AMERICAN EXPRESS COMPANY

2019-10-01

Decatur, GA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-01

Astoria, NY

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2019-10-01

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble getting a working replacement card
Company Response: Closed with monetary relief

Timely Response

2019-09-30

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
Company Response: Closed with explanation

Timely Response

2019-09-30

Oxford, GA

Problem when making payments

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

Problem during payment process
Complaint: I had a balance with Amex of {$2900.00}. I submitted a payment in the amount of {$500.00} and they ran it as {$5000.00}, which is over {$2000.00} more than I even owe them. When I contacted them through chat, XXXX XXXX was unwilling to provide me the information to ensure that they fix the system error that causes them to take money that is not owed to them. I have never before been allowed by any other credit card company to pay an amount that is MORE than what I owed. They kept my money for 48 hours and were unwilling to even give me back the {$10.00} I spent to transfer money immediately from my XXXX so that I would not be overdrafted from my checking account. This conversation took place between XXXX XXXX EDT on Monday, XX/XX/19.
Company Response: Closed with monetary relief

Timely Response

2019-09-30

Altus, OK

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-09-30

Ave Maria, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: American Express contacted my father on XX/XX/2019. My father has nothing to do with my account and by contacting him is a violation of my privacy. Pursuant to my rights under federal debt collection laws, I am requesting that American Express cease and desist communication with my family and friends. American Express has my contact information and valid mailing address. I have received voicemails and statements from American Express.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-30

Ft Belvoir, VA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I found out that I am being sued by American Express through their counsel, XXXX XXXX XXXX. I contacted XXXX with XXXX XXXX to discuss settlement options on the account in XX/XX/2019. XXXX agreed that American Express would settle my account for {$10000.00} and the remaining balance on the account would be forgiven. At that time, XXXX told me to contact a fourth party, named XXXX. XXXX works for XXXX, a collection agency used by American Express ( as it was explained to me ). XXXX said I had to pay XXXX the settlement amount. Despite misgivings, I have XXXX my debut card number. My bank would not approve such a high purchase and denied the charge request. XXXX told me that XXXX would contact me with payment instructions for my account. That was the last I spoke to anyone from American Express. If I call them, and I have called both several times each, they will not answer my calls. I believe that XXXX XXXX broke our verbal contract because they will not allow me to make payments on my account, not answered.my phone calls. I also believe they lied to me regarding the terms of my account settlement for less than owed. I ended up having to make a payment to try to get the account paid off before a judgement is placed on me of XXXX
Company Response: Closed with explanation

Timely Response

2019-09-30

DC

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: In XX/XX/2019, My XXXX XXXX XXXX credit card promotion was to expire, so I went online searching for 0 % balance transfers and 0 % APR. American Express via XXXX, had just that. I applied, received the card, and on my 1st bill, I was charged a Balance transfer fee of {$89.00}. I called Amex several times to no avail. The humanbots seemed to be reading from a different script from what I read and understood on XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-09-30

Berkeley, 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

2019-09-30

Sanford, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-09-30

Wilmington, DE

Incorrect information on your report

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

Account status incorrect
Complaint: As of XX/XX/2019 XXXX XXXX XXXX has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still XXXX couldn't tell me why this is showing as an open account and that I am behind on my payments.
Company Response: Closed with explanation

Timely Response

2019-09-30

Glenarden, MD

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: These are fraudulent collection opened by someone who stole my identity. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( Emphasis added ) Therefore I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued. I respectfully request that you provide me with the following : 1. The amount of the debt ; 3. Verification or copy of any judgment ; 4. Proof that you are licensed to collect debts in Maryland ; 5. Proof that the original creditor attempted or contacted me regarding this debt ( certified mail, letter, etc ... ) I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Couple years ago, I have lost my ID along with all my information which had all 3 bureaus place a credit fraud alert on my credit as a result of identity theft. As a result, on XX/XX/2018, I have disputed with the CFPB and have all the disputed items removed from my credit report. Now, enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that claimed an Identity Theft, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. As a matter of fact, one of the disputed accounts just showed up in my credit report out of nowhere. It very reckless for reporting company to report something that was never on someone's credit report. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-29

