AMERICAN EXPRESS COMPANY
Consumer Complaints
There are over 15403 complaints on file for AMERICAN EXPRESS COMPANY. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 175
2018-05-25
Grosse Ile, MI
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/XXXX my grandmother XXXX unexpectedly due to a XXXX XXXX at the same time that her husband, an American Express cardholder, was recovering in the hospital from XXXX XXXX. I was notified and upon receiving the news drove from my location in the Great Lakes region to the Southwest a total distance of around 2000 miles in each direction. I believe that I notified American Express of my travel so that I would not be locked out of either of my American Express charge cards.
My monthly payment became due on XX/XX/XXXX, however due to my mitigating circumstances I was not able to make the payment on-time. Around XX/XX/XXXX I I received a phone call from American Express inquiring as to why my payment was late. I informed them that Id just lost one grandparent and that the other grandparent was not doing well in the hospital with recovery. I also informed them that because of the way my accounts are set up for ACH transaction between my checking accounts, I wouldnt be able to transfer money for another week and a half, due to the way in which my employer was depositing my compensation over the holiday period.
The American Express representative informed me that she needed to schedule a payment by XX/XX/XXXX so that my relationship with American Express was not adversely impacted. I told her that the money would not be in my account by that time she was persistent. She cajoled me into authorizing the transactions to maintain my relationship with American Express. I asked the representative whether I would be able to wire a payment to American Express if the payment was returned and whether I would be able to wire additional payments if I faced another emergency situation that took me away from my banking institutions.
She gave me the bank wire routing number : XXXX. Additionally, she gave me an account number that corresponded to my American Express account. The related address for the bank wire was XXXX XXXX American Express XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX I authorized a wire transfer on XX/XX/XXXX from my brokerage account with XXXX XXXX to the American Express wire account as identified above. Within an hour of authorizing the wire, I was notified by XXXX XXXX that the wire had been processed, and received a subsequent notification from the Department of Treasury that my wire payment had cleared the Federal Reserve. American Express lost the bank wire payment.
On XX/XX/XXXX I contacted both XXXX XXXX and American Express inquiring the status of the wire. XXXX XXXX again confirmed that the wire transfer had been sent and received by American Express. However, when I contacted American Express, American Express had no record of having received the payment.
After returning to the Great Lakes region on XX/XX/XXXX, I again called American Express. I inquired about the status of the wire payment. American Express again indicated that they had no record of receiving the wire payment. The call was concluded. I called again a few days later, informed the representative about the situation and my concern. In particular, I asked the representative how this situation would be handled with the bank, since there was a transaction history from XXXX XXXX and the Federal Reserve indicating that American Express had received a wire payment for XX/XX/XXXX on XX/XX/XXXX.
The representative I spoke with deflected stating that even though American Express lost the payment, my concern should be with the XX/XX/XXXX payment that was now due. I asked the representative how or even why I should be responsible for a XX/XX/XXXX payment, if the bank had already lost my XX/XX/XXXX payment had had not offered to compensate me for the two-thousand dollar loss. It took two additional representatives, all of whom were based in XXXX, to even offer to file an investigation regarding the lost XX/XX/XXXX payment.
Once I was satisfied that the lost payment was being investigated I remitted the XX/XX/XXXX payment this took place around XX/XX/XXXX in the amount of XXXX. Shortly thereafter, the lost XX/XX/XXXX payment was found but applied retroactively with a data of XX/XX/XXXX, instead of the XX/XX/XXXX.
On XX/XX/XXXX I paid an additional XXXX dollars to cover the XX/XX/XXXX payment. On XX/XX/XXXX I paid an additional XXXX dollars. On XX/XX/XXXX I paid an additional XXXX dollars. On XX/XX/XXXX I paid an additional XXXX dollars. On XX/XX/XXXX I paid an additional XXXX dollars. Over the sum total of the payments made to my American Express account totaled around XXXX dollars, which was in excess of my minimum payment obligations including both my pay over time and charge balance from the period of XX/XX/XXXX thru XX/XX/XXXX. Yet American Express marked my payments since XX/XX/XXXX as Late.
