Date Received: 2021-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This is a follow up to my original complaint against American Express and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the account they are reporting with them. I've sent 3 different letters via the USPS Certified Mail and all were signed off on at American Express on XX/XX/2021, XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from American Express ' communication to me in response to my complaint with the CFPB ( Attached ). American Express has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( well past the 30 days of my dispute letter received by AMEX on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my disptute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to AMEX, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by AMEX not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the BBB and the Office of the Attorney General. Thank You for your attention to this matter,
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Amex is offering a promotion : " Starting from the time you enroll through XX/XX/2021 ( Purchase Period ), you will earn one {$15.00} statement credit each month after spending {$15.00} or more in combined eligible purchases of monthly wireless telephone services ( e.g. monthly service charges for your cellular phone ) purchased directly from U.S. service providers with your Delta SkyMiles Platinum Business American Express Card, during the Purchase Period, up to a total of {$160.00} in statement credits. '' I've put my monthly cell phone bill from XXXX XXXX on my Delta Platinum Business Amex card. XXXX XXXX is the wireless service provider from XXXX ; see XXXX XXXX XXXXXXXX/about/ However, the XXXX XXXX/month statement credit did not post to my account. I opened a case with Amex ; case # XXXX. Amex states : " As per the investigation details, Your transaction against merchant XXXXXXXX XXXX XXXX PAYMENT with merchant number XXXX does NOT qualify because it is a XXXX XXXX transaction and it is not considered to be its own standalone wireless service/provider because it is operated by XXXX, XXXX, and XXXX XXXX XXXX '' However, this is not true. XXXX is its own company, and XXXX XXXX is its own wireless service provider ; XXXX is not owned nor operated by XXXX, XXXX or XXXXXXXX XXXX
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX a notice of settlement was received from XXXX XXXX XXXX advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX XXXX in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. All 3 bureaus list alleged " AMEX '' account as closed and collection/chargeoff. Then on XX/XX/XXXX, Experian dispute results were received and there was an observation that on XX/XX/XXXX " AMERICAN EXPRESS 2 '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " AMEX ''. It should also be noted at time of inquiry neither " AMEX '' or " AMERICAN EXPRESS 2 '' had any open accounts listed on credit report. On XX/XX/XXXX a letter was received from AMEX that stated " This account has been assigned to AMERICAN EXPRESS ''. How can an account be assigned to a company that has already closed and charged off said account? How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: We were issued a {$250.00} digital american express gift card. The card was loaded via XXXX XXXX to my and my wife 's phones. The card was declined at four different retailers that accept both american express and XXXX XXXX The digital card was used in an attempt to pay for goods/services online, through several different retailers. The card was again declined at mulitple retailers, for amounts under the balance of the card. American Express has unhelpful. Multiple phone numbers they list simply hang up or are computer assisted only, without customer service representatives. I requested a statement credit on my Amex card we hold with them, declined. I requested a new physical gift card, declined. I was on hold for over two hours, and have not received any indication that we are working towards a solution.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2021, I received an invitation from American Express to apply for the Business Platinum Card. I applied and was APPROVED for the card, Ref : XXXX. American Express always sends approved premium cards overnight however, I still didn't receive my card, it's not even showing up in the system. I called them at XXXX XXXX XXXX XXXX manytimes and all I get is ; we're working on it.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
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: My name is XXXX XXXX and have an XXXX Amex card ending in XXXX, we bought some tickets last year before the pandemic to go from XXXX to XXXX and XXXX to XXXX in XX/XX/2020 on a XXXX leg of the trip. The XXXX leg was on XXXX XXXX and the XXXX was on XXXX airlines. Due to the travel restrictions and airlines cancelations, XXXX XXXX refunded our money but we are having issues with the XXXX leg of the trip. Its been months that we are trying to get the refund on the XXXX to XXXX leg. When ever we call Amex customer service, its been a couple of times we are asked to call XXXX airlines and have them send the refund. We are also told because your fee rules indicate there is no refund on this ticket. Nothing was clearly told to us that if pandemic hits and the flights are canceled we would not get the refund on that flight. We have XXXX little babies who were traveling with us and didnt want to travel with them and get sick. As we were uncertain of this travel we canceled the flight and did not wait to cancel it by the airlines. As it turns out XXXX cancelled the flights itself a few days later. Now we have an email from XXXX telling us we need to reach out to the reservation agent that is Amex to ask for the refund. Please advise how we can solve this?? We paid $ XXXX and no one is helping us fix this. We are so helpless and annoyed with this passing the buck between Amex and XXXX airlines that we will never use your services again in the future to book our travel needs.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This is a follow up of the following CFPB claim. My membership rewards account had been unfrozen. However, the 35 % bonus points did not shon in my MR account. I contacted Amex many many times via phone or chat, the agents always give me difference response. No one help me to solve the issue. CFPB Ref No : XXXX and XXXX Ref : XXXX and XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We processed your booking with pay with points. We can not restore your ability to redeem your Membership Rewards ( MR ) points at this time. We processed your booking with Pay With Points On XX/XX/2021 you booked your travel through American Express Travel. On XX/XX/2021, we processed the redemption of XXXX points towards your booking and issued a credit towards your account of {$11000.00} which is reflected in your enclosed XX/XX/2021 billing statement. We have temporarily suspended your ability to redeem MR points We have temporarily suspended your ability to redeem MR points while we review your MR account to ensure you complied with our offer terms, this includes the 35 % airline bonus when you use Pay with points to book your eligible travel or flight through American Express travel. We took this action within the terms of the MR program. If at the end of the promotion period we determine that you have complied with our offer terms, we will unfreeze your account unless there are remaining concerns.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: A few months ago I was offered XXXXmembership rewards bonus points to keep my Amex Platinum card open for another year, for {$590.00}, and I accepted the offer. But since then, for several weeks, my membership account has been unnecessarily frozen for review. It is deceptive to make me pay a hefty annual fee for membership rewards points, but then freeze the account for an endless review so that I can't really use the points.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was eligible for the wellcome bonus of {$200.00} about my credit card of XXXX. But AMEX declined this offer. This is a ridiculous fraud.
