AMERICAN EXPRESS COMPANY

2018-09-14

Bridgeboro, NJ

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

2018-09-14

Memphis, TN

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

Complaint: On XX/XX/2018 I was detained by the police from my vehicle and taking to prison. I left my wallet with my identification card and social security card, XXXX XXXX card, XXXXXXXX XXXX Card inside it in my vehicle. I was release from prison XX/XX/2018. I discovered shortly after my release my vehicle was burglarized and my wallet and my phone was stolen. I immediately called American Express to cancel my card and I filed a dispute with them that day and I filed a police report the following day. I certified mailed my police report, prove of incarceration form, photos of my burglarized vehicle, FTC report and declaration of fraud form in on XX/XX/2018 to their corporate office in XXXX XXXX Utah. I also fax American Express Serve Team the police report and upload all documents listed previously to their website around that time as well. All documents was submitted before the 10 business day provisional credit period. On the XX/XX/2018, I received an email of denial of my claim. The representative explained to me upon calling, my claim was denied due to a merchant validating that a tranactions was valid. I spoke with each merchant neither of them confirmed validating any charges with American Express. I also contacted the American Express CEO XXXX XXXX and the executive department regarding this claim. They claim they was going to look into it but they have yet to resolve the issue as well. The Dispute amount is XXXX. I really need this issue resolved and those funds reversed to my account as quickly as possible. Thank You.
Company Response: Closed with explanation

Timely Response

2018-09-14

Anaheim, CA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/2018 an inquiry was placed on my XXXX report by this company that I do not recognize. I would like to request to have this inquiry removed ASAP. Otherwise please show signatory proof that I in fact did apply for this account.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-14

Key Biscayne, FL

Other features, terms, or problems

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

Problem with customer service
Complaint: Hi, I have a problem with XXXX XXXX XXXX XXXX. Unfortunately, I do not know the exact dates of the incident but here 's what happened : I had American Express gold card for years and used it until I realized that I'm paying {$180.00} annual fee, which for me and what I was using a credit card was too much so I decided to cancel that card but their representative, after several offers, finally offered to waive annual fee. I accepted and continued to use that card until I realized that after few months they still charged me {$180.00} annual fee. I called, they said that fee will be removed but never did. After several calls, their supervisor explained me that because I used their membership reward program ( I got {$20.00} GAP gift card ) I must pay annual fee. They never told me about that and if they did I will definitely denied the offer and cancel the account like I wanted too. I payed for all of my purchases and fees excluding {$180.00} annual fee and called AMEX and asked to cancel my card but they never did and although I did not used the card, charged for late fees etc. pumping that account to over {$400.00}. They also send debt information to credit report companies resulting in my credit score decreasing. Now they sending me offers to settle for 60 % of my " debt '' - {$240.00}. I tried stating my case to American Express customer service but without any understanding from their side. If you can help me on this matter, I would appreciate it. Thank you, XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-09-14

UT

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

2018-09-14

Wallington, NJ

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 explanation

Timely Response

2018-09-14

Chicago, IL

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: American Express offered promotional financing on their website. I went to accept the terms, however, their website did apparently not accept those terms and I was never granted the financing I was offered and had accepted. I called American Express to address the situation and they acknowledged that I did accept the financing, but refused to fulfill their offer.
Company Response: Closed with explanation

Timely Response

2018-09-14

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Hello, The following is a continuation of complaint # XXXX. In XXXX XXXX and American Express ' response they noted that I called in and represented myself as my father ( customer ). I clearly remember identifying myself as XXXX, and never once stated that this was my loan. In an effort to address this matter, I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX called back again on XX/XX/XXXXand again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.
Company Response: Closed with explanation

Timely Response

2018-09-13

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

2018-09-13

NJ

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

2018-09-13

Parlin, NJ

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
Complaint: Promptly and timely filed complaint made via telephone to American Express on or about XX/XX/2018, in regards to a lost credit card and a couple of fraudulent charges on my account, the account number was transferred to a new card number. Reported the charges to American Express as follows : all posted on XX/XX/2018, {$52.00} XXXX XXXX, {$170.00} XXXX XXXX XXXX, XXXX XXXX {$89.00}, XXXX XXXX XXXX {$67.00}. I was advised I was not responsible for fraudulent charges. Somehow, American Express coded my dispute incorrectly and sent me four letters dated XX/XX/2018, with copies of the credit sale and that the dispute was being closed.
Company Response: Closed with monetary relief

