AMERICAN EXPRESS COMPANY

2019-05-22

Nyc, 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: On XX/XX/XXXX, I opened two credit card with American Express . 1. Blue Cash Everyday card 2.Gold Delta SkyMiles card These two cards had opening bonus so I applied these. 1. Blue Cash Everyday card Apply at American Express web site. Opening offer is {$150.00} ( or {$200.00} ) cash back if I spend {$1000.00} in 3 month. 2. Gold Delta SkyMiles card Referred from my friend. Opening offer is XXXX Miles if I spend {$2000.00} in 3 month. I spend eligible amount in this month but had not received any bonus ( both card ). So, I inquired by chat on XX/XX/XXXX, then American Express said I spent eligible amount but offer had declined so I could not receive any bonus.
Company Response: Closed with explanation

Timely Response

2019-05-22

Austin, TX

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Complaint: Prior to and After my Account was closed by American Express I filed several billing disputes, with disputed amounts totaling {$3200.00}. American Express failed to properly investigate these billing disputes. Several disputes filed were for hotel billing errors such as inquiry XXXX for XXXX XXXX XXXX in the amount of {$520.00}. The amount in dispute is due to an overbilling, and double billing and payment for stays made by other methods. American Express was provided ample evidence to support my claim, including documents showing stays where paid using reward points, a letter from the hotel stating a charge was made in error as the stay was paid for using reward points, a listing of my stays as reported by XXXX who managed the hotel, a letter from the hotel stating I'd receive a refund which was never provided for a night I was billed for but was not a guest and more. Provided with written documents from the hotel acknowledging and refusing to correct the billing error should have been more than enough to settle this claim in my favor. AMEX failed to correctly investigate and/or file and process this billing dispute as required by federal law, the interchange and member agreements. Claim XXXX and XXXX for the XXXX XXXX XXXX disputing {$580.00} and {$150.00} of the total charged was also not properly handled, investigated or processed. The hotel was provided with my reservations which clearly showed a much lower rate. The rate reserved was verified by two hotel representatives as being valid upon check-in. After I checked out of the hotel, however, the property changed the rate of my reservation without my knowledge or approval, demanding I violate federal in order for them to honor the agreed upon, validated and original accepted rate. American Express originally misplaced the documents provided and I re-asserted the dispute multiple times as they were closed out stating no evidence provided in error. After AMEX took their adverse action based on events of reported identity theft and closed my account. All the open disputes were closed immediately. Attempts to reopen the unprocessed or incorrectly processed disputes were closed the same day without being reviewed. Case XXXX for THE XXXX for {$720.00} has a similar case. While cases XXXX, XXXX, XXXX. XXXX totaling {$1700.00} were disputed violations of the terms of sale by the merchants in question. By refusing to accept a merchandise return, in one case literally seconds after the purchase was made in opposition of the posted and provided return policy violates the term of sale. Proof of attempted return and subsequent refusal was provided to AMEX. The Platinum American Express Card I had also provided a benefit for return protection. This benefit covered purchases which merchants failed to accept and all returns were made and reported within this time frame. AMEX refused to investigate or process this benefit or asserted billing error, closing the opened cases right after they closed the card. And on subsequent reassertions closed the cases the same day, without review. The {$3200.00} in billing errors which Amex failed to properly process or investigate represent the majority if not all the original remaining balance on my card. Which while the charges were disputed I was not obligated to pay. Despite this, AMEX failed to investigate and include the provided evidence provided or provide the benefits which were included with this card. By failing to properly process these claims, AMEX charged me fees and interest on top of fees when there should have been none and these charges refunded leaving a XXXX balance.
Company Response: Closed with explanation

Timely Response

2019-05-22

Woodland Hills, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-05-21

OH

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 flew XXXX XXXX on XX/XX/2019, My return flight on XX/XX/2019 was cancelled and I paid {$45.00} for my bags with my American Express Serve Card, I called XXXX to refund my bag fees because my return flight was cancelled, XXXX XXXX insists they already refunded my money which did not show up in my account, they said 10 days, after 10 days I filed a dispute with American Express Serve, XXXX XXXX has yet to respond to this dispute as of XX/XX/2019, Amercian Express Serve told me that I would receive a provisional credit within 10 business days, when I called them back they said my account wasn't eligible for a provisional credit but couldn't explain why, I have yet to see a refund on my card from XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-21

Lakewood, NJ

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem adding money
Company Response: Closed with explanation

