Date Received: 2021-10-03
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: The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment for my XX/XX/2021 bill which was due on XX/XX/2021 on XX/XX/2021. They applied my XXXX payment to the XX/XX/2021 billing cycle, which I had already fulfilled that payment in XXXX. I was charged a late fee because of the of the way they posted my payment. I called and the man explained that I had made it on the last day of the billing cycle and that's why it showed that way and that he would reverse the late fee and he would take care of it. This morning I started getting late payment notices from them. I called again and after not being able to resolve it with the person who answered the phone, asked to speak to a manager. XXXX ( not sure how to spell ) told me that they would NOT change the payment to show that I had paid my XXXX payment AND that I needed to make another payment or they would charge me another late fee and my account would be in arrears. This is unacceptable. No where on the statement does it say that you can not make an early payment. I made my payment early, I have fulfilled my part of the agreement. I would like them to correct my account to show that I have made a payment.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX ( XXXX ) To : you Details XXXX XXXX Case : XXXX This e-mail sent-to : ( XXXX ), You have a pending charge on your account, kindly confirm your login credentials and card security codes to access your account online. Login after the verification process to ensure all your transactions are accurate. Confirm Credentials XXXX XXXX All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. All rights reserved. Copyright 2021 American Express. Privacy Policy Terms & Conditions Support Account Subscribe
Company Response:
State: OK
Zip: 73521
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: They decrease my limit because they say I didnt authorize payment so I had bank send multiple letters and they even was on phone with bank they said they pull my credit but my credit XXXX plus I have a freeze than they went back and call back and said could they pull I have been getting the run around multiple times and they have no just I am a buisness customer which this has cost my buisness tremendously.
Company Response:
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ( SSN # ), ( Lawsuit Presented into the courthouse against XXXX XXXX. XXXX XXXX on XX/XX/XXXX ) Please do not reply this automated notice, you are requested to reply at - XXXX This email is in reference to notify you that ________ has been blacklisted ; defaulter 's social security number and banking accounts are under investigation through major credit bureau XXXX. Defaulter would be receiving the court papers at mailing USA within the next seven business days once we a file lawsuit against you as the person has failed to pay off the debt as per the agreement, therefore this case has been presented for lawsuit into the courthouse after several attempts to resolve this case with defaulter without any courthouse interference. Note : Defaulter was offered several chances to take care of this debt but ____________ committed false commitments with the company during resolution procedure and attempted fraud continuously, therefore we have decided to finally present this case for lawsuit into the courthouse on XX/XX/XXXX. One copy of this lawsuit will be forwarded to the major credit bureaus in order to seize all mortgage and banking assets in order to collect the total outstanding balance of {$1000.00} and lawsuit charges along with courthouse and attorney fees as mentioned below : Filed Lawsuit Charges Summary : Total Outstanding Balance : {$1000.00} Courthouse and Attorney Fees : {$680.00} Lawsuit Amount : {$12000.00} Major Credit Bureaus File Processing Fees : {$480.00} Legal Stamp Charges : {$280.00} Agreement Breached Charges : {$170.00} Financial Institution & Bad Debt Banking Charges : {$160.00} Defaulters Record : First Name : Last Name : Phone : Address : Requested Loan Amount : {$500.00} Approved Loan Amount : {$300.00} Creditor : American Credit Express Case Information : Initial Loan Disbursement Amount : {$300.00} Case No : XXXX - XXXX Settlement Amount : {$290.00} Total Outstanding Balance : {$1000.00} Legal Notice Issued On : XX/XX/XXXX Final Lawsuit Filed On : XX/XX/XXXX Charges against FDCPA ACT - 811 ( 15 USC1692I ) Case Type - Fraudulent Act ( FC/SC ) Lawsuit Under Consumer Fraudulent Activity Immediate Effect Seizure of all Banking Accounts & SSN According to our records you have not settled a debt with us, you have 24 hours from the date of this letter to submit payment and/or evidence that your debt is paid in full, otherwise the civil division will automatically refer your debt to the department of the treasury for collection of amount ( {$3100.00} ), to a credit service bureau and possible to the Internal Revenue Service ( IRS ) for tax refunds offset . A fee of up to 28 percent of the debt may be added to the outstanding balance in addition. There may be interest on the unpaid balance that will be assessed yearly. The interest rate is determined by the U.S DEPARTMENT OF TREASURY ( U.S TREASURY ). Interest and penalty charges may continue to accrue until your debt is paid in full. You may enter into an acceptable written payment agreement, refer to the enclosed for details. Once your debt is submitted to the IRS, the U.S treasury will reduce or withhold any of your eligible federal payments by the amount of your debt. The process known as offset, is authorized by the debt collection ACT of 1982 and the debt collection improvement ACT of 1966. U.S treasury is not required to send you notice before your