Date Received: 2021-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Company Response:
State: VA
Zip: 22801
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: To whom it May Concern : I applied for credit from American Express Serve only because my account with XXXX and XXXX was closed. I contacted XXXX and XXXX and they said for them to credit me the date of the transaction. This is what XXXX done to my account. Provisional Credit for Dispute XX/XX/XXXX {$190.00} Now on XX/XX/XXXX The Provisional Credit Reversal XX/XX/XXXX - {$190.00} These funds were not supposed to be reversed out. I am seeking these funds back into my account. This is the letter that was sent by XXXX and what American Express Serve was supposed to do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX GMT+5:30 Hello XXXX, Thank you for reaching out to us through the XXXX XXXX XXXX XXXX My name is XXXX and I am a manager of XXXX 's Customer Support team. I have reviewed your most recent comment and all internal XXXX correspondence. Regarding your complaint : I am really sorry for any confusion or trouble. As we mentioned before, the disputes filed for the XXXX purchases were resolved in your favor. In this situation, we recommend reaching out directly to your financial institution to resolve the issue. Thank you for your understanding. Regards, XXXX XXXX Manager XXXX Customer Support
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I attempted to transfer a {$10000.00} balance from American Express to my XXXX XXXX MasterCard. XXXX claims they sent an electronic check on XX/XX/2021. American Express claims they never received it. I am now stuck in the XXXX that is both banks think I owe them $ XXXX ( each, essentially doubling the debt I actually owe ) - with neither one of these financial companies actually trying to find out what happened to the money!
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
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: As a follow-up to CFPB complaints # XXXX and XXXX, I am submitting an additional complaint, as the Company has failed to fully reply to my concerns and requests, and there are remaining issues. Please see attached letter for complete details. In summary, the Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve Companies : American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Company Response:
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for American Express 's XXXX card on XX/XX/XXXX and successfully got direct approval without experienced the pop-up window. No pop-up window appeared during my application meant I was 100 % eligible/valid for the welcome offer they offered at that time. ( The welcome offer was XXXX points rewards after spending {$5000.00} within 6 months after opening account+XXXX points at U.S. Gas Stations & U.S. Supermarkets ) . I also got confirmation from their online agents that my welcome offer was already connected to my account and was thus always active ( refer to the chat history in the attachment ). I've spent {$5000.00} within the given time frame and thus received the XXXX points. However, recently I just realized I haven't yet seen any 10x points rewards posted to my account for those of my eligible purchases at U.S. Gas Stations & U.S. Supermarkets have made since my card was opened. Considering my case, I contacted their agent online again on XX/XX/XXXX to ask why I haven't received this part 's rewards for over 3 months, but then I was informed by the agent that the welcome offer WAS DECLINED when I was doing my card application online with a pop-up window show-up for detailed notification. Therefore, I can not receive my welcome offer anymore and what I have received ( XXXX points ) should also be removed from my account. However, I NEVER saw/encountered such a pop-up window to warn me that the welcome offer can not be applied for me when I was about to submit my application. My card application went pretty smooth and nothing strange like the pop-up window happened during the procedure. Unfortunately, their agents insisted I must be experienced the pop-up window for my application and said they can not apply that welcome offer to my account anymore. And they even said the deposited XXXX points will be taken from my account as well. I've been following with them for my specific issue for over 5 months since my card account was opened. On XX/XX/XXXX, I contacted AMEX through online chat and the agent told me the raised investigation was ended ad the outcome was the welcome offer was still eligible for my account and I should receive my missed rewards described above within 12 billing cycles and I simply believed them after that time and still used my card for gas station and supermarket purchases as they told me my welcome was still there. However, on XX/XX/XXXX after two billing cycles, I still hadn't received my missed rewards as they promised compensation time frame so I directly called them and also chatted their agent online again to see what was the problem but they told me that their system still denied my welcome offer ( which is opposite to what I was informed on XX/XX/XXXX ) and they won't add the missed points to my account. It was totally ridiculous, shameless and of course unreasonable ... They played with me from time to time and I had wasted a lot of my precious time to patiently explain what I actually encountered but in fact, they never take this seriously every time and my patience ran out after that. Therefore, I'm here to ask for help to see if CFPB can protect my rights. The reason why I applied for this card is because of the attractive welcome offer. The fact of the non-appeared pop-up window but marked in the system is for sure the technical problem/internal unknown issues of AMEX 's own website and it can not be the customer 's fault. I would not apply for this card if I saw the pop-up window about the invalidity of the welcome offer towards my card application. It's simply a cheating behavior from AMEX and I strongly insist that they have to add the welcome offer s to my account and can not remove them because of their own technical issues or internal unknown problems.
Company Response:
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I see a charge back for the amount of {$300.00} from XXXX XXXX XXXX. I never gotten any letter or phone call from you guys. it just seem like you guys went and charge me for no reason, not sure what deal is but this is wrong. I called you guys about this. I just hope that this was a mistake from your end. I'm currently going through a lot. I recently lost my daughter, I don't need anymore stress on my shoulder.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello my name is XXXX XXXX I opened an American Express card back in XXXX of XXXX with a starting balance of {$6000.00}. In XXXX of XXXX my credit limit increased to {$12000.00}. When I called in to add a AU American Express offered me the gold card on XX/XX/XXXX. I added my brother and sister to my gold card when American Express opened the gold card. I was using the card and every time I used the card, American Express would block it. By them blocking the card that resulted in me paying the balance on the card every time we used it. American Express still blocked the card. On XX/XX/XXXX I received a email from XXXX XXXX, phone number XXXX Extension : XXXX, asking for form 4506-C. Me and my family submitted it over right away. Me and my family income is over {$90000.00}. They emailed me back and told me they just wanted my tax transcripts, which I sent it right over. I received an email from American Express stating they were closing my accounts, both of them. No explanation as of why they were closing them. I stocks and brokerage accounts, I just started a new business in XXXX and I make well over {$60000.00} and not once did they ask to review my bank statements or anything but as I go online and read the reviews I see where other American Express customers were able to submit it their bank records instead of their tax records for the financial reviews and had their accounts reopen. I feel like this whole situation is absurd and I feel like Im being discriminated. How is it that Im not able to prove that Im financially responsible for these cards by showing bank records but other people are? I have never been late on any of my cards, they have never been over the limit and with the new card the balance was paid every time I spent something, so how was subjected to a financial review? Then to have my cards closed with no explanation is crazy!!!
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Initially XXXX XXXX XXXX didn't even offer me any programs when I contacted them to tell them I would be late on a mortgage payment because my mom passed from XXXX XXXX ; I explained to them in great detail how her illness and death adversely affected me financially. Later, I was told about and placed on a Forbearance with XXXX XXXX XXXX but yet they reported me late for XXXX, XXXX and XX/XX/2020 mortgage payments.. They also did not notify me that my XXXX XXXX backed mortgage would allow me 180 days to not make a mortgage payment, without being on a forbearance and without any penalties or fees. American Express- After years of letters back and forth explaining to them that I never owned or used the credit card for which they reported me delinquent, they continue to report such derogatory and erroneous information on me to the credit bureau. Both XXXX XXXX XXXX and American Express ' negative reporting of me has now prevented me from getting prequalified for a new mortgage so that I will not be homeless when I sell my current home ( which is financed by XXXX XXXX XXXX )
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A