Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i called the company about them saying i was 18 months behind. I said i have been paying every month at the agreed amount, it has been taken out of my account every month they said the only way to take off my report was to pay in fool. Which is not what they agreed to. I gave the dates that we paid and they have records of all payments. Is says on the statement that we are on a payment plan.On their statement they have all our payments.
Company Response:
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I applied for an American Express Hilton Honors credit card. The application stated the apr can range from 15.74 to 25.74 based on your credit report and credit worthiness. I got approved with an apt of 22.74 which is outrageous, I was sent a letter stating they used my XXXX credit report. I pulled my XXXX report there were no inquiries from American Express. My credit score is XXXX which ranks as excellent, I only have 3 open lines of credit which have excellent payment histories no collections in fact I pay extra on each card each day so Im considered credit worthy. I tried to talk with several people at American Express I was not given a explanation for the high apr rate I need to know exactly how apr was determined since my credit report was not used I feel like I was unfairly treated when applying for this card. I declined the card and had them cancel the card.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Have an AMX card for over 32 years. Always pay on time and in full. Paid a date late XX/XX/XXXX XXXX bill due XX/XX/XXXX was charged a late fee of {$29.00} plus {$8.00} in interest for this. Was informed that they couldnt change or correct because it was a system thing. Some restitution was discussed but morally I believe that AMX in this time of the virus and financial struggling times should not try to rip off its customers, especially those with my good standing and years of commitment. Would like to know if customers have no protection against this, especially in times of COVID-19 and the present financial conditions?
Company Response:
State: NY
Zip: 11210
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: 2021-07-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Consumer Financial Protection Bureau, What Happened? : As I reported to the CFPB, XX/XX/XXXX XXXX XXXX ) : In XX/XX/XXXX, my American Express renewal fee was {$95.00}. In XXXX of XXXX, Amex discriminated against me by placing a preset limit of {$2000.00} on my account, which I rarely use, after my XXXX XXXX XXXXXXXX bank account was defrauded/depleted through XXXX, and while XXXX XXXX XXXX XXXX was defrauding me for erroneous insurance fees. In XX/XX/XXXX, my Amex renewal fee was {$95.00}. In XX/XX/XXXX, per Amexs predatory revenue creation attempts during the XXXX pandemic, my Amex renewal fee jumped to {$150.00} on my account with a preset limit of {$2000.00}, which I rarely use. In XX/XX/XXXX, I reported two unapproved transactions, XXXX, and XXXX XXXX, and Amex wanted me to obligate my time to resolve the grievances, while Amex charged me late fees on the unapproved transactions, rather than Amex acknowledge the fact that Amex increased my renewal fee for Amex to direct me to resolve my own grievances as if I were an Amex employee. XXXX resolved the unapproved transaction, whereas I had to report the Amex-XXXX grievance to the Consumer Financial Protection Bureau ( CFPB ) ( XXXX ), XX/XX/XXXX, and I was awarded the sum of the unapproved transaction. In XX/XX/XXXX, Amex sent me a paper check for the remaining sum of the credit award, at which time I expressed to the Amex chat representative to return the stolen funds to my account, or close my account, and neither happened. XX/XX/XXXX, months after I directed the Amex chat representative to close my account, Amex charged me a renewal fee of {$150.00}. Amex continues charging me an inflated renewal fee on my account that I rarely used, and which carries Amexs discriminatory preset spending limit. I had to report Amex to the Consumer Financial Protection Bureau ( CFPB ) over erroneous charges and interest fees. Amex returned the erroneous fees to my account. Amex removed the funds from my account to send me a paper check. I told Amex to return the stolen funds to the account or close the account. Amex failed to return the funds or close the account. Every time Amex creates one of these problems for me, Amex costs me more than the sum by obligating my time, as I stated to the Amex chat representative. Amex, close my account, because I have no need for overpriced Amex renewal fees on Amex preset spending limits. I will not be paying Amexs {$150.00} renewal fee or any associated late fees as my account was to have been