Date Received: 2022-01-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, American Express ( AMEX ) indicates that I owe a balance of {$4700.00}. I do not owe this balance. I have gone back and forth with AMEX in regards to this issue and have asked them to investigate the matter. They have not. I asked for a review or print outs of my account, however, AMEX indicated they could not give me printout pass a certain time. I closed my account in XXXX and had a zero balance. When I reopened the account, I was told this amount was outstanding on my account. There have been multiple calls made to rectify this issue but I have been placed on extensive holds, sent to multiple agents and experienced dropped calls as a result. AMEX even offered to reduce the payment amount for payment, however, it was an attempt to get my bank information. I explained to AMEX that my identity and information has been breeched several times, and inquired requested an investigation. I filed a police report and presented this to AMEX. There has been no resolve. I would like to get copies of my statements for the entire time holding a AMEX card, and I would like that AMEX remove the charge. I explained to AMEX of two attempts from " representatives '' to secure my social security number and to reopen the closed AMEX. The last incident occurred on XX/XX/XXXX. As instructed, I completed AMEX 's identity theft declaration. Embarrassing as it is, AMEX representative contacted my family members looking for me after he had already spoken to me a week prior.
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for an American Express Delta Gold card with a XXXX sign up bonus after the required spend. I met the required spend, Amex credited my account on my Amex statement for approx 72,000 miles, but has not transferred the points to XXXX. I have called Amex multiple times and have not been able to get Amex to transfer the points even though they are in my Amex account. I have attached a copy of the Amex statement which shows I have accrued the points.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed my account. I pay fees {$500.00} every year for this card, now all my benefits are gone. I depend on this card. I would like it reinstated and I would like my benefits for 2021 : {$250.00} airline credit {$250.00} hotel resort fee free 1 night hilton free airline lounge access
Company Response:
State: CA
Zip: 90808
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express closed my account ending in XXXX. I've been a loyal customer for many many years, I depend on this card. This was an unfair closure. I want the card reinstated.
Company Response:
State: CA
Zip: 90808
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
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: In spring of XXXX, a relative was held in XXXX custody, and the prison told us to use XXXX for phone calls with them. Our last " authorized '' charge with them was back in XXXX. In XXXX out of the blue, they charged my AmEx card {$39.00} four times on XX/XX/XXXX, XXXX, and XXXX. I didn't notice the one on the XXXX, but I disuputed the last 3 with AmEx after trying to get a refund from XXXX.
I have included additional information in the attached PDF, which was my response to AmEx 's finding in XXXX 's favor.
XXXX 's response to Amex for each dispute was a 10 page PDF response, nearly identical : - they had computer logs showing we first visited the site at
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My cardmember agreement provides a cash back reward of 5 % on mobile phone charges paid by the card. As it is generally the only charge I make with the card, the statement and rebate numbers are typical from month to month. There were errors in the percentage of cash back in XX/XX/XXXX, XX/XX/XXXX in which I only received a 1 % rebate. I contacted them in XX/XX/XXXX and was told it would be taken care of and my account adjusted. This was never done. I was lied to. The same thing happened on the XX/XX/XXXX statement where I only received a 1 % rebate instead of my normal 5 % rebate. I just spent several hours on their chat to no avail. We have used this method for payment of the phone bill for many years and it is obvious that the error is on the part of American Express. I am being told by Amex that there is NO error on their part. They are in breach of their agreement with the cardholder. If they are stealing from me, I am sure they are stealing from other cardholders.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: 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 ). In response to 211117-7635684, American Express acknowledges it accelerated the outsanding balance on a charge card account because it was allegedly forty-two ( 42 ) days past-due. Moreover, American Express acknowledges hiring an outside company, XXXX XXXX on XXXX XX/XX/XXXX " to assist in collection efforts '' on an account that was allegedly past-due. Moreover, American Express acknowledged that my account " is not eligible for paperless billing statements. '' Thus, the statements would have required mailing to my address on-file. In XXXX, American Express then alleges that since I was not eligible for paperless billing statements, statements were allegedly mailed by American Express to the address on-file. The expectation was then that ANY payment to be made would be made through the outside agency. American Express also expected me to direct any inquiries regarding my account to the outside agency. No information nor ability to pay would be provided to me through the American Express web portal : " since your account is with an outside collection agency, we mailed your statements and directed you to the outside collection agency for information about your account instead of directing you to your online account