Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft AMEX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXXA/XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: AMEX is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and AMEX can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recieved a call from American express asking me if I had received calls or letters from them, gentleman informed me he would place my call on hold asked for agent I'd,, agent mentioned we are not allowed to hand out, I suspect fraud
Company Response:
State: TX
Zip: 79902
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am an American Express account holder. I recently book a trip through American Express travel. My trip was a failed attempt but the charge on my card is pending online the amount of {$4200.00}. I spoke with several representatives over a 48 hour period trying get the problem resolved. I was told that it would take 3-5 business for the funds to be put back in my account. I Do not understand why a trip was never booked but my card was charged and the funds are pending. Due to an unforeseen circumstance I do not have 3-5 days to wait for my fund to be release. American Express has caused great harm to my mental within the last 48 hours. I would like my funds released and documentation stating that this process is legal.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2021 I opened a XXXX account and after adding my Hilton honors card to my paypal account, XXXX permanently XXXX my account for suspicious activity. Why this happened? What's wrong with my card? What's suspicious about my Amex card? On XX/XX/2021 I updated my phone number in Amex profile. After getting XXXX by XXXX, everytime I try to login to my Amex account, its asking for re-authentication key that is being sent to my old phone number ending in XXXX. Why? Whats going on? On XX/XX/2021 I called Amex and asked to speak to the security team. The operator said the fraud team deals with all security issues and transferred the call to the fraud department. This lady from your security team said my Amex profile has my new number updated but however these issues doesn't fall under her work responsibilities. She said she will transfer the call to the customer service and she will stay on the call until the call reaches the customer service. But then the call went to your usual recorded voice prompts? Why? This shows you people deliberately did something to my card/account and now trying to run away from your responsibilities.
Company Response:
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Date : XX/XX/2021 Subject : American Express Platinum Card Promotion CASE ID : XXXX Contact Time : Over 3+ hours via telephone and chat Proof of Fraudulent Promotion : XXXX : XXXX XXXX Applying fore Amex Platinum Card via promotional link on their website : XXXX XXXX XXXX XXXX This is a fraudulent advertisement by AMEX to coerce new applicants XXXX open a line of credit and receive above the customary new account rewards points ( XXXX instead of XXXX ). Once the link to apply is clicked and are approved, the line of credit is opened in your name, a card sent to your address and no prompt for rewards are issued. This requires an individual to call AMEX to address your reward point amount. At this point they will notify you that you are awarded the customary XXXX rewards that has always been in place for this card. There is no XXXX bonus points. Its a complete gimmick to get you to open a line of credit in your name in hope you will inevitably end up using the card. Additionally, you are worse off if trying to cancel. You will have to incur the inital hard credit check and additional hit if you decide to close the line. Moreover, if you decide to inquire the process is as follows : - you must activate the card and start spending toward the XXXX in 6 months minimum spend for the promotional offer immediately. - During a period of 6-7 weeks ( will continuing to spend ) an AMEX team will review the promotional offer and issue you formal approval via mail if you are approved. - None of this is presented in the promotional print nor is there follow through by AMEX. This is a serious scam that should be addressed immediately and made known more publicly.
Company Response:
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I made a compliant to the CFPB about AMEX ( XXXX-XXXX ) and they closed the complaint by saying a refund had been issued. This is incorrect, no money has been refunded to date and they have intentional lied to the CFPB to close the complaint
Company Response:
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: For the billing cycle ending XX/XX/2021, American Express made a change to the billing st atement that is misleading and intended to inadvertently drive consumers to use the Pay Over Time feature, resulting in unexpected interest charges. As a result of changes, new charges over {$100.00} are no longer displayed under the " Pay in Full '' amount shown on the billing statement. Therefore, payin g the " Pay in Full '' amount now results in interest charges being assessed. The true balance has been moved to lower prominence on the bill, including online bill pay options. As a result of this change, I ended up with {$180.00} in interest. Although American Express ultimately waived and reversed those interest charges, this is a misleading change requiring communication with a representative ( in which they push additional offers ) and I do not believe American Express provided a clear notice to customers about this change.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXXXXXX XXXX - {$2900.00} XX/XX/2021 when I noticed the fraudulent charges American Express - {$9700.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - RETAIL - {$2800.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$580.00} XX/XX/2021 when I noticed the fraudulent charges XXXX XXXX - {$0.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$1100.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$980.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$570.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$330.00} XX/XX/2021 when I noticed the fraudulent charges The Accounts above is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I XXXX XXXX the natural person Never gave The Accounts above consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. The Accounts above Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the XXXX XXXX XXXX , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; The Accounts above Credit Dispute has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; The accounts above is in violation of 15 U.S. Code 1692d - Harassment or abuse in Exhibit A, B & C A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. The Accounts above has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. The Accounts above is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The Accounts above has provided false information to XXXX XXXX, & XXXX
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A