Date Received: 2021-10-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of :
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft AMEX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft JXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry:XXXX This is not mine.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX all funds were removed from the account and XXXX ( XXXX XXXX XXXX ) were instructed by recorded phone call that they were to close the account effective XX/XX/XXXX. On XX/XX/XXXX unsolicited email was received from XXXX stating that additional information was required to review my application for a XXXX Checking Account. That same day I responded to this correspondence stating : " Close this account as previously requested. '' On XX/XX/XXXX I received a phone call from XXXX. They stated that during the 10 days my account had a positive balance that it had earned {$1.00} in interest. This interest was added on XX/XX/XXXX, fifteen days after the account was to be closed. I was told that I would need to remove the funds from the account ( again ) before it can be closed. That same day I once again removed all funds in the account. On XX/XX/XXXX I received another unsolicited email from XXXX. This email stated : " We need additional information to review your XXXX XXXX request. ". At no time have I ever made any request to XXXX for any type of funding product or service. On the same day I advised XXXX that we did no longer have a transactional relationship and that they were in violation of the CAN-SPAM Act of XXXX for sending unsolicited emails without the ability to unsubscribe. On XX/XX/XXXX XXXX responded to my email stating that they would unsubscribe me from marketing emails, but that as I still had an account with them they were unable to stop transactional emails. I advised XXXX that twice now I have closed this account. They responded by stating that there was now {$2.00} in the account, which appears that they reversed my transfer request of {$1.00} made on XX/XX/XXXX on XX/XX/XXXX. It appears they have now XXXX my ability to remove funds from the account using the bank account that was used to fund the account. Not only did they reverse the transaction, they also added an additional {$1.00} to the account, despite the account have no funds in it for over a month. I have reason to believe that XXXX is refusing to close this account in an attempt to artificially increase their customer numbers with the goal of defrauding investors. As such, I have filed this complaint with the CFPB and will be filing a complaint with the SEC as well.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My rights have been violated! On XX/XX/21 I applied for an American Express Gold Card and was subsequently denied. None of their reasons for my denial supersede Federal Law, as I was exercising my right according to 12 CFR 1002.1 ( b ) and 15 USC 1691 ( a ) ( 3 ). They took my application which became a negotiable instrument, due to the authentication feature of my social security number, and never returned it. My belief is that they have sold and transferred my negotiable instrument without my authorization. This is unfair and inequitable to me as the natural person and consumer.
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
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 XX/XX/XXXX in the amount of {$1100.00} on my American Express credit card I disputed the amount as the merchant didnt delivered the service. They closed my case on XX/XX/XXXX without any update to me. What I found about the merchant that they are a scam once they receive your information and charge they stop responding to you and try to manipulate cases Via XXXX to win.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .AMEX bal. {$4600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2021, I attempted to transfer 61,000 American Express Membership RewardXXXX points from my Amex account to my XXXX XXXX account. When I clicked the " transfer '' button, the transfer was executed twice, so 122,000 points were deducted from my account instead of 61,000 points. I immediately called American Express to note this discrepancy and asked for the transfer to be reversed. The first customer representative I spoke to told me that I had requested two separate transfers, and that transfers could not be reversed. I emphasized that I had not requested two different transfers and asked to escalate the issue. I spoke to a manager, XXXX, who also reiterated that the transaction could not be reversed, and said " that is a bummer '' when I described the issue to her. She then began to ask me about other transactions on other cards, and said that she could not add additional points beyond 10,000 points, which I rejected as insufficient restitution. She told me that she would open case XXXX within American Express 's investigation department, and that the investigation would take 6-8 weeks to resolve.
