Date Received: 2022-01-13
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: today I logged into my bluebird account, and found the balance in it was empty, after I checked the transaction history it turned out that there was a transfer out to an external bank account, and it wasn't my bank I don't recognize the transaction!
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express announced that from XX/XX/XXXX they will be offering a {$200.00} hotel credit for prepaid bookings made on their XXXX XXXX & XXXX XXXX I prepaid for a booking at The XXXX XXXX on XX/XX/XXXX for {$340.00}. Amex had initially credited {$200.00} for previous bookings ( before XX/XX/XXXX ) I made, but, ultimately, I had to cancel those trips due to Covid. They debited the credit for previously canceled bookings but never re-applied the credit for my still open XX/XX/XXXX booking, which I then completed on XX/XX/XXXX. Their automatic crediting system failed to see I had made another eligible booking for which the {$200.00} hotel credit should be applied. I raised this concern to Amex and had a rep manually issue the credit, but I only received {$110.00}. Im still missing {$85.00} of the {$200.00} promised to me in XXXX for spending on their online travel agency. I raised this problem to Amex again saying Im missing {$85.00}, but they concluded on XX/XX/XXXX that Im not owed anything more because the full {$200.00} was issued. This is categorically false. The backend team failed to tally up all the times the credit was applied and reversed and see that Ive been net awarded {$110.00}, not {$200.00}. They couldnt even tell me what the date is of when the full credit was issued. I have raised this up with them 5 times and have been waiting 5 months for a fair resolution. Amex is encouraging customers to spend on their luxury XXXX while promising a {$200.00} rebate as part of paying a {$690.00} annual fee, but their booking system cant handle when a customer books and makes adjustments to their travel plans. Its frustrating and anxiety inducing to use this benefit for fear that theyll conclude the customer is not owed anything, yet theyve still collected all their fees.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have sent AMEX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & DesisXXXX also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: AMEX took legal action against an account removed from my credit report that was originally reported as a result of identity theft. This is a violation of my consumer rights.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: American Express is reducing their risk exposure during the pandemic by targeting and culling cardholders that their system can/could determine were most impacted by the on-going pandemic. As many of those individuals are women with small children, and/or individuals who are XXXX, and/or are from minority backgrounds, American Express is now XXXX in their lending and credit practices against those in at least three ( 3 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) and Regulation B, and the Americans With Disabilities Act, respectively. American Express appears to have additional violated several portions of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ), 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), and 12 CFR Part 1026 - Truth in Lending ( Regulation Z ). In American Express ' XXXX XXXX response to CFPB complaints XXXX, XXXX & XXXX, American Express implied that I had been receiving bills and was able to make payments through their online system between the months of XX/XX/XXXX and Present because " I was able to make a payment on XXXX XX/XX/XXXX. '' That is when I was able to regain access to the system after American Express re-enabled access through it's web portal. In that same response, American Express threatened AND/OR took action by placing my account into an alleged CO status on or around XXXX XX/XX/XXXX. The issue began when American Express sent the account for collection to an outside agency alleging it was " seriously delinquent '' in XX/XX/XXXX. Per American Express, the instructions were quite clear on how I was to make payment if payments were not automatically set up through the collection agency. In the XX/XX/XXXX e-mail, American Express instructed payments to be made on a new site, presumably designed for handling collections, using a five ( 5 ) digit reference code. However, the provided URL provided for the website required a full card number and eand 4-digit card id. The XX/XX/XXXX notification made no mention of my ability to pay by phone, nor mentioned the ability to pay through mail, and provided a limited list of options for paying through American Express itsef. I was not able to pay using the new American Express system because I no longer had the card information. Moreover, since American Express disabled access through their regular web portal between the months of XX/XX/XXXX and XX/XX/XXXX, I was not able to retrieve statements online. As such, my only recourse was to elect for automatic payments through the outside collection agency. When the collection agency changed, the ability to make automatic payments changed. The bottom line is American Express was aware that there had been an issue with me receiving statements since XXXX XX/XX/XXXX, as they were notified in-writing by the collection agency assigned to service that account. Yet, they no actions to investigate the mater beyond having the address information verified by that collection agency. Further, they did not conduct a billing error investigation as required under 12 CFR 1026.13 in response to my billing error notification placed with American express in writing by the collection agency on my behalf. The FCBA requires that American Express promptly conduct investigations when a consumer files a billing error complaint/dispute. It is unlawful not to conduct an investigation when a consumer notifies a creditor, in this case American Express, in writing or electronically. American Express knew there was a billing issue ( trouble receiving statements ) because they sent me a " How to Print Statements At Home '' e-mail on or around XXXX XX/XX/XXXX. So, they simply didn't care to address the issue UNTIL such a time as the could place the account in a CO status. