Date Received: 2023-12-19
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: A dispute on a company for {$4400.00} was initiated on XX/XX/XXXX. I made the order from that company 2 weeks before and they never sent me any information about an order confirmation or tracking number or anything of that nature. They did not even ask me for a signature on delivery for such an extremely large order. I never received my order after waiting 2 weeks and getting no support or updates from the company I purchased it for so I finally decide to initiate a dispute with my Amex card since the company never shipped my items. Amex at first gave me a temporary credit for this order. I was very pleased with the outcome. Later on, the company started talking to Amex saying they shipped my order but not telling me anything. Where was this information when I made the order? I would've taken a day off of work to get this order and sign for it because this was a large amount in savings for me but no I get no communication from the company that I made an order and it shipped and no tracking number or signature required. The company provides amex some random tracking number and shipping information which doesn't even look like mine and Amex sided with them. I still have yet to receive any of my packages. I am confused and saddened by this and I reopened the dispute explaining that I was never given any information on this order and Amex once again ruled in the favor of the company. This is very unfortunate. I thought Amex was suppose to protect it's customers but I wasn't protected from a very shady company that did not ship my items to me and take my money. This is not the experience I want from Amex and I am very dissapointed and disheartened by this whole situation as a cardholder of 5 years.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint due to unresolved inaccuracies in my credit report involving American Express, as reported to XXXX. These inaccuracies relate to the reporting of account statuses, balances, and other critical credit information that do not accurately reflect my credit history. Issue XXXX : I discovered these inaccuracies upon reviewing my credit report from XXXX on XX/XX/2023. Initial Action : A formal dispute letter was sent to American Express on XX/XX/2023, challenging the reported information. The letter specifically questioned the accuracy of account statuses, the balance owed, the date the account was opened, and the date of last reporting. Request for Proof : In the dispute letter, I requested American Express to provide factual proof of the alleged delinquencies, in compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. Discrepancies Noted : The disputed issues include inconsistencies in the reported balance and account status for the periods of XX/XX/2023 and XX/XX/2023. Response from American Express : As of today, XX/XX/2023, American Express has not provided a satisfactory response or resolution to the issues raised. Impact of Inaccuracies : These inaccuracies are negatively impacting my credit score and financial opportunities, causing undue stress and potential financial loss. Resolution Attempts : Despite multiple attempts to rectify these inaccuracies directly with American Express and a 30-day window given for investigation and correction, the issue remains unresolved. I seek the CFPB 's assistance in ensuring accurate reporting of my credit information by American Express and the correction of any errors, in line with the FCRA requirements. The failure to resolve these inaccuracies has had significant negative consequences on my financial standing.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX APPLIED FOR THE AMERICAN EXPRESS GOLD CARD WAS DENIED I CALLED TO EXPRESS AND WROTE UNDERWITTER TEAM 1. HOW MY APPLICATION WAS A DPOSIT OF A NEGOTIABLE INSTRUMENT 2. THAT DEPOSIT WAS DONE ELECTRONICALLY SO THERE IS NO PAPER APPLICATION TO RETURN 3.IN ADDITION TO PROVIDING PROOF THAT THE ACTUAL INSTRUMENT WAS DENIED/RETUNED AMERICAN EXPRESS NEED TO PROVIDE A SATISFACTORY METHOD FOR STOPPING THE DEPOSIT FROM HAPPENING 4. IF THEY CAN NOT ( WHICH THEY CAN NOT ) PLEASE OPEN THE ACCOUNT AND ISSUE THE CARD SO I CAN TRACK THE ACCOUNTING VIA MONTHLY STATEMENTS AND MONITOR THE ACCOUNT FOR FRAUDULENT ACTIVITY FURTHERMORE ( AMERICAN EXPRESS ) USED MY OPEN-ENDED CREDIT PLAN IN ACCORDANCE WITH 16 C.F.R. 433.2 ( A ) TO FURNISH WHICH FURTHERMORE PROVES THEY DID NOT EXTEND CREDIT TO ME PURSUANT TO 12 U.S. CODE 1831N ( 2 ) ( A ) - GAAP AUDIT TRAIL, ACCOUNTING AND INSURANCE NOTICE, IT IS FACT AFFIANT IS AWARE THE CONSUMER HAS THE RIGHT TO REQUEST THE GAAP AUDIT TRAIL IN ACCORDANCE WITH 12 U.S. CODE 1831N ( 2 ) ( A ) AND WITHOUT THIS DOCUMENTARY EVIDENCE TO PROPERLY ADDRESS THIS SUBJECT MATTER DENIAL OF CREDIT IS INTERFERING WITH COMMERCE, USING A CREDIT REPORT TO DENY ME CREDIT INTERFERENCE IN COMMERCE. AND YOU CAN NOT DENY ME MY RIGHT TO CONDUCT TRADE AND BUSINESS BASED ON THE FACT IM PROTECTING MY RIGHTS THATS DISCRIMINATION AND INTERFERENCE IN COMMERCE. 