Date Received: 2023-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Amex closed this accounts during XXXX XXXX and despite the legal harassment, I went ahead and did more than a settlement asking the legal team to delete these account from the reporting as they were a third party, this did not happen and for the next XXXX years whenever i dispute these account Amex in their history put it as a fresh charge off .I am attaching images of XXXX, XXXX and XXXX where the historic data clearly shows as a XXXX and XX/XX/2023 charge off, whenever i apply for a credit card or loan, this shows as recently delinquent account instead on XXXXThis is just not acceptable hence raising a serious complaint to CFPB
Company Response:
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I received an email telling me I had options for a different flight and I asked about a refund. Never told them to give me one. On XX/XX/XXXX, I received an email from American Express saying that I had been refunded for a flight for my honeymoon to XXXX for {$1900.00} Unaware of this, I did not rebook my flights. I booked my flight and hotel together and they only refunded my flight because my flight had been changed. On XX/XX/XXXX six days before my flight leaves, I got a confirmation email saying that the flight I had booked is still ready to go. I showed my wife the email on XX/XX/XXXX and she looked it up and it showed that the flight had been refunded and it was not good to go. I called American Express and they said that I needed to rebook the flight for the new up charge of {$1500.00} per ticket ( I needed two tickets ). They said I would have to book them if I wanted to go and they would create a case for me to dispute the charges and would contact me within 72 hours. American Express does not contact me within 72 hours and by the time they do contact me Im out of the country with no cell service. They called me XX/XX/XXXX. Almost a week later. They email me on the XXXX as well which I respond by telling them I wont be able to get talk because Im out of the country. I will be back on the XXXX. Once I get back, they call me on XX/XX/XXXX. I talk to a female named XXXX. She tells me that they have documentation showing that it was refunded and that I need to take accountability. They offer me a {$500.00} travel voucher thats good for a year. I received an email and a refund but I did not notice it until XX/XX/XXXX. As previously stated above. American Express canceled my flight not my hotel, forced me to book a new flight and add another night, and then told me that I need to take accountability for this.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX I filed a complaint with the CFPB about AMEX reporting information on my credit report that is not mine. I attached the Police report and FTC report. The complaint ID numbers are XXXX, XXXX and XXXX Please view for attachment purposes. On XXXX They responded by sending an agreement attachment. The attachment will be upload. The attachment has the address spelled wrong and left off my prefix. which I never do. My name is XXXX XXXX XXXX. It has no signature and the complaint was closed. I am distressed that AMEX have included the information on my credit profile and that thay have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the accounts be verified or removed immediately
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX I filed a complaint with the CFPB about AMEX reporting information on my credit report that is not mine. I attached the Police report and FTC report. The complaint ID numbers are XXXX, XXXX and XXXX Please view for attachment purposes. On XXXX They responded by sending an agreement attachment. The attachment will be upload. The attachment has the address spelled wrong and left off my prefix. which I never do. My name is XXXX XXXX XXXX. It has no signature and the complaint was closed. I am distressed that AMEX have included the information on my credit profile and that thay have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the accounts be verified or removed immediately
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
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 was charges by XXXX for an anual charge. When I received the bill and saw the charge I called to ask why. They said that it is automatic billing and even as I received no notice I am required to pay for it ... as back in 10 years back I agreed agrred to get billed annully. they said they will cancel the bill in XXXX.and I am free to use the product for another year. Even afrer I explained that I have not used the product for a long time and do not intend to used the product, thay said sorry the charge was charged already.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: identity theft alert is placed on my credit report
