Date Received: 2021-04-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been using American Express XXXX XXXX since XXXX. However, on XX/XX/XXXX the bank lowered my credit balance without any notification after I used it to make a purchase online for {$7000.00} online. The merchant returned the transaction as failed due to the fact that American Express lowered my credit balance from XXXX to XXXX with a balance on it. I have made all my payments on time and had enough credit available before the bank decided to lower my credit balance without notice. I had an error on my credit bureau account which I have filed a dispute against. The bank cited that as a reason to lower my available credit. This has caused me undue hardship to make a financial transaction in spite of being a 100 % on-time customer with this bank. Moreover I am currently stationed on XXXX XXXX when they lowered my credit ability.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted the Credit Reporting Agency XXXX about an account appearing on my credit report from American Express XXXX AMEX XXXX which I did not recognize. The account number information was being reported with incomplete information and partial account numbers which are a violation of the Fair Credit Reporting Act XXXX FCRA XXXX. I contacted XXXX about this error on my credit report and sent a letter to them on XX/XX/XXXX explaining this to them and requesting that they delete this erroneous account. To my surprise, I received a response from XXXX where they claim they were able to verify and update the information with AMEX as accurate, however their reply credit report they sent had missing fields like date of last payment was missing which is a violation of Metro 2 Compliance and the FCRA and inaccurate, unverifiable, missing, and unfair information such as a partial account number with asterisks instead of the full account number. I then sent a letter on XX/XX/XXXX asking XXXX for their method of verification for this account and the errors which was a violation of the law and for them to delete this account. Then after waiting nearly 60 days which is a violation of the FCRA because of being more than 30 days for a response, on XX/XX/XXXX I received a similar response from them stating that they verified that this AMEX account was valid and again they claim to update the information again however did not give a method of validation, as well as missing and incomplete account numbers and credit report information which is another violation of the FCRA. On XX/XX/XXXX I sent them a letter to reference the violation of FCRA for not responding in 30 days and that the accounts information on the credit reports were also missing numbers and therefore are invalid and must be deleted for inaccurate reporting. XXXX until this date has never responded in regards to this AMEX account. Then on XX/XX/XXXX I sent another letter for their failure to respond again in 30 days and to again demand the deletion of the AMEX account due to inaccurate and missing/incomplete reporting of the account number as a violation of the FCRA and Federal Consumer Laws. Since that time I still have yet to receive a response from XXXX regarding their inaccurate reporting and violating the FCRA and other Federal Consumer laws regarding this account. They also continue to report this erroneous account. I received a letter from XXXX asking me to contact the original creditor if I had an issue with the account. In addition, I also contacted AMEX by mail telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX, with no repsonse within the required 30 days and on XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the XXXX and the other credit bureaus that I disputed this account with no response each time from AMEX regarding this account. Neither XXXX nor AMEX did not do their investigation in this matter and replied more than 30 days late or not at all and are reporting the information inaccurately for this account which is severely affecting my creditworthiness and ability to obtain a car and other credit opportunities which would afford me to live a better quality life. I also noticed they have over 100,000 complaints in the last 3 months with other people complaining of similar terrible treatment and inaccurate reporting and both AMEX and XXXX breaking the consumer federal and state law of not responding in 30 days and not reporting complete account number or not properly doing their investigation and responding in the required time as required by law.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX, I contacted American Express to resolve the issues previously reported with this agency in regard to contacting me, and offer a settlement to avoid possible litigation. The letter specifically states that it is " not a validation request ''. Please see the attachment titled " SettlementOffer21821 ''. Rather than resolve this matter, American Express, continued to respond as if the letter was a validation request, or " dispute ''. Beginning on XXXX, XXXX, XXXX, American Express, first sent an improper message stating that it wanted to contact me, via email, in regard to a " dispute '', but the address wasn't working. Then on, XX/XX/XXXX, American Express, wrote to state that in " response to my inquiry '', their alleged account is in internal collections. Finally on XXXX, XXXX, XXXX, American Express, contacted me to state that they have not finished investigating " my inquiry ''. Please see the attached document titled " 321violations ''. Of course, there is no inquiry, or intended dispute at this time, and these responses are improper. Again, I contacted American Express in hope of reaching a settlement agreement without intervention. These messages are further violations of past complaints in regard to American Express dubiously bombarding my mail box with its alleged and unwanted documents, rather than providing a proper response in hope of resolution. I contacted American Express in XXXX to stop contacting me under the Fair Collection Acts. This complaint is not a validation request, or intended as an admission or denial of any debt.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In either late XXXX or early XXXX ( can't remember the exact timing ) I went to the American Express website as I was shopping around for a new credit card. I used their 'see if you are pre qualified ' feature before exploring more, where I was presented with the cards with AMEX I was prequalified for. One of them was the Platinum card where I was offered a sign up bonus of XXXX with {$5000.00} in spend within the 1st 6 months. Also added on to that was a grocery / gas bonus as well which I'm not disputing in this request. So I applied, was approved. I recently noticed I was given a welcome bonus but it was NOT the XXXX feature. I used the Customer Service chat feature where I was connected with a representative. I was told offers change all the time. I clearly understand that and the representative was not even addressing my issue. I was presented with a XXXX offer which is why I applied. The representative made no offer to do research on their end to see that I was really presented that offer.