Date Received: 2021-11-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2021 I received an email from a 3rd party application saying : Someone has checked your credit report. A new inquiry from AMERICAN EXPRESS has shown up on your XXXX credit report. Lenders, employers, or landlords will often check your credit before they approve an application youve made. I have NO knowledge of this account and I DO NOT approved this, since Im working to improve my credit score and get a higher score and this made my score went down.
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My debit account has been locked on XXXX contacted bluebird XXXX customer service more than once and i am told i am permanently suspended. i have no access to my XXXX and i am told my account is under review by another department and there is nothing i can do to access my funds and no immediate contact to the other department. this is obscene, how can a company with the visa logo lock an account with funds available in it and tell you there is no current way to access your own money.
Company Response:
State: TX
Zip: 77523
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: American Express has continued to harass me, they check stalk my XXXX XXXX account, how do I know cause it says checked by Amex, they wrongfully charged my account a fee XXXXmonths ago or so and now XXXXmonths later they told me it was an error and issued me {$4.00}, I told American Express customer service to stop sending me letters but they have refused, Amex did not help me as a customer to fight fraudulent charges on my account, that have always been messing with my money, I believe Amex is the worst company to bank with.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I request a {$30000.00} wire transfer from my High Yield American Express Savings account into my XXXX XXXX Brokerage account and the money did not show up. When I call American Express they tell me to call XXXX XXXX with the XXXX XXXXracking number. When I call XXXX XXXX with the tracking number they say they can not find it. I requested American Express put the {$30000.00} back into my account to avoid financial hardship on me but they refused.
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/2021 i found out that someone cloned my debit card and withdrawal on XX/XX/2021 {$700.00} from my checking account using ATM in 3 separate transaction while i was home all day on that day. they used my pin number as well which i memorize never wrote down anywhere. bluebird by American Express denied my claim twice even after submitting police report and fraud deceleration form. they stating there is no error found. i need help to get my stolen money back and stop those criminals from doing that to another consumer.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I received 2 notices that I applied for credit cards and I did not. I did get a response from XXXX XXXX and not so much XXXX XXXX. Even I know I can't apply for credit cards because my credit is bad at the moment
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
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 booked a hotel reservation through American Express for XXXX XXXX XXXX. Unfortunately a family member has fallen ill and wont be able to make it so I went through the Amex website to cancel it. I didn't realize when I booked the hotel, that it was non-refundable. However when I went through the website to cancel it, it stated I would receive a refund. Only after I submitted the cancellation was I shown I would not receive a refund ( I have screenshots confirming this ). When I went back through the booking confirmation email, it states that *this hotel is non-refundable and can not be cancelled* ( I have screenshots confirming this as well ). So why was i able to cancel this in the first place? Why would i cancel a hotel reservation that i already paid for in exchange for nothing? When i called Amex travel, the agents were polite, but none of them were consistent in their answer, one agent reinstated my hotel, but then another one cancelled it when submitting a case that was just refuted this morning. So now i do not know where i stand, and honestly, i am over talking about it with travel agents.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for an American Express Hilton Honors Surpass card about XXXX months ago with the welcome offer of getting XXXX points after spending XXXX dollars within the first three months. But I realized that I still do not have the welcome offer points after I spent more than XXXX dollars within the first three months so I chatted with their customer services on XX/XX/2021, through AE mobile app. They declared that my welcome offer was denied due to a previous relationship with XXXX and asked me to call XXXX to review my profile. But I have never applied for a XXXX XXXX credit card and I did not understand it. And I called customer services on the same day, they promised to open an investigation for me regarding the welcome offer and email me the result within 10 days. Unfortunately, I did not get an email after more than 10 days. So I called them and they did not give me any specific reason why I was rejected since I do not have any XXXX XXXX card, the reason they claimed why I was rejected the first time. They just kept saying AE has the right to reject the welcome offer without notifying me. I would consider this as a false welcome offer promotion for our customers.
