Date Received: 2021-02-19
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: An American Express credit card was taken out in my name. 71 % the the total value was used on a {$1000.00} limit credit card. The account was opened XX/XX/XXXX The account was closed XX/XX/XXXX XXXX
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a charged off American Express account that I am trying to take care of. I have been working with American Express directly and one of there collection agenecies out of XXXX called XXXX XXXX, I believe. I have been trying to reach a settlement agreement with them for quite some time since XX/XX/XXXX till today XX/XX/XXXX. I have been offered as low as XXXX to settle the account but they will not put the settlement in writing. I have been told numerous times by American Express representatives that I have to agree to an immediate check by phone and then they will send me the terms of the offer. I have explained to them I would like to know what Im agreeing to before paying them. I believe this is a violation of the truth and lending act, due to the fact the will not put the offer in writing. Further more I was threatened with legal action several times as well, with Im not sure they actually have the intention of doing
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi, I applied for and got a American Express Gold card on XX/XX/XXXX as part of a promotional offer, that offered 60,000 reward points after an initial spending of {$4000.00} within the first 3 month and the annual fee was {$250.00}. I was expecting the annual fee to be charged to my account after one year of service, i.e after XX/XX/XXXX, as there was no indication of the schedule of this annual fee in the card member agreement that was provided to me. However unexpectedly the annual fee was charged to my account on XX/XX/XXXX, with in a few days of me opening the account with American Express. I contacted customer care online via web chat on XX/XX/XXXX and was told that Annual Fee is charged during the first billing cycle and that it is mentioned in the card member agreement. I looked in my card member agreement again and couldn't find any reference to the fee schedule ( i.e date when annual fee will be charged ) and I contacted customer care again on XX/XX/XXXX via web chat and this time, the customer care team looked in to my agreement and agreed that the annual fee schedule ( i.e the date when the would be charged ) is not mentioned in the agreement. I requested the annual fee be refunded, in the absence of clear communication in the card member agreement, as this would be a breach of trust and amount to arbitrary charges on my account. However AMEX refused to refund the fee and this complaint is now raised to resolve the issue. The card member agreement and the last chat is attached herewith. Apart from refunding my Annual Fee, I want AMEX to include in clear wordings the date when this charge will be charged in every card member agreement, including mine.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: Bluebird has stolen over {$1400.00} from my prepaid card. They have done this by freezing my account, they will not answer any of my calls, they are blocking my automatic debits for auto insurance, cable, etc. My utility bills, student loans, etc. are past due because of their theft. They decline me every time I try to male an ATM withdrawal to pay my bills. They have basically robbed me of my income and they apparently answers to no one.
Company Response:
State: IL
Zip: 61111
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
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: On XX/XX/XXXX I paid {$4100.00} for a XXXX year gym membership and coaching program. In the last of XX/XX/XXXX the gym closed suddenly ( it was XXXX days notice that they wouldn't be open on XX/XX/XXXX ). The gym also stopped providing the online programming/coaching that went with this membership. They did not refund the 5 months of the XXXX year paid - this amount was {$1700.00}. That amount was disputed with AMEX, which I used for the purchase. They initially refunded the account. However, they later re-applied the charge stating the vendor had submitted documentation. The documentation submitted was sent to me - it was a month-month contract ( which was not our contract XXXX not signed by me. There was a signature on the document which clearly is not mine. The reason given by AMEX for re-applying the charge was that I " did not follow cancellation procedure ''. This reason does not make sense given the business closed and the owners immediately moved out of state. And, as mentioned, they also stopped providing the online coaching component of the membership. I notified AMEX that the document submitted was not signed by me and did not even match the type of membership I had with the vendor. They did not review the case again. As they started to charge me interest on the re-applied balance I paid the charge again today.
Company Response:
State: WA
Zip: 98901
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Bluebird for some unexpected and still unexplained reason has permanently suspended my account that I've had for 3 years. No explanation and myself and my girlfriend gets our. Unemployment directly deposited in this account and we have over {$5000.00} and they will not allow us access to the account to close it to get our funds. They suspended it, it's like there stealing our money. I just want to close the account after I get all funds out of the account. I have called the number given to us trying to talk to a manager for a week and calling multiple times a day. Have been hung up on and gave the run around. They tell me there's no number and I have to write a letter. And they are trying every way to avoid the problem and are not trying to fix it.
