Date Received: 2021-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In 2020, upon receiving a points incentive XXXX XXXX points XXXX to renew my American Express Platinum card for a {$550.00} annual fee, I agreed to renew my card for another year. This year, I tried to cancel the card but American Express told me I would have to return the points given last year if I cancelled it. The reason given is that the condition of receiving the points was that if I were to cancel before the year was up, I had to return the points - the representative calculated that because I agreed to renew the card on XX/XX/XXXX, I had to cancel my card on XX/XX/XXXX in order to not have to return the points. HOWEVER, I was told that I have to cancel my card PRIOR to XX/XX/XXXX, i.e. by XX/XX/XXXX, in order NOT to be charged the {$550.00} annual fee, as that was the deadline I had to cancel the card and not be charged for the annual fee. So this difference of ONE DAY, due to some kind of technicality in calculating the days, is making me unable to cancel my card without the penalty of having to return the XXXX points I was given for renewal ( and I've already spent the points ) and I think this is unconscionable and a way of forcing card holders to keep renewing a card that they no longer wish to renew.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I received an email from American Express regarding my Hilton Honors credit card stating that my credit limit had been reduced from XXXX to XXXX. A secure message was attached stating that American Express had taken this adverse action due to my XXXX credit score dropping to XXXX. The letter also stated that I had numerous negative items on my credit report. This is not true. I immediately pulled my credit reports through XXXX and XXXX and I had no negative accounts and my credit score is close to XXXX. I then contacted XXXX and XXXX verified that my credit report reflected no negative items at all. I have no idea why American Express is stating that they pulled my score and it was XXXX. I am assuming either there was a technical glitch or they pulled someone else 's credit. I have been a proud American Express member since XXXX and hope this issue can be resolved. As anyone can imagine, opening a message stating my credit score was XXXX was alarming and extremely stressful. I contacted American Express customer service and the agent was confused as to why this happened to me. He did state that I could pay down part of my balance to see if the limit could be reinstated but was not certain. I don't mind doing this however my main concern is how American Express got seriously wrong credit information that caused the credit limit reduction.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2021 I was at the XXXX XXXXXXXX XXXX In XXXX XXXX stranded when I tried to use my American Express XXXX, and they all declined : On XX/XX/2021 I went online to pay my bill and the system would not allow me to pay American Express, so a few minutes later I saw a red dot, and the word cancelled on all my accounts, the bills were not due until the XXXX, called them to pay them over the phone, and was treated like some type of a thief the agent took the payment and said hold on, there is a note that says '' call the banking institution to make sure funds are available, I was a shame that and my XXXX XXXX jump to XXXX because of the embarrassment, the agent was asking the bank agent did I have money in my account and the bank agent was asking me, is it okay to answer, I was told humiliated and when I asked the cancellation the department why would you all do this to me since I ve been your customer for over some XXXX years, after i explained to him I had been almost killed by XXXX, and that the XXXX account that was used probably was the one cancelled by error after I had complaint to them that i never received the new debt card that had been since to me prior, so they cancelled it for me, since I was in florida with my daugther from XXXX until XXXX due to her illness. I was told that they looked at my fios score, without my consent, and they notice a lot of hits, that I had no knowledge of, I did explain to the agent that XXXXXXXX XXXX had contacted me about fraud on my account and it was handled with professionalism
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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: 90036
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Amex is refusing to waive my interest charge despite that fact that it's my first month with my new card and I thought I already had auto pay set up.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021, I made a payment for {$300.00} to my American Express credit card using XXXX XXXX XXXX. American Express is stating that they have not receive the payment, however, XXXX XXXX XXXX sent documents that the payment went through and they've debited my checking account of {$300.00}. We're XX/XX/2021 and American Express have not credited {$300.00} and XXXX XXXX XXXX debited my account {$300.00}.
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
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 was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A