Date Received: 2022-01-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: American Express responded to my CFPB complaint on XX/XX/2021 accusing me about having another American Express account that was not maintained in accordance with the terms of the cardmember agreement which is why they closed my personal credit card and gold card. First off, I never authorized American Express to close any of the extension of credit I gave to them. Next, American Express shared my personal information ( name, home address, phone number, account number and more ) to multiple non-affiliated third-parties known as a person or debt collector such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent. Each debt collector has attempted to communicate to me by mail or phone. None of those persons or debt XXXXollectors were present during the initial consumer credit transaction when I extended a line of credit to American Express and when American Express entered my credit back to me. American Express gave, placed, or referred my information to a person also known as a debt collector that I do not know of to collect an assume debt. See the following attachments for proof. American Express sharing, placing, referring, or giving my personal information away to a person or debt collector that I do not know is IDENTITY THEFT. Finally, American Express did not pay me my remedy for violating my consumer rights more than 25 times. I have added a new invoice in the attached with your new balance to pay me for violating my consumer rights. American Express, I want you to pay me my REMEDY, next stop & delete all accounts from any reporting agency, then stop & delete all non-affiliated third-parties, persons, and debt collectors from contacting me, cease and desist all communication with me ; all in that order.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I received an advertisement in the mail for a 0 percent balance transfer on a credit card with American Express. I responded to the advertisement. When the paperwork arrived in the mail, with a credit card attached, it stated 0 percent on new purchases for 1 year. I called the number on the paperwork. They said it was not for balance transfer. I explained the miss understanding and said I will not be activating this card. I did not need a credit card. I never removed the card from the paper, nor did I activate it by calling the number on the card and nor did I remove the sticker on it. Now XX/XX/XXXX, I receive and email that I have a balance do on an American Express Card. I called to report Fraud, since I do not have an American Express Card. They inform me that its a charge from them for a yearly fee. I explain the situation and that this card was never accepted. I was talking to the Fraud department on Saturday Night at XXXX pm and they said I could contact customer service on Monday. On Monday Morning I call and reach< XXXX a manager in the XXXX XXXX Florida office. She said they do not give out last names or id numbers. She said its a yearly fee they can not remove but she can help me cancel the card. I kept explaining that I do not have a card. I asked to speak to her manager, but she said her name is XXXX and she is out sick. I take get effort to keep my credit in excellent standing. I do not appreciate them not removing this fee. this is not a card that I have ever activated and I am thankful I ev paperwork to know what they are referring to. This was XXXX years ago that I received that information in error. I have never received any correspondence until now. It is absolutely absurd that I would own them {$95.00} but she was not willing in anyway to help removed this from my credit report. I do not want this reflecting me. I did not use utilize any credit from American Express. I did not go into agreement for any yearly charge to utilise one of their cards. I do not feel I should pay a charge in XXXX for a misunderstanding that happened in XXXX.
Company Response:
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Everything started XX/XX/2022 at XXXX I received an email from AMEX XXXX American Express XXXX stating that a new account has been open. I surely called the number on the email which was there Identity Protection Team XXXX I spoke to a man and he wanted my personal info like XXXX, XXXX, etc which I declined and only opted to give my last 4 SSN. I quickly hanged up and called the number on the back of XXXX of my AMEX cards to be sure. I quickly explained to the rep qhat is going on and connected me to there fraud dept. and I filed a report on this new account. Later on in the evening I receive a hard inquiry on my credit report finding out through XXXX XXXX at XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX GA XXXX. Never heard of that bank before. Then XXXX minutes later another email pops up stating that a other AMEX product has been processed and approved. I believe now that I am a victim of Identity Theft. That is all the information I have as of now. Help please.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX of 2021, I had been searching for credit cards with good Welcome Offers since I had big purchases coming up. On XXXX XXXX, 2021, I noticed a great promotion for an American Express Gold Card. I returned to the website on XXXX XXXX, 2021, and saw the same promotion - spend {$4000.00} in 6 months, and receive 75,000 bonus points. However, American Express is now claiming that the offer is to spend {$5000.00} in 3 months. I contacted American Express ( Customer Service Rep : XXXX, XXXX XXXX XXXX ), and they haven't provided any proof of the latter offer. Nonetheless, I obviously did not take a screenshot of the promotion the day I signed up. But a basic web archive search confirms the promotion that I signed up for. I would not have been able to spend {$5000.00} in 3 months, and I know for a fact that it was {$4000.00} in 6 months since it would give me more time to meet the bonus offer. I'm honestly shocked that American Express would suddenly change my offer after I had signed up. I definitely did not receive proof of the bonus offer with my Cardmember Agreement, as they claim.
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I purchased XXXX American Express blue bird cards to pay my mortgage the company that contacted me had all the information my house company had and I believed it was my mortgage company and come to find out it was a fraudulent company that had got my companies information. I went and got the cards to pay my mortgage and told me to pay it using the cards so we did. Then the real mortgage company called me and told us they hadnt received our payment. So I called the fake company back with my real mortgage company on the call with us and he listened in asking for information on who they were on a recorded line and they would not give him any answers and hung up and now we are out {$830.00}, {$410.00} on each card because this company scammed us. We called the number on the back of the card gave them the information all over again sent everything they needed in an email and they are giving me the run around hanging up on me when trying to get a case number. I believe the company that pretended to be my mortgage company has connected to the phone numbers on the back of the bluebird cards and are just trying to get people information.