In early XX/XX/XXXX American express contacted me indicating that a XX/XX/XXXX payment had been returned and as such my account was under Financial Review. I asked the representative what the impact of the review might be and he stated it could be a downgrade in risk exposure ( line of credit ) and or a cancellation of the card. My risk exposure limit was reduced after the financial review, after Id made a XXXX dollar payment. In this instance the risk exposure limit was lowered beyond the current balance of the card, making the card unusable until I made a subsequent payment. American Express subsequently canceled not only the card referenced here, but my additional elite status card a week later.
According to American Express own analytics, my monthly spending for the period of XX/XX/XXXX thru XX/XX/XXXX was below the level over the previous year. In fact, it was only around half of the previous year. Furthermore, my six month statement balance was reduced over a six-month period from at the risk exposure limit to approximately five ( 5 ) thousand dollars below the risk exposure limit. Despite this pattern of maintaining my financial obligations and conducting myself in accordance with responsible lending, American Express stated that the reason my accounts had been canceled was because of financial review and the fact that Id been late for ALL months in the past five ( 5 ) consecutive months. When I asked the Representative how the review was conducted and who within the Responsible Lending area had conducted the review, the representative explained to me that the process was conducted by a machine and that no individual had actually reviewed the file.
Upon being transferred to a Responsible Lending team in XXXX, I was told that unless I agreed to ACH transactions for the XX/XX/XXXX payment, the same system that deemed me to be a risk to American Express for lending was subject to send my accounts for external collection. I inquired about the amount the bank would be trying to collect on the representative couldnt tell me. When I asked why the bank would seek to collect BEFORE considering the outstanding balance to be a loss and charging-off the balance, the representative could not answer. After speaking with a supervisor, the representative returned stating that the process the bank uses to collect funds is at their discretion.
My payments were in excess of my obligations per my statements from XX/XX/XXXX thru XX/XX/XXXX. Furthermore, my charging history was below what it was for the same period a year prior. And, my average balance for each month from the period of XX/XX/XXXX thru XX/XX/XXXX was below 2000 dollars per month with the exception of XX/XX/XXXX. In fact, my overall spending on the card over the aforementioned period was similar to the spending habits when I first obtained the card nearly four years ago. Yet, American express continued to bill me in excess of 2000 dollars for those particular months.
American Express Therefore, it would appear that America Express ' back-end analytics target members in a way that maximizes their profit while minimizing their risk exposure by purposely targeting accounts for closure. American Express ' analytics system seems to rely on the assumption that a member with a non-zero pay-over-time balance would be incapable of paying the balance in full at time of cancellation. The scheme appears to be such that if a pay over time balance exists on the account, under any indication of an inability to pay, the analytics system will close the accounts, such that no future charges may be made, but future profits can be made because there exists a nonzero pay-over-time balance on the account. Furthermore, the analytics system also seems to reduce risk exposure limits below a certain amount that makes the card unusalbe immediately after payments have been applied to the account to meet alleged outstanding payment obligations.
Overall, I lost my grandmother, an American Express card member. At the same time I nearly lost her husband, my grandfather, also an American Express card member for over three decades. The only reason I even have an American Express card is because I saw them with theirs and the presumed success it embodied, and what I thought was a quality banking institution with good customer service. Unfortunately, despite attempting to maintain a good relationship with American Express, I have been penalized for bank transfer errors, payment accounting errors, and insensitive representatives seeking to schedule a payment during a time of grieving and loss. In essence, I got trapped in between accounting irregularities, computer bugs, and poor customer service that is outsourced to XXXX.
The sad thing is that when I told my grandfather about the experience I had, my grandfathers response was that he, again a card member for decades, had been subject to similar experiences such that while he still has the card, he no longer uses it.
