Date Received: 2021-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX c/o XXXX XXXX XXXX # XXXX XXXX, California [ XXXX ] State of California Secretary of State Secretary of State Dr. XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Dear Secretary of State XXXX XXXX XXXX , I, a living woman, am serving you Notice of my standing as a California State National , as I know it is your duty to defend my constitutional guarantees. I am exempt from all Municipal duty and service by my exemption found at Title 50, Section 7 ( c ) and ( e ) of the 2012 Edition of the Federal Code. ( Enclosed ) I am not an individual corporation created under Municipal law. I am exempt from all Territorial obligations, as I am a Foreign Sovereign as stated on the Mandatory Foreign Sovereign Immunity Notice ( Enclosed ). I claim my exemption under the Supremacy Clause of Article VI of The Constitution of the United States of America and Amendment XI thereof, which provides that no American is subject to foreign law. I am not an individual created under 1USC 8 as a Territorial citizen. I have one contract and one contract only with the government officials. If they are MUNICIPAL Employees, the contract is The Constitution of the United States. If they are Territorial Employees, the contract is The Constitution of the United States of America. Article VI is the Supremacy Clause, no other law, statute, code, or regulation stands above the Constitution owed to me as an American and any contrary law is null and void. Amendment 10, the power remains with the States and the people. Amendment 11, Americans are not subject to any foreign law. Ever! This includes the statutes of the States of States and the codes of the Federal Subcontractors. Therefore, I owe no duty to any Municipal or Territorial court, instead any Municipal or Territorial court has a duty to set me free from any presumption of obligation under any foreign law, and to return to me my assets and my freedom without debt or encumbrance. '' By : XXXX XXXX XXXX @ All Rights Reserved Without Prejudice
Company Response:
State: CA
Zip: 93117
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I spent XXXX $ at crate barrel retail store as part of the promotion ( XXXX $ refurbishing store credit ) for new card bonus run by American Express. I kept checking with the representative many many many times after I made the qualified purchase and every time I was told I will get the credit after XXXX weeks. However on XX/XX/XXXX they told me my purchase is not eligible so they couldnt issue me credit. The specific reasons they provided are : XXXX. The store I purchased from is an outlet store which is not qualified. 2. My purchase was for business purchase However, I purchased at crate barrel store located in XXXX XXXX XXXX in XXXX which is not an Outlet store. Also I have attached the receipt for my purchase. It clearly shows what I purchased at which store and it is for personal use not business order. However, the Amex representative just refused to check my receipt. I am very disappointed by how Amex treated its customers. If you dont have enough budget you shouldnt run such promotion.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: American Express has reported me deceased to the 3 credit bureau 's. I have called them multiple times to dispute the inaccuracy of the account to get nowhere with them they will not provide me with any information, so I have no dates, amounts, or account information please help. I have called the 3 credit bureau 's and they have removed the deceased remarks, but American Express keeps reporting to them I'm deceased.
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: serval months ago i received an email from American express informing of a possible fraudulent charge on my card end in XXXX which I havent used because i tore it up long ago. I believe it was a {$4.00} charge from XXXX XXXX XXXX not even USA. i believe this was a fake email from AE to get me to contact them due to lack of usage because when i called AE they only cared about asking me 100 questions why i was no longer using my card. Im unable to login to my account without my card number and AE says they cant reset my password without sending me the card FIRST that is a lie they just dont want me close my account online! Several months ago I talked to many techs and asked many times to have my account closed due to possible fraud ( {$4.00} ) and lack of usage. They kept insisting it was a fraudulent charge that would be removed and that they would send me a new card. i kept saying no just cancel/close the account. they assured me it would be closed but by the end of the call the lady just said " your new card will be arriving shortly '' like i was a dummy and i was because i just said ok because i wanted to get off the phone expecting to close it later. Today i received another email from AE saying my card was about to be overdue. They told me it was now {$10.00} because they never removed the {$4.00} charge. I asked for them to reset my online account password but he said they can only send me a new card which seems like a lie. So i asked him to close " any and all accounts '' associated with me. He said he closed 2 account ( one btw has {$30.00} credit on which proves i dont need their {$10.00} ). he ( XXXX employee # XXXX ) transferred me to the fraud department to dispute the charge made on XXXX XXXX. The tech says ive filed a dispute btw " would you like me to send you a new card? ". i was in shock i said the tech before you just closed my accounts, he said no your account is still opened. I told him when i started talking to him that since he was recording the call that i would record it also for my protection as this sounds like a fraud to me. when he told me my account was still opened AFTER they told me it was closed proving they dont want to close my account i told him im glad i recorded them lying to me. he told me i would have to stop recording if i wanted to continue the call and close my account. i told him i did stop but he didnt believe me. he then said im going to close out your account after i hang up with you ok and he just hung up. he clearly knew what he was doing was wrong and quickly got off the phone. i have a feeling they still wont close my account but i have him on recording stating he will close my account before he hung up. i feel like im being held hostage by AE with a fake {$4.00} fraudulent charge. Even more suspicious when i confronted the tech about AE sending me a fake email about a fraudulent charge just to get me to contact them to see why i was no longer using my card they tech said there are a lot of fake email scams out there. i told him i googled AE phone number and never click on any links and AE confirmed that email me still insisted the i email i receieved and still have was FAKE SCAM. Ive had to deal with this for months. Im XXXX senior citizen on SSI. why is the multibillion dollar company allowed to abuse their customers in this manner? this feels like false imprisonment.