Company Response:
State: IA
Zip: 51501
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I never signed up for a Bluebird prepaid card and received one in the mail with my name on it. I don't see it on my credit report, but did not sign up to receive one.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On XX/XX/2021 Bluebird Card Via American Express accepted a deposit for me from the Small Business Association. It was an XXXX XXXX XXXX in the sum of {$5000.00}. I attempted to access my account shortly after I received an email from Bluebird stating that the deposit was received, but was unable to log into my account. I called customer service on XX/XX/2021 and spoke with a customer service rep who informed me that my account had been blocked, she then transferred me to the Investigation team. I spoke with them and was told that my account was permanently suspended and that in order for the funds to be released from my account I would need to have the SBA write a letter of indemnity. After several months of attempting to speak with someone from the SBA, i was able to speak to a paralegal from SBA who informed me that the SBA does not write letters like that and that they do not understand why Bluebird is refusing to release my funds to me or return them back to the SBA. These funds are much needed and have been held in this suspended account for 7 months now without any correspondence from Bluebird. I have attempted for months to contact them. I have sent several emails to the investigation team only receiving automated responses stating that I would be contacted within 10 days, but I have never been contacted. I have called on several occasions only to be placed on hold, then call ended. I am unable to speak to anyone concerning the release of my funds. However I do receive weekly emails reminding me of the balance of the suspended account. I am unable to access my account in any way. I am not sure where to turn to rectify this matter. How can a company just keep someone's money and tell them nothing? This is insane. I just want my money released from this account. either sent to me or back to the SBA so that it can be refunded to me. This matter has gone unaddressed for to long. Please help me
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied with AMEX today for a credit card and was denied .My credit is in good standing and never any late payments or issues. This is not the first time that this company has denied me and when I called to find out the reason I was told that was due a card that i had with them back in XXXX? I have looked all over my credit report and only card that i had was with my ex-husband and account was opened in XXXX and closed in XXXX. My daughter, tried to add me as an authorized user on her card and they denied me again for the same reasons a year ago .This is insane! I feel i am being discriminated due a bankruptcy that i had to file 18 years ago! The company is giving me the run around and need to get a resolution. Your help will be greatly appreciated. Thank you!
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: During a XX/XX/2021 stay at a Hilton XXXX, I received an advertisement for a Hilton Honors American Express card while connecting to the hotel 's WiFi. The advertisement offered a {$300.00} statement credit upon approval for the card and my paying for a Hilton stay using the card. The promotion 's " Offer Terms '' included the following clause - in bold : " If you apply and are approved for this Card during your stay at a property within the Hilton portfolio, you may use the Card during your stay by adding the Card to your digital wallet and then paying with the Card through digital wallet at checkout. '' I fully relied on this clause when deciding to apply for the card, because I was, in fact, in the middle of a stay at a Hilton portfolio property and did, in fact, intend to pay for that stay with the new card upon approval. I would not have applied for the card if I was not going to be able to pay for that stay with the card. I was approved for the card, but when I went to check out, I was unable to add the new card to my digital wallet. I called American Express customer service, and was told I would not be able to add the card to my digital wallet until i received the physical card in the mail. I would need the four-digit " card ID '' number from the front of the physical card before I could add the card to my digital wallet. The card would not be delivered - to my home address- for well over a week, long after I was checked out from the hotel. Because I obviously could not check out without paying for my stay, I paid with another card. American Express provided no way for me to pay for the stay with my new card, despite the terms of the offer I had just accepted. Subsequent calls to American Express customer service in the weeks since have proved fruitless. Two different cases were created to review the situation ( XXXX XXXX. XXXX and XXXX ), but the supervisory representatives I spoke with assured me that I ultimately would not receive the {$300.00} statement credit or any sort of promotion, compensation, or recompense from them, as I had not paid for my Hilton stay with the newly issued card. They were unconcerned with, and wholly unmoved by, the fact that I had attempted in good faith to abide by the terms of the offer provided, but was frustrated in that attempt because they provided me no means by which to add the new card to my digital wallet, as I had previously been instructed to do. I asked them what I was supposed to have done differently, and never received an adequate response. They just repeated the assertion that there was nothing they would/could do because there was no payment to a Hilton property made from my card. I believe American Express is acting in bad faith. I was baited into applying for the card by the promotional offer, which appeared to provide a clear means for me to pay for my current stay using the new card. They then prevented me from doing so, contrary to that offer 's terms. I now have a card that I otherwise would not have applied for, my credit rating took a hit as a result of the inquiry AmEx put on it when I submitted my application, and I have received no satisfaction or service from American Express at any point during my time as a client. American Express set the terms of its promotional offer. I should not be penalized because they subsequently failed to abide by those terms.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: American Express is performing an adverse action against me as the consumer according to 12 CFR 1026.13. American Express continues to ask for additional unneeded information to process my applications. I have sent my W-4 which entails all information needed. American Express has done hard inquiries on my credit and seemingly is opening accounts in my name. Which are not under my control.
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A