|
11682532
|
2025-01-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
11077011
|
2024-12-08
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-08
|
| Complaint What Happened |
Hello!
I was checking my credit report for the first time in a while and I noticed that there were a large amount of inquires that were not completed by me which is fraudulent and I would greatly appreciate if they could be removed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8294848
|
2024-02-06
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-02-06
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-06
|
| Consumer Consent Provided |
N/A
|
|
|
11763259
|
2025-01-24
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11363043
|
2025-01-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-04
|
|
|
11441735
|
2025-01-08
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
Gift card
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
|
|
11474200
|
2025-01-10
|
Fees or interest
|
Credit card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
|
|
11655129
|
2025-01-17
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
Gift card
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
|
|
11526275
|
2025-01-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
|
|
11592881
|
2025-01-20
|
Trouble using your card
|
Credit card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
11465782
|
2025-01-10
|
Trouble using your card
|
Credit card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
|
|
11486797
|
2025-01-13
|
Getting a credit card
|
Credit card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Application denied
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-13
|
| Consumer Consent Provided |
Other
|
|
|
10056649
|
2024-09-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-06
|
| Complaint What Happened |
Fraudulent inquiry on my credit report On authorize uses
|
| Consumer Consent Provided |
Consent provided
|
|
|
11828771
|
2025-01-29
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2025-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-30
|
|
|
11662482
|
2025-01-17
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
|
|
11356933
|
2025-01-02
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2025-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-02
|
|
|
11123516
|
2024-12-13
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
11261798
|
2024-12-25
|
Problem with a company's investigation into an existing problem
|
Credit card
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-25
|
|
|
11045555
|
2024-12-04
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Complaint What Happened |
Nine charges on my card in early XX/XX/year> were not made by me. All charges were made in North Carolina. I live in Connecticut. AE credited my statement with seven charges. The other two they said the card was present.
I only have one card, which was in my possession the entire time in CT.
I have not authorized anyone else to use my card. AE is requiring me to pay these bogus charges.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8163136
|
2024-01-16
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-01-16
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-16
|
| Consumer Consent Provided |
N/A
|
|
|
11166439
|
2024-12-16
|
Getting a credit card
|
Credit card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Sent card you never applied for
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
|
|
11155393
|
2024-12-14
|
Trouble using your card
|
Credit card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-14
|
|
|
11151029
|
2024-12-13
|
Other features, terms, or problems
|
Credit card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Problem with customer service
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
10943420
|
2024-11-27
|
Trouble using your card
|
Credit card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Credit card company won't increase or decrease your credit limit
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-11-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11054915
|
2024-12-06
|
Getting a credit card
|
Credit card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Application denied
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10539890
|
2024-10-22
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-22
|
| Complaint What Happened |
I have tried multiple times to use the balance of this American Express pre paid gift card and for some reason it doesnt not work at numberous merchants online or in store
|
| Consumer Consent Provided |
Consent provided
|
|
|
10910574
|
2024-11-23
|
Other transaction problem
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Other transaction problem
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
International money transfer
|
| Date Received |
2024-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7941132
|
2023-12-03
|
Closing your account
|
Credit card
|
|
| Issue |
Closing your account
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Company closed your account
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-03
|
| Complaint What Happened |
___________________________UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS, EQUITY AND INTEREST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT I AM FULLY AWARE THAT AMERICAN EXPRESS HAS OBTAINED MY ORIGINAL CREDIT CARD AND HAS OBTAINED MY CREDIT CARD APPLICATION WHICH HAS BEEN SECURITIZED AND AMERICAN EXPRESS HAS A OBLIGATION TO PERFORM UNDER THE TRUST INDENTURED ACT OF XXXX AND SECURITY EXCHANGE ACT OF XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DESPITE UNLAWFULLY CLOSING DOWN MY ACCOUNTS OVER ALLEGED MONEY AMERICAN EXPRESS " DID NOT '' LEND TO ME AND CAUSING ME MASSIVE FINANCIAL HARM AND CHARACTER DEFAMATION, AMERICAN EXPRESS HAS DENIED ME MY RIGHT OF ARBITRATION AND HAS FAILED TO RESPOND TO MY CONDITIONAL ACCEPTENCE WHICH AMERICAN EXPRESS RECEIVED AND ACCEPTED UNDER THE POSTAL RULE BIENG NOW IN DISHONOR. NOTICE IT IS FACT IF AMERICAN EXPRESS DOES NOT REINSTATE MY ACCOUNTS AND CONTINUES TO BENEFIT FROM MY SECURITY WITHOUT GIVING ME ANY BENEFIT THAT IS AUTOMATICALLY A VIOLATION UNDER 15 USC 1644 AND SECURITIES FRAUD WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO REGULATE VIOLATIONS.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7766662
|
2023-10-28
|
Closing your account
|
Credit card
|
|
| Issue |
Closing your account
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Company closed your account
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-28
|
| Complaint What Happened |