Timely Response

2019-05-21

Brooklyn, NY

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

2019-05-21

Boca Raton, FL

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

2019-05-21

Philadelphia, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I tried to add money to my American Express Serve Card ending in XXXX on XX/XX/2019 but I got an error message. I called the customer service the same day to inquire about the problem. I was told that they needed to verify that I'm the owner of the credit card I'm trying to use to add money to my serve account. They sent me a link by email requesting a copy of the bank statement and my Driver 's License, I immediately uploaded the requested documents. On XX/XX/XXXX, I received another email requesting to submit a documentation to verify my address, I immediately submitted a bank statement that shows my address. I never heard back from them and I tried to add money today to my card and I got the same error message, I called the customer service again and was informed that the account is still " Under review ''. My account was charged {$6.00} monthly fee on XX/XX/XXXX. I don't understand why I'm being charged a monthly fee for a frozen account that I don't have access to it's features.
Company Response: Closed with explanation

Timely Response

2019-05-21

Ithaca, 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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-05-21

Amherst, NY

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

2019-05-21

Boston, MA

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: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : AMERICAN EXPRESS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-21

N Brunswick, NJ

Fees or interest

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

Problem with fees
Complaint: I made a payment on XX/XX/XXXX which were delivered on XX/XX/XXXX. Normally it would take at most one day for them to post, i.e., it would normally be posted on XX/XX/XXXX. However, they posted it on XX/XX/XXXX. The payment due date is XX/XX/XXXX. I even called Amex on XX/XX/XXXX to discuss this and they told me to at least make a minimal payment on XX/XX/XXXX and call back later when the interest charge is posted so that they can refund me. I called them today and they said they can not because I have a history of late payment, which, to my best memory, I made the payment on the payment due date at XXXX XXXX. This violates their regulation that I have to pay it by XXXX XXXX on the payment due date so I was considered as late payment. I would request a refund of my interest charge and additional XXXX dollars for my time calling them.
Company Response: Closed with explanation

Timely Response

2019-05-21

Tarzana, CA

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: I received a promotional offer in the mail in XXXX from American Express and was given a credit card with a {$14000.00} spending limit. I had the credit card for 1 year and AMEX abruptly without notice reduced mt credit limit to {$7000.00} in XX/XX/XXXX. I was harassed and told to pay {$3500.00} or to submit supporting documents reflecting additional income. I was never allowed to submit these supporting documents and their credit line department closed my appeal case and denied restoring my credit increase. I have called AMEX over 40 times and every time I need to explain the situation and am being told that my appeal is already closed and they can not do anything. One associate told me just simply to apply for a credit increase in which I did and was denied and given multiple reasons as to why i was denied ( the letter was generic and DID NOT specify reasons for my specific denial decision. I requested a Manuel Review and that too was denied because they were looking at information from XXXX! I have been told multiple times by AMEX employees in other countries i.e. XXXX, XXXX, that the underwriting team in the United Stated made that decisions and that that department does not nor will not speak to a consumer. Please help me! I need to restore credit limit. This has affected my life significantly. My credit score dropped nearly 100 points because of their unethical actions. By increasing my credit limit, this would allow for my credit score to go back up and allow me to buy a home for my XXXX small children and myself. AMEX has ruined my life! I was NEVER allowed to submit supporting documents. I feel bullied and emotionally have been thrown around by this credit card company and their lies of manipulation!
Company Response: Closed with explanation