payment is offset. Federal payment eligible for offset include your income tax refunds : your salary pay, including military pay ; your federal retirement including military pay ; your contractor/vendor payments ; certain federal benefit payment ; including certain loans to you, that are not exempt from offset. If you make or provide any knowingly false or frivolous statement, representations or evidence, you may be liable for penalties under the false claims ACT ( 31 U.S.C. paragraph 3729-3731 ) or other application statutes, and/or criminal penalties under 18 U.S.C. paragraph 286, 287, 1001 and 1002 or other applicable statutes. One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. NOTE : Kindly present all of your documents into United States District Court ( Address : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, United States ) on the courthouse date which will be delivered to you as we have already filed a lawsuit into the courthouse on XX/XX/XXXX. COURTHOUSE : United States District Court ( Address : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, United States ) Your courthouse reference case number is # XXXX which is under the hand of courthouse attorney XXXX XXXX XXXX. This case was filed under fraudulent section ( C ) chapter 19 into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of the courthouse. Important Note : ______________ is no longer eligible to apply for any credit or loan through any lender in the United States. Kindly make sure to have all necessary documents into the courthouse on the courthouse date which will be delivered to you through the courthouse within two to seven business days. Kindly email us immediately if you still want to hold this account by paying off your settlement amount of {$290.00} on XX/XX/XXXX else be presented into the courthouse as stated this case has been filed for lawsuit into the courthouse on XX/XX/XXXX in order to collect the total sum due {$1000.00} along with lawsuit {$12000.00} and applicable attorney fees. We believe that this was not your intent and that these steps are unnecessary. We sincerely request you to reply us through the email to resolve this matter quickly or call us at XXXX XXXX XXXX XXXX. ( This is a written communication electronic acknowledgement from American Express Inc. and is solely intended for only XXXX XXXX. XXXX XXXX ) American Express Inc. Legal Department Phone : XXXX XXXX XXXX XXXX Email : XXXX Email : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.
Company Response:
State: MD
Zip: 21771
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I received two emails from American Express. One telling me that my card was on its way and the second to thank me for speaking to them. I had not requested a card nor had I spoken to them. Given that Ive been a member of American Express since 1980 with fairly consistent contact information, it was very unsettling to receive this. Considering that the fraudster had ordered the card be sent to a motel in XXXX, CA. I have always lived on the XXXX XXXX and have no connection whatsoever to XXXX, CA or its environs. I immediately called American Express to notify them of this fraudulent act. Given that my card was now no longer active, I had make arrangements to receive a new card. On XX/XX/XXXX the fraudulently attained American Express card was received in XXXX, CA, however inactive. That same day the fraudster was able to request a second card. This time a residence at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. As a result, my replacement card arrived also invalidated. On or about XX/XX/XXXX I contacted the US Post Office Inspector Generals to see if a change of address has been submitted. It had indeed been changed. My understanding is that my home address has been changed to the above referenced XXXX, CA address. A case file was opened. Spending countless hours with all parties involved had me spend 10s of hours in chasing this problem. On XX/XX/XXXX I placed l a fraud alert on my accounts. Credit freezes at each of three credit bureaus was also added. Given the second request for an American Express card, I was beside myself as to how lax they could possibly be. Particularly considering my 41 year account. My new new American Express card was received XX/XX/XXXX. They made it particularly difficult to activate. I had to prove my identity through intellicheck. The nightmare with American Express seemed to be over. Later in the day I received an email at about XXXX est that American Express was shipping yet another card to the thief. This time to a XXXX XXXX in XXXX, CA. This was truly astonishing. All last week I had been told by American Express that my account was on a very high alert. Dont you worry Mr. XXXX , was echoed about. As a result, I once again had to call American Express, as I did immediately after getting this last email. As now online, the new card number supplanted mine in the upper right hand corner of the Amex website. After more hours on the phone with American Express the newly requested card was now made invalid. I had suffered great angst, have had little sleep in two weeks, not to mention the roughly 14 hours spent on the phone with American Express. Thereafter all I simply wanted to know was how this person could do this, despite my account being on high alert. I later found out, that despite all the queries needing to go through the fraud department, the new card was somehow issued through customer service. Even though I had just received my new card and had to created a new online presence, that very day. At this point I had spent about 9 hours on the phone with American Express. Much of it to authenticate my identity. Yet the fraudster was able to get through without much