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits deceptive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is considered deceptive under the CFPA if it ( a ) misleads or is likely to mislead the consumer ; ( b ) the consumers interpretation of the act or practice is reasonable under the circumstances; and ( c ) the misleading act or practice is material. American Express acknowledges sending the account for collection to an outside agency on or around XX/XX/XXXX. I received an e-mail from American Express on/around XXXX XX/XX/XXXX notifying me of the transfer to an outside collection agency and was specifically instructed to work with that agency to pay the balance on my account. The e-mail provided the url for the collection agency 's payment system where I was to make payments. Although that same e-mail stated I could continue to pay my bill through the American Express, I was provided a url to do so that was different than the normal website. To quote, " You may also pay your balance online at [ www.americanexpress.com/waytopay ] using a five ( 5 ) digit reference code XXXXX to access the website. '' This XXXXX number was my ZIP CODE. I was no longer able to retrieve statements nor able to log into the web portal through the mobile phone app or website. I now had to pay through the " new '' url provided -- it required the full account number and the 4-digit card id. I no longer had the physical card because I was told the account was canceled and that upon reinstatement, once the balance was paid-off, I would receive an entirely new card with a different card/account number. The goal of American Express was to get the " pay-over-time '' balance paid off on my account as quickly as possible because they were not making enough money on interest payments to keep the account on the books. American Express knew my account was canceled. They knew I would be paying through a different/new website, as their e-mail notified/instructed me of the two ( 2 ) applicable ways to pay : through collection agency payment, through the new/alternative American Express website. Any company that creates a web-portal creates use-cases for the different types of users that will log into their systems through that portal. A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for security reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for security reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : security reasons. Therefore, in the course of use-cases, American Express knew , or should have known, a card-member with a canceled account would likely be unable to log into the " new '' website because they would no longer have access to the full account number, or 4-digit id. The deception then occurs in the e-mail notifying of placement, wherein American Express would hold they provided the 'credentials ' necessary to log into the this website via the five ( 5 ) digit reference code, establish the website to require the full card number and 4-digit card id to gain access to it. American Express would then only need to wait out the clock to charge-off the account and write the amount off or pursue avenues of legal action to recover the alleged amount due. In the process, American Express would be able to have an excuse not to reinstate a cardholder upon recovering the alleged outstanding balance, claiming " Well we even gave the consumer the opportunity to regain card membership AFTER they paid off the remaining balance and they STILL refused to pay. '' Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ). I am in fact entitled to retrieve/receive periodic monthly statements. If an institution is aware that there has been difficulty receiving statements through mail, then it is unlawful not to provide access to those statements on a periodic basis by other means if those other means are available to other consumers ( cardholders ). As I was not getting statements per mail and was not able to retrieve statements through the online portal because it required a full card number, I was deprived of right of notice under Regulation Z pursuant to the FCBA. I notified American Express, as I was supposed to, around XXXX XXXX when I stopped receiving statements. American Express records receiving payment WHILE automatic payments were enabled through the outside collection agency. The collection agency was changed at the decision of American Express on or around XX/XX/XXXX. I had no contact with that collection agency. The payments were no longer automated. I authorized a payment on or around XXXX XX/XX/XXXX. I still have not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they have no access to be able to inspect their periodic statements and are having trouble receiving those statements by mail. It is not sufficient under Regulation Z for me to CALL American Express so they can " tell '' me what it is I owe. Verifying the ability to make a payment at some end-point, in this case XXXX XX/XX/XXXX, says nothing about whether a consumer was able to pay through the website or retrieve statements prior to that date. Verifying an address is not a substitute for conducting an investigation and is unlawful under 12 CFR 1026.13. The collective actions taken by American Express are set up specifically to place certain groups of card-members ( consumers ) in a position of being held XXXX, where the only relief is to authorize American Express unfettered access to one ( 1 ) or more of the consumer 's bank accounts via