Date Received: 2021-09-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have a Bluebird American Express re-loadable debit card that I purchased from XXXX a few years ago. I had added my personal banking info on their platform so I could transfer funds from my bank to the Bluebird card. I primarily did this if one of my kids needed a debit card to make an online purchase, so they wouldn't have my actual bank card. Only what I deposited as there is no overdraft with Bluebird. I went to check my primary bank account today and noticed unauthorized transactions from Bluebird. I made sure it wasn't lost or stolen. It's in my wallet right now. I haven't used it in a long time. I attempted to contact their customer service. The robot on the phone told me that my account was permanently suspended and to check my email. I checked my email and it said I violated rule 22 ( d ). Keep in mind, I have not touched this card in months. I have no clue what these unauthorized transactions are. Here is a list of the unauthorized transactions in order : 1. PURCHASE BLUEBIRD.COM XXXX GA CARD ( **** - you have asked to keep this private so I will just place stars here. These are the last 4 numbers of my primary debit card with my primary bank ) XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load XXXX. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$50.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load 3. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$2.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by XXXX XXXX XXXX Non-Financial Institutions-Stored value Card Purchase/load 4. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load This is a total of {$62.00} out of my primary bank from Bluebird that I did not authorize. Now my Bluebird account is permanently suspended and I didn't make these charges! I can't even speak with a person to find out what is going on. I just want to make sure that this is not going to continue to affect my primary bank account and that my identity has not been stolen or something. So I want is to figure out what is going on. I will be calling my primary bank as well to make sure they are not able to ACH anymore money out of my primary account. If there is anything you can do it would be so greatly appreciated! Thank you for what you do!
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have applied for American Express and have been turned down five times, Im tired of denial dont approve people with perfect credit we all equal Im tired of being discriminated against just because of low credit, these credit acceptance is XXXX stop only accepting perfect credit people with XXXX if I can make payments then I should get approved I have a job dont only assume low score Im not a XXXXXXXX XXXX XXXXXXXX change your credit ways of approval
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I had XXXX dollars stolen out of my account, I filed a dispute same day, and they declined the dispute, there is zero reason why they declined my dispute and wont tell me why. American Express basically told my Im XXXX
Company Response:
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Dear CFPB. I signed up for an American Express Hilton card offer where I receive {$10.00} dining credit per month on my card and have used it 7 times already for a total of {$70.00} per credit. Curiously, I've already used my card a couple of times this month at restaurants but didn't get the customary email notification that I'd redeemed the offer. I'm further puzzled whether I'm now supposed to receive a {$20.00} dining credit as an XXXX member. Surpass members receive {$10.00} dining credits per month up to {$110.00} total and XXXX receive {$20.00} per month up to {$220.00} credit. I had two unproductive chat sessions with Amex that did not resolve the issue, and in my experience the best way to reach customer service at Amex, sad to say, is by filing a complaint with the CFPB. I apologize for troubling CFPB with a {$10.00} issue, but I believe it is important that Amex honor their promotion and their chat agents did not resolve this issue. I have been an Amex customer for 14 years with a perfect payment record and fear the quality of their customer service function has going downhill, possibly due to COVID staffing issues which would be understandable, and hope you can help me get the {$10.00} credit Amex owes me. I would have not used their card for this transaction were it not for the offer they made but have, as of this correspondence, yet to fulfill. Thank you for your time in investigating this issue.
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I paid off my American Express card in XXXX on XXXX. Check my accounts for months to make sure there was no surprises. Got a bill from American Express yesterday stating that we owed them {$190.00} due to 2 charges made on the card. One charge was made on XX/XX/XXXX for {$29.00} and the other charge was made on XX/XX/XXXX for {$4.00}. The other {$150.00} is late charges and interest. We called American and explained that we did not charge these amounts and we have not used the card since we paid it off in XXXX of XXXX. They were unwilling to help us in anyway.
Company Response:
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello my name is XXXX XXXX, on XX/XX/2021 when I attempted to create a profile on Kabbage, WITHOUT my consent they pulled my credit report. When I called and spoke to someone at Kabbage corporate office to explain that I didn't give my consent to run my credit they told me it was nothing they could do and to contact XXXX to have the inquiry removed. The company information is Kabbage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. You can contact me at XXXX XXXX
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: This inquiry has been reported on my credit report. I don't know these companies nor have I ever did any business with this company. This company does not have a contact with my signature.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: AMEX at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been reporting inaccurate information on my credit report. I don't know this company nor have I done any business with this company. This company does not have a contact with my signature.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have used the American Express XXXX XXXX Back card for about 10 years. Over that time, I built up substantial rewards, about {$1200.00}. Over the course of the last 3 months, I have tried mightily to redeem this amount. I have spoken with customer service 8 times over the last 3 months, with each call lasting over half an hour. Every time we speak, they say they will issue the credit without any problem. And every time they do not.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I paid off my balance on my Amex account, redeemed my reward points, and closed the account in that order. Today, XX/XX/XXXX, I received a suspicious email and text that my account needed attention for a past due balance. Following this, I logged in via the online portal ( ignoring the email ) and found that Amex had assessed a {$0.00} interest fee on XX/XX/XXXX, then placed two {$35.00} late fees on top of that. For one, I'm didn't see how the account was still open, I'd requested it closed XX/XX/XXXX. For two, I don't see how after paying the full balance {$0.00} popped up, and how that became {$70.00} Chatting with Amex, their explanation is that they processed my rewards point redemption after closing the account rather than before, which triggered a {$35.00} account reinstatement charge, and then left the account open and able to collect additional late fees on that {$35.00} charge. Checking my sms and email communications logs, I had no emails or sms messages from them since I closed the account which would have indicated that the account was reopened and collecting fees.
Company Response:
State: VA
Zip: 22902
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A