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is both an addendum and response to complaint XXXX where t XXXX, XXXX and XXXX XXXX continues to advance a false claim of business credit card owed by me on behalf of American Express by presenting an unsigned credit card card agreement that they apparently fabricated in their office by claiming somehow it is evidence of a debt owed when they know better or should know that the fabricated credit card agreement is invalid and has no legal merit since is not binding as an agreement or contract is binding and legal upon signature akckowelding the terms of the agreement. Despite knowing this or should know this as a basic fact, they continue to be engaged in unethical conduct at best and if not illegal conduct at best by claiming that an unsigned document which appears to have been fabricated by the law firm proves or validate that I, as an individual is responsible for a third party 's debt. American Express could not produce any credit card agreement since it does not exist but its law firm fabricated one. It is evident that the law firm fabricated the so called credit card agreement since American Express confirmed to me in writing and to the CFPB on XX/XX/XXXX with a letter dated XX/XX/XXXX which is a date after the law firm magically produced a credit card agreement that magically appeared since American Express does not keep records of credit card application documents for more than 5 years. In my case, these two credit cards in question were issued 9 and 7 years ago. See attached letter. If American Express does not have any such records, then where did XXXX, XXXX and XXXX XXXX obtain such credit card agreement unless fabricated which is the reason why the credit card agreement that you presented is unsigned. This suggests that American Express may not have fabricated the apparent fabricated credit card agreement but instead it was apparently fabricated by the law firm. Second showing the last payment made on the credit card is irrelevant since the company as the credit card holder made its payment monthly from XXXX to XXXX until they can no longer pay since the company operations were closed and these payments were made from the company 's account and not my personal account. I have no liability since this is a corporate credit card and not a personal card. As such, you must cease and desist promoting your false claim. Third, you continue to insist that I take the matter to the court when I have no reason to do so. If you insist on me taking this matter to the court, I will honor your insistence but I will not file a lawsuit in the court but instead will file an additional complaint with the Supreme Court of New York, Appelate Division, First Department with oversight over lawyer conduct to either fine or admonish your conduct as it is unethical for an attorney to knowingly advance a false claim supported by nothing except your representation that I have personal liability for your claim with no credit card application showing that I applied as a co-applicant or guarantor and such application is signed by me with a credit card agreement signed by me. These documents are called primary evidence. You have none. Further, it would be intellectual dishonesty to do so since the court understands the difference and nuances of business debts vs personal debts and when a principal in a business is responsible for such debts. In absence of any signed documents that the principal has agreed to guarantee to pay the debt of the business, your claim would be invalidated. You are behaving as if Cannon Law 1 DR I-101 Maintaining Integrity and Competence of the legal profession does not apply to you. How does it demonstrate integrity when you are using an unsigned credit card agreement likely fabricated in your office as evidence. Cannon Law 1 Dr I-102 for Misconduct. Does your apparent fabricated credit card agreement demonstrate competence for all the reasons described in previous complaints as well as captioned in the above texts and below texts. Fourth, I am an unrepresented individual so far and the idea that a non-lawyer is intimidating a law firm staffed with more than one attorney is only meant to raise eyebrows with provocative language. I am not using the CFPB to probe pre-litigation or intimidate attorneys as you claim but using the CFPB as I should to raise abusive conduct by creditors and attorneys where the creditor is maliciously trying to collect business debts by passing it as a consumer debts. The CFPB was created to prevent these types of abusive conduct. Fifth, I did not guarantee any debt for the credit card owner, XXXX XXXX XXXX XXXX XXXX since XXXX XXXX XXXX XXXX is a corporation and not a sole proprietorship where the owner and the business are the same and all liabilities of the business are the liabilities of the owner. Sixth, you keep mentioning litigation and urge me to litigate instead because you know that you have no cause of action to bring the matter to court on your own when your own apparent fabricated credit card agreement requires arbitration. You know well that your own apparent fabricated document would be sufficient enough to cause a judge to dismiss any case that your law firm would file with the court not only because it is signed by no-one and certainly not by me, XXXX XXXX and therefore invalid, but also upon reading the support documents in a possible summons and complaint, a judge would dismiss your case by granting my motion to dismiss since the court would lack jurisdiction over the matter if your apparent fabricated credit card agreement is relied upon for a cause of action since the court does not arbitrate and your apparent fabricated credit card agreement requires arbitration. Additionally, even if your law firm were to file a demand for arbitration, I do not have any obligation to respond as my response would be voluntary since I am not a bound party to arbitration since I did not sign any previously written agreement between me and American Express to pre-agree to arbitration which would have been binding. You are further aware that I am not bound to respond to any demand to arbitrate which is why you are encouraging me to take the matter to court instead and you will respond since you know that your case will be a loosing case if you were to take it to court yourself since you have no primary and direct evidence for the claim that you are advancing. To that end, you must stop all legal harrassment and pursue collection of the debt against XXXX XXXX XXXX XXXX, the party responsible for the business credit cards. The business doe snot have have a legs and hands and obviously someone had to submit the application on its behalf and sign the application on its behalf which is all I have done as an agent.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A