closed in XX/XX/XXXX per my direction to the Amex chat representative. -- XX/XX/XXXX, peXXXX XXXX XXXX, the Amex representatives response to my XX/XX/XXXX CFPB complaint, It is against our policy and our culture to make credit decisions or service an account on a prohibited basis. The actions taken on your account were based on valid reasons and in accordance with our policies and procedures. In the statement, credit decisions, actions, and valid reasons refer to the Amexs discrimination of me as I reported to the CFPB, and as XXXX XXXX and Amex attempt to explain/validate Amexs discrimination and predatory revenue creation at my expense. We previously addressed your concerns In our prior response to the CFPB under reference number XXXX sent on XXXX XXXX, we explained that the annual membership would increase to {$150.00} as of XX/XX/XXXX. Additionally, we explained that you were credited {$120.00} for late fees and a billing dispute charge made to XXXX XXXX. Lastly, we explained that a decision was made to place a {$2000.00} global limit on the account. In the statement, XXXX XXXXXXXX claims, We previously addressed your concerns, and we explained that the annual membership would increase to {$150.00} as of XX/XX/XXXX, and I paid the fee despite Amexs discrimination and predatory revenue creation at my expense, we explained that you were credited {$120.00} for late fees and a billing dispute charge made to XXXX XXXX, but Amex took three months and only after I reported Amex to the CFPB ( XXXX ), XX/XX/XXXX, and we explained that a decision was made to place a {$2000.00} global limit, which was based on credit decisions, actions, and valid reasons referring to the Amexs discrimination of me as I reported to the CFPB. We billed the annual membership fee On XX/XX/XXXX we sent the enclosed billing statement with a New balance of {$150.00} that included your annual membership fee that was billed on XX/XX/XXXX due by XX/XX/XXXX. It is important to the that in the enclosed billing statement sent on XX/XX/XXXX we provided an important notice on page five that stated, the annual membership fee for your account is {$150.00}. When you receive the statement in which the annual fee is billed, you can avoid paying the annual fee by calling the customer care phone number on page three to cancel your account. In the statement, XXXX XXXX claims, XX/XX/XXXX we sent the enclosed billing statement, despite three months earlier, XX/XX/XXXX, my having directed the Amex chat representative to replace the stolen funds or close my account. Per XXXX XXXXXXXX response, It is important to the that in the enclosed billing statement sent on XX/XX/XXXX, it is important to note that this is not a complete sentence, and that XX/XX/XXXX occurred nearly two months after XX/XX/XXXX when I directed and the Amex chat representative failed to replace the stolen funds or close my account. It is also important to note that the previous paragraph states that the annual membership would increase to {$150.00} as of XX/XX/XXXX, three months into the Covid-19 pandemic, which, as stated, I paid despite Amexs discrimination and predatory revenue creation at my expense, yet somehow the XX/XX/XXXX statement was intended to help me understand that the XX/XX/XXXX Amex chat representative failed to replace the stolen funds or close my account per my direction, yet I can avoid paying the annual fee by calling the customer care phone number, which, if Amex recalls my previous call to Amex, XX/XX/XXXX, regarding my XXXX XXXX dispute, the customer care telephone representative assured me that the matter would be handled, yet Amex failed to resolve both the XXXX and XXXX disputes, which left me to file my CFPB complaint ( XXXX ), XX/XX/XXXX, and only then did Amex resolve the XXXX dispute, which should have been handled immediately, but instead Amex took from XXXX XXXX for Amex to pose as if Amex was doing me a favor by misusing my uncompensated time for three months, and reimbursing me {$120.00} for the disputed XXXX XXXX transaction and Amexs erroneous late fees. We were unable to locate a prior cancellation request On XX/XX/XXXX we chatted with you about your account showing a XX/XX/XXXX removal of credit balance. We explained that a {$23.00} credit balance had remained on the account for three consecutive months and the system automatically clears the credit balance by creating a request to have a check sent to you, resulting in a zero balance. The chat ended and you did not request cancellation of the account. We are sorry to hear you want to close your account but understand your request and want to comply. We located XXXX Membership Rewards ( MR ) points attached to your account. To cancel the account please call the number on the back of your Card. In the