trouble. In calling on the XXXX to report this third card that Amex sent I had to go through two more intellicheck so to confirm my identity. Curiously in speaking to one of the many fraud department personnel, one woman was now telling me that my phone number didnt match the account. A number that Ive had since the XXXX. Her gross beligerante led to her putting me on hold for what could not had amounted to 2 minutes. She came back to tell me that she had just spoken to the true owner of the card and she was going to terminate the conversation. I had never felt so outraged in my life. Particularly considering that this now third fraudulent card had been ordered, without even an XXXX. I ended that day with three XXXX. I of course called back. When asked what the fraudster used to confirm my identity I received no concrete answer. The answer was wholly unsatisfying. Remember that my account had been on High Alert for over a week at this point. This third call dropped. I calIed back yet again and spoke to XXXX ( I believe ). He proved to at least understand the situation at hand. We proceeded with my third XXXX of the day. In addition to my file, I apprised him of the happenings in the timeline. At this point I did not request a new card, as I no longer had confidence in anything American Express, least of which was their astoundingly lax security. Even though my information over the last 41 years had been relatively consistent. In the end, I was told that I would be contacted by them, in addition to escalating a complaint on the person who was duped, believing the fraudster instead of me. On Wednesday morning I had reluctantly decided to close my account and have all Of my information removed from American Express. Another grueling 90 or so minutes to accomplish that. I was assured that my account was closed and that it could not be re-activated. Also that new account could not be opened, given that I have a fraud alert and credit freeze with the three credit reporting bureaus. I received an email confirming the cancellation of my account. I confirmed it on their website by logging into my account. Due to XXXX XXXX disastrous handling of my account of 41 years, I checked my account again. It looked as if my account was re-activated somehow. I had no choice but call American Express once again. I was told that my account had not been cancelled. This representative was in able of explaining how that could be, after having received a confirmation email that it was closed. Another marathon phone call to once again cancel my account for good. I received my now second notice of cancellation. Upset, crazed, incredulous, but I was once again reassured that my account s closed. At about XXXX XXXX another card was shipped out, albeit to my hoe address. I proceeded to once again call the fraud department at Amex. 45 minutes later I was told that shortly after closing my account for good the first time, on Wednesday XX/XX/XXXX, she me one had gotten through American Express super high alert security and reconstituted my account. The card its on its way to my XXXX address, despite American Express having the mailing address where I actually am right now. Remember, they had sent me two cards here already. Given that the criminal in question filled out a change of address form in California, he must be assuming that this card will be redirected to him. Another rather unsatisfying 50 minute phone call to American Express fraud department resulted in no resolution, rather I was told of a few more days to investigate this now two week old problem. A problem that has affected my health and stolen at least 15 hours of my life dealing with this grossly incompetent company that has provided the opposite of what they claim to be about.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Called American Express to downgrade my XXXX car to a Gold card. The XXXX has a {$550.00} annual fee that was no longer realistic for me to pay with my limited travel due to COVID-19. The Gold card which has a lower annual fee and rewards that fit my current lifestyle seemed better. I had recently completed the Financial Relief Program- and was told I'd be able to make changes to my account. I began the program in XX/XX/XXXX and completed early in XX/XX/XXXX. They initially said ( on XX/XX/XXXX ) that since I had completed the program on XXXX it would take a few days to remove the hold that I was on the program. They said a downgrade would be possible but sometimes may not happen until the 1 year from when I started the program. I was told to call back in order to downgrade the account once they try to remove the hold. I called back on XX/XX/XXXX and was on the phone for 40 minutes while they went back and forth on the hold being removed. They then said the hold would be for 1 year after I completed the program in XXXX, and that I wouldn't be able to downgrade my account until then. I talked with someone on customer services and they said that they'd be able to manually remove the hold on their end. I then talked with XXXX XXXX who confirmed the hold had been removed and that I'd be able to downgrade my account. XXXX gave me a call back number, which turned out to be an American Express number that was no longer in service, and told me to call back within 48hrs to downgrade because the hold should then be removed. I called that number the following week on XX/XX/XXXX and it was not a valid phone number. I called the number back and received no answer. I then called American Express support again and got transferred to the XXXX XXXX ( ID XXXX ) who told me they actually would not be able to the hold removed and would have to wait 1 year from completion with the program to downgrade. I was then transferred to