Date Received: 2021-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to a financial XXXXy in late XXXX, I entered into a monthly payment agreement with American Express for 8 months. American Express agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial XXXX. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, American Express recorded this period as late payments on my account, even though I was paying the minimum amount Amex and myself agreed to. This is inaccurately reported on my XXXX, XXXX, and XXXX credit scores. I have disputed this item several times, and American Express does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my XXXX, with an unreasonable interest on our home mortgage.
Company Response:
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
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: I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX American Express filed suit against on credit card balances arising from XXXX American Express card accounts ending in XXXX and XXXX. XXXX. American Express was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by XXXX. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability for.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I went into an agreement with this company to settle a debt that was charged off. I was told after I paid the settled amount, my balance would be {$0.00} and I would no longer owe the company. The company instead reported a different amount to the credit bureaus and now requesting the credit bureaus get customer authorization to discuss the account. When I call Amex I get transferred all around and never receive any help.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
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: I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the AMEX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I reached out to American Express so I could exercise my consumer rights to validate the alleged debt and they are denying me my rights to do so. The company ignored my request to receive all documentary evidence and told me the account status does not meet the criteria for us to fulfill a debt validation request which violates FEDERAL LAW. American Express is blatantly violating my consumer rights by not allowing me to validate the alleged debt.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: To whom it may concern, I am an American Express credit cards customer, and my membership rewards account has been disabled to use. When I try to transfer points to airlines ( for a holiday ticket ) it failed and shows This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I have contacted Amex customer service and got replied with the following info : XXXX. No specific reason for this review was provided. XXXX. No specific finishing time was provided, only to be told that the review process will be XXXX weeks from the day I get the most recent welcome bonus XXXX XXXX XXXX XXXX. I can not use my rewards points until they finish the review process. I think their reply and solution are unreasonable and irresponsible. I applied for American Express XXXX XXXX XXXX XXXX on XX/XX/XXXX and got approved the same day. In the package of my physical card, the term says I will get a XXXX membership reward as a welcome bonus if I spend {$6000.00} in the first XXXX months ( which is from XX/XX/XXXX to XX/XX/XXXX, currently still within the time period ). I have attached my transaction history and it can clearly show how much I spend from the day I opened the account to now, which exceeds {$6000.00}. And I believe none of my transactions is violating American Express terms. According to my membership rewards history, XXXX points were added to my account on XX/XX/XXXX, which I DID NOT meet the minimum spending yet at that time. American Express MISTAKENLY issued the welcome bonus points to my account at that time. My transaction history shows I AM eligible for the XXXX welcome bonus, just American Express issued it to me at the WRONG time point. Im not sure if this is the reason that my account gets reviewed, but I believe this is totally not my fault, and I shouldnt have been losing my right to use my legitimate points due to American Expresss mistake. Besides, my questions and doubts for American Express are as follow : XXXX. I havent received any kind of notification ( email or paper mail ) about the review of my membership reward account. My card is not disabled and can be used without any problem. As a customer, I believed I have the right to know whether my account is available to use or not, and I should be notified if theres any problem happen. XXXX. According to the customer services reply, the review process began at the time I received the bonus, which is XX/XX/XXXX, and will last XXXX weeks. Today is XX/XX/XXXX, which is XXXX weeks from XX/XX/XXXX, far beyond XXXX weeks, and my account is still in review. I wonder how long it will actually take for the review process. XXXX. Even if theres some problem you need to review for the new bonus points ( which I believe I dont have any ), my existing points should not be affected to use. You can just put a pending status on the points with problem, instead of unable my whole account and dont let me use my past legitimate points. I have been an American Express customer since XXXX, and I am really disappointed with this problem.
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit was applied for several different times at different banks. Credit was not given by banks but inquires are now on my credit report preventing me from actually acquiring real credit
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Good morning. I have an American Express XXXX card since 2000. This past month, American Express closed my account without any proper notification causing my credit score to drop by 20-50 points. I found this out that my card had been cancelled, when I noticed my card had expired and I had not received a new card and I called up American Express, I was informed my only options were to apply for a new credit card. this would in turn have a negative impact on my credit score. Thank you
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I contacted American Express for a travel credit that I had not received for my Platinum Credit Card. American Express would not honor the credit until I finally called them on the phone. While I was dealing with them, they offered me a retention bonus offer of XXXX rewards points If I spent XXXX dollars within 3 months of accepting the offer. I advised the representative that the offer was fine, but I still wanted my travel credit. This was before they had credited me for the XXXX dollars. I met the spending requirement, and reached out to American Express on XX/XX/2021 to confirm when I would receive the bonus points. The rep advised me that " I did not accept the offer ''. I advised him that that was untrue. I filed a dispute which was XXXX. On XX/XX/2021, I reached out to check on the offer, I was told that it would take 7-10 business days for a resolution. Today, XX/XX/2021, the tenth business day, I once again reached out to AMEX. After being transferred several times, I was told " The Dispute was automatically closed, due to the customer declining the offers '' I was never notified, and was never offered an explanation. This entire transaction is on my chat, and is saved on the Amex APP. Amex uses bait and switch tactics to lure customers into thinking they are being taken care of for poor service. I met the spending requirement, and continue to be led on. I would like to receive the XXXX rewards points that I deserve. I asked American Express to provide a pdf of the conversation, they were unable to due to " Privacy Reasons ''. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I had lost my bluebird American Express card I called the car company because I noticed transactions had been going on that I did not approve of so they sent me a dispute paper to fill out I did that two days later they sent me a email saying that I was basically lying in the transactions was approved and for that reason theyre permanently closing my account I had {$590.00} in my account I can not access my money I cannotI can not talk to a customer service representative they gave me a number that does not work every time I call it it says my account is permanently suspended and the phone hangs up I just want my money out of that account And on XX/XX/XXXX XXXX I got an email saying that my {$590.00} was transferred out of my savings into my main account that is permanently closed and this was done by a bluebird customer service representative I did not approve of that I also tried to call the number on the email it did not work it tells me that my account is permanently suspended and I can not call the for service Instead write them a letter and they gave me a po box that is very unprofessional and Im thinking Ill have to take legal action I had received the deposit from Social Security for {$600.00} thats what they took I put it in the savings which is called a set aside account
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A