Date Received: 2022-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was blocked from being able to transfer funds from my serve account to my checking account
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was a victim of an internet scam involving my credit cards. This took place for about a month from XXXX, 2019 to XXXX, 2019 I was told to buy XXXX gi! cards from XXXX and XXXX and they would pay of the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my amex, XXXX, and XXXX credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back
Company Response:
State: CO
Zip: 80918
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: 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: This is XXXX XXXX who is submitting this CFPB complaint myself. 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 Credit Bureaus 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: 11211
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We are continuing the previous case ( CFPB XXXX No : XXXX Ref : XXXX ) because the irresponsible and unprofessional response from XXXX XXXX from Customer Advocate Services Team of American Express XXXX After we provided the evidence from our payer 's bank, it's so ridiculous to see " There is a {$100.00} credit on XX/XX/XXXX '' as another explanation here. DOESN'T XXXX XXXX KNOW COMPANIES ' SELL SAME PRODUCTS WITH SAME PRICE? OR AMERICAN EXPRESS NEVER TOOK/PROCESSED DEPOSIT WITH SAME AMOUNT? We provide products/service to our patients, it's VERY NORMAL to be paid with SAME AMOUNT of check from time to time and even at the same date. And the amount of {$100.00} has been paid multiply times since we opened an account with Kabbage. As attached, please find three photos to support our claim for the deposit of {$100.00} paid us ON 12/2/2021 that has NOT been credited to our account due to your banking malfunction. Photo 1. Check paid {$100.00} on XXXX XXXX, XXXX, which is the one credited on XXXX XXXX. Photo 2. A DIFFERENT CHECK paid {$100.00} on XXXX XXXX, XXXX but has not been credited to our account yet. This check number is XXXX and IS THE ONLY ONE we have been contacting with Kabbage. Photo 3. The proof shows that the payer has never received {$100.00} but Kabbage claimed that this check with # XXXX has been returned to payer 's account on XX/XX/XXXX after " Mobile Deposit Reversal '' from our Kabbagge account. This evidence also shows that Kabbage cashed {$100.00} on XX/XX/XXXX from payer 's account. So, who stole the {$100.00}???????????? Hope Kabbage/American Express can get someone who is capable to understand and straight this out. Otherwise, we will continue the complain.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX I called about a card. I gave information liked I am using the card for building houses. I will only be using the card for building houses and nothing else. After this I received a personal gold card. I then called Amex about this and was giving the run around until I finally went online and applied for the business cards myself. After the getting the cards I called about my buying power. Every time I was told there is no preset limit but yet when I want to spend XXXX for building materials. Then in XXXX I was told I had XXXX on XXXX XXXX credit card and XXXX on XXXX XXXX XXXX XXXX. Today when I need to spend money on building materials and to my acknowledgement I no longer have the XXXX on XXXX XXXX and after multiple calls nothing can be changed,.
Company Response:
State: GA
Zip: 30533
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
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: This is XXXX XXXX who is submitting this CFPB complaint myself. 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 Credit Bureaus 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, AMEX XXXX )
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account Name : XXXX XXXX XXXX Amex a/c # XXXX, don't have the full numbers coz I did not received the card. Present address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX & XX/XX/XXXX : I rec 'd a letter of confirmation for request, which I did NOT, to update my address on my Amex acct # XXXX, but still gave my present address. XXXX XXXX, XXXX : They informed that I have an Account Balance of {>= $1,000,000}, which I readily disputed on my response on XX/XX/XXXX. I requested copies of all the charges made be sent to me for verification, in order to help both of us ( AMEX ). XX/XX/XXXX : infroming us USPS can't deliver to said address. The city is wrong, XXXX insread of XXXX XXXX. Inefficient staff they assumed same city ( XXXX ) on different state. XXXX XXXX : Rec't Statements for XXXX, XXXX & XXXX XXXX, XXXX {$18000.00}. 2nd Req. for detailed charges made. XXXX XXXX : Advised that they recived my inquiries. XX/XX/XXXX : Advised that the requested statements can NOT be provided due to inactivity and fall outside the retention period. XXXX XXXX : Furnished Statement ( s ) copies beriod beg XXXX XXXX XXXX XXXX still don't have the detailed Charges. XX/XX/XXXX : Advised that they are working on it ...... AGAIN ... .STILL. XX/XX/XXXX : Informing me that my Application for a card is denied. I disputed their decision since they did Not investigate my concerns. Inefficient, all they have to do is check whether there is activity in any of the credit reporting companies to check if I am telling the truth. XXXX XXXX : Same as XXXX XXXX XXXX : Again, start of investigation. XX/XX/XXXX : Again, they will be investigating, back to ground " 0 ''. XXXX XXXX : Denied! Replied XXXX, I insisted that they correct their records and the Credit Bureaus and sent me the corrected report. XX/XX/XXXX : Sent me same sets of Statements, what a waste of their time and mine.
Company Response:
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My name is XXXX XXXX XXXX, and I am submitting this complaint with my own free will. Please review the attached documents to assist with my complaint.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Follow up to the previous complaint. I am still on the phone with American Express and Im hyperventilating and shaking because of the harm and distress that they continue to cause me. The refuse to investigate my claims of identity theft. I opted out of phone, Mail, and email communications from them in regards to ANY DEBT. And instructed them to contact me through the consumer financial protection bureau at which they refused and sent me another email advertisement against me request.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A