AMERICAN EXPRESS COMPANY

2018-12-14

Fairfield, CT

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2018-12-14

San Diego, CA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2018-12-14

Cherry Hills Village, CO

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-12-14

Brentwood, TN

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: American Express allowed my personal account be taken over and changed to a business account. I was a victim of fraud. American Express allowed the Fraudster to make unapproved cash transfers from my personal bank account that was linked to this American Express account. When I called American Express fraud line I was treated like I committed a crime. The bank transfers were done by phone calls from the fraudster to American Express customer service. They listen to the recorded lines and I was told the foreign voice did not match mine. A total of {$8000.00} was taken. I have yet to see resolution or return monies. My account was hacked for over $ XXXX from XXXX. I have never left the country. Most of charges have been removed and this took months as my account was frozen. I complaint to the CEO office for help. I never relieved any answers on how and why this happened. I have called several times and American Express has not be able to settle or help. I have made police reports and submitted all documents requested by American Express. My account is now with a collection agency. The fraud started on XX/XX/2017. This issue has been over a year and no resolution.
Company Response: Closed with monetary relief

Timely Response

2018-12-13

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Problem getting a working replacement card
Company Response: Closed with explanation

Timely Response

2018-12-13

Kissimmee, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-12-13

Wallington, NJ

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: I tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX XXXX to hotel, etc. They are giving the the following message : 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 called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
Company Response: Closed with explanation

Timely Response

2018-12-13

Staten Island, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: on XX/XX/2018 a round trip ticket was purchased from XXXX for the amount of {$4300.00} with amex gold card, the ticket has a 24 hour cancellation policy. with in the 24 hour window on XX/XX/2018 the ticket was cancelled on the XXXX website, as well to be double sure XXXX gets this cancellation note with in the 24 hour cancellation window, it was also send an cancel email to XXXX with in the 24 hours to cancel it. wile a credit was issued for leg 1 from XXXX XXXX in the amount of {$3400.00} but no credit was issued for the XXXX lag from XXXX XXXX XXXX in the amount of {$830.00} XXXX advised us to call XXXX XXXX XXXX to ask for a ticket refund XXXX said this ticket is not refundable. Our complain is that we ordered this ticket from XXXX that have an 24 hour cancelation policy. we also have an email dated XX/XX/2018 from XXXX that this ticket had an 24 hour cancellation policy. we opened many disputes cases with amex to credit this charge, unfortunately they always come back with the same answer from XXXX XXXX XXXX that this ticket was not refundable. wean we say to Amex : we did not agree to buy a non refundable ticket. and also the fact that we got credit for the first leg from XXXX XXXX shows that it was refundable ticket. as well go to XXXX and see the tickets have at a 24 hour cancellation policy. also we have an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. Amex is opening back the dispute and comes back with an answer that XXXX XXXX XXXX says this is a non refundable ticket ... it dose not help any explanation that we never agreed to order a non refundable ticket, or that we have proof an email from XXXX dated XX/XX/2018 that this was a ticket with a cancellation policy. Amex is allwas comeing back sorry XXXX XXXX XXXX says this is a non refundable ticket ... PLEASE HELP US Thank you Mr. XXXX
Company Response: Closed with explanation

Timely Response

2018-12-13

New Orleans, LA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: I reached out to AMEX this week to discuss my sign on bonus. The agent told me I had ~ {$900.00} left to spend to achieve the bonus. I then asked when do I need to do this by. It took the agent several minutes to get back to me and told me the time had expired. I told the agent I wanted the timeline increased to achieve this as it was deceptive that it was never included in any of my statements since getting the card. The agent stated they couldn't do that. I then asked for no annual fee for two years to cover the costs of the card. They couldn't do that either. I went the same round with the agents supervisor. I feel that AMEX is not acting in a forthcoming way and they are being deceitful with their practices of not disclosing a timeline on statements when a consumer must spend a certain amount of $ to achieve a sign on bonus. I have spend another {$15000.00} on that card since the date that the agent took a while to find. I have been a good customer for many years and then they choose not to give me the bonus or help with the annual fee.
Company Response: Closed with explanation

Timely Response

2018-12-13

Grand Mound, IA

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Charged for a purchase or transfer you did not make with the card
Complaint: I filed a dispute for {$270.00} on my prepaid card in XXXX they returned my money in XXXX and now the money is deducted again. I called American Express and they said dispute in favor of the merchant. My SS check will be deposited on XX/XX/XXXX I do not have money to pay my bills. I did not make this charge I tried to file another dispute they would not do it.
Company Response: Closed with explanation

