Date Received: 2021-09-16
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received a letter from an Attorney on behalf of American Express. That is clearly a violation of 15 USC 1692e ( 3 ). A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. This is just going to far and American Express is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also American Express statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. Also American Express keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer. Pursuant to 15 USC 1611 & 15 USC 1640, American Express has civil liabilities and can be held criminally liable. American Express has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX XXXX.
Company Response:
State: TX
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: 2021-09-15
Issue: Problem adding money
Subissue:
Consumer Complaint: I was trying to add money to my bluebird account and when I did it too much.They probably were suspecting me of fraud so they suspended me permanently and they did not provide me a reason why.I have over XXXX $ in that account and now I cant use it
Company Response:
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: AMEX XXXX I don't think there is anything in your terms and conditions covering whether I'm liable for charges related to a XXXX XXXX XXXX? That's YOUR problem. That's your merchant. And you have made that our problem for over two years,
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had originally signed up for an American Express XXXX card. Because of the pandemic, I downgraded my card to an American Express XXXX card. I am charged annually for both cards. One of the reasons I obtain the American Express credit card is so that I will not be charged a foreign transaction fee. There are many credit card consultants touting the benefits of having no foreign transaction fee as an outstanding feature of American Express credit cards, including the Amex XXXX card I have. Here is a link to one such expert published on XX/XX/2021 : https : XXXX When I downgraded my card from XXXX to XXXX, I was not informed that I would lose the XXXX foreign transaction fee privilege. My understanding was that such privilege would continue. However, four days ago, I found out that I was charged {$730.00} by American Express in foreign transaction fees. Thus, I was misled by the American Express company to believe that I had retained the XXXX foreign transaction fee benefit by downgrading XXXX to XXXX. Had I known I was going to be charged 2.7 % for the transaction, I could've used my XXXX XXXX card, which had XXXX foreign transaction fees. The practice of the American Express Company is deceptive and their agents lured me to keep their " travel card '' during the pandemic ( when travel is not possible ) so they can hit me with exorbitant service fees at the right moment.
Company Response:
State: CA
Zip: 91754
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I purchased a debit card and put {$400.00} on it. I have been on your web site for 3 hours trying to register my card on you web site!!! Your web site keeps telling me to try again, again and again. I am truly frustated!!!!!! I have NEVER BEEN ON SUCH A XXXX WEB SITE!!!! HELP!!!!!!!!!!!!
Company Response:
State: IN
Zip: 475XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: As Im currently in the midst of dealing with the fallout of being a victim of identity theft, my bank was unable to process some payments to my credit card, and as a result American Express closed my account without warning and without valid justification. My most recent payments went through and debited my bank account, and so I believe only one to three payments of a small value were reversed due to the aforementioned issues. Its quite shocking and sinister, after I paid my annual {$690.00} fee for the card itself, then they close it, and after my payments that debited too. I expected more from American Express, especially as a large shareholder in the corporation.
Company Response:
State: CA
Zip: 93455
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the imposed credit limit placed on my American Express Blue Cash Credit Card by AMEX be removed. I have spent the last 16 months with a Credit limit of {$3100.00} placed on my American Express Blue Cash Preferred Card, which originally had a limit of {$16000.00}. Pursuant to 15 U.S. Code 1692d : " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. '' Since AMEX has taken it upon themselves to fraudulently lower my available credit limit from {$16000.00} to {$3100.00}, this has significantly lowered my credit score and skyrocketed my revolving credit utilization ratio. It has also made it so I have been unable to acquire credit from other lenders, and my overall mental and financial well-being have really taken a hit. This is a direct form of personal harassment, and slandering of my personal reputation- which I do not take lightly, as a Federally Protected Consumer under Title 15 Chapter 41 of the US codes. This action was supposedly taken as a result of a suspicious charge on my card, in which the company thought that I was using the card for purposes that were not allowed. The very premise of them " conducting an investigation '' is fraudulent though, per 15 U.S. Code 1681 ( a ) ( e ) : in order to conduct an investigation into this matter, they would have needed to gather " information on a consumers character, general reputation, personal characteristics, or mode of living, obtained through personal interviews with neighbors, friends or associates of the consumer reported on. '' They did nothing of the sort- and contacted no one in their supposed " investigation ''. I demand that this credit limit be removed immediately, and that I am mailed via invoice {$1000.00} for each of the 2 Federal Laws that AMEX has violated- pursuant to 15 U.S. Code 1692k ( 1 ) ( A ).
Company Response:
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have received multiple unsolicited offers in the mail from American Express. I have called in excess of 10 times to get this issue resolved and to have my contact information removed from their system. Each time I have been told that it was taken care of, but I continue to receive between 5-10 mailer offers EVERY month. I am registered as Do Not Contact/ 5 year opt out on ALL offers, but they still send me mailers. I am routinely hung up on by representatives from American Express and am fed up with being harrassed by this creditor.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: AMEX XXXX I request all information to which I am legally entitled related to this account to be mailed to my registered address as of XX/XX/2021.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A