Date Received: 2021-09-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: The company contacted by employer and told my employer that I was going to be served a warrant at my place of work. Repeated phone calls from several numbers.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Heres what transpired, funding was obtained on my credit card to build this business through XXXX XXXX and they were only accepting payments through wire transfer. A law firm, escrowed funds for me and charged me for this service. I sent XXXX XXXX a wire transfer & they went out of business and didnt fulfill any of their services/products. American Express sent me a court summons. Again, XXXX XXXX told us they only accept wire transfer. We went through a law firm to escrow the funds. We sent them a wire transfer and they didnt do their jobs. XXXX XXXX did wire fraud which is a felony. I have all the proof : from all the other complaints, XXXX website, filed a complaint with the XXXX Attorney Generals Office ( online ), filed a police report & the FTC ( Federal Trade Commission ) coming after them.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2021 I lost my American Express PrePaid debit card. I promptly ordered a replacement later that evening. While doing so, I became aware of 2 unauthorized charges that had taken place while my card was lost : XXXX XXXX XXXX {$2700.00} and XXXX for {$100.00}. I then Filed a dispute with the organization. I received a replacement card shortly afterwards and realized that the replacement card had the same # 's as the lost card. I called customer service and was told the representative that handled the call that evening made an error by marking my card " DAMAGED '' not " LOST ''. I ordered a second replacement card. I then received notification from American Express that my dispute was declined. The statement they used was " no error was found ''. I have since then made several attempts to resolve this issue. To no avail. I'm a XXXX XXXX XXXX XXXX American Veteran and deserve better treatment than this. Will you please help me. Thanks.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I made two payments of {$8400.00} from my XXXX XXXX business checking account ending with XXXX respectively on XX/XX/XXXX, and XX/XX/XXXX. 1. The {$8400.00} payment on XX/XX/XXXX failed and the money was returned to my XXXX XXXX checking account. 2. The {$8400.00} payment on XX/XX/XXXX was successful, XXXX XXXX payment confirmation ( attached here ) shows that the money was successfully paid to American Express. However, American Express did not credit this payment to my American Express credit card, the payment activities ( as of XX/XX/XXXX ) in the online Payment Center of American Express ( attached here ) show that this payment failed and was returned. 3. Based on the wrong records of American Express online Payment Center showing that the {$8400.00} payment on XX/XX/XXXX failed, American Express marked my credit card account as past due, repeatedly hired different collection agencies to harass me ( which had caused severe emotional damages to me ), and added delinquency record to my credit profile. 4. On XX/XX/XXXX, American Express sent me fraud monthly statements showing that they did credit the {$8400.00} payment on XX/XX/XXXX to my credit card, which conflicted with the payment activities I got from American Express online Payment Center on XX/XX/XXXX. Also, American Express did not affirm whether they sent me the monthly statements in the year XXXX, and did not affirm whether the monthly statements they provided on XX/XX/XXXX were exactly the same they provided to me in the year XXXX ( if they did ). Therefore, I hope the CFPB to penalize American Express for providing fraudulent monthly statements, wrongly missing my payment, harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
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: Company is not fairly or timely addressing my disputed transaction. Specifically, American Express appears to be procedurally biased in favor of the merchant, is not acting on my submitted documentation, and therefore may be in violation of the letter and spirit of the Fair Credit Billing Act. Please see my detailed explanation of the situation and my concerns, attached with this complaint.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied the Amex cash magnet card few months ago.The reason I applied the card because I received an email about the promotion that said {$200.00} bonus if spend {$1000.00} within 3months .I called the customer service Because I had Amex blue cash card with them, he told me its different type of card which I could still get the account bonus if I got approved! so I decided to apply the credit card and got approved.After I spent the {$1000.00}, I did not see any credits or cash back points for {$200.00} value on my cart .I called them at least 5 times .First time, let me Waite for anther 8-12 weeks after the {$1000.00} purchase and told me the bonus was on my account.but after 2billing cycles, still nothing .I called gain.The agent told me he checked everything on my account and i was eligible.he would go ahead to request the {$200.00} bonus which was missing on my account .Let me waited about 3-5 business days .A week later .Still nothing, I called them and also chat over the app.The phone side agent told me Amex only provide one time welcome bonus for life time, thats the reason why I did not receive it .But as I asked the agent before I applied, this is definitely wrong, I also I researched on XXXX .Thats not true! I decided to chat with an agent on app, the agent told me I accepted the Amex declined welcome bonus when I applied the card, which show on my desktop! I did not see anything show up I would not receive he welcome bonus! If I saw it I would not go ahead get the card which I already had credit cards! They tried to declined my welcome offer with multiple reasons which every time was different.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Improper use of credit. There is a unauthorized inquiry that I did not consent. Inquiry needs to be removed immediately.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This letter shall serve as a formal complaint against American Express regarding violations under the XXXX XXXX with their credit card product. The applicant applied for an American Express XXXX XXXX credit card online on XX/XX/XXXX. He called American Express customer service and explained to the representative that he wished to apply using his business LLC EIN, and there was no space on the application to enter his EIN. The American Express representative instructed the applicant to call back to American Express after the application was approved, and he received the card in the mail to add his business EIN. The applicant was approved and did receive the card in the mail. However, when the applicant called American Express to have his business LLC EIN added to the card, as instructed, he was advised by the American Express representative that the card was issued in his name solely as a sole proprietor and unable to add his business LLC EIN. The American Express representative then informed the applicant that he needed to activate the card before adding his business LLC EIN to the card. After the American Express representative activated the card, the representative told the applicant they could not add his business LLC EIN because the card was solely in his name. The applicant explained he did not want to activate the card because it was not the product he applied for and asked the representative why she activated it without his consent. The