Date Received: 2021-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2021 American Express placed a hard inquiry on my XXXX credit file for an account that has not yet been opened. It hasnt been opened because they are requesting banking information. I am a consumer, this is an open end credit plan and these additional requests are misleading, fraudulent and a direct violation of my federally protected consumer rights.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
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: Booked hotel through American express on XX/XX/2021. American express charged {$370.00}. Problem : American express failed to pay vendor resulting in vendor directly billing us, again. contact American express leads to phone tree options and no solution. Representative recommend I dispute with hotel.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: Blueburd american express Eagered to get me off the phone an unwilling to take passwords and last four S.S..
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: I contacted XXXX customer service line to get help on activating my new card. I called them three times and all three times when I was finally transferred to an agent, the line would go silent. I said hello multiples times in each call and received no response. If I dont have the capacity to activate my card and then Im unable to receive help from customer service to help me with my concerns or issues, then this is not a reputable business. The services from this company should not be offered to consumers who are seeking use tools to manage their finances.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Pursuant to complaint XXXX filed on XX/XX/XXXX, I was re-charged an additional {$140.00} again on XX/XX/XXXX. On enquiring why this was charged, the company informed me that this was again due to making my first payment 2 days late. So, American express has charged me {$310.00} interest on a balance of about {$10000.00} for 2 days, effectively an interest rate of 550 % annualized. That is not a typo. This is hypocritical and an obvious violation of all UDAAP rules and company ethics. I would like to request the CFPB commissioner to investigate company practices to ensure American Express is prohibited from using such deceptive practices to actively swindle cardmembers of significant sums.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRES dated XX/XX/2006 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. Amex is trying to collect an alleged debt that was not created by me. I am demanding that they cease all attempts to collect debt from these fraudulent accounts and release all liability from me. I also demand that reporting to the credit bureaus stop and this account be removed from my credit file.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My American Express Blue Cash card was offering a promotion for 8 % back on purchases made by using a special link for to XXXX XXXX website. The offer is good through XX/XX/XXXX On XX/XX/XXXX, I made 5 separate purchases using the link provided by AMEX ( XXXXXXXX ), totaling {$950.00}. A couple weeks later, I checked my account for the accrual of the 8 % in rewards and it had shown that I only earned 1 % instead of the 8 %. I called to advise their CS team that I had not been credited properly. They forwarded the complaint to their tech team which then responded by saying I did not use the correct link and therefore my purchases were not eligible. I didn't think that was true, but let it go at that. However, on XX/XX/XXXX, I decided to try it again with another purchase ( 1 transaction totaling {$490.00} ) and this time I was absolutely meticulous about using the correct promotional link and staying on the website all the way though to checkout and purchase. A couple weeks later I checked my account, and again only earned 1 % instead of 8 %. Another call into CS led to the same response from their tech team, which was that I ( again ) didn't use the correct link and my purchase was ineligible. I explained that this was unacceptable and I was then given contact info to complain to their executive office. Today I was contacted by Ms XXXX from their " XXXX '', who told me the exact same thing, that their tech team investigated and said the " wrong link '' was used. She even mentioned she was familiar with this promotion and that her husband had used it. I pressed her by asking if she would check her husband 's account to see if he actually earned the 8 % in promotional rewards and she responded with a condescending chuckle and said she would not do that. I asked her to check anyone else 's account and she refused. She would not entertain the possibility that there might be a technical glitch that was preventing me from earning the promotion and kept repeating that the tech team investigated and found the promotional link was NOT used. She then said there was nothing that could be done and ended the conversation. I have been an AMEX cardholder for 21 years and my profession lies within the tech industry so I am closely acquainted with how these systems work and how complex they are. I know also when I'm being given the " run-around '' when someone doesn't want to do any digging or true investigative work. I believe there is a systemic problem with the redemption of this promotion and that it is not applying correctly.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I found lots of inquiries that i have no knowledge about it. and a wrong payment status in my report.
Company Response:
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This a continuation of complaint XXXX. As a result of that complaint my interest fees were waved on XX/XX/2021 from months previous to XXXX. While this complaint was being settled, I was charged an additional {$380.00} in interest charges on XX/XX/2021, based off charges that were on my account that was later ruled that it shouldn't be there. I called American Express on three occasions afterward in order to fix this on my account but I never received a call back from anyone. I then paid off my account in full minus about {$300.00} that should've never been on my account due to the previous ruling and was charged {$36.00} on XX/XX/202. I am asking that {$420.00} in interest charges be removed due to that balance only being there due to error from American Express which has already been acknowleged.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A