Date Received: 2023-11-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I hope this letter finds you well. I am writing to express my concerns about the recent denial of my credit card application with your company, as indicated in the denial letter dated XX/XX/XXXX reference # XXXX. Upon thorough review, I believe there may be grounds for reconsideration. I wish to draw your attention to the provisions of both the Truth in Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ) as they relate to my application. TILA defines credit as the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Additionally, the ECOA expressly protects applicants from discrimination based on the exercise of any right under this chapter, including the right to credit as defined by TILA. The denial of my credit card application has raised concerns about a potential connection to discrimination. I firmly believe that the denial of credit, especially when tied to the exercise of a protected right under the ECOA, may constitute a form of discrimination. I am seeking a detailed explanation of the specific reasons contributing to the denial, with a focus on ensuring compliance with both the TILA and ECOA. Furthermore, I would like to express concerns about the potential withholding of my access to securities, which may raise issues related to securities fraud under the Securities Exchange Act of 1934. As a consumer, I am aware of the importance of fair and transparent practices, and I seek assurance that my rights are fully respected in this matter. In accordance with the Federal Reserve Act Section 16 Part 1 and 2, I consider the credit application to be a security. As such, I request the issuance of the credit card in exchange for the credit application. I believe that addressing this request will contribute to a resolution that aligns with legal standards and principles. Thank you for your prompt attention to these matters. I look forward to receiving your response.
Company Response:
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Ive did an application for a credit card Ref # XXXX and was rejected. Isnt my failed application a promissory note? So that means you can take my securities and sell them to a third party, therefor I shouldnt have been rejected. Then that means its securities fraud. Especially under an open-ended consumer credit plan.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Cancel card in XXXX .... I have my card ending in XXXX and it should have three deposits coming. I do not want any other card except for my XXXX with BLUEBIRD. I will not contact you anymore regarding bluebird unless directed otherwise... I apologize for any inconvenience or confusion. Thank you.
Company Response:
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have tried using it on online platforms such as XXXX or XXXX. They have denied verification to add them to my payment options. There was also the problem trying to connect my gift card to XXXX due to some stores not taking Amex but will take XXXX. However, I was denied the connection because XXXX denied verification too.
Company Response:
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Hi, I have been trying to use the card to either use in XXXX or XXXX. I have tried to connect with the paypal to allow me to use it for other online stores because some don't take AMEX. I have to tried to reach out to the phone line on back of the card but has been only redirected to automated FAQs. There was no one to contact available when I look at my account balance. I have sufficient funds and the purchase of the items were below my current balance.
Company Response:
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased this American Express prepaid gift card from XXXX and the card will not work at all. The card says it's activated, but every purchase gets declined. It won't even let me put it into XXXX XXXX which I have been able to do before.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear American Express Customer Service, I am writing to address a matter of profound concern regarding an unauthorized credit application submitted in my name. According to recent correspondence, I applied for the XXXX XXXX XXXX XXXX on XX/XX/, and subsequently received notice of the application 's decline. This letter serves as my second complaint following my initial report filed with the Consumer Financial Protection Bureau ( CFPB ). Upon thorough review, I wish to emphasize that I did not authorize the credit application in question. I am deeply committed to maintaining financial responsibility and ensuring the accuracy and integrity of my credit profile. In this instance, I have become a victim of fraudulent activity, as I did not submit the application, and this is a mistake that requires urgent rectification. The reason for my filing a report with the Consumer Financial Protection Bureau ( CFPB ) is to bring this matter to their attention. This marks my second CFPB report on this issue, and respectfully, I anticipate it will be the final one. I am reaching out to you as an initial step in resolving this matter. Recognizing that errors can occur, I believe that through collaborative efforts, we can promptly correct this discrepancy. I kindly request that you conduct a thorough investigation, considering the steps I have taken to dispute the unauthorized application. Under the Fair Credit Reporting Act ( FCRA ), I am protected against inaccuracies on my credit report, and I trust that American Express will adhere to the legal provisions in addressing this issue. Your prompt attention to this matter is crucial in preserving the accuracy of my credit history. I request the resolution to include the removal of the unauthorized hard inquiry on my credit report, as this was not initiated by me. I appreciate your understanding and cooperation in resolving this issue promptly. I look forward to a timely and positive resolution.