Date Received: 2021-09-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This bank us horribke Everytime I apply they dont even try to approve me anymore their system hates me I want my delta credit card and I got error message they dont even check the latest copy of my credit report to see if I qualify they use an old report for denial this is ridiculous when my credit had changed over the years but they dont care to see this or get me approved how is this fair Ive tried many times I hate them I give up with this bank
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
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: XX/XX/21. I initiated a {$3000.00} balance transfer from an American Express account to XXXX. The transfer was accidentally initiated using an old Amex Cash Magnet account that had been closed. I have verified with XXXX that they sent {$3000.00} transfer funds to the old Amex account on XX/XX/21. My current Amex account is a Platinum card, which is the one I intended to transfer the balance from. I have called Amex several times, speaking to XXXX XXXX and XXXX, asking to have the {$3000.00} credit moved from the old Cash Magnet card to my current Platinum card. They have identified the issue, but can not tell me why my current Platinum card still does not show the {$3000.00} credit. XX/XX/21 I still being told to allow more time for credit to post. I want this issue resolved, either through a statement credit, or check mailed to me.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Opened an American Express Credit card with an offer to receive {$200.00} statement credit and XXXX XXXX XXXX miles after I spend {$2000.00}. However, after I made the {$2000.00} expenditure I did not receive the bonus. AMX told me I was not eligible because I had a card several years ago and it states that in the terms. However, I told the that I have a XXXX XXXX and relied on their customer service representative who told be I was eligible by then. AMX said they would check the call recording and if that was true they would give me the bonus. However, I never heard back from the. My credit card number is XXXX.
Company Response:
State: NC
Zip: 27518
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: American Express XXXX includes XXXX XXXX. This allows lounge access and is one of the main selling points of this expensive charge card. The only way to enroll in XXXX XXXX is by calling American Express. However American Express customer service consistently has wait times over 30 minutes throughout the work week. Requesting call backs does not work, as i never got called back on separate occasions. It feels as if American Express is gatekeeping one of the main advertised selling points of the product i purchased. How can I receive my purchase without having to go through unreasonable steps to do so?
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I received an American Express credit card for XXXX XXXX, XXXX XXXX at my address. There has never been a person by that name who lives here and the business name is for a closed business in our same town. Am Ex said this is a renewal of a company paid credit card. The prior owner of our home worked for the now defunct business. I want to ensure no one is trying to use my family as fraudulent card holders. I would like to have this possible fraud entered into our files to ensure lenders are aware of this problem. Put notice on the 3 credit Bureaus noting that XXXX XXXX, XXXX XXXX, and XXXX XXXX do not have anything to do with our address
Company Response:
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Back when the pandemic began my XXXX slowed down and I wasn't able to pay my American Express XXXX XXXX and my XXXX card was canceled and reported on my personal credit report as a charged off which tanked my credit. At the time I have accumulated over XXXX points with a cash value of over {$4000.00}. The unpaid debt at the time was {$39000.00}. This debt was sent for collection to a third part debt collector XXXX XXXX XXXX out of North Carolina. I made an agreement that I will make the payment immediately XXXX resumes since we are in a pandemic. The agreement was that I will payoff the whole debt, my account will be reinstated and I can recover the points that were forfeited when the card was canceled. By XXXX of this year I paid off the whole balance and I was informed that my account will be sent for reinstatement. So far I have made several phone calls and follow ups. No one knows what to do with my account or are telling me that I owe them money on a different account that was opened back in XXXX. They are saying I owe them over {$1600.00} on an account that was opened in XXXX. They are saying to reinstate my account I have to settled this account that I have no idea of back in XXXX. Back in XXXX, This same account was resolved with American express. I was not aware of this account at the time and not responsible for any of charges on it. American Express at the time has agreed to remove it from all credit reports and release me of responsibility of the account. It looks like they have not updated their internal records to reflect the release agreement I had with them. This is a violation of the agreement releasing me of responsibility of the account back in XXXX. I am attaching copies of the agreement I had with them back in XXXX. The last 5 digits of the account is XXXX and the reference number to this case is XXXX. In the past, this same case has been used to deny me credit with American Express which I believe is an unfair denial.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Consumer Financial Protection Bureau, What Happened? : I have repeatedly reported American Express to the Consumer Financial Protection Bureau for fraud, harassment, discrimination, predatory revenue creation at my expense, and issuing false statements to the CFPB, and the CFPB has repeatedly closed my complaints and failed to protect me from American Expresss fraud and harassment. American Express et al businesses that I have reported to the CFPB are not allowed to communicate with me, yet the CFPB facilitates such harassment of me. American Express has committed fraud against me as part of American Expresss culture, and American Express has likely committed fraud against other consumers. Now American Express audaciously refers to American Expresss fraud, harassment, discrimination, predatory revenue creation at my expense, and failure to immediately close my account as directed as American Expresss courtesy by crediting any unpaid amount to me in American Expresss predatory revenue creation from me as I have factually reported and closed my account in writing to American Express, the Consumer Financial Protection Bureau, and the Federal Trade Commissions, and American Express chose to ignore while defending American Expresss culture of fraud and ignorance. Per American Express, We are writing to inform you that your account referenced above has had an amount remaining unpaid for several months. For this reason, we have closed the account. As a courtesy we have credited any unpaid amount and the balance is now {$0.00}. If you have any questions about your account please call us at the telephone number on the back of your Card or on your statement. Here American Express continues harassing me and issuing false statements in American Expresss mockery of me, the CFPB, the FTC, and the rules, regulations, and laws to which American Express is bound. I closed the account in writing in XX/XX/2021 and with every CFPB and FTC complaint that I have filed. There never was a balance amount on the account for several months during the span of XXXX 2021 while American Express persisted in fraud and predatory revenue creation at my expense, and American Expresss culture of ignorance has intentionally misused my time as I have repeatedly reported to the CFPB, FTC, et al. In my XX/XX/2021 CFPB report, I directed American Express and the CFPB to charge off the account and file a lawsuit, and American Express failed in that capacity as well, Charge off the account, send the account to collections, file a lawsuit, whatever it takes to stop Amex, et al, failures and harassment of me, so that I may report the predatory revenue creation and harassment of relative persons, collectors, agencies, et al to the Consumer Financial Protection Bureau. XXXX failed in resolving the matter of a paltry {$23.00}, XXXX XXXX failed in resolving the matter of a paltry {$150.00}, and thus American Express intentionally lost my business and caused me exponential mental anguish while I was XXXX XXXX. American Express, best of luck in your continued culture of fraudulent business practices. Consumer Financial Protection Bureau, stop closing my complaints without resolution. What would be a fair resolution to this issue? : Protection from fraud, harassment, retaliation, discrimination, predatory revenue creation, systematic exploitation of my identity, and violation of my Federal Civil Rights. Compensation for damages and exponential XXXX XXXX Prosecution of XXXX, XXXX XXXX, American Express, et al. -- XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I contacted Amex to help enroll me into the XXXX XXXX XXXX. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need Amex to remove the info as agreed.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XXXX I contacted Amex to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need Amex to remove the info as agreed.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/XXXX, XXXX ( they call Monday - Saturday ), I have requested that they stop calling me at my work number, because I am not allowed personal calls. They constantly call using a automated voice. I have requested that they communicate with me via postal mail services.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A