Date Received: 2021-09-16
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/XXXX, of 2021, I decided to start an application for the AmEx Gold credit card and went through the application process to apply. On the final page, I received a message stating that I would not be eligible for the advertised bonus on the card : you are not eligible to receive the welcome offer. We have not yet performed a credit check. Would you still like to proceed? I chose to click the Cancel Application option to avoid the credit inquiry, as I would not be eligible for the cards spending bonus. However, at XXXX on the XXXX, I received an email stating that my application had been approved, even though I chose to cancel the application before the final submittal. Soon after this, I engaged with a representative via the chat service on the AmEx website, and they cancelled the card. I had explained I didn't finish the application. I received the email for the cards cancellation at XXXX on XX/XX/2021. That same day on the XXXX, I surprisingly received an email stating that the card was ready to ship. The Amex Gold card arrived on XX/XX/2021. The last status update on XXXX was in early XX/XX/2021, with the balance updated on XX/XX/2021. At this point in time, I realized that it showed up as a closed account on XXXX. My credit score was subsequently negatively impacted by this new account. The card was reported in a closed status to all credit bureaus. The same day, I proceeded to open an investigation with American Express about the issue. The representative who opened it told me it could be 6-8 weeks before they reach a decision, but more than likely it would be closer to two weeks before I heard an update. Today ( XX/XX/2021 ), I called American Express because they had not updated me on the status of the investigation. When I called American Express, I spoke to their customer care center ; but the representative stated they couldn't access all the information. They did, however, note that they saw the status as resolved but and they way it was read it sounded like it was indeed a glitch on American Express 's site. I was transferred to the credit bureau department after. When I spoke to them, they insisted on documentation or notes that there had been resolution to proceed with removal from bureaus. They proceeded to send me back to customer care. I explained my situation again and they saw notes on there that the previous agent made. I was then told they would transfer me to the credit bureau department, but when the woman came back, she said I was being transferred to New Accounts. I hung up and hoped to get another person in Customer Care. I yet again, explained my situation and then I was told they would contact the correct department. Throughout that instance, I learned that I would need to talk to someone from the Fraud department because they thought someone else applied for the credit card. I re-explained the situation to the customer care department, and they confirmed that I still would have to speak with Fraud. I clearly reiterated that this was not a matter of someone else applying for the card and that I truly didn't apply for this credit card. They transferred me to the Credit Bureau department yet again. In my final conversation, I was told that the case was closed on XX/XX/2021. I was then told that it was not an error on American Express 's end. This was a contradiction to what previous representatives that I spoke to told me. They said they were not allowed to remove the account, and this ended my last communication with AmEx on XX/XX/2021.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am a new account holder with the American Express XXXX XXXX. I do not have a preset spending limit. When I applied for this card, I was immediately charged {$690.00} as the annual fee. I am not a frequent traveler so I probably will not reap much in benefits from this card. A couple of days ago, my card was declined during an in person transaction at a retail location, a rather embarrassing moment. I was never contacted by American Express to inform me that my card was on restriction due to a " high balance '' of over {$7500.00}. I have paid more than the minimum amount due in my monthly statement. With that being said, AE representatives informed me upon my call of inquiry to them that my card can not be used until a payment of over {$700.00} is paid. At no time did I ever receive a bill from AE for this high amount of over {$700.00}. In fact the billing has only been a minimum payment of approximately {$55.00}. I called today, XX/XX/21 and spoke to a supervisor. I could hardly hear him or understand him due to his accent. I repeatedly asked him multiple times to speak louder and slower so I could understand him. I am very upset that I have this account with such a high annual fee, but they restrict my spending. This was not disclosed to me when I applied for the account. I respectfully ask for your attention to this matter. My attempts to plea with AE officials have not been successful. In fact, they keep repeating themselves with the same answer to all of my concerns.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
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: We booked a trip through XXXX which was cancelled do to the pandemic. We have an email of cancellation. We never received refund and after repeated calls were told by XXXX verbally, that any trip plan that was cancelled will receive credit to use toward another trip when XXXX border re-opens ( as we were flying out of XXXX ). When the XXXX border finally opened, a few weeks ago our credit was already expired. I contacted XXXX and American Express which we used to purchase trip, and have been given the run around. Please help, Thank you.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The Bluebird company suspended my account for no reason at all.The only thing I was trying to do was to add cash to the card via my XXXX XXXX bank account. And then later I got a email says that I am permanently suspended.My Bluebird account has XXXX $ in the account now its frozen for me.
