Date Received: 2021-09-12
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: On or about XX/XX/2021, I made a purchase on my American Express card with XXXX XXXX. I purchased the following : 1. Restaurant : {$30.00} 2. Oil Change {$49.00} I was charged {$120.00}. In fact, I should have been charged only {$79.00} in total. The problem was that XXXX mistakenly charged me twice ( 2x ) for the Oil Change Portion. Instead of charging me {$49.00} for the oil change, XXXX charged actually charged me {$99.00}. The Restaurant portion was fine : {$30.00}. The total charge was {$120.00}, but should have only been {$79.00} altogether. I tried contacting the merchant ( XXXX XXXX ), but there is no telephone customer service. I was unable to reach any customer service help at XXXX XXXX. I tried disputing this with American Express, but American Express does not understand the complaint. It summarily denied it.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: Bluebird/Serve by American Express Complaint : On XX/XX/2021 I tried to find out information about why I was unable to use my prepaid card to make necessary purchases related to Hurricane Ida. When I called customer care, I received a recording saying that my account was permanently suspended and to call back to service my account and then the call disconnected. I thought that maybe it was because of the time of day so I tried the next morning. I called the morning of XX/XX/2021 and received the same recording and an email saying that I needed to send a letter. I tried calling again but since my phone number is associated with a " suspended account '', I was unable to get through ; there aren't any options for someone to simply speak with a representative. I had to call from my daughter 's phone and select prompts as if my card was lost/stolen in order to reach a representative. Once connected, I was transferred to Account Services who, after I was finished explaining the problem, told me that I needed to mail a letter to receive more information. I asked about how I was supposed have access to my funds and/or how will I receive the money in the account if all I could do was mail a letter. She kept telling me that she did not have that information and that I had to respond via mail. I asked to speak with a manager and she told me that the manager was going to tell me the same thing. How can this representative speak on what the manager will say when she is NOT the manager?! She placed me on hold and when she returned to the call she said that she could not connect me and to call back in an hour. When I tried to express the inconvenience this has caused me, she hung up the phone. I tried getting connected again and I believe the number in which I was calling from was blocked. I have had this account for years and have always used it in the same manner. This is a crucial time right now where Hurricane Ida affected the ability to return home. I had to spend money to stay at a hotel, buy food and other necessities. I was also out of work because there was no power and issues with running water in the area of Louisiana that I reside. This was the account where I have my federal refunds deposited and this is where I had my FEMA assistance sent. I received emails saying that the money was deposited but now, as mentioned in this complaint, I will not have access to the funds. The total amount is {$1500.00} in FEMA assistance and my Advanced Child Tax Credit of XXXX XXXX/month was also sent to this account. Customer Care ( XXXX ) XXXX or ( XXXX ) XXXX Account Services ( XXXX ) XXXX
Company Response:
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
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 validation and Cease and Desist demand. Since then American Express has not properly responded to my request for Debt Validation pursuant to 15 USC 1692g. Attached down below is my original Cease and Desist demand to American Express which was delivered XX/XX/XXXX. Furthermore, American Express violated my Cease and Desist demand and proceeded to sell said alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX Proof is attached below. My legal team has stated this is clearly a violation of my Constitutional and Consumer rights. I have already contacted XXXX XXXX XXXX XXXX and demanded a cease and desist via certified mail tracking # XXXX I have also sent a Fault in Dishonor Notice to CEO of American Express XXXX XXXX for failure of debt validation. Will be sending a default notice very soon if this harassment continues. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless XXXX XXXXXXXX XXXX XXXX XXXX wants to inform XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, Account XXXX XXXX XXXX XXXX, intends to invoke my remedies.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Name : XXXX XXXX Last 4 SS : XXXX Creditor : American Express Credit Bureau : XXXX On Saturday XX/XX/2021, I called American Express to inquire whether requesting a credit line increase would result in a hard pull on my credit report. I was advised it would not. I then used American Express 's online portal to submit a credit line increase. The system gave me an error, so I called American Express again, and they submitted it on their end. I was advised the system was having an error, and I should try again in a few hours. I was told no request had been submitted, and there would be no negative impact on my account or credit. I tried again that evening and received the same error. On Tuesday XX/XX/2021, I received seven emails from American Express ( all with different reference numbers ) informing me that a " We've made a decision regarding your request. '' I contacted American Express, was told that the requests went through, only one had been considered, there was no hard inquiry, and the result of the request would be mailed to me. On Thursday XX/XX/2021, I received an email from XXXX XXXX informing me that there had been a hard inquiry on my account on XX/XX/2021. I immediately contacted American Express, who informed me they had no record of a hard inquiry. The next day, XX/XX/2021, I contacted XXXX, who informed I needed to contact American Express to obtain a removal letter. Once I contacted American Express, I was triaged to a team that informed me that their system " had a glitch '' on Saturday XX/XX/2021, that multiple ( 7 ) requests were submitted under my name, only one was ultimately considered, and they had pulled from my XXXX account. This doesn't align with the information provided to me because American Express already informed me on Tuesday XX/XX/2021 that they had reached a decision. Thus, there was no open application on XX/XX/2021. In addition, American Express representatives had guaranteed that there would be no hard inquiry on my credit.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