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: American Express was asked to remove the inquiry form my consumer reports ( XXXX, XXXX and XXXX ) because I did not give them permissible Purpose furnish my report. This company did not investigate, submit the written instructions or delete the inquiry on sent a letter of denial. This Act is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The letter of denial does not show that I was the one who submitted the application and gave them permissible purpose to furnish my account. I did not give my information to American Express and I want these inquiries to be removed off my account immediately. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: American Express, dispute team. There are some mean people working in the department with evil spirits and they bully customer as a XXXX of group. This needs to be investigated. It's not healthy at ALL. I was kicked around like a soccer ball by many AMEX agents since mid XXXX to XX/XX/XXXX almost 3 months wasted my time! They do this because they do not ever get caught or being reported and they think they have the power to do so since customer can't identify each of them, and there is no place to make a official report. AMEX bot system should require to display each agent 's ID everytime, so that AMEX agents can no longer do such illegal act, tease, mistreat, tell a lie answers, do shady illegal stuff, discriminate, take advantage of customer. This is what was happened in short. I claimed for a dispute case in back in XXXX, did back and force with merchant as a regular process. However in the end, the merchant has turned in a forgery of document as their response evidence and even ID-theft my signature, it turned out to be a huge criminal fraud case. however AMEX said they do not do a signature comparing testing! BTW, I'm with AMEX 23 years, that's so crazy to know that they don't even have a single record my real signature on the record! For hearing from them, I had to closed recent opened reward checking right away since they can't protect my purchase and signature! BTW, The FAKE signature didn't not need to have a test, even a kid can tell it was a fake. Police and lawyers even laughed said " really? AMEX can't tell by this? '' People can tell by the first sight it was a fake! Anyways, AMEX dispute team let validated criminal merchant 's document and send me a letter that I'm responsible of {$14000.00}. I had to go police and hire a lawyer and report AMEX with a police criminal case number, however AMEX dispute team didn't even review my latest document that I have submitted and force close the dispute case. On top of that, the dispute team didn't even tell me there was a special Fraud team that I could be transferred as soon as when I give them a Fraud red flag. They seem purposely kept me under their handling so that I could be continued to be a kicking soccer ball between many agents. When they closed the case, they even indicated the closing reason to be " I requested ''. which I never requested it or consent! ( I have a video as evidence for this as evidence ) I went back to talk to them several times, but again all agents gave me XXXX answers, like.. '' please come back 24 hours '' or " come back 7-10 days, blah, blah. Every agents I spoke to, they always tells me different opinions. when I asked for a supervising figure above dispute team, general customer care agent always redirect me back to dispute team so there is no-one watching dispute team 's bad illegal serving. Anyways, for the forcing closed dispute case, I was billed for {$14000.00}, and while the dashboard messaging says this : " We have adjusted your payment options to reflect a disputed amount of XXXX '' " Payment is not required at this time '' so on my end receiving opposite message I was XXXX when to pay for it if I had to. It's like they were gon na punish me by billing whole amount at once to surprise me. ( I noticed what they did by checking my credit report, and paid full amount for now next day ) The one of dispute lady I spoke to, she seems she did this on purpose to punish me because she has a discrimination and bias problem, serves her own rule. She didn't even take a look the evidence response I have upload to their site and force closed. For them to billed me unfairly like this is it's illegal. Their illegal handling made my XXXX XXXX XXXX drop XXXX ( XXXX ) Anyways, I filled complain FTC about this, and finally someone at Amex high ranked figure called me on XXXX, and sincerely apologized. After that I noticed that on XXXX, someone at AMEX tried to refresh my credit report, so that a big messaging of XXXX score to go away from dashboard display. It looks like solved the problem however, the refreshing the updates didn't bring back my score, it's still XXXX. The score stays dropped to XXXX to XXXX. PLEASE FIX it ASAP. BTW, for someone to came in to refresh my credit report on XX/XX/16, this tells me that AMEX agents were telling me a lie to come back to contact them 7-10 days. In fact, for someone came in to trying to updated my credit report was possible right away. I guess whomever could get in trouble by the FTC reporting, the person didn't want to leave any trace of illegal when FTC to investigate my claim. AMEX dispute team illegal service, punishing customer this way and bully customer which is a against consumer protection law. I had to save every conversation video tape and screenshots since they kept to do shady staff to me over 3 months. Please have the chat bot system to automatically spits their solid ID which allows to trace back when mean agents to come around. I could post the whole conversation with AMEX agents over 3 months on SNS if it needs to be. PLEASE FIX my credit score ASAP and show me the proof you have fix it.
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I did not open any card with American Express im devastated to see someone applied for a card under my name and was using it without my knowledge.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A