Date Received: 2021-12-08
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, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XXXX XXXX 2021 I formally sent an Affidavit of truth outlining every violation American Express has done towards me. This was notarized and sent via certified mail and I have attached the receipt. I received a generic response from an unknown person from American Express. Attached is my original Affidavit of truth. I explicitly told them to cease and desist phone calls in my affidavit and they did NOT respect that at all, calling me all times of the day and while at work. I would ask if they have seen my affidavit and they would answer no and attempt to collect a debt. Now on XXXX2021, I was served in person for a lawsuit that has been filed since XXXX!! They expect me to take off work to go to a court house for an issue I've been trying to address since XXXX! At this point I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. I am being harassed and extorted from a private company/ agent, American Express XXXX XXXX represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, I am asking to provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and 15 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX, I reached out to AMEX and chatted with a customer Representative to work out a payment plan on my Credit card with I was late 91 days. This happened due to been hospitalized because of XXXX and my XXXX XXXX XXXX because of XXXX. The Customer representative agreed to debit my checking account on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) and I was to pay the remaining balance before XX/XX/XXXX. Today XX/XX/XXXX I submitted the remaining balance and found out that my account was cancelled. I called AMEX and representative " XXXX XXXX '' from the XXXX, XXXX office told me that the prior customer service representative which I chatted on XX/XX/XXXX did not give me the correct information and there was nothing that he can do.
Company Response:
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing XXXX request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX. This information does not relate XXXX any transactions I have made. I did not give anyone authorization or consent XXXX use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. AMEX bal. {$7800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express denied my credit application for their XXXX XXXX XXXX credit card. They mailed me a letter dated XX/XX/2021 stating they can not approve my application at this time due XXXX my XXXX score. According XXXX the EQUAL OPPORTUNITY CREDIT ACT 12 C.F.R 1002.2 ( c ) REGULATION B ADVERSE ACTION- American Express committed adverse action upon me by refusing XXXX grant me credit. American Express has severly discriminated against me according XXXX 12 CFR 1002.4 ( a ), XXXX has inflicted discouragement upon me according XXXX 12 CFR 1002.4 ( b ). American Express has mailed me numerous credit advertising letters with offer codes, XXXX still denied my application. These are also federal violations according XXXX the FCRA. According XXXX 15 USC 1602 ( p ) American Express has committed unauthorized use of my credit card, XXXX I did not receive any benefit. REFERNCE NUMBER : XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: American Express ' response to complaint XXXX states the card number was not necessary to make payments, even though AMEX alleges it was " sent to an outside agency to assist in collection efforts, '' and the information provided by those respective agencies instructed me to pay in a particular fashion. American Express insists I could have paid by phone, online, or through the mail to ensure that payments reached them for processing on-time. American Express has overlooked several factors that are at the very least tone-deaf in the current environment. First mail delivery is still slow, both affecting AMEX receipt of mailed payments, and my receipt of billings statements. Second, AMEX presupposes an underlying condition would not affect an individuals ability to pay by phone or online. That is, those who have experienced XXXX as the result of a XXXX XXXX, tha might prevent a " card member '' from communicating, would still be able to pay by phone. In AMEX 's view XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX couldn't possibly affect someone's ability to contact AMEX to pay on an account by phone. Finally, medical conditions, aka XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, couldn't possibly interfere with an individuals ability to utilize the multiple ways to pay on an alleged statement balance. So here goes. I have a medical condition that is managed by XXXX ( XXXX ) different prescriptions. Those prescriptions have had delays in renewals both on account of supply chain isses as a result of the pandemic, and longer renewal times due to the displacement of staff prescribing those medications during the pandemic. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So American Express can pretend that somehow receiving payments from me in periods over the " last 12 months '' and not during others somehow negates the fact that there may have been times durig which I was not able to communicate and utilize one of those convenient methods to pay : over the phone, by mail, online. American Express can also pretend there are not thousands of individuals being XXXX XXXX XXXX XXXX XXXX XXXX XXXX that can cause sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that interferes with a cardmember 's ability to rXXXX XXXX. American Express can pretend their cardmembers, presumeably based upon " status, '' couldn't possibly get sick or experience illness as the result of exposure to the XXXX XXXX Afterall, the numbers show it's specific segments of the US population that are more prone to experience the more severe symptoms of such infections. Those couldnt possibly include AMEX card members because AMEX is an " elite '' bank that offers charge cards and credit cards for the " better off '' segments of the population -- the ones least likely to be members of one ( 1 ) or more protected classes, and least likely to experience ANY hardship during a plague/pandemic. According to AMEX, It isn't even possible for mail to be disrupted, or delayed, during the continued pandemic. AMEX own policy is " paymnet due upon receipt. '' The fact is, if I dont receive a bill I cant pay it. If I can not access my statements online, I cant pay it. CFPB interpretation of Regulation Z outlines the necessity of periodic statements. Calling and asking for the balance is not a substitute for receipt and inspection of a billing statement. American Express can pretend it isn't trying to pare " cardmembers '' it's analyitics identify as higher risk. AMEX is tone-deaf to the realities facing individuals throughout the world right now -- they dont care. However, American Express ' tone-deaf'ness seems to tread close to targeted discrimination based upon XXXX. Perhaps AMEX should take the time to review the determinaton of DOJ and HHs with respect to disablity and disabiliy discrimination for those who at the very least have XXXX XXXX XXXX. " Guidance on Long COVID as a Disability Under the ADA, Section 504, and Section 1557 '' published by HHS might be a good place to start.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX I made a purchase at XXXX for {$2500.00} and activated the XXXX Feature on my card. On XX/XX/XXXX the purchase was refunded in full by XXXX and a credit of {$2500.00} was posted to my account. On XX/XX/XXXX I requested the refund be applied to my Plan and was told this was completed. Once I received my first statement, it was not canceled out, it was somehow reduced so now my balance is a little over {$900.00} and it wants me to make a {$130.00} payment... I have zero conference in what is going on right now and how the XXXX a credit gets applied but not fully. I've done several chats and calls into customer service to only be given the same run around about how it will be applied next statement... I was told the same thing before my first statement as well.
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
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: Purchased item from XXXX, charged it to AMEXPRESS, item shrunk fell apart asked XXXX for return, authorization given, asked for return label, SUBCONTRACTED SERVICE ON XXXX, BASED IN XXXX, FAILED TO PROVIDE PRINTABLE RETURN LABEL! Provided XXXX krix-kracks, attached to the package and deposited at US POSTAL XXXX into UPS designated XXXX cart!! Received temporary credit which was taken back 45 days later. No longer have the defective product, AMEXPRESS charging me {$37.00} with interest!! XXXX service has been interfering into XXXX business issues and failed to provid proper business instruments. AMEXPRESS MUST PROVIDE CREDIT FOR RETURNED ITEMS WHERE SELLER HAD FAILED TO PRIVED PROPER MEANS FOR RETURN!!
Company Response:
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. . Identity Theft XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft AMEX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A