Date Received: 2021-07-08
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: There have been sixty-seven charges in the last 11 months on the AMEX card from XXXX. I have no sales ticket for what items were purchased, quantity or by whom. Amex refuses to provide me with the sales receipt for each invoice since the card was issued. It leads me to suppose that there have been multiple fraudulent purchases on this account.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card with American Express ( The XXXX XXXX American Express Card ) On XX/XX/XXXX, I made a {$23000.00} payment against an outstanding balance of {$24000.00}. On XX/XX/XXXX, I visited the American Express online portal https : //XXXX to verify receipt of my payment and to check the total outstanding balance. The site showed a {$1500.00} Total balance that included charges included {$1000.00} posted since XX/XX/XXXX. Those charges checked out. However, a pop-up linked revealed additional information, to wit : " A plan has been created with Plan-It on this account. The balance will adjust as plan payments become due. View Plans. '' I did create a " Plan-it '' plan back on XX/XX/XXXX. The " Plan '' was to select and group ten purchases and pay one flat charge over a period of ( 24 ) months for {$110.00} on a {$2200.00} grouping of charges. Problem 1. {$480.00} out of my {$1500.00} balance as of XX/XX/XXXX, is residual " unpaid interest '' from the created plan that American Express solicits and offers its customers. Purportedly, to better manage high unpaid outstanding balance. American Express claims it would save the customer interest over a period of time. However, American Express, as a " banking subsidiary, '' does not disclose the actual ( APR ) interest rate on its " Plan-it '' program. Problem 2. When a customer pays on a single credit card account. He/She is paying toward the total outstanding balance, which includes, principal plus, interest. Question : Then why can American Express arbitrarily determine which is principal, and what is interest, if a customer decides to pay off or significantly reduce his/her total balance, and thereby eliminating aggregate interest charges before the " 24-month Plan-it '' term ends. What is the savings here? Problem 3. As a customer in good standing, I am uncertain whether I actually benefited from making the " Plan-it '' offer that was solicited to me.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: 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: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello my name is XXXX, my credit is really new with having under 2 years of credit. Never having any financial direction, i've made a newbie mistake to credit by applying for tons of credit without knowing the consequences. I have checked all three bureaus and noticed this something that prevents me from getting my score higher to apply for more credit. I've tried to get my hard inquires removed by contacting the bank but they never heard me out & treated me harshly by simply justing asking if this was possible. They were silly mistakes which won't happen again now knowing more about credit.
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: 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: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: I was a victim of fraud by a merchant who defrauded me with false pretense. this merchant went by 2 names, one being XXXX, and the other XXXX. After dragging and dragging, the merchant agreed to Im owed a credit and promised to refund 90 %. I agreed to 90 % to settle the matter after the merchant claimed he had some expenses and there he claimed I agreed to a 10 % non-refundable fee. In any event, in order to avoid further dispute, I agreed to settle for 90 %. The merchant provided confirmation in writing. I reported this issue to American Express but they denied credit reversal without merit. This is unacceptable. If American express understands the merchant was fraud, thats exactly my problem. Why reward the fraud merchant and leave me hanging without recourse? I demand American express to collect these refunds owed and to refund my account without any further delay. Please also review the letter from my attorney.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Since XXXX AMEX has lowered my credit limit from {$12000.00} to {$10000.00} due to my larger credit utilization from several family emergencies in XXXX. I have worked hard since then to drop my credit utilization from 90 % to 20 %. I have never missed any payments, had late payments, or had any account issues with any credit card companies or AMEX. I also always pay several times more than the minimum payment every month. Over the years I had reduced the high balances of two of the AMEX XXXX XXXX card ( each {$5000.00} credit limit ) to {$0.00} balances. Leaving only the XXXX XXXX XXXX card ( card number XXXX : balance of {$8700.00} of {$10000.00} XXXX. During this entire time period my credit score was increasing ( not decreasing ). In XX/XX/XXXX I paid off entire balance of {$8700.00} XXXX {$0.00} balance ) on the XXXX XXXX XXXX XXXX ( XXXX ). I have perfect payment history on all XXXX of my AMEX card accounts since XXXX. I have never missed a payment, had a late payment, or had any issues with my accounts. My credit score increased since XXXX every month, while my credit debt was exponentially shrinking ( see attached XXXX FICO report to show it shrinking ). On XX/XX/XXXX after attempting to make a purchase online for a friend who was paying me back with cash same day XXXX transaction denied ) on card ( XXXX ) my limit went from {$10000.00} to {$1000.00}. This left me highly ashamed and embarrassed in front of my friend. I called AMEX same day, after speaking with a representative from the Responsible Lending team they claimed that my XXXX XXXX score had dropped to XXXX and I had recent inquiries to credit ( my XXXX XXXX score is actually XXXX and my XXXX XXXX score is XXXX ) - see attachments. The representative told me to submit my financials to them. I explained to the representative that I would like to resolve