Company Response:
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had checked my credit report on XX/XX/XXXX and saw an unfamiliar credit card on my record. It stated it was an Amex card ( number starting with XXXX... ) It was opened in XX/XX/XXXX. The current amount balance is {$29000.00}. At one point that highest balance was {$72000.00}. After calling American Express, I learned that it is a personal credit card and I am listed as an authorized card user and not the main card holder. They had at least added my name and social security info. I had call 3 credit bureaus on XX/XX/XXXX ( XXXX, XXXX, XXXX ) and they will be investigating this issue. In the mean time, I had the credit bureaus put a credit alert and credit freeze moving forward. I had spoken to Amex again on XX/XX/XXXX and will said they will be investigating this issue as well and will see if they can remove me on this account. I'm just afraid that whoever is using my information will try to do damage on my identity and credit. Amex was unwilling to share the information of the main card holder.
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: American violated my Federally Protected consumer rights. American Express also committed identity theft and 9 other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692c ( 2 ) ( A ) 15 USC 16 92e ( 10 )
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: An account was open with AMEX that was closed due to non payment. It ended up being sent to collections, where it was paid in full. AMEX found some sort of error in the amount collected which was under {$1.00}, and reported that balance as a new debt on my credit report. I disputed this charge on the credit report, at which point the wrote it off, bit never correct reporting to agencies, still showing the balance as paid off as of the date they fixed their error, not as of the date the balance had been paid in full. I have no other way to continue to review this with AMEX, I'm just referred back to the credit dispute process, which is refusing to process another dispute.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hi my name is XXXX XXXX and im submitting this complaint myself. There is no third party involved. I do not consent to this organization marking this complaint as a duplicate. I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file. Also take notice, Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that American Express has not rebutted the Affidavit I have sent them. I have received a letter after stating that they are looking into my complaint but why waste my time with that letter they should have rebutted the Affidavit. American Express is in violation of 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ). Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have uploaded documents of my 1st Affidavit sent certified mail and received on XX/XX/2021, XXXX Validation and 2nd Affidavit showing proof of what i am saying today.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: Hi my name is XXXX XXXX ( XXXX ) XXXX, and I received a direct deposit of {$10000.00} on my American Express Serve Prepaid card XX/XX/2021 from SBA.Gov Dept of treasury and I was able to access my funds that day only withdrawal {$750.00} from atm and transferred {$1000.00} to my card secondary savings account. Come XX/XX/2021 I tried to access my card via web at first it said temporarily closed, so then I called customer serve number on the back of the card XXXX spoke with a lady she act like she could not give me any info, so then she transferred me to a guy he said it seems I violated their card policy but could not tell me what the violation was!? So we got disconnected I called another number my mom found on XXXX got ahold of a rep explained issue and they put me back through the line to the number I called above, however this time a lady listened to me but told me it was nothing she could do on her end with, y account being closed, however I could write their corporate office and get my situation resolved in 7-10 business days after receipt of letter, asked what to put in the letter she was no help with that, and I told her ma'am how can they hold someone money and not give them access or no real explanation about and I stress that I felt they have scammed me! the lady gave me XXXX XXXX XXXX XXXX, Ga XXXX address to sent a letter. I talked to my mom and she told me to write a letter asking for release of my funds left in the account of {$8200.00} and that my funds was legit from the SBA Dept of Treasury and we included my card aact number, my ID, and all the paperwork from SBA showing proof funds were legit. The letter and all this was set same day XX/XX/2021 and tracking showed they received the letter XX/XX/2021 and now it is XX/XX/2021 and still no response back from the company, and now when I called they have all my access info blocked unless I call from another phone!? Please someone help me retrieve the rest of my funds!! I called SBA about said they was not able to retrieve the funds but encourage me to update my banking info in their system to stop further funds from going to that account and that I did hopefully in time!! ( my address ) : XXXX XXXX XXXX XXXX, Tn XXXX
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: company called Serve sent an AMEX card with bank account and routing number. I did not request this. This kind of marketing or solicitation presents a risk to consumers. It's deceptive and misleading.I still do not know why I received this. No live human is available to answer. i want the account closed. I would attach a copy, but it has account info on it.
Company Response:
State: ID
Zip: 83686
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A