Company Response: Closed with monetary relief
2018-05-25
San Diego, CA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief
2018-05-24
Glassell, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with explanation
2018-05-24
Simi Valley, 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
Complaint: I have enrolled in the AMEX Offer for XXXX XXXX XXXX Small Business Internet. I have made a payment on XX/XX/2018 for {$200.00} to my XXXX XXXX XXXX Small Business Internet account via XXXX. The transaction posted as follows : XXXX XXXX XXXX HSIA BUS E-EVR XXXX XXXX XXXX XXXX - XXXX TX XXXX UNITED STATES XXXX Additional Information : XXXX XXXX XXXX XXXX HSIA XXXX XXXX XXXX HSIA Reference : XXXX Category : Communications - Cable & Internet Comm I have contacted AMEX via chat twice and phone. I was told that the transaction is not qualifying for the credit because it is a XXXX XXXX XXXX HSIA not XXXX XXXX XXXX Small Business Internet. However, per XXXX XXXX XXXX and by technical standard, HSIA stands for High Speed Internet Access. Therefore, the transaction should be read as XXXX XXXX XXXX High Speed Internet Access Business and should be considered as qualifying purchase as per the offer.
Company Response: Closed with monetary relief
2018-05-24
Madison, GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/XXXX American Express recevied the wrong payment amount of XXXX. I first contacted the bank and complained about this because the payment from the bank side was just pending. The bank said they wouldnt be able to do anything because the payment hadnt posted. I contacted American Express and notified them not to process the payment cancel the payment and they quickly processed the payment. Quicker than usual. Once the funds where taken from my bank account, I called American Express XX/XX/XXXX, and I was told by a representative ( XXXX ) that the check would be mailed the next day. Instead of mailing a check they have deducted funds from the balance so far a total of XXXX and still are holding on to my money. The account was not past due and a payment was not even required. They had already received a total of XXXX and where only owed XXXX to be exact but American Express was stealing money from me because they where taking payments from me but where not updating the balance. I have complained multiple times about this but have only received the runaround. So far I am owed XXXX American Express has also been taking payments but hasn't been updating credit card balance accordingly
Company Response: Closed with monetary relief
2018-05-24
Stevenson, 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
Complaint: On XX/XX/XXXX, I was a victim of Identity theft. Someone hacked into my American Express account online and removed my bank account information and replaced it with their own. They then pretended to make a {$1500.00} payment on a {$0.00} balance account, knowing that it takes 2-3 days to process, and immediately requested a refund for the full amount from American Express. Amex sent them a {$1500.00} check straight into their bank account. The " payment '' that this person made came back as " non sufficient funds '' and the {$1500.00} that Amex sent him now became a {$1500.00} balance on my Amex account. I contacted Amex as soon as I saw this balance on a credit card that I haven't used in over 3 years. I called them immediately to tell them that this was not me trying to make this payment and the bank account that they sent a {$1500.00} check to was not my bank account. I told them to freeze everything so that this person doesn't have access, but they didn't do what they promised and on XX/XX/XXXX, this person made another " payment '' for {$1300.00} from another bank and immediately asked for a refund to be sent to him. American Express again sent him a check for {$1300.00} and again his payment turned out to be " non sufficient funds ''. After charging me interest fees, returned payment fees, and finance fees. My {$0.00} balance card that I haven't used in over 3 years, has a balance of {$3200.00}. I have called American Express at least once a week for the last 4 months trying to get this off my account and after being transferred from one department to another, and having to explain this nightmare to a different agent every time, for many hours a day ... they haven't done anything to help me. They've told me that they're opening an investigation each time and when I call back to see what the outcome is, they say that no investigation has been open yet. They guaranteed me that they were going to fix this and that my perfect credit score was not going to be ruined. It has now hit my credit score and dropped 64 points overnight due to this delinquent Amex account that they promised that they were going to return back to a {$0.00} balance. This has been a horrible nightmare and American Express has been completely noncompliant in any and all of my complaints. They sent this stranger money without even checking his identity or asking any security questions to make sure that this was me. They didn't notify me when there was suspicious activity on my account. I have still not heard from anyone from Amex regarding this issue.
Company Response: Closed with monetary relief
2018-05-24
Glassell, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-05-24
CT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Delta American Express called me saying that a card I had never activated had a questionable charge. They asked me if I wanted a replacement card. I said " Yes ''. They sent me another card which I did not activate. A month later I received a bill for a {$90.00} membership charge.
I called the number on the statement and complained that I had not activated the card. The person I spoke to put me on hold and I waited for another person who I explained my request to remove the charge and cancel my account. They then put me on hold and I waited for a third person who I explained my wish to have the {$90.00} fee removed and to cancel my account.
