Date Received: 2021-03-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have asked American Express to stop calling me numerous times and in written form. A legal group called XXXX and XXXX is suing me on their behalf. I have asked American Express 's legal representation to stop the calls but they continue to call me almost every day and claim that it must be about something else. They do not leave a message or provide any contact details. They just call and call and call. I am getting numerous settlement offers from American Express via mail and email but their lawyers claim they don't know about them. This is a huge and frustrating mess and I just wish they would stop calling me and harassing me every day.
Company Response:
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been looking at premium rewards flights on XXXX since XX/XX/XXXX. This is also the first day when flights opened up as transiting restrictions in XXXX are lifted. On XX/XX/XXXX midnight, immediately upon checking availability I initiated a transfer of MR points from my American Express account to XXXX miles. The process is documented to take 2-4 days. On XX/XX/XXXX at midnight, after 4 days have passed, the transfer turned out unsuccessful and the points are credited back to my American Express account. In that morning, I called American Express MR department, and speculated that XXXX XXXX rejection of transfer was due to a mismatch in the account holder 's name. Later, I called XXXX and obtained a more specific reason of failure : the last name they received from American Express was incomplete. These kinds of things tend to happen to me more frequently than it should when both my last name and first name have a space. In the transfer request that American Express sent to XXXX, my last name did not have the parts before the space. In the two calls that morning, the first agent was unable to offer any reasonable help : I was suggested that I could change my name on file, which isn't feasible as that is my legal name written on my passport. I was also suggested I could use the points in a different way that wouldn't have to go through XXXX, which again isn't feasible since the redemption rate is much poorer through other means. After turning down those suggestions, I was about to be sent off, but what XXXX me off the most was, instead of the typical " is there anything I can do for you? '' farewell, she specifically amended it to something like " is there anything within my power that I can do for you? " ; how in the heck would I know? To be honest, there had to be things she could do, but she just didn't seem to want to. The second agent that I reached after I gathered more information from XXXX was much more caring and deserved a shoutout. She initiated the transfer for me again and offered to follow up the next day and opened a case with XXXX so that my points can be transferred manually XXXX case the automated process fails again. She did call back the next day on XX/XX/XXXX and promised that she would update me with any news by Tuesday. Now on XX/XX/XXXX, it has passed midnight and 4 days have passed since the second initiation of the transfer. The miles aren't showing up on XXXX, the points haven't been refunded back to my American Express account, there was no follow up from the agent, and the worst of all, the award space has disappeared on XXXX XXXX website. That's why I decided to submit this complaint because, even if the miles were to appear in the morning eventually, I wouldn't be able to use them to redeem my flights at least for the time being. The agents on the phone may be powerless, but how is it any less so for me? First, the transfers take a long time, and they take even longer to fail : the first transfer took a full 4 days. Any attempt to fix a rejection means well another 4 days of time spent, and the result could well be a failure again. This is especially frustrating since the rewards space can become unavailable anytime ; a 2-day wait is already on the verge of not-okay, not to mention a 4-day one, or an 8-day one, or an even longer wait ( since the miles are still not transferred ). Second, being suggested another way to use the points instead of my intended way is outrageous. These benefits are being marketed to get people to use the product. It is utterly unacceptable to cease to offer a publicly advertised service because of, effectively, a conveniently broken system. If even this were acceptable, would it be also acceptable to be " unable '' to offer any way to redeem points, just because the whole system is broken?
Company Response:
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 someone applied for 3 different credit cards. XXXX XXXX, American Express and a 3rd that I can not remember. This was not me and I need them removed from my credit report.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Every thing has happened and could forward you the emails
Company Response:
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: It has been 3-4 months since my American Express membership reward account being put on review. Whenever I tried to use my reward account, I would received this notice below : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I tried to contact customer services multiple time on : 1 ) why it was reviewed? 2 ) when the review is expected to be completed? 3 ) when can I use my Amex reward point balances again? However, customer service can not provide any update nor give me any info on what I can do to help with the review process. Ive been a long time American Express customer, and normally pay all my balances on time and maintain a good standing with the company, so I am not sure why I got put on review for so long. Further, there are no transparency in this review process, so I would like to get help to get a response from the Company.
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called the company XXXX XXXX XXXX that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for American Express and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fradulent, unauthorized charges were made to my American Express credit card. I reported these charges to American Express in less than two days. They issued me a new credit card but have neglected to reverse the fraudulent charges. American Express is in violation of the Federal Credit Card Fraud Law because this financial institution did not limit my liability to fraudulent activity as required by the law.
Company Response:
State: CO
Zip: 80127
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AMERICAN EXPRESS Inquiry : XX/XX/2019 add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to AMEX agency. I received an inactive card and do not want to reissue it. I am kindly requesting AMEX agency to remove this account from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A