Date Received: 2021-02-24
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: 2 months ago I filed a fraud complaint with American Express. Someone charged over {$3000.00} on my card ordering something from XXXX. To this day, neither American Express nor XXXX will disclose any information about this fraudulent charge. Basically claiming that they need to protect the criminals. My identity has been stolen and it only makes sense to get information to me so that the detective involved in this case can see if this is associated. American Express REFUSES to help me Thus they are part of the problem in letting criminals go free and leave me vaunerable to more fraud. This is so unfair and it almost seems like American Express is trying to cover something up. I asked for a phone number where the detective on the case could call to get involved, and they refused to provide any information. Clearly American Express has issues with XXXX. It's easier to just refund for fraudulent charges rather than actually try to find answers as to who is committing the crime. I starting using American Express assuming they might give me better service than Visa or Mastercard. Clearly I was wrong.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2021, I found an unauthorized charged from XXXX XXXX totaling {$19.00} from my deactivated American Express Serve XXXX XXXX XXXX. On XX/XX/2021 I opened multiple dispute cases for 37 charges totaling {$4300.00} as I informed American Express Serve, I did not authorize them which includes the unauthorized charged from XXXX XXXX on XX/XX/2021 totaling {$19.00}. I also asked American Express Serve to deactivated my card ending on that same day. The reason I asked them to deactivate my old card is to stop the on-going unauthorized charges. However, not only American Express Serve have declined my dispute 3 times already for the 37 charges totaling {$4300.00} without any explanations, but also they still allow the same merchant I have disputed before did another unauthorized charge on my deactivated card. When I contacted American Express Serve on XX/XX/2021 regarding how to stop XXXX XXXX charge from me on my deactivated card, one of their agents told me they have no way to stop that except closing the account or I have to contact XXXX XXXX by myself. How is that possible? I requested to talk to the supervisor, their agent told me the supervisor would tell me the same thing. That is ridiculous. I have confirmed the suspect who made all the transactions without my authority and also provided the evidence showing the suspect made a transaction on XXXX using my card without my authorization to American Express Serve. They still declined my dispute.
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My adult daughter was living with us for a few months, she put in a change of address with USPS when she moved. Somehow the USPS tagged my AMEX credit card bill with the yellow sticker for change of address and sent my bill to my daughter. Luckily, my daughter is responsible so she got the bill to me ASAP which avoided a late payment. Then the next correspondence that I received from AMEX had my daughter 's address on it, no sticker, as if AMEX had changed my address. I log into my AMEX online account and sure enough my address had been updated. I have been chatting with AMEX today but the customer service reps seem very nonchalant about the issue. One rep even denied that AMEX had changed my address. This is a very PII/security serious that must be taken seriously. What if I didn't have a relationship with my daughter? What if bills just piled up at my daughter 's place and I had no idea. What if a person with ill intention went to USPS and changed my address. These companies should be verifying with people that these address changes are authorized before any updates.
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express took it upon themselves to automatically opt me IN to paperless billing without my consent. Five minutes after they sent me an email notifying me of this change and after I responded by having to log into my account to again opt OUT I received another email from them telling me my current month paperless statement was now ready. I did not and do NOT request paperless statements and do not appreciate American Express forcing this on me
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I contacted American Express Serve at XXXX to report Fraud on my card. I spoke with a representative who said that the department that handles fraud is now closed and I must call back at XXXX. At that time there were 2 fraud charges. When I called at XXXX there were now 2 more charges. I reported the fraud and was able to save my last {$500.00} that was on my card. And requested a new card. I received an email stating without any explanation that my fraud dispute was denied. I am writing to appeal this denial in the amount of {$1400.00}. We are in a global pandemic and I was recently laid off due to covid-19, and the money that was stolen was my last paycheck. I am in desperate need of my money. I had attached the Fraud form several times, appealed 3 times and was denied each time. I am certain that there are cameras on the dates of the transactions. I have not been given a reason except I do not have enough information to prove that it is fraud. My account has been compromised yet I am responsible to prove this. How? Check the time, date and location of the transactions.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express XXXX XXXX bills me each year in the XXXX week of XXXX a hefty {$550.00} as the year 's credit card fees just to use the card and provides some benefits like travel allowance set off etc to offset the card charges. Last year, I wanted to cancel the card as I found it too expensive but realized a little late in XX/XX/XXXX that Amex already billed me in XX/XX/XXXX for those charges and called them requesting cancellation of the card due to hardship circumstances of the pandemic and my income had come down steeply and my inability to meet such expenses. I requested them to do a pro-rata for the time the card was outstanding and refund the balance fees. They gave me a long explanation of how they can not and offered me a concession for the year of about {$300.00} credit against fees 'if I spend more than {$4000.00} within the next 4 months or so on this card '. I told them over the phone call that I have no intention of continuing with the card for the next term and I will comply with the spending requirement on the card just so that I will be eligible for the concession for XXXX. I did spend the {$4000.00} within the time limit imposed by them in good faith. Now, I saw that the card company once again charged me {$550.00} credit card fees on XX/XX/XXXX, and called them immediately requesting them to cancel the card and refund the amount. They now tell me that I have to keep the card till XXXX atleast because they gave me a concession in the previous year on the card fees. That means, I will have to pay the {$550.00} now and forego the rest of the year when they cancel my card after XXXX - by which time it will be too late to refund me my credit card fees. They tell me that the fine print that was sent to me in XX/XX/XXXX when we had the discussion on cancellation of the card contains the stipulation to retain the card at least another 12 months from XXXX and not XX/XX/XXXX. This is quite absurd. That means there is no way I can avoid the full credit card fees in the month of XXXX because I haven't completed the revised 12 months by then. This is a type of unfair practice of tying up a customer to the credit card and charging the fees despite a request to cancel the card services. I tried explaining to them at length that right from last year I had no interest in retaining their credit card services but was forced to keep the card on till the term ended and that I had no idea that I will be locked in for another 12 months beyond the card fee billing cycle of XX/XX/XXXX. This was I will end up again spending the {$550.00}. When I called the Credit company they were quite rude. They told me to read the fine print when I was given the concession last year based on my spending {$4000.00} within their stipulated time. They told me that if I cancel the card now, they will refund me the {$550.00} but will retain the concession they gave the previous year of {$300.00} because I did not hold the card till XXXX. I told them if I hold the card till XXXX - I would have paid {$550.00} for the credit card fees just for 2 months and thats not fair. Kindly correct this situation with Amex as request them to refund my credit card fees for XXXX wihtout penalising me for not retaining the card till end XXXX by reversing the {$300.00} concession they gave in XXXX.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
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: Amex account number XXXX this account was never late. however it is reporting on XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 120 days late. it is also commenting all on 3 credit reports incorrect comments. we have asked they verify this information and have not done so. after multiple attempts we are using CFPB before filing suit.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. AMERICAN EXPRESS Inquiry : XXXX. XXXX, XXXX XXXX. AMERICAN EXPRESS Inquiry : XXXX. XXXX, XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A