|
11370237
|
2025-01-03
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
11255770
|
2024-12-23
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-23
|
|
|
11021312
|
2024-12-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Complaint What Happened |
This complaint has been submitted to the CFPB to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block any information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent and inaccurate information includes a personal credit card account opened with American Express in XXXX for the amount of {$1000.00} ( card number XXXX ) and a second card from XXXX XXXX with a balance of {$5900.00} ( account number XXXX ), also opened in XXXX. These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have included a list of the disputed hard inquiries and a copy of the consumer XXXX credit report maintained by you, which highlights the fraudulent items in question. I do not recognize the accounts, collections, or hard inquiries mentioned above. None of these accounts, collections, or inquiries were opened, made, or initiated by me. All of them are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as evidence from the U.S. Federal Trade Commission confirming that all the disputed consumer credit accounts, collections, and inquiries are indeed the result of identity theft and fraud.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11343247
|
2025-01-01
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
|
|
10942427
|
2024-11-27
|
Trouble using the card
|
Prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-11-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-27
|
| Complaint What Happened |
On XXXX XX/XX/year>, I received a digital gift card from AMEX for the amount of {$300.00}. I tried to purchase items from XXXX online merchant and the card declined. A XXXX cent hold was placed on the card despite the order not going through. I then tried to make a different purchase from XXXX where the card declined again. I then called AMEX gift card customer support which stated to try and use the card again. I tried a final time to make an online purchase on XXXX where the card denied a third time.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6406334
|
2023-01-06
|
Fees or interest
|
Credit card or prepaid card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-06
|
| Complaint What Happened |
the card if my American Express business card. from time to time I am late on a payment. strictly because i get busy and forget. on my XX/XX/XXXX closing date, i was XXXX day late but paid in full. on my next statement i expect a late fee and some interest. I was late and I paid it. that would be the closing date of XX/XX/XXXX. note : this statement was paid on time and in full.
on the XX/XX/XXXX closing date statement, i notice interest. I called, they said it was interest from the XXXX day late statement. back on XX/XX/XXXX. when you ask, they can not explain it.
XX/XX/XXXX statement : XXXX day late. which will generate interest on the next statement.
XX/XX/XXXX statement : late fee plus interest from XX/XX/XXXX statement. statement is paid in full.
XX/XX/XXXX statement : has NO late fee but more interest from the XX/XX/XXXX XXXX day late.
how and why : the XX/XX/XXXX statement that included the late fee and interest from the XX/XX/XXXX XXXX day late was paid in full. Hence that stops all interest. you are not charged interest if you pay your bill in full.
now I dont care what the hidden rules state on the card. this bureau was set up to create fairness and protect consumers.
I did not mind paying the late fee and interest on the XX/XX/XXXX statement. but if a person pays that statement in full and on time, the interest should stop. under this situation, when will the interest end???? where in my contract does it clearly state if you are late or fail to pay your balance in full, the interest will take XXXX, XXXX or XXXX statements to zero out.
how do you zero out the interest? that needs to be crystal clear and it is not. this is a scam. and when i called, they can not answer the question. they can not show you in the card agreement where it states, it will take X months to zero out.
and how does XXXX day late generate interest when the bill is paid in full? i understand it generates a late fee but not interest. your only suppose to pay interest if you carry a balance.
the entire issue is very simple : how do you zero back out on the interest when you are paying your bill in full every month??????????
