Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied my right to credit as a consumer. AMEX securitize the receivables which are the applications. AMEX SEC Filings and prospectus demonstrates the securitizing of the indebtedness. I provided AMEX a financial asset and didnt receive any consideration for the security collateral. This is securities fraud. Please retract my application or credit my account.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023 I applied for an unlimited open ended credit plan with American Express Gold Card. I applied for this plan because it is well documented that when a consumer applies to give an extension of credit using their social security number/card, per 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The extension of credit can not be denied. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. The application was denied by a computer generated algorithm based on a FICO score and the determination was not made by a human underwriter. Denial of credit is a violation of the Equal Credit Opportunity Act because when I gave my Social Security information the application should have been approved according to law. AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, XXXX XXXX XXXX XXXX the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( Social Security Number ) I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Here is a summary of the situation and the additional information : 1. Submitted initial disputes to American Express concerning unauthorized activities on my account. 2. Engaged in multiple follow-up correspondences with American Express XXXX emphasizing my request for rectification. 3. Instead of offering a resolution, American Express has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 4. I also want to bring to your attention that Attorney XXXX XXXX provided American Express with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided American Express with the essential information needed to expedite the investigation and resolve the disputes promptly.
Company Response:
State: IA
Zip: 50263
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: New information Fraudulent Charges by XXXX XXXX XXXX XXXX : XX/XX/2023 To : American Express Dispute Resolution Cente Subject : Fraudulent Charges by XXXX XXXX XXXX - Urgent Action Required I am writing to report fraudulent charges on my American Express card for services and products not received or performed by XXXX XXXX XXXX. Previous Efforts : In XX/XX/2023, after 7 months, the dentist admitted to not providing a XXXX graft and a yearly membership and claimed I was refunded. I was also charged for Gingival irrigation not agreed to or provided and Post op visit a month after Cancellation as I only went in to discuss my outrageous bill XXXX never received any refund from the bill, and American Express has not processed any refund for these items. I filed a dispute with American Express for these charges. On XX/XX/2023, I took XXXX XXXX XXXX to small claims court and was awarded the maximum damages allowed in California ( {$10000.00} ) plus court costs. The Judge agreed that this work was never preformed and these charges should imeefiatrl cond off of my bill and be charged back to Merchant! I have requested a call back from a supervisor XXXX times by telephone, fax and this site in early XXXX regarding this matter but have not received any response. Current Status : The dentist is delaying the court-ordered payment by postponing it twice and requesting a new trial. The fraudulent charges remain on my American Express account. Action Required : Immediately charge back the judgement of {$10000.00} and all the additional fraudulent charges over and above that to XXXX XXXX XXXX. Investigate why the previously requested refund for the XXXX graft and yearly membership was not processed including gingival irrigation and post op visit. Ensure that all fraudulent charges are removed from my account. Additional Information : You have received documentation supporting my claims, including : Copies of my dental records showing no evidence of the XXXX graft etc. Copies of XXXX dental reports by independent dentists. Proof of the court judgement and award of {$10000.00} XXXX records with the dentist and American Express. I am available to provide any further information you XXXX require. I urge American Express to take immediate action to address this matter and resolve this issue to my satisfaction. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received two American Express prepaid gift cards from work in the amount of {$100.00} each. One in XXXX for a XXXX gift and one in XXXX as a XXXXXXXX XXXX I have tried to use the cards at several locations without luck. The payments wont go through. I now have {$200.00} worth of gift cards that wont work. Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After research and talking with fellow coworkers, this seems to be a VERY common problem. Please can someone look into this. Email is my best form of communication.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
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 a total of 4 items on XX/XX/2022, from XXXX. The items were delivered on XX/XX/2022. Upon opening the box, I noticed something strange from the start. I noticed the seal of various boxes to be tampered with. The seal being broken was the first red flag. The second red flag was the condition in which the boxes were in. The boxes were clearly mishandled because they were damaged. This is the reason why I am requesting a full refund of {$1300.00}. Processors The two processors I purchased were the XXXX XXXX and the XXXX XXXX. The XXXX turned out to be a XXXX XXXX XXXX and this was one of the items with a broken seal. The XXXX XXXX was correct, but the pins were bent and it was also one of the items with a broken seal. Upon realizing what was wrong, I immediately went to XXXX in XXXX, CA to try and fix the problem. When I got to the store, the manager in charge refused to replace the items stating, Its my word versus your word. I went home and tried to talk to customer service over the phone but they kept insisting I visit a different store and try my luck there. Motherboards I purchased two motherboards in this same purchase. I purchased an XXXX XXXX XXXX and a XXXX XXXX XXXX. The XXXX XXXX motherboard was misboxed and I received a random blue motherboard made by XXXX. This was not at all what I ordered. The XXXX XXXX tomahawk was the only correct item. It worked as intended, but after dealing with all these other defective products, I just wanted my money back and did not want to deal with XXXX anymore. Second Attempt I made a second attempt to return the products. On XX/XX/2022, I visited the XXXX location in XXXX, California. I explained my situation, and the employees seemed to understand where I was coming from, but unfortunately, they did not go through with the return. Instead, they gave me a customer support number to call and try to get the return approved that way. I was unsuccessful in having them provide me with the means to return the merchandise in the same condition I received it. Final Thoughts My experience with purchasing items from XXXX was a complete disaster. Not only were the items delivered in a mishandled condition with broken seals and damaged boxes, but the items themselves were defective and incorrect. Despite my attempts to rectify the situation by visiting XXXX different XXXX locations and contacting customer support, I was met with resistance and unhelpful responses. I am left with no choice but to request a full refund of {$1300.00} for the XXXX items I purchased. This experience has left me extremely dissatisfied with XXXX and I do not recommend anyone to purchase items from them.