Date Received: 2021-12-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Wanted to charge {$550.00} on my American Express card for a rental car at XXXX Washington DC airport and because of hacking into all of my accounts everyday for the last three years I keep my balance high so there is not much available credit to charge any large amounts. Same has I reported into you and fbi two weeks ago, Amex representative told me I needed to make an astronomical payment, this week it was {$4200.00} in order to free up the {$550.00}. (? ) Week before last it was over {$2000.00} to charge ~ {$600.00}. Excuse is a review of my no pre set spending limit, which does not make sense if I am paying the amount I intend to charge in advance of the purchase which would bring the transaction to a zero balance and any increase in minimum payment for the pay over time portion of the balance should be handled in my monthly statement, not when I am standing at the car rental counter making a payment to zero out the transaction. Unless they are also stalling so the car I am renting can be tampered with while they tie up the phone call, which has also been reported to multiple law enforcement agencies. In either or both events, this has occurred multiple times in the past and represents a pattern of behavior on the part of Amex employees. Have not received any documentation from American Express.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Although my payments are exemplary and so is my credit history with American Express, they continue to bully me through emails to increase my payments to them. They threaten through emails to not approve further purchases if I do not pay more toward the card. I have several cards including a XXXX XXXX which they recently sent me a letter to cap spending. I do not have a problem with that but I do have a problem when I have {$1300.00} available credit and I receive a threatening email from them to not approve further purchases. I also have a small consulting firm with an Amex card paid in full each month. The harassment has become intolerable. Although I have used their tools to manage these emails, they must have me on a list of their own and I am unable to stop these emails. If I send them a letter, they retaliate in some way to make use of my cards almost impossible without receiving their nasty emails asking me to pay more or threatening to not approve charges. All of my cards are in good order, paid on time.
Company Response:
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Kabbage XXXX Monday - Friday XXXX XXXX. - XXXX XXXX. XXXX Saturday - Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kabbage employed unethical practices pertaining to consumer solicitation for opening a checking account. Representatives are steering consumers to obtain a business loan/ line of credit and ignore requests to actually open a checking account without also obtaining a loan from one of their affiliate lenders.
Company Response:
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened this account with American Express Serve debit/credit card with attached checking account ) about XX/XX/XXXX. This card requires that the user show identification when the card is used, however, I or other users not often asked. Over the almost 5 years I have had this account pilfered ( robbed ) by XXXX individuals in XXXX separate incidents in which I have made police reports and submitted Declaration of Fraud forms to American Express Account Protection/Fraud Department regarding fraudulent activity on this account ( XXXX, XXXX and now again in XXXX ). Please see my complaint from about XXXX this year ( complaint # XXXX ). I was referred by the Office of the Comptroller of the Currency to your agency. It is my understanding that this case with your office has been closed. Now almost {$20000.00} in XXXX years has been stolen from this account ( since XX/XX/XXXX ) and American Express has never refunded one penny of stolen money. This account has Fraud Protection on it, therefore, American Express ( Serve ) is in Breach of contract on this. As is allowed by contract, I have reached out to an arbitrator for a solution on the first theft of XXXX ( pending with expected court date about XXXX or XX/XX/XXXX ). However, this complaint on the third incident of theft from this account has to do with fraudulent electronic transfers of funds from my AmEx Serve account to another account holder whose name I had never heard before XX/XX/XXXX when AmEx Customer Service Department told me a XXXX XXXX was transferring funds from my account into his own. I receive funds into my account by direct deposit. I have been working with detectives in Texas to try to prosecute the individuals who are doing these thefts, and AmEx is Obstructing by refusing to provide even temporary reimbursement of stolen funds into this account. I was told by AmEx that the first theft by this XXXX XXXX was about XX/XX/XXXX, but I didn't learn about it until about XX/XX/XXXX, long story short. At that time, I asked AmEx to not allow transfer of any funds from my account or allow any changes to my account such as address, phone number, email address and to flag the account for Fraud, which I was told by Customer Service rep that they would do ( via phone conversation ). Again, with " XXXX '' at Customer Service I requested the same on XX/XX/XXXX and sent fax to Fraud/Account Protection Department and letter to an address in " XXXX XXXX, Georgia '' which I was told I could do to try to expedite and clarify this Fraud situation. Yet, on about XX/XX/XXXX, AmEx allowed XXXX XXXX to transfer funds ( all ) from my account into his ) again. Then again in XXXX I phoned and asked AmEx not allow this to occur, flag the account for Fraud and not allow any more changes on the account, yet they let him do it again about XX/XX/XXXX. In XXXX I tried to close this account and was told that if I did so that they would halt the Fraud investigation ( whatever that entails ). Then I found out that the address I've been writing letters to in XXXX XXXX, Georgia was really " XXXX '' Georgia and that Customer Service reps had been lying to me for years about the address. Yesterday I tried to close this account again and was again threatened that if I did so, they would halt the Fraud investigation. Again, I believe AmEx is Retaliating for my complaint to your office, the Texas Attorney General, the FTC, the Texas Banking Commission, Office of the Comptroller of the Currency and other agencies. There are thousands of complaints against AmEx for this kind of treatment of customers if one reads the internet. I personally know XXXX