Date Received: 2023-11-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed on XX/XX/XXXX after completing the Financial Relief Program with American Express. I was told my account was closed due to numerous returned payments. I do understand there were some returned payments, but I was hoping this would not affect the relationship with American Express and my business. I recently had my mother pass away which resulted in me having to travel back to New Jersey, creating a loss of revenue for my business as I was not able to complete jobs. Now, my financial situation has improved and fully completed the Financial Relief Program and paid in full. After contacting AMEX, they told me my account is closed with no possibility of reinstatement. I am hoping the account could be reopened and continue our relationship with American Express, a financial hardship should not ruin this relationship as I have been a member since XXXX.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Amex Delta SkyMiles Gold credit card on XX/XX/, with an opening bonus of XXXX miles after spending {$2000.00}. However, after several months when I met the spending criteria, I still didn't get the bonus. I communicated a lot of times with Amex and they told me I'm not qualified for this bonus. However, this is not true : 1. I successfully opened it with the bonus. 2. I didn't have this card ever. Thus, I should be qualified. The most important thing, if I'm not qualified, they should notify me before approving my application. I have contacted CFPB to communicate with AMEX, and the response letter showed fake information claiming that : During your online application you were advised Based on your history with Credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. Would you like to proceed? However, during the online application, I have never been advertised with this statement. The fact is I have been welcomed by the opening bonus. So this response really hurt my heart and I'm very sad about Amex.
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023, I utilized my Amex Blue Business Plus card to refer my husband, aiming to secure a referral bonus. At that juncture, the referral bonus stood at XXXX membership points. I possess video evidence wherein my husband employed my referral link during his application process, ultimately receiving approval. Upon verification with a representative, I was informed that the referral bonus would be credited to my account within XXXX weeks. However, as of XX/XX/2023 ( four months post the initial credit card approval ), I was informed by the representative that, following an internal investigation, no referrals were used. Reiterating, I have a recorded video illustrating my husband 's utilization of the referral link and subsequent approval. The motivation behind recording this evidence stems from a prior occurrence wherein a similar discrepancy arose in my account. I aim to ensure irrefutable proof of the referral usage and subsequent approval in this instance.
Company Response:
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: American Express refused to credit my account for {$800.00} for merchandise that I purchased made. I returned the merchandise. American still expects me to pay for the charges. They have accepted and explanation from the merchant, but did not accept my explanation for the purchased, claiming they have to follow the merchant 's policy. I was told that I needed to work it out with the merchant would result in a confrontation with the employees. I am XXXX XXXX XXXX ; I should not be expected to return to the store and confront an employee to receive a refund. It was clear in my explanation to American Express that I had an allergic to the products. I tried to return the products, but the store was closed from XXXX XXXX XXXX. After several attempts I was able to return the products. But the store refused to accept the products. Claiming that they do not accept returns within after 7 days. There was a heated confrontation with the employee and my husband. We place the items on the counter and exited the store. I filed a complaint, twice with the credit card company, but I was rebilled.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: We apologize, there seems to be an issue with your account preventing access to points. Please contact the number on the back of your card to speak to a representative. [ XXXX ] That error prevents me from booking reward travel and no one at Amex seems able to fix it.
Company Response:
State: CA
Zip: 95476
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I tried to use this prepaid gift card in person and online at XXXX, XXXX, and XXXX. It gets declined every time.
Company Response:
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX, I received notification via electronic mail. In a call to Amex at XXXX on XX/XX/XXXX XXXX PM [ XXXX mins, XXXX sec ] in speaking with Fraud Division I verified that this was fraud, I was told the account was closed, and that the applicant would not be able to re-open the account. Because I inquired as to how a fraudulent entity was able to get so far as to open the account with credit alerts in place for XXXX, XXXX and XXXX [ for which I have credit monitoring ]. I was advised that Wednesday XX/XX/XXXX, I received the credit card in the mail despite that I was advised it would not be issued. When calling again at XXXX on XXXX AM [ XXXX mins, XXXX Sec ] the XXXXraud division again advised me the account could not be activated and that it was under 30 day investigation to determine how the account was opened. When I began to inquire as to how the account was opened I was transferred to the new account Bureau. The initial agent confirmed the call was being recorded and I asked how they were able to get this far without asking for verification of my identification by physical ID. The person then proceeded to read my fraud notation from one of the credit Bureau ( s ). I then asked why they did not do it. They said the called the number on file. I asked what they used to verify my identification? The agent said that all of that was destroyed. I asked if the call was being recorded [? ] to which the agent said yes. I then asked how then would you destroy information or discard that the Fraud department said it would investigate or use to investigate? He Said he followed the process which was to " call the number ''. I asked for him to produce evidence that the number was called. He then stated he could not because I closed the account. I asked to speak to a manager at which time I was sent to XXXX. I verified XXXX was recording our conversation. I again asked him to take me through the process and he gave me his assurances that Amex followed the process and then XXXX proceed to tell me I did not have XXXX Alerts on my account. He implied there are fraud alerts and their are [ implied ] separate fraud alerts. I asked whom is used in the verification and ha said XXXX. I than advised him [ as of the XXXX ] that two days after [ XX/XX/XXXX ] only XXXX XXXX had a record of the inquiry. SO if you use XXXX XXXX, how did did they not have the inquiry and XXXX did? He explained what their process was again and i asked him to repeat it for their recording. So we have XXXX Amex employees caught in lies.
Company Response:
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hi, I used my Amex credit card to purchase service from XXXX on XX/XX/XXXX. On XX/XX/XXXX, I saw there is a charge of {$150.00} from XXXX on my Amex credit card statement. Since I no longer want the service and did not want recurring charges, I tried to ask for refund from XXXX. XXXX said this charge is nonrefundable, so I filed a dispute through Amex. Amex. Amex refused to credit back my statement. My first payment with XXXX was on XX/XX/XXXX via XXXX XXXX, it was a one-time charge for the whole year service, and I did not agree on recurring charges. I hope CFPB can help me get my money back ( in the amount of {$150.00} ). My Amex dispute case ID is XXXX. Amex did not investigate the transactions thoroughly and is not trying to resolve a customers issue. Best, XXXX
Company Response:
State: CT
Zip: 06840
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: In XX/XX/XXXX, I received a plastic American Express Prepaid Management gift card valued at {$75.00}. I stored it in a safe place at home. On XX/XX/XXXX, I checked the gift card 's status online at : XXXX XXXX XXXX XXXX XXXX I saw an unauthorized charge for {$65.00} that appeared to take place XX/XX/XXXX to XXXX XXXX. I called American Express Gift Card customer service ( XXXX ) to report the fraudulent use of the gift card. I noted that the card states it is replaceable if lost or stolen. A customer service agent said she could not do anything about the charge ; she referred me to XXXX. I asked her if she will report the fraud to authorities ; she said she would report it internally. I called XXXX ; a XXXX customer service agent said she could not find any record of the charge and referred me to XXXX to file a complaint. Neither American Express Prepaid Gift Card Management nor XXXX resolved my complaint.
Company Response:
State: RI
Zip: 02879
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XXXX advertisement on their website says I could get a {$200.00} ( XXXX XXXX XXXX ) statement credit if I open a credit card, get approved and purchase a XXXX ticket with them and pay with the credit card, all was done, when I contacted the XXXX customer service, they said I should see the credit on the 3rd statement, Ive using the card for 6 months and never got the credit, called them many times and they keep pushing me around to different people, its matter of honor what they promised, thats all I wanted
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A