Date Received: 2021-10-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: American Express is not allowing me to transfer some of my points points to an airline partner. I tried calling and finding out why but they are not providing any information.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a kabbage checking account ( AMEX ) and have only made deposits into it. It pays 1.1 % APY interest. On XX/XX/XXXX was paid 77.23 interest On XX/XX/XXXX deposited XXXX On XX/XX/XXXX was paid 77.11 interest. Normally under these conditions the interest increases. Looks like! ) Fraud in Advertising or 2 ) Messy software or 3 ) Someone is cashing in ... .. ( have you seen the movie office space?
Company Response:
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have been with American Express for over 4 years and this is my 2 time applying for another card and a credit limit increase and I have been denied. This is an unauthorized use of my credit card ( 15 USC 1602 ) American Express used my credit card and I didn't benefit from it on them. American Express can not deny me my own credit because that is a violation of 15 USC 1691a ( 3 ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - ( 3 ) because the applicant has in good faith exercised any right under this chapter. 15 USC 1691b ( 1 ) says It shall not constitute discrimination for purposes of this subchapter for a creditor - ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness. American Express denied my applications due to credit worthiness which is a violation under the Equal Credit Opportunity Act and according to 15 USC 1691g they are civilly liable for the violations the committed.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Previous Complaint # XXXX with CFPB I previously raised the issue of not being able to link my debit card to my account. The company responded and in the response the Serve indicated that they have resolved the problem. Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with non-monetary relief Company 's Response We have completed our research and have attached a copy of our response for your review. DESCRIPTION OF NON-MONETARY RELIEF We removed the restrictions preventing the debit card link. As of today XX/XX/2021 I still can not link the debit card due to this restriction. The representative stated the EXACT same script they gave me initially regarding the problem. Which is to state " you can no longer link a card to your account '', and the notice states to not discuss it with you. Etc. Once again I am reaching account to Serve to see if they can properly fix the problem as this account was NOT the subject of any fraud or other misuse as stated in the previous complaint. Serve you have to do better with your customer service. Beyond poor service, very demeaning representatives and a POOR reflection of the brand that services a certain socio-economic class of people. As I stated in the last message, it appears that the brand does not care to service its core customers properly.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: XXXX XXXX XXXX, AMEX Bluebird ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION- Grand Theft REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/XXXX Your Account is Locked ELDER FINANCIAL ABUSE : FINANCIAL EXPLOITATION XXXX XXXX XXXX XXXX, XXXX XXXX American Female, Card ending in XXXX. Amex Delay Dirty Tricks most common delaying tactics is by avoiding service and hold hostage finance over {$1000.00} ( Elderly Grand Theft Abuse ) THAT HAS NOTHING TO DO WITH disputed {$85.00} XXXX XXXX XXXX FRAUD/SCAM ( XXXX XXXX Files Consumer Fraud Lawsuit Against XXXX XXXX XXXX ) CFPB Complaint filed # XXXX has been file for suspending the account and a legitimate XXXX XXXX XXXX {$85.00} FRAUD transaction. THIS COMPLAINT IS ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION. Since XX/XX/XXXX, I have appeal to XXXX and XXXX, I even call AND MAIL SENT COMPLAINT TO XXXX XXXX NY corporate office- AS OF TODAY ALMOST 10 DAYS LATER-NOTHING! the rude response of " delay '' continues. This is MY MONEY AND I HAVE Medical Bills to take care of as well as prescription. This IS UNDUE HARDSHIP. If the account is suspended and today " LOCK '' - the balance is MORE THAN {$85.00}! So, Bluebird by American Express has garnished the remainder BALANCE amount over {$1000.00} - GRAND THEFT - IN NEVADA THAT'S DOUBLE THE PENALTY FOR CRIMES AGAINST THOSE OVER XXXX OF AGE! I will indeed file a complaint with Nevada Attorney General XXXX XXXX. Nevada values their Older Americans- NOT BLUEBIRD BY AMERICAN EXPRESS aka XXXX aka undercover boss XXXX It DOES NOT TAKE OVER 7 DAYS TO REFUND A PERSON MONEY DUE - if AMEX Bluebird want to keep the {$85.00} until investigation completed -SO BE IT- BUT THE OVER OVER {$1000.00} GRAND THEFT HAS BEEN STOLEN AND NO SIGN OF REFUNDING THE AMOUNT! It just a prepaid debit card - dime a dozen. I had this debit card for at least 8 years plus- RUDE CUSTOMER SERVICE IS NOT A CRIME BUT FALSE ADVERTISEMENT-GRAND THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS A CRIME! Ask Attorney General XXXX XXXX XXXX. See Attachment of delay investigation and DELAY GIVING ME MONEY THAT BELONGS TO ME emails from XXXX XXXX, American Express Executive Assistant XXXX. NO EXCUSE EXCEPT BLUEBIRD BY AMERICAN EXPRESS THINK THEY ( XXXX XXXX XXXX ) ARE ABOVE THE LAW CFPB, Federal Trade Commission, Attorney Generals ( NV, NY ), XXXX and XXXX Fraud Hotline! True Elderly Hate Crimes!
