AMERICAN EXPRESS COMPANY

2018-12-01

San Anselmo, CA

Closing your account

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

Company closed your account
Company Response: Closed with monetary relief

Timely Response

2018-12-01

San Anselmo, CA

Closing your account

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

Company closed your account
Company Response: Closed with monetary relief

Timely Response

2018-12-01

Chester, NY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-12-01

Finksburg, MD

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 explanation

Timely Response

2018-12-01

Nappanee, IN

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2018-12-01

Encino, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-12-01

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-30

Los Angeles, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-11-30

San Diego, CA

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-11-30

FL

Other features, terms, or problems

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

Other problem
Complaint: In XXXX, I went on a celebrity cruise and used a next cruise certificate that I had purchased 5 years ago on a XXXX American Express. The advantage of using the next cruise certificate is that Id be receiving a XXXX credit. Unfortunately the credit went to the XXXX amx which hadnt been valid for 3 years. They accepted the XXXX on my behalf so, celebrity was unable to reverse the charge. Apparently on XX/XX/XXXX amx transferred my XXXX credit to my current XXXX visa who has no record of receiving this amount.
Company Response: Closed with explanation

Timely Response

2018-11-30

Blue Point, NY

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-11-30

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2018-11-30

Erie, PA

Opening an account

Checking or savings account: Savings account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2018-11-30

Vista Alegre, PR

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: AMEX will not provide me the truth in lending documents I signed to initiate the loan. I need these for a mortgage I am closing on. They claimed they are available on the online access through the home page of the loan ( in the top right corner select this account ), middle of the page " view loan documents '' and then it should be an option there. It is not. They do not believe me it is not there, and I have offered to give them my log in, and check for themselves. I also requested an email I can forward a screen shot or a video of me going to that location and the documents not being there. I requested by chat and phone that the truth in lending documents simply be emailed to me. I was first told no, that is against policy. Then, I was told they would check with the manager and get them to me. This was several weeks ago and they still have not got them to me. I have used every single link online. It simply does not work. I need these sent to me electronically by email ASAP. Or the loan needs to be forgiven.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-29

Charlotte, NC

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble getting information about the card
Company Response: Closed with explanation

Timely Response

2018-11-29

Jamestown, 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
Company Response: Closed with monetary relief

Timely Response

2018-11-29

Hamburg, NY

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

Complaint: XXXX XXXX has kept a Billing Error Charge on my account for many weeks and another to pay have been deined for misconduct by this company. I real dont think they know what they are doing!!!! on XX/XX/XXXX Provisional Credit Reversal - {$75.00} -- -- -we never had a vaild charge with merchant for {$75.00}. XX/XX/XXXX Transaction ID : XXXX -- -- comparing signatures, requesting documentation to assist in validating the claim, requesting a signed written statement from the cardholder or authorized user, and requesting information about the cardholder 's knowledge of the person who allegedly used the card or of that person 's authority to do so. Further, I may be required to comply with a court order or subpoena to give testimony. I swear this affidavit is true and understand that making a false sworn statement is subject to federal and/or state statutes and may be punishable by fines and/or imprisonment. Thank you for your help.The misconduct by American Express XXXX card out in the XXXX XXXX is quite frankly disgusting they have done nothing and have continuously let the fraud get bigger and bigger with no help instead of helping you out they slap you with a fake violation totally disrespectful group of people out in the XXXX XXXX we are now asking help within the corporate office of Utah The Fair Credit Billing Act was passed in XXXX as an amendment to the Truth in Lending Act. True to its name, the billing act 's primary goal is to establish consumers ' rights when goofs occur on the bill unauthorized charges, fraudulent charges, math errors, billing addressing mistakes and the like. The Federal Trade Commission website lays out those rights in detail. For this matter, nobody signs any contract with the Attachment of the false Charges. The Federal Trade Commission ( FTC ) is the nations consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace. In addition, the Fair Credit Billing Act says that youll never be liable for unauthorized charges made while your card was in your possession. In other words, if the unauthorized charges were made with your credit card account information rather than your credit card, you wont be held liable if you still have physical possession of your credit card. See Per the Federal Reserve Board 's Regulation E, Electronic Fund Transfer Act.Electronic Fund Transfer Act The Electronic Fund Transfer Act is XXXX federal legislation that establishes the liabilities and rights of consumers whose funds are electronically transferred. Consumer protections include a mandate that all transaction fees for ATMs be displayed prominently on the machine and a prohibition on fees not properly disclosed. Consumer liability for unauthorized transfers due to card or PIN number theft or card loss is capped at {$50.00} if the customer notifies his bank within two business days. One thing that isn't clear to me is how someone got access to the card if no one is using it and it wasn't held by an employee. In your situation, I'd want to get to the bottom of this, so it doesn't happen again. The Electronic Fund Transfer Act allows banks and other financial institutions to place their own, voluntary caps on liability for unauthorized credit card charges and use of ATM and debit cards.
Company Response: Closed with explanation

Timely Response

2018-11-29

Bonnie, UT

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2018-11-29

FL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-29

Naples, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-11-29

Washington, DC

Improper use of your report

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

Reporting company used your report improperly
Complaint: There was inquires from American Express TRS on XX/XX/2017, XXXX, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/2017 and I authorized this myself! Tried reaching out but got no help
Company Response: Closed with explanation

Timely Response

2018-11-29

Moran, KS

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response

2018-11-29

Omaha, NE

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with direct deposit
Complaint: My direct deposit was processed and sent to Amex serve on XX/XX/18. I spoke with the CEO of our company whom confirmed with the bank that it was sent over to American Express Serve and they accepted it. This is the third time this has happened. The second time it happened i waited 7 days for my money and American Express deposited {$50.00} good faith credit in my account without speaking to me and sent me a letter of apology. This time i am afraid as i have rent to pay in less than 48 hours. I am in tears and i cant get through to anyone in customer service i have been trying since yesterday.
Company Response: Closed with explanation

Timely Response

2018-11-29

Sandy Hook, CT

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble getting information about the card
Complaint: American Express Serv mobile app has been down for days. I can not access my balance, transfer funds or make purchases. They are holding my monies hostage. The date the issues started was XX/XX/2018
Company Response: Closed with explanation

Timely Response

2018-11-29

Memphis, TN

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: My husband lost his job around the same time my hours were cut at work a year or two ago. I had 4 credit cards at the time. Due to English being my second language I ask my husband for help with taking care of our credit card debt. He made multiple calls to each credit card companies explaining our situation in detail. We asked for any forgiveness and if there could be any payment plans we could take on until we were back on our feet. With XXXX children we are pretty maxed out when it comes to paying all the bills with just one salary. None of the credit card companies would work with us in any way. Eventually my accounts were sent to collections when we could not meet the monthly minimum. Again tried calling the card holders and was completely shut down saying there was no arrangements that could be made. My husband and I both now have full time jobs and are moving in a great direction. However my credit score still suffers from a tough time in our lives when we had little to no control of what was happening in our careers. I complain simply because I did everything in my power to make things correct with these creditors and avoided bankruptcy at all costs. My credit score should make it aware that i do my best to make sure my bills are paid on time and to the best of my ability
Company Response: Closed with explanation

Timely Response