Date Received: 2021-11-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My American Express full statement payment of XXXX was due on XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. Amex charged me an interest of XXXX for this XXXX day late payment, which is 14,132.5 % in yearly interest. When contacting Amex today, I was told that this is standard practice. I think that this practice is outrageous and should be terminated.
Company Response:
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: AMEX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: American Express moved me from paper statements to paperless billing without my knowledge or consent. I do not have an online account. I never signed up for paperless and I don't want to. As a result I receive NO bills and my payments are invariably delayed. I have tried multiple times to fix this situation with American Express by requesting a return to regular paper bills. American Express refuses to do this - even though the move to paperless billing was not authorized by me in the first place. Any help you can give would be appreciated
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: While Im the mail I never received my card so Im guessing someone stole it I only have access to the online part but someone has access to the physical card that they stole on the mail now American Express says theres nothing they can do about it which is really messed up because I lost {$3000.00} today it was supposed to be a gift for my mother because shes at the hospital but now I have nothing for her but I called the company and they were really rude and telling me to call the merchants which I did and they told me to call the financial intuition but AMEX doesnt do anything Or help they treat their customers so bad these are the transactions : Credit transaction - XX/XX/XXXX eastern standard XXXX In their time XXXX # 1 XXXX XXXX {$1000.00} XXXX XXXX Gadget gone {$600.00} XXXX eastern standard time XXXX service desk XX/XX/XXXX XXXX XXXX service desk {$50.00} eastern standard time {$32.00} {$15.00} XXXX service desk XXXX XX/XX/XXXX - according to XXXX the customer representative
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX, I received an email from American Express ( AMEX Bonvoy ) with a partner offerIf I signed up for an annual membership with Clear they would credit me back the {$170.00} annual fee if I used my Bonvoy card. I opened up the annual membership on XX/XX/XXXX and then sat back and waited for AMEX to credit me back the {$170.00}, but after five weeks and an entire billing cycle had lapsed, I contacted them on XX/XX/XXXX. I opened a ticket and explained I followed the steps in the email but they closed the ticket and never sent me a notification of the cancellation. I called again today and after speaking with the department that handles " unfulfilled offers '' they told me that because I did not " add the offer to my card through my online account '' they could not credit me back the {$170.00}. I escalated it to a supervisor and told him the large type in the middle of the email said nothing about adding the offer to my card first, but he rebutted with " well, it's in the small print terms and conditions '' at the bottom of the email so those are the terms they stand by. Bottom line I have no recourse through that department. I called back to the regular customer service and demanded they give me a service credit for the inconvenience, and, shockingly, even after being escalated again, they did not grant that as well. I've been a member of AMEX since XXXX and have had 3-4 cards with them. Shame on them.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 @ approximately XXXX, our small 2 person mobile repair company received a call from a truck owner who had a driver in distress on the interstate. Our mobile mechanic was dispatched and found the customers issue, in which he repaired. The customer was billed, the invoice sent via square text services and he then paid the invoice in full using his American Express Card. And the driver was on his way. The owner called back shortly after to advise the driver was pulled over about 30 miles from the original site with another issue. Our mechanic returned to the truck and found another issue in which we advised required a part in which our parts vendor wasnt able to provide until next day after noon. As an alternative, the mechanic repaired the truck enough for the driver to return to home where we advised it would need to be seen immediately by the customers mechanic. As a courtesy, the customer was not charged for the return back to the truck. A message notating the visit was sent which documented the encounter. Later that afternoon, the owner called a third time to advise the driver never left and they wanted us to get the part and repair the truck. This was done and billed. The customer paid agin using XXXX and the driver was on his way. We later received an email from square stating the customer never received the first charge we of course disputed and they still ruled in the customers favor as if they did not receive the repairs.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 1. AMEX Account Number : XXXX Please remove it from my credit report. 2. XXXX Account Number : XXXX Please remove it from my credit report. 3. XXXX Account Number : XXXX Please remove it from my credit report. 4. The following account is not mine Account Number : XXXX Please remove it from my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Enclosed are the following : A copy of my driver liscense. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/2021 my Stepson " XXXX XXXX XXXX '' suddenly passed away, I've been devastated, my family and I have been completely distraught, then on XX/XX/2021, I received an alert from my Experian monitoring service that American Express reported me 30 days late to the Credit Bureaus, I immediately contacted American Express paid the past due balance, American Express waived the late fee, however the agent said they could not help me with the late postings to contact their disputes department. I had no idea a payment was due for this account, I had paid the account in full on XX/XX/2021, I didn't receive my American Express monthly statement, I didn't receive any late notices or telephone calls from American Express. My credit score dropped drastically because of this late posting, I've had a perfect payment history with American Express and all my accounts, I've never once had a late posting to my credit profile.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: American Express National Bank XXXX XXXX XXXX u s a all disputes have timed out of the past ten years due too barriers to citizens of the united states not being able to gather and forward supporting documents from hotels and airlines in the us when it was charged on a prepaid bank card the bank will not help in any matter with all of the above
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
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: Periodic, {$5000.00} 2017 Unsure of loss as my business, finance, good faith, & credit was attacked financially by a felon named XXXX XXXX XXXX. American Express request to provide account records for forensic analysis referred to arsiwebpay.com & a phone number as follows XXXX by virtual voice which is suspicious. Account names XXXX XXXX XXXX Cell Phone Repair Requested complete record information
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A