Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been an AMEX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I wanted to summarize my unfortunate situation where Amex refused to honor one of their Amex credit card products welcome offer when the online application successfully went through with offer confirmation from Amex representative at time of application. On top of that, I also received solicited application offer for the same card that was mailed to my physical home addressed to me from Amex at time of application. Since then, I met all requirements by now and only then Amex is telling me that they will not honor the offer. Spoke to multiple Amex reps since the complaint where they claimed investigation was done and that decision is final that they would not honor it without valid and detailed explanations despite their mistake and misinformation during my application and failure to explain why only now months later am I told I dont qualify for it. They went through the recorded phone calls and confirmed/admitted the mistake made by Amex rep and said that they will improve their coaching in future. Amex did not show any remorse and did nothing else to compensate for the mistake they caused that significantly impacted my situation. I was denied a subsequent request for further investigation and escalation. I do believe I have my consumer right for a fair and thorough investigation.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I sent a letter via mail over 4 months ago requesting a cease and desist in regards to contacting me about a debt. The statute of limitations expired over 4 years ago. The company still continues to harass me with letters each month. This morning XX/XX/21, I received a call from an XXXX guy that I could barely understand regarding the account. They are clearly violating my rights when I have requested that they STOP contacting me.
Company Response:
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an account with American Express which they sent to a collection agency in order to collect from me. I paid the full amount and American Express recorded that I had satisfactorily paid the account off. This was about 2 years ago and earlier this year a collection agency called me, identified themselves as American Express Legal Department, and asked me to pay a sum of over {$4000.00} for the account which was closed 2 years prior. They stated I still owed American Express the full amount, they were extremely rude and refused to give any information in written form. They stated that I have all the information and they were not obliged to provide anything. I immediately called American Express and initiated an XXXX case Ref. XXXX. I provided them the information and phone number ( XXXX - the fraudulent call was from this number that answers as American Express Legal Department ) of the caller and the they acknowledged/confirmed that this was the collection agency they have a contract with to collect. The agent called the number and the person who answered said they could not locate my account information and refused to help us further. The AMEX agent who opened the case said they would refer this to their back office and that someone would follow up with me. I never received a call or any communication. Today, XX/XX/XXXX, I received a call from XXXX again and a guy advised me he is from American Express ' Legal Department and he needs to collect over {$3000.00} from an account ending in XXXX. I asked him to please send me information regarding this debt via e-mail, he replied that they have already provided me with the stipulated details in the past therefore he does not need to send me anything. I now asked if he was actually refusing to provide any information via email and after a long quiet pause he advised me that he needed my email address and other personal information so he can update his records. At this point I advised him that they had all my information and to please send me the details of such debt to the e-mail address that American Express has on file. He then stated he needed information, paused again and then hung up. I called American Express at XXXX to report the fraudulent activity and asked the representative to update my XXXX case. She updated the case with the above details, apologized that I was going through this and then advised me that she could not do anything to help me. I asked for a supervisor or someone in a legal department and after placing me on hold she came back and told me no one could help me as this is a closed account and they are not responsible for the Debt Collection Agency 's activities. At this point I advised them that if they can not protect me from the company they hired and given my personal information to then I'd have to report them to the FTC and seek legal counsel. She replied by advising me that she could no longer talk to me because I mentioned I may open a legal case against them. I believe that this collection agency is acting maliciously and fraudulently attempting to collect thousands of dollars from me, they are extremely rude and threatening and American Express is doing nothing to protect me.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I got the American express prepaid card I bought it on the XXXX of XX/XX/2021 it sais {$1.00} to load monthly service fee of {$6.00} monthly the first charge on the card is XXXX i try to speak with customer service they keep intentionally hanging up on me
Company Response:
State: KY
Zip: 42718
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
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: 2021-06-09
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: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
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: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I was hospitalized for about 30 days pretty much within the XXXX during this time my account in American Express card was compromised I have sense upon being released from the hospital contact American Express Serve filed a report with in and filled out all the paperwork they requested as well as submitted additional paperwork like my medical records showing While the charges were made I was in the hospital they don't generally have shopping available there. I also file with them my identity theft report with the report number pray for them to look and see that I've also filed a case I with told my claim is denied on the 10th day as I assumed they would because that way they don't have to pay out a provisional credit and then I asked them to reopen it that they did not reopen it and I got a hold of the corporate Executive offices they have this points said they would look into it but they were American Express and American Express Serve its kind of different but day to talk to the manager give me that was odd because that's the office of the vice president of the company don't know how he wouldn't have some sort of influence her stay and them really investigating into this and just looking to see medical records show I was unavailable to make these purchases a I'm aware of who dead and I have tried to file a police report I was told that it was a family court matter because the person living in the house and being under 18 these matters are settled in Family Court not generally a criminal court where it's different I was told I don't know I talked to a lawyer I talked to a couple police officer and then I talked to the city prosecutor and they told me that's the way I would have to address it. he also took my phone which brings me to their first reason why they're claiming they're denying the claim my cell phone has nXXXX as well as XXXX XXXX I store all my logon information I store all my PIN numbers I store all of my debit card numbers in that in there to use them for automatic payment and just in case I need a digital copy somewhere and he was able to get into my phone because when the XXXX smart watches by the XXXX phone if the features already turned on it unlocks the phone give him full access but that's not my fault I press charges tried to and I'm doing it to family court I have filed a identity theft report I have in an orderly And Timely fashion provided all records requested and additional ones to support my claim that show that this was not me
Company Response:
State: UT
Zip: 84067
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2021 - I purchased 3 XXXX Airline Tickets with my American Express Platinum card for travel dates XX/XX/XXXX - XXXX. XX/XX/2021 - We checked in at the XXXX XXXX XXXX and my 3rd ticket ( which was purchased for my son ) was not recognized for free first checked baggage and I was charged {$30.00}. XX/XX/2021 - I contacted American Express Customer Service number on my card ( XXXX ) and spoke to XXXX who put a watch on the charge. XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX. I explained that I was charged for baggage on XX/XX/XXXX and XX/XX/XXXX and I should not have been charged. I explained we checked in via the XXXX XXXX at both airports and my sons flight was charged the baggage fee. He put a watch on both charges. XX/XX/2021 - I received an email from American Express that the {$30.00} charge was posted to my account. XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained the charge again. This time I was told that the charge was for excess baggage and I would have to contact XXXX XXXX to resolve this matter. I requested to speak with her supervisor, XXXX came back on the line and said she spoke with her supervisor and they will credit the account {$30.00}. I insisted on speaking with her supervisor, and finally, she got on the line. XXXX was her name and she assured me the charge would be credited to my account within 24-48 hours. XX/XX/2021 - I received an email - see copy of email attached. XX/XX/2021 - I contacted American Express Customer Service ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained my situation, again, she said she would change the dispute and I would see a credit within 24-48 hours. Needless to say, I am canceling this card once this matter is resolved. I did not have excess baggage and was charged for baggage that I should not have been charged for and I was unable to resolve the charge at the airport, expecting that American Express would be able to assist me with this matter. I was wrong. I would greatly appreciate any assistance your office can provide to resolve this matter. Thank you in advance for your assistance. Best Regards, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A