Timely Response

2019-05-21

Fort Washington, 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Dear XXXX XXXX : Since I am continually receiving communications from you dated XX/XX/XXXX, this is my additional response/request to said communications. The Federal Trade Commission developed the Fair Credit Billing Act ( FCBA ). The FCBA settlement procedures apply to disputes about billing errors. The FCBA states : to take advantage of the laws consumer protection, it states what I the customer MUST do : Write to the creditor at the address given for billing inquiries, not the address for sending your payments ( this was done by me ), and include your name, address, account number and a description of the billing error. ( My dispute is - the Re-billing to my credit card of a proper credit issued by the merchant ). Send your letter, by certified mail, return receipt requested, so you have proof of what the creditor received. ( This was done by me to the address listed on the American Express statement for Disputes ). The creditor must acknowledge your complaint in writing within 30 days after receiving it, unless the problem has been resolved. ( This did not nor has it happened ). The creditor MUST resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving your ( my ) letter. ( No one from American Express signed are provided a date of receipt on the PS Form 3811, Certification of Receipt of the package in which I mailed to the address in which American Express request that disputes be mailed. Therefore the date of XX/XX/XXXX is the date of receipt ). What happens while the bill is in dispute? You ( The Cardholder ) may withhold payment on the disputed amount ( and related charges ) during the investigation. The cardholder must pay any part of the bill not in question ( I have done that, yet American Express denied credit privileges ). American Express may not threaten your credit rating or report you as delinquent while your bill is in dispute. In addition, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants who exercise their rights, In Good Faith, under the FCBA, simply put, you can not be denied credit simply because youve disputed a bill. ( American Express have failed to act in Good Faith on XX/XX/XXXX American Express denied credit privileges on this card as well as an additional American Express card where you lowered the credit limit as the letter state based of information from another creditor ( American Express themselves ). American Express also stated on the same document Your payment Due amount includes a past due amount of {$370.00} ). Those actions by American Express is a direct violation of the established FCBA. If .the bill is incorrect ( as it is ) : The creditor ( American Express ) MUST explain to you -in writing- the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees or other charges related to the error. the creditor fails to follow the procedure? ANY creditor who fails to follow the settlement procedure may not collect the amount in dispute, or related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay to anyone during the dispute period. ( American Express has failed to resolve this dispute in 2 billing cycles ). I bring to your attention once again, XX/XX/XXXX is not the date of the dispute. The official date of the dispute was and remains XX/XX/XXXX. The dispute has always been about the Re-billing by American Express Credit Card, Customer Service Department to the American Express Card. But meanwhile, I again refer to your XX/XX/XXXX letter, your statement concerning the balance on the Travel Reservation is {$0.00}. Why havent this been transferred to your billing department to zero out the Re-bill on this account, rather than you contacting me for a detailed letter describing the events surrounding the dispute. A detailed explanation should be provided to me explaining why American Express took the action in which they did to re-bill my card when the account as you state was {$0.00} I am requesting from American Express copies and answers to the following : ( 1 ) Why was {$380.00} re-billed to the account ( reference, your letter the total on my account {$0.00} ) ( 2 ) Why should I believe that you are investigating this issue when it was not done with the initial dispute was lodge ( XX/XX/XXXX )? ( 3 ) Why wasnt the certified package that was mailed to : American Express Credit Card, XXXX XXXX XXXX, XXXX XXXX, TX XXXX not signed for? ( 4 ) Why was all the information provided by me totally ignored? ( 5 ) Why was the FCBA totally ignored by the American Express Credit Card, Customer Service Department? ( 6 ) Please provide a copy of your policy concerning posting credits and debits? ( In the event I were to use the American Express Card again, I will know your process ). ( 7 ) Why did American Express re-bill the credit card holder when the merchant provided the credit. ( 8 ) Did American Express during your investigation contact the merchant for clarification of the credits submitted? ( 9 ) Please explain how 1 credit in the amount of {$190.00} posted on XX/XX/XXXX American Express re-billed the account on XX/XX/XXXX in the amount of {$380.00} ( you only had 1 credit on that date in which you re-billed ). On XX/XX/XXXX after the re-billing of {$380.00} a 2nd credit is posted in the amount of {$190.00}. ( 10 ) With the Travel Reservation balance at {$0.00}, American Express re-bill the credited amount of {$380.00}, how is this amount posted, it would cause your balance sheet to be out of balance. What happens to the funds if it was not disputed? Since you have already stated in your correspondence, the Travel Reservation account is {$0.00} why havent you removed the re-bill of {$380.00} created by American Express Credit Card Account, Customer Service Department. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Company Response: Closed with explanation

Timely Response

2019-05-20

Marvin, NC

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-05-20

Irvine, CA

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 non-monetary relief

Timely Response

2019-05-20

Fort Pierce, 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

Timely Response

2019-05-20

Lewisville, TX

Other features, terms, or problems

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

Other problem
Complaint: I have been following up with American Express for almost a month now and they have failed to issue a refund they owe me in the amount of {$19000.00}. In their letter dated XX/XX/2019 ( See Attachment ), they assured me that the refund was wired to my bank account on XX/XX/2019. IT IS XX/XX/2019 AND THEY HAVE NOT STILL WIRED THE AMOUNT TO MY BANK ACCOUNT!!!! THIS IS ABSURD!!! THEY ARE COMMITTING FINANCIAL FRAUD AND SITTING WITH MY MONEY FOR A MONTH NOW!!! I DO NOT WANT THEIR HOLLOW APOLOGIES AND PROMISES. THEY NEED TO RETURN MY MONEY IMMEDIATELY AND ALSO PAY FOR THE DAMAGES AND HARDSHIPS THEY HAVE CAUSED.
Company Response: Closed with explanation

Timely Response

2019-05-20

Brooklyn, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: After several attempts, I like to resolve this with American express themselves I was unsuccessful. Every time I called I was given false promises and it is very well-documented. It all began when I realized 4 fraudulent transactions on my American Express credit card, and in accordance with the fear credit billing act and terms and conditions from America express that I am not liable for FRAUD. Turns out, after my first call to notify American Express they did indeed give me a temporary credit until they finish investigating. However they reversed it with no explanation. I then got numerous letter from American Express that due to the nature of the fraud claim they are unable to help me ( thereby liable to pay it ).
Company Response: Closed with monetary relief

