Date Received: 2022-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : American Express, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
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: I purchased XXXX from XXXX ON XXXX XXXX in the amount of {$840.00} for a Concert at XXXX. I used my American Express Credit Card. My Amex has a {$25000.00} credit limit. I filed a dispute due to not receiving the etickets. American Express stated that there was going to be an investigation and it may take up too 8 weeks. Then 4 weeks later they put back the charges and stated the company has a no refund policy. I explained that I never received the tickets, and how was a liable for merchandise I didn't received. I also stated that there should be a way that tickets purchased can be proven that it was redeemed at the XXXX I disputed this charged 3 times and Amex continue to tell me that the company has a no refund policy. I explained multiple times I didn't receive the merchandise. I paid the amount because I'm in the process of purchasing a home and wanted a XXXX balance on my card. The concert was XXXX XXXX, 2021. I didn't attend due to not having the eTickets.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
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: American Express - Due to covid, late payment was posted XXXX XXXX after an arrangement to pay half then the rest within 2 weeks later. it was agreed that i would not have a negative report to my credit report.
Company Response:
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX is failing to reflect 4 American Express credit cards that I am individually responsible for, despite connecting my American Express account to their " boost '' program and submitting additional paperwork from American Express that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. I opened a dispute with XXXX to resolve this problem. XXXX suggested I contact American Express, which I did. American Express provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to XXXX on XXXX. American Express claimed they were going to " re-send '' my credit data to XXXX but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. As noted above, I linked my American Express account with XXXX 's boost program, which uses a third party to search my credit cards for utilities and other bills. XXXX was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. It has been over 30 days since I began asking XXXX to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.
Company Response:
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Received email on XX/XX/2022, stating that my credit limit would be decreased. Amex said that I could avoid the credit limit increase by paying {$1600.00}. I telephoned Amex, and spoke to 'lending department ' ( based in XXXX because there are no US representatives for lending ). Representative stated there were no late payments in last year ( stated he could not go back further in time ), and no negative comments ; " account in good standing ''. I stated that I perceived the email as a 'demand letter ' for a payment of {$1600.00}. The representative denied that it was, stating that I could avoid the reduction in credit limit if I paid {$1600.00}. PS. I have looked for email ( in computer trash ) and can not find it. I will keep looking.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never made this application on XX/XX/2022. I never signed any documents for this company.
Company Response:
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Sometime in late XXXX or early XX/XX/2021, I applied for the American Express XXXX XXXX XXXX card. They had an offer on their website for 90,000 miles, in addition to some other benefits, by spending a specific dollar amount within a 3 month time frame. The card was approved and I began using it on XX/XX/XXXX and also paid a {$250.00} annual fee my first month. I had not seen my bonus miles show up so I messaged them on XX/XX/XXXX to inquire. I was told that the bonus offer was denied based on my welcome offer history with American Express and another financial institution. The representative also stated that I should have been informed of this at the time of application, they knew that I was not informed and they apologized for me not being notified. I was not informed of this at the time of application. I had even called them shortly after I applied and was approved and the employee had clarified the bonus offer. A transcript of this correspondence containing 3 screenshots is attached. AMEX should have notified me right away as they know I applied for that offer on their website. I feel this is misleading. I have also spent over {$15000.00} on this card in the final 3 months of 2021 so AMEX has made good revenue on our activity. Of course I am frustrated by not receiving the rewards I was expecting but more importantly feel like they neglected to inform me of the situation, which added to the frustration. I really enjoy the quality of the company and the card benefits but it bothers me that this happened. I have referred many other people to apply for this card as well and I continue to use it as my primary card. The reason I applied for it is a family member recommended it as they use it for frequent travel and we plan on doing more traveling now that our kids are older.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XX/XX/2022 I applied for American Express Gold Card 2. I was electronically denied for a credit card 3. I received an adverse action on Tuesday XX/XX/2022 letter stating that I was not approved 4. I called American Express and they informed me that I would have to contact XXXX directly Pursuant to federal law, title 15 Chapter 41, there are statues that inform me that as the original creditor I should not be denied an extension of my own credit
Company Response:
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The XXXX website makes it appear that when you apply for their Credit Card you will get a {$200.00} discount immediately off the the ticket price from the flight. What it does not disclose in a transparent manner is that it is a statement credit. Based off the appearance of the information bellow the ticketing information it is deceiving to the consumer. This is very misleading.
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received the following email in my spam folder on XX/XX/XXXX : From : " American Epress '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : A recent charge attempt requires your attention Date : XX/XX/XXXX XXXX PM Your card has been blocked We've blocked your card to protect your security, we are writing to confirm some recent activity on your account. Here 's what you can do next : Go to amerlcanexpres.comXXXX have your card handy and submit the completed form to us to activate your card instantly.. American Express Customer Care Privacy Statement | Update Your Email Your account information is included above to help you recognize this as a customer care e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. XXXX American Express. All rights reserved. XXXX I have not held an American Express card for XXXX years and it was a business card.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A