Date Received: 2021-06-24
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: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
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 requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: 10950
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was taken advantage of in the past by American Express because I did not know who I was and the federal laws that protected me. I, XXXX XXXX d/b/a XXXX XXXX XXXX, am the ORIGINAL CREDITOR in this consumer credit transaction with American Express. I have proof that this is a consumer credit transaction because a finance charge is involved. I understand that pursuant to 15 USC 1605 that a finance charge is the sum of all charges. In reference to my last statement dated XX/XX/XXXX-XX/XX/XXXX, a representative from American Express told me that my finance charge was {$170.00}, however, requested minimum payment of {$300.00} due on XX/XX/XXXX which is well above the finance charge. As defined by 15 USC 1605 if the finance charge is the sum of all charges, why is American Express attempting to collect an alleged debt from me over the finance charge for credit that I extended to them? For this reason, I wrote to American Express, a debt validation letter and requested repayment back to me by check payable to XXXX XXXX XXXX pursuant to 15 USC 1692h. Instead of complying to my demands, American Express said that they were not a debt collector. However, I understand that the term debt collector is defined by 15 USC 1692a. ( 6 ) in which American Express uses USPS to send " statements '' with alleged debts that show in the positive. How can I make payments to a positive balance? Lastly, because it is a consumer credit transaction that involves a finance charge, American Express is in violation of reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies are liable as well for reporting inaccurate and invalid information without my consent or validation which is a direct violation of my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The account was 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: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on XX/XX/21 I was scammed into using my American Express card to purchase a XXXX Gift card for {$500.00} at a XXXX drug store. I already spoke to American Express and they suggested I contact you to report fraud. the drug store already put through the transaction and my card was charged for the {$500.00} charge. I wish to have this charge removed as it was fraud. a man named XXXX, said he was from American Express fraud section said that the XXXX put in a preauthorized request for {$2000.00} at XXXX XXXX on the XXXX and that I confirmed the request via my cell phone. I never got any request. He told me the card was for security reasons to negate the {$2000.00} request. The original fraudulent activity was from XXXX. I spoke to a XXXX at ext XXXX phone number XXXX ID number XXXX case number XXXX. XXXX XXXX me to the American Express number and it turns out to be fraud. just in the past 2 minutes I got a call from the XXXX XXXX person suppose to be from XXXX XXXX. I told him I was reporting this to the government right now
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Something is wrong with the way American Express in billing me, this never happened in the past, it's lately I am seeing this happening. In reference to my previous complaint no. XXXX, I see the same issue getting repeated over and over again. I recently made a purchase of AUD XXXX ( USD {$180.00} ) on XXXX. I made the payment of {$180.00} back to my AMEX card within minutes after the purchase. 48 hours later Amex increases the purchase price by an additional XXXX cents bringing the total purchase amount to {$180.00}. When the card is swiped in a foreign country in a different currency, Amex would convert the currency to it's equivalent USD amount in REAL TIME, and that USD amount would show in my transaction list. Then why are you doing this!? There is no foreign transaction fee in this card, then why are you raising the purchase price 48 hours after the purchase!? This got repeated two times in a row. This can't continue or I'll have to stop using this card.
Company Response:
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A