FL

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 non-monetary relief

Timely Response

2019-09-28

Clermont, FL

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: , On XX/XX/2019 I noticed there was pending charge of a linked external account into my account i was not aware about. The charge was in the amount of {$9000.00} I contacted Blue Bird by american express they said they will try and cancel the transaction and contact the bank it was linked to. They put account under dispute and said investigation takes 10 business days. On XX/XX/2019 which was the 10 business day i contacted them around XXXX XXXX. They said i had to wait till the end of the day for a response of my dispute. They sent me an email at at XXXX ; XXXX that my dispute for the {$9000.00} dollars was declined from American Express Prepaid Card because based on their investigation they determined no error occurred and that the transaction was authorized. I have no link accounts to my prepaid I have been saving all year all banks if you are going to do a big transaction will contact you this bank did not do anything to help me from identity theft In addition I have contacted all 3 credit bureaus. I have contacted the police for Identity Theft. I had to change all passwords. The bank does not want to give me any information about the linked account nor where it comes from. they said to send a letter and they will help in the matter I really hope me writing to their fraud Department it will make a difference .They hung up the phone on me the last 3 times i contacted On XX/XX/2019. I tried talking to their representative and they put me on hold and then hung up. In addition, it made it more suspicious on their end. I am taking all measures possible I will like the only money to be back into my account. At this point you want to save for a better future and maybe buy a home and I felt as if my money was safe with them and now I am scared to even put XXXX dollars into a bank and wake up and have nothing. My direct deposit I had to cancel as well The agents answering phones were not helpful and just kept saying to wait the 10 days. I have I been a victim of identity theft someone please help me fight this dispute it is very serious and it can jeopardize not only my identity but also my credit. Is Blue Bird american Express a fraud?
Company Response: Closed with monetary relief

Timely Response

2019-09-28

Anaheim, CA

Getting a credit card

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

Application denied
Complaint: American Express only approves me for cards with a really high annual fees. They are trying to extort me for their annual fees. When I apply for a card with No annual fee they immediately decline me for the same reasons that they approved me for. I had over ten American Express cards in the past 5 years. My credit wasn't as good when they approved me for the cards previously. FICO score was XXXX when they approved me for several cards with the same info on my XXXX credit report. My FICO score is currently XXXX with same factors on my report.. And they are declining me. Most recently got declined for a Amex Cash magnet card. The cards American Express has approved me for in the recent years when my FICO score was XXXX are as follows. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Amex. XX/XX/XXXX Approved for a Platinum. XX/XX/XXXX Approved for a XXXX XXXX. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Card. XX/XX/XXXX Approved for a Gold Card. XX/XX/XXXX Approved for a XXXX XXXX Card. XX/XX/XXXX Approved for a Platinum Card. There is a trend of American Express only approving me for cards with annual fees. When I got approved for all these American Express cards my FICO score was XXXX with the exact same report on today. Only today my FICO is XXXX according to the Bureau American Express pulls XXXX FICO score base XXXX. If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. I spoke to an American Express rep on XX/XX/XXXX and the rep understood the concern and offered me to reverse the {$250.00} annual fee on my current Gold American Express card. The only reason American Express offered to do that is because what they are doing to me is wrong. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.
Company Response: Closed with monetary relief

