Date Received: 2021-08-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX rose gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.
Company Response:
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX XXXX gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.
Company Response:
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: AMEX has illegally sued me by violating my consumer rights under the FCRA 15 US Code 1692i ( b ) I have never given written or oral consent to authorize the bringing forth of legal actions by AMEX for the alleged debt of over {$5.00}, ooo. They sent any & all information of this alleged debt to the wrong address on multiple occasions which violated my privacy as well as violating FCRA 15 US Code 1692b,15 US Code 1692d and 15 US Code 1692c ( 2 ).
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I received a direct deposit to my account that cleared and soon after they suspended my account and blocked me from access to without any notice whatsoever
Company Response:
State: TX
Zip: 76117
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied the XXXX gold card with amex and checked with the online agent to confirm that I will get {$150.00} shipping credit. However, amex denied the offer and refused to offer the credit. Please checked the attachment for the chat transcript since I opened the account and the response from different aget with different answers.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: This complaint is a follow up to 2 previous complaints ( XXXX and XXXX ). Ive done my best to try to resolve my issue with American Express Serve. My last effort was to speak to law enforcement about how to solve this kind of crime. I am asking the investigators from American Express Serve to go back to the 2 XXXX restaurants to get video of the 2 days the money was taken from my account. I would like for them to try to identify the person or persons who used my card number to take money from my account. I didnt give anyone permission to use my card, nor did I give anyone my pin. The card has always been in my possession.Law enforcement also described a device called a skimmer that thieves use to copy card information and PIN numbers.They also showed me a camera that can be attached to an ATM to steal information from cards. I would like American Express to take into consideration that any of these devices could have been used to get my information.So far, American Express has not really given me reason to not return my money. They just say that based on their investigation, the transactions in question were authorized. I say how did they investigate, and what did they find out? Please tell me how you determined the transactions were authorized! I dont have any further documentation to submit. Ive submitted all dates and amounts of the funds that were stolen.
Company Response:
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was taken off of the one year 5.99 % APR plan as excepted, but then immediately put on an 17.99 % APR which is higher than it's ever been. During a global pandemic, American Express, who is making record profits, has refused to reduced my APR or offer any resources whatsoever to address the issue. I have a flawless payment history with American Express and have done business with the company for over 5 years. The only thing a supervisor could do was submit an internal compliant ( Internal Complaint # : XXXX ). If you could address this sudden rise in APR, which is jeopardizing my finances, please contact American Express to rectify the situation. I appreciate your help here.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: there are inquiries on my credit report that I don't recognize or authorize
Company Response:
State: VA
Zip: 22801
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to American Express on my Personal Loans account. The payment did not initially clear as my employer was late releasing reimbursements to me because of COVID related staffing issues. Amex immediately re-presented the check and it was then cleared by my bank. I have called Amex multiple times and even did a conference call with our bank with AMEX who confirmed that the funds were released from our account to Amex via ACH on XX/XX/XXXX. Our account with AMEX still reflects that the payment was returned and we have not been credited for the funds they received on XX/XX/XXXX. Amex has also advised that we have 'one profile ' and they have retricted our ability to utilize the XXXX XXXX because they still show the payment as not being honored. We have been AMEX cardholders since XXXX. My credit line or in Amex speak purchasing capability has essentially been eliminated and now all payments require a five day hold! I called this morning and after an extended hold got a recording that their systems were not working and they could not help us. I am very dissapointed in AMEX, so much for showing any empathy or understanding during COVID, I have literally spent hours on the phone with AMEX to resolve this to no avail. Everytime I call I get routed to collections ( even though the account is current ) and then get emails after the fact that I have made a " promise '' to make future payments. Something is very wrong here. I suspect the customer service agents I am talking to are in fact collection agents and instead of resolving the issue they get paid incentives to get reflect on my account that a " promise '' has been extracted even though that is not the case.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are some negative accounts in my credit report that don't belong to me, please remove them as soon as possible from the three credit reporting agencies.
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A