|
| Consumer Consent Provided |
Consent provided
|
|
|
7521859
|
2023-09-08
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Card was charged for something you did not purchase with the card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-09-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7119329
|
2023-06-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6280860
|
2022-12-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6008025
|
2022-09-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6079115
|
2022-10-13
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-10-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-13
|
| Complaint What Happened |
I made a reservation for a hotel via AMEX 's website with my AMEX card on XX/XX/XXXX for {$1900.00}. I ended up canceled the reservation the next day with AMEX. A credit was issued for {$1900.00} on XX/XX/XXXX. AMEX has a program for my card called Pay Over Time and my balance I had before this charge had me paying roughly $ XXXX {$100.00} a month. My charge and credit happened within the same billing cycle so it should not have changed my monthly payment amount drastically. AMEX issued my statement for XXXX and has my minimum payment to be {$1900.00}. I was told by their Customer Service that it was because I did not pay my balance in full from the previous month 's billing. I'm not required to since it is Pay Over Time. I was also told that the credit for my reservation was issued as a payment to my account instead of as a credit for the reservation I canceled. Therefore, having me pay in full for a reservation I canceled. I spoke to two representatives on the phone and 3 via chat and I have received all different explanations as to why my payment for next month jumped from $ XXXX {$100.00} to nearly $ XXXX and no resolution as how to fix it. I believe it to be an accounting error with how the credit posted, but no one at AMEX understand it. They're only reading me my charges and credits off the statements that I can see for myself. I had to threaten to file a complaint before someone took me seriously and really looked into the situation. I was told it would be resolved in 72 hours, but I am not very hopeful.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5819562
|
2022-07-28
|
Other features, terms, or problems
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem with rewards from credit card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-28
|
| Complaint What Happened |
On XX/XX/XXXX XXXX attempted to dispute, via their online chat, the reversal of a statement credit I received from American Express ( AMEX ). As of XX/XX/XXXX I had not received a response. I spent over an hour online chatting with several different AMEX representatives on XX/XX/XXXX because I had not received a response ( their system kept glitching and my messages would disappear and I would belatedly receive messages from their reps ). And, I was told they could not find the Case ID I had been given on XX/XX/XXXX. After finally being told, after an hour, that they would not reinstate my earned {$220.00} statement credit, I noticed the open dispute button on their website. Though I had previously attempted to directly open a dispute regarding the {$220.00} charge / statement credit reversal, I did not find an option for that. I did today and, to my dismay and surprise, found that a dispute had been opened on XX/XX/XXXX, the day of my initial chat and, also closed on that day without any reason being given for the opening of the dispute or the closing of it... Also, in that portion of the dispute window it was stated I had been provided a written response with the reasons for the denial. I was not provided any written response as they indicated. I met the terms required to receive the {$220.00} statement credit and they improperly rescinded and cancelled it. There was nothing on the face of the document I received indicating that I would have to keep the card open for 12 months or the credit would be cancelled. Nor was I provided such information at the time I was cancelling the card or I would not have cancelled it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5819415
|
2022-07-28
|
Fees or interest
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-28
|
| Complaint What Happened |
I received an offer for a credit card in the mail from American Express ( AMEX ). If I would return to them they would provide a statement credit of {$220.00} if I would spend {$2000.00} within the next 6 months. This was all that was stated on the face of the offer. I fulfilled my obligations and received the {$220.00} statement credit. I later cancelled the card. Immediately after my cancellation AMEX cancelled my statement credit and put a {$220.00} balance on my card. I began contacting them about this online on XX/XX/XXXX and disputing the reversal of my statement credit. I was told I would receive a response within 5-6 days. On XX/XX/XXXX I contacted them again. After several tries with several different representatives, I finally had a purported supervisor in XXXX tell me they were not going to honor the agreement and would not reinstate the {$220.00} statement credit because, in the fine print in the agreement that was purportedly online when I signed up, using the RSVP I had been sent, there was a clause that if I closed the account within 12 months they would rescind the statement credit. This was not on the face of the offer I received in the mail and I was not informed of this at the time I was cancelling the card. Or, of course, I would not have cancelled it. It is false advertising and mail fraud for AMEX to send me such an offer in the mail, stating an offer on its face, then claim later that there were additional rules and requirements contained elsewhere in a long online agreement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4863840
|
2021-11-01
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2021-11-01
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-01
|
| Consumer Consent Provided |
N/A
|
|
|
4640754
|
2021-08-18
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-08-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-18
|
| Complaint What Happened |
On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. XXXX of them being American express on XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10374161
|
2024-10-07
|
Trouble using your card
|
Credit card
|
|
| Tags |
Servicemember
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-10-07
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-07
|
| Consumer Consent Provided |
N/A
|
|
|
10653764
|
2024-11-01
|
Advertising and marketing, including promotional offers
|
Credit card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Didn't receive advertised or promotional terms
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-01
|
| Complaint What Happened |
Dispute of {$42.00} - XXXX American Express XXXX in # XXXX XXXX XXXX XXXX On XX/XX/year>, was approached by a XXXX American Express employee to take out a credit card offer that they were currently promoting. The old lady was very friendly and explained to me the card had " no annual fee '' the first year and for signing up that I could visit their XXXX lounge. I was having difficulty signing up for the card on my phone, so the employee took my phone and helped me sign up. ( since I do good to answer and make phone calls on my smart phone ).