automatic ACH withdraws and/or to " trust, '' orally, what an agent of American Express says is XXXX owed '' is indeed accurate without being able to inspect a billing statement. This construction specifically denies a consumer the ability to check a statement itself for errors, overall depriving a consumer the right to dispute the validity of charges, errors, and payment history that is supplied to consumer reporting agencies on a routine basis. The outcome of not " trusting '' what in this case " can not be seen or inspected, '' is injury to a consumer by reporting delinquency statuses to consumer reporting agencies that then damages the credit-worthiness of a consumer with other current or potential creditors. The negative history itself can stay in a consumer file for up to seven ( 7 ) years. None of these processes and procedures were established for the benefit of the consumer, nor do they benefit competition. Rather they were established explicitly for American Express to be able to reduce their risk exposures to consumers their analytics system can/could determine were most impacted by the pandemic. As many of those individuals are women with small children, or individuals who are temporarily disabled, and or, completely disabled, American Express is now discriminating in their lending and credit practices against those in at least two ( 2 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 and Regulation B, and the Americans With Disabilities Act, respectively. It is suspect the date the account was allegedly CO by American Express was after complaints were filed with the CFPB. That is, complaints were filed within the previous ninety ( 90 ) days preceding the charge-off, making the delay in addressing this matter and subsequent CO appear retaliatory for filing complaints against American Express XXXX Such retaliation is unlawful as filing these complaints with a government agency is protected.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
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: On XX/XX/XXXX, I purchased a pair of shoes from XXXX, the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The item I received on XX/XX/XXXX was immediately painful to wear ( beyond a simple size mismatch ). In fact, the item was so painful to wear that I went to an official local XXXX XXXX XXXXe on XX/XX/XXXX, and the staff confirmed that the shoe I received was not a genuine version of this shoe model. For this reason, I requested a return through XXXX on XX/XX/XXXX, however the original XXXX seller didn't respond ( or communicate with me ) in any way. It was not until I had to manually reach out to XXXX on XX/XX/XXXX to step in, that I received any sort of response. However, while I was vaguely guided to return the shoes, neither XXXX nor the original seller provided me with any return shipping label to do so. After calling the company 3 times over the course of the next few weeks, and each time being promised a return label would be sent to me, I ultimately decided that if XXXX wouldn't allow me to return these non-genuine shoes for a refund I would have to request a chargeback through American Express ( card ending in XXXX ). The process of initiating a chargeback with American Express went smoothly, and the customer service agent I explained the situation to ensured that this matter would be swiftly resolved in my favor ( as the merchant had sold me a product that wasn't as described ). It wasn't until XX/XX/XXXX, that American Express reached out to inform me that they have sided with the merchant ( XXXX ) and rebilled my account. This is ridiculousas it appears American Express has not properly read my original complaint and seemed to have accepted a generic response from the merchant as a reason to reverse the chargeback. As a longtime American Express customer, I frankly expected better. I would like for this decision to be reversed, and for a permanent credit to be issued for this charge.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe I am a victim of identity theft. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( AMEX XXXX )
Company Response:
State: NY
Zip: 10950
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: 2022-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact, so be it ; The fraud committed by AMERICAN EXPRESS is with respect to the informed use of credit and the violation of my rights as a consumer throughout XXXX. These are violations of Title 15 USC 1637a with respect to the open-end credit plan in reference ( Account Identifier : XXXX ) for the account ending in XXXX. In addition, from the use of deceptive forms I am holding all parties liable under 15 USC 1640 and 1611. To be clear, fraud has been committed by both AMERICAN EXPRESS and their counsel as well as a violation of due process by XXXX and Associates. The violation of due process includes the lawsuit from XXXX and Associates not including the signatures of all associates involved in the partnership. In accordance with 15 USC 1602 specifically under 15 USC 1602g this case is one in which an open-end credit plan involving a credit card was created due to a credit sale that was not communicated by AMERICAN EXPRESS ( 15 USC 1602h ) violating the Truth and Lending Act and constituting as fraud. The billing statements provided by AMERICAN EXPRESS per 15 USC 1602j under an open-end consumer credit plan does provide for a finance charge that may be computed from time to time on the outstanding unpaid balance, however, under 15 USC 1602g , honors the credit card and has offered a discount which is a finance charge. In order to validate this debt, I requested to know how the finance charge was calculated as well as the relevant tax forms. Congruent to 15 USC 1602 I am the natural person and original creditor and only natural person involved who, through this finance charge, made AMERICAN EXPRESS a creditor