address, I got with the post office mail carrier and we gave one of the customer service specialist my correct address. The rep confirm the address and order my permanent card. I have recorded all calls as proof of what Im saying. I call back a couple days later just to make sure everyone was straight because the automated system continue to give me a different card number that I knew nothing about. The customer service rep stated that my card number would be the same as I already have purchased from XXXX and that it had been order and I should receive it XXXX. After the XXXX business XXXX XXXX is call back to follow up to find out why didnt I receive my personal card yet. The customer service rep stated that the card was sent out in XXXX, XXXX and was return back to blue bird XXXX XXXX because the post off sent it back because they tried to deliver it to me. I have recorded all corespondents. I stated to the rep that that wasnt what I was told so he said he would reorder my a new one, he sent the confirmation that it was order because early XXXX XXXX it was never ordered though two or three reps told me it was it was never. I waited XXXX XXXX just to make sure everything was straight. I was told by XXXX of the customer severice rep that the card went out on XX/XX/XXXX and would get to me by XXXX XXXX. I did receive a card by mail XXXX XXXX but the system couldnt activate the card because it was another card that now has Been reordered and on its way to me in another 7-10 business days and that card number will be a different card number as well. I was told my account was blocked so they unblocked it. I have transaction on my account that I have no idea who its from and were the transaction was made from. I feel unsafe and someone is accessing my account and keep ordering me cards returning them back to blue bird then three weeks later show up in my ma Im asking that someone from blue bird cooperate office please contact me via phone XXXX that can verify they work for blue bird bank. Im trying to get to the bottom of whats going on with my account. And get the permanent card and a secure safe account without someone reordering me a card every 7-10 business days and no one know who is doing it. They system isnt recognizing my card informing. I can have the cooperate personal review the taps for themselves. And my account. Custmers dont know who the transactions are made with the locations day time nothing. I just want my account to function like it supposed too with all informed concerning the transactions because criminals can find this loop hole and comprise our accounts. All the different cards and card numbers thats being ordered from my account anyone can get it and use that card because its connected to the temp card I have. Please help me get this solution resolved in a timely manner since I have tried for two months now. Also I hope I get the response in a timely manner before the complaint is closed. Im requesting a phone call please not an email. Anyone can be behind the emails now days XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My card was taken and charged under false pretenses, fraudulently, and without my permission. I immediately contested the charge, and have repeatedly explained the circumstances that occurred to American Express. In my most recent attempt, I provided a letter recounting the entire history of the dispute and my multiple attempts to resolve it with American Express ( see first attachment ). In response, American Express provided the same generic response, attaching the same illegible " supporting documents '' that in no way support the charge or contradict the circumstances that I have described in a sworn declaration ( see second attachment ). In short, this is a fraudulent charge that American Express has repeatedly failed to reverse or to meaningfully address.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Date : XX/XX/2022 NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Texas XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED OF DENIAL XX/XX/2022 Recently, I, XXXX XXXX XXXX, was denied an extension of credit by American Express. On XX/XX/2022 you submitted credit card application, I applied for BLUE CASH PREFERRED ( SM ), GOLD CARD FROM AMERICAN EXPRESS, PLATINUM CARD. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened the Amex card around XXXX, XXXX and used it on XX/XX/XXXX in the amount of {$10000.00}. Due to this charge, Amex requested for my tax information to verify income, which I had sent them many times in the beginning of XX/XX/XXXX. They kept saying that weren't receiving my information and loced my card, and still proceeded to charge me the Annual fee of {$690.00} and then charged me another fee of {$170.00} for Additional Card Holders fee. The balance came to {$11000.00} and minimum payment was {$10000.00}. I was sent a letter regarding the closer of my account to due " Failure to provide proof of income. '' In their account agreements, if the account is closed and it hasn't been 30 days since the fees were charged, Amex would refund ALL fees that were charged to the account. They only refunded the Annual fee of {$690.00} and did not refund the {$170.00} Additional Card Holders fee. I have paid the minimum payment of {$10000.00}, that was due on XX/XX/XXXX, on that date. The account balance had changed to {$130.00} after Amex had returned the {$690.00} Annual fee. There shouldn't be any balance left, and they should be owing me {$40.00} in cash. I have contacted them many times in XX/XX/XXXX, via online Chat and by phone. I can not remember when I called but I have online Chat history that started XX/XX/XXXX of my request for the return of the fees that were charged to my account. The agent says the fees will be refunded within XXXX hours. I've been checking for 7 days and there were still no FULL refund. I was still not refunded the {$170.00} Additional Card Holders fee. On XX/XX/XXXX I spoke to another agent who then told me that BOTH of the fees should have been refunded to me XXXX hours after the account had been cancelled. But there was only one fee of {$690.00} that was refunded. They sent a statement for XX/XX/XXXX, wanting me to pay {$130.00} by XX/XX/XXXX. I know what they are doing. They want my account to go past due for the amount of {$130.00}, then make charges to the account to add late fees and then put me on delinquent to mess up my credit score. I've read many reviews that this has happened to many people.