Company Response:
State: KY
Zip: 426XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2019, I called American Express and asked to pay off my balance and close the card. I spoke with XXXX at American Express. She took my bank account information and processed the payment, which would bring me to a XXXX balance. The amount paid was {$2400.00}. She confirmed that my balance was now {$XXXX}. The confirmation number she provided was XXXX. On XX/XX/2019, my bank account showed that the payment had been processed. Months later, I get a phone call from American Express ( or it's credit collection company - I can't remember ... I have been bedbound in severe XXXX XXXX due to a previous and severe XXXX ). They claimed I owed them {$XXXX}. I told them that was impossible, that I had paid off that account and closed it on XX/XX/2019. They argued with me and would not accept my claim. They sent me paper statements showing that I owed them. Come to find out, American Express started charging me a Late Fee and Interest a few weeks AFTER I paid off my account in full. It appears that American Express FAILED to close my account as I had requested. Regardless, they should not have charged me late fees on a XXXX balance. Those late fees and interest added up to {$270.00} when they - FINALLY - closed my account and sent me to collection. This action has ruined my credit. Because of my battle with severe pain and being on XXXX XXXX XXXX, my ability to focus and think clear were compromised. I finally was able to get some of my pain resolved through a medical procedure two weeks ago, so I reached out to XXXX XXXX , XXXX and told them - AGAIN - that I had paid off the account back on XX/XX/2019. I gave them the lady 's name and my confirmation number. I also uploaded a screenshot of my bank account entry showing the final payoff payment being processed on XX/XX/2019. It has been two weeks, now, and they STILL have not closed out the issue and agreed that I do not owe them anything. On top of that - like I said previously - they ruined my credit. My credit score is at an all-time low and I can not get any credit if I even wanted to. ACTION NEEDED 1. They need to close the issue and tell me in writing that they have removed the late fees and interest, that I no longer owe them any money. 2. They need to report their mistake to all credit agencies, letting them know that the balance WAS paid of all the way back to XX/XX/2019. Honestly, they caused me so much emotional trauma - adding to my existing physical pain - because they robocalled me two times a day for about eight months!!! The stress I felt from having action taken against me where I had no power to fight for myself due to my severe condition was horrible. Shame on them. It wouldn't be a bad idea for them to issue a letter of apology AND pay me money for the pain and suffering of their own accord instead of me having to hire an attorney. I've never been treated so poorly and unmercilessly in my life by a credit company.
Company Response:
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been an American Express Card Holder since 1989. Over the past year, I have disputed several fraudulent charges to my card and had to spend numerous hours on the phone with American express to resolve. American Express customer service is highly inefficient and customer service representatives are no trained. Most customer service representatives don't speak English. Their on-line web site has issues which has resulted in me spending hours, and sometimes weeks on the phone with them to resolve. Some of the discussions have become heated because every time I call back to discuss a dispute I need to start from the beginning. American Express has been inconsistent with resolving disputes, and in most cases sides with the merchant. One charge I disputed, all the merchant needed to provide was my name and address which was sufficient for Am Ex to side with the merchant. After months of going back and forth with Amex, they contacted me and told me my account was black listed and my card was cancelled, despite I had not missed payments and my account was current. As a result of Am Ex cancelling my account my credit score dropped 30 points. I am being taken advantage of a large corporation who has ruined my credit score and black listed me for no good reason. They claim they black listed me because of negative conversations I have had with their offshore customer service representatives that can not speak English. I am requesting my account to be reinstated until the balance is paid off. I don't think it's fair for me to have a negative impact to my credit score just because a major corporation black lists me when I had the account for over 40 years and in good standing. I don't care to use the card, but doing this to me during a global pandemic is cruel and unfair.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied to the below offer from American express on XX/XX/2020 https : //www.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX it is for a welcome bonus for {$250.00} if you spend a certain threshold. I was approved when i applied and then got to spend all the minimum amount that was requested in the time that was given by the card provider. I checked upon the bonus status with American express on a regular basis and was told that I was eligible to the offer and should expect it upon the closing of my statement. here is the catch, the disclosures are very wrong. once i completed my portion of the offer, i was told i was not eligible simply because i had been offered the same reward in the past years. I was never communicated this information but what is the most troubling is that for the very least it is an abusive practice and it is misguiding to the customer. They did not reject my application when i applied to the offer and let me spend all the amount they wanted to get the bonus and then announced that i was not eligible like many FI in this situation, they should have simply rejected my application if I was not eligible, instead of approving and then not accepting to pay the rewards that were promised.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express withdrew {$2900.00} from my XXXX XXXX XXXX account erroneously, they said they did so in error and confused my account with a different account holder. Did not tell me about this until I saw a credit appear just now in my AmEx account ( they illegally withdrew it from the bank and put it on the card ) and I started asking questions.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A