Date Received: 2022-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This AMEX XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX 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 following information listed below is inaccurate. The Credit Reporting Agencies 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. AMEX XXXX
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The AMEX XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. AMEX XXXX
Company Response:
State: CA
Zip: 90240
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: MY NAME IS XXXX XXXX XXXX. I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. ON XX/XX/2022 I APPLIED FOR A XXXX American Express CARD AND WAS DENIED. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: American Express exposed my XXXX credit score by printing it in my monthly credit card statement with neither my request nor permission. AMEX did so as they informed me they were raising my APR by six points despite my never having been late on a payment and always having paid above the minimum required. I believe it is a legal violation to print my XXXX credit score on a document and then send that document through the mail.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2021, AMERICAN EXPRESS denied my application for obtaining credit with their XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 USC 1691 ( a ) ( 3 ), of the FDCPA. ( proof attached ). AMERICAN EXPRESS is not allowed to deny me my OWN credit. Pursuant to 15 USC 1602g and 15 USC 1602j, under the TILA, I am the Original Creditor and I have an open-ended credit plan. Pursuant to the FCRA, a credit report does not determine whether I get " approved '' or not. Credit Reporting Agencies assumed the role of creating credit reports and files. AMERICAN EXPRESS 's denial has not allowed me to obtain the credit I am entitled to as an Original Creditor and has caused my life and business stress, violating my rights as a federally protected consumer under 15 USC Chapter 41.
Company Response:
State: AZ
Zip: 85259
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: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX Dear CFPB, I am contacting you because my protections as a consumer under both the Fair Credit Billing Act ( FCBA ) and Truth in Lending Act ( Regulation Z ) have been grossly violated by American Express following a charge dispute filed back on XX/XX/XXXX. The tipping point occurred on XX/XX/XXXX, when American Express, having already failed to resolve my dispute within 2 complete billing cycles and well over the 90 day limit, decided to reverse the credit that they previously credited back to my account after completing their investigation on XX/XX/XXXX. Under 1026.13 ( c ) ( 2 ), a creditor is prohibited from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. In addition to the summary below, I will be uploading various documents related to my dispute to assist in the matter. Events Leading up to the Charge Dispute On XX/XX/XXXX, I purchased a round trip business class ticket from XXXX for travel from XXXX to XXXX departing XX/XX/XXXX and returning XX/XX/XXXX. I paid {$2200.00} for the ticket by charging it to my American Express card. On XX/XX/XXXX, I used the online rebooking tool on XXXX 's website to change my return flight to an earlier flight departing the same day. Due to the pandemic, rebooking fees have been eliminated. When it comes to rebooking, the value of the old ticket is applied towards the new ticket. In my case, the new ticket was {$9.00} less than the old ticket resulting in a refund of {$9.00}. After completing the rebooking, I checked my online Amex account statement and discovered a {$1200.00} charge from XXXX instead of a credit for {$9.00}. On XX/XX/XXXX, I attempted to contact XXXX customer but wasnt able to get through until the following day, XX/XX/XXXX. After getting ahold of a XXXX agent and explaining how I had been charged instead of receiving a credit, the agent told me that I had to send an email to XXXX customer care to request a refund which I did. All further attempts to contact XXXX for a status on my refund were unsuccessful and I never head back from XXXX. After no response to my refund request from XXXX, my only option was to contest the charge with American Express. Charge Dispute with American Express DISPUTE OPENED : XX/XX/XXXX DISPUTE RESOLVED : XX/XX/XXXX DISPUTE REVERSED : XX/XX/XXXX TOTAL DURATION : 139 DAYS XX/XX/XXXX ( Day 1 ) Charge Dispute opened on American Express website Account Ending In : XXXX Reference Number : XXXX Merchant Name : XXXX XXXX XXXX XXXX Amount : {$1200.00} Transaction Date : XX/XX/XXXX Dispute Type : Incorrect Amount XX/XX/XXXX ( Day 71 ) End of 2nd Complete Billing Cycle Amex missed this deadline. XX/XX/XXXX ( Day 90 ) Last day for American Express to resolve charge dispute Amex misses this deadline. XX/XX/XXXX ( Day 102 ) Dispute resolved, {$1200.00} credited to my account I received the following letter notifying me that Amex had issued credit for disputed amount back to my account. Amex removes the dispute from the dispute management page of their website thereby closing the dispute. Chargeback issued to XXXX. XX/XX/XXXX Letter from Amex : Dear XXXX XXXX XXXX, We're writing to give you an update about your inquiry regarding a charge from XXXX XXXX on your account listed above. We're pleased to inform that as a result of our investigation, the credit has been issued to your account for {$1200.00}, which will appear on your next statement. We have also issued the credit of {$9.00} to your account as requested by you, which will appear on your next statement. It's important to know that we may accept the response from the merchant at a later date and review the information they provide. In these situations, we may rebill your account for {$1200.00}. If that happens, we'll be sure to let you know immediately. Thank you for the opportunity to assist you in this matter. Sincerely, American Express Customer Care XX/XX/XXXX ( Day 139 ) Amex reverses previous credit of {$1200.00} American Express notifies cardholder that the previously issued credit for {$1200.00} has been rebilled to his account. XX/XX/XXXX Letter from Amex : Dear XXXX XXXX XXXX, As you are aware, we have been investigating your billing inquiry with XXXX XXXX WEB. We previously let you know that we might rebill your account if we received sufficient support from the Merchant. Credit ( s ) for {$1200.00} was issued to the above referenced account. We have now received support/explanation of the charge ( s ) and a copy of the supporting information is attached/ explained. Due to this response, we have removed our previously issued credit ( s ) and rebilled your account for {$1200.00}. You'll see the debit ( s ) reflected on an upcoming billing statement. If you have any new information that may change the outcome of this dispute, please contact us within 30 days. We thank you for your valued membership and would want to see you as a part of the American Express Family for many years to come. Thank you for the opportunity to assist you in this matter. Sincerely, American Express Customer Care
Company Response:
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had an issue with my bank due to a fraud alert on a check I deposited. This alert caused funds to be rejected and payments to be reversed. After spending a half day on the phone and going to the bank I was able to resolve the issue and have the funds cleared. However, because of this I was charged seven {$29.00} returned payments fees for payments less than {$29.00}. I called American Express and explained the situation, but no one wanted to listen or help. If had extra money sitting around this would not be a problem but I can barely make my payment. Can the CFPB please help?
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX, I applied for an increase of credit limit with American Express, for my Amex Everyday Credit Card. On XX/XX/XXXX, my request was denied. I have had an account with American Express since XXXX, and have never received an credit limit increase, after request were made.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022, I applied for an increase of credit limit with American Express, for my Blue Cash Everyday Credit Card. On XX/XX/2022, my request was denied.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: AMEX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AMEX XXXX )
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A