statement, XXXX XXXX cites the XX/XX/XXXX Amex chat without supplying transcripts, We were unable to locate a prior cancellation request, that is because I did not make a request for cancellation, I ordered the account closed via the Amex chat representative, XX/XX/XXXX, and I involved the Federal government in the grievance via the Consumer Financial Protection Bureau ( XXXX ), XX/XX/XXXX, to help Amex understand that Amex failed to take my direction to close the account while Amex and Amexs XXXX intend to predatorily generate revenue from me while tampering with my account over a mere {$23.00} credit balance. Note, the {$23.00} credit balance was the remaining balance from the XXXX grievance which took Amex XXXX XXXX to resolve, so it took Amex three months to resolve the XXXX grievance, and three more months for Amexs system to automatically clear the credit balance, but the system could not automatically resolve the XXXX or XXXX grievances, or automatically resolve my grievance with Amex as I directed the Amex chat representative on XX/XX/XXXX. Per XXXX XXXXXXXX response, We are sorry to hear you want to close your account, but I already closed my account and destroyed my card, XX/XX/XXXX, and Amex refuses to accept that the customer is always right, which is why I reported Amex to the Consumer Financial Protection Bureau to protect myself from Amexs discrimination, predatory revenue creation, continued harassment, continued misuse of my uncompensated time, and continued failures at my expense, and likely the expense of others in need of protection from American Express and similar predatory financial institutions. Per XXXX XXXX response, We located XXXX Membership Rewards ( MR ) points, which is irrelevant as Amex and XXXX system have completely betrayed my trust and faith in Amex, and I have no intention of involving myself with Amex ever again. Per my XX/XX/XXXX feedback I supplied to the CFPB : Per XXXX XXXX fraudulent response : The chat ended and you did not request cancellation of the account. No, the Amex chat began with me directing the Amex chat representative to return the stolen funds to my account, or close my account. The Amex chat ended when I hung up on the Amex chat representative misusing my uncompensated time in their failure to take simple and immediate direction. Amex can not explain, Im not calling phone numbers, Im not repeating myself again. Stop misusing my uncompensated time in XXXX failure to take simple and immediate direction, and close the account per the XX/XX/XXXX Amex chat. I was an American Express customer since XXXX. I already stated to the CFPB that I will not pay the renewal fee, or late fees, or make phone calls to Amex, etc misuse of my funds or uncompensated time. Amex failed to close my account as directed, Amex charged the renewal fee despite my stating that I would not pay the fee, Amex intends to charge late fees on the renewal fee knowing that will not pay the fees, the CFPB is aware of this dispute between myself and Amex, everything that has transpired since XX/XX/XXXX is Amexs continued harassment of me, and the XXXX XXXX XXXX XXXX failure to protect me from American Express. XXXX XXXX attempt to explain/validate discrimination and predatory revenue creation exemplifies predatory revenue creation where XXXX XXXX are compensated for disrupting and misusing my uncompensated time reporting XXXX discrimination and predatory revenue creation, continued harassment, and continued failures. Charge off the account, send the account to collections, file a lawsuit, whatever it takes to stop Amex, et al, failures and harassment of me, so that I may report the predatory revenue creation and harassment of relative persons, collectors, agencies, et al to the Consumer Financial Protection Bureau. Listen to the customer the first time, close the account, normalize annual fees to pre-pandemic, stop discrimination and predatory revenue creation at customer expense. Is it so hard to understand? What would be a fair resolution to this issue? : Compensation for damages and exponential mental anguish. -- Guide yourselves accordingly. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX ( XXXX XXXX XXXX Email : XXXX XXXX
