Date Received: 2021-07-01
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: CA
Zip: 90240
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express charged annual fees for my Gold Rewards and Hilton Surpass credit cards during the pandemic when we were in a global lockdown and any travel that was permitted following select openings involved weeks of quarantines on both ends of the travel. My family got covid during the pandemic and we were in lockdown for a period. The fees charged are specifically for perks offered by American Express and their travel partners, including the ability to accrue additional points. This is all meaningless if you can't travel. In the middle of the pandemic, on XX/XX/XXXX and again on XX/XX/XXXX, I was charged annual fees of {$250.00} each year for my Gold Rewards card ending in XXXX. On XX/XX/XXXX and again on XX/XX/XXXX, I was charged {$95.00} annual fees each year for my Hilton Honors Surpass Card. On To elaborate on what the annual fees get you, I'll give an example with the Hilton Surpass Card. You receive Gold Status, extra points when you stay at Hilton properties, priority pass select that gives to access to airport lounges, and no foreign transaction fees. I don't even know where to start with explaining how absurd it is that American Express is not refunding these annual fees, but almost 4M people have died from covid and they were charges these fees at times when bodies were being stored in trail ers because we ran out of room. Yet, fortunately, I was charged fees so I could go travel the world and stay at Hilton hotels and buy plane tickets on my Gold card. Bottomline is I paid fees for services and features that American Ex press was not able to provide because we were under governmental lockdowns and their travel partners were closed or heavily restricted for much of the year and are still restricted in many respects.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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. 130 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: 079XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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: per complaint # XXXX, American Express has stated they have issued a credit of {$530.00}. This is incorrect. American Express only issued a credit of {$310.00} to our account and then refilled us for it in the next billing cycle. To begin, I filed complaint # XXXX with the CFPB and a similar complaint with the Attourney General of Texas. In response to the complaint filed with the CFPB, American Express stated they have credited my account in the amount of {$530.00}. I then received a letter from American Express on XXXX XXXX stating the following : " ... we have issued a permanent credit for the amount of {$310.00} ... that will appear on ( our ) upcoming statement '' They failed to credit the full {$530.00}. HERE 'S MORE FRAUD, on XX/XX/2021 I received a letter from American Express stating " We received notification that the charge ( of {$310.00} ) no longer concerns you. Since you no longer dispute the charge we have removed the previously issued credit ( s ) and rebelled your account for {$310.00} ... '' I NEVER GAVE ANY CORRESPONDENCE INDICATING THIS. American Express is NOT refunding me the two charges per complaint XXXX. They responded to the CFPB that they have credited my the full amounts of {$310.00} and {$220.00} for a total of {$530.00}. THEY LIED. I am being defrauded. I have called over a dozen times and American Express will not resolve the issue. THEY LIED TO ME, MY WIFE AND THE CFPB. I believe this to be INTENTIONAL and PERVASIVE practices that DEFRAUDING CUSTOMERS AND CAUSING HARM. I would wager a bet that these are both criminal and civil in nature. I would also have a VERY strong inclination to believe that this could be large enough to constitute a class action lawsuit.
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
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: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/21, I was checking in for my Delta airlines flight that was departing in 24 hours and a Delta Gold AMEX credit card offer was included on the check-in page which states " SAVE UP TO {$60.00} EACH WAY ON FIRST CHECKED BAGS ON DELTA FLIGHTS For you and up to 8 additional travelers in your reservation today when you apply and are instantly approved '' ( webpage attached ). The terms and conditions of the credit card were provided which I attempted to read and comprehend. As the {$99.00} annual fee was waived for the first year and the baggage fees for my trip were totaling {$120.00}, I applied for the credit card as I wanted to take advantage of the free checked bags. After applying for, and receiving confirmation I was approved for, the AMEX credit card and receiving my Skymiles # to add to my reservation, this step did not waive the baggage fees. I contacted AMEX to retrieve my newly approved account number so I could use it either online for my check-in at at the airport and I was informed that I would need to provide my physical credit card at the airport to waive the fees and that they did not have an account number to give me yet either. They referred me to the terms and conditions, which state " New Card Members and Card Members upgrading from another Delta SkyMiles Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express ''. As flight check-ins are not initiated until 24 hrs before flight departure, there would be no way any person applying for this benefit would be able to utilize it in their " reservation today '' as the ad deceptively touts. AMEX was not unable/not willing to provide a statement credit to cover my baggage fees. The bottom line is that the ad is deceptive in its promotion that can not be realized as stated.
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express issued a business credit card to my business. However after I was unable to pay the bills b/c the business flopped. Amex proceeded to sue me in court peronsally and hold me liable under a joint and several clause they put in the contract. I think this is a decieving move, and since I used an LLC I was sheilded from business debts. However AMEX was allowed to sue me and win arbitration due to the contract clause. My question is how is AMEX allowed to extend credit to a consumer or an indvidial without the proper UCC disclosure about cosign on the credit application. I believe AMEX is using unfair tactics. They should be investigated and fined.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A