Date Received: 2022-01-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I open account on XX/XX/XXXX, until today XX/XX/XXXX I am paying the full amount of balance in each statement before closing day. But just a few months ago ( 4 ) this card start charge interest anyway if I paid the balance. I call several time in order to review what is wrong and got a different answer. The point is as I knowledge when you pay in full the statement balance is not possible to charge interest for amount that are coming in the next period. ( You can avoid paying interest on purchases by paying your balance in full ( or if you have a Plan balance, by paying your Adjusted Balance on your billing statement ) by the due date each month - AMEX PAYMENT PAGE ).
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
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 sent a billing error dispute through US Postal Certified mail on XX/XX/2021. The customer service team confirmed that they received my I have called several times for an update on this resolution and they have not sent any correspondence through the mail acknowledging that they are still working on this matter. It has now been 3 billing cycles ( 94 days ). I am now demanding that the late payments AMEX submitted to the CRAs be removed for the months of XXXX and XX/XX/2021 as AMEX went against their own terms and tried to collect on a disputed amount and reported negative activity to the CRAs. I am also demanding a lawful refund of all payments made toward the disputed amount in the total of {$3400.00} as AMEX received my dispute and chose to not respond to my dispute. Pursuant to federal law, CFR XXXX ( f ), AMEX did not resolve this dispute nor send an explanation or provide documentary evidence as requested in the debt validation letter sent on XX/XX/2021 as well. Therefore I am demanding the remedies set forth in this complaint.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
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: XXXX XXXX of Complaint listed as closed. Three total charges should have been reversed. AMEX reverser one of the unauthorized charges. On XXXX I initiated a follow up complaint. I do not see my second complaint open on my CFPB account.Therefore, I am herein resubmitting my XXXX complaint. Resubmission Dated XXXX of Unauthorized Charges in the amount of {$3100.00} and {$3900.00}. Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX IA XXXX https : XXXX XX/XX/XXXX RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card Representative : AMEX reversed a charge XXXX the amount of {$3900.00} charge Transaction Date of XX/XX/XXXX. This charge was reversed because of the lack of a valid electronic signature authorization. Thank you for your assistance. My question is why the other two charges not reversed. XXXX has not produced a valid electronic signature for any of the three charges ( {$3100.00}, {$3900.00} and {$3900.00} ). The charge in the amount of {$3100.00} and the charge in the amount of XXXX do not have valid electronic signature authorizations. XXXX has not provided an alleged authorization for either of the two remaining charges. Please see Complaint XXXX. I am filing my continuing complaint for a reversal of the {$3100.00} charge and a reversal of the second {$3900.00} charge which remain on my account plus credits for all interest charges, and any other fees or charges associated with the three unauthorized charges. Thank you for your cooperation. . Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX Direct XXXX XXXX
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Ive been a customer with AMEX for almost 5 years. Always made my payments, and have paid my balance in full several times. Amex have gone out of their way to prove to me how much they dont value me as a client. And as much as I hate to say it, I strongly believe the reason for the way theyve treated me as a client is due discriminatory reasons. Let me explain. Ive have my Hilton Card since XX/XX/XXXX, my limit has remained the same. Ive requested for an increase several times and AMEX always come up with a reason to reject them. I would work on the decline reasons and reapply at a later time and they still decline my requests. To make matters worst, not only they never increase my limit, in XX/XX/XXXX, ( almost 4 years after being a loyal customer ), they decided to LOWER my credit limit by 80 %. I had to go through a lot of hassle to regain my original credit limit. I had to pay to fax income information, copy of my credit report with my scores ( my scores were over XXXX ), spent hours on the phone dealing with the assigned department. Now, as of XX/XX/XXXX, AMEX have completely remove the option for me to request for a limit increase. I can no longer apply for a limit increase. Have I really been that bad of a client to get that kind of treatment? We also had a Gold card, which was suppose to be a no preset spending limit card. Well 2 months after having the card, and AFTER AMEX charge us the {$250.00} annual fee, theyve placed a limit on that card too, a lousy {$2000.00} bucks was our credit limit - ON A GOLD CARD! Unfortunately we were never able to remove the {$2000.00} limit cap that was placed on our Gold card because AMEX refuse to acknowledge my personal income because my wife was the primary owner of the card. So we were forced to cancel the card for obvious reasons. Its a shame what Amex have come to be. I used to have high regards for Amex, but now its almost disgraceful what theyve become as a company and the way theyve treat their customers. And Ive heard the same feedback from many others.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A former boss, pre paid money into my credit card and bought the goods with my credit card and then called his bank to stop payment saying that it was a fraudulent transaction and the credit card company XXXX American Express ) is saying that I owe the money. I went to the FTC and the FBI about the matter and nothing has been done. It ruined my credit score and I want to sue American Express because I lost a job opportunity because of it.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Please open attachment. American Express has violated my federal rights Pursuant to 15 usc 1602 ( p ) and 1602 ( n ). They have not responded to my communication or have done what Ive demanded of them.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express has closed my account due my XXXX and my XXXX and Im a XXXX American guy work so hard to get approved for this and I called American Express few times to cancel the disputes that I didnt filed over the phone and rebill me so I can pay them and they were unable to do so. And they close my account and I had a Hilton honors card for a year made my payments on time and my credit reports shows no history of the account .. its totally empty and I filing this complaint because I felt discriminated and its very hard to reapply with this company
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made payments to my american express card that Amex sent back because the payment could not be processed and charged me a {$35.00} fee. This happened three times over the course of 2 months. I had enough on my bank balance to cover the payment to Amex so I spent countless hours with Amex and my bank and finally both of them together in order for them to reverse the fee charges. So it seems that they had returned my payment with a reason and charged me a fee for doing so.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX XXXX, am a federally protected consumer who extended credit to American Express as of XX/XX/2022 and I am aware that American Express is in violation of my rights. Violations are included in attachments " XXXX, XXXX XXXX, XXXX, XXXX Response 2.pdf '' Please review the attachment, " amex.pdf '' to review my complaint.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Beginning in the month of XX/XX/XXXX my prepaid American XXXX card fees are higher. My card could not be used as advertised. It consistently declining at stores with funds available. In XX/XX/XXXX. I disputed transactions that amounts were wrong, I was charged 2 times for the same service and unauthorized transactions. My card was replaced but my money from the dispute was not replaced. On XX/XX/XXXX I called about another transactions that I did not authorize and the other disputes from XXXX. The representative was rude another representative put me hold for an hour never transferred my call to the fraud department or came back to the phone. One representative asked me for the transactions from the dispute in XXXX. I login my online account and could not find any of the transactions that I disputed. Like it was deleted erased never existed.
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A