AMERICAN EXPRESS COMPANY

2017-08-10

MD

Incorrect information on your report

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

Account status incorrect
Complaint: I filed for XXXX XXXX bankruptcy and included my American Express account and my XXXX XXXX Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.
Company Response: Closed with explanation

Timely Response

2017-08-10

Glendale, CO

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: This is my third report towards AMEX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that AMEX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as AMEX refused to help during the time they held my money without authorization.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-10

Jamaica, NY

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

2017-08-10

Staten Island, 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 non-monetary relief

Timely Response

2017-08-10

Ceres, 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
Company Response: Closed with explanation

Timely Response

2017-08-10

Wilmington, DE

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-08-09

Nyc, 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: Based on goods not delivered by the merchant, a dispute was submitted. Prior to submitting a dispute, I contacted the merchant to resolve. I got an email from Amex indicating that there was a secure message which I was not able to find in the site and unable to access. At this point, I used the chat feature to connect with Amex to see what they required for dispute information. The information on the dispute was generic and did not provide specific for me to action on. " We require additional information from you to resolve your claim. If you have not done so already, please provide the requested information at your earliest convenience. The Inquiry Reference Number is displayed above. '' I tried the upload but that received an error and the agent gave me another link to another page to upload which failed few times. First chat agent did not seem to understand the issue so I asked for supervisor. Supervisor asked to submit a letter detailing out the issue which was addressed in the original complaint. When I asked, there was no additional information nor there was any additional information. I did not receive specific information about request in paper mail or email asking for information. I have uploaded the letter, order, invoice with merchant note indicating not shipped, and merchant indicating they will refund missing item. Chat reference : XXXX Inquiry Ref. No. : XXXX
Company Response: Closed with monetary relief

Timely Response

2017-08-09

Alexandria, VA

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
Company Response: Closed with explanation

Timely Response

2017-08-09

Glenarden, MD

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2017-08-09

Baileys Crossroads, VA

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: American Express Serve Card Division STOLE $XXXX USD from Me on XXXX XXXX, 2017, at XXXX XXXX E.S.T. The transaction took place at XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, Tel. XXXX XXXX. Emails ( From: XXXX XXXX XXXX To: XXXX XXXX , XXXX Cc: XXXX , XXXX Bcc: XXXX, XXXX XXXX XXXX , XXXX, XXXX , XXXX , XXXX , XXXX ) were sent to the American Express Company at XXXX XXXX, XXXX XXXX 2017 to which NO ANSWER was ever received. Once again, AMERICAN EXPRESS stole $XXXX USD from Me.
Company Response: Closed with monetary relief

Timely Response

2017-08-09

TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: X/X/17 I tried to follow up with Amex to let them know I 'm trying to get my debt resolved and what I can pay. i explain to them that my business has faced a hardship and was forced to close, but i am willing to try to pay XXXX a month until the debt is resolved or i can pay remaining balance i XX/XX/XXXX. They are telling me if I do n't pay in full they will keep attacking my credit with late fees and past due payments even though i am still currently making small payments to the Closed account. I was offered 2 payment plans that were out of my budget at this time and i explained to the rep this is a closed account that i am trying to pay on i should n't be paying amounts as high as my car note to resolve this debt I 'm trying to make payments that i can follow through with and works best for me and my family cause they have to eat. so i do n't understand why they not trying to help me in my situation when I 'm trying to do the right thing and pay the debt.
Company Response: Closed with explanation

Timely Response

2017-08-09

Hulmeville, PA

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

2017-08-09

Boston, MA

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

2017-08-09

Moorpark, 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
Company Response: Closed with monetary relief

Timely Response

2017-08-09

Tarzana, CA

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 was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.
Company Response: Closed with explanation