Timely Response

2018-12-13

Nyc, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: To Whom It May Concern, 1. I would like to file a complaint for the non-delivery of the advertised acquisition offer for the American Express Gold Card ( applied and approved for on XX/XX/2018 ), which was confirmed in writing one month after obtaining the financial product ( Attachment 1 ). American Express Company ( henceforth " Amex '' ) invoked an arbitrary and vague clause claiming the right to revoke any offer when abuse was suspected. I argue that this was not done in good faith, as the reason given does not apply to, and is inconsistent with, the ground on which Amex has directly ( addressed to me, after doing account research, and after at least 30 days had passed since approval ) confirmed said acquisition offer in writing ( Attachment 1 ), provided by Customer Service Representative 2. Furthermore, the written confirmation ( Attachment 1 ), by linguistic common sense, unambiguously confirms my qualification for the offer. As shown, the confirmation was given after I clearly stated that there was an ongoing uncertainty as to whether I qualified for said offer. Customer Service Representative 4 ( henceforth " CS4 '' ) would later argue in a phone call that said written confirmation " did not say that you will definitely, 100 % get the [ bonus ] ''. I argue that CS4 exhibited malicious effort to reinterpret, and by doing so misinterpret, what was in fact an unambiguous confirmation. This constitutes my first complaint. 2. Within this document I would also like to file a second complaint, in which I argue that misinformation and contradicting information was not limited to the aforementioned encounter. Within a series of communication due to the same incident, I was given three contradicting reasons as to why I was not eligible for the offer : - Customer Service Representative 1 ( henceforth " CS1 ) conveyed in the phone call, after a review, that the reason was I had had this financial product or a precious iteration of the same product. This is not true and was later acknowledged by both CS1, Customer Service Representative 3 ( henceforth " CS3 '' ). It can also be easily reverified through the internal records of Amex or independently with credit bureaus. A few days later I was told by CS3 that I remained ineligible, a more in-depth review and investigate had taken place, with the reason for denial of said acquisition bonus being " existing cardmember is not eligible ''. In addition to contradicting the previous reason, which was directly stated in the terms upon application, this new reason was not directly stated in the terms upon application and CS3 invoked the arbitrary clause " other factors to defend ineligibility. Upon further contest and review, CS4 would give me yet another reason for ineligibility : I was suspected of abusing the system. CS4 also acknowledged all previous misinformation and indicated that Amex had records of all communications. 3. I would also like file a third complaint regarding Amex 's arbitrary determination of " abuse ''. To this end, I would like to clarify that I have only had one other Amex credit/charge card in my lifetime, and that account is still active. I argue that Amex had arbitrarily, or at least not in good faith, made the determination that I either abused, or was suspected to abuse, the system. CS4 also claimed that, in the application process, a pop-up indicating my ineligibility for the acquisition offer was displayed. By CS4 's own word, this pop-up was designed so that it would be hard to miss. I have no recollection of seeing said pop-up. I believe this mechanism is a new implementation and may be subjected to technical error. Upon further research on my end, I have found several sources indicating that this experience is not unusual, where other consumers were denied acquisition offer albeit not seeing any pop-up. I would like to summarize my complaint. I clarify that my intention is for them to each be viewed as an independent, self-contained, complaint : 1 ) I was given a written, unambiguous, confirmation ( Attachment 1 ) that the acquisition offers were on my account. This was delivered on an official Amex communication channel, one month after my approval for the financial product, after I explicitly inquired about my eligibility. 2 ) Through a series of contradicting information -- changing reasons for non-qualification, some of which can be verified to be invalid ( e.g. inaccurately claiming that I have had the card before ) -- I believe Amex exhibited intentional effort to not deliver advertised and confirmed offers. 3 ) Amexs determination of abuse was arbitrary, and it claimed to have displayed a hard-to-miss pop-up indicating my ineligibility, of which I do not recall, an experience shared by many others.
Company Response: Closed with explanation

Timely Response

2018-12-12

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Closed with explanation

Timely Response

2018-12-12

Federal Way, WA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: AMEX advertised to offer XXXX XXXX points after spending XXXX dollars in first 3 month for XXXX XXXX credit card. I spent XXXX dollars but did not receive the offer. I called the about this issue. They said they told me I won't receive this offer during my application. However I did not find this item during my application!
Company Response: Closed with explanation