to view statements and or make payments. '' In response to CFPB XXXX XXXX, American Express acknowledged that they were notified electronically by XXXX that I was not receiving statements. American Express did NOT conduct an investigation or verify the address on-file as a result. Rather, American Express concluded that it could not possibly be a billing error with their mailing procedures and process. Consequentially, American Express acknowledged believed it was sufficient for XXXX to verify my address over the phone. In CFPB XXXX XXXX, American Express acknowledges that it sent my account to another collection agency On XXXX XX/XX/XXXX, XXXX XXXX As of XXXX XX/XX/XXXX, my credit reports no show the American Express account is one-hundred twenty ( 120 ) days past-due, with an alleged delinquency beginning XXXX of XXXX -- the month when the collection agency changed from XXXX to XXXX. Blocking someone from being able to receive paperless billing statements when it is known a consumer is not receiving their paper statements for whatever the reason is patently unfair. Having a collection agency direct a consumer to use a link to pay that requires knowing the FULL account number for the account in question is patently unfair. Providing PAST billing statements in response to complaints AFTER the account becomes past-due is patently unfair. As a matter of fact, Regulation Z requires American Express to provide periodic billing statments ton a regular basis. The issue at-hand is whether the data furnished to the CRAs regarding an alleged delinquecy on my account is fair. If I have notified American Express electronically, through a collection agent of their choosing that then files a billing error notice, and American Express refuses to conduct an investigatino pursuant to 12 CFR 1026.13, then it is unfair to supply adverse payment information to the CRAs for that account. If American Express then changes the collection agency and I have no contact with them especially before the next due-date, in this case transerred on XXXX XX/XX/XXXX with the next due date XXXX XX/XX/XXXX, then it is not fair. Each of these actions taken by American Express reflects tactics that it knows, or should know, causes significant injury to a consumer 's credit files. Moreover, American Express knows, or should know, that such actions taken in concert with an inability for a consumer to access paperless billing statements, would leave the principal payment and interest charges for any subsequent billing period unknown to the consumer. American Express set up a system of procedures and process specifically to damage consumers if it could not get its way. The initiation of the scheme is acceleration of a full balance on an account due to alleged serious deliquency, in this case an alleged forty-two ( 42 ) days past-due. It is worth mentioning that it is customary of accounts to be sent to outside collection agencies for recovery when meeting a threshold of multiple months in the arrears, for eaxmple, ninety ( 90 ), one-hundred twenty ( 120 ), or even one-hundred fifty ( 150 ) days past-due.The collective actions taken by American Express are set up to specifically place certain groups of cardmembers ( 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 and " trust, '' orally that what an agent of American Express says is " owed '' is indeed accurate without being able to inspect a billing statement. This construction specfically denies a consumer the ability to check a statement itself for errors, overall depriving a consmer 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 " trustig '' what in this case " can not be seen or inspected, '' is injury to a consumer by reporting delinqency 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 hold cardmembers XXXX that its analytics systems and practices determined to be of " higher risk '' relative to the risk appetite in the current economic and health environment.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Around the start of XXXX XXXX Applied for an american Express gold card as a natural person and was denied. I called numerous times to figure out why, and the ONLY reason i got ( also received in multiple letters ) was that there was no credit score and no undisputed claims exist on my report. I was told to fax information regarding a reconsideration nd was still denied. American Express has violated my rights to credit as a natural person. and failed yo uphold the Truth in Lending. They fiegned being a " creditor '' but can not loan credit or money persuant to 12 USC 83. Also violating 31 CFR 306.11 ( a ) ( 1 ) creating commercial paper using my social security number ( open ended credit plan ) which can also be construed as identity theft because i recieved no benefit from the use of my social as required by law. There, s a hard inquiry on my reports as well to support the use of my SSN. Congress has declared that it is a grave thing for proper information regarding credit be given to consumers to restore the faith in the economy. American Express has violated my right to credit as a consumer and natural person. American express has damaged my reputation and caused harm to my name by posting on my consumer credit file which bears the worthiness of my name. American express also violated the free credit reporting act by using my credit report in whole or in part of their adverse action and failed to provide a numerical reference. They lied in their responses saying they have rights to view my consumer reports. How is this legal without a subpeona or permission from me? I was violated and American Express has been no help. They tell me the laws don't apply. They said there is nothing they could do after I sent them the applicable laws. My reputation and RIGHT to credit are being trampled on.
