Date Received: 2021-11-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for American Express credit card on XX/XX/21 and got approved for the sum of {$10000.00}. I have been using my card and paying my monthly payment accordingly without missing any payments. However, I just received an email stating my credit limit have been reduced to half of the initial credit limit on my credit limit. This totally un acceptable, since I was never behind on my credit card payment. I received an email that my credit limit is been reduced without any warning or anything saying such when I signed contract with them. I believe this have been racial profiling against me and my financial capabilities. I demand an apology and my credit limit to be restored to the stated approved credit limit. I believe this is miss used of power from " America Express '' and nobody should go through this discrimination ever!
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for an American Express XXXX card in XXXX of 2021. I was approved a short time later and in that same month, received my card. While logging into the application, a subtitle on adding authorized users appeared and how to add authorized users, the value of doing so, and that there were no limits on how many authorized users that you could add. This intrigued me and I begin to add authorized users, all people of my same ethnicity, XXXX. I began adding authorized users, once added, the screen would shift to a confirmation page in which I would get the following message, Thank you! The following Additional Cards are expected to arrive at your primary billing address by ( date inserted by confirmation page, always different ). If all your additional cards have not been received within XXXX weeks, please call XXXX for assistance. It would also list the card type ( XXXX or XXXX, in my case ) and who the card is for. After I added around XXXX authorized users, I would notice that sometimes that I would not get an immediate decision and that I would need to call in and verify my identity and then confirm that I was trying to add the person in question, in which I did. This took a turn for the worst once I called in to verify that I was trying to add another authorized user. In XXXX of 2021, I called in to verify my identity, as was the process occasionally for adding authorized users when an immediate decision was not available. Once I spoke with the customer service representative, she confirmed my identity, which is normal. She then proceeds to confirm the person that I was trying to add, a traditional XXXX name. She then proceeded to say that I have a lot of authorized users and began to ask to follow up questions like, wow youve added a lot of people in a short time and that you do know that this card doesnt have a limit. She then began to tell me that she is recommending that my account go under investigation, even though I had paid every balance in full each month and that there was no other reason or suspicious spending activity. On XX/XX/2021, I was contacted via email and phone call to submit form XXXX and to inform me that my account was under financial review, during the phone call I asked what could happened during the review process and I informed her that I never had missed a payment and that I pay each balance in full each month. The customer service representative told me that there were different ramification and stated that often they would set a credit limit. After the conversation, I returned the completed form the same day. On XX/XX/2021, I was notified via email and voicemail that my account had been closed but they did not provide the reasoning nor information to provide an appeal. It is my belief that my account was closed due to discrimination of race because I added too many XXXX people as authorized users. The effects of this card closure is detrimental to credit score, my XXXX XXXX, and a XXXX for my financial freedom.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company inaccurately reported the account as being thirty days late on payment to XXXX, which reduced my score by XXXX points.
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: It seems that American express has difficult time getting new customers or retaining old customers that's why they are making it really complex credit card closing terms and conditions. I had a Blue cash prefferred card opened during XX/XX/XXXX. Today when i called to cancel it, I spoke to XXXX ( XXXX XX/XX/XXXX at XXXX XXXX central time ) who told me that if i cancel it before 12 months, I will be asked to return back {$300.00} that American express gave me as part of statement credit. I told that i earned that NOT American express just gave it to me. She told me that it was mentioned in the card member agreement. When i asked her to send it to me by email, she said that it will sent by paper mail. When i requested to make a note in her file and cancel my card on XXXX XXXX XXXX she said that she can't schedule it and i need to call again.