Date Received: 2021-02-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, I opened up clam ticket XXXX with XXXX for the charge {$230.00} that is FRAUD. I also submitted a claim with American Express for this amount, stating that it is FRAUD. As if by design, both AMEX and XXXX responded that there is no fraud. This, of course, is totally ridiculous. While Im familiar with the APP in question, there was absolutely no purchase made by me nor did I receive any goods or services for this vaporware. I was advised today that, according to the merchant, yes the one who is defrauding me with a ludicrous claim that I purchased something on their app, that the charge is appropriate. It is NOT appropriate. I did NOT purchase anything. I did NOT receive anything, and I do NOT want to be stuck with charges that are clearly fraudulent in nature.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2021 I tried to redeem my membership rewards points to book a flight but that wasn't successful. I chatted with the customer service who informed me that my rewards account was put under review that same day and this process takes 4-6 weeks to be completed. It's been 6 weeks so, I chatted again with 2 different customer service representatives who both confirmed that there has been points acceleration done recently to my account and that I should be able to redeem my points now. I went ahead and tried to redeem my points for a flight reservation but still was unsuccessful and they charged my credit card even though I didn't authorize this ; I chose to pay with points in full.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: XX/XX/2021 I received a direct deposit into my account for {$420.00} and when I try to access my account says it has been locked! I called the company and spoke with two different people one lady transferred me to the account protection office and they told me that my the account was suspended did not give me a valid reason other than that was suspended and that my direct deposit wasn't in there I have a text message telling me they received it and was available but I am not able to access it at all! They told me I had to write a letter to the headquarters in Florida and it could be 30 days, in these times of corona i don't have 30 days to hope they do something! Please help!
Company Response:
State: IN
Zip: 46060
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute these 30,60, and 90 day lates and demand a full removal of the late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as CURRENT to the three major credit reporting agencies, XXXX XXXX, and XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. Prior to the missed payments I attempted to contact American Express regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. ..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XXXX XXXX XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. Here, it is clear that my missed payment comes within the scope of the CARES Act ( and specifically Section 4021 ) because : 1 ) the industry that I work in has been eviscerated by COVID-19, who has experienced significant financial hardship ; 2 ) the Missed Payment was within covered period ; 3 ) the Missed Payment was delinquent when it was reported to the credit reporting agencies ; and 4 ) I paid the account and brought it to current Due to the above, such unauthorized reporting on my credit reports has caused and will continue to cause substantial damages. Doing so constitutes a clear violation of the CARES Act which was designed to assist consumers during these unprecedented economic times, not punish them. In addition, violation of the CARES Act also constitutes a violation of Cal. Bus & Prof. Code 17200, et seq. US Banks actions are clearly unlawful ( the CARES Act ) and unfair ( downturn in the economy ). As you may be aware, Cal. Bus & Prof. Code 17206 permits penalties of up to {$2500.00} per violation ( which in our view, is each day that the derogatory mark appears on my clients account, multiplied by three for the three credit reporting agencies ) plus the recovery of all costs and fees.
Company Response:
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In the previous letter ( XXXX ) I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. AMERICAN EXPRESS ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: American Express reported fraudulently account no. XXXX in XXXX, XXXX, and XXXX XXXX Bureaus as Consumer acct opened on XX/XX/XXXX as charged off bad debt of {$4900.00} & balance updated XXXX XXXX, XXXX. This is not my acct and correct acct no not reported in Credit Report ending in XXXX, amount paid as agreed per mo. has never been reported. American Express refused to remove this fraud acct from my Consumer Credit Report. XXXX, XXXX & XXXX is not accepting my disputes and reduced my FICO from XXXX to XXXX destroyed my credit for seven years. Also AMEX is reporting this same acct # XXXX acct as charged off {$1500.00} as bad debt with balance due {$880.00}. I pay AMEX {$49.00} on the XXXX of each mo. Auto pay from my XXXX XXXX XXXX XXXX under the correct AMEX acct # ending in XXXX that is not reported in Consumer Credit Report. This is not a collection account no. XXXX. On XX/XX/XXXX, I received an Email from XXXX XXXX XXXX, XXXX, Attorney at Law, XXXX XXXX XXXX, XXXX, MA, XXXX. The letter stated that This communication is from a debt collector. This is an attempt to collect a debt & information obtained will be used for that purpose, file no XXXX creditor American Express # XXXX. '' I did not opened an acct with AMEX on XX/XX/XXXX.
Company Response:
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Since joining Serve American Express I have dealt with a lot of fraudulent charges on my debit card. I have file disputes for all the unauthorized charges but the claims were denied. One of the problems is they dont have a chip on their card and they dont require a pin when making a purchase. Someone had to have my card information. I have let other use but I dont know who could have make then purchases. I have multiple banks and I was using this card for a saving outlet. I was using the account for direct deposits. XX/XX/XXXX XXXX XXXX {$25.00} ( not authorized ) XX/XX/XXXX XXXX XXXX XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX These charges are not authorized. XXXX XXXX was not authorized and it seems to be linked to XXXX. I have talked to the merchants and they explained things to me. These charges are all over the place. I have never been to XXXX. There also a hotel booked in XXXX. I have never been there! XX/XX/XXXX XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX These were authorized authorized charges. I purchased a trip but due to Covid I could not travel. They charged me an extra {$190.00} make another reservation. The final price was suppose to be {$990.00}. I asked serve for a refund because the company over make me pay extra charges. XXXX XXXX {$240.00} XXXX XXXX {$650.00} Think I lost my card at food lion on XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I used my card at the ATM to pay someone. I got change for the cashier and I think I left my card at the atm or register. I didnt realize the card was missing until I tried making a purchase someone else. Once I couldnt find it i checked my balance and seen the unauthorized charges. Immediately I froze the card. XX/XX/XXXX XXXX XXXX {$110.00} This charge is with Purchased a bike on XXXX and never received My item.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a prepaid account used for checking with American Express Serve card which uses XXXX XXXX I believe. My son attends XXXX University and I applied for and received a Parent Plus Loan. There was a refund amount of {$9600.00} which was to be sent in the form of a check to myself at my home address. Some how the refund was submitted as a direct deposit into my checking account but the bank for the XXXX who submits the payments on my sons schools behalf put it in his name. My bank accepted the deposit but then completely froze and suspended my account due to the deposit. They are refusing to send the money back to the issuing bank without a letter of indemnity and all of my money that was rightfully mine before this deposit is also frozen and they will not give me access to it or send me the money in the form of a check until the refund money is removed. I did not think this was legal for them not to send the money back, or send me my money that is mine. XXXX University is not getting help from XXXX and XXXX will not contact their bank to have them send the letter of indemnity because they said American Express Serve should just send the money back automatically. I am struggling financially with no access to funds and I need help. American Express Bank closed my account with no letter, phone calls, nothing. We have only had conversations over the phone and they have documented my account. They have the Payment Investigation Team that no one can speak to, just email at XXXX XXXX
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an amex acct 2 cash my stimulus check. And now they r keeping my money hostage. Hissing about notary meanwhile b4 i opened acct on fone no such issue was stipulated it was ONLY ... .AFTER THEY HAVE MY MONEY IT BECOMES a self serving interest issue obviously 2keep my money. Lady in back office told me savings accts r 4saving and they consider it a abberant i want 2transfer my money2orher vetted linked accts in my name. They even make sure 2NOT PURPOSEFULLY GIVE u a debit card 4higher and extreme difficulties2access ur money
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A