18 USC 1951 INTERFERING IN COMMERCE CAUSING HARM AND THREATENING MY PERSONAL LIBERTY, RIGHTS TO CONDUCT TRADE OR BUSINESS. THIS IS A VERY VIOLENT ACT AS IT CAUSES ME TO NOT BE ABLE TO FEED MY FAMILY AND HARM UPON MY PURSUIT OF HAPPINESS TO FEED MY FAMILY I DID NOT EXTEND CREDIT TO THE APPLICANT TO BE DETMINED BY THE APPLICANT CONSUMER REPORT. I WILL LIKE ( AMERICAN EXPRESS ) TO STAND IN HORNOR. BEING DENIED OF OWN CREDIT HAVE THE RIGHT TO CREDIT I EXTENDED CREDIT TO YOU THE APPLICANT PRINCIPAL CONSUMER BASED ON THE INFORMATION IN THE CREDIT APPLICATION. PER ( AMERICAN EXPRESS ) PROSPECTUS DESCRIPTION OF COMMON SHARES The following briefly summarizes certain of the material terms of our common shares. Other pricing and related terms will be disclosed in an accompanying prospectus supplement. You should read any accompanying prospectus supplement for a more detailed description of a particular series of common shares and other provisions that may be important to you. We may periodically issue other securities that can be exercised, converted or exchanged into common shares. The following description of the common shares does not purport to be complete and is subject to, and qualified in its entirety by reference to the applicable provisions of the New York Business Corporation Law, our amended and restated certificate of incorporation and our by-laws. We are authorized to issue up to 3,600,000,000 common shares, par value {$0.00} each. Dividends. Subject to the prior rights of holders of any preferred shares, holders of common shares are entitled to receive dividends when, as and if declared by our Board of Directors out of funds legally available for that purpose. Liquidation Rights. In the event of our liquidation, dissolution or winding up, after the satisfaction in full of the liquidation preferences of holders of any preferred shares, holders of common shares are entitled to ratable distribution of the remaining assets available for distribution to shareholders. Voting Rights. Each common share is entitled to one vote on all matters submitted to a vote of shareholders. Holders of the common shares do not have cumulative voting rights. No Redemption Provisions. The common shares are not subject to redemption by operation of a sinking fund or otherwise. No Preemptive Rights. Holders of common shares are not entitled to preemptive rights. No Assessment. The issued and outstanding common shares are fully paid and non-assessable. Transfer Agent and Registrar. The transfer agent and registrar for the common shares is XXXX NOTE 7 CUSTOMER DEPOSITS ( a ) The outstanding balances include ( i ) unamortized discount, ( ii ) the impact of movements in exchange rates on foreign currency denominated debt and ( iii ) the impact of fair value hedge accounting on certain fixed-rate notes that have been swapped to floating rate through the use of interest rate swaps. Refer to Note 13 for more details on our treatment of fair value hedges. ( b ) For floating-rate issuances, the stated interest rate on debt is weighted based on the outstanding principal balances and interest rates in effect as of XX/XX/XXXX and XXXX. ( c ) Interest rates with swaps are only presented when swaps are in place to hedge the underlying debt. The interest rates with swaps are weighted based on the outstanding principal balances and the interest rates on the floating leg of the swaps in effect as of XX/XX/XXXX and XXXX. Section 10.5 Arbitration. Notwithstanding anything herein to the contrary, and except with respect to a claim which requires the Administrator to make a determination with respect to the Participants disabled status ( unless the Participant consents to binding arbitration of such claim ) or any other claim as to which mandatory arbitration is prohibited by law and the claimant does not consent to arbitration, upon completion of the claims process set forth in this Article 10, the Administrator or a claimant will have the right to compel binding arbitration with respect to any claim involving the Plan. By way of clarification, the right to compel binding arbitration applies with equal force to any claim which the claimant attempts to bring outside the claims process, but the Plan requires the claimant to exhaust his or her administrative remedies before arbitrating or litigating his or her claim. If any party to a claim chooses to compel arbitration, the process and procedure shall be governed by the terms and conditions of the Policy, to the extent such Policy is consistent with the terms of the Plan. This includes, but is not limited to, the Policys prohibition against claims being arbitrated on a class action basis or on bases involving claims brought in a representative capacity on behalf of any other similarly situated party, and therefore all Plan Participants, Beneficiaries and persons claiming to be a Participant or Beneficiary, as well as any other person with a claim involving the Plan, waive the right to act on a representative basis with respect to the Plan or any other person or class of persons in an arbitration proceeding hereunder or to be part of any class action ; provided, however, that this Section is not intended to, and does not, waive or invalidate any statutory rights or remedies that can not be waived or invalidated hereby, and in the event that a remedy can not be granted in arbitration pursuant to the terms of this clause, such a remedy may, if required by law to be available in the claimants situation without the possibility of waiver, be sought in court. In addition, if any party chooses to compel arbitration, the arbitrator will be bound by the substantive terms of the Plan and ERISA ( including, but not limited to, the standard of review required by ERISA, which requires the arbitrator to defer to the factual findings and Plan interpretations of the Administrator unless such findings and interpretations are arbitrary and capricious ).
