Date Received: 2021-10-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I made a transfer with American Express serve of {$1700.00} to pay off XXXX XXXX credit card they said they paid the bill XX/XX/XXXX no XX/XX/XXXX with transaction ID number XXXX XXXX XXXX I let them know XXXX XXXX did not receive the payment and they said they would look into it XXXX came up they said they did not cash it and they would they were credit my account they never did anything two weeks later I call them up about it they said that XXXX XXXX received the payment I let them know that they did not receive the payment so they disputed it again and then next time in XXXX it came back and told me that stew that's been settled and that they would not refund my money because XXXX XXXX that already cashed it I called him up two more times which they said they would send me paperwork on how they settled the dispute never got anything the next week call about a total six times I would only get so far with their system and then they would tell me they're going to call their manager phone will always hang up I've been trying for 3 months to get my {$1700.00} back and they will not talk to me again
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened an American Express XXXX Card in XX/XX/2021. At the time, the promotional offer under which I applied was for 100,000 bonus points after {$6000.00} in spending. Approximately one week after receiving my card in the mail, I received a promotional flyer for the exact same card from American Express. The card was sent to my permanent address and mailed in my name. However, this promotional offered 150,000 bonus points. Feeling a bit bothered by the second offers terms being so much more lucrative in light of the recency with which I had applied, I called American Express to see if anything could be done. During one such call, I was informed by an authorized agent of American Express that if I received this conflicting offer in the mail to my address and in my name within a certain period of days of opening my card ( I think it was 60 days ). In any event, we were agreed that I had meet the terms of the offer. The authorized agent then directed me to a location on American Express ' website where I could upload a document substantiating my claim within a category coded " Better Offer. '' He then advised me that, if all was as I had said, I would in fact be eligible for the better offer terms. He made it clear that he was making this assertion after reading from an internal form providing him with guidance ; he informed me that his form made it clear that he could advise me that I should be eligible of all of my claims could be substantiated. Finally, I was informed that if I did not hear back I should simply call to follow up. After having thrice followed up since, each time I have been told that his assertions were incorrect and that I am therefore ineligible. However, I find this resolution to be entirely unacceptable and incompatible with CFPB protections, as well as a litany of Michigan consumer financial protections. In reliance upon American Express ' authorized agent 's assertions, I went on using my new American Express card in order to satisfying the required spending threshold of {$6000.00}. Had he made a different representation, I could have at that time attempted to convert my card type and make purchases toward a different card 's bonus offer requirement spending threshold. By now, several months later, I have nearly met that threshold.
Company Response:
State: MI
Zip: 48178
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I never received replacement card from American Express Serve. In order to close the account one needs a current activated card as that information is required to utilize their voice response system or website. The XXXX support number supplied hangs up if I can not supply the 4 digit CVV number which I do not have since I never received the replacement card. There is no way to get an agent on the phone. When I request a replacement card the system responds with " sorry technical difficulties ''. My ultimate goal is to close the account and get the slightly less than {$1000.00} returned to me. All avenues to do this will not work, phone or online app.
Company Response:
State: CT
Zip: 06877
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Amex credit card incorrectly charged me {$280.00} in 2018 but it was not from me but from someone else as I had not used that card for quite some time. I told them and their collection agency so many times but Amex still insisted to report this fraudulent activities under my duty to pay. This is unfair. I always paid all my actively used credit cards and mortgages without any delay ( avg. > {$5000.00} ) except this particular one from Amex fraudulent transaction. Could you please help me resolve this and so my credit score can get back to the excellent level?
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. I could have lost my job. My boss says personal calls should not come to that number. The voicemail clearly states it is a hospital environment that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.
Company Response:
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. I could have lost my job. My boss says personal calls should not come to that number. The voicemail clearly states it is a XXXX XXXX that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.
Company Response:
State: MD
Zip: 21214
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: 2021-10-21
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I have been having issues. But the real concerned started on XX/XX/2021. I have direct deposit set up. So basically almost everytime I use my card it it declined or state dont not honor. This is happening because in the state of Maryland a forgery Maryland Durable financial power of attorney was processed through out financial institutions to gain access to my employee benefits including stocks and XXXX account. The forgery power of attorney have a unknown agent listed that states the agent controls my money if I am able to or not.I believe that I might just in fact know the person or persons who hold the money transmitter license to act on my money which is apart of my identity theft and my identity theft is committed by a government entity contractor individual group and or business. Since XXXX my card have been declining everywhere but after the second attempt it will go through. This is being done to embrass and harass me to know where my where abouts are. Everything is wrong with finacial regulators that getting license to transmitte money illegally.