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I logged on to the American Express website to make a payment only to be greeted on the landing page by a red warning notice " account closed ''. This was a big surprise after being a customer since 2004. Especially since I have always paid my payment or contacted them to inform if the payment maybe late. I called the customer service dept and was told I could apply for a reinstatement, but 6 days later I got a denial letter stating the only reason for a denial was my current fico score. Its currently at XXXX but was XXXX for many years and I pay my bill with the same integrity now as I did in the past. Whoever decided to close my account did so by his/her opinion, not by the facts of my case, and did so rudely by giving no warning or chance to improve whatever he/she felt was the issue that warrants further destroying my credit score. I just recently completed 12 months of covid relief payment plan with success ( XXXX payments on time ) and the account closing date of XX/XX/XXXX was my early Christmas gift from Amex is an eyeopener for me since I have kept this acct open and in good standing many years naively thinking Amex was appreciative of cardholders such as I. They dont know or realize that my fico score declined after another bank charged off a credit card and obtained a judgement without my knowledge. Unfortunatetly that bank didnt get a penny from me since my disabilty retirement check is protected from garnishment and if they had left my account opened it would still be paid monthly by me. Amex will be the next failed attempt that will never get a penny from me. It works both ways, I can permanently end things with them especially since they seem to want it that way,
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 To Whom it may Concern I entered a consumer credit transaction with this organization American Express and extended them my credit and as a result American XXXX used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. Which I have 3 account XXXX account XXXX account XXXX in my all caps Name. American Express are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law American Express have committed fraud and several violations of the FDCPA and TILA. American Express are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. American Express have not validated anything they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope that alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. I ask for a refund and was denied under 12 CFR 226.11 - Treatment of credit balances ; account ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. American Express are also claiming that they must report information to the consumer reporting agency. I have called American Express at-least 4 times and talked to them via chat multiple times regarding this issue and have not been able to resolve it. They are now charging me late fees and miss payment fees for something that should have already been resolved. The Consumer Financial Protection Bureau handbook 3.1.1 furnishers incentives and deceptive states- reporting to consumer agencies and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file. I told all agent to please have the CEO call me and I refuse that right. I also sent the coupon as a payment of acceptance 3-306 and 3-111 Still no response from XXXX XXXX. I didn't give my consent to lower my open end credit plan and open end consumer credit plan to {$0.00} nor close my account. I didn't give my consent to report any late on my consumer credit report. As a cardholder I extends my credit card to American Express and the term " accepted credit card on 15 USC 1602 tell you obtaining coupon, money, card, property on credit. I ask for the account to be zero out with the coupon. So, American Express has been double dipping and under the fair Debt Collection Practices Act. they are Debt Collector So how can a they loan me money. Bank can't loan money. I been deceptive and misleading representation under 15 USC 1692e, 15 USC 1692f, 15 USC 1692g. 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector. Thank you XXXX XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A