Date Received: 2021-07-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX XXXX all XXXX XXXX collection agency-attorney 's representing American Express Bank. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962. In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Approximately two weeks ago, I had received correspondence from American Express inviting me to apply for the AMEX Gold Card by XX/XX/2021, and offering me a substantial bonus of points if I did so. I understood this to be a pre-selected pre-qualified card offer, given the bonus points that were being offered. I applied for the AMEX Gold Card shortly thereafter but was denied. I applied for the AMEX Plum Card ( which has lower qualification standards than the Gold Card ), but was also denied. A couple of days later, I was sent correspondence stating that the reason my card application was denied was due to risky credit factors ( generally ). -- I am asserting that American Express sent a promotional offer/solicitation, for which it had no desire to follow through on. I am summarizing the aforementioned assertion as a 'bait-and-switch '. - The general risky credit factors that were AMEX 's reason to deny me the card, were already known to AMEX prior to me filling out the card application. Additionally, I already have an AMEX card ( secured ) ; due to this, American Express already has more details about my credit file than a 'potential customer '. -- American Express 's expected rebuttal of 'all credit applications are different ' is also countered, by stating that it is American Express that sent the solicitation to apply for the credit/charge card. It is American Express that pushed an 'urgent deadline ' to receive points, and it is American Express 's mailer/solicitation which did not contain any information indicating that the solicitation was a general-purpose solicitation or that credit was not likely to be approved.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Card opened in my maiden name under Serve that I never opened. Called Serve and the closed the account but wanted to report this as well.
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} ( recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. When I tried to make a purchase on the {$12000.00} ( XXXX XXXX XXXX XXXX ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. Then on another card today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX XXXX purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). I have done nothing wrong or anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX XXXX purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX XXXX pass
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I contacted American Express about paying off the portion of my balance that has the highest APR of 18.24 % - as of my last statement that was {$3400.00}. I also carry a balance of XXXX at a lower APR of 15.24 %. I made the minimum payment on my account for this month. Based on my experience with other Credit Cards, I should be able to make an additional payment this month and have that amount apply to the amount carrying this highest APR ; the XXXX. However, I was informed by two different service representatives with American Express that any additional amount paid to American Express would be applied, in my case, to the amount with the lowest APR.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 I received an email from a company called XXXX, which I found is located in XXXX, MA. They were notifying me of a {$180.00} charge for continuation of my membership in a genealogy company called XXXX. After a bit of investigation I am still not sure how or why they are involved in this transaction. I do know they have MANY complaints against them for various reasons. all of which seem to involve bills for merchandise or services never ordered, let alone delivered. Their email indicated the charge would be applied to an American Express credit card I lost last XXXX. I had cancelled the card as soon as I found it missing and American Express assured me there were no charges made other than mine, and there was no outstanding balance. I was sure the card was gone, but I called American Express to make sure. To my surprise I was told by the American Express representative the old card umber was still open to those merchants with which I had set up an order for automatic annual renewal of subscriptions, dues, etc. I could not believe what I heard. I asked why and was told it is a benefit offered American Express customers for their convenience in not having to reestablish the order in place. I asked if it did not also benefit the merchant or organization and the Rep. reluctantly agreed it did. I then asked why I was led to believe the account was closed when it wasn't and now there were two active card numbers assigned to the account - supposedly the only charges that are accepted on the old number are those from merchants with the renewal acceptance in place. I then asked when and how I would have been informed of this process and the answer was something about the " fine print '' on the agreement I got when I signed up for the card initially. HE DID NOT SAY ANYTHING LIKE WE tell our customers when they apply for a card or call about needing a new card. That seems to be the point the customer needs to know about the account continuing to be open, just not to everone. I truly did not worry about the notice I got from XXXX because I thought the card was closed. I did asked when American Express initiated this policy and the Rep. did not know. He was also very adamant this was a problem with the merchant, not American Express. The credit card company was only following policy. He did finally tell me he had cancelled that part of the card, but would not admit any wrong doing, just it was my responsibility and American Express only processed the charge, I then contacted XXXX XXXX about my Visa Card and was told basically the same thing - it is a benefit in place for the card company customer and my real complaint was with the vendor. This Rep. also could not tell me when the policy was initiated. She did tell me the get as many complaints from customers for not having the benefit continued, but that made no sense to me because I was told it was continued for everyone. I do not know in what circumstance the card company would receive complaints about renewals that were not automatically continued as I was told they are. I also talked to XXXX - at least I think I did. But I am going to double check that. They were awful. They refused to refund my money and said I should have opted out of the process if I had known my credit card was still active. They never admitted to knowing the credit card company and XXXX knew the charge would go through. Neither credit card company, nor XXXX, wanted to discuss XXXX 's role in all of this. I honestly believe it is is a scam being run on unsuspecting customers. XXXX has a long list of complaints against them for refusing to refund money obtained through similar processes. The XXXX rep finally sent an email with instructions for changing my renewal options. When I read them I know why I couldn't figure it out - the only way to access an account on XXXX ' website is to know the code. It is hidden in a drop-down menu that says nothing about accessing your account. XXXX sent me to my account with them, and also to XXXX 's website where I had to opt out of of the process also. This entire process sounds very more and more like fraud to me. I know you only deal with financial institutions, but if you have any information on XXXX I would appreciate it. I would also like to know if there is an association between credit card companies and merchants using an automatic renewal process
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: American Express overcharged me interest from XX/XX/2019 to the present, going up twice in cost, which ultimately doubled my finance charges. I called them today to find out why, and after speaking with 4 different people, no one could say. So, now someone is supposed to call me back. They did lower my interest rate one step below, but did not offer to pay me back the interest that I have been overcharged. It was a real joke when " XXXX '' said that well, it is based on prime/libor rates. I told her I was in finance myself and rates have gone down the last 2 years, not up ... so that isn't going to fly with me! Very disappointed in what I thought was such a fine company.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/21 I attempted to transfer points from my Amex rewards account to my XXXX XXXX account and was told my account was frozen. I called and was told there was 3rd party fraud suspicion. I had logged onto my Amex account on my phone requesting the transfer. Amex told me I would have to wait at least 7 days for a review. I was trying to purchase award seats on XXXX XXXX that had just opened up and I will lose the opportunity if my points are not released by Amex immediately. No one at Amex I spoke with could find any evidence of fraud to my account.
Company Response:
State: CA
Zip: 92106
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: AMEX SERVE National Bank on XX/XX/21 at XXXX, Monies were fraudulently taken from my account at an ATM Location in XXXX. a total which was in excess of {$700.00}. The alert was sent out to the app. Immediately I notified AMEX FRAUD Division. All submitted documents will explain the timeline. on the first application, I had included all the fees charged. The first time I was denied, I was told to not include service fees for they were already returned to me. To resubmit the application minus their fees which I did. the second application resulted in denial again and to send a letter to their fraud department in Georgia. Which was on the third last attempt due to COVID. I am a XXXX in the frontline I was distracted. but contacted Serve fraud and they asked that I resubmit ... which with understandably so with delay was submitted. I never got a formal answer from the fraud department which was necessary for me to include the local law enforcement at the XXXX XXXX in this recovery. Whether it's unwilling or duplicity on their part. That is the question. submitted are the necessary documents that were requested. The last delay was due to COVID Thank you for a hopefully positive resolution
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
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: 10977
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A