The third person said I had 30 days to cancel and that the deadline to cancel had passed and that if I did not pay the fee that a punishment interest rate would be applied to my account. I asked to speak to a supervisor and was told that all the supervisors were in a meeting until after XXXX. I was given a complaint number and was told someone would contact me, but noone has contacted me.
Company Response: Closed with monetary relief
2018-05-24
DC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Complaint: I was automatically enrolled into a Rewards point sharing program between American Express and XXXX, and received the email below. I never agreed to have my information shared with XXXX or any other affiliate. By claiming this to be a " convenience '', American Express has unilaterally decided to share my information.
I had to un-enroll myself by logging onto my XXXX account.
Text of the email I received, is shown below this line " Why am I receiving this email?
For your convenience, American Express and XXXX have worked together to launch a new feature that automatically enrolls your American Express Membership Rewards card to Shop with Points at XXXX. Now that youve used your card for your XXXX purchases, you can view your Membership Rewards point balance and redeem for eligible purchases on XXXX, without the extra hassle of manually registering online. ''
Company Response: Closed with explanation
2018-05-24
CA
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: In XXXX I uploaded three checks on my American Express Serve account and money was deposited and all of sudden reversed spoke with the company and they would direct me to XXXX XXXX and XXXX XXXX would direct me back to American Express, the management of American Express Serve said they have never seen a situation like this before and never credited me my money back, and another issue I have money that was sent from one Serve Card to this same account and American Express claims I never accepted money and therefore I can't have XXXX dollars. I am so tired of calling them and getting nowhere XXXX XXXX services as well they almost seem fraudulent and I very saddened they will not give not even a penny of my money.
Company Response: Closed with explanation
2018-05-23
Tampa, 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: American Express has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with XXXX to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want American Express deleted off of my credit report and XXXX has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted XXXX is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.
Company Response: Closed with non-monetary relief
2018-05-23
Marietta, GA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem adding money
Company Response: Closed with explanation
2018-05-23
Orion Twp, MI
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/XXXX, I booked a reservation at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX through American Express Business Travel. Per the reservation confirmation from American Express Business Travel, the reservation included a no-show fee of XXXX Euros in the event the reservation was not cancelled before XXXX the day of arrival. Due to changes in my travel plans, I was required to cancel this reservation after XXXX the day of arrival and should have been charged XXXX Euros as a no-show fee. However, the hotel charged my credit card XXXX Euros without explanation for why it was in excess of the XXXX Euros outlined in my hotel confirmation. Therefore, I was overcharged XXXX Euros ( XXXX - XXXX = XXXX ). I contacted the hotel but was unable to resolve the issue due to language barriers. Therefore, I disputed the charge with American Express on XX/XX/XXXX and the disputed amount in USD was {$220.00}. American Express was unable to resolve the matter with the hotel and provided me the credit of {$220.00}. Subsequent to this resolution, the hotel charged my credit card for XXXX Euros to try and recover the amount that American Express credited me as a result of the dispute. As soon as I saw the charge, I called American Express and was told I would need to dispute the charge again. I filed another dispute on XX/XX/XXXX to dispute this matter ( which was for XXXX Euros or {$230.00} in USD as of the dispute date ). On XX/XX/XXXX, American Express sent me a letter informing me that the merchant provided information to American Express and that American Express concluded that the charge was valid. However, the information provided to American Express by the merchant is not in English and does not appear to support the amount charged by the merchant. Further, it is explicit in my hotel confirmation that the charge should be XXXX Euros. On XX/XX/XXXX, I contacted American Express again to discuss this matter. I was told that I would need to file another dispute with American Express. Throughout my conversations with American Express, I have felt that the representatives I have worked with were not sufficiently competent to understand and resolve this matter. I have put forth more than a good faith effort to resolve this matter with American Express and believe my dispute is clearly supported by the facts and hotel confirmation from American Express Business Travel.
Company Response: Closed with monetary relief
2018-05-23
Seneca, SC
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: Step 1 : What is this complaint about?
I applied for the Personal Platinum Card from American Express in XX/XX/XXXX. I met the terms for the sign up bonus offer of XXXX Membership Rewards points afer spending {$5000.00} in 90 days. I have not received that bonus.
Step 2 : What type of problem are you having?