-- -- -- NOTICE TO AGENT IS NOTICE TO PRINCIPLA-NOTICE TO PRINCIPAL IS NOTICE TO AGENT. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your behavior in this matter in marking these complaints as DUPLICATE to have the CFPB close them automatically is very DECEPTIVE, FRIVILOUS and DONE IN BAD FAITH -- -- -AGAIN this is not a DUPLICAT COMPLAINT I repeat -- this is not a DUPLICATE COMPLAINT. Your responses and behavior in this matter are being recorded and kept as exhibits. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- Dear AMERICAN EXPRESS XXXX XXXX XXXX - Asset-Backed Securities -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - AMERICAN EXPRESS has committed Securities Fraud under the Security Act of 1934. I have exercised my GRANTED RIGHT OF CREDIT as defined under 15 USC 1602 with AMERICAN EXPRESS for the purpose of an extension of my own credit I being the Original Creditor and Credit Card Holder as CONGRESS defined under 15 USC 1691a. AMERICAN EXPRESS has acquired my CREDIT CARD defined under 15 USC 1602 for the purpose of to extending to me my own credit and nothing more. AMERICAN EXPRESS has obtained real lawful money in commerce via a Finance Charge and Credit Application ( ASSET/SECURITY ) and yet has discriminated against me by denying me a right to credit within the banking system. AMERICAN EXPRESS continues to obtain my Original Credit Application ( ASSET/SECURITY ) and CREDIT CARD, but continues to discriminate me and voluntary furnish false statements about me to my reputation harming my character and my federal right to extend my credit within the banking system which I have been discouraged and suffered a loss of confidence in due to AMERICAN EXPRESS XXXX Multiple attempts have been made to settle the matter in Good Faith before escalation and AMERICAN EXPRESS has continued to violate me and ignore all attempts claiming they have the lawful authority to deny a federal right and shut down all my accounts. AMERICAN EXPRESS was presented with a Affidavit Of Truth and a Pre - Arbitration Settlement Request and was given until XX/XX/XXXX to respond accordingly. Notice it is fact AMERICAN EXPRESS has ignored its Arbitration Laws, has ignored and failed to properly respond to the Affidavit and continues to disregard the severe issue at hand. Hence AMERICAN EXPRESS has committed Securities Fraud and refuses to perform accordingly under its fiduciary and Trust duties a IRS Form 211 and 3949a will be filed against AMERICAN EXPRESS. Notice it is fact AMERICAN EXPRESS is DEMANDED under TURHT IN LENDING to provide SPECIFIC DISCLOSURES to, me the consumer at application such as MY RIGHT TO RECISSION under 15 USC 1635 with 3 days after application. Notice it is fact AMERICA EXPRESS has failed to provide me this right there for under TRUTH IN XXXX the dead line for recission is now 3 years. I HERE BY EXERCISE MY RIGHT TO RECISSION AND DEMAND AMERICAN EXPRESS TO RETURN TO ME MY " ORIGINAL '' CREDIT APPLICATION
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| Consumer Consent Provided |
Consent provided
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10954680
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2024-11-26
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Struggling to pay your loan
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Payday loan, title loan, personal loan, or advance loan
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| Issue |
Struggling to pay your loan
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| Timely |
Yes
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| Company |
AMERICAN EXPRESS COMPANY
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| Product |
Payday loan, title loan, personal loan, or advance loan
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| Sub Product |
Personal line of credit
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| Date Received |
2024-11-26
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| Submitted Via |
Referral
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-11-27
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| Consumer Consent Provided |
N/A
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6426284
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2023-01-11
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Problem with a purchase shown on your statement
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Credit card or prepaid card
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| Issue |
Problem with a purchase shown on your statement
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| Timely |
Yes
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| Company |
AMERICAN EXPRESS COMPANY
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| Product |
Credit card or prepaid card
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| Sub Issue |
Card was charged for something you did not purchase with the card
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| Sub Product |
General-purpose credit card or charge card
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| Date Received |
2023-01-11
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| Submitted Via |
Web
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| Company Response |
Closed with monetary relief
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-01-11
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| Complaint What Happened |
I have ordered hundreds and hundreds of gift cards online via XXXX on behalf of my son 's school for teacher gifts ( for our school 's parents ' association- we get donations and we purchase cards to give out as holiday gifts, end of the year gifts and raffle gifts ). Recently- we had 3 {$100.00} gift cards come back to us with fraudelent charges. They were never lost or stolen. The charges were mostly paypal charges. It's clear that XXXX was hacked and these specific cards were compromised. I purchase all of my gift cards online. When I called to get replacement cards, I was told by XXXX on XX/XX/2023 that I have to contact the vendors ( i.e. XXXX ). However, we know that will go no where and I believe that XXXX is at faulty for not having proper security. I have been on the phone now for XXXX XXXX hours on hold as no one will address my concerns. Amex needs to stand behind their product. If our cards were compromised because of Amex 's poor cyber security, I should not have to pay for it.
Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called on Wednesday, XX/XX/XXXX, XXXX 's customer service line and bounced from agent to agent I was told that they will not replace the card and instead I need to get reimbursed by the vendor. The vendor in this case were several vendors, mostly payday in small increments probably to hide the fraud and make it difficult to track. That to me is an unacceptable resolution. I will not make 30 phone calls to try to get {$10.00} back at a time. I then escalated it to a XXXX, but she also would not replace the cards. When I asked her to transfer me to her XXXX, I waited on the phone for HOURS. When the XXXX was " ready '' and my phone call was transferred, it only sent me back to the main switchboard. I was on the phone for XXXX hours in total waiting to speak to another XXXX.
This should not be my problem, I should not have to hunt down these charges. Amex should stand behind their product and send me XXXX new {$100.00} gift cards as it was their poor cyber security which compromised my cards.
Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| Consumer Consent Provided |
Consent provided
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