Date Received: 2023-12-01
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: American Express reported my credit accounts as charge-offs to the consumer reporting agencies. One of the debt, I received a mail from a collection agency as per the envelope, but it is actually a law firm on the letter head. I sent an a letter on XX/XX/23 requesting debt validation, I have yet to receive the information. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) RE : Reference # XXXX Even though these accounts are listed as charge offs, and some sold to debt collectors, American Express is still sending mail trying to collect the debt. Not to mention the fact, I never received no 1099-C from the company for any of these reported charge-offs. American Express also gave the consumer reporting agency a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ) as one of my residential address. I have request it removed, because I never lived there, yet it is still listed on my XXXX and XXXX XXXX. It is obvious American Express is not adhering to the FCRA.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2023, I applied for an American Express card through my XXXX XXXX account ( Diamond status -- the highest rewards tier ). I only applied because the credit card was offered through the XXXX portal while I was accessing my XXXX account. I have other access to credit, did not need the card, but was willing to go through a quick and easy application process. However, apparently American Express wanted more information from me -- most specifically related to my address, although everything I have, including credit, flows through that same address. I discovered this when American Express called me at XXXX at XXXX XXXX. XXXX XXXX on XX/XX/2023, a call I missed. However, when googling the number I discovered what the phone number was attached to -- American Express -- and also many threads related to people complaining about American Express 's incessant calls related to previous credit applications. I called the number, told American Express to terminate my application, and that I was not to be contacted again. I was assured that American Express would terminate my application and would not contact me again per my request. A recording of this phone call apparently exists with American Express. Within minutes I received email confirmation from American Express at XXXX, the same email address used for this complaint, confirming that my application had been terminated per my request. Still, at XXXX XXXX. XXXX XXXX I received yet another call from an American Express telemarketer -- in both instances the calls appeared to be originating from another country, although the incoming phone number was a XXXX number -- trying to further engage me in the application process. I informed the caller I would be filing this complaint and terminated the call.
Company Response:
State: WA
Zip: 98502
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
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: Reference Number : XXXX I find the reason for closing my case on XX/XX/XXXX, stating 'We were unable to investigate because this dispute was reported more than 30 days after your statement date ', to be unjustified. My initial dispute was filed on XX/XX/XXXXXX/XX/XXXX well within the 30-day window following the statement date. Furthermore, the issue with the product did not arise until XX/XX/XXXXXX/XX/XXXX as demonstrated by the supporting documents I previously submitted. It's also important to note that American Express 's policy allows card members up to 120 days to file a dispute, and time frame of redisputes can extend accordingly. Therefore, I requested a reconsideration of my case based on these points via AMEX chat. However, the representative insisted that I need to contact the Dispute Team by phone and refused to provide further information or assistance. In addition to the previously mentioned concerns, I must address the apparent negligence in handling my case by the assigned agent. There was a clear lack of thorough review of the documents I provided, as well as a serious lapse in considering the case 's validity. If the 30-day timeline were indeed a critical issue, it is perplexing that my case was allowed to be reopened on XX/XX/XXXXXX/XX/XXXX Moreover, the agent 's request for additional documentation on the same date contradicts their stance on the timeline. Furthermore, after my attempt to appeal the dispute on XX/XX/XXXXXX/XX/XXXX the status of my case was changed to 'As per your CM Agreement and/or merchant policies, we are unable to investigate this charge. Please contact the merchant directly. ' This abrupt shift in the case 's status, without any accompanying documentation or detailed explanation, raises serious concerns about the transparency and fairness of the investigation process.
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Amex Platinum charges additional fees for cardholders. When I originally signed up, you could have 3 additional cardholders for XXXX. Now on my latest statement each additional cardholder fee is XXXX. I called to cancel the cardholders and they informed that I had 30 days to cancel the charge. I called in the 38th day. Seems to me that under Reg E if you have 60 days to review account statements that should be the same in change in fees. The additional cardholder has not used the card in 60 days so there has been no utilization at all in benefits as an additional cardholder. Shame on Amex. They are gauging fees in a way that is unconscionable.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX American Express was notified by consumer of a billing error nevertheless AMERICAN EXPRESS continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ) American Express is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency, without my written request and without my prior written consent 5 U.S.C. 552a ( b ). In addition American Express is reporting a charge off on my credit report, a charge off is a certificate of indebtedness according to the IRS which means it is Income and must be remove from my consumer credit report., Such reporting is a violation of 15 U.S. Code 1681 by reporting inaccurate information.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I bought this card a long while ago ( I don't remember the exact date, but it was like 2 months ago ) and it's just been sitting with a balance of XXXX $ and I haven't been able to use it it's been declined by every site/company I've tried to use it at and when i call customer service they just say it's always getting declined for my safety even though I've bought from other retailers with a different company 's sold prepaid card.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received 2 Amex Gift Cards from my company for {$100.00} each. Neither of them will work at any online website ( I tried XXXX, XXXX, XXXX, XXXX, XXXX to name some ), and all were declined on XX/XX/. I verified on XXXX and confirmed the cards have been activated and only have a XXXX hold from XXXX. I have received Amex gift cards for years from my company and have always been able to use them online, however the last 2 I received both decline no matter the amount or website I try. I was on hold with customer service for over 3 hours ( XX/XX/ ) only to be disconnected when the CS agent answered. I found that many others are experiencing the same issue and think this needs to be resolved as I now have {$200.00} in money I can't use.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I never opened an credit card account with American Express and there are XXXX credit cards in my name there is a XXXX credit card and XXXX credit card. The address on file doesn't match the address on my ID and i have a police report.
Company Response:
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: AMEX advertises that the pre-paid card is widely accepted online and in-person everywhere. However, I have been trying to use this card and have been getting declined everywhere both online and in-person ( this is especially frustrating and embarrassing ). I've reached out to AMEX about this a few times, and the advice I received is to try other stores. This is false advertising and not at all the experience I had hoped for.
Company Response:
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This is a follow-up response to my previous complaint on one of my American Express Cards . American Express didn't address my second credit ( ending in XXXX ) SCRA benefit properly which my complaint was primarily filed against - there was a balance of {$940.00} that they saw and overlooked on XXXX XX/XX/2023 that was paid on after my orders started on XXXX XX/XX/2023 so they're reporting inaccurate information to CFPB. I have the statement ( see attached ) that they conveniently left it out in their response but they put in the statement for the first credit card - there was a balance that was subject to SCRA before my orders started. Please look into this. Thank you.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A