After my return from my trip, I received a statement dated ending XX/XX/year> in the mail for {$650.00}. I called and spoke with a XXXX at American Express and explain to him that this was not what I had signed up that it should be a {$0.00} annual fee according to what I was advised by the lady at the XXXX XXXX.
XXXX advised me that they had no such promotion. I advised him that apparently, she was a salesperson trying to sell me something for a commission. XXXX apologized for what happened to me and stated that he would remove the charges and sign me up for a " XXXX XXXX XXXX card '' On my next statement ending on XX/XX/year>, I received I had a credit of {$600.00} instead of the entire amount of {$650.00}. I called again on XX/XX/year>, and again explained the issue all over again. This XXXX XXXX stated that the previous agent did not document what was explained first time and gave me a Ref # XXXX and stated that they would research the issue. I was also advised that they should have the investigation completed by XX/XX/year>.
On my next statement ending on XX/XX/year>, I received interest and penalty charges on the {$42.00} that was not originally credited. I called again and spoke to an agent named XXXX.
On XX/XX/year> I called again, and this time asked to speak with a supervisor. I was transferred to a second line supervisor by the name of XXXX. I explained to her my frustration and anxiety due to the fact that they advised me that the investigation was to be completed by XX/XX/year> which they have not done so. She removed the interest and penalties but could not give me a time frame when the {$42.00} would be removed.
This has been very distressing and I'm ready for this to be over, please help.
You would believe after four attempts that this issue would be resolved.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10926051
|
2024-11-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8269077
|
2024-02-02
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8281535
|
2024-02-04
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3173750
|
2019-03-08
|
Advertising and marketing, including promotional offers
|
Credit card or prepaid card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Didn't receive advertised or promotional terms
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2019-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-08
|
| Complaint What Happened |
On XX/XX/2019 I applied for a Gold Delta SkyMiles Business Card in response to a promotional email I received. The promotion states approved card members will receive XXXX Bonus Miles after you make XXXX in purchases in the first 3 months and a {$50.00} statement credit after you make a XXXX purchase within the first 3 months. Also, there is no annual fee for the first year. After the first year, the annual fee is {$95.00}. I received the XXXX XXXX Sky Miles and the {$50.00} statement credit, but XXXX did not waive the annual fee for the first year. In response to my previous complaint with CFPB against the credit card company, XXXX stated this promotional offer is only for the Gold Delta SkyMiles consumer card. The enclosed promotional offer does not state this offer is only valid for the consumer card ( see attached ), nor was I told that when I applied for the credit card. This is nothing more than an illegal bait and switch tactic. I spoke with a representative this morning at XXXX. The representative stated she can't see this promotional offer I am referring to because it is expired. However, she said the promotions are the same for business and consumer credit cards.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3168730
|
2019-03-04
|
Advertising and marketing, including promotional offers
|
Credit card or prepaid card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Didn't receive advertised or promotional terms
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2019-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-04
|
| Complaint What Happened |
In XXXX of 2019, I applied for a Gold Delta SkyMiles Credit Card through American Express ( AMEX ) During a promotional period. The promotion states, " Earn XXXX Bonus Miles after you make {$2000.00} in purchases on your new card in your first 3 months and a {$50.00} statement credit after you make a Delta purchase with your new card within your first 3 months. '' Also, the offer states, {$0.00} Introductory annual fee for the first year, then {$95.00}. '' I received the XXXX bonus miles and the {$50.00} statement credit. However, AMEX charged my credit card the annual fee, which is suppose to be waived the first year. I contacted AMEX, spoke with three individuals, including a supervisor, who all stated they can not locate this promotional offer. I offered to provide AMEX with a copy of the promotional offer, but they refused to accept it.
