Date Received: 2021-10-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX, credit application was denied by American Express on XX/XX/2021 due to negative markings on my credit report. Under 15 U.S. Code CHAPTER 41, SUBCHAPTER IV : EQUAL CREDIT OPPORTUNITY ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Under 15 U.S. Code 1691a - Definitions ; rules of construction ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Problem with customer service
Subissue:
Consumer Complaint: I got a credit from XXXX in the amount of XXXX dollars and the merchant and merchants bank told me they released the funds to my bank and my bank wont take off the hold so my bank has stolen my money
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I applied for a credit increase with American Express. After applying AMEX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that AMEX XXXX pull and they advised they did not show the information that AMEX had on file. I then called AMEX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by AMEX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to AMEX. It is my belief that AMEX is using outdated files when pulling credit reports of clients. I reached out to both XXXX, XXXX, and XXXX XXXX regarding the information AMEX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how AMEX is reviewing credit but their file does not match either of the two credit reporting agencies. I did not receive a credit pull alert from AMEX or from the credit reporting agency that my credit was pulled by AMEX. failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX Using old and outdated reports for the certain customer ( s ) is a form of discrimination. There needs to be a full investigation into the pattern and practices used by AMEX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. AMEX advised me they used reports from XXXX and XXXX XXXX to review my request for a credit increase. Once again I did not get any alerts that my credit had been pulled by AMEX
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: An unauthorized party stole my debit card information and withdrew funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/20 to XX/XX/20. I discovered these withdrawals on XX/XX/20 and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. I filed a police report and provided the report information and the declaration of fraud to their fraud department. American Express had repeatedly denied my disputes without providing reasons for the denial. After several dispute attempts, they closed my account.
Company Response:
State: CO
Zip: 80031
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. AMEX Account Number : XXXX Please remove it from my credit report. 11. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 12. XXXX Account Number : XXXX Please remove it from my credit report. 13. XXXX Account Number : XXXX Please remove it from my credit report. 14. XXXX Account Number : XXXX Please remove it from my credit report. 15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 19. XXXX XXXX Account Number : XXXX
Company Response:
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I opened an small business checking account with Kabbage by American Express. On the same day, I began the transfer of {$6000.00} to this new checking account. When I attempted to access my account on XX/XX/, to review the status of my transfer and to begin making additional deposits into the account, I was informed that the account " has been locked for security purposes '' and that this was " done to keep your account secure. To unlock your account, please contact us. '' I've attempted to contact this company on several occasions, beginning on XX/XX/XXXX, and through the weekend to XX/XX/XXXX, each time hearing a recorded message that - despite the company 's published customer service hours - customer service was unavailable and would be available the following day at XXXXXXXX XXXX XXXX ; the company, as of the time of this filing, has not reopened and therefore has been unable to unlock my account and provide me access to my funds.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid XXXX between XXXX XXXX. They should have applied anything more than the min payment to the highest apr they applied to the lowest apr. cash advance is the highest. Purchases is the lowest. They tried to say they can apply to purchase first bc each one has different rate that is a lie. They didnt apply my payment right and refuse to fix it.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I saw an offer for the Amex XXXX XXXX XXXX offering a 0 % introductory rate for 10 months and XXXX bonus points after spending {$4000.00} within the first 3 months. After applying, I noticed that the introductory interest rate was not mentioned. I immediately called and could not get through to anyone. I started an online chat. I told the representative what had happened and he told me I was given a different offer, with no introductory interested rate. I explained this is not what I signed up for and he transferred me to a " supervisor '' who said the same thing and refused to honor the offer that I had signed up for. I asked for the card to be canceled and not sent out as this was a bait and switch tactic. Now I have an inquiry on my credit for no reason. Amex should not be able to do business this way.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In the height of the Covid-19 pandemic between XXXX to XXXX, XXXX. I was hesitant, but was assured it was best time to do so, because I was protected by care act for credit cards companies and consumer, I hesitantly consulted a credit/Debt consolidation company from a random mail that was sent to my home. After I paid the fees for their services, I was instructed by the consolidation company to send my payments to them, and NOT pay my credit card bills to my creditors, and was told that consolidation company legal team would take care payments, and if I received any phone call from the creditors give them the company 's legal team contact information. I did not feel comfortable with strategy or approach .It just did not feel right in my soul so I decided cancelled the consolidation company services, by this time American Express the only 1 of my credit cards companies demanded all three ( 3 ) payments immediately of which I complied, shortly after I received a cancellation letter. I called American Express see if my account could be reopen by explaining what had happened and if the information I received was accurate. I am still not sure if my account was unlawfully closed by American Express in the middle of the Covid-19 pandemic.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A