Date Received: 2021-06-14
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: I purchased product from a handbag merchant called XXXX and used my American Express Card going through XXXX for {$180.00}. I never received my purchase. I filed a dispute with American Express, they withheld payment. The merchant finally mailed my product so I closed the dispute and American Express advised they would chargeback. I contacted XXXX who adv they are waiting for the chargeback information from American Express. When I contact American Express they advised they have completed the chargeback, but the many XXXX Representatives I have spoken with advised there is no communication from American Express. I have placed numerous calls to American Express and XXXX, but continue to get the runaround. I wound up paying XXXX {$180.00}, since I did receive the product. I need the XXXXAmex to be rectified so XXXX can credit the original charge. This has been going on for over a month.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Every time I make a payment American Express forces me to verify the funds by calling my bank and reviewing my private info by forcing me to call my bank. I feel violated. Its been going on for over 6 months now.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for an American Express XXXX XXXX but can not access the points I have accrued. They are listed on my account page as available and when I call in they say they can be used, but when I try to transfer them there is a hold on them. I am trying to purchase an airline ticket ASAP using the points but can not because of this hold. I have called the company several times, been placed on multiple holds, but nobody can tell me what the hold is about nor allow me to use my points, which of course I have earned by meeting the spending requirements and paying the sizable yearly fee. Amex should immediately allow me to use my points per the terms of my agreement and add at least an additional XXXX points to my account because I can not use the points that I need to use to book a ticket in a time sensitive manner.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I checked my American Express account after receiving notice that I was charged a late fee. I was not supposed to have a balance in the first place because a balance transfer of {$360.00} was supposed to have occurred. XXXX XXXX XXXX had approved a balance transfer from the American Express account. However the charges still remained on the American Express account. I also was charged a {$40.00} late fee for not making the XXXX payment. When I called to speak to a representative she said that American Express changed their policy and weren't allowing balance transfers during the pandemic. The information did not sound correct to me. She said all she could do is wave the late fee for me. Then she said my account maybe subject to APR penalties because of the missed payment. This is not fair at all. I called another American Express representative and he said this should not have happened. But it did.
Company Response:
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have this accounts that does not belong to me and i want it to be remove from my credit report. 1. Identity Theft AMEX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 2. Identity Theft AMEX Account Number : -XXXX**** This is not mine. 3. Identity Theft XXXX Account Number : XXXX**** This is not mine. 4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. American Express Index XXXX. I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by XXXX debt buyer attorneys. I have never received any information regarding anything from this XXXX at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
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: AMERICAN EXPRESS - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have an American Express with rewards of air miles. Ive never used the Miles and have nearly XXXX. When I tried to book a flight the program would not let me. When I called customer support they said there would be a NINE hour wait, so there is no customer service. I tried to call XXXX and they said they could book a flight but I could not use my miles. This appears to be false advertising because they are not offering what they said came with this card. They gave no answers for anything. I can only think maybe XXXX has gone bankrupt, but they could tell the customers the truth.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Since XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX enter has a consumer credit account with American Express.according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. XXXX XXXX XXXX XXXX is aware and has proof in attachment labeled as Exhibit C that American Express is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. American Express in fact took cash as shown in attachment labelled as Exhibit A and B. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1666d. American Express did not credit the amount of the credit balance to the consumers account for consumer credit transactions. American Express did not refund any part of the amount of the remaining credit balance. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1692g American Express did not validate the alleged debt. and ;
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A