Timely Response

2017-08-09

Las Vegas, NV

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with non-monetary relief

Timely Response

2017-08-09

Clarksville, MO

Incorrect information on your report

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

Account status incorrect
Complaint: I have been with American Express since XX/XX/XXXX. You can see from my records that I paid in full without default over these times till XX/XX/XXXX, when this incident happened. XX/XX/XXXX due to our business expansion and travel I had a shortage of cash flow and had a delay in payment. On XX/XX/XXXX a representative form American Express called about the payment delays and I agreed to make full payment in 4 installments on the condition that fees, fines and annual fees will be waived ( by this time there were fees and fines imposed ). Based on this agreement, one fourth of total amount I owed ( {$1200.00} ) was paid immediately with the customer service agent. Then I was instructed to make 3 more payments beginning of next month. I did a second payment of {$1100.00} on XX/XX/XXXX Based on this plan I was to make next payment on XX/XX/XXXX and the final payment on XX/XX/XXXX. Unfortunately, beginning about XX/XX/XXXX I started getting many calls from American Express demanding immediate payment of full amount of {$2400.00}, including fees and fines which were waived earlier by the customer service person who arranged the 4 installment payment plan. So, I decided to hold further payment until this issue was resolved, although I did make minimum payments of {$100.00} and {$200.00} each in XX/XX/XXXX and XX/XX/XXXX, hoping in good faith this could be resolved. Since then I got many threatening calls from American Express about this, none have resolved the issue. In XX/XX/XXXX I got collection notice from XXXX XXXX, agency for American Express, with a demand for payment of {$2400.00} ( which included fees, fines and annual fees ). After contesting this with the collection agency and American Express, I agreed to pay the amount of {$1900.00} once they agreed to waive the fees, fines, and annual fees. American Express also agreed to remove information posted on my credit report. I paid this amount as I agreed in XX/XX/XXXX. Then I received a letter ( dated XX/XX/XXXX, see attached ) from American Express stating that we removed the amount under review for {$1900.00} from your account. But, this has not happened since my credit report from XXXX still showing charge off, written off {$2400.00} even now. They also stated that I still owe {$560.00}, which are fees and fines, in disregard to the agreement we made. I received another letter from American Express ( dated XX/XX/XXXX, see attached ) stating that Due to technical error, we overcharged your Employee Card annual fee ( s ) and are now refunding those fees. This also not happened since all my credit reports shows charge off and balance due. Now one of my credit report, XXXX, shows charge off, balance of {$2400.00} and others ( XXXX and XXXX ) showing charge off or balance of {$480.00}, which are wrong. As you can see from the explanation above I have paid all debts due to American Express. Because of the erroneous credit report I am having trouble getting loans and declined. I request to resolve this immediately so I can be financially stable.
Company Response: Closed with explanation

Timely Response

2017-08-09

Syringa, VA

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: Was offered a American Express ( Delta SkyMiles ) promotion that promised a bonus of XXXX miles when {$1000.00} was purchased on the card within the first 3 months. The conditions were met but the bonus has not yet been received and I being told it could take 2 or more billing cycles to remedy.
Company Response: Closed with explanation

Timely Response

2017-08-09

Amherst, NY

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-08-08

Boca Raton, 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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : AMEX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Company Response: Closed with explanation

Timely Response

2017-08-08

Savannah, GA

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 was approved for American Express Delta Reserve card on XX/XX/XXXX. Terms stipulated that XXXX XXXX XXXX MQMs ( medallion qualifying miles ) would be posted to my account after the first purchase, and another XXXX Delta MQMs posted after spending over {$30000.00} on the card. I reached this spending threshold on XX/XX/XXXX. As of XX/XX/XXXX, I have received neither the initial XXXX MQMs nor the additional XXXX MQMs to my account. I spoke with an AMEX representative in XX/XX/XXXX, who said the miles should post 8 weeks after the initial purchase, or on or about XX/XX/XXXX, and another representative in XX/XX/XXXX who said that both bonuses would post after the third statement cycle. Both of these time periods have long since passed. On XX/XX/XXXX, an AMEX representative informed me that I would have to contact XXXX XXXX to inquire as to the status of the miles. XXXX XXXX informed me that they have no record of any miles posting and can not do so until they are allotted by the financial institution.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-08

Grosse Ile, MI

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: There was an unauthorized credit pull from American Express that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with American Express, XXXX and XXXX XXXX was pulled fraudulently.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-08

Barrington, CA

Other features, terms, or problems

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

Other problem
Company Response: Closed with monetary relief

Timely Response

2017-08-08

Chambersburg, PA

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

2017-08-08

Indianapolis, IN

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: There is a double payment to my XXXX from XXXX XXXX and American Express. I have filed a dispute with AMEX fort {$18000.00} and asked that the double payment be reversed. I have provided documentation showing the payment from XXXX XXXX. I filed this dispute on or about XXXX XXXX, 2017. Thus far AMEX has done nothing to reverse the charge.
Company Response: Closed with explanation

Timely Response