XXXX ( ID XXXX ) who told me that he'd have to talk to his manager and would open a case investigation to review the recordings on the phone. I asked to speak to the manager and was denied. He said that if in investigating it's an error or mistake on their part they know 100 % that they will be able to downgrade. I received a call from XXXX the following day ( mind I was in meetings and did not have time for a 1 hour call ). He said that they found that I had been notified about the hold - and even though XXXX said I'd be able to downgrade the following week - that because I was notified that it wasn't a mistake. I had to hang up and was told that XXXX 's manager would be giving me a call back within 2-3 days. That call was 1.5 hours long. I received a call on XX/XX/XXXX and told them I as busy and could not bear a long call. XXXX said his manager would give me a call back on that Friday/Saturday ( XX/XX/XXXX - XX/XX/XXXX ) and that I would be able to find a resolution and discuss the recordings. I asked for copies of the recordings I had in order to show where XXXX gave me a phone number and never received those, after being told I'd be able to get them. A week passes and I call back because I haven't gotten a call. This call is on XXXX. This call is an hour. During this call I am told that after 1 year from when I entered the financial relief program that I will actually be able to downgrade. Note this is very different from what I've been told last phone call. I asked for written proof as I had been told multiple things with their policy. They told me they wouldn't be able to provide me with proof and these terms were not on any letters I received from American Express in XXXX and at completion of program nor in the terms & conditions of the financial relief program online. I told them if they wouldn't be able to confirm being able to downgrading in XX/XX/XXXX and receiving prorate credits for the XXXX fee and a prorated Gold fee ( which they told me is what would happen if I downgraded after I paid the fee ) I would be closing my account which they kept ignoring and unwanting to do. They told me that they actually had told me that information regarding the downgrading in the original letter sent in XXXX, there's no electronic copy and can not resend that letter. They said there is no reasoning for this. XXXX ( ID XXXX ) told me that a supervisor call back request was made and that supervisor should give me a call within 24hrs to solve. Felt as if they were wanting me to keep being strung along in order to get charged the {$550.00} fee in XXXX for annual fee and then be told in XXXX that they wouldn't be able to prorate and downgrade and would have to wait until XXXX, just so I'd be bound to paying {$550.00} fee and have to be stuck with XXXX again.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries on my report from Amex XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX Auto Finance XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
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: AMEX XXXX I have requested mediation per the cardholder agreement. Not mediation through one of their customer service reps or one of their lawyers who have no interest in their cardholders. A third neutral party. I had a simple request, don't charge me for my own XXXX assault, AMEX did anyway. These 'businesses '' are running XXXX trafficking, drugs, and fraudulent receipts like it's just easy money because it is. If it were not for law enforcement and the ability through the CFPB to put this into writing, consumers would have ZERO protection. This company charged me money for a XXXX XXXX on their card, and they're fine with that. No problem. I have said I am filing assault charges with the police. That isn't a threat, it's my legal right. It hasn't happened yet, only because I'm in XXXX and this happened two years ago in XXXX. And now because this company demanded six thousands dollars in payment for a XXXX, I have to but my own ticket back to Texas to start this misery all over again. Too many consumers are getting financially destroyed from activity in these places that is flat out AGAINST THE LAW. And they are sending XXXX trafficked victims outside these places to drug men, to fraud the cards, and then demand money by force if they don't hit their quota. We just wanted to move on with our lives and not be ripped off or have our lives destroyed. But this company has humiliated someone beyond what is acceptable even in a company existing for profit. They made my family pay for my own XXXX assult. That's the final straw. It's disgusting I should even have to assert this. I want a third party mediator before I get on a plane and go the cops. I want to talk to a third party. I want to resolve this before it goes to law enforcement, but I don't want to talk to anyone working directly for AMEX. It's a waste of time.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Early in 2020 American Express charged my account for a XXXX car rental where my card was not used and not on record with XXXX. The contract rental was on a Visa. I requested more than once that AMEX explain how that charge was allowed and informed them of the Visa used. No meaningful response or explanation to date has been provided as to how this came to be. American Express informed in XXXX the charge was not fraudulent. My view remains that the merchant 's attempt to collect from American Express was fraudulent given they did not have a record of my card nor my card used ( a Visa was ). On that basis I request the American Express also provides a copy of the original rental agreement that supports the charges they apply to my card/ account.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A