Date Received: 2021-02-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been an American Express card member since XXXX - My card was cancelled recently and their explanation was review of credit report. They did not take my payment history nor usage into consideration - just my score. With the pandemic, shopping has been limited, but that did not matter. i have used my card 3 times so far, to shop online, but that did not weigh with them either. i am horrified that they cancelled my good standing account for with this as reason. since i have never made late payments nor had any problem with my account. Credit scores dip and soar ... they fluctuate, but Amex does not care. I am truly horrified at this treatment after all the years I was a loyal good standing customer.
Company Response:
State: NY
Zip: 11228
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX ( XX/XX/XXXX and XX/XX/XXXX ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear CFPB, The actions taken on my account by American Express, were not, and are not, in accordance with their rules and regulations, and are in clear violation of the Equal Credit Opportunity Act. These last minute alleged returned payments of XX/XX/XXXX and XX/XX/XXXX, which they claimed to have relied upon are nothing more than falsely represented online payment information, which appeared nowhere in my account information, prior to my complaint to the Consumer Financial Protection Bureau. It was never presented to me by any Customer Service personnel I spoke with, nor was it ever communicated to me, by anyone in correspondence with me during the numerous inquiries I made over this issue. American Express has knowingly submitted these allegations, as part of an ongoing effort to further injure me, and deprive me of equality and fairness, in my efforts to establish and maintain good credit. They are currently attempting to conceal their use of an invalid evaluation process and scoring system, which they knowingly used against me on XX/XX/XXXX, to unlawfully take adverse actions against me. When they committed these acts on XX/XX/XXXX, they knew at that time, that they were making false claims, which were discriminatory in nature, and were on their face, inconsistent, contrary, and in direct conflict with XXXX law, and their previous XXXX thru XX/XX/XXXX evaluation of my creditworthiness. In the month of XXXX of XXXX, XXXX XXXX months after obtaining credit card in XXXX ) I applied for and received a credit limit increase on this same card. I also at that same time, applied for and received a XXXX XXXX XXXX credit card from American Express. My total combined credit in that month alone, went from XXXX to XXXX At no point in time during, or after, the evaluation of my credit worthiness, to receive these significant credit limit increases, was this alleged recent information from XX/XX/XXXX, ever mentioned, referred to, relied on, used, or considered by American Express at that time. This is because, it did not exist in my account information at that time, nor prior. In the nearly 2 years that I have had this account, I have missed no payments, have had no payments returned whatsoever, nor have I ever been late in making a payment. Individuals within American Express have maliciously taken these adverse actions against me, for the sole purpose of denying me the equal right to fair and unbiased use of their credit card financial products. I am therefore requesting that actions be taken on my behalf, and others to end these discriminatory practices.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received an email today from American Express ( I have the XXXX XXXX American Express card ) stating they are switching my statements without my permission to paperless. It does state I can call or go online to change it back but I don't feel they should be able to just do this. The reason I have mailed statements for all my bills is that is how I pay them out of fear I would miss seeing paperless. I don't believe this is an ethical business practice and it should be stopped.
Company Response:
State: NC
Zip: 28117
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: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My direct deposit was made to my account and Bluebird has froze my account so that I can not pay any bills, take out cash advances and in addition to that, they have hundreds of my dollars on transaction holds from over a week ago.
Company Response:
State: IL
Zip: 61111
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 and XX/XX/2020 AMERICAN EXPRESS 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: OH
Zip: 45014
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the AMERICAN EXPRESS charge-off account # XXXX and do not owe anything, but the mark in the report prevents me from achieving the desired results. I am kindly requesting your agency to remove this charge-off account from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response:
State: FL
Zip: 33009
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: On the XXXX on XXXX I called American Express to talk to someone about my mobile banking account and the young lady stated to me that my XXXX XXXX American Express Serve card was suspended and locked and I was trying to get information as to why my account was suspended and locked but she never gave me no information at as to why they locked and suspended my account and at this point I just filed my income taxes and when I contacted XXXX XXXX with is the taxes service I filed my taxes with and they stated to me that I have now wait for my income taxes refund in mail instead of me receiving my taxes refund on my American Express Serve credit card and now they are telling that I can't speak with someone over the phone instead they stated to me that I have to right a letter and mail the letter but they still didn't unlock my account.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have reported to both American Express and first premier bank that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. XXXX and XXXX shouldnt allow American Express to repot a closed account be re aged with out an investigation
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Repeated phone calls, contacted employer and relatives after certified letter sent to company to cease all phone communication. Advised to contact debt relief company to negotiate a settlement directly.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A