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX from an XXXX XXXX XXXX on XX/XX/XXXX. When I XXXX I sent my corporate American Express card back to my employer. On XX/XX/XXXX I received a bill for a corporate American Express from my old employer and sent to an address I moved away from in XXXX ( I am still have contact with the current residents. ) I sent this documentation to my previous employer and was informed it would be taken care of. On XX/XX/XXXX I received a letter at my current address informing me that my corporate Amex had been canceled and referred to XXXX XXXX. This is very confusing because I have had an American Express account since XXXX and I still use the card everyday. I was never contacted by Amex regarding the delinquent corporate card. Now I am being harassed by a credit collection agency by mail and by phone daily.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: American Express has a well advertised policy wherein they will only perform a hard inquiry only under the conditions that A ) you are approved for a card and B ) you choose to accept the offered card. On XX/XX/XXXX, I consented to a soft inquiry to see if I may be pre-qualifed for an American Express Hilton Honors credit card that I was interested in. My application reference number is XXXX, and this is a link to the application landing page for the card I applied for : https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-credit-cardXXXX XXXX The very beginning of the application says the following : " Know if youre approved for this Card with no impact to your credit score. This process helps you apply with confidence. Heres how : Complete the application. Well let you know if youre approved first without any impact to your credit score. If you choose to accept the Card, the information we provide to credit bureau ( s ) may impact your credit score. '' Thus I believed I was consenting to a soft inquiry, but did have the understanding that this would become a hard inquiry if I was offered a card and chose to accept it. Unfortunately, American Express contradicted their own terms and marketing materials by placing a hard inquiry on my XXXX credit report despite denying my application. The hard inquiry decreased my XXXX XXXX XXXX credit score which further contradicts American Express ' promise to consumers of only impacting their credit score if they are approved for the card. I have called American Express to see if the inquiry can be removed or if the decision may be reconsidered. I was advised that the decision on the application could not be reversed and two AmEx representatives told me to contact XXXX to file a dispute when I mentioned my grievance with the hard inquiry. XXXX 's policy is that disputes on inquiries XXXX only be submitted to XXXX in the event of identity theft. I was then advised by an XXXX representative to dispute the inquiry with American Express. I am instead submitting my complaint to the CFPB because I have already tried to resolve the issue with American Express and have thus far been unable to do so.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/1923 I made {$900.00} payment to Amex. AT XXXX set on XX/XX/1923 I noticed that there was no funds in the checking account assigned to the payment and it didn't go through so I made sure money was there and tried another payment. At XXXX XXXX Est I had an available of {$1300.00} but my card was declined at XXXX for around {$56.00}. I called AMEX and was told my entire account to include employee cards are on hold until the original {$900.00} payment is made so they are going to try 2 more times and after that wait 7 days if it is not there. I explained I paid it earlier on the XXXX. I was told it don't matter and I shouldn't have made the payment on the XXXX I called on XX/XX/XXXX and I was told this process is standard and they can not stop it. I explained I am losing business, invoices is not getting paid on my auto payments I have set up on this card. I asked them to provide me where this is written in my statement or terms and service they could not provide. I have lost money and business due to them freezing my account without any notice and terms.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the Fair Debt Collection Practices Act ( FDCPA ), who have been threatened by legal action as unfair or unconscionable means to collect or attempt to collect an alleged debt by debt collector American Express by implication of attorney alleging a debt in excess of {$1.00} as a false, deceptive misrepresentation of a cash surplus/ credit balance as expressed by the Fair Credit Billing Act to unfairly mislead consumer to belief the omission of negative balance constitutes a debt balance. American Express use of false, deceptive, or misleading representation by account stated in connection with the collection of any debt by misrepresentation of the character, amount, or legal status of the alleged debt is disputed for validation, verification, and proof of claim expressly authorized by the agreement creating the debt. The debt collector has harassed me by furnishing my nonpublic personal information without sufficient proof of claim. They have failed to provide any errors, defects, omissions, or mistakes on payment instruments, nor have they followed the instructions given for the right of set-off in instruments tendered as full prepayment. Moreover, I have not been given an opportunity to rectify the matter or return the instrument with instructions or pictorial evidence for a satisfactory resolution. take notice the data you have in your possession, ascribed value of {$250000.00} lawful money is private, confidential, and licensed information, subject to exclusive use, intent, and purpose. I am notifying American Express of my rights associated with this exclusive offer, granting you permission to house and utilize this data under the condition that proper security measures are implemented to safeguard its exchange and usage in accordance with consumer protection regulations. I revoke consent to any communication by use of AI Technology and/or electronic agents.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A