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I'd like to request CFPB ' assistance resolving an on-going fraud protection investigation case with American Express Bluebird in the amount of {$2100.00} in fraudulent online charges I incurred on my Bluebird card on XX/XX/XXXX and XX/XX/XXXX, that appears hopelessly stuck in AmEx 's recurring, on-going investigation process. Further, Amex has zero adherence to their most basic fraud protection provisions defined in their user agreement, which states Amex will provisionally credit the fraudulent charge amount within 10 day 's of opening the investigation if the investigation requires additional time. I asked Amex CR representatives about this provision and they verbally acknowledge they don't comply with their written policies, which is disturbing because AmEx advertises fraud protection as a selling point. Event history below : - XX/XX/XXXX & XX/XX/XXXX, I incurred over {$2100.00} in fraudulent online charges on my American Express Bluebird card. One of the fraud charges included a very large overseas online purchase from XXXX in XXXX XXXX for {$2000.00}. For some reason Amex apparently doesn't trigger fraud alerts on large, overseas online purchases out of XXXX, which Amex couldn't explain. - XXXX : I notified Amex about the fraudulent charges after I logged onto my account and immediately called AmEx 's fraud protection number to initiate an investigation - XX/XX/XXXX : Amex declined all fraudulent charges. Although each fraudulent charge was disputed as a separate claim, Amex declined all because they intercepted a single fraudulent purchases before it shipped - because the merchant was going to refund that item, they said they had to decline all fraud charges and directed me to reopen the exact same claim again for the remaining items. XX/XX/XXXX : I reopened the same claim per Amex 's recommendation ( minus the one item Amex was able to intercept as mentioned above (. I asked Amex about the 10 day provisional credit because I have to pay my household bills out of this account, which they said they would apply if the investigation isn't resolved in 10 days. The provisional credit was never applied XXXX : Amex again declines all fraudulent charges because one of the smaller purchases for approximately {$50.00} ended up being a legitimate purchase but the merchant id was mis-labeled in Amex 's transaction detail as PDF which was a completely unrecognizable vendor. All other legitimate fraudulent charges were declined as a result. XXXX : Reopened the claim again per Amex 's recommendation minus the single item mentioned above. XXXX : Called AmEx requesting for an update on the investigation and the provisional credit as it's been over 60 days since the original claim was submitted but Amex had no update and suggested I keep waiting, which is unacceptable.
Company Response:
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX ( XXXX ) I received communications from American Express regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. A few weeks later, I found gainful employment and responded to American Express, informing American Express that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. American Express XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from American Express XXXX XXXX was my account was sold to XXXX XXXX XXXX XXXX ( XXXX ). Mid to end of XX/XX/2021, as soon as I realized what was happening with American Express XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and American Express XXXX XXXX investigation findings. In the meantime, XXXX XXXX XXXX XXXX ( XXXX ) has been sending frequent emails to collect the said debt. I have not communicated with XXXX XXXX XXXX XXXX ( XXXX ) because this confusing situation requires resolution before paying anyone any amount of money.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied to AMEX on XX/XX/21 and they denied my application within 30 seconds and set me a letter to my email of the denial.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently received a copy of my XXXX credit report and noticed American express is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Amex and XXXX multiple times and XXXX tells me the information they are receiving is coming from American express and is 110 % accurate and American express tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Here are the details of the case : I signed up the Amex card based on an offer at XXXX Amex 's payment process that they ask for my bank account and routing numbers to withdraw from my account. However, XXXX blocks that payment because the Amex Payee ID is not approved by me. That is standard process at XXXX ( else anybody can fraudulently withdraw from my account ) There is no way for me to pre-approve the Payee ID because the Payee ID is not clear to anyone Amex has two different Payee IDs - 1 ) Auto Pay Payee ID and 2 ) Regular payment ID. BOTH these payee IDs have to be rejected ( i.g. Payment returned ) before I know the Payee ID can be approved by XXXX and regular payment processing can happen This is exactly what happened i.e. the payee IDs were approved and now the payments are going through fine. I got a call out of the blue by an Amex rep on XX/XX/2021 at ~XXXX XXXX EST saying that they are going to shut my account down after a financial review. The rep was hesitant to explain what the underlying issue was I had to ask him why and then he explained that it was because the payments were returned I had explain the payment returned issue because of the Payee ID ( outlined in the above points ) He then said he can review with his supervisor and hold the account being closed but the charges can not be made I had explain to him that this card is linked to on and on file for many critical needs and you can't just call up someone out of the blue and just shut someone's card down without giving an explanation. This is like shutting down your electricity He put me on hold and then went back and then said that the charges can also go through now I am not sure what process Amex is running in their back office and customer service operations.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft AMEX Account Number : XXXX This is not mine. 6. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A