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Just reporting a fraud attempt. Someone tried using my social security number to open two bank accounts. One with : XXXX XXXX XXXX and one with American Express Personal Savings. Both banks have been notified by phone to log the applications under fraud.
Company Response:
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: l am who I am the natural person and consumer and applicant in fact. I have applied on numerous occasions to get credit cards from this institution to use for personal, family and household purposes. I have been violated, disrespected and denied numerous times for various cards when in fact I am the original creditor and I tendered a negotiable instrument and I extended the credit pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This institution has committed federal violations under the equal credit opportunity act, and the fair debt collection practice act. This company also blocked my account to prevent me from using my card and failed to make it open ended.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: PLEASE NOTE : I am a consumer making this statement on my behalf and I am not using any third-party agencies to assist with this matter. I am asserting my rights in accordance to 16 C.F.R. 433.1-2. I, the consumer is in receipt of documentary evidence that on multiple occurrences the company in question has violated my right to privacy and has stolen my personal and private valued consumer data. In accordance to 16 C.F.R. 603.2 ( a-b ( 1 ) ) Identity Thief is ( a ) The term identity theft means a fraud committed or attempted using the identifying information of another person without authority. ( b ) The term identifying information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any ( 1 ) Name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; PLEASE SEE ATTACHED EXHIBITS A : 1/5 & B The unauthorized use of my personal and private valued consumer data has been used by the company, through the use of the postal service to communicate unsolicited credit card offers violating 15 U.S. Code 78j Manipulative and Deceptive Devices, 15 U. S. Code 1692e False and Misleading Representations, 18 U.S. Code 1341 Frauds and swindles, 18 U. S. Code 1028 Fraud and Related Activity in Connection with Identification Documents. PLEASE SEE ATTACHED EXHIBIT A : 2-3/5 The company in question has sent unsolicited deceptive instruments that lack full disclosure and are in violation of 42 CFR 1001.1101 and fails to disclose the calculation of the finance charges and/or annual percentage rates in accordance to 15 U.S. Code 1605 PLEASE SEE ATTACHED EXHIBT A : 4-5/5 I, the consumer did not authorize or consent to my personal and private valued consumer data to be used by the company in question for solicitation or advertisement purposes. I have not given the company in question any written or verbal consents to be contacted. The company in question is in violation of 18 U.S. Code 1028A Aggravated identity theft and 15 U. S. Code 1611 ( 1 ) - Criminal liability for willful and knowing violation by furnishing multiple unsolicited documents. PLEASE SEE ATTACHED EXHIBTS A & B NOTICE : PLEASE CONSTITUE THIS COMPLAINT AS A NOTICE OF INTENT TO SUE WITHOUT RECOURSE U.C.C. 1-308/1-207
Company Response:
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On XX/XX/21 company 's mishandling of my data created locked account & failure to connect me to ANY telephone agent for account closure in fraudulent attempt to generate future inactivity fees to card ending in XXXX.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Complaint is with American Express platinum Card and loan department. On XXXX I reported a fraudulent loan that was taken in my name. AmEx assured me they had my ba Note my USPS mail was forwarded to a different address 3 time by the person who received the loan. To this day I do not have any information in print on this loan. On XX/XX/2020 I was billed {$550.00} for the annual service fee for my Platinum CreditCard. On About the end of XXXX of 2020. My credit cards with AmEx were frozen due to this fraud loan ; and remain frozen. I was unable to use the service for which the annual fee was billed. When I reported the fraud AmEx assured me there was no doubt it was not me who took the loan. I have detailed files regarding USPS complaint regarding my mail theft. However all have detailed personal information. attached is the information that i feel safe sending at this time. The Inspector General Reference number is XXXX and XXXX. AmEX would not Email or Special deliver vie, XXXX or XXXX XXXX or even USPS Registered of which I offered to pay. Also my address in the AmEX system was changed almost daily to cover for the fraud. I was billed for services I did not receive. And the loan was due to their error. The person who did these things only needed my ss # and name to change my information, and receive this loan.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A