Timely Response

2018-12-12

Fort Worth, TX

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2018-12-12

Collingdale, PA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with monetary relief

Timely Response

2018-12-12

Snowflake, AZ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: American Express Dispute Reference Case # XXXX I purchased on XX/XX/2018 an XXXX on XXXX. The description said it would work on XXXX. I received the item on XX/XX/2018. XXXX worked with me to set up the phone but we could NOT because we found the XXXX was locked with XXXX XXXX. XXXX XXXX said the owner of the account owed {$330.00} and that the owner was the ONLY person who could unlock the phone in order for me to use it. I contacted the seller on XXXX and he refused to work with me so I opened a dispute on XX/XX/2018 with American Express since I paid the {$450.00} with my Preferred American Express Credit Card. I opened the dispute through the American Express Dispute representative who was from XXXX. I carefully explained all details of the case, I also submitted mountains of evidence which pointed out that this XXXX was defective, not as described, nor in any way whatsoever would work because of the fraudulent activity by the seller. The representative from XXXX INCORRECTLY listed this dispute under the title of MERCHANDISE NOT RECEIVED!!!! Not once did I ever tell him that I did NOT receive the item! I was more than clear that the item was defective and NOT as described. This morning, XX/XX/2018, I learned from the American Express Dispute center that I had lost the dispute because the seller proved I had received the item!!! DUH!!! I NEVER told anyone at American Express that I had NOT received the item!! I was adamant at the onset of my call that I had been deceived by the seller 's XX/XX/XXXX description and that it could NOT work on XXXX for it was still locked on XX/XX/XXXXXX/XX/XXXX!!! I lost this dispute because of the incompetency of an American Express Dispute employee!!!
Company Response: Closed with monetary relief

Timely Response

2018-12-12

Wallington, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XXXX XXXX, 2018, I was charged a {$290.00} XXXX bill on my American Express XXXX for Business card. I have more than once told American Express that I had cancel the goods ( tickets ) and should not be charged. Yet, American Express keep billing me for that amount, despite telling Amex that I have proof in email of that cancellation. I have opened a 2nd dispute ( chargeback ) but still no resolution as of this writing.
Company Response: Closed with explanation

Timely Response

2018-12-12

Sherman Oaks, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-12-12

Ehrhardt, SC

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: On XXXX I made a purchase at XXXX department store. I made a split payment with my prepaid Serve American Express card and Visa card. On XXXX XXXX I returned the merchandise to the store and was issued a refund. In the same method I used to purchase. I was issued the refund on the Visa card immediately however my refund for {$29.00} never was refunded to my account. I contact the card holder and they proceed to tell me I needed to open a dispute. On XX/XX/XXXX I opened a dispute and over 12 days later I received a email to provide the receipt for proof of a refund. I provided a copy of the receipt. On XXXX I received a email from American Express stated my dispute was denied. I called the customer service number numerous time and can never reach a live associate. There is jo one to give me answer to why I'm out of my fund and merchandise. This company has been giving me alot of problems to give me my refund. I have all my paper work to prove I'm due my {$29.00} refund. This company is committing some fraud activities.
Company Response: Closed with explanation

Timely Response

2018-12-12

Agua Dulce, CA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2018-12-12

Nyc, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I recently upgraded my XXXX Amex card to the XXXX XXXX card, with the understanding that I was eligible to receive XXXX promotional points for meeting spend requirements within the first three months of the upgrade. I exceeded the soend requirements within a month of the upgrade. When I called to confirm, Amex initially told me that I should wait 6-8 weeks for the points to show, but that I was eligible to earn the points. After waiting as I was told, I have still not received my promotional points. When contacting Amex customer service, I was given the runaround and told that a ) no promotional bonus was attached to my account and b ) that I should wait another 6-8 weeks for the team to investigate. It has been over 10 weeks since the initial inquiry, and I still have not received my promotional points despite having hit all spend requirements and paid for all annual fees/payments on time.
Company Response: Closed with explanation