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express took it upon themselves to cancel my Business and personal credit card without any notice at all, based on a secretive review on allegations of Abusive behavior The XXXX XXXX card number is XXXX XXXX XXXX I dont have the XXXX XXXX number on hand. The XXXX XXXX XXXX card was the primary form of payment for supplies, tools, vendors and all other business related items. With a {$51000.00} limit it was a very powerful purchasing card for the contruction company. It will effect the whole company all the employees financially negatively. It has already caused our billing and the administrations a day of extra work. The problems AMEX has caused is not finished. this arbitrary handling will continue to be a problem moving forward, since the Company relied on the card for approximately 90 % of the purchases. Bottom line is this out of nowhere accusation and decision making from AMEX specialist team has caused XXXX XXXX XXXX financial damage and hardship. The Personal card was {$4000.00} limit and rarely used. it has been a good back up card for myself for groceries, clothing and other smaller shopping items. We and myself have been and are in good financial standing with all financial institutions. The AMEX and other credit cards are usually paid off every month. I cant recall any issues or late fees, as a matter of fact I have been until now very pleased with AMEX. Another odd thing is, I was not notified at all, about the cancellation. I found out myself when I opened the AMEX app to make my monthly payments, then I saw the account were cancelled. When I reached out to the number on the back of card about the cancellation they gave me another number to call : XXXX and said they could not give me any details or further information that I must call that number to find out any detail on the account. At first, when I called the above number given to me it went to voicemail, because they arent available until XXXX XXXX XXXX. I called back after XXXX XXXX and Spoke with XXXX. XXXX explained that there was an extensive review done and that the card was being cancelled due to an alleged phone call I made within the past 2 months with one of their representatives. When I asked for a bit more details he refused and said that they are not giving me any further information and that the decision stands and I will never be able to open an AMEX account again. I continued to question the reasoning because I truly cant recall any problematic phone calls with Amex ever in the years past, especially not the past couple months. After Seeking verbal council from my Attorney, I called back and Spoke with XXXX. I wanted to ask if theres any way to contact anyone else. She explained the same except that for it was allegedly a phone call made now 2-5 months ago I asked what they considered Abusive behavior and she couldnt give me a definite clear answer other than possibly, vulgar language and that the decision stands. She stated that I could write the their XXXX in New York and gave me their address to write a letter. This was pretty much the same XXXX said on the previous call. Both representatives of the Specialist Team withheld any information that would allow me to truly follow what they were talking about. I asked for The date of the alleged phone call, I asked for the recording and/or what was exactly said and I asked to speak with someone that supposedly extensively reviewed and confirmed it was me. They are not allowing me to gather any further information on the matter. I dont have a notice of cancellation, I dont have a case number nor anything similar. SO far al I have is verbal statement of 2 representative of the AMEX specialist team. I would like to know the facts behind the allegations. Not just a verbal statement allegation of Abusive behaviormade sometime in the past 5 months. What concerns me the most is the withholding of important information about my account with them and then using this withheld information for the reason to permanently cancel my accounts.
Company Response:
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My issue is about amex 's return protection policy. I purchased a few notepads online with my amex everday preferred card. The notepads were meant to be a birthday gift. However the seller didn't ship it on time and wouldn't allow me to return to the seller. So I had to start a return protection claim with AMEX. AMEX denied my return protection, quoting that " maps ... books ... '' are excluded from return protection policy. I called their customer service and the agent kept telling me that notepads/notebooks are books so they are excluded. I asked for escalation and the agent told me she will schedule a callback. However, it has been 5 business days and I didn't receive any calls from them. They are abusing their terms! I can understand that excluding books from return protection seems to be reasonable. But how does that apply to brand new notepads/notebooks as well??? I have a feeling that they just wanted to deny my case so they had to use such a ridiculous excuse!!
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I already reached out to the credit bureaus and to AMEX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Three months ago, I responded to a promotion for an American Express XXXX XXXX XXXX card that promised XXXX miles. I was instantly approved, charged and paid for the required amount for services and merchandises and paid the {$250.00} fee. When the promised miles did not appear on my statement after three months I called and was informed that I had not qualified from he promotion miles. American Express/XXXX never informed me of this and I kept charging and paying for services and merchandise that I could have put on another card. I was also informed that I was ineligible to receive a refund of the {$250.00} fee. The person I spoke with at American Express is XXXX, his employee I.D . number is # XXXX ; his supervisor whom he promised would call, and never did is XXXX.
Company Response:
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I closed an account and its still showing that I just opened it and yet they still never showed that I payed it off TEN TIMES
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Other service problem
Subissue:
Consumer Complaint: I have tried to stop all marketing and solicitation from credit card companies. for the past three years i have been trying to repair my credit. part of my program was to stop credit card companies from soliciting me. During the process, i also asked not to be marketed to using the direct marketing opt-out. I have tried to get American Express to stop trying to sign me up for new services. I have tried to work with American Express on several occasions. I have been determined to be ineligible for my requested service. American Express says i am not eligible to use there business Gold travel rewards card. I was also declined for their XXXX sponsored credit account. American Express explained there reasoning and i asked not to be marketed too. This was not only American Express this is all credit card offer. About one or two years ago i asked to discontinue marketing and solicitations from American Express. I made this request using an XXXX opt-out request and a credit card marketing opt out and a direct marketing opt out. most of the solicitations have stopped, although American Express continues to solicit my business. I have even gone as far to add my email addresses to the opt-out. American Express still ignores my request. American Express continuing to ignore my requests puts my credit rating at risk. by not having marketing and solicitations i am less likely to apply for new cards. this makes my inquires lower and this improves my overall credit. I have spent a great deal of my own money to improve my credit. I have also spent a great deal of time to improve my credit file. I take offense to the fact that American Express refuses to follow the rules about marketing to me at my addresses ( including email ) I am very tired of seeing American Express advertisements in my email and mail box. I have asked in what i thought was the most civil way possible not to be marketed too. I continue to receive these marketing efforts. I believe these actions are illegal and i also believe i am entitled to restitution or restorative or liquidated damages for duress this causes. I have asked to be left alone. I do not want to be contacted for anymore marketing materials.
Company Response:
State: NY
Zip: 13090
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A