American Express representative replied, " I am sorry I activated in error because I am new to this position. '' The applicant explained this was not the product he wished to obtain and advised that American Express misled him when the representative provided false information when told he would be able to add his business LLC EIN after the card arrived in the mail. American Express then told the applicant that he would need to cancel the American Express XXXX XXXX credit card issued solely in his name and reapply for another American Express XXXX XXXX credit card using his personal and information and business LLC EIN. The American Express representative then canceled the American Express XXXX XXXX credit card, and the applicant completed a second application at the directive of the American Express representative. The applicant provided his social security number, date of birth, home address, financial figures, and business LLC EIN. The representative gathered all the information and told the applicant to hold, and the call disconnected. The applicant waited for someone from American Express to call him back after the call disconnected, but no one called back. The applicant called back to American Express and explained he was in the middle of submitting a second application due to misinformation provided by American Express. He also explained that the call disconnected without anyone from American Express calling him back. The American Express representative advised the applicant that the second application was denied as it was " a ghost card and considered a duplicate application because American Express approved the first application. '' The applicant expressed that American Express 's actions were unfair, and their abusive practices resulted in him receiving a product without his business LLC EIN, and now had two hard inquires on his credit due to American Express providing misinformation. The applicant requested to have all credit inquires American Express performed removed from the credit bureaus. The American Express representative told him that he would need to dispute the inquiries with the credit bureaus as they could not remove them. The applicant spent several hours on the phone with American Express, pleading and demanding they remove the credit inquires resulting from misleading and deceptive practices from American Express, but to no avail. The applicant called back a few hours later to American Express and requested a supervisor. He gave verbal authorization for his finance to speak to the American Express representative on his behalf because he was in distress and could no longer speak. His finance talked to the representative, explained the issue, and requested to speak to the representative 's supervisor. The representative told his fiance to hold while she located a supervisor, but the American Express representative blindly transferred the call to an automated system. His fiance held for another representative and spoke to American Express representative XXXX XXXX. His fiance described the events and requested a supervisor. The American Express representative reached her supervisor. The customer service supervisor stated he would log the complaint as he has seen this issue happen numerous times when applicants using American Expresss website to apply for an American Express XXXX XXXX card trying to use their business EIN. The customer service supervisor then transferred his finance to the new accounts department to discuss the denial of the second application. His fiance explained to the customer service supervisor that the practices American Express used to lure the applicant into obtaining a credit card were deceptive and misleading to the least sophisticated consumer. She explained she believed their actions were to deter minority small business owners from obtaining business credit. As a minority small business owner herself and customer of American Express since XXXX, she is considering canceling all her accounts with their company due to the unfair treatment the applicant received from them. The customer service supervisor apologized and transferred his fiance to XXXX in the new accounts department. XXXX asked that his fiance hold while she researched the account, came back to the line, and advised her that American Express canceled the initial card and the applicant could apply a third time. His fiance explained that the applicant already applied twice at their direction and doesn't want to do business with this company and wants all credit inquiries removed from his credit due to American Express providing false information to the applicant. XXXX stated she was unable to have inquires removed. His fiance requested to speak to her supervisor. XXXX asked the fiance to hold while she attempted to locate a supervisor. XXXX then returned to the line and advised the fiance that her supervisor was available because he was on another call servicing another customer and would have a supervisor call back in 24 hours. His fiance stated she would hold until the supervisor finished the call he was servicing. XXXX then transferred the call to a supervisor named XXXX XXXX. Mr. XXXX said he saw in the records where Mr. XXXX applied for the first card on XX/XX/XXXX and saw where he had to spoke to a representative on XX/XX/XXXX. Mr. XXXX stated he would investigate and have the call from XX/XX/XXXX and all subsequent calls reviewed and would call back in 24 hours, but could not guarantee any results.
Company Response:
State: NY
Zip: 14211
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: American Express sent me an offer for a XXXX XXXX XXXX XXXX. It was my understanding that it was for my business and not for me personally. I was directed to amex.us/XXXX to fill out an application for my business. Toward the end of the application, after entering all of my company 's information, it asks for personal information about an owner of the business. I entered the info then came to the part where it asked for my social security number. I was wary at first but I saw an icon next to the input field that is common on web forms to give more information about that particular item. When I clicked on it it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity. '' which led me to believe that they were using my SSN ONLY for the purpose of verifying my identity. Nowhere on the application did it say that I authorized them to run a hard inquiry on my credit report. I even did a search on the entire page for the word " inquiry '' and not a single result appeared. After submitting, they, of course, hit my credit file with a hard inquiry. I feel that the practices that they are using are deceptive and misleading. Furthermore, I did not authorize American Express to run a hard inquiry on my credit file. I did not sign any application nor did I check any box which gave them my consent. They are currently using verbiage along the lines of " By submitting this application, I certify that I have read, met, and agreed to all of the terms, conditions, and disclosures as outlined below '' but as numerous court cases have ruled only clickwrap agreements are enforceable and not browsewrap agreements... for a clickwrap agreement to be enforceable, a user must give active affirmative consent by actively clicking a box or button that says " I agree ... '' not just some part of the page that says by submitting the form below, you agree to the terms listed on this page... My rsvp code was XXXX and they ran the inquiry on XX/XX/2020.
Company Response:
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$13000.00}.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A