Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a American Express serve card that XXXX XXXX gave to me and they closed my account for no reason given they told to write a letter I just want my money I have over XXXX dollars in there
Company Response:
State: AL
Zip: 36535
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
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: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: AMEX account XXXX This scam ruined our lives. After this much time dealing with the fallout including severe XXXX, I am able to see things more rationally. I am a professional with a family. I am XXXX XXXX XXXX. I am not stupid enough to walk into places like this and hand over a credit card to them, I am well aware of unscrupulous places like this. This was a failure of AMEX security measures and a willingness of this company to do business with criminals. These charges are fraud and AMEX has done absolutely nothing to protect their cardholder and has paid off organized crime. Period.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This bank is being very unfair with me and I feel discriminated against based of a previous account t I had with them which is closed was closed canceled I paid it off and recently applied for a card with them they refuse to process it check my credir giving internal reason about previous account this isnt fair this is not what they told me at the time of closure that I wouldnt be able to have a new account or reapply its not fair their credit dept treats me like garbage I want. My Hiltons card and they wont even process it their systems XXXX I regret nkt being a customer I want to comeback and be a Cardmember but they wont let me they refuse to process my application
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: Hello, my name is XXXX XXXX. I have been with American Express Serve for years and never experienced anything like what I am going through now. On XX/XX/2021 my account that I have had with you all for 6 years was locked. I noticed this when I tried to pay my bills online and it kept delving my card. I then, went to log into my account several times and could not get in. I tried calling customer service and was told my account was permanently suspended and to write a letter to receive the funds that were in the account. After comparing what could have happened, I realized that my husband received a deposit to my account instead of his and is locked my account. We have both been with AMEX serve for years. I would appreciate if my account were unlocked, so I could access my funds. If this is not done, I will have to file a complaint with the XXXX and get my lawyer involved. My family desperately needed that money. My entire savings and all are in that account. I am not able to pay any bills, and o am currently sitting in a home without lights because I can not access my funds. I know that my money can not be held. I have work checks, taxes, and other deposits all going to this account that I can not access. My family was already affected XXXX, and now this. My family is in desperate need of this money, or we will lose everything we have! I have a XXXX and XXXX year old without food, because we have no money. Someone please get back to me via email ( XXXX ) or phone ( XXXX ). I will do whatever it takes to take care of this matter, because my family is in need. Thanks for your time. Sincerely, XXXX XXXX
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX I applied for and was approved for a balance transfer offer through XXXX. I requested to transfer the entire amount of my current American Express card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/XXXX. However, I also checked my American Express card and noticed that the balance was not paid off. I spoke with American Express and was told that they had not yet received the payment from XXXX. According to them, the account number that was provided for the American Express account was not mine. I do not know how this could be, as I only hold 1 American Express credit card. I spoke with customer service representatives from XXXX multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with XXXX on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both American Express and my current XXXX card ( including the balance transfer fee ) which both hold the same funds from my transfer. On XX/XX/XXXX, I spoke with XXXX executives and they did a three-way call with American Express. American Express was able to locate the correct account so that the funds could be routed. I was told this would take 24-48 hours. It is now XX/XX/XXXX and the money has still not been paid to American Express. XXXX has now closed the case on their end and I am now waiting for American Express to correctly pay off my account.
Company Response:
State: CT
Zip: 06811
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2021 I submitted a complaint to the cfpb XXXX concerning American Express. I would like to understand why on XX/XX/2021 American Express contacted me by email stating heres confirmation of your recent address update. Were confirming your request to update your address for your card ending XXXX. We have also changed your address for any other accounts you specified at the time of request. I never sent Amex any request other than through you the CFPB which it is odd that they are communicating to me by email and not responding to you ( CFPB ). I suggest Amex is forging statements and documents which also is validating my claims that they are not following the proper Rules under the 15 USC 1692. I suggest Amex cease any fraudulent tactics and communicate directly by response to the CFPB.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: American Express recent response to my complaint number XXXX, does not include the following : 1. American Express sent a letter, that I never received, through the XXXX XXXX XXXX, answering my CFPB complaint filed here CFPB Ref No : XXXX, also included another letter in response to the following CFPB complaint I filed because the problem was unsolved, just like now years after. CFPB Ref No : XXXX XXXX. 2. American Express does not include anything about what I was complaining about in my complaints : By the time I filed my next complaint, after CFPB Ref No : XXXX XXXX, I was still complaining that American Express was reporting my faxes were not received by them at all, about American Express bad practices of calling from unknown phone numbers that do not appear at the cell phone bill statement land line phone statement, as shown in the included copy of my Consumer Response here, attached. 3. American Express as well as the CFPB received evidence mainly through here at the C.F.P.B. on my part, that I was not going to answer unknown phone calls that do not appear on the cell phone statement or land line statement as coming from them, instead I kept using the CFPB, because I already made too many phone calls to them, and sent the faxes that by this date, and this was XX/XX/XXXX, was still reported as not received by American Express, no matter their included letter response, XX/XX/XXXX and XX/XX/XXXX dates, I was still reporting by those dates here at the CFPB that American Express was saying they did not had my faxes, no matter my online chats and phone calls to them. 4. This letter also include evidence received yesterday, XX/XX/XXXX, as shown at the U.S.P.S. Informed Delivery website under my name and address, that American Express is still using regular mail to send letters to me. They never used certified mail with me, those letters from the year XXXX might be authentic, but that does not prove that they actually sent those letters to me back then, I was still complaining here that they were reporting my faxes as not received. 5. I am including evidence that the Mortgage Loan reported back then that was made by my Parents, was actually made, I even reported the exact way I was going to pay to them, which does not compare to their bad costumer service, which is no customer service at all : What was the problem they had, when they decided not to call to our Residence from an officially recognized American Express phone number that could be seen at the telephone or cell phone statements?. Not even that was granted by them, as if they were hiding something else. But nobody did anything, including here at the CFPB. 6. I will not accept their {$500.00} credit card as a repair regaining my membership, while they still keep my credit report unfairly damaged against the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.. I do not trust American Express criteria for determinations when they ignore this Laws, and also, basic things about good costumer service, as their XXXX XXXX XXXX too low consumer reviews ratings show, no matter the XXXX gives them A+. That is why we do not use the XXXX. anymore.
Company Response:
State: PR
Zip: 00949
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A