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: American Express Global Collections, Like many, at the onset of COVID-19, I was let go from my place of employment. We are barely able to keep a roof over our heads, food on the table, and keep essential utilities connected. 1 ) American Express sent me several emails offering varied methods to pay off my remaining debt, and I responded. My first response email stated I wanted to take advantage of said offers. I informed American Express Global Collections that I am unemployed, actively looking for work, and scheduled two interviews, indicating the companies. The following email I received from American Express Global Collections was that they had received my email and have forwarded my email to a specific department ( the name of the particular department was not provided in the email ). I never heard back from the unnamed specific department American Express Global Collections had forwarded my email. 2 ) A few weeks later, I received another email from American Express Global Collections. They were again informing me of the same repayment options that were mentioned in their first email. However, this time, I had accepted a job offer with XXXX, but I did not start my new position of XXXX XXXX XXXX XXXX XXXX position until XXXX. I sent American Express Global Collections a response email, indicating precisely what I stated above in this complaint - informing American Express Global Collections that I do not start my new job until XXXX. After I receive my first paycheck, I will pay off the account in Full ( one lump sum ). American Express Global Collections responded to an email, saying the same thing as mentioned in number one ( 1 ) of my complaint- stating they will forward my newest email to the same unnamed department within American Express and follow up with me. Again, the unknown department within American Express did not reach out to me. 3 ) Shortly after the second set of emails with American Express Global Collections, they sent another email - unrelated to the two previous sets of emails mentioned in number one ( 1 ) and number two ( 2 ) of my complaint. The third email from American Express Global Collections informed me that my account had been assigned a Debt Collection company called XXXX XXXX XXXX XXXX ( XXXX ). 4 ) XXXX XXXX XXXX XXXX ( XXXX ) sent me an email today, XX/XX/XXXX, at XXXX XXXX, attempting to collect the said debt. I don't understand why American Express Global Collections sent my account to a third-party debt collector when it was evident that I would be paying off my debt in Full, in One Lump Sum, as a XXXX XXXX XXXX XXXX XXXX after my first paycheck with XXXX.
Company Response:
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
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 was online this afternoon about XXXX XXXX eastern time, and my computer locked up. I couldn't do anything and there was a message which appeared. This is paraphrasing the message, but it said " a spyware program has been detected on my computer and the problem must be handled immediately '' and it provided a phone number that was said to be a XXXX contact. I was hesitant, but the computer was totally locked up. So, after some deliberation, I called. The woman that I contacted seemed savvy, told me she was " XXXX support '' and that I my security was deficient and she would try to resolve the problem. As she proceeded, the computer did unlock, she added some software, and told me my computer had been hacked into and probably my various accounts had also been compromised. She suggested I check my online banking and credit cards to be sure nothing was hacked into. My banking accounts seemed normal. But, she said to check my American Express. She had detected activity and I had not been on that account for a few days, maybe longer. She brought up a statement from American Express ( it looked like a statement from them ) and it showed a {$15000.00} charge to my card made at XXXX XXXX this morning, the charge to 'XXXX '. It was not something I had done and I told her so. She sympathized and told me that account was hacked and I needed to do something immediately or it would validate after 12 hours and by this time it was XXXX timeframe. I told her I would contact them immediately. She said that she would get them on the phone with her immediately which she apparently did, and in short order I was talking to an American Express agent, a man named XXXX, that I now know was actually an imposter. He went through a process to see if the charge could be dropped because he believed me that it was fraudulent but then came back and said it was too late, that I would have to pay the charge. He said my phone and email had also been hacked and they had verification that I was contacted by one or both of those means and I had approved the charge. This was not correct. I had approved nothing and I never have heard of XXXX. Anyway, he said the only way to combat and get some of my money back was to get gift cards, something not linked to my SS number like a typical credit card, and run up as much money as I could up to {$15000.00} if possible, and American Express could then not make payment to XXXX, and I could cash the cards back in. Like a fool, next thing I was following his advice and went to XXXX and got as many two gift cards for $ XXXX/each, {$500.00} total. I was trying to get more, but XXXX ( to there credit ) would not do more than {$500.00}. Thank god. The gift cards were for XXXX. Not there fault, either. I was getting a bad vibe by now, it didn't make total sense to me how this was going to help me. And, before I went into XXXX, XXXX said 'do n't get into the computer hacking your account, they will call the police and you'll be held up for too much time to do you any good '. That was suspicious for sure, but I was very stressed and followed along. When I gave XXXX the results, he wasn't to flustered. I gave him the numbers of the cards and he said they were good. I just needed to get to another store and buy some more. Next thing you know I was driving a few miles to XXXX XXXX. This is now about XXXX, maybe XXXX XXXX. But, this was making less sense and I was having serious doubts by now if this was legitimate. Still, stupidly, I went into XXXX XXXX and bought {$2000.00} worth of XXXX gift cards ( 4 cards, each {$500.00} ). Tried to do another {$2000.00}, but the transaction didn't go through. So, when I told XXXX what I had accomplished, he said no worries, we just have to go to more stores. I started to object, this just wasn't making sense. He got more pushy which made me even more unsure. At this point, I decided i was not going to give him the card numbers and I didn't. I told him my nerves were on end and I needed to go home and rest before I had a serious health issue such as XXXX XXXX. I am XXXX. He was very unhappy with that but it only made me more unsure of the whole setup and about XXXX I disconnected from him at the advice of my son. He kept trying to call for the next 15-30 minutes which further made me suspect a scam. I didn't answer his calls and I called the police and was also told to contact FTC.gov. I will file a police report in the morning. I have been double checking the rest of my computer accounts this evening and I don't find anything wrong. Also, I called American Express and there was NO {$15000.00} charge this morning. The statement I was shown was bogus. I'm probably out {$500.00}. I called XXXX and they said not much they could do. The two cards were cashed out five minutes after XXXX had the numbers. Again, fortunately, XXXX never got the numbers of the XXXX cards, {$2000.00} total. I have that much credit now with XXXX which I will find a way to use over a period of time. But still, this whole thing ruined the late afternoon and evening. Very frustrating, and of course I feel like a fool. But, I will help you or the police any way I can. The woman and man were pretty clever and a locked up computer is obviously a big concern and I was desperate to get that problem resolved. Please contact me though, if I can be of help. XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A