Date Received: 2021-03-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've tried to settle the dispute amicably and have the itesm with American Express deleted from my credit reports. I spoke with American Express representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the American Express official. The American Express acounts are being reported negatively and the data is from 7 yeara go and is improper. I agreed to settle, in good faith one acocunt, but the collector, XXXX XXXX refuses to delete the item s its collector denote and clesr the item.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/2021 the bank received a wire deposit of {$2400.00}. On or about XX/XX/XXXX, they also received a wire transfer of $ XXXX from my account at XXXX XXXX . After calling the bank to find out why the account was blocked from online access. I called and spoke with fraud and security in the name of a representative named " XXXX ''. She told me because of a business decision, the account was marked for closure. I for further details, and was told that the deposits were sent in the name of someone else, and it was a business decision to close my account. This can not be true, as the wire confirmation shows my name. I requested that the deposits be sent back to their original accounts of origin. The problem with this is that XXXX XXXX charges {$5500.00} to return the funds to my account there. XXXX XXXX Bank should return the funds as a course of closing the account, and issue to me final savings statement. But, they have closed the account, and denied access to me to look at the final statement.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have opened multiple times of multiple dispute cases for XXXX unauthorized charges on my American Express Serve Prepaid Debit card since XX/XX/2021. They declined the dispute cases every time without any explanation. What worse is they permanently suspended my account after they declined my dispute on XX/XX/2021 because I keeping re-open those dispute cases after they declined me. I can not open any dispute cases any more and get my money back because of permanently suspended my account.
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, AMERICAN EXPRESS that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: When I first got my American Express XXXX XXXX, I had no credit limit. Without informing me they imposed a credit limit of approximately {$2900.00} in XX/XX/2020, when I made {$37000.00} per year. At the time, I tried to get them to raise the credit limit on my card but they said I needed to provide them documents showing I had a change in income or assets. When I did that, they still denied me even though my annual salary grew to {$67000.00}. I then received a subsequent raises to {$78000.00} per year and then to {$80000.00} year. When I called back recently to try and get it raised again, they told me my type of card was not eligible for a credit limit increase, even though they allowed me to submit documents to try and increase it before with the same card. I was told that I qualified for a XXXX XXXX and that card would be eligible for a credit limit increase, so I got the XXXX XXXX ( which has a {$250.00} annual fee ). Recently, I got the XXXX XXXX and tried to increase my spending limit today and was told that with my current card they only increase spending limits when they review accounts periodically, a direct contradiction of what I was told only a week or two ago. I feel like I'm being defrauded and want help. I have looked through my card holder agreement and can't find any mention of this policy.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XX/XX/XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : AMEX XX/XX/XXXXFLXX/XX/XXXXACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XX/XX/XXXX . This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XX/XX/XXXX and XXXX XXXX into its monthly reporting on payments and overall account status. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to you about my credit card Account Ending in XXXX. We had a great relationship history that darkens a missed payment in 2014. I understand that you are not obligated to help me in this matter. But I would be very grateful to your bank if you can remove the missed payment in XX/XX/2014. I know that according to the rules of credit bureaus, missed payments should be kept in the report for 7 years. It will not be difficult for you to give me the opportunity to improve my credit score. It will give me the opportunity to get the house that I have dreamed of for so long.
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: XX/XX/XXXX, I opened an account with American Express Serve in order to keep a prepaid card loaded with funds for a close family friend. XX/XX/XXXX, after over 2 years using the account in this way, American Express Serve XXXX & suspended my account. My attempt to resolve this with them was declined on the same day. Since then, for the past 5 years, American Express has emailed me almost monthly an email with the subject " Your scheduled transfer was unsuccessful ''. The email 's contents indicate that they still have my bank account information and are routinely attempting to draft funds from my bank account into this account. I have contacted American Express multiple times, most recently XX/XX/XXXX, regarding this issue. Their response is always the same. They say it is impossible for them to stop emailing me, impossible for me to log in to the account to disable this automatic draft attempt, impossible for them to delete my bank account information they continue to hold and attempt to withdraw funds from. Almost every month for 5 years I receive a notice that American Express is trying ( and so far failing ) to draft funds from my bank account into a cancelled account, and every time I talk to them I am told that I will have to live with this forever. After 5 years of reminders that American Express is holding my bank account information and trying to take money from it each month, I am filing this complaint.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
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: I sent a dispute to XXXX, XXXX, XXXX, which they stated was verified. I sent validation letter to original creditor American express. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. All correspondence have been attached.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In early XXXX I called American Express ( AMEX ) to discuss card options. The representative told me I was " preapproved for a Gold and Platinum card, we ( AMEX ) can have it to you in two days. '' I stressed the importance of such an upgrade since I grew up relatively poor and that card would have emotional significance to me. The representative then spent the next two hours details the benefits of both cards, stressing, really stressing, even pressing my to accept on the phone, that I was PREAPPROVED. Not considered, but that the card was " already mine, '' I " just had to say yes. '' I considered it and applied later that night. I was denied. With a hard credit check on my report. I have called AMEX 6 times since this incident because : 1. I was proud of the achievement in fixing my credit and so told many people I was getting a Gold card. Now I look like a XXXX 2. AMEX said they would review the call. They determined that they made no mistake, but would not send me a transcript of the call now let me review it. I have had to threaten legal action and they still say they " made no error. '' I can assure you that they did, as I spent two hours on the phone with someone who lied to me so they could make their quotas. 3. Two separate managers told me that what happened was unacceptable, and that I would be emailed and the problem would be solved. AMEX has completely avoided me, hoping I will go away. I will not. 4.I told the representative on XX/XX/XXXX I would pursuing this further. They still would not send me the call Look, AMEX really played me. Multiple people have lied to me. My solution was ok, I'll pay for the Gold card ( I didn't even want anything free ) since that was what was promised. Now I have spent 20+ hours on this issue. I am beyond angry and AMEX negatively affected my credit score, made me look like an XXXX, and wasted my time. This issue has taken more than a month. AMEX has made 0 contact with me. They have admitted guilt but done nothing for me.
Company Response:
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A