Date Received: 2021-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2021 Contact - Spoke with Amex Bluebird XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ). Bluebird Account closed and I have no way for paying for XXXX XXXX prescription. They hold all the money I have to pay to basic living expense. Amex Bluebird - XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ) stated they will just have to request a check to be sent -That 's another 7-10days with out money for basic living I stated no you should unlock my card and I will withdraw all my funds IMMEDIATELY! The dispute of {$85.00} if FRAUD - NO SERVICE was Render, it part of state Attorney General law sue of XXXX XXXX XXXX FRAUD SCAM. SAME SCAM in Nevada and I reported to Nevada Attorney General XXXX. Attorney General XXXX XXXX announced his office filed a Consumer Fraud Lawsuit against XXXX XXXX XXXX for allegedly making false promises to consumers who purchased a home warranty policy. The lawsuit alleges XXXX XXXX XXXX collected millions from Arizona consumers, but used contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.Then the vendor charges {$85.00} prior to denial by XXXX leaving the homeowner with NO SERVICE RENDER. SCAM. SCAM. SAME SCAM IN NEVADA with XXXX XXXX Plumbing! /the {$85.00} is FRAUD- NO SERVICE RENDER-ADVISE XXXX XXXX XXXX {$85.00} IS FRAUD - NO SERVICE RENDER!
Company Response:
State: NV
Zip: 89506
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
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: To whom it may concern My name is XXXX XXXX XXXX and i would like to file a complaint/claim against XXXX XXXX XXXX i believe that my account was involved in some type of fraudulent or scam activity which took XXXX $ out of my bank account. I also think that XXXX XXXX is behind it and don't want to admit to their error. i had a prepaid bank card that was provided to me from them when i filed my taxes last year everything was fine up until XX/XX/XXXX of 2021 i woke up one morning and check my account and it said a total of XXXX was deducted from my account so the first thing i did was call the bank to see what happened because my card was not lost or stolen and i did not give my card or pin to anyone to use so i was not sure how something like this could have even happened. they advised me they would close out the old card and send me another card even tho i still had access to the card in question and asl they would submit a claim for the amount that was missing from my account. after the claim was put in they sent me an email saying after their investigation of the claim it was denied and said i had authorized the transactions which i did not. so i asked them to send me my billing statements and transactions which they did and it showed about 20 atm withdrawal from two separate locations one location was XXXX XXXX XXXX and the XXXX location where the multiple withdrawals took place was at XXXX XXXX XXXX both location were located in XXXX XXXX which i googled and found out that it was a XXXX XXXX ATM located in a XXXX Pharmacy. After i realized that there must be some type of mistake i filed a police report and also filed another claim with XXXX XXXX explaining to them that my card was not stolen nor lost and i did not use my card at any of those locations that were shown on my billing statements the bank advised me too write a letter to there cooperate office with more detailed information and to send in the police report in which i did. The bank sent me another email stating they were not only going to deny my claim again but they were going to cancel my account with them for filing to many claims. I need help resolving this because i feel i was robbed ive been out of work since covid and my unemployment checks and stimulus checks were all on that card we are now in XXXX and nothing has been done and i feel they are trying to cover up and error they may have made instead accepting fault. Any other bank would have notified me if 20 withdrawals were happing in one day but this bank did not do anything i had to find out the hard way and i have no idea what else i can do. Please if you can look into this because something is not right even if there is a way to check pull records from XXXX XXXX atm transactions to show that my card was not used at the locations in question. i will submit all my information below please follow up with me and help
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for an American Express XXXX rewards card, having been solicited by mail for an offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within 3 months. Before agreeing to the terms and conditions of the card, I explicitly asked the sales representative if I qualified for this promotion, since I have participated in others in the past and want to be sure I will still get my points after reaching the spend target within the first 3 months of opening the card. I was told, over the phone, that I DID qualify for this promotion, and so depending on this assertion by the sales representative, I agreed to sign-up for the card. A few months later, I was told that, under the T & C 's of the card, I DO NOT qualify for the XXXX XXXX XXXX points. AmEx should tighten-up their training of agents and improve their internal reporting tools. If this was not a training or reporting system issue, then their agents are deliberately mis-informing prospects about the qualification for promotions, and this should be sanctioned by the CFPB.