Timely Response

2018-12-12

FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I was contacted by XXXX XXXX XXXX, in XX/XX/2016 who offered to buy my timeshare in exchange for their vacation program, which had much lower yearly costs. They set me up with VP Title Company, who informed me it would cost {$2600.00}, plus my timeshare to enroll in the new program. Much of this fee was to TRANSFER my timeshare. They stalled the process until XX/XX/XXXX at which time they said my timeshare had been transferred. I called XXXX XXXX and found NO TRANSFER HAD OCCURRED. They simply CANCELLED my timeshare, which was valued over {$10000.00}. Furthermore they never offered me the new vacation program through XXXX XXXX XXXX. I contacted American Express within a day or two, in early XX/XX/2016, informing them what happened and they started dispute. VP Title sent information stating that CANCELLATION AND TRANSFER meant the same thing. I sent them information from XXXX XXXX stating these terms certainly did not mean the same thing and since I paid for transfer, not cancellation, I requested my money back. I have repeated disputed this with American Express ( >2 years ), requesting conference calls with VP Title or XXXX XXXX, or speak to manager. I never get my requests honored and never get the same person to speak to. Just chain letters from American Express requesting more info, but never addressing the information that I sent from XXXX XXXX that A TRANSFER OF MY TIMESHARE WAS NEVER MADE.
Company Response: Closed with explanation

Timely Response

2018-12-12

NC

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Complaint: XXXX XXXX ( working on behalf of American Express ) has continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18
Company Response: Closed with explanation

