Date Received: 2021-03-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I notified American Express in advance that my payment was going to be late that was due on XX/XX/2021 because the XXXX XXXX made a processing error that was no caught in time. I received a phone call 5 business days past my due date on XX/XX/2021 from a Debt Collector harassing and threatening me to cancel the check and wire funds immediately. The Debt Collector requested I make an additional payment instead of the original amount. I did not cancel the check. American Express received the check same day. I also had to ACH additional funds because American Express kept freezing and putting my account on hold. I was not able to use my card.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, American Express. I have contacted the credit bureaus ( XXXX, XXXX XXXX XXXX ) on numerous occasions along with contacting the creditor, American Express. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. American Express has yet to provide a response to my initial complaint. However, XXXX XXXX XXXX XXXX continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to XXXX XXXX XXXX XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( 1 ) Correspondence to the creditor ( American Express ).
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: on XX/XX/XXXX at XXXX XXXX EST I returned a new unopened item at the XXXX store in XXXX XXXX Florida the return was uneventful with original receipt merchant issued credit and gave me a receipt verifying the same bluebird card bt American express is still holding my refund claiming they would credit the account yesterday XX/XX/XXXX XXXX calendar days they have not given me my money i called them 2 times they blame XXXX XXXX is not to blame and released the finds for the credit on the day of the original return XX/XX/XXXX bluebird is playing games with the law here
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company violated the law Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar credit device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is used is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under Title 15 Chapter 41
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX, I contacted AmEx because my credit card is a travel credit card with a {$550.00} annual fee, which was hefty in a pandemic year during which I did not travel. The CSR offered me a XXXX retention bonus. The next month, I had not seen it, so contacted AmEx again, on XX/XX/2020 via chat. That CSR said that I had to affirm that I would not cancel the card and I did. The CSR said the miles would be applied within 8-12 weeks. Its been 13 weeks, so I contacted AmEx again. After an interminably long chat, during which I received somewhat nonsensical information, the CSR said I have already received the miles. I have not. I received other miles for a separate promotion, for spending a certain amount of money on my card. Im owed the promised XXXX Skymiles.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Signed up for 0 % APR balance transfer. I have all documents from promotions and official agreements. American Express customer service claims that other interest fees applied and charged me every month for interest that was not in the agreement. When attempting to resolve for the third month in a row, an official case was opened, and when they concluded they were right they put the balance back and then added 4 cents to the balance due to poor accounting. I also have all monthly statements and they do not keep accurate balances from month to month. With last month 's balance, interest charged, amount paid, and any other fees on the statement, they will create a new balance that does not match what should be calculated. When finally closing the account, the service representative said everything was paid in full and I would not be charged anything anymore. The next month they sent me one last bill for interest that I was promised would not happen. XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$1.00} + {$0.00} XX/XX/XXXX {$1.00} + {$28.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$52.00} Totaling {$100.00} in additional payments due to American Express 's poor accounting and billing. I can also provide dates and times for calls to customer service to verify I tried to solve the issue and was lied to by their representatives that I would not be charged.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My employment direct deposit was loaded to my American Express Bluebird card on Wednesday XX/XX/21 and my fiancee 's 3rd Econonic Impact payment was set to be deposited on Wednesday XX/XX/21 but they decided to Permanently Suspend pending an investigation of my account on Friday XX/XX/21. Now I have the remainder of my employment direct deposit ( roughly {$100.00} ) and my fiancee 's stimulus payment ( {$1400.00} ) just sitting there frozen. I have called multiple times and they just tell me that they have no response and post a new ticket for an investigation. So I have around {$1500.00} just sitting in this prepaid AmEx Bluebird account that they will not unfreeze or disable and send me my money that they are just holding hostage from me. So I'm reaching out to you guys before finding an attorney and taking legal action against this company. Please let me know what you and or I could possibly do about this situation as my family is serious struggling in this impacted economy. Thank you XXXX XXXX
Company Response:
State: OH
Zip: 449XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This pattern of behavior to the detriment of credit card consumers needs to stop! I am discovering a pattern with certain credit card companies, including American Express ( and XXXX XXXX XXXX - see my XX/XX/2021 CFPB complaint ), whereby the company is declining to generate a monthly statement when the only activity on the credit card account is full payoff of the balance owed. I have asked American Express twice in the last 30 days to provide my XX/XX/2021 statement, which would reflect a payment made of the full balance after my XX/XX/2021 statement was generated. ( What I can retrieve online in the section purporting to contain my XX/XX/2021 statement is a letter from American Express with " Important Notices '' about ( generic ) changes to my account, something that would be produced in the ordinary course of American Express 's business anyway and is by no means a monthly account statement, nor does it reflect an acknowledgement of my XX/XX/2021 payment. My XX/XX/2021 statement issued without any recording of my XX/XX/2021 payment as well. I long ago elected electronic ( paperless ) statements so this is not a cost to the company. I need to have a valid, contemporaneous record of my credit card transactions. I should receive a statement regardless of whether I use the credit card in a given month to show my full payment and when it was posted. I shouldn't have to request it. It should be available when I log in to American Express to access my account. I am told by an American Express respresentative today that this is a " policy '' of American Express. It is illogical. I should be able to expect a record of my transactions with American Express -- purchases AND payments. This issue unreasonably interferes with smooth booking practices ( using in XXXX ). I shouldn't have to waste my time asking for the obvious, and then be denied the documentation that is a reasonable consumer request. Discrepancies like not being able to easily see that I have all credit card statements ( which I save as .pdf files for future reference ) is a time-wasting, frustrating an avoidable problem. For the same reason, I don't agree with American Express 's other policy of not producing a monthly statement if there is no activity, including payment activity, when the balance is {$0.00} on the statement issuance date. In essence, I can go for months without a bill generating from American Express. I want American Express to do what my bank does and issue monthly statements every month regardless of activity in the account. In a world of optional paperless documents like this -- which I have elected to accept to avoid snail mail, costs of paper, postage, etc., all which benefits American Express 's bottom line -- as with all my other financial accounts, I don't understand why I, and I shouldn't have to, ask for the obvious. I believe my needs as a consumer far outweigh and reason American Express has for choosing to make my account reconciliation and status more complicated. I am sure I am not the only consumer who finds this business practice objectionable. I believe it violates the Fair Debt Collections Practices Act, and needs to be resolved immediately, and not just be American Express, but all companies that have instituted this policy. At the very least, a consumer who timely requests for a monthly statement that has not generated should be entitled to expect to receive it. But one shouldn't have to ask.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
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: In XX/XX/XXXX I closed my AMEX Platinum card and at the time of closing I did not have a balance or any pending charges. Much later I noticed a 30 and 60 day delinquency ( XXXX and XX/XX/XXXX respectively ) associated with the account on my credit reports. I had not been notified of any balance and did not have access to the card 's online dashboard after closing the card. Knowledge of charges occurring months after account closing are not the customer 's responsibility ; it is the responsibility of the credit card company to either prevent these charges from occurring in the first place or to make the customer aware of their existence. In Q4 XXXX I called AMEX to get an explanation of the charges which they were not able to provide. I explained that I was not made aware of these charges or their late status and would be happy to pay whatever I owed but would like the derogatory credit marks to be removed as the charges were clearly added months after the account was closed. I was told by the representative that the marks would be removed and after several months no action had been taken. In XX/XX/XXXX I filed disputes with each of the credit reporting bureaus but the marks were not removed, only an on time payment status was added to my credit reports for XX/XX/XXXX.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/2021 i received my federal refund in the amount of {$10000.00} I withdrew money in the amount of {$10000.00} between the XXXX and XXXX in increments of XXXX dollars. cte On XX/XX/XXXX I received {$750.00} and {$75.00} on my card for payroll from team car care aka my job. I used my card in one store XXXX XXXX XX/XX/XXXX in the amount of {$330.00} for a phone and attempted to use it again but it was declined. Once again I tried to use my card at an atm the XXXX and today the XXXX to no avail. I called customer service Saturday XX/XX/2021 to see as to why my card was declined instore and at the atm. Customer service was rude, not answering my questions, acting very suspicious and giving me many different answers as to why and what was going on. I was also hung up on several times by several customer service reps and managers while trying to get this resolved. I am expected another {$1400.00} from stimulus to be deposited on my card sometime this week of XX/XX/2021 through XX/XX/2021. I as well expect another deposit from team car care on XX/XX/2021 in close to the same amount as above. I am also expected another deposit from team car care in the same amount on XX/XX/2021 in the same billing cycle that American express is claiming I can not use my funds on my card as I exceeded my limit on my card. They also XXXX that I can sent the money via ria to someone and I have tried this to no avail. I can not get all the funds off to close the card now and I fear they may close my account with funds on my card as I have seen them to this to others recently in the past 60 days. The customer service reps in all gave me in total the excuse of I have a {$750.00} a day atm limit, I have a {$2000.00} a month limit to withdraw money off the card by another customer service rep. I was hung up now in just the past 2 days by roughly 4 customer service reps and 2 supervisors all of which refused to be of any assistance and kept telling me that I have a temporary card. They refused to acknowledge my card is not temporary and that it is a card from XXXX XXXX that I received years ago and it had my name on it. I repeated that I was able to in the past years and with my recent withdrawals to pull off XXXX a day and especially from XXXX to XXXX as their card agreement states. They claimed their website did not state this and that I was lying. They stated to me there is nothing they can do in regards to my account so I can pull my money off and close my account to prevent further criminal activity from their company. I am informing everyone I know, including making a complaint against this company to prevent anyone else going through this mess as I have been and countless thousands of others on a group I am on that informed me to report the company for what their doing.
Company Response:
State: WI
Zip: 54880
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A