Date Received: 2021-11-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Recived a letter that claimed I owed credit card debt of a enormous amount that I do not. Tried to call and ask questions to be told I had to give them my information wich I refuse to do over the phone. I belive it is a fake company or scammer. A phone number provided is XXXX XXXX XXXX XXXX says XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX American Express XXXX XXXX XXXX. They are offering a settlement.
Company Response:
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Problem with Credit Card Charge. Vendor use was XXXX XXXX XXXX, who then dispatch XXXX XXXX XXXX ( XXXX ), who in term charge my credit card {$85.00}. I dispute the Charge because the initiate was to XXXX XXXX XXXX, that who I pay a monthly fee to protect my home. Shortly afterward, it was XXXX XXXX XXXX XXXX has a class-action lawsuit pending for fraudulent repairs- no repairs are NEVER DONE- Instead the repair is denied, and the Vendor charge credit card. ALL part the class action Attorney General lawsuit. See Attach. My Bluebird card end was close as I INCORRECTLY ACCUSED OF FILING A FRAUD DISPUTE. When actually Firms that facilitate fraudespecially against the elderlyneed to pay a price. XXXX firm may operate in the background, but theyre very much in FTC sights. I m filing a complaint as it is reason to believe that the named ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Phone : ( XXXX ) XXXX XXXX are violating the law and it should be noted to the Commission that these proceeding ARE NOT in the public interest, as they process KNOWN fraudulent charges given Attorney General fraudulent lawsuit, as part of a larger fraud scam.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: 1. AMEX Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, as well as 60 days late in XXXX XXXX, XX/XX/XXXX, as wll as 90 days late in XX/XX/XXXX. I immediately disputed this information with AMEX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the XXXX. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXXCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
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: Complaint summary : On XXXX XXXX, I paid in FULL the amount of {$530.00} for per day care services for my pet dog. Start date : XXXX XXXX End date or good through XXXX year. Issue : On XX/XX/21, XXXX XXXX ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. MY Actions taken in an attempt for resolution : XXXX : Called AMEX and they refused both to initiate a Dispute/Fraud claim or to credit to the account as they claim this case falls under subscription services but the argument here remains as outlined below- services PAID IN FULL but NOT rendered. Supporting evidence attached/included : XXXX call to Amex XXXX Amex Feedback request to me XXXX Merchant email to me notifying clients of Business Closure ( merchant refused to answer phones ) XXXX : Merchant notice of business paused ; advising clients that they were paused but would reopen. Note : but the merchant did NOT reopen, and instead, notified their clients of their permanent closure XXXX XXXXays later on XXXX XXXX : Merchant notice of Paused Business from Merchant Website Applicable regulations : XXXX The merchant knowingly engaged their customers such as myself in Unfair and Deceptive Acts and practices XXXX XXXX ) for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with XXXX XXXX for billable dispute. Desired resolution : Reopen this CFPB Complaint ; Original CFPB Case : # XXXX Reforward this case to AMEX XXXX XXXX AMEX XXXX XXXX XXXX XXXX Pull/listen to the call between myself and your frontline Customer Service Agent dated XXXX XXXX XXXX This is an Amex credit card therefore I am not protected by traditional XXXX XXXX XXXX guidelines so please kindly peruse this clearly outlined case in its entirety and champion a win on my behalf with the below resolution. Issue Full refund back to my credit card totaling {$530.00}, pursuant to the XXXX above. Next steps : In filing this Federal complaint with your CFPB portal, I have taken similar action with the XXXX XXXX XXXX XXXX XXXX XXXX, the Nevada Office of the Attorney General, and am prepared to share this story of consumer fraud/scam with the Local channel XXXX Action news to shed light and awareness to other innocent consumers.
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a problem with American Express and their reward redemption procedures, and I'm sure many of their other cardholders do, too. Last month I had an Amex Bill of {$100.00}, with {$110.00} in Amex rewards. I figure I'd call them and have the {$100.00} deducted from my reward account, which would spare me from having to write a check and put a stamp on an envelope. I've done this several times with XXXX card with no problem or hassle. But Amex said I had to make a minimum payment of {$40.00}, and they would credit {$65.00} from my account. Why? I asked. That's what you agreed to when you took out the credit card ( I'm sure it's in the fine print ). XXXX lets me take the full balance out of my rewards account, I said. " We're not XXXX '', the service rep said, almost with a sneer. I concluded the conversation by saying, 'I 'm going to contact my XXXX ' which was met with another almost sneering, 'you 're not the first person to say this '. So that's what you should look into : requiring credit card companies to let customers with more than enough rewards in their account to use them to pay off outstanding bills. I can very easily write a check for XXXX dollars. But there may be people with pandemic-related financial difficulties who might be hurt by this AmEx policy, which is why you should work to change this.
Company Response:
State: NY
Zip: 10543
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: The cards I purchased had 150.00 and 50.00 and I already sent in proof of the amount on the cards and the receipts and didn't register the card and the one card has a negative balance and don't have any idea why
Company Response:
State: PA
Zip: 17042
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX, American Express decided to close my credit card giving a phone call to notify me about the action. The same day or couple of days after ( they can verify in their system ) I paid off my balance. I was living in XXXX back in that year. After a month or so, collections called saying I had a pending balance of 6.00 that needed to be paid asap. That was, if I remember correctly, the interest accrued for the previous month. I paid the balance in full. Since then, those 6.00 have Ben hitting my credit as pending balance. Every time I have tried to open a new credit card or even buying a house, that bad report pops up. When reaching out to customer service ( 5 times already ) they said there was a mistake and that they can see the balance has been paid and that the pending balance notice should be cleared in the next 60 days. Then again is showing, same explanation- at this point I cant remember my credit card number so it takes forever to locate the account - then they say yes, it will get fix etc, and then they transfer the phone call to another 3 agents just to verify the information is correct and that the case has been solved. At this point Im reaching 1.5 hours over the phone with American Express and a call center with XXXX XXXX XXXX XXXX XXXX XXXX ) is contacted telling us they cant find any of the information Ive been discussing with previous agents. Its outrageous. Its XXXX already and when buying my new house, Im still dealing with this. The only step to follow is a law suit I guess, just because no one could fix a balance of 6.00 that got paid already, but the system for some reason is not clearing it. I have offered several times to repay the famous balance, but they keep telling me it got paid already.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a dispute in regards to incorrect items on my credit reports, it has been well over 30 days and i have not received any investigation results.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
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: On XX/XX/2021, a {$75.00} booking fee, totally more than half of my XXXX night 's room reservation, was billed to my AMEX card without my knowledge or agreement. When I found it, I requested that the rental agent remove it, but she refused. She did not deny that she had billed my card without informing me or getting my authorization. She replied simply that all rental agents charge fees. I disputed this charge with American Express, but they sided with the merchant and denied my dispute, without explanation. I have requested an explanation from AMEX but they have not replied.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A