Date Received: 2021-12-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had a credit card with American Express. I was slowly paying back the debt on every paycheck. One day the stopped collecting payments and sold my account to another company. However they continue to post the total amount from when I began paying them back. I have contacted AMEX and they no longer hold that account. It continues to show on my credit since and theres no way for me to remove it or settle it.
Company Response:
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been an AMEX Card holder since 2018. Paid my statements on time ; sometimes than the minimum. AMEX refuses to increase my credit limit.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I'm writing this complaint in regard to an adverse action letter I received concerning a consumer credit application I submitted to AMERICAN EXPRESS on XX/XX/XXXX for a XXXX XXXX American Express Card, I am a business owner and intended on using this credit line to buy business supplies to keep functioning especially during this time with the pandemic going on and I was deprived of the right to access my open end consumer credit plan and this has caused me financial hardship and stress. Pursuant to the FCRA, as a consumer, accuracy is defined as the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. Congress talks about accuracy and fairness, they're asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict AMERICAN EXPRESS of 1 count of taking unjust advantage against me on XX/XX/XXXX. according to 15 USC 1681m the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why does it not ever mention being denied for credit? The answer is in Truth In Lending Act ( TILA ). I am aware that there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open-end credit plan, which I administered and extend/originate myself credit to make them a creditor/debtor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions don't loan money because there hasn't been any in circulation since XXXX and also pursuant to 12 USC 83, banks are prohibited by law to make loans or discounts on the security of the shares of its own capital stock. So what is American Express denying me for exactly? are they admitting to violating their corporate charter by attempting to loan me money? Where is the credit coming from exactly? Can they provide me and the CFPB with documentary evidence on where the money being lent is coming from? They are found to be in violation labeled Exhibit A. This is not a request, I am granted the right to credit under my open-end credit plan which I am administering. Pursuant to 15 USC 1681m The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any INSURANCE, existing or applied for, in connection with the underwriting of INSURANCE ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. The law did not mention any denials of credit but does mentions denial of insurance or employment. The application I submitted to AMERICAN EXPRESS was a consumer credit application. Pursuant to 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Does this not mean that I granted the right to AMERICAN EXPRESS as the debtor in this transaction to incur debt and defer its payments? so why am I being denied for CREDIT that I am granting? I did not apply for insurance or employment with AMERICAN EXPRESS. Every consumer credit transaction includes a finance charge. a finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit pursuant to 15 USC 1602 ( j ) - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance .I 'm granting the right as the original creditor to open, my open-end consumer credit plan. copies of the federal laws will be uploaded labeled exhibit c, d and e.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XX/XX/XXXX, I opened a charge card with American Express, their Platinum Card product. I opened the card as part of a promotion they were running. The promotion offer was to receive XXXX points in their Membership Rewards program if I spent at least {$6000.00} in 6 months from the date of account opening ( there were other terms to the promotion, but I had not problem with those other terms ). The card requires that I pay a {$550.00} annual fee. Around XX/XX/XXXX, I reached the required amount of spend within the allotted 6 month period. While their terms dictate that points for a promotional offer like this would post to my account within 8-12 weeks, promotional offers I've participated in in the past have posted within a few days ( this is also corroborated by other American Express users on the internet ). I contacted American Express for the first time over chat around XXXX ( 2-3 weeks after meeting spend ) and was told about the 8-12 week terms and to wait until those terms expire. I contacted them a few more times during this 8-12 week period, but they declined to act on the issue until the term was up. After the 8-12 weeks were up ( around XXXX XXXX ), American Express opened a ticket into the issue. They told me to reach out to them after a few business days, then after a few weeks. After a few weeks, the ticket was escalated. Around XXXX XXXX, I was told by their customer service representative that the fact that I didn't get the points was a technical " known issue '' and was being worked on by a few of their teams to reach resolution. I was told I would definitely get the promised points. I reached out to their customer service representatives over chat a few more times after that, and received the same message about a " known issue ''. I was no longer told to follow up with them after some amount of days or weeks. In late XXXX XX/XX/XXXX I reached out to their XXXX customer service team ( XXXX XXXX XXXX ) since I heard they are better able to handle niche issues. This led to the same thing, I was told it was a " known issue '' and that I would definitely receive points. In late XX/XX/XXXX, I was charged another {$550.00} for the second year of card membership. I was not pleased with my experience having this card because of this promotional offer issue and was considering closing it. But I felt compelled to keep the account open since I felt they would not honor the promotional offer if I closed the account. To this date, I have not received the promotional points offer and I have no estimate from them on when I could possibly receive it. A few days ago, a fellow American Express cardmember responded to me because he had a similar experience with them. They also opened this card in XX/XX/XXXX, also met the spending requirement in XXXX, and it took them months to resolve the request. Here is what they wrote ( I can link to their response on the internet ) : " I actually also signed up XX/XX/XXXX and meet my XXXX ~XXXX, for months I didn't get my XXXX. I called and chatted in countless times and was given the same XXXX excuse, 8-12 weeks additional to the 8-12 weeks. A savy CSR found exactly what my promotion ID ( PID ). He read the terms and escalated to the rewards team and explicitly mentioned the PID number. 3 weeks later I had my XXXX XXXX and I found out my points had to be manually added. ''
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
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 stayed at XXXX XXXX XXXX XXXX and they placed {$150.00} credit hold on my American Express Bluebird card. On my account it says {$170.00} on hold. I left the hotel on the XXXX of XXXX. It was released immediately at XXXX XXXX according to XXXX at the hotel on XX/XX/2021. XXXX XXXX is still holding the charge on my card 11 days later after the hotel released the hold. They have no business holding the funds any longer and will not release the funds even after I've had the hotel on the phone. I want my funds released immediately. Thank you.
Company Response:
State: VA
Zip: 22032
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX XXXX and addition +4 membership rewards no matter what card your friend is approved for ''. I utilized this offer and used it to refer one of my friends, he applied and was approved for the XXXX XXXXXXXX credit card. I submitted the complaint but I was rejected saying that " We reviewed the referrals from XX/XX/2021 and found that the referral link was used however the application status can not be determined. " However, this does not make any sense. The people I referred is my close friend, so he has shared with me his approval email on XX/XX/XXXX. I have attached it as the proof!
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have been an American Express member since 1983, I have a XXXX American Express XXXX XXXX ( for which I pay a stunning {$5000.00} in and I have spent more than {$3.00} million on the card in the past few years- I had thought I was a good customer. I even have a dedicated line ( XXXX XXXX XXXX ) which is supposed to reach my " XXXX XXXX XXXX. '' I called this evening ( XX/XX/XXXX ) at XXXX XXXX and was on hold for 21 minutes before the phone went dead. In short, it is impossible to reach " dedicated '' customer service
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had a 10k credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had a XXXX credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra XXXX that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from XXXX to XXXX for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American express has closed my account
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A