Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: AMERICAN EXPRESS continues to violate my consumer rights while I continue to attempt communication through mail and emails. Pursuant 15 U.S.C1691 ( a ) ~~ Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter. I have submitted multiple applications to AMERICAN EXPRESS and have been denied open-ended credit plan on each occasion due to discrimination against me for exercising my rights in good faith under ECOA ( Reg. B ), FCRA ( Reg. V ), and FDCPA ( Reg. F ) against previous Debt Collectors. My dealing with any debt collector or company reporting on a consumer report is PROTECTED and can not be used to discriminate against me. I have right dispute inaccuracies and unfair practices related to credit reporting and collecting. I have a right to maintain the security and privacy my non-public information. I have attempted to find remedy with AMERICAN EXPRESS for the discrimination against a consumer exercising their rights. No response has been received. I seek compensation and penalties placed against AMERICAN EXPRESS for each violation of willful non-compliance. AMERICAN EXPRESS has offered no benefit at all. I am a creditworthy consumer and seek immediate remedy to discrimination and access to the accounts. XX/XX/ Ref : XXXX XXXX XXXX XXXX Ref : XXXX XXXX XXXX XXXX Ref : XXXX It is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action, which includes denying credit, offering less favorable terms than applied for, or even closing an existing account, against a consumer. These adverse action letters attached are both proof and evidence of that discrimination, AMERICAN EXPRESS should be held civil and criminally liable. I seek immediate compensation for the use of my securities, otherwise this would be considered fraud. I have received NO BENEFIT for the application.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Bluebird is holding on to refund issued by XXXX for valid purchase in amount of {$50.00} made on XX/XX/XXXX. Refund issued on XX/XX/XXXX by XXXX. Refund received by Bluebird on XX/XX/XXXX and has been held since this date. Called Bluebird customer service number twice on XX/XX/XXXX and told by their overseas reps nothing can be done.
Company Response:
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a Delta SkyMiles American Express Gold credit card in early XX/XX/2023. There was a promotional offer for XXXX Bonus Delta SkyMiles for signing up. Fortunately I emailed myself a screenshot of the offer because when the bonus came through it was only XXXX miles. I just called American Express and they said that I only signed up for the XXXX mile offer and that I can't switch now. That is obviously not what happened. Why would I take a screenshot of an XXXX mile offer and then go sign up for a smaller offer? I wonder how many people sign up for the XXXX mile offer and Amex accidentally places them in the XXXX mile offer. These " mistakes '' always happen in the big company 's favor, so they can't be random. I cancelled the card, but I would still like my missing miles. And more than anything, I would like all of these big companies that do this to consumers to stop. The reason I took a screenshot is because this kind of thing happens all the time. Even if they are required to give me the missing miles they will come out ahead because they will only be giving me what they should have given me in the first place, but most people won't even follow up on it so they come out ahead on all of those people. I don't understand why there isn't more severe penalties for consumer fraud, especially from big companies who have the resources to treat people fairly. The penalty doesn't have to go to me, but it could go to funding the organizations that are supposed to be overseeing this kind of thing so that they are better equipped to manage it.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The report contains inaccurate information and company failed to provide the information I requested.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a corporate Amex card through my last company, when I left the company in XXXX XXXX I paid the balance and the card was confirmed closed by XXXX XXXX. Since then I continue to receive phone calls ( that start at XXXX, including on weekends, and continue throughout the day to XXXX any day of the week ) and now I'm getting emails about collecting on a past due amount for that card. I answer every call to explain the situation, every time the customer service person confirms the account was paid in full and closed, they assure me I will no longer get calls, calls haven't stopped nor have the emails. I report the emails to my email provider and try to block the senders to no avail. Recently, they have stopped responding when I answer a call, I'm sure my number is robo dialed then the rep sees a some kind of " DO NOT CALL '' message on my account and they hang up before speaking to me, but its just as harassing as them answering. How do I get this harassment to stop? I'm happy to sue if needed to get this to cease, I'm at my wits end. I have spoken to any department that will listen, usually they just dump me through a few departments and then I get hung up on, shocker, with no actual resolution. I also wrote to their " compliant '' department but haven't gotten a response. Help, I'm being harassed by AMEX!
Company Response:
State: WA
Zip: 98290
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting. The report contains inaccurate information and company failed to provide the information I requested.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received an American Express gift card from my employer. Im unable to use to anywhere online or in person. It keeps declining. I have checked the balance and attempted to use it for half the cards value. No luck. I called AMEX and their response was use the physical card or try a different merchant. I tried both but it still keeps declining.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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: On XX/XX/, I filed a dispute with American Express related to an incorrect charge. I was significantly overcharged by XXXX for a car rental ( in which the car broke down and I was without transportation for several days ) and provided extensive documentation to American Express ( including my original XXXX contract, copies of my communication with XXXX, and photographic evidence ). I did not even dispute the entire amount, simply the amount I was overcharged. ( The charge on my card was XXXXXXXX XXXX XXXX I asked for a refund of XXXX euro. ) On XX/XX/XXXX I received a letter from American Express, written in broken English, saying that my dispute was denied. They provided no meaningful explanation and the only supporting documentation they sent was an invoice from XXXX with incorrect charge amounts, and a copy of a pre-rental damage inspection report ( XXXX is not claiming that I damaged the car ). I called American Express back on XXXX and spoke to a representative who agreed that the dispute did not seem to have been resolved correctly and offered to re-open the dispute. I received a follow-up letter on XX/XX/, stating ( again in broken XXXX ) that my dispute was again denied. They again provided no meaningful explanation and simply included the same supporting documentation from XXXX that was nonresponsive to the dispute. I called again on XXXX to ask for further explanation of why the dispute was denied. The representative stated that there was no point in further pursuing the dispute as XXXX already had the money and there was no way American Express could get it back.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: American Express : - Issue : Two fraudulent accounts were opened in 2022. - Violation : Identity Theft - 18 U.S.C. 1028, FCRA - 15 U.S.C. 1681 An Amex Green card, Amex Platinum, and Amex Business were opened fraudulently in my name by XXXX XXXX, a well-known con-artist, that was XXXX XXXX, and many other names while scamming men across the country, which is very normal nowadays.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A