American Express is refusing to honor the terms of the offer I signed up for. Multiple representatives have claimed the offer must have included " once in a lifetime '' language and so I would not received the bonus since I had previously held the Platinum card some years back.
However the offer I signed up with did not contain such language, and I have the entire offer terms printed out as evidence.
I require that American Express award the promised XXXX Membership Rewards point. I also require that American Express stop ignoring the documentation provided. I finally require that American Express stop attempting to change the agreed to terms after the fact.
Step 3 : What happened?
I first contacted American Express about this issue on XX/XX/XXXX. The representative stated that I would not received the bonus offer since I had previously help the Platinum card. I communicated that the offer I accepted did not include those terms and I had documentation of those terms. The representative opened an investigation and requested that I scan and upload the printed out offer terms document I had. I followed those instructions, and the representative informed me the process would take 6-8 weeks.
I next contacted American Express on XX/XX/XXXX to check on the status of the investigation and the representative informed me that it had not yet been completed but would take a maximum of 6-8 weeks so I should check back again.
On XX/XX/XXXX I contacted American Express again. The agent and the agent 's supervisor stated that the investigation was still not completed despite the timeframe having passed 8 weeks. They also informed me that American Express would not notify me when the investigation was concluded, and that I would have to continue to check back regularly.
On XX/XX/XXXX I again contacted American Express. The representative again claimed I was not eligible because I had previously held the card. I noted the open investigation, and the representative 's supervisor finally looked into the investigation history and stated it had not been concluded yet despite more almost two times as long a time had passed as the 6-8 weeks maximum.
Finally on XX/XX/XXXX, I called American Express and talked to three different representatives. The final representative stated that corporate headquarters had concluded their investigation and declined to issue the bonus with no explanation. Specifically there was no reason given for their choice to ignore the documentary evidence I had provided.
I am attaching transcripts from all but the final conversation in this history since all but the final conversation were on chat online rather than by phone.
I am also attaching the offer terms I accepted.
In conclusion, despite documentary evidence being provided to detail the offer terms I received and followed, American Express has refused to issue the XXXX Membership Rewards points bonus in direct violation of the offer terms agreed to.
Company Response: Closed with non-monetary relief
2018-05-23
Branson, MO
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
2018-05-23
Lannon, WI
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/XXXX someone had fraudulently used my American Express CC and charged {$12000.00} in American Express points. I had contacted AE on XX/XX/XXXX and talked with XXXX who had stated the {$12000.00} charge would be credited and the problem would be resolved. On my XX/XX/XXXX statement the {$12000.00} charge was still on my account along with interest charges and fees. On XX/XX/XXXX I talked with XXXX at AE and she said AE would credit my {$12000.00} charge along with interest charges and fees. She stated it would take 30 days. On my XX/XX/XXXX statement the {$12000.00} charge was credited but there were interest and and fees still on the account - American Express never credited the interest and fees from the {$12000.00}. I assumed AE would credit the interest and fees. In XX/XX/XXXX I contacted AE and XXXX stated the interest charges and fees would be credited back and that my statement balance would be XXXX. She stated it would take 24-48 hours to be corrected and I would get an email showing the credits. When nothing happened in 7 days, I called AE again and talked to XXXX who stated the interest and fees would be credited and it would take 7-10 business days. In the meantime I am applying for a conventional mortgage with my husband to purchase a house. I received a call from our bank that American Express has reported me to the credit bureau and that I have bad credit. This has had an influence on my husband and I purchasing a house! I called American Express again and talked to someone who said it was the Fraud departments 's problem to fix, the Fraud department stated it was the Rewards problem to fix. I asked to speak with a supervisor - actually for the last 6 months - and finally someone gave my " case '' to a " Team Leader '' at American Express. The Team Lead called me back and said all of the interest and fees have been reversed and credited and that a letter was sent to the Credit Bureau stating that but that it would take 30 days. I don't have 30 days - for getting my loan I need this resolved ASAP. My latest statement XX/XX/XXXX states I owe {$250.00}. I also received a letter from American Express that they are closing my account. I need a letter for my bank stating the charges were in error and have been reversed - it was not my fault - and that I have good credit!