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I discovered inaccuracies in my credit report related to American Express, as reported by XXXX. The report mistakenly includes late payment entries that inaccurately reflect my payment history. These errors are adversely affecting my credit score and financial reputation. Initial XXXX Date : The discrepancies were first noticed on XX/XX/2023, during a routine examination of my credit report. Dispute Initiation : I sent a formal dispute letter to American Express on XX/XX/2023, outlining the inaccuracies and demanding immediate correction in compliance with the Fair Credit Reporting Act ( FCRA ). Specific Discrepancies : The erroneous entries include incorrect late payment notations for the periods of XX/XX/2023 and XX/XX/2023. Expected Correction : I requested the removal of these inaccurate late payment entries and an accurate update to my payment history. Response from American Express : As of today, XX/XX/2023, there has been no response from American Express regarding this issue. Impact : The inaccuracies have resulted in significant financial setbacks, including higher interest rates on new credit lines. Repeated Attempts for Resolution : Additional follow-up communications were sent to American Express and XXXX on XX/XX/2023, but the issue has not been resolved. Despite exhaustive efforts to rectify this issue directly with American Express, I have not achieved a satisfactory resolution. Consequently, I am seeking the CFPB 's assistance to ensure that my credit report accurately reflects my financial conduct and that American Express complies with the FCRA.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
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 or about the late XXXX early XXXX I noticed some unauthorized transactions on my credit card account. I paid the account unaware of the additional charges, then cancelled the payment. Ive been waiting 8 months for them this account. But they keep insisting I pay the account until the investigation is over. Yet every time they call, I ask for arbitration and my calls are dropped. As a result of their failure to properly address this account and refusal to allow me to seek resolve and thier continuation of breaching the agreement for unauthorized transaction. Theyre attempting to intimidate me to pay these charges and if I dont, theyre charging me interest on the account, reducing my usage across other non related accounts, reduced my credit usage, reduced my credit rating, threaten to close the account, refuse me access to other accounts with Amex, threatening to send the account to collectionsand refusing to allow me to make contact with arbitration.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: During XXXX and XXXX My account has a unauthorized person access to my business account which resulted in my account being closed. I was informed that i was going to be issued another card several days after the account was closed, but the Card company has not done so ultimately interrupting my business operations by discriminated against me for being a victim of a fraudulent transaction. Ive not been properly assisted in this matter. Forcing my business to go through this is arbitrary.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to formally lodge a complaint regarding serious inaccuracies present in my AMEX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account was not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my XXXX XXXX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMEX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2023, I received an American Express prepaid card in the amount of {$50.00}. I immediately tried to use the card to make a purchase on XXXX, and the charge was declined by AmEx. I then tried to use it to order groceries through XXXX and it was also declined. I tried to use it to make a purchase on XXXX and it was declined a third time. When I looked at the account online, I saw that AmEx had allowed a XXXX pending charge for all three merchants to show that it was a legitimate card number, but then they declined the actual charge with no reason stated. In all three cases, my prepaid card was more than sufficient to cover the purchase I was trying to make. I contacted AmEx customer service to see if I was doing something wrong, and I was given the unhelpful response that AmEx " declines some purchases to prevent fraud. '' Well it seems to me that they are the ones committing fraud if they are selling these prepaid cards and not allowing them to be used anywhere! I asked where I could use the card and the customer service representative could not tell me a single store that would accept it, just that I needed to " keep trying different places. '' I thought that was a fairly ridiculous response so I XXXX and found that lots of other people have had the same issue and could never get their AmEx prepaid card to work online. I thought I might have better luck trying it in-store, so I added the card to my XXXX wallet and tried to pay for a small purchase using the app at checkout, and once again got the message that AmEx declined the charge. If I can't use this prepaid card online and I can't use it in a store, where exactly can I use it? I feel that American Express is committing fraud by taking money for these cards that can never be used anywhere.
Company Response:
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company. In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score. I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report. I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action. I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue. Sincerely, By : XXXX : XXXX XXXX / XXXX / XXXX XXXX XXXX For : XXXX XXXX XXXX / XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX charged the amount of {$1100.00} on my American Express Credit card. This charge is fraud, made by the merchant without prior notification nor permission from myself nor the other card holder. We entered into a XXXX lease agreement with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX from XX/XX/XXXX XX/XX/XXXX. We returned the rental vehicles in XX/XX/XXXX and closed out the balance due before moving back to the United Stated. In XX/XX/XXXX, the charge of {$1100.00} was made without prior notification nor permission by XXXX XXXX, XXXX. This was XXXX ( XXXX ) months after the end of my lease agreement with XXXX, thus they no longer had Charge Authorization to process a payment on my card. I submitted two separate charge disputes with American Express for this charge both of which they upheld the merchants ' claim. XX/XX/XXXX - XXXX charged American Express card without prior billing or notification. XX/XX/XXXX - Submitted dispute with American Express XX/XX/XXXX XXXX American Express denied the reverse charge request XX/XX/XXXX - Resubmitted the charge dispute with American Express XX/XX/XXXX XXXX American Express denied the reverse charge request
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A