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Kabbage checking account on or around XX/XX/21 because of a promotion they offered which promised a {$300.00} bonus after using their debit card for five purchases. I maintained this account in good standing. Sometime around XX/XX/21 I tried to log in to my account online and received a notice that my access had been blocked. When I emailed Kabbage to inquire, they first responded on XX/XX/21 as such : " Hi XXXX, Thank you for reaching out to us. We appreciate your time and effort in letting us know your situation. Please be advised that we closely monitor accounts for unusual activity and due to this, your account has been permanently locked. For the account 's privacy, we do not have further information. Please be reminded that you may no longer spend with your debit card, withdraw funds, or receive and make deposits due to the status of your account. Thanks, XXXX Kabbage Banking Specialist '' Later, on XX/XX/21, they sent this second message, without any prompting from me : " Hello XXXX, Thank you for reaching out to us. We will need you to give us a call in order to properly resolve your issue. Please contact us between XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday at XXXX at your convenience so we can resolve your inquiry. Thank you. XXXX XXXX | Kabbage Customer Service Support '' This morning, XX/XX/21, I called to check my balance and determine next steps to restore my access and was informed by the friendly agent I reached that my account was still blocked and he did not think it could be unblocked. He further suggested I have XXXX get my money from Kabbage, even though he could not tell me what my balance was.
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My American express with XXXX XXXX had a balance of XXXX ... .I was on a payment plan of XXXX a month. In XX/XX/XXXX payments were made... XXXX for XXXX and XXXX for XXXX ... this brought the account to paid off status..in XXXX they still withdrew the XXXX... even tho the account is paid. My understanding is that I should be reimbursed ... ..when I speak to the agents one states I owe XXXX ... ..another said I overpaid by XXXX cents .... it is my understanding that I overpaid my account and I want to be reimbursed
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On or about XX/XX/2021 AMEX Serve was sent {$1400.00} from the 3rd round of stimulus payments on my behalf from the IRS, however no correspondence was ever sent to me directly, thus allowing me to activate the card. It has taken a few months to track down the correct information and several attempts have been made to Serve but the customer service is very subpar compared to the normal customer service that other more prominent AMEX products gleefully enjoy daily. I have filed my trace with the IRS and hope to get resolution with 4 to 6 weeks it that. AMEX does have a fraud department but from my current research there isn't such department for Serve products. The call tree is useless in trying to reach a live person and when I finally did it was mostly foreign accented individuals that eventually disconnected the call or didn't have the correct information or unwilling to offer adequate assistance in resolving my issue. The account information given to me by the IRS was verified with someone at the Utah location and a second phone call was attempted to confirm that if the trace paperwork was received. No confirmation to date had been verified. AMEX must raise the standard for customer to reach a live dedicated team to handle these types of issues with fraud with Serve products especially with the raise in fraud cases and the ease of compromising the information and delivery of a card to taxpayers.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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: I believe Amex is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ). On XX/XX/2021, I opened a billing dispute ( dispute ref # XXXX ) with American Express regarding a merchant that had processed a charge which I did not recognize, nor from whom did I receive merchandise or services from. American Express is now in possession of ample evidence ( which I reattach as exhibits ) that I have returned the item and am entitled to a refund. I have supplied Amex with a XXXX return tracking confirmation, and 2 separate commentaries from the merchant itself that it has received the item, that a refund is due to me, and, most recently, that its records indicate a refund has been issued. This alleged credit by the merchant has not been posted, and should have appeared by this point. In the absence of any evidence that I transacted with this merchant and/or retained the item, or in fact any documentation at all, Amex still refuses to issue a provisional credit for this amount, which, in my view, suggests bias in favor of the merchant during this investigation. There is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A