Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have been dealing with Amex for the last few weeks, i made a payment on XX/XX/XXXX for {$2800.00} to settle this account and get it cleared. I was told no further collection will be happening and reporting will be changed. to this day as of XX/XX/XXXX, my credit is reporting Amex as Late. this was not the agreement settled. I have called XXXX XXXX XXXX and spoken to the reps there and they have told me the reason the system hasn't updated their info is that they may be cant be tracked. This is an issue on their end and the guy has apologized for any inconvenience this is causing. He keeps telling me to call back in another week to follow up. I have called 3 times with still the same story. The confirmation for the transaction is XXXX.
Company Response:
State: AZ
Zip: 85140
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
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 cruise tickets for a total of {$700.00} odd dollars on my AMEX gold card. In XX/XX/2020 the cruise was cancelled and XXXX XXXX only allowed to apply for a refund during a small window of time that I was intentionally informed incorrectly of. They refused to give me a refund even though the cruise was cancelled, I filed a dispute with amex who refused to help. I ended up paying for the cruise never taken and closed the card.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have received new social security number. Previously I was using Individual Tax Identification number ( ITIN ). American Express is still using my ITIN even though I have requested them to update my new social security number in my records. I have mailed them cover letter, photocopy of SSN, photocopy of Drivers License and the documents were delivered to Amex at XXXX XXXX, TX on XX/XX/2021. I have called AMEX customer service to know if my social security number is updated. I was told that they have received my documents. But still my records are not updated with my social security number. Due to this, I am not able to get my credit report.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To XXXX XXXX, I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. The items I dispute are also circled in the attached copy of my credit report. First Disputed Item : Adverse American Express Account # XXXX Reason for Dispute : I closed the account and settled with American Express. We each signed a release of claims that included a future provision prevented American Express from reporting this debt delinquent after the account was settled. The credit report still shows a late payment of more than 60 days on the column marked XXXX, and more than 30 days late on the columns marked XXXX, XXXX and XXXX. This is the second time I am complaining about AMEX via the CFPB portal about this error on my credit report. I am attaching a letter from American Express as proof. on Monday, XX/XX/2021 I spoke with a representative from AMEX at XXXX XXXX and she admitted the account was listing in error that it is a primary holder but I am only an authorized user. Therefore this account is being listed as mine in error.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over XXXX days and I haven't received any response regarding the investigation results
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express sent us a notice that their revised Penalty APR is now 29.99 % and " If the penalty APR is applied, it will apply for at least 6 months. '' 1 ) You should be leading the effort to cap interest rates credit card companies can charge. 2 ) We're still in a pandemic with millions of people suffering financial hardship. Please work to fix this. Do not ask me to contact American Express. There is nothing for me to talk to them about. Just fix the problem.
Company Response:
State: WA
Zip: 98027
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: American Express Credit card welcome offer not honored. I just got off the phone with American Express customer service inquiring about my welcome offer of XXXX XXXX XXXX points for signing up and they stated if I had ever signed up for a XXXX XXXX credit card in the past at anytime that I would not be eligible. However, the terms of the agreement show it's within the last 24 months only. I have already hit the spending requirements so there should be no issues. I tried to resolve this with AMEX and they mentioned they reserve the right to deny the welcome bonus for any reason and that I was not privy to the specific reasons why they are with holding the bonus. This feels like a bait and switch scam as they advertised a promotional welcome offer and had me sign up and pay a {$450.00} fee and spend {$5000.00} on the card then will not give me a real reason why they won't honor the welcome offer.
Company Response:
State: CA
Zip: 917XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I got a text message from phone number XXXX threatening me with lawsuits etc for debt from American Express. I was victim of identity theft and had informed all these companies of the same. Please see below the text content. ATTN : XXXX XXXX, I received an order in my office today to complete the filing of lawsuit towards your American Express Card. You are currently being investigated for the same at this point of time as it's a case of debt evasion. I'll be verifying your current address and your employment history. In the meanwhile it's your responsibility and legal right to contact the plaintiff prior to being served by subpoena. The best number to reach the plaintiff would be XXXX. Failure to comply will result in forfeiture of your right to dispute the matter and a complaint will be filed in your local county. Kindly consider this as a legal notice and not as a threat or warning. Regards American Express.
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: AMERICAN EXPRESS ( Bluebird prepaid card ) refuses financial transparency by refusing to provide PERIODIC FINANCIAL STATEMENTS - as required by federal law. AMERICAN EXPRESS refused me all access to periodic financial statements ( i.e., via online access, email or mail ). AMERICAN EXPRESS refused me an online account stating on their website " We don't like delivering bad news. However, we're unable to approve you for an Account at this time. We appreciate your interest in Bluebird. '' When I purchased the Bluebird prepaid card, it did not state anywhere on the external Bluebird packaging that one could be potentially " declined '' for account registration. Thereby, AMERICAN EXPRESS intentionally refused access to periodic financial statements and other services for which I paid. AMERICAN EXPRESS FALSELY ADVERTISED THE FOLLOWING SERVICES ON THEIR BLUEBIRD PACKAGING TO BE INCLUDED WITH THE BLUEBIRD CARD : *Free Early Direct Deposit *Free Online Bill Pay *Free Family Accounts *Mobile Check Capture AMERICAN EXPRESS charged me a {$5.00} service fee for falsely advertised services and periodic financial statements AMERICAN EXPRESS has refused to provide me.
Company Response:
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A