Date Received: 2021-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 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. I want an answer immediately.
Company Response:
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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 disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with American Express that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to Covid 19 including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with American Express and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to Covid 19 and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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: Contacted AMX on the XXXX of XXXX after arriving at XXXX to find out that they canceled the hotel reservation. Had made the reservation hours earlier and notified them that we would be arriving around or sometime after XXXX. We were assured that the front desk would be notified and not to worry. We placed another call to reservation to let them know we were arriving shortly. This call was sometime shortly after XXXX and around XXXX. However, reservation informed us they did not have a room. I went directly to the hotel clerk and spoke with the clerk at the front desk who told me that it was reservation who canceled the room because it was after XXXX. I told the clerk that we had called twice to notify them that we anticipated an arrival time of around XXXX. He sent me across the street to a motel. The hotel clerk at the motel did not seem to know anything about XXXX covering the charge for one of their rooms. The clerk at the motel wanted payment. I called AMX while I was at this motel and spoke with a gentleman on the phone to report that XXXX was refusing to refund me for the room that they opted to cancel. I explained I did not want to be charged as I felt strongly that this was a scam. The hotel clerk admitted knowing that we would be arriving late into the morning hours. I was charged {$170.00}. This motel was not a place where I felt we would be safe and I was not about to get charged again and their rooms advertised for as low as {$50.00} to {$90.00}. We slept in the vehicle at a rest stop and drove on to VA where we checked in at the XXXX XXXX in XXXX. The clerks at XXXX informed me that the way the system works in the hotel industry for reservations is that when someone calls to notify the hotel that they will be arriving late that the room remains reserved until the parties arrive. They informed me that the clerk had the option to keep the reservation and instead opted to give the room away.
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Several weeks ago I added an AMEX merchant offer to my American Express Gold Card whereby I could purchase a new XXXX XXXX XXXX membership for {$45.00} and receive a {$25.00} statement credit. On XX/XX/XXXX I did so. Unlikely usually with AMEX offers, I did not receive a confirmation email of the offer being used/triggering and in the few weeks since have not received an indication I would be receiving said {$25.00} statement credit back. While AMEX 's terms say they can take quite some time to provide the credit nonetheless usually AMEX is quick with such credit provision. I online chatted with an AMEX representative to clarify on why it was taking so long to receive my credit, or any indication that it was eligible, and the AMEX representative said that the XXXX XXXX XXXX purchase was not eligible. However, based on the terms of the purchase, I followed the AMEX offer exactly down to the letter. I have not been a XXXX XXXX XXXX member in anytime in recent memory, the purchase was for a regular new club membership and not a plus membership, the purchase was online through XXXX, the purchase was not combined with any other offers, and it was for {$45.00}. There is no legal reason why I am not deserving of/entitled to the {$25.00} credit, as I very likely would have not purchased such a {$45.00} membership without AMEX inducing me on the promise of a {$25.00} credit and I followed the offer terms exactly. I am concerned that AMEX has seemingly improperly coded the purchase, making it so many others may also not be receiving their credit ( if anyone at all ), and their inability to look at the case beyond the coding such as looking at receipts or appeal to a manager/supervisor. Either AMEX has made mistakes with their coding for this offer or is engaging in unfair/deceptive/abusive acts or practices by inducing people to purchase a new XXXX XXXX XXXX membership and not giving them their credit that they are entitled to receive based upon following the terms and conditions exactly.
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In the month of XX/XX/2021 I applied for an American Express card, which included my social security card, also known as my open end credit card per 15 USC 1602 ( l ). American Express denied my application but was paid by my open end credit card. On XX/XX/2021 I forwarded a letter, which detailed the above, and also included the remedies sought by this writer. To date " American Express '' has not responded, the letter also explained that they " American Express '' are civilly and criminally liable per 15 USC 1611 and 145 USC 1692 ( k ). My desire is to resolve this outside of Federal Court. The Adverse letter that received from them is not in compliance with Federal guidelines per 15 USC 1681 ( m ). If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Due to extensive customer service issues I decided to cancel my American Express credit card. I called the customer service line on XX/XX/2021 and received assurances that the card would be cancelled. As of XX/XX/2021, not only has the account not been cancelled, but a new account has been opened, and the card associated with the account has been sent to an invalid address.
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. AMEX is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A