Company Response:
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a new XXXX XXXX XXXX XXXX with the following welcome bonus offer and confirmed it in writing as well through customer service on XX/XX/2021. Transcript below : However, now the customer service is telling me they don't see any offer attached to my account. In this XXXX XXXX XXXX XXXX can earn : a ) XXXX Bonus Marriott Bonvoy Points after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. b ) Two bonus Free Night Awards from XXXX XXXX, you must use your XXXX XXXX XXXX American Express Card to complete {$5000.00} ( the Threshold Amount ) of eligible purchases within the first 3 months ( 92 days ) of Card Membership, based on the date of your Card approval. ~ Qualified Spend Amount : {$350.00} ~ Remaining Spend Amount : {$4600.00} The 92 days will be completed on Friday, XX/XX/XXXX, XXXX
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: After receiving several offers from American Express to upgrade my account to the XXXX XXXX XXXX account, I called in to understand the card terms, conditions and benefits. I spoke with a customer service member and inquired about the various features of the XXXX XXXX card on XX/XX/XXXX. I was read a disclosure that mentioned a XXXX XXXX credit. The disclosure mentioned that other cardholders on the account maybe eligible to receive this credit. I inquired as to whether the benefit is available for every cardholder or just the primary cardholder. I was explicitly told that if I charged my card for XXXX XXXX and my wife charged her card separately, American Express would credit the account for both charges. I then went ahead and upgraded my account ( which now included an annual fee ) based on this and other information provided on the call. I charged my card initially, and my account was credited. My wife then charged her card, as instructed, however, we never received a credit. I called again on XX/XX/XXXX to inquire why we had not received the credit yet for the XXXX XXXX charge done on my wife 's card. After several moments of the representative trying to understand, I was informed that you are only allowed 1 credit per account, not per cardholder. This information was completely contrary to what was previously communicated to me. I asked that this be investigated. I was provided inaccurate information, and as a result, the company should honor that mistake since it was one of the main reasons for me getting the card. The customer service represented disclosed inaccurate information for which I based my decision. I was told the company would investigate my claim. I never heard anything back so I called again on XX/XX/2021. This person read me a disclosure, which again stated that the benefit may be available to other cardholder the account. The disclosure that was read never explicitly stated that this benefit is only available once per account - again, quite misleading. The representative then researched my previous complaint, and it was only then that he clarified the benefit is only available once per account every 4.5 years. He told me that the company researched the call and did see that the customer service person provided me inaccurate information back on XX/XX/2021 when I switched to the XXXX account. Although they would provide that associate coaching, they still wouldn't provide me a credit. While I totally understand it not happening going forward, they should credit me for this instance. It also seems that the disclosure needs to be amended to include the benefit is only available once on an account every 4.5 years. Had the representative I spoke with on XX/XX/2021 not read the notes on my account, it seems that he was headed down the same route of providing me inaccurate information again. I am confident that training the one representative will not prevent this error from occurring again in the future. Based on this information, I feel this practice was indeed deceptive in accordance the CFPBs Supervision and Examination Manual and at least one appellate courts legal interpretation. -The disclosure read by the customer service representative along with them explaining that the benefit is available to all cardholders on the account was a representation and omission of certain information is likely to mislead a consumer. -The consumer 's ( my ) interpretation of the representation and omission of information is reasonable under the circumstances -The misleading representation and omission is material ( one might compare this to a bait and switch tactic ).
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I looked at my XXXX credit inquiries and noticed an AMEX inquiry created on XX/XX/2021 for an application of new credit. I Immediately on XX/XX/2021 put a Fraud Alert and froze all 3 of my credit companies ( XXXX XXXX, XXXX, XXXX ). This morning on XX/XX/2021 I had AMEX search their system for an application with my phone number and SSN #. The wrong phone number was attached to a credit application with my SSN, this application was marked as fraud and the request was rejected/deleted from their system along with a request to remove the inquiry from my credit score. A second credit opening request was made at XXXX XXXX on XX/XX/2021 and this was marked as fraud without my knowledge and removed from my credit score. Location of the bank is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was called and they too marked this as fraud in their system. All of this occurred without my knowledge and I was informed of the process by XXXX XXXX on XX/XX/2021 As I said my credit is now frozen because someone is making numerous, and very recent attempts to take credit out in my name. The only incident that stands out for when/where my social may have been leaked is through the Texas XXXX site after requesting a change of address on my drivers licence. That request was placed on XX/XX/2021
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express has decreased my credit line by 30 %. Despite I've been customer over a decade and never missed one payment. I am making more money than ever. This is a very bad business practice, and I do not see the risk, in continuing to provide a higher credit limit. Where is the appreciation for customers, over the years I have paid almost XXXX in profits due to i nterest, and other charges, and this is the appreciation I get.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was abused and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA. This have caused my family and I financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( e ). These are the violations that were committed against me as a consumer.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: All though out the start of the Covid outbreak all the way to XX/XX/XXXX when I paid the account in full. American Express has consistently engaged in questionable and overly aggressive tactics and threats as it relates to my account they closed and for no reason our cause. They continued to draw funds from my account after advising them the account had changed and providing the information verbally due to the limitations on there web site to make the change myself. My wife is a XXXX XXXX and caught XXXX the early part of this year and in XXXX my father passed due to the XXXX. When I called in XXXX and XXXX to explore what options. I could literally hear someone laughing in the background as I was explaining my concerns trying to prevent negative information during the pandemic. I was hung up on, several times as I tried to work with American Express. Finally I ended up taking on three jobs just so I could pay the debt off, because the last call I received a man with a thick accent threatened to turn the account over to a third party if I didnt pay within 24 hours and he was so demanding and aggressive. I have never experienced anything like this before and I know American Express does not operate under these types of values, so I was shocked that with how hard these last two years has been on everyone. The was I was treated when trying to ask for help during this world disaster is just eye opening to be honest.
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A