Date Received: 2021-06-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were three cards fraudulently opened in my name by my husband at the time with American Express. We are divorced now. I called in XXXX of XXXX and they refused to speak with me since my name wasnt on the cards, even though my social was used. Ive attempted disputing several times with the credit bureaus of which have been denied. I called on XX/XX/XXXX and started a fraud claim, of which they stated his name was on the cards using my social. I called back on XX/XX/XXXX after receiving 3 letters for the accounts stating the claims were denied since they stated I opened the accounts. They refused to send me any documentation each time showing his name on cards opened using my social security number, nor will they remove the accounts from my social or credit. I have explained several times that I did not open these accounts. Ive only had one card with American Express that I have paid off and closed several years ago.
Company Response:
State: MS
Zip: 39208
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for XXXX XXXX Amex Card online on XX/XX/2021 due to their advertisement for the promotional offer for XXXX bonus plus other stuff. I was approved instantly and got the card on XXXX. I started spending and by XX/XX/XXXX I had spent more than XXXX which is the line to get the bonus. I did not get the bonus so I reached out to Amex 's customer service and was told I was not qualified for the bonus because I used to own other XXXX cards. I asked to speak with the supervisor and was told the same, I requested them to view my credit reports and told them that I do not have any other XXXX cards. I was told " they don't believe me ''. They asked me whether I would cancel my card and they would refund my card fee. I asked them to proceed to cancel my card. Now my credit report was adversely impacted and I am not qualified for the bonus to get other XXXX cards due to the fact that I have applied to the XXXX XXXX Amex Card and was approved. This is fraud and I would request CFPB to investigate and help me get a feedback from Amex.
Company Response:
State: WY
Zip: 820XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an American Express Gold credit card on XX/XX/XXXX. I received a reply dated XX/XX/XXXX, indicating that I could not be approved because I " have too many new bank card accounts ''. The denial letter indicates that I can call American Express to ask them to override this decision. I contacted American Express on XX/XX/XXXX and they told me that I needed to contact them again in 30 days. I contacted them again on XX/XX/XXXX. On XX/XX/XXXX, I contacted American Express and was told that they can not override the decision. Instead I should contact the XXXX Credit Agency, who makes the decision. On XX/XX/XXXX, I contacted the XXXX Credit Agency and was told that they can not override the decision. Instead, I should contact American Express who makes the decision. Based on my XXXX Credit report, I have only 5 bank cards open. My XXXX credit score is XXXX ( considered excellent ). My complaint is about this process of approving or denying a credit card application, and the ability ( none ) to talk to someone about the decision. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB XX/XX/XXXX
Company Response:
State: NE
Zip: 68516
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have made a just a legal attempt to get American Express to remove a credit report. I sent them Certified return receipt correspondence and after 30 days they failed to provide me with any information. After the failure and giving the due time I sent another letter giving them 10 days to show proof of the debts or delete the file. My letters were carefully written under guidance from a credit counselor and the only response is that they can not comply because they have a wrong address associated with my account.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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: I decided to purchase this course ( XXXX Winners ) to become a seller on XXXX. On the XXXX call, they ( The merchant ) showed me the results of previous students they claimed to have trained in their course. These students were supposedly successful. I decided that I would pay for the training and was comfortable doing that because of the results that they showed. More importantly, I had seven ( 7 ) days to cancel if I found the course unsatisfactory and as agreed in their contract. The {$5000.00} was charged to my credit card on XX/XX/2021. I asked the seller in the XXXX call if {$500.00} would be enough to start this business, and they said yes. That was misleading. There are so many product cost, inspection cost, subscription cost, operating cost, and other expenses required to do this business which were not disclosed during their marketing call. While going through their course, I realized that their sales call was extensively misleading. They did not disclose everything that was required to pursue selling on XXXX, which includes capital and the operations that would be required. On XX/XX/2021, I reached out to the seller to request a refund five days into the course and was denied even though I was within the agreed-upon time to get a refund seeing that I was not satisfied with what I paid for. The seller 's response to my email requesting a refund ; " Thank you for reading the agreement and filling out the form ; it is attached to this email. Unfortunately, as you have not taken any action as you have also provided in the form, this does not qualify for a refund. But as you said, you are not ready at this time ; please come back when you are, and we can continue : ). '' So basically, the seller told me I did not qualify for a refund because I did not take the action they wanted me to take but subsequently told American Express that I did not qualify for a refund because I had watched 86 % of their course. This completely contradicts everything. On XX/XX/2021, the seller removed my account from the XXXX group that was a supplement to the training that I paid for. My account 's access to the training was also terminated. I do not find the service the seller provided valuable to me, neither do I want to be affiliated with them anymore ; my only request is to receive a refund. As of today, XX/XX/2021, I have access to neither their service nor my {$5000.00}. I reach out to American Express, who did an investigation and waited a month for the seller 's rebuttal against my refund For which there could not be any because their service was absolutely misleading. The seller failed to respond to American Express 's response, and American Express credited my account on XX/XX/2021 which I rightfully deserved. I later checked and realized that I was charged again on XX/XX/2021, for the amount credited. I am very disappointed with the service that American Express provided to me and appalled by everything done to make this right on my behalf the customer. This resolution was realized after I got a letter from American Express in the mail a week later stating the evidence used to decide the case evidence that was false. American Express did not give me a chance to refute the merchant 's claim that I had watched 86 % of their course. From their evidence, if you look at the percentage of the course, you can see ( even with their bad printing ) that the number does not say 86 %. American Express did not give me a chance to refute the merchant 's claim that I had watched 86 % of their course. This is also different from the reason the merchant gave in the email why they did not give me a refund when I reached out to them on day five before contacting American Express to do the chargeback on my behalf. I do not agree with how this was handled and, as a result, would like for this to be disputed and credited to me. I feel like I have been robbed and have no interest in using the service that the seller has which is of no value to me at all. My experience with this has been atrocious and have made me severely anxious, disheartened, and devastated I called American Express again on XX/XX/2021, about another dispute I put in on XX/XX/2021, that was closed on XX/XX/2021. According to customer service, there is no way to speak directly to someone from the dispute department to get a thorough explanation of my case or additional steps that I can take to resolve my issue, and I am only allowed two disputes and can no longer dispute this any further. They told me that there is nothing else that they can do, and my only option is to reach out to the merchant. I do not think that enough was done on my behalf by American Express. I reached out to the merchant, the owner, and XXXX of XXXX winners, XXXX XXXX, with refund in my email, and the merchant replied, you already did a chargeback to get your {$5000.00}. I have no idea what youre talking about. I would greatly appreciate your help in this matter so that I am credited the {$5000.00} back to my credit card and finally be able to put all of this behind me. Thank you.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. I'm trying to get control of my credit so please investigate this.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was supposed to receive XXXX American Express Membership Reward points upon making {$5000.00} in purchases on my new AMEX card within the first 6 months of getting the card. I received the card in late XX/XX/XXXX, and I met my spending requirement on XX/XX/XXXX, yet I have not received the XXXX points as I was supposed to. I reached out numerous times to AMEX customer service and was told I needed to wait 8-12 weeks starting from the date of XX/XX/XXXX in order for me to receive these points. It is now 13+ weeks since XX/XX/XXXX and I still have not received my points.
Company Response:
State: OH
Zip: 45237
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A