and thus I am the original creditor. This was never expressed in any form provided from AMERICAN EXPRESS and is another example of the fraud committed. In addition, 15 USC 1602l clearly states that the term credit card means any card, plate, coupon book, or other credit device ( in this case the SSN of XXXX XXXX ) existing for the purpose of obtaining money, property, labor, or services on credit. This was the device used in the hiring of the fiduciary AMERICAN EXPRESS and in the opening of the open-end credit plan. The demand of payment on a card that I have issued to a fiduciary that exceeds the finance charge ( 15 USC 1605a ) does not benefit me as the consumer and is again a violation of 15 USC 1602p constituting unauthorized use. In accordance with 15 USC 1602v material disclosures should include how the finance charge is calculated. In requesting the 1096 tax form, the XXXX, the INC and the XXXX for the related account I am well within my rights. The refusal to produce these documents is further proof of the fraud committed. AMERICAN EXPRESS has utilized my consumer report as a form of coercion in violation of 15 USC 1692c ( c ). After receiving notice from AMERICAN EXPRESS that there was an alleged debt held in my name ; I responded in accordance with 15 U.S. Code 1692g with a written cease and desist as well as a request for validation of the alleged debt at XXXX PM on XX/XX/XXXX. AMERICAN EXPRESS notified me via email on XX/XX/XXXX that they had received the cease-and-desist request, confirming that they were fully aware of my request and that they would cease collections until this issue had been resolved. No validation was sent in the month of XXXX from AMERICAN EXPRESS. On XX/XX/XXXX I was notified by XXXX and Associates via mail that there was an alleged debt in my name of {$4600.00} that they were attempting to collect on behalf of AMERICAN EXPRESS and they clearly advised that it was not a threat of suit but still an attempt to collect a debt. This is the first violation of 15 USC 1692d ( 5 ) and of 15 USC 1692c ( c ). This is also a violation of Title 15 USC 1692f ( 1 ). On XX/XX/XXXX at XXXX PM I was contacted via phone by XXXX and Associates in which I was informed that the call was an attempt to collect a debt. This is a clear violation of 15 USC 1692d ( 5 ) and 15 USC 1692d ( 2 ) as well as a violation of 15 USC 1692c ( c ). I advised XXXX and Associates of my cease and desist as well as my request for validation at this time. I also confirmed that I could use the email address XXXX for any further communications. Again, in accordance with 15 U.S. Code 1692g I requested the validation of an alleged debt from American Express file number XXXX. I communicated directly with their counsel XXXX on XX/XX/XXXX at XXXX PM and sent a validation request in writing after calling to confirm. My request in validation was for the AMERICAN EXPRESS, to produce copies of their 1096 tax form, their XXXX, their INC and their XXXX in reference to the account listed so that AMERICAN EXPRESS could provide competent evidence that I have any legal obligation to pay this alleged debt and to give AMERICAN EXPRESS the opportunity to prove that a fraud had not been committed. This is to verify that informed consent was provided which to this point, was not. In addition, I had sent a copy of my cease and desist ; all done on XX/XX/XXXX at XXXX PM and copied the attorney general of my state. This was a violation of 15 U.S. Code 1640, 18 U.S. Code 2073 and 15 U.S. Code 1611. I then received a letter from XXXX XXXX XXXX XX/XX/XXXX with the File ID : XXXX where XXXX XXXX XXXX failed to provide any copies of AMERICAN EXPRESS 1096 tax forms, XXXX, XXXX or XXXX numbers for the referenced account. I received only advertisements, and what appears to be a billing statement with no further documentation which again is a violation of 15 USC 1692f ( 1 ). The next letter I received were from AMERICAN EXPRESS on XX/XX/XXXX noting that my account was in dispute. Furthermore, I was advised by AMERICAN EXPRESS in a separate letter that in order to receive my requested information I would need to provide additional information regarding my address. I contacted them to advise them that I was under no obligation to provide further information about my domicile and that they had all the information necessary to satisfy my request on file. I was then notified by a legal advertisement that American Express National Bank had filed a lawsuit against me in XXXX XXXX under case number XXXX violating the no standing clause of 15 USC 1692i ( b ) as there is no contract that was signed by me, administrator of the consumer, and that I am not a resident of XXXX XXXX XXXX XXXX or of XXXX XXXX. The location information held by AMERICAN EXPRESS is my place of abode and a mailing address only. The actions taken and illustrated above violate 15 USC 1611 ( 1 ) for the willful and knowing action of giving false and inaccurate information as well as failing to provide information that is required to be disclosed under Title 15. The publication of this personal information that led to legal advertisement to be sent to my abode are violations of 15 USC 6801a, 15 USC 6801b ( 1 ) and 15 USC 6801b ( 3 ). Lastly the attached documents and above description show evidence that the following criminal codes have been violated under title 18 : - 18 USC 1341 - 18 USC 1343 - 18 USC 1344 ( 2 ) - 18 USC 1345 - 18 USC 1346 - 18 USC 1348 - 18 USC 1349 - 18 USC 1350
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
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: Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. The Inquiries listed were : American Express ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXXXXXX ( Bank ) XX/XX/2021 American Express ( Bank ) XX/XX/2021 2021
Company Response:
State: NY
Zip: 14612
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A