Date Received: 2021-09-03
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: Submitted a timely dispute for a purchase dated XX/XX/2021 for {$320.00} from XXXX XXXX XXXX XXXX. Initially, I only requested a billing adjustment for half of this amount amounting to {$160.00}. The air conditioning service received in my home was less than adequate, I made the company aware of this and filed a XXXX XXXX XXXX complaint. On, XX/XX/2021, the company sent an email advising they are crediting the full amount of {$320.00}. On, XX/XX/2021, I reached out to American Express chat to amend the dispute to reflect {$320.00}, not knowing if the merchant is going to follow through with the credit. The lazy representative did not follow through on my request.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. Someone I do not know hacked my computer and made this fraudulent charge amounting to {$17000.00} and was made on XX/XX/2016.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In the year 2020, I was in Debt with American Express, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I owed around {$3000.00} to American Express, around {$5000.00} to XXXX, & {$1900.00} to XXXX XXXX XXXX XXXX XXXX. I have payed off all my American express cards but they closed my accounts, XXXX is paid off in full and the account is still open but their evaluating my account to see if they can reinstate my credit. XXXX account is closed but the balance is fully paid off. All accounts are paid in full.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up an Amex XXXX XXXX credit card with a welcome bonus of XXXX MR poitns after spending {$6000.00} within 6 months plus 10X restaurant MR bonus. However, recently an AMEX representative declined my welcome offer stating that, they popped up a warning window during my application saying 'based on my history of AMEX , I am not eligible for the welcome offer. And because I proceeded with the application, they now decline my welcome bonus offer. I am disputing this for the following reasons : 1. I did not see such a warning popped up during my application! I am aware of AMEX rule about the popup window, but I did not see it. It may be the system 's error that did not popped the warning. 2. I have a good history with AMEX. I have a lot of organic spending using AMEX cards, and I have never closed a single AMEX card. I don't understand why AMEX claimed my history was bad so they do not offer the welcome bonus offer to me.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is a follow-up to CFPB Ref No. XXXX-XXXX that AMEX closed saying that they have resolved the matter. The matter is not closed. Since XX/XX/XXXX, I have been contacting AMEX to -1st - have payments I made to the wrong AMEX account ( that is closed ) transferred to another AMEX account or - 2nd - get a wire transfer refund for those payments summing to {$4600.00} so that I can place the credits on the correct account myself. AMEX has not refunded my money and, on XX/XX/XXXX, wrote a letter to CFPB and yours truly saying that they requested a wire transfer refund on XX/XX/XXXX that I should receive in 2-3 days. Today is XX/XX/XXXX and still don't have my refund. Thus, I'm opening up another complaint on this matter.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX, I applied for the American Express XXXX XXXX XXXX card. I was denied with the following explanation : * Your XXXX Small Business Blended Credit Score ( see below ) * Based on your credit report, you have too many requests for credit, as reported by XXXX XXXX XXXX XXXX. * Length of time accounts have been established. ( XXXX XXXX ) * The number of accounts with high balances in relation to their credit limits or original loan amounts. ( XXXX ) My business was new, so I could understand a decision based off of that and would have accepted that as the only point. The issue is with the remaining information ; that the information that they based their decision off of was not my information, and American Express refused to rectify the situation by looking into it properly. First point, yes the business is a day or two old, so I understand this. Second point, it was my second hard pull for credit in 2 years on my XXXX and XXXX reports. Third point, 1.5 years average might or might not make a difference, though my oldest 2 cards are 2 years 5 months and 1 year 8 months, with my third and most recent 4 months old. Fourth point, I have {$32000.00} in total credit ( because the automatic credit limit increase isn't seen on this report yet by XXXX, the total available credit across 3 cards ( XXXX XXXX branded American Express card included is {$29000.00} ) with a total reported usage of {$1200.00}. Additionally they included : * Too few non-derogatory sources of information on record for you. * You have degrogatory public records associated with you. According to them, I have public records on my credit report with XXXX. This is inaccurate, and I was told to contact XXXX. I did. XXXX told me that there wasn't any public records on my account, and I was told to contact American Express again, and then I was pointed at XXXX again. Unfortunately in this case, no one is willing to take responsibility, nor are they willing to put the effort in. I have ensured that I have paid all of my accounts on time because credit is important. I have never missed a payment with these accounts, and it's absurd and defamatory that American Express would suggest otherwise!
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2001 with a balance of {$950.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Shortly after opening my American Express card, I setup billing from my bank checking account and enabled Autopay. My bank declined my first payment for some reason, but worked a few days later with the same account number/routing number. Unbeknownst to me, American Express cancelled my autopay. While they informed me that the payment didnt go through originally, I was never notified that autopay was cancelled. This month, I expected that my statement would automatically be settled through autopay, but I was surprised when I checked my account and I was assessed a late fee. I worked with Amex to reverse the fee after explaining that they cancelled autopay without my knowledge. My main complaint and worry is that this credit card company is able to cancel autopay and not notify customers that this has taken place. This allows them to be predatory in collecting late fees that customers dont expect because their accounts go past due, when they shouldnt due to autopay.
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My name is XXXX XXXX, my spouse is XXXX XXXX. We both have Amex Hilton XXXX Credit cards, with cards ending XXXX and XXXX. The card comes with a benefit that will have {$250.00} credit for each card for Hilton Resorts Booking. I use my card to book a one-night XXXX XXXX XXXXXXXX XXXX CA which is part of Hilton Resort for {$460.00} on XX/XX/2021, and my spouse XXXX XXXX uses his card to book another night at XXXX XXXX XXXXXXXX XXXX CA for {$470.00}, which is posted online at XX/XX/2021. I used this benefit before and the credit arrives within 1 week of qualified purchase, but for these two hotel bookings, It is already one month and we don't see the {$250.00} credit posted on both of our Amex Hilton XXXX credit card account. I called AMEX several times and the representative just asked me to wait. But I don't think waiting for over 1 month and credit does not arrive is a reasonable time frame, and definitely, there is some issue here.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On ( XX/XX/2021 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A