Date Received: 2023-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express was told not to send marketing advertisements or solicitations to me. American Express continues to contact me about accounts and new applications. I have registered with the Do Not Call, made specific email and address opt outs, and I continue to receive solicitations
Company Response:
State: NY
Zip: 13090
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
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 submitted a billing dispute for a charge on my statement that was not authorized. Billing dispute was closed and I was provided only a copy of an online receipt with the last XXXX digits of my card number. No other information was provided that supported the closure of the investigation or denial of my claim. I did not authorize this charge.
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Sometime in XXXX someone applied for an American express card with my name and address they did not have the correct date of birth or employer XXXX I received in my mail and american express XXXX XXXX with XXXX limit! they did not check any of the info before initiating I got the card in my mail before they did I have become a victim of identity theft. I don't know how they get my mail. I live in an apartment, I have the only key to the mailbox. They are either getting into the box or someone through postal service is intercepting my mail. They also applied to XXXX XXXX and got a card. I only found out because the bank later sent me the letter with the pin and I got it first. They also applied for my husband and another woman probably fake name. My husband got the notice to come pick up the card. Filed a fraud complaint. They intercepted my XXXX XXXX card that was sent to me and used it up to XXXX $ this XX/XX/XXXX different locations. In person purchases. So far all cards are now cancelled. I am just wondering how they can send out a card without checking the accuracy of the information I have filed with local police but they are swamped with similar complaints
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX, I opened an individual credit card account with American Express. Initially, things seemed manageable, but circumstances took a downturn after losing a child. XX/XX/XXXX : The account balance was {$6900.00}, with a past due amount of {$1700.00}. It was marked as " CBG/> '' and rated as " COL, '' indicating that it was transferred to collection. XX/XX/XXXX : The balance decreased to {$4800.00}, with no past due amount. However, the exact remarks are unavailable, but it was still rated as " COL, '' indicating it remained in collection status. XX/XX/XXXX : The balance increased to {$5000.00}, with no past due amount. The remarks were " CLA<, '' and it was rated as " COL, '' indicating it was still in collection status. XX/XX/XXXX : The balance further increased to {$5200.00}, with a past due amount of {$170.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating continued collection status. XX/XX/XXXX : The balance grew to {$5300.00}, with a past due amount of {$380.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating continued collection status. XX/XX/XXXX : The balance reached {$5500.00}, with a past due amount of {$600.00}. The remarks were " PRL<, '' and it was rated as " COL, '' indicating ongoing collection efforts. XX/XX/XXXX : The balance escalated to {$5700.00}, with a past due amount of {$820.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating persistent collection actions. XX/XX/XXXX : The balance was {$5800.00}, with a past due amount of {$1000.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating ongoing collection efforts. XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1200.00}. The remarks were " PRL<, '' and it was rated as " C/O, '' signifying that it was charged off by the account provider. XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1500.00}. The remarks were " CBG/>, '' and it was rated as " C/O, '' indicating that it was charged off by the account provider. Amidst these challenging account events, XXXX assumed responsibility for managing and resolving the debt. They stepped in as a debt management agency, actively communicating with both me and American Express. Their involvement played a crucial role in facilitating discussions, negotiations, and establishing a clear path towards resolving the outstanding debt, despite the ongoing calls from American Express.
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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: We started getting calls claiming they where American Express with no call back phone number or email address, but they where requesting payments over the phone. Also calling after hours late at night XXXX. We asked for more information and all they would say is time is running out for us? My CPA was also getting the calls and she had to block numerous numbers because they where harassing her for information and also calling late at night. The callers was a woman and man. My CPA stated to me that she thought it was fraud and block all transactions on the card and numbers calling harassing.
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX I received a notification that my credit score dropped XXXX points due to a 30-day missed payment. I have been a loyal customer of American Express for 4 years and have not missed a payment with the exception of this. This was a card that was not actively in use and was tied to a XXXX app that charged a {$6.00} charge. The payment was made immediately after seeing the credit drop and American Express stated that they can not assist in sending the Credit Bureau a letter to explain the situation. I would like to have this removed from the credit report as this was a one-time mistake and there should be leniency considering that a payment has not been missed in 4 years.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$200.00} Amex giftcard from a coworker for the holidays. I tried to use it two weeks ago and it was declined and says its for security reasons. I call Amex they say they need to lift the security on it and it will work. We stay on the phone and it doesnt. They say all I can do is request a new card which takes around 2 weeks. The card arrives this week, I try it on the exact same site, same issue. I call and Im told by yet another Amex rep that it will work in 24 hrs. I tell him that just isnt accurate and can he give me an escalation number for today when it doesnt work. He says there isnt one. I call today and wait for 30 minutes for a rep to try multiple times to transfer me to a supervisor after he says he can fix it and cant and then says he doesnt know. I then call back again to get a new rep and request a supervisor and the rep says there arent any supervisors and hes not sure what else can be done.
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX of XXXX, I sent a wire transfer to a domestic account owned by XXXX XXXX XXXX XXXX in the amount of {$6300.00}. The wire was sent to pay for XXXX XXXX XXXX XXXX from an esteemed collection. The collection was said to be multi-generation with the items being over XXXX XXXX XXXX. These statements, advertising and descriptions were false. The items are modern reproductions with no value. I opened a wire fraud case ( XXXX ) and ( XXXX ) but heard nothing bank. If this is not resolved, legal action will be pursued. There is an open case with the florida attorney general regarding the fraud, case # XXXX.
Company Response:
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear XXXX, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a credit card application submitted to American Express . This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud. The details of my complaint are as follows : Application : On XX/XX/2023, I submitted an application for a credit card to American Express. To my surprise, my application was immediately denied. In response to the denial, I sent a certified letter to American Express seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference. Despite sending the certified letter, I have not received any response or communication from American Express. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. I believe there may be potential securities fraud involved in this matter. American Express has a published XXXX annual filing and an indenture agreement. While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. I am filing this complaint with the CFPB to request a thorough investigation into American Express 's denial of my credit card application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations. I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether American Express has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information. Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. Sincerely, XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have a {$200.00} balance on an AmEx prepaid gift card that I am unable to use anywhere online - even though I have followed the instructions to only use sites that use the card number, expiration date and security code. I have tried XXXX, XXXX and XXXX. None will accept the card.
Company Response:
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A