Timely Response

2018-09-13

Key Biscayne, FL

Incorrect information on your report

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

Account status incorrect
Complaint: Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that American Express ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.
Company Response: Closed with explanation

Timely Response

2018-09-13

Brooklyn, 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 responded to an online advertisement for an American Express XXXX XXXX card offering {$200.00} statement credit for any purchase on XXXX and another XXXX XXXX XXXX XXXX ( XXXX ) miles after spending {$1000.00} on XX/XX/2018. After I received my new card, I sent some money on a XXXX flight on XX/XX/2018 but did not see {$200.00} credit on my statement. On XX/XX/2018 I called Amex and spoke to operator XXXX who promised {$200.00} credit in 6-8 weeks. XXXX also encouraged me to spend {$1000.00} on the card by promising that I would get XXXX XXXX frequent flyer miles ( I have the conversation recorded and can provide a copy of the recording if needed. Because of XXXX confirmation I used the card to send over {$1000.00}. ) However, after 8 weeks have passed and I called XXXX I was told that they are not going to honor their promise and that I was not going to get {$200.00} or XXXX miles. The excuse I was given is that I used to have a similar card in the past. I was also told to send a letter explaining the situation to XXXX. However, it has beed almost 2 months since I sent the letter and no response came.
Company Response: Closed with monetary relief

Timely Response

2018-09-13

Key Biscayne, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: This is a complaint against the American Express,. The following inquiry were not authorized by me, Never having given my permission for them to inquire about my credit status, they are unauthorized by me. 1 ) AMEX DATE : XX/XX/2018.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-13

Key Biscayne, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: This is a complaint against the American Express, have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-12

Taft, OH

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 responded to an American Express account opening bonus offer, wherein I was offered XXXX bonus points if I spent {$2000.00} on the credit card in first 3 months. I applied and was approved for this card in late XX/XX/2018. I spent more than {$2000.00} on the card by XX/XX/18. I contacted customer care via online chat on XX/XX/18, who confirmed that I had completed the requirements for the bonus, and that the bonus will be credited in 6-8 weeks after the requirements were completed. I contacted them again on XX/XX/18 as the bonus was never credited. I was then told that although I had completed the requirements, the system was not recognizing all the charges for some reason, and that they will have to conduct an investigation which may take 3 months. It has now been 3 months since fulfilling all the requirements for the bonus, and now I will need to wait another 3 months for this investigation.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-12

San Francisco, CA

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: This is regarding Complaint ID 's XXXX, XXXX and XXXX. I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. XX/XX/2016 Reference : XXXX XXXX AUTOPAY PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ONLINE PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX MANUAL CR BAL REFUND
Company Response: Closed with explanation

Timely Response

2018-09-12

Hudson, NC

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: I returned merchandise to XXXX XXXX on XX/XX/XXXX and my Amex Serve card was used for that transaction. The merchant issued a refund credit to my Amex Serve card on XX/XX/XXXX for {$210.00}. The original charge was {$220.00} so the refund credit is for the original amount minus the shipping charges. American Express has put my return credit on hold for 7 days and this is money owed to me.
Company Response: Closed with explanation

Timely Response

2018-09-12

Falls Church, VA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2018-09-12

Bardonia, 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 explanation

Timely Response

2018-09-12

Norwalk, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXX American Express called asking for someone that is NOT ME to collect a debt. I told them they have the wrong information and hung up. XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. XX/XX/18 I called American Express using the number they called from XXXX, I informed them again that they have the wrong phone number and person listed and I have not had any contact or connection with the person they are asking about in years. They said that we would need to contact the person because they listed our phone number a year and a half ago. I told them that I have no connection to them and they need to stop harassing me for a debt that does not belong to me. I am a loyal customer of American Express myself, and I am very upset that they are continuing to harass me when I pay off my balance every month, so they need to remove my # from this other person 's account. Also told him that it is fraud and illegal for them to take down my information and place it on another person 's account in the first place! The person on the phone told me there was nothing he could do and hung up on me.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-12

Gpt, MS

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

2018-09-12

Herndon, VA

Fees or interest

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

Charged too much interest
Company Response: Closed with monetary relief

Timely Response

2018-09-12

San Diego, CA

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
Company Response: Closed with explanation

Timely Response

2018-09-12

Maynard, MA

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response