Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My American Express account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. The account was given to XXXX law. They reported this while in dispute and in Covid. They violated my rights under the FCRA..
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: on XX/XX/2021 I called American Express serve because i could not log into my account They told me that it was suspended and blocked and did not tell me a reason. Before today I called ahead because I was cashing out my stock and it was XXXX. IT CAME FROM XXXX. They locked up my funds and that's a lot to lock up. I even called prior to ask the limits and they advised it would be okay. I just want them to either unsuspend it or send it back to XXXX so I may use a different bank man!! This XXXX because I am sure they are going to find a way to take it
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called on XX/XX/21 to get my late payment fee waived. When I spoke to the agent she said she's unable to do it. A previous agent I spoke to around XX/XX/XXXX said they do it once my balance is up to date. The late fee is {$40.00}
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: American Express allowed a 3rd party to take over the account. They were notified for a period of more than 3 years about this issue. Eventually, a Equal Rights complaint was filed notifying this company of the interference of the 3rd party continous and ongoing. CFPB was contacted and notified of the actual account holder being daily denied access online, in person, on the telephone without use of her card or billing statements. American Express ignored the notifications continously and ongoing. American Express knew or should have known about the blocked account, and the card holder informed American Express but again ignored locking the account holder out for 3+ years. The account holder is protected from theis type of fraud stemming from the take over on her account, and no access. American Express did not taken any steps to secure the account from fraud and took no steps to correct this issue. American Express is ultimately responsible for the account being taken over by a 3rd party.
Company Response:
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: When my husband lost his job I closed my American Express account unaware that I would have to pay the balance in full. After alot of back and forth I was set up with a payment plan through a collection agency. I was assure that the my account and credit reporting information would show current. After paying the collection agency for over a year on time American Express XXXX XXXX XXXX 'd my account and sold it. They said I was past due even after I explain my arrangement. I then pulled my credit report which showed past due for all the months I paid on time. I got a letter a few months after contacting them and was told they made a mistake and corrected my credit report to show on time for 6 months. I heard nothing more from them. I called today after pulling my credit report again and finding they are still reporting me past due and attempted to make arrangements again. They agreed to a monthly payment of {$100.00} until they account was paid but stated they would continue to show me past due until the account was paid in full. Paying on time every month will do me no good in repairing the credit they destroyed.
Company Response:
State: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is filed as a result of American Express continued falsehoods and misrepresentations about XXXX credit card debts but owed by by me but corporate debts. Regardless of their written representations which are now all new evidence in a potential lawsuit where they keep burying themselves into legal complications and think they can escape their conduct with no legal impunity. For the last time, making representations thst are not supported by any documents are just conjectures and hearsay and not statements of facts : 1. In previous letters, you made allegations that you can not substantiate as true statements since you do not have any account applications and credit card agreement signed by me for the business credit cards involved. The law is clear and without any evidence, the law firm you hired is simply mishearing you. 2. In the communication you sent today XX/XX/XXXX in response to last complaint filed on XX/XX/XXXX, American Express is obviously desperate in claiming that I claimed credit card fraud and had the audacity to send me a fraud claim form to file with the police which I immediately rebuffed in writing. My claim of fraud was not about anyone using the corporate credit cards without authorization. MY CLAIM OF FRAUD WAS ABOUT AMERICAN EXPRESS BEING THE PERPETRATOR OF FRAUD BY CLAIMING CORPORATE CREDIT CARDS ARE INDIVIDUAL RESPONSIBILITY WITHOUT ANY PROOF. American Express is the accused. Please do not twist my claimSMS tomake it appear that I raised any third party claim. American Express and its unethical law firm are the fraud perpetrators. 2. In your XX/XX/XXXX response, you made additional outrageous claims that the payments were made from my personal XXXX XXXX account. This is untrue and a lie. All payments were made from the bio account of the card holder, the corporation. 3. As a corporate citizen, American Express can not continue to spew lies and malicious statements with no impunity even after a law firm was hired to represent in this matter and the law firm was doing the same. Your written words matter. Thus, you can not simply state that payments were made from my personal account with no proof. You need to provide proof that payments that payments from XXXX to XXXX from the time the accounts were hems these payments were made from my personal account. There is no such proof. 