Company Response:
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive been with American Express XXXX XXXX for over XXXX years. Ive deposited numerous valid checks with them in over XXXX dollars. Just recently, I submitted some checks that I received from the XXXX XXXX XXXX XXXX, government checks. During the process of submitting the checks, the money begin to be available, I was able to make XXXX transfer because some of the checks were cleared. During making a XXXX transfer, I noticed my account was locked. I called and they stated some checks were returned. They made me go through paying and getting affidavit, which is a sworn testimony from a licensed notary who I showed my XXXX state id, and had me send it in in order to get the remainder balance in. These checks were submitted way back in early-mid XXXX. Keep in mind they would have returned by now. So I spoke to XXXXXXXX XXXX XXXXXXXX, they stated that they can see some checks were returned because someone closed my claim out during the process of them sending me the checks and cashing them. Therefore, when they closed the claim it voided some checks. There were a total of XXXX checks that returned XXXX {$660.00} and another for {$260.00} ... .All the others that were submitted on the XXXX of XXXX I believe or even could have been from the XXXX batch I submitted on the XXXX. Either way they were returned. So this was an error on department of labor. American Express has not been helpful and has given me the runaround to get the remainder of the money of the checks that were deposited. Back to the affidavit, I turn it in immediately with my current id and address sworn in. I Call back because that's what they requested. Call back and they tell me they have a different address, which I didn't know I didn't update it. Keep in mind the checks that were cashed have my current address on file but they had no problems cashing the checks. Now they tell me they can't accept the XXXX. People forget to update addresses all the time. Ive submitted a sworn In, they even verified the XXXX and still didn't submit my check. Now they tell me they have to call the bank to verify the checks. This is down right unfair and its totally not acceptable and is not the way you treat a consumer who has been with them for a while. Its unfair. Im completely appalled that I'm being treated this way. I have had so many checks deposited and cashing history with them. I admit there was a small check that may have returned last year for maybe {$300.00}. That's it. That is still not the way to treat consumers who has a great history and deposited a large number of checks, no issues. Its like there trying to take me around the world and playing games to not send me what's in my savings and its downright wrong, They have numerous complaints for the same thing when I researched online. Im really thiking about seeking possible attorney because they will not give me my money. XXXX XXXX XXXX XXXXXXXX has reopened the claim and resubmitted the checks that were returned to me so that I can cash them. I have attached that documentation to show proof thus was an error on XXXX part, I even tried to submit the paperwork to American Express Savings and they didn't want.
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: i had been an american express member for about 20 years, i saved up 695,000 reward points .... in XX/XX/XXXX the app that amex pushed me to use for paying the balanace and also has a reminder feature DID NOT remind me and i missed a payment, this is the only payment i have EVER missed. i only knew this when a charge was declined ... after calling amex they informed me i was now paying a " peanalty rate '' over % 30 .... needless to say i was frustrated and the conversation turned nasty. ** I DID raise my voice a bit and criticized the company, NEVER attacking anybody personally... days later i called back with a calmer voice and the customer service supervisor told me she would revert the rate back to the standard % 18, refund the fees, and also apologized to me... ***** my balance at the time was appx 12k, i informed this personi was going to pay about half, and then use my points balance to pay off the remainder but that i would wait until XX/XX/XXXX to do this for tax reasons .... i was gutted about 3 weeks later, early XXXX when they shut off the card, canceled the account and DELETED the 695,000 ( + 6k from last payment ) reward points!!!!! its clear this was retaliatory, when i called for the last time the person i spoke to said it was due to my offensive comments made during the 1st call... but during the 2nd call they apologized and they refunded the charges so i feel completly screwed by amex that they encouraged me to collect these points for almost 20 years only to steal them from me .... the cash value is over {$6000.00} PLEASE PLEASE HOLD THEM ACCOUNTABLE!
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express XXXX {$3400.00}. Credit score dropped over 40 points overnight! XXXX XXXXXXXX XXXX XXXX {$1300.00} Credit score dropped over 20 points for no reason! XXXX XXXX Negative accounts reported misleading and false. XXXX XXXX Negative accounts reported misleading and false. XXXX XXXX Negative accounts reported misleading and false. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no late or delinquent accounts!
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A