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a credit card with this company that I ALWAYS PAID ON TIME and I paid it completely off at least once and made huge payments on a monthly basis. I'm a XXXX and my income was impacted by Covid ; I communicated those struggles to Amex and was eventually was offered to enroll in a Hardship program. I enrolled and have been current ever since. However my credit report is reflecting 30 days late for 4 months ( XXXX, XXXX, XXXX & XX/XX/XXXX ). My credit score was in the high 700 's and now I'm in the low 600 's. I've called Amex numerous times asking for help but received rude, poor customer service and no help. I've disputed with the credit agencies multiple times and have had little to now change. It would be nice to have them removed but at this point, I'm simply asking for the 30 days late to be changed to ND ( national disaster ) so my score isn't negatively impacted. I've attached a copy of my XXXX payment history below for your review. Please help! Account Name : AMERICAN EXPRESS Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Status : Open. OK+ Show 2 more years Payment history guide 30 days past due as of XX/XX/XXXX to XX/XX/XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
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. 200 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: 076XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied for and got approved for an American Express card in XXXX. I was living in XXXX at the time and the card was supposed to arrive at my apartment by XX/XX/XXXX. The card never arrived. I moved to XXXX a few days later and checked with the friend who lives in my XXXX apartment to confirm that the card never arrived. I called Amex and asked for a replacement to be sent to my new address in XXXX. They sent it and said it would arrive by XX/XX/XXXX. It did not arrive. I called Amex again on XX/XX/XXXX and asked if there was a tracking number or some other identification to track down the card. They said there was not and they could not expediate it. They said they would send another card that would arrive by XX/XX/XXXX. At this point, I mentioned that they haven't sent the card twice to two addresses. And asked them to send the card with a tracking number so I can confirm that there isn't any issue. They refused. It's very concerning to me because every credit card application impacts my credit report. And despite approving the card, the company has failed to send it multiple times and refuses to give me any way to track that the card has been properly mailed.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have been a " loyal '' American Express cardholder for over 30 years. As far back as I can remember, I have a flawless payment history. The latest humiliation/discrimination regards covid-19 relief. This allows members to postpone payment without penalty. I was hospitalized earlier this year due to Covid 19 and have had financial challenges since. I did use the benefit once since then but did make my payment as promised. Because of continued hardship, I was unable to make my payment on time. I requested an extension per the relief offered to all American Express members. It was denied but I was told I still had until XX/XX/XXXX to make payment without penalty. I can and will keep my word. However, when I asked why I am being denied ( please remember I have been a " loyal member '' for over 30 years with a flawless payment history, their agent in the finance department could not answer. He then attempted to get further information from his supervisor but it was denied. No further information was provided. All I could get was apologies but absolutely no information as to why the benefit for which I paid a large annual fee was denied. Again, given my very long history with American Express and an excellent payment history, I was denied a benefit provided to all members. I feel that I a being singled out or penalized and what is worse is, no one will tell me why. In XX/XX/XXXX, I used my card extensively and still paid my bill in full and on time. Their response was to lower my available credit. They wanted to confirm my income. I provided it and it was still not enough reason to restore my credit line. I do not know why this is happening but I am very offended. I feel discriminated against and I am not even able to defend myself or rectify the matter - if any. I am no longer happy with American Express. If, after enduring all these years, and going through Covid 19 are not reason enough. to be a proper member of this " club '' then they do not need my business and I shall let everyone know of my trauma. This is a trauma because every time I have needed my American Express, at the most inopportune times, they have let me down. I no longer believe in their " Don't leave home without it '' motto. It is misleading and they don't provide their services as offered.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express is correctly reporting my account status. My account is update and has been 2019. Ive made a payment arrangement since 2019 with American Express and they are not reporting my account correctly. My account ending in XXXX. Ive been making my court order of {$100.00} as request with the judgment.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A