Company Response:
State: CA
Zip: 917XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In AMEX response to CFPB complaint XXXX, they acknowledge ther has been trouble receiving my statments : " We send statements every month for accounts with debit activity or an unpaid balance in the billing period. On XX/XX/XXXX, while speaking with XXXX XXXX XXXX, you advised them that you were not receiving statements. XXXX verified your address and confirmed that we were sending your billing statements in accordance with all applicable laws and regulations. You then advised XXXX that it could be an issue with the Post Office because you were receiving your mail in bulk. We can confirm that we are sending your statements to the address listed at the top of this letter. If you wish to update your address please contact us at XXXX '' Now, the typical response to a customer is : " Well you can still access your statements online. '' However, the XXXX XXXX XXXX instructions on their alleged " collection letter '' provides a url to pay my AMEX account through AMEX. It Doesnt work. The site requires I know my full card number with code and expiration date. As AMEX cancelled the account, I no longer have the card. According to AMEX my account was cancelled due to " returned payments. '' It was a misapplication of an " early payment I made that led to the account closure. My payment status was " so bad, '' that AMEX has decided to offer me reinstatment after the balance on the card is paid in-full. " We really want your business it's just that ... '' Quite frankly there is no " just. '' Consumers should not have to play these games. What AMEX is doing is finding reasons to close out accounts to reduce exposure during riskier finnacial times -- they learned this practice from the finnacial crisis of XXXX. They are then attempting to lure those same " members '' back by offering reinstatement at a lower tier under the supposition that a memer would want to continue membership because the brand has been a status symbol in decades prior. It should be noted this is how they're treating current and former card members during the pandemic. In this particular case this is how they are treating me after XXXX XXXX XXXX in XXXX XXXX and struggling with XXXX thru the beginning of XXXX. This is how they are treating someone that then had a breakthrough XXXX in XX/XX/XXXX. It's XXXX. The bottom line is I need a copy of bills in order to pay my bills. If I can neither access my bills online, and AMEX acknowledges the possibility that I am not receiving statements, then I have not been provided with sufficient notice for any allged bills. Effectuation of notice is a process whereby one party serves notice to the other party and must be carried through delivery. Having a correct billing address on-file and allegedly mailing the bills to the correct address does not mean notice was provided. As the balance and charges from one statement period to another fluctuates, I need to have a bill in orde to know what amount just be paid, and to ensure the periodic statements dates fall in-line with the minimum duration as required under CFPB interpretation of Regulation Z. I can not confirm any of that and have not been able to confirm any of that for the past six ( 6 ) months and my understanding with XXXX was that I was being billed monthly per usual. The transfer to another agency to assist in " collection efforts, '' contradicts the process authorized by AMEX through XXXX. Reistatement upon payment of the alleged outsanding balance of around XXXX sounds like an attempt at a bait-and-switch tactic. " We valued your business and so we have given you this offer at reinstament. '' I don't believe AMEX -- nor should the CFPB. There's a caluse in the reinstatement offer specifically stating reinstatement is dependent on whether AMEX " belives '' the extension of credit is sustainable. It's vague, lacks expanation of the underwriting process for reinstatement of a card. After the mishaps in XXXX with application of payments by AMEX, and lost payments that were WIRED to AMEX with the correct instructions, which AMEX acknowledges, what AMEX is missing is I no longer value them. Even from a pretentious standpoint card membership is NOT worth the headaches I've experienecd with AMEX and the quality of service, even at the Platinum level was lacking. The allure and convenience of holding an AMEX card in wallet and/or purse is over. The allure of touting it to be the card of the rich and famous like XXXX 'm not the only one saying this. I know multimillionaires with sixty-five ( XXXX ) years plus of card membership that say the same thing. DOING BUSINESS WITH AMEX IN XXXX THRU PRESENT IS NOT WORTH THE HASSLE.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A law firm called XXXX XXXX XXXX filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to American Express in the amount of {$43000.00}. They mailed me over 400 pages of charges made by someone on a credit card obtained in XXXX by a person who has part of the name similar to mine. I have contacted the law firm and American Express several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. Today, XX/XX/XXXX, I called American Express, XXXX XXXX XXXX XXXX and they say it takes up to XXXX days to get back to me. Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. In the meantime I have XXXX days left to respond to the legal claim. I am a citizen of the United States, I have lived in this country for 4XXXX years and my resume is impeccable. I have never defaulted on a debt, my credit score is over 800. I have never had the slightest legal problem in my life. This unfair situation has my wife and I under maximum stress. I am XXXX years old. I am a XXXX with an extensive background and I can prove all the acts of my life have been correct. I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these two companies can give me an answer immediately.
Company Response:
State: FL
Zip: 34142
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A