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| Consumer Consent Provided |
Consent provided
|
|
|
10373053
|
2024-10-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information is missing that should be on the report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-07
|
| Complaint What Happened |
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
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| Consumer Consent Provided |
Consent provided
|
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8794555
|
2024-04-18
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-04-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-18
|
| Complaint What Happened |
On XX/XX/XXXX, I purchased a {$500.00} Amex gift card to send to my boyfriend who works out of state. He uses disposable phones when he goes to some of these rural states since our local cellphone provider doesnt good coverage in other areas. I texted pictures of the gift card and the receipt to what I thought was his new cell phone. It was not until he later asked me why XXXX XXXX sent them that I realized Id sent them to a different number. I immediately panicked thinking the person who received the pictures in error would be able to use the card. I called the number on the back of the card and was told the current balance was {$3.00} after a {$490.00} purchase on XX/XX/XXXX. I called the American Express gift card division on XX/XX/XXXX to report this as a fraudulent transaction. They opened a case on it ( case number XXXX ) and told me there would be a full investigation. I told them that Id be happy to supply pictures of the receipt that proves I purchased this with my debit card, as well as pictures to show the card is still in my possession, and any other documentation they required. They told me that someone from the investigation team would email me with instructions on submitting documentation ( this never happened ). They also told me on this original phone call that a resolution should be made in XXXX business days. I went over a week with no reply. Finally I called back on XXXX at which time I was told it would take XXXX days. I asked again if I could go ahead and submit documentation to expedite the review process and was told it was not necessary. Today I received a email notification that my dispute had been denied. I replied to the email requesting an explanation. I have not yet received a reply. I also called the gift card customer service dept and asked to speak with someone on the investigation team. I was told this was not allowed. I then requested to speak with a supervisor and was transferred to the supervisor of the dept that answers the phones. He told me he could not do anything about this and told me to just reply to the email I received. I then notified him via phone and the company via email that I intended to file a complaint with CFPB.
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| Consumer Consent Provided |
Consent provided
|
|
|
3079668
|
2018-11-20
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-20
|
| Complaint What Happened |
Amex calls me repeatedly even though I have explained my financial situation and my inabiltiy to pay at this time. The phone call I just had with a debt rep from Amex consisted of him repeatedly telling me if my payment wasn't made today, I would be turned over to collections. I asked for the late payments to be removed and he stated they could only remove 3 fees. I asked for more and he kept repeating himself about closing the account and sending me to collections. When I asked him to stop making threating statements and asked for his supervisor, he refused and continued repeating himself about what will happen if I don't make a payment.
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| Consumer Consent Provided |
Consent provided
|
|
|
2877770
|
2018-04-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-04-17
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-17
|
| Consumer Consent Provided |
N/A
|
|
|
10529577
|
2024-10-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2114239
|
2016-09-15
|
Identity theft / Fraud / Embezzlement
|
Credit card
|
|
| Tags |
Servicemember
|
| Issue |
Identity theft / Fraud / Embezzlement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2016-09-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-21
|
| Complaint What Happened |
While on XXXX an American Express card was cloned.
Part of an identity theft. I tried to work with Amex they refused to assist. On a weekly basis my bank pays Amex. Amex refuses to speak to me. They say there is a collection agency handling. I have never received anything in writing from anyone other than Amex after the fact saying the account was closed. After I complained that my credit report was not reflecting my payments in accordance with Amex 's agreement Amex charged off the card. Essentially, they accepted a plan due to the complex situation and then acted as if it never was agreed. I 'm continuing to do exactly as agreed. Amex receives money weekly, but I can not log in and have no proof other than I get a balance email from Amex. I 've written over and over and called Amex over and over they refuse to speak with me. The only organization worse is XXXX that essentially did the same thing minus the charge off. Every 6 months a person from the collection agency will call and try to get me to pay a lesser amount and " close the account ''. Today they called offering me another Amex card if I paid off the {$1700.00} or so owed. I 've paid over {$3000.00} just as agreed. However, this alleged collection agency will not send anything in writing. On my credit reports it shows no payments being made. I really do n't know what to do other than to keep sending weekly payments to Amex as agreed. It 's the honorable thing to do. This fraud situation has destroyed our lives. We have no rights these banks can do whatever they want. If you think it can not happen to you I am living proof that is not true. So we will keep paying just as we promised Amex until we execute our agreement with Amex. I 've filed a congressional investigation seeking to expose Amex and the puppet credit bureaus that are tools keeping people enslaved to debt. I know nothing will happen, but the offer of a " new '' card today was more than I can take. We just keep paying just as agreed. Just look at the date closed and date charged off. We never missed a payment. Amex just got angry that I filed a dispute as my payments were not showing up and punished me by charging off the card. Vindictive hubris. XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2034041
|
2016-07-27
|
Fraud or scam
|
Prepaid card
|
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Product |
ID prepaid card
|
| Date Received |
2016-07-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-07-29
|
| Complaint What Happened |
today is XXXX/XXXX/16 Dear cfpb, I have a cash only prepaid debit card with bluebird, handled by American express. I can only add funds to it by going to XXXX, with cash. An electronic transfer was made into this account by an online credit union on XXXX/XXXX/16 for XXXX cents. On XXXX/XXXX/16 another online transfer by the same credit union in the amount of {$2500.00} was made and then withdrawn 5 hours later. Later the credit union realized their mistake and asked bluebird to return the funds which were already withdrawn from my account. Bluebird refunded what funds were left in my account to the credit union, {$190.00}. All these transactions were done without my knowledge and I was not aware of this until I went to use my bluebird card and found out it was frozen.