Company Response:
State: NY
Zip: 12208
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are inquiries from American Express and XXXX XXXX and XXXX XXXX on my XXXX Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my XXXX credit report XX/XX/2021 with American Express is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. **There was a line of credit opened which I had immediately closed. XX/XX/2021 A XXXX XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On XX/XX/21 Bluebird AMEX prepaid card mishandled my data for card ending in XXXX. This is not a duplicate complaint as they refused to open and close a different card. Close account immediately.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express has cancelled XXXX of my credit cards. I have received a letter from American Express stating the reason for the cancellation. The reason as stated in that letter " using abusive language over the phone ''. Basically, American Express is stating that I have used abusive language over the phone. Let me remind American Express that it takes two hands to clap. I don't recall which particular phone conversation Amex is referring to here. When I called American Express executive office, the smart lady asked me to hire an attorney to get a subpoena from the court to get a copy of the call recording. American Express knows from my spending habits that I am financially not in a position to hire an attorney to sue Amex. If I was a customer spending millions and millions of dollars on Amex Cards every month, Amex wouldn't even have taken this step because they would know they would get their XXXX sued pretty bad. But because Amex is aware that I won't be able to sue them, they took such an unethical step. Before you point your finger on other people 's house, fix up your own house first. In order to cut business costs, Amex hires cheap labor from XXXX countries which affects customers in countries like USA. The call center operators located in XXXX are not understandable on the phone at most times, it is hard to understand them and they have difficulty in understanding me, because of the language barrier. As a customer I don't expect to deal with this language barrier XXXX over the phone. ( whoever is reading this, in case you are also from XXXX, just so you know XXXX stands for XXXX ) There have also been instances where call center operators from XXXX have made me wait for over an hour on the phone to let me speak to a manager but even then, the call was never transferred. If I then use any abusive language to that operator, that would be justified because essentially you ( Amex ) asked me to use it. When I called the following day the same operator picked up the call and I hung up on him... so did that operator get fired!? No! the operator didn't get fired, because Amex knows in doing so, the operator would sue them. There has been instance when I was overseas and an Amex operator even told me to fly back to USA in order to receive my cash back reward dollars through a physical check, as in I would have to physically fly to USA to receive the $ XXXX cash back reward check. In response to that if I use abusive language, you ( Amex ) essentially asked for it. This is a cumulative effect, that's why I dont prefer to speak to operators, that's why I ask for managers directly. If call goes to a XXXX call center I ask them to transfer me to an American call center. There is valid reason why I do this because I am sick and tired of the XXXX from the Amex Phone operators especially those from XXXX and those who try to act smart unnecessarily. Whenever I ask for a manager on the call, Amex call center operators doesn't let me speak to a manager. Let me teach you some basics of customer service. I DO NOT NEED TO INFORM YOU WHY I WANT TO SPEAK TO A MANAGER. You can absolutely ask me why but I am not obligated to answer your " why '', in that case you should simply transfer the call to a manager .... but instead of transferring the call to a manager if you decide to play it smart with me, then of course you would appropriately get it back from me. If I use abusive language in this situation, you ( Amex ) essentially asked for it. I am not a crazy man, I don't make the call to your call centers and start abusing people right off the bat. I always believe in treating people " the way they deserve. '' Let me tell you something very frankly, this can occur again, yes it absolutely can! If you would have done or would do anything like I have mentioned above, I think it would be crucially necessary and appropriate for anyone to use strong language to shut you up over the phone. On so many occasions recently, Amex " managers '' from their XXXX call center who can not communicate in XXXX properly, have failed to resolve the enquiry because of language barriers. This happened numerous times in the last 3 months. I can not remember the name of that manager but I know I tried to lodge a complaint when I was told their notes state something else from what actually happened in the call. So these manages from XXXX are also crooked, they make all kinds of sketchy notes that doesn't match with what happened in the call. Did that manager get fired!? I doubt, because following that call every single operator and XXXX tried to avoid the complaint, as in every single crook has each other 's back in those call centers. Since the time I have recieved my first Amex card years ago, I have made all payments well ahead of time. Possibly that could be an internal reason why Amex cancelled all my cards because Amex is not making any money in interest payments. Using abusive language with a call center operator is not a justified reason to cancel all my cards. The card cancellation reason Amex has stated is not " proportionate '' to the actions they have taken. Canceling all my XXXX cards would have a major negative impact on my credit rating ... ... and comparing the tangible effect of that impact, with just abusive language, it is not proportionate and doesn't match and doesn't justify. It is quite obvious Amex is XXXX, whoever in Amex has taken this action he or she is a complete XXXX and suffering from some serious ego problems. That person didn't have the XXXX to call me and talk to me... but instead, like a true XXXX quietly cancelled my cards from the comfort of their call center and then sent a letter by mail. This is nothing but a reflection of XXXX.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A