Timely Response

2018-12-12

DE

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: XXXX I spoke with a supervisor at Am/Ex and she informed me she would share my issues with my card in a complaint but no one would call me back or to follow up. This is a new card to me and I have two other cards with Am/Ex, since XXXX. I have a credit score over 800 and have all my credit cards on direct, full payment draft ... Except for this credit card, I have it set to draft {$500.00} on each due cycle. I was talked into taking this card over the phone by Am/Ex when I was communicating to them about one of my other cards. The short of it, they offered me a card with just minimum payment due until XXXX ; also if I spent {$5000.00} within the next 3 months I would receive XXXX in rewards points. Upon receiving the card, the first problem I noticed was the wrong DBA name on my card. It took until XXXX for them to correct this issue, I made NUMEROUS phone calls about this ( each time I was promised it would be changed and a new card would be sent to me ). Then when I was signing in online to make a minimum payment on this card, I could NOT do it as the ''primary card '' was a MUST to sign-in and I did not have that card, only had possession of an alternate card, XXXX XXXX ... This allowed charges to go onto the card and yet, American Express had NO WAY to allow me to go online and make a payment ( without the card with my full name, which Am/Ex had NOT even sent out until just before the bill was due ). I then went online ( XX/XX/XXXX ) and registered the card in my account with the help of Am/Ex, as each time I went to ''make a payment '' on the online service, under that card, the website of Am/Ex would ''flip '' me to a different card of mine! In other words, I would just about press send and then notice the screen reload and show a different card was going to receive that payment - which was {$200.00} ( which was greater than the minimum Am/Ex requested ). So, I went to an ''online chat session '' with Am/Ex and explained to them what was going on. While they were attempting to help me, perhaps they did fix something, as I was still attempting to make the payment as I was between the chat response times ... THEN, at one point, it took the payment of {$200.00} to the card which it was due, as I observed NO reloading of web page. I then moved on in conversation with the chat, to addressing my card having the wrong name on it and was informed a new card would arrive within 7-10 days, it arrived in XXXX! Fast forward to XX/XX/XXXX, I had another online chat session and was question why I was seeing a minimum payment due of {$5200.00} and I stated in the chat that this card did NOT have a interest until XXXX and why was I seeing interest charges. This person had a few more comments as I told him I could not verify my card because, the online ''visual request and showing me where security numbers were on the card, that this card did not have them! " ... We went back and forth and then the Am/Ex representative put his supervisor on the chat. I offered to send the supervisor a photo of my card to prove to him no security codes was present as informed to locate. I also informed him of the card billing issues I was having and the amount of requested payment being wrong. This supervisor informed me that he was going to ''open a case '' " Here is what I'll do for you, I'll go ahead and open a case on your account so that our team can look into the matter '' We then talked about what is going wrong with my account, he wanted me to call in to work it out and I wanted to resolve it in written form in the chat. He confirmed they were waiving the interest fee ( which I thought was in error all along as it was not as I understood the agreement ). I understood, only minimum payment due without interest and that they would extend the line of credit as I needed it. NEVER did I understand that anything above {$4000.00} would be required in FULL or I would pay interest and late fees on that amount. I contracted with Am/Ex over the phone with an agent that had trouble speaking or understanding English ; as I recall, I had to keep going over answers and issues with her. This is the chat Id XXXX from this XX/XX/XXXX conversation. Then we moved onto the problem with the card and how could we resolve my issues ( I have screenshots of the entire chat if needed ). This supervisor insisted that I call in and speak with someone ... I did that while he was still on the chat and ultimately discontinued the chat with this online chat representative. I was also confirming that the minimum we sent to come out each month went from {$200.00} to {$500.00} per month ( this was so I could knock down the balance before the XXXX interest due deadline ). Recall, I believed this card was NOT charging interest until XXXX! This is a quote I just saw from the live chat, " Your introductory APR for new purchases posted to your account by XXXX is 0.00 % through your billing period ending in XXXX. After that, your APR will be a variable rate of the Prime Rate + 7.99 %, currently 13.24 %. '' This is how I understood this agreement and not how the last phone call I had with a supervisor explained it to me ... She informed me that, anything OVER {$4000.00} would be due in FULL or interest would be charged and a late fee! Please, locate that phone call records, as she informed me phone calls are recorded and told me I would have to take them to court to listen to them ( she said, this in an aggressive way, as the phone call will reveal ) ... If, you listen to the phone call, it will be revealed that Am/Ex ''set me up '' on this card ''deal ' that they ALWAYS had BAD INTENSIONS of ''suckering me '' into paying interest and penalty fees. That the limit they gave to me was {$4000.00} YET told me I would only have to make the minimum payment ( please find recordings of the agreement, when card was first agreed to ), at one point in contacting Am/Ex, after I realized that the ''numbers did not make sense '' ... That is, I had to spend {$5000.00} within 3 months but, I only had to make minimum payments on this card! They informed me, that the card does not have a limit and it is okay, and no interest until XXXX, please check the phone recordings during the time I made purchases from a landscape supply house ... that is when I was ''set at ease '' ... Fast forward to me and the late fees and I contacted them via chat today informing them that this card has to be fixed ( chat records exist ) ... Then going onto the supervisor on the phone and ONLY TODAY did I realize that anything above $ 4k I will owe in FULL or a later fee and interest would be charged! I informed the supervisor that American Express is running a scam, that if I made the minimum payment on $ XXXX ( card limit - which she verified to be {$40.00} per month ) and SO, if, I was to make the minimum payment ( as this card was promoted to me as, only minimum payment, no interest card ... ) that NO way could I EVER get the XXXX XXXX rewards points, as I would NOT be able to get to the minimum {$5000.00} in charges in 3 months WITHOUT going over the limit of {$4000.00} they gave me! ALSO, keep in mind, I have an 800 plus credit score! and I was totally shocked over the silly {$4000.00} limit the offered ... BUT, NOW it is clear why they did that, to cause this DRAMA and perhaps it works with a lot of people and maybe only one or two bite back ... I am biting back, as I am sure this card was set-up and offered to cause this issue. I have NOT to this day, received any written card requirements - all they sent me was a card on a glued paper ... I ask the help of CFPB to correct this error on Am/Ex part. Please, note, I did ask the supervisor to please give me further access to a higher level supervisor before I would make this complaint and she informed me that all she could give me was a an address in XXXX XXXX Texas to write and complain and that she was writing a formal complaint about my issues but that NO ONE would be contacting me about her written complaint. Further, NO ONE, has contacted me about any issues from the promised date, back in XX/XX/XXXX, ( the 6-8 weeks turn around time - has not happened as of yet ). This error put a hardship on me as it has caused me MANY hours of communicating with Am/Ex and only today I realized their ''scam '' ... I asked the supervisor tonight to simple allow my auto payment of {$500.00} per month to pay down the card in a timely manner and I would NO longer use the card as it did so. The supervisor said, she could remove the late fee and that was all. Again, this is not fair to me as consumer and I ask for your help.
Company Response: Closed with monetary relief

Timely Response

2018-12-12

Palos Park, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: American Express opened a business card for one of my businesses ( XXXX XXXX XXXX ), and waived the personal grantor clauses. This statement was repeated to me on ever phone call. Currently, they have listed the debt on my personal credit. The business is incorporated, it has an XXXX, and a XXXX XXXX XXXX account.
Company Response: Closed with explanation

Timely Response