Date Received: 2021-11-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have two American Express credit card accounts which ending number are XXXX and XXXX. I always pay both accounts on time in the statement balance full amounts to avoid any interest charges by one check with the note " This check is to pay two accounts '' along with 2 payment stubs. In this case, XXXX statements, the account # XXXX had the balance of {$99.00} and the account # XXXX had the balance of {$23.00} {$99.00} + {$23.00} = {$120.00} So, I arranged the payment check in the amount of {$120.00} along with the note " This check is to pay two accounts '' as usual. The issue started when their staff did not apply the {$23.00} payment to the account # XXXX. Even they have issued the {$23.00} refund back to me 4 months later, but they still wanted to rob me by first putting the {$100.00} interest charge onto the account in XXXX and then putting another {$300.00} in XXXX. That's mean {$100.00} + {$300.00} = {$400.00} interest charges out of the just as little statement balance as {$23.00} of which later has been proven that because it was their fault of applying the {$23.00} to the wrong account.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: To Whom it may concern : This letter is concerning my Morgan Stanley XXXX XXXXXXXX XXXX XXXX XXXX and the American Express AmEx XXXX XXXX card engagement bonus - which is a reimbursement for the AmEx XXXX XXXX card membership fee. On XX/XX/XXXX I funded my XXXX XXXXXXXX XXXX account with a {$5000.00} deposit to meet the the Access Investing qualification criteria for receiving the AmEx XXXX engagement bonus. Shortly after on XX/XX/XXXX I funded my XXXX XXXX XXXX account with a {$25000.00} deposit to meet the XXXX XXXX XXXX qualification criteria for receiving the AmEx XXXX engagement bonus of {$550.00}. On XX/XX/XXXX I applied for and was approved for the XXXX AmEx XXXX card account. On XX/XX/XXXX I was charged a {$690.00} Membership Fee by American Express for the XXXX XXXX American Express card. According to the following clause in the disclosure statement, I should have received the reimbursement for the {$690.00} XXXX AmEx XXXX card fee in XXXX, XXXX. " If you meet the Fee Avoidance Criteria prior to the expiration of the Grace Period, you will receive the Annual Engagement Bonus the following month. '' As per the XXXX ACCOUNT DISCLOSURE STATEMENT ( XX/XX/XXXX ) XXXX, I met all of the qualification criteria for the AmEx XXXX XXXX card engagement bonus on XX/XX/XXXX so I proceeded to open a XXXX AmEx XXXX card on XX/XX/XXXX. On the date of my application and credit pull, the XXXX XXXX website, terms & conditions, and disclosure statements clearly indicated I would be receiving the engagement bonus the following month. However, I never received the reimbursement from XXXX XXXX for the {$690.00} XXXX American Express XXXX card membership fee. I have directly contacted Morgan Stanley several times by phone to discuss and escalate this matter to get to a resolution. In XXXX, I was assured that I would be receiving the engagement bonus and that I met all qualification criteria. I continued to follow-up with Morgan Stanley in XXXX and XXXX regarding the engagement bonus, however, representatives indicated that they could not help me with obtaining the credit due to a change in the terms and conditions for the engagement bonus. The Morgan Stanley representative informed me that Morgan Stanley updated the XXXX account agreement and disclosure effective XX/XX/XXXX, which changed the reimbursement for the XXXX American Express XXXX engagement bonus/reimbursement to an annual bonus after 12 months. The effective date of this disclosure appears to be retroactive and I was not informed or notified of the change in terms and conditions until XXXX of XXXX. It appears deceptive that Morgan Stanley would retroactively implement and change the terms & conditions and disclosures retroactively without proper notice. I was not notified of this change in terms & conditions and disclosure until XXXX of XXXX. This notification was well after I met all of the qualification criteria for XXXX XXXX XXXX ( met criteria XX/XX/XXXX ), XXXX XXXX ( met criteria XX/XX/XXXX ) and XXXX American Express ( met criteria XX/XX/XXXX by opening account an account ). All qualification criteria were met under the original terms and conditions well before the effective date of the new disclosure dated XX/XX/XXXX. I was not notified of these changes until well after I met all of the qualification criteria. These business practices are unethical, deceptive, unfair and can be considered to be a bait and switch by Morgan Stanley. I have escalated my concerns to several Morgan Stanley members via phone, but I have yet to receive the reimbursement for the {$690.00} XXXX American Express XXXX card membership fee which I qualified for under the terms and conditions I signed up for. I was informed that management is denying all requests for consumers like myself who had met all of the qualification criteria and who had their credit history ( hard credit inquiry ) pulled by American Express to open the XXXX American Express XXXX card. I am requesting reimbursement in full of the {$690.00} American Express XXXX card membership fee.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am XXXX XXXX and I'm submitting this complaint my self and there is no third party involved. I XXXX XXXX consumer, natural person and original creditor of an open end credit plan, was denied my right of credit by American Express. I was notified of the transgression of my rights specifically 15 USC 1601- The Truth in Lending ACT by American Express on XX/XX/2021 via U.S Mail. In order to evaluate my credit worthiness American Express obtained information from a third party who had no permissible purpose to furnish a consumer report. Pursuant to 15 USC 1681b ( 2 ) a consumer reporting agency must first obtain written instructions from the consumer to whom the information relates in order to furnish a consumer report. As a natural person possessing an open-end credit plan, I was harmed by American Express in the form of an adverse action taken against me by denying my rights as a consumer to benefit from a consumer credit transaction. Pursuant to 15 USC 1681m ( b ) ( 2 ) ( c ) ( ii ) information used to take an adverse action does not include information in a consumer report. It would be a violation against 15 USC 1691 to discriminate against me simply because I exercised my rights as a consumer under Title 15 USC chapter 41. The civil damages for such an action pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to ( {$5000.00} ). The civil damages for any violation of 15 USC 1691 are up to ( {$10000.00} ) American Express is now civilly liable to compensate me for the damages.