Company Response: Closed with monetary relief
2018-05-23
Temperanceville, VA
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 use this card to rebuild my credit and I have my payroll and income taxes come to this card. The beginning of XXXX I had fraud on my card I was notify by text and I went online and saw my card was used I immediately contact the company and told them to stop the charges or do not let them go through they told me it was nothing they could do until it post but not to worry on a recorded line I would get my money back I have over 1000s of dollars deposit in this account monthly. I call and email this company everyday because I needed my money. Started XX/XX/XXXX to XX/XX/XXXX for a total of XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX again this company did not investigate at all and declined my claim because I called everyday and filed a XXXX XXXX claim
Company Response: Closed with explanation
2018-05-23
Palatka, FL
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
2018-05-23
Richardson, TX
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: American Express openly admitted to " Closing an account that supposedly they have the assumption i opened. '' Firstly the address that is in their response letter that they stated they sent to me is not my address. I have not ever lived at XXXX XXXX XXXX in XXXX TX. Nor have i ever applied for any American Express online. I am reporting this as identity theft as i never opened any American Express account online, i never applied for any American Express cards. Never received any letters from your institution warning of " Dispute billing abuse '' never once received a call. I have never called in to your institution you have no proof of any of these accusations. You stated the " Caller '' verified my phone number and asked to be reinstated, I wouldn't have called in to your company asking for any card to be re instated that i never opened in the first place. Nor would i verify my phone number. Again this fraudulent person committed IDENTITY THEFT. I am going to attach the FTC report to this CFPB case since you continually avoid facts that i am providing to you. You never provided resolution, did not actually research this issue. I never made payments to the account, nor did i ever initially receive any cards from your institution. I don't dispute things with cards i use. So again that would have to have been the fraudster disputing items. You never called my phone to notify me of anything, i never once received any letters or calls from your institution. I have found out just recently from your customer service agent about this account that was opened in my name like you stated " ONLINE ''. You continue to inaccurately report this and abuse the FCRA. So if you warned anyone of any of these " Disputes '' where did the letters go? I never received anything from your institution, yet you state you verified i did. Clearly your evidence is false and you are falsely providing accusations.
Company Response: Closed with explanation
2018-05-23
Charlotte, NC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I have had an AMERICAN Express XXXX Skymiles card for just under 20 years. Last week I received via postal mail a letter stating my XXXX skymiles card was going away and I would be moved at not cost to me to the Gold card. The funny thing about the letter was it stated that the current card was free. I was pretty sure I pay {$50.00} bucks a year for a fee. Well today I get my monthly bill and sure enough I have a {$50.00} fee for annual fee.
I decide to click on card options and the exact card I have is showing on the AM X web site while I am logged in as carrying NO FEE.
I did an online chat and it only left me more confused as the agent told me that the no fee card was going away and starting next year I would pay the XXXX fee for the gold card. Yet the card I currently have is listed and shown exactly as mine available at NO FEE. So if I am being charge {$50.00} then it is not a free upgrade. I also understand that XXXX apparently made my card free last year yet they still charged the {$50.00} annual fee last year.
I asked if all customers were paying for the free card and was told during the chat yes you are all be treated the same.
I am pretty certain if you were to go to AM X and click on various cards and pull up the XXXX card you would also see that it clearly states NO ANNUAL FEE. So makes zero sense.
Company Response: Closed with explanation
2018-05-23
Audubon, PA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2018-05-23
Bloomfield, NJ
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 monetary relief
2018-05-22
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-05-22
Brooklyn, NY
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I called American Express on XX/XX/2018 because I was unable to make payments because of their system.
When you add a new bank account, it is probationary ( but not mentioned that it is ) for 30 days and their system only allows you to make limited payments. Because I was unable to make payments with their banking system, my credit card became over the limit which negatively affected my credit score.
I called their customer support who stated that they were unable to help me and that " everything looked fine from their end '' and my account was not delinquent.
I have been an American Express customer for 7 years and have never had any previous credit cards enable this restriction on bank accounts.
Company Response: Closed with explanation
2018-05-22
Gretna, LA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I settled a debt with AMEX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency XXXX ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call AMEX because the file is no longer with them. I called AMEX and was told to call XXXX. I called XXXX and was told to call AMEX.
Company Response: Closed with explanation