4. You continue to send me harassing and unsolicited mail and emails. You claim that you would stop, but did not sbd continued to do so after your stop and discontinuance letter only to fool the CFPB. At this point, a complaint will be escalated to the Federal Trade Commission against American Express for fraud, a complaint will be sent to your CEO who may not know about the conduct of lower level employees at Customer Service who have been sending all the letters with false claims and the collection law firm who had forged false documents to continue to harass me. The same complaint will be sent to Congress woman XXXX XXXX with oversight over the financial services committee as Chair and other N.Y. Congress and Senate to hold American Express accountable. Unless you are 100 % sure, you can not continue to make false statements in writing as all these false statements that you can not support with evidence will be squashed with rebuke from a judge in a court of law. What is the incentive for American Express expect for unethical low level employees in collection to be overzealous to make false statements and representations to cover themselves to give the appearance they are pursuing a legitimate collection claim when their claim is not legitimate. I have attached your own letters and contacts after the facts that continue furthering your legal harassment. Please cease and desist. You have no ideas of my abilities. I have a media presence and a higher media profile than your own CEO at American Express and can call any of the legal investigative journalists in my network to deploy fair and unbiased investigations into American Express and its employee conduct. I was a member of the media and can recommend thus matter be investigated and be exposed in the evening news at most major news networks and cable news shows.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Dear Team, i received a pre-approved credit card offer from Amex for my business ( sole proprietor ). it had a code as well and it looked like i have everything set and just need to apply the code in the letter. but when i completed everything it was declined/ refused and caused me a hard inquiry on my credit and reduced my credit score. i want Amex either to approve my application or remove the hard inquiry from my credit report in-result of misleading offer. thank you XXXX XXXX XXXX XXXX : XXXX
Company Response:
State: CA
Zip: 90717
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
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: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 Amex XX/XX/2020
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: From the communication I had with two of your phone operators I can safely conclude this matter would not be possible for a regular customer service agent to justify, it would be out of their league to justify unless technically and educationally qualified to interpret international finance. Regular customer service agents would fall back on the card 's terms and conditions to defend themselves without having no technical knowledge of what's actually going on. I made a purchase in XXXX dollars : XXXX XXXX. After making the purchase right away, as in literally right away I logged in to my AMEX App and saw the transaction in my transaction list in US dollars : XXXX XXXX. As we understand, when a foreign transaction is made using US dollars, the credit card would convert the foreign transaction amount in to XXXX " at the time of the transaction, '' not 24 hrs or 48 hrs later. I made the payment of XXXX XXXX to bring my balance back to XXXX. Hours later, I see the US dollar transaction has changed from XXXX XXXX to USD XXXX leaving me with a remaining balance of XXXX XXXX. I call AMEX. First phone operator says the {$1100.00} I see in my transaction history is in XXXX. I knew right away I am talking to an un informed and mis informed operator and asked for a manager directly but the operator rather preferred to have an argument with me. So then this is how it went - I told the operator that a US credit card company would never show a transaction amount on its app screen in any other currencies other than in XXXX. The operator challenged that and asks me to convert the ( so called, according to him ) " XXXX '' XXXX in to XXXX and it would result in XXXX XXXX. I told him that is not possible because the converted amount here would be a much bigger difference. I told him to convert it in his computer to which he said he already has done so and that's what he is getting on his screen. Although I didn't need to follow his stupid instructions, I did went to XXXX and converted the XXXX to XXXX and came up with USD XXXX. He preferred to continue arguing. Manager comes on call and puts the blame on the merchant. This has nothing to do with the merchant. I have got the invoice from the merchant, I gave the merchant my credit card details and the merchant has charged me XXXX XXXX. The merchant doesn't do all this conversion, it's AMEX who does the conversion. The merchant would not even know if my credit card is a XXXX credit card or a XXXX credit card or an XXXX credit card. The manager then says he would give me a {$8.00} credit. I asked the manager to convert the XXXX XXXX and he also came up with USD XXXX amount. So where is the justification for the XXXX XXXX, the manager did not have an answer to that. So you see, {$8.00} credit does not solve the actual problem. Because the problem is I would be using this card again and again, and this would keep repeating again and again with no justification from Amex. I have made foreign currency transactions before using this same card and at all times the conversion to XXXX happens in REAL TIME at the time of the transaction and shows up in XXXX in Amex transaction list right away. If I spend {$100.00} in XXXX, the Amex statement would convert it in real time and show the equivalent USD, IN REAL TIME at the time of the transaction. And that USD amount would not suddenly change after 48 hours, what happened in this instance - {$1100.00} after 48 hours changed to {$1100.00}. This has nothing to do with the merchant because the merchant charged me XXXX XXXX what they were supposed to. The only time this could happen if AMEX is charging a foreign transaction fee after the transaction. But if you are not charging a FT fee, then how would you justify this amount shifting to {$1100.00} after 48 hours? Because if this non sense continues I won't be able to use this card no longer.
Company Response:
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A