individuals who are willing to attest to similar situations occurring with their accounts- like Breach of Contract, " losing '' funds - funds just totally disappearing or being sent into other AmEx customers accounts. Again, AmEx is committing Fraud, including under Texas Law especially in regard to Deceptive Trade Practices Act ( reference CGS-308966 with Texas Attorney General Office , still unresolved ). AmEx advertises these account as having Fraud protection on them, yet see what is happening? AmEx 's response to you guys letter to them earlier this year ( their letter dated about XX/XX/XXXX ) was that " no error occurred '' - this is their term for " transactions are authorized '', yet repeatedly I have informed AmEx and police that all the fraudulent transactions are NOT, THEY ARE IN FACT ALL UNAUTHORIZED without question. I have signed sworn statements to this effect. Often when one calls the Account Protection Department/Fraud Department and asks for a supervisor one is " disconnected '' - it happens so frequently that one becomes suspicious. Further, by keeping my direct deposits within the " umbrella '' of AmEx XXXX XXXX- this " XXXX XXXX '' account they are keeping those funds for their company. I truly believe there is a possibility there really is no XXXX XXXX or if there is, that AmEx is doing something really fishy. I am really distrustful of them right now. The lying about the address in XXXX, Georgia indicates something is very wrong. My email address on the original complaint with your agency has been hacked ( it was the same email address used on the AmEx online account ). My new email address is XXXX. My phone number on original complaint with your agency is XXXX - but now we can't pay that phone bill, so we have to use the XXXX, our business phone number. AmEx has also charged me ATM fees in violation of Contract on this account as have several other persons holding AmEx accounts. AmEx is being sued in at least XXXX class actions I have found on internet. Also, AmEx Account Protection/Customer Service reps often just straight out lie or try to argue facts, such as that transactions are authorized or or not.
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
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 disputed a charge of {$66.00} Reference XXXX for a travel insurance I never intended to purchase while booking flight on XXXX XXXX XXXX I called XXXX XXXX, they referred me to insurance company I called them immediately and they asked me to dispute with the bank. This is all happened within few minutes of me realizing the charge was made and 10 days before the first flight. American Express failed to perform their fiduciary responsibility and declined my dispute.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. American Express sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XX/XX/2021 regarding not having received bill a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with American Express ( in writing ) on my behalf on XX/XX/2021 a ) American express acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. American Express did not cease efforts to collect on disputed amount a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX 9. American Express did not notify me of their findings a ) American Express circumvented an investigation by having XXXX verify the current address XXXX : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 2. American Express did not investigate reasons for non-receipt of bills a ) acknowledged by American express in XXXX XXXX XXXX in response to CFPB XXXX XXXX 3. American Express continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I used XXXX XXXX to check my consumer report on two separate occasions, I noticed a transaction was placed on my report and shortly after was deleted. this goes against the fair credit reporting act because as it stands, information furnished to any consumer report must be accurate and I understand I was violated and as a result was damaged. the information was deleted showing me XXXX XXXX allowed inaccurate information to be furnished initially. and admitted to their fault by deleting the account.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I tried to make a purchase and was not able to the card declined when there were available funds.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2021, I applied for a XXXX credit card through American Express. The application had a marketing pitch where I could receive XXXX miles if I applied through the link and met a spending threshold. I applied through the link and met my threshold. I waited for a time, then finally reached out to American Express to see where my bonus miles were. I received this response through chat : " There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. My apologies. '' American Express never indicated to me that I was not approved the welcome bonus, but they were happy to approve me for the card and charge me an annual fee. If there was an indication that I wasn't eligible for the welcome bonus, it was written in the fine print and not readily disclosed. If I had seen it, I would not have applied for the card.
Company Response:
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Kabbage emailed a targeted promotion to my email address ( XXXX ) offering a {$300.00} cash bonus when completing the following requirements : 1. Open a new Kabbage business checking and make a deposit 2. Complete a miminum of five qualifying debit purchases 3. Wait up to 8 weeks for bonus to post These requirements were completed in XXXX. After many, many hours waiting on hold with Kabbage, they verbally confirmed the bonus was pending and should have already posted, but they were having " backend technical issues. '' They promised me the {$300.00} bonus would post by the first week of XXXX. Nothing ever happened. Multiple emails to customer service went unanswered. Secure messages from within the account went unanswered. When you call the posted customer service phone number, after waiting on hold for 1-2 hours, the system automatically ends the call. It's the worst, most disorganized mess of a bank. I've read hundreds of similar complaints online. Kabbage eventually made the {$300.00} checking account bonus available to everyone, and I suspect that they were completely unprepared to handle the customer service requests resulting from this bonus offer. I never received the {$300.00} bonus. Kabbage is also withholding {$51.00} of my own deposits. To this day I can not get anybody on the phone to close the account or withdraw my funds.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A