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I run my XXXX XXXX XXXX with the help of American Express and their credit cards. As such, I have a few different credit cards and a business banking account with them. On XX/XX/2023, I was charged the annual fee of {$690.00} for my business platinum card ending in XXXX. After some thought, I decided I did not want to renew this card. According to American Express 's terms and conditions for the card, the annual fee of {$690.00} dollars will be refunded if the card is closed within 30 days of the closing date of the statement period in which the fee is charged ( in this case, the fee was charged on the same date the statement closed, XX/XX/XXXX ). On XX/XX/XXXX, 29 days after the statement close date, I chatted into American Express 's online chat function after logging into my account. I told the chat rep I wanted to close the card and the employee card associated with it. I was read the standard terms for closing the card, and agreed to close the card. The chat rep confirmed the account closure and the chat was ended. On XX/XX/XXXX, I noticed that the card was still active on my online login, and I chatted in again to verify the status of the card. I was told that the previous card closure did not go through ( no specific reason provided ), and that the chat rep would go ahead and close the card now. They then confirmed the card was closed. I also asked the chat rep to verify that the annual fee would be refunded, since I originally requested the closure to happen on XX/XX/XXXX which was within the 30 day refund window. The chat rep confirmed that the annual fee would be refunded, and the chat was ended. On XX/XX/XXXX, I noticed that the card was still active on my online login, and I chatted in again to verify the status of the card. I was told that the previous card closure did not go through. I was told I could call the membership consulting team during mid week business hours to see why the account was not closed. The chat rep advised they could close the account for me, or I could call in for that too. I decided to wait and to call in later and ended the chat. On XX/XX/XXXX, I called the phone number on the back of my business platinum card ending in XXXX ( XXXX ). I explained to the rep what had happened, and was told that she would submit my feedback about my chat experience and ensure the card would be closed within 24 hours of the call. She also confirmed that the annual fee would be refunded. The call was ended. Later that night on XX/XX/XXXX, I received an e-mail titled, " Your Card Cancellation Request Has Been Processed '' ( I did not receive any such email for my 2 previous attempts ). Inside, the email stated that my business platinum card ending in XXXX had been closed successfully -- not my business platinum card ending in XXXX as requested. I logged into my online account, and confirmed the account ending in XXXX was marked as " closed ''. I opened my business platinum card ending in XXXX a few months ago ; I did not wish to close this card and am not sure why it was closed. Meanwhile, I have been trying to close my business platinum card ending in XXXX for almost a month now and it still remains open. Attached to this complaint is a screen recording of all three online chats. The video can be paused at any time and starts with the first chat on XX/XX/XXXX.
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not authorize this inquiry, and I request that it be deleted immediately. Please send me written confirmation and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I'm writing to address a matter of significant concern regarding recent adverse actions taken upon my credit accounts, I believe that there might have been an misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. In XX/XX/2023 I submitted an application to American Express which served as a valuable security purchased by the bank, as they are the borrowers as defined by Congress in 12 U.S. Code 1431. Despite this understanding, American Express has unjustly refused to grant me access to the credit line I requested, thereby impending on financial opportunities and violating regulations governing fair lending practices. Consumer credit transactions are initiated using credit cards in accordance with 15 U.S.Code 1602 ( l ) a credit card is any card, plate, coupon book, or other device used to obtain money, property, labor or services on credit. I am the holder in due course, as I presented the credit card to initiate the transaction. In pursuance to 15 U.S.Code 1602 ( n ) and its not possible for me to be denied for something I initiated. I am granting your corporation the right to extend credit as defined within 15 U.S.Code 1602 ( f ). I frequently in connection with loans as outlined in 15 U.S.Code 1602 ( g ) as the original creditor. I understand my rights and reporting to the consumer reporting agencies is voluntary as per the CFPB this is a private transaction. Nowhere does the term adverse action in the FCRA mention the denial of credit to a natural person and I expressly granted American Express permission to extend to me my right to credit because I am credit worthy and in good faith. The right to extend credit belongs to me and I'm the one who extends credit to borrowers pursuant to 15 U.S.Code 1602 ( g ). According to 12 U.S.Code 1431 the power and duties of banks is to borrow and pay interest. This is a consumer credit transaction and this is an unfavorable situation to me as a consumer. Furthermore, my credit was used and I received no benefit from the use of my credit. As inquiry appeared on my consumer report indicating a transaction where someone profited from my credit and I gained nothing. In fact fact this caused me mental and financial damage as defined by 15 U.S.Code 1602 ( p ) term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from wwhich the cardholder receives no benefit. So I have been discriminated against as there are no federal laws allowing a credit score to extend credit. In good faith I exercise my rights and as a natural person I face discrimination and pursuant to 15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe American Express has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus commiting fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that American Express has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank American Express has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that American Express upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities and provides me with the credit access I am entitled to based on the security l provided.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
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 have purchased 3 XXXX XXXX XXXX XXXX from a vendor named XXXX. Because these items arrived too late, I requested for the items to be returned for a full refund. The vendor informed me that I would need to take care of the return by myself. I purchased a UPS return label with tracking number XXXX and shipped the items back to vendor. Tracking clearly shows that the items were successfully returned to the vendor. Despite that, the vendor claims that he has not received the merchandise and refused to refund me for the return, which I've made according to their policy. I've opened dispute XXXX with Amex but have been unable to get an Amex rep that actually understands the case and evidence and supports me on this dispute.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A