Timely Response

2019-05-20

Arlington, 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

2019-05-20

Phoenix, AZ

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

2019-05-20

TN

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: I have been with American Express Gold Rewards since XXXX. I would spend on average $ XXXX a month due to business. I have enjoyed the perks with this charge card such as their rewards program as I use my point toward travel. I had called American Express customer service with a concern regarding a charge on my card. They resolved my issue and at the conclusion of my call the customer service representative informed me that I qualify for their new blue business card it has the same perks as my gold rewards card and the benefit was that I could have financing on the card for upto 15 months interest free financing. I was very intrigued and took the offer. At no point during the disclosure did he make mention of a credit limit so I assumed I would have unlimited credit card similar to that of my gold card. As Im in the construction industry this allowed me to buy material and appliances for a house we are working on and enjoy the perks of interest free financing for 15 months and I could save the money as I would not need to pull a draw on the construction line of credit which is a very high interest rate. Around the end of the month I received a bill from American Express showing that I only has a credit limit of {$2000.00} at this point I had spend over $ XXXX on the card. Payment of the over credit limit was due XX/XX/XXXX. I had called American Express and asked if they would increase the credit line to cover the charged amount and I would pay it off as agreed if not before. They declined my request based on my credit history. THey never did pull my credit history. I then made contact with Ms XXXX and discussed their business practice and was very disappointed and she proceeded to listen to the recorded line of the credit card offer and she agreed that it may not have been clear but the representative on the phone offering me the card would not have know what my credit limit was it comes with the card when the card is mailed to me which it did not and in the card agreement I received with the card did state that the credit limit will be posted on the first month bill. They froze the blue card as well as my gold rewards card even though my gold rewards card is current. I called and was informed that I would need to enroll both of my cards into their hardship program. I had asked specific questions regarding my points/rewards and was told by a customer service representative that the rewards would still belong to be even if I had enrolled into the program I would only loose the points accumulated on the blue card. I have almost XXXX rewards that I have paid for since my enrollment into the program. I have concerns that their business practice is misleading. If I had known my credit limit was {$2000.00} I would not have gone {$15000.00} over limit. Why did the card allow me to charge that much over the limit? And why would I loose points that I have paid for over the years.
Company Response: Closed with explanation

Timely Response

2019-05-20

Irvine, CA

Incorrect information on your report

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

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

Timely Response

2019-05-20

VT

Fees or interest

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

Charged too much interest
Complaint: I requested a lower APR/Interest rate in XX/XX/XXXX. I received a generic response to my last CFPB complaint I submitted on this topic stating that APR was based on credit history and scores. I have over a 750 credit score and 100 % on time payments ; the reasoning provided in AMEx 's form letter was not responsive to my individual situation or request. I started to email corporate requesting a specific reason why I was being denied a lower APR in XX/XX/XXXX. I was told to wait for a response several times, then I was told that a lower APR was available for my account, but I HAD TO CALL AND SPEAK TO SOMEONE ON THE PHONE IN ORDER FOR AMEX TO APPLY THE LOWER APR RATE TO MY ACCOUNT. AMEX claims that this is for security reasons that I must call. I was told by the 'executive assistant ' if I would not call, that they would not apply the lower APR and they also would not respond to anymore emails. AMEX has been unresponsive to my requests to apply the lower APR for over 10 business days, despite my repeated requests to apply the lower APR to my account.
Company Response: Closed with explanation

Timely Response

2019-05-20

Washington, DC

Incorrect information on your report

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

Account status incorrect
Complaint: I was negatively affected by the XXXX XXXX XXXX. I called American Express as soon as I realized I wouldnt be receiving paychecks regularly. I continued to keep American Express updated and make payments. I was told by several American Express agents that because my account history with them is excellent that if i continued to make payments I would not have negative reporting for my two platinum cards. When I became employed again, I advised American Express that I was never reimbursed for lost wages from the shut down and I had to get a new job. I now have a new job but Id need some time to catch up. I was told that the Amex personal platinum is more time sensitive for credit reporting and the business platinum wont reflect late until at least 60 days late. I paid XXXX in the last mint to avoid negative reporting for the personal platinum card. I can pay the ENTIRE balance of both platinum cards and blue cash everyday in ten business days from today. To my surprise, contrary to what I was told by American Express reps, my card was closed, cancelled and reported to the bureaus as delinquent. With my new job ( security clearance ) this is a huge problem for me. I want to set up an automatic payment for the entire balances, have the accounts reopened ( they should have never been closed ), and my credit reporting of negative deliquent status removed immediately. Im very upset. Ive spent tens of thousands on this card and paid on time prior to the shut down only to be treated like this. I spoke with XXXX in Arizona at headquarters and he promised me Id get a call from the supervisor XXXX yet I have not received a call yet in the promised time. I need this handled immediately. All cards were canceled yet I paid on all cards to avoid this as I was instructed by the reps.
Company Response: Closed with non-monetary relief

Timely Response