I 've called both the credit union and bluebird countless times with an unbelievable assortment of stories. I just want my {$190.00} back. Its a cash only prepaid debit card, this is a pretty much an open and shut case, but American express refuses to help. I gave the credit union the transaction numbers that were given me thru emails but they said those numbers do n't match ones they typically use and could not talk to me further about the matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2258396
|
2016-12-20
|
Transaction issue
|
Credit card
|
|
| Tags |
Older American
|
| Issue |
Transaction issue
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2016-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-12-20
|
| Complaint What Happened |
On XX/XX/2016, I ordered some cosmetic products at XXXX, XXXX, NV XXXX for delivery by shipment on XX/XX/2016 - because the merchant did not have all of the products in stock and because we did not wish to attempt to return to our home in XXXX with those ( requiring additional airline baggage fees ). The merchant agreed to ship those products for free due to the size of the purchase - {$2200.00}. However, upon reflection, we decided we would cancel the order and returned the next day to do so. Since the merchant prevaricated about how that could be done ( for several days including in person, via text and email messages, and over the phone ), the credit card used for the charge ( American Express ) was called and the charge disputed. Though the credit card receipt said " There are no refunds or returns '', research of the Uniform Commercial Code with later confirmation by a lawyer we engaged indicated that we were within our rights to cancel that order regardless of the receipt verbiage, especially since we had not received the product. Initially, the merchant communicated with us about still shipping the product ( even creating a shipping label of which we were advised by FedEx ) and promising additional discounts. Using only the CC receipt, they attempted to rebut the dispute and initially gave American Express the ( unused! ) tracking number for the shipping label as proof of delivery. In one call with American Express, their agent even said that the merchant had claimed to have shipped the product ; however, when tracking status and other information ( text messages and emails from the merchant ) showed that the product had not been shipped, the merchant then claimed the product had been picked up at time of purchase. American Express tentatively accepted several disputes, but for each dispute eventually sided with the merchant. I feel that American Express has knowingly abetted a commercial fraud by the merchant by continuing to post the charge to my credit card account. I believe they have done so to curry favor with the merchant to ensure continued acceptance of their card by the merchant and/or to ensure they collect their credit card processing fee from the merchant. Our lawyer has advised that suing either American Express or the merchant for this fraud would cost more than the charge. It appears that both the merchant and American Express are aware of this and so are confident that they can perpetrate the fraud with impunity. Note that my wife has a similar dispute with her XXXX credit card purchase at the same merchant, but I suppose that will need to be filed separately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2391806
|
2017-03-17
|
Unauthorized transactions/trans. issues
|
Prepaid card
|
|
| Issue |
Unauthorized transactions/trans. issues
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Product |
General purpose card
|
| Date Received |
2017-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-20
|
| Complaint What Happened |
I received a {$500.00} American Express prepaid gift card from a family friend for XXXX. She bought it straight from AmericanExpress.com and had it FedEx expressed to my house. I am a college student and {$500.00} is a lot of money to me. I got the card on XX/XX/XXXX and did not spend any until XX/XX/XXXX. At that time I spent {$54.00} at a company called XXXX. I ordered it from their secure online site and received my purchase. I tried to swipe it at XXXX XXXX in my hometown and it was denied on XXXX XXXX XXXX. At that time I went online to check the balance and the balance was {$0.00} and looking at the charges I know I made none of these. It was quite obvious since I do n't live in New York and do n't have a T-Mobile account or shop at XXXX, or even know what XXXX are. These thieves are so certain that nothing will be done about it that they even paid their POST PAID cell phone bill, XXXX, and even shipped things to their home address. I got {$440.00} stolen from me and when I contacted AMEX they told me that sorry it 's treated like cash and there is nothing they can do about it. So what this is telling me is AMEX got their {$500.00} and take no responsibility that my {$440.00} was stolen because they already got their {$500.00}. I do n't understand how AMEX is allowed to do this, because it is not only supporting theft but also AMEX themselves are stealing peoples money.
|
| Consumer Consent Provided |
Consent provided
|
|