Timely Response

2019-09-28

Arco, CA

Other features, terms, or problems

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

Other problem
Complaint: On XX/XX/2019, American Express customer service sent me multiple simultaneous emails. All the emails were entitled : Important information about your account. '' In those emails, American Express said they were, effective immediately, closing ALL of my credit card account. They closed about 6 cards in one day! I lost personal and business credit cards that I had used for many years and have been a loyal American Express customer for over 20 years. The MOST devastating thing about this was that I lost XXXX membership reward points, at a cash value of XXXX dollars. There was no explanation. We called American Express over the phone on XX/XX/XXXX and XXXX trying to get the cards open. They denied this and didn't know why the cards were closed What is absolutely maddening about this is that they also said that all of the XXXX membership reward points, points that we had earned by using american express credit cards for ALL of our personal and business purchases, ALL of it was taken by american express and wiped to XXXX. We tried to reach out on XXXX. No luck. We have also sent letter mail to american express at this address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. No luck. I understand American Express can close cards, but I believe they should give me a chance to use my membership reward points or cash them out, just like EVERY other credit card company.
Company Response: Closed with explanation

Timely Response

2019-09-28

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-28

Fitchburg, WI

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 non-monetary relief

Timely Response

2019-09-27

Bedford, TX

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: Recently, after analyzing our travel pattern, I feel that we will benefit from both Amex XXXX XXXX and Amex XXXX XXXX. So I applied for both. I was content when the pop up appeared and told me that I was not eligible for the XXXX welcome bonus points because I already have a XXXX XXXX Card. However, when I applied for the XXXX XXXX XXXX, I got the same ineligibility pop up. There was no specific reason offered. I aborted the application at that time because it seemed unfair to me. I have never had a XXXX XXXX card, and I never received any kind of bonus offer with the Amex XXXX XXXX I had ( it has since then been cancelled ). Of all the conditions I read, I should have qualified for the XXXX bonus points advertised. I then contacted Amex. After hours of on the phone and speaking to 3 customer representatives, I was not able to get a straight answer as to why. One of them filed a complaint with Amex on my behave and told me they will contact you if they feel necessary. I was not contacted. I got all kinds of replies, some was made up ( i found out later ). But one thing in common is that they all agree that they dont understand why and that the decision was generated by a computer ( huh??? ). And also that I have no one to talk to at that point and just have to take it. I am a XXXX and a responsible spender with excellent credit score. And above all, I have been with Amex since 2008, and this is how they treat their customers???!!! This is unacceptable to me and is false/misleading advertising.
Company Response: Closed with explanation

Timely Response

2019-09-27

AL

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble closing card
Complaint: I had an Amex bluebird card. I was using for direct deposit of my payroll. The company closed my card down and did not notify me. I found out when I tried to use my card and my transaction was declined. I had over XXXX remaining on the card and they havent given me my money nor am I able to contact them by phone they wont except my call says account closed send them a letter. This happened in XXXX of 2019 and its currently XXXX and still I dont have the remaining funds that were left on my account. Nor have they sent me a statement.
Company Response: Closed with monetary relief

Timely Response

2019-09-27

Brooklyn, 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: Case : XXXX AMEX closed my case without giving me a reason. I made a this complaint about an offer made publicly online and not honored. Please see all documents attached. I called AMEX ( XX/XX/19 XXXX Eastern Time ) and spoke with XXXX ( XXXX ) and later his supervisor XXXX XXXX XXXX gave me his email so I could send him my evidence, this email 's attachment. His supervisor hung up the phone. XXXX insisted that I have to spend {$600.00} in order for AMEX to honor the offer. As you can see on the attached document : TERMS, CONDITIONS & DISCLOSURES, this is not the case.
Company Response: Closed with explanation

Timely Response

2019-09-27

Memorial Square, GA

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
Company Response: Closed with explanation

Timely Response

2019-09-27

Norwalk, CA

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

Complaint: I had an American Express Serve Card with a balance of {$55.00} on it and a Bluebird card ( also from Amex ) with a balance of {$6.00} on it.American Express " froze '' both cards and refused to give me my money back.I wrote them a letter a month ago to : American Express XXXX. XXXX XXXX XXXX, Ga. XXXX. I asked for my money back. I have had no response from American Express.
Company Response: Closed with explanation

Timely Response

2019-09-27

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response