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, I, XXXX XXXX, the consumer, mailed American Express a request for debt validation. My legal team has stated, pursuant to 15 USC 1692g, this was not what I requested and American Express failed to properly validate the debt. Attached below is all the responses from American Express through the CFPB, along with the original debt validation request. American Express never expressed who the original creditor is which is I the consumer. I also asked for the original contract and they never provided that either. I requested American Express to provide the following to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete book keeping & accounting of alleged debt. Commission for debt collector if collection efforts are successful. I have sent a fault to dishonor notice to the CEO of American Express attached below and I am hoping we can work this out before I have to go to court and obtain a default judgment.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: XX/XX/2021 - {$10000.00} was deposited from the SBA. On XX/XX/2021 {$5000.00} was deposited also from the SBA. I tried to sign on to the account on XX/XX/2021 and got an error message that the sign on and password didn't match. I tried many times during the day but got the same message. I had signed on on XX/XX/2021 with no problem. XX/XX/2021 - I tried to sign on, got the same error message as the day before plus an email telling me that the accounts are closed. I tried to call their customer service number but the recording told me my account was closed and then hung up on me. I have a main account in my name and a subaccount in my son 's name. There is about {$16000.00} in the main account and {$600.00}? in the subaccount. With no way to get in touch with them except via USPS it is very upsetting.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
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: On XX/XX/2021, a charge by 'XXXX XXXX XXXX ' in XXXX XXXX XXXX XXXX appeared on my credit card, for USD XXXX. This charge alleges damage to a rental car in XXXX. I did not damage this car. On XX/XX/2021, I disputed this charge. I was subsequently provided with a rental car contract for this rental. Close inspection of this contract revealed the following : - The rental car contract is not in my name, but in a name similar to my name. - The address provided on the contract is not my address, and in fact does not seem to be a US address at all. - The contract lists a driver 's license number as XXXX XXXX XXXX : XXXX. I do not have a driver 's license with such a number, in fact all Michigan drivers ' licenses follow the scheme of one letter and 12 numbers. I have provided a copy of my drivers ' license to the credit card company. - The contract lists a passport number. The number listed does not agree with my passport. I have provided a copy of my passport. - The signature on the contract is unreadable but does not agree with my signature. I am therefore not willing to cover the costs of this rental. My complain to the credit card company has subsequently been closed, with the answer that they have reviewed the materials and couldn't find anything wrong with them. None of the points that I have raised have been addressed.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a new American Express platinum account in XXXX this year for regular expenses. Post my spending in XXXX, My statement was generated on XX/XX/XXXX. I paid this statement in full on XX/XX/XXXX as I assumed due date would be 30 days after statement. Amex not only charged me {$29.00} in late fees but an additional {$150.00} in interest charges based on a product called Pay over time. I never opted in for this product and was informed that it is opted in automatically. There is no way to opt out of this product on the Amex website. This seems to be an extremely deceptive practice where even payments made within 30 days of billing can cause interest charges, especially when a big part of the statement balance was just the fees assesed on the account. I would like this feature to be disabled. This should ideally be an option during signup to allow members to opt out of the program. Also, I would like the finance charge to be waived as I never intended to or intend to use revolve on the card.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: account was permantley suspend but i have {$60.00} left that i really need now. cant call customer service because its only for existing customers ....
Company Response:
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: In XXXX XX/XX/XXXX I think it was my check was deposited on to this card and they kept that so on XXXX the XXXX I had a deposit of {$5000.00} get deposited on there well that close to my account and they won't give the money back I have sent letters that haven't even talked sent it back to the Small Business association it was a grant that they had gave me and now they won't send it back I've even tried to contact them several times through emails I even give it to me
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A