Date Received: 2021-09-28
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed a hard inquiry on my consumer credit report dated XX/XX/2019 from American Express. American Express did not have permission to obtain information from my personal consumer credit report. Originally, American Express denied accessing my consumer credit report. After providing a copy of my XXXX consumer credit report reflecting the American Express hard inquiry, their position changed. American Express claimed I had consented to them pulling my personal consumer credit report. American Express has provided conflicting information. I am requesting documentary evidence regarding this hard inquiry.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
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: need to get c r for XXXX did not rec the card for which i was chg a fee
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I submitted a closure of my American Express account after 23 years of ON TIME PAYMENT and tens of thousands of dollars of consumer credit utilized and paid. They confirmed they would close the account as the balance was {$0.00}. Approximately 2 months later a vendor charged against the account number. American Express had NOT closed the account and allowed the charge to be processed by the vendor. I received a Statement from American Express listing the charge and a " Late Fee '' for not having paid the bill. I contacted American Express and escalated the case with Customer Support management. It was then that I was told that " In the customer terms and conditions it stated that American Express would allow a vendor to charge against the account if received within 60 days from account closure. This is outrageous and buried deep within the 20+ pages of XXXX XXXX XXXX XXXX XXXX. They agreed to remove the late fees and said that they would close the account and I have copies of online chat communications with American Express customer support and a VOICEMAIL from Amex stating they were closing the account. I recently received a NEW BILL from American Express where they had NOT CLOSED THE ACCOUNT AGAIN and have accepted a low value charge from a vendor that they have now accrued over {$100.00} in late fees against my account and I AM FIGHTING THEIR INJUSTICE. I am calling them again today notifying them of my filing a complaint with this Bureau a my State Attorney General 's office to fight American Express ' predatory lending practices by NOT CLOSING ACCOUNTS IN A TIMELY MANNER and accepting charges from vendors against accounts closed by Consumers.
Company Response:
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened the account in XXXX. The welcome bonus associated with the account is XXXX membership rewards points after spending {$5000.00} within 6 months of the account opening date. I have met this spending requirement in XXXX, but haven't received the points so far. As such, I've filed two complaints on CFPB regarding this issue. In the responses from American Express, they mentioned they would issue the points/rectify my account as they fix an internal issue, which is the reason behind the delay. They also confirmed that I've met the spending requirement. However, I learned from an online representative today that the spending requirement was not met, and the majority of my spending was considered unqualified. This is shocking, and is against the info provided in the responses from the company.
Company Response:
State: OH
Zip: 43214
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
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: American Express customer service is beyond horrendous, the way they constantly talk over you and ignore every word coming out of their customers mouth that I have to go to the CFPB for this concern is ridiculous! On XX/XX/XXXX after reporting the incident to the CFPB they sent me a letter stating they would finally actually look at the evidence I kept re-sending them to see I was right in the dispute and would " issue my permanent credit for {$200.00} '' for the dispute. I kept waiting nothing! I know I didn't get the credit because I let the balance for the amount roll over awaiting for it to be credited back yet nothing! I checked numerous times through the chat to keep being told on my statement end date XX/XX/XXXX it would be issued ( I have the screenshots for the numerous times as well ). XX/XX/XXXX reached and nothing! I called today XX/XX/XXXX and all I got was a rep who hung up on me and didn't call back. Called again XXXX XX/XX/XXXX requesting a supervisor since I was hung up on to get a rude man who talked over me the whole time and wouldn't listen to a word I was stating. I want my permanent credit and honestly the dispute process with this ridiculous company makes me want to close all 5 of my cards out, including my business cards!
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX, American Express received my request for debt validation. All they did was send me a cardholder agreement, not a valid contract. Attached below is a copy of that cardholder agreement. Pursuant to 16 CFR 433.1, 433.2 & 433.3 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The Cardholder agreement failed to disclose this, therefore, this was an unfair and deceptive act on behalf of American Express. Also pursuant to 18 USC 894, ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. American Express has been in violation of using extortionate means through harassment and false impersonation of a lawyer/attorney which is also a violation of the Fair Debt Collection Practices Act, 15 USC 1692e .
Company Response:
State: TX
Zip: 76092
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a XXXX old American Express card holder. on XX/XX/2021 I received an email and mail notifying that I was pre- approved for a Hilton Honor Amex Card at 0 % for 18 months. I open the Credit card the promotion was given to me. I just received my second statament this month and they started charging interest. I called several times and the representative hang up on me one time. In the second time she told me that the never guarantee interest rate. Amex is misleading and targeting XXXX customers like me. This is unacceptable.
Company Response:
State: CA
Zip: 95032
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
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: The Company is in violation of the Fair Credit Billing Act, in taking actions with respect to a closed dispute that I never requested. I never contacted the Company to request a withdrawal of the dispute and a rebill of the transaction. Further, by the Companys own assertion to the CFPB, I was able to consider this matter closed by XX/XX/2021. In the absence of any countervailing communication on this point, the CFPB and I should be able to hold them to this statement.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened my new American Express Platinum card on XX/XX/2021 with a special offer they had on their website through XXXX. The terms were : spend {$5000.00} or more within 6 months and receive XXXX bonus points, 20 % back on restaurant purchases within the first 12 months up to {$300.00} back, and earn 10 points per {$1.00} spent on all grocery and gas purchases. I have spent over {$10000.00} on the card, much more than the minimum of {$5000.00} required and have not received my XXXX welcome bonus on any recent statements. I have also spent over {$1000.00} on grocery and gas and have not received the 10 points per {$1.00} bonus, and I have spent over {$1000.00} on restaurant purchases and have not received any of the 20 % back credits listed in the offer. I have reached out to American Express chat and technical support about a dozen times and have not received any of the 3 bonus terms mentioned. They all say we're working on it, we're sorry for the inconvenience, and that they're experiencing technical problems. Meanwhile, they refuse to offer me my XXXX welcome bonus, my 20 % statement credits, or my 10 bonus points per {$1.00} spent.
Company Response:
State: TN
Zip: 37601
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A