the credit limit decease issue ASAP before they report it to the credit bureaus and potentially cause a snow ball effect with my credit score. She said she noted it on my account. I received a link to upload documents on XX/XX/XXXX - I uploaded the documents same day. On XX/XX/XXXX after making a {$9.00} purchase for a XXXX XXXX XXXX on a {$0.00} balance card ( XXXX XXXX XXXX XXXX - card number : XXXX ) with {$5000.00} credit limit, my credit limit was again reduced from {$5000.00} to {$1000.00}. Upon calling Amexs Responsible Lending department ( same day ) to speak with a a manager, I was denied. The representative claimed that the manager will not speak to me until they have fully reviewed my account. I did not get a call back. Only XX/XX/XXXX I called to follow-up with the Responsible Lending department and I spoke with a representative who informed me that I just need to send my XXXX XXXX score that shows XXXX to them so they can manually override the issues. She provided me with a FAX number : XXXX to AMEXs Credit Bureau Unit. I again explained that I would like to resolve the credit limit decrease issues before they report it to the credit bureaus and cause a snow ball effect on my credit score. She said she noted it on my account. I spent hours preparing the requested documents during the holiday to quickly submit the requested documents same day. Only XX/XX/XXXX I called to follow-up on the FAX sent and the Responsible Lending department representative explained that I was given the wrong FAX number and that the Credit Bureau Unit will just destroy all of the documents I sent. The representative provided me with another FAX number : XXXX and asked me to FAX my documents to them there. I spoke to a supervisor and he confirmed the FAX number, I again reminded the supervisor that they need to expedite my paperwork, because my monthly statement closing times were coming up and that I want to fix the credit limit issues on my account before they report it to the credit bureaus and cause me financial harm and a potential snow ball effect on my credit report - the supervisor said he noted my account and marked it urgent. I resent two sets of the documents with a summary of my case to them on the cover letter ( please see attached FAX confirmation for the two FAXes ). I then called again to confirm the number one more time with AMEX Responsible Lending department and it was confirmed. Only XX/XX/XXXX I called to follow-up on the FAX and the Responsible Lending department representative explained that they received no FAX ( see attached FAX reports confirming FAX sent ). The representative then claimed that my name was not on my financials that I had sent ( it was, and after a lot of back and forth they dropped it - but I have no idea the status or outcome ). The representative them requested that I give him 48 hours to 5 days to investigate the FAX. I again reiterated the urgency of resolving the issues before AMEX reports it to the credit bureaus and cause irreparable financial harm to me. The representative again said he noted it on my account. My credit score over the years has only increased and not dropped, so it is very odd and strange that AMEX would now choose to reduce my credit limit so dramatically by reducing it over {$15000.00}, when I have never missed a payment, I have perfect and excellent payment history on all my accounts with AMEX and with all of my credit card companies. In fact throughout the entire COVID pandemic I paid of more balances. Especially since I just paid off my $ XXXX balance and kept XXXX balances on my other 2 AMEX cards. I have also had my AMEX cards since XXXX. My credit card debt has shrunk by 90 % over the past few years, after I had several family emergencies in XXXX. I have been nothing but a responsible individual - paying off my high balances several times, and always making payments on time and paying several times more than my minimum payments every month. This now feels like a highly intentional, calculated, and deliberate attempt by AMEX to not resolving my issues in a timely fashion and manner. It also feels as if AMEX is deliberately creating a circumstance to which they sabotage my credit score and directly cause an unfavorable situation for me financially - to create the very thing their company claims it is trying to protect itself against. This self-fulfilling prophecy and snow ball effect directly caused and created by AMEX appears to be calculated and highly intentional, or AMEX is highly negligent and inefficient. Either way they are on a path to cause irreparable harm to me. They have already caused me enough mental, emotional, and psychological pain, suffering, and embarrassment.
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
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: 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: 11219
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
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: I purchased glasses from XXXX XXXX on XX/XX/XXXX for {$89.00}. When the glasses were received, they were not made correctly or made to the wrong prescription. I could not see out of them and they were blurry. I contacted the company and provided another copy of prescription and they verified that was what they had. They instructed me to send them the glasses to see if they were made correctly. I sent them and received conformation that they were received. Several weeks later, the company insisted that they were made correctly and would not refund my money. I opened a dispute with American Express. They ruled in my favor three times and then changed their mind three times. The last time, they sent an email stating I would have to pay but when I called, the agent told me the email was incorrect and I did not have to pay. Several weeks later, the charge was again placed on my card. When I called again, this time I was told that because I ordered them, it was not fraud and there was nothing they could do because that was the company 's policy.
Company Response:
State: MO
Zip: 64068
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A