Company Response:
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: American Express Serve card closed account XXXX XX/XX/20 Ive tried numerous of time from that to this date to receive my balance in check by mail due to them closing account and they refuse to ongoing problem for at least a year now Ive sent verified information and still nothing
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a AMEX XXXX card which had a small balance of around {$4000.00}. During some software update pushed to me by AMEX all of my payment notifications were turned off. I have never turned any of my payment notifications off in prior 4-5 years, ever. I explained what happened to AMEX and at first they attempted to say it was I who turned off the notifications. I proved that I use biometrics to login so only I or they could have changed it. I also said that I believe one of their software updates, may have been the culprit but either way I was not responsible for any changes to my notifications and therefore should not be charged any fees or penalized. I believe being caught they then magically removed the late penalties. They then froze the rest of my accounts that are either XXXX or current out of vindictiveness. I spent 14 hours of text messaging with numerous folks and finally got a person who agreed to upon full Platinum card payment balance all my accounts would be restored to their original status. Amex agreed. Also to remove any current or future penalties, credit report issues ( which they threatened me via email. ) Amex agreed. Upon payment the other unrelated accounts were restored, the platinum account still had a late payment notice although a XXXX balance. I text to them please restore my account per our agreement last night it still has a late payment notice although it is $ {$0.00}. Then he asks a curious question, " what do your future spending plans for this? '' I said, '' I don't know and I don't want to deal with this now I just want the account restored to its original state per our agreement last night. '' The the amex messaging app died again ( you have to constantly refresh Amex 's messaging app or your will miss parts of your message stream ) The only part I initially saw was " Great everything has been fully restored, your message should go away in about 1-2 days '' The part I didn't see is where doing the messaging app refresh the guy arbitrarily sets my limit to XXXX although I told him no and that that wasn't part of our agreement. Luckily, a few minutes later I went back through the full messages where he changed it right after I told him no. I go back to the messaging app and tell them that that guy arbitrarily set an amount from his head even after I told him no and that that was not a part of our agreement. They've been paid in full and I want my credit restored to it's original form as per our agreement. Unbeknownst to them I have documented all of this, and can prove every point, including now that AMEX does make unilateral decisions about peoples credit and account without their permission or in this case when they are told no.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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: Hello, On XX/XX/XXXX, I discovered a bee charge of {$10000.00} on my AMEX card. This amount is the same than my balance due on XX/XX/XXXX. I double check my bank statements for XXXX. I confirmed to them that I paid this amount on XXXX. So there is no reason to make me pay twice my balance. I contacted them regarding this situation and they told me that it wasnt a charge but de misposted payment adjustment. They told me it was inadvertently made on my account. So they recognize that they made a mistake but they dont want to resolve it. What kind of customer service can justify that from nowhere you see your balance getting increase by XXXX without any explanations The problem is that right now is in my balance due for the month of XXXX ( XX/XX/XXXX ). So I dont understand why I have to pay twice for something that I sent them a proof that I paid already. I attached my bank statement where you can see that I have a proof that I made the payement on XXXX. The dispute case : XXXX.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Hilton honors credit card that is from American Express on XX/XX/2021. The website was showing the offer for this card. Welcome Bonus XXXX Hilton points if you spend {$1000.00} in the first 3 months of opening this card, if you spend {$5000.00} in the first 6 months you get an additional XXXX Hilton points. So I signed up for this card and spent {$1000.00} in the first 3 months and got XXXX points. When I spent {$5000.00} in the first 6 months I didn't get any extra points, so I called up American Express and asked them where my XXXX points are, they tell me we didn't promise you only XXXX points. So I am reaching out to the Consumer Finance office to help me get the XXXX points that I was promised when I signed up on the website.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX has not provided me with sufficient information to verify that I am obligated to pay this alleged debt. Nothing provided in their original response is proof of validation under 15 USC 1692g. See attached
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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 am a consumer XXXX XXXX XXXX with Power Of Attorney over my Sole proprietorship dba XXXX XXXX XXXX I give American Express full consent to respond to this complaint I filed a dispute against American Express they failed to send documentary evidence pursuant to federal law that I asked for instead they have sent me basic statements of each month from open to close they are missing Account Ledgers showing where this money and credit started and came from. documentary evidence pursuant to federal law includes all public and private correspondence, documents, papers, books of account, account ledgers, financial and corporate. As stated in my C & D/Billing error notice " Notice, it is a fact, affiant is aware, American Express as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by American Express will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for American Express for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to provide required documentary evidence as requested to clarify and resolve the previously addressed billing error.
Company Response:
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A