Date Received: 2023-11-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had an XXXX business and it fell through because I had a client XXXX at my property. so my lease was terminated. after that situation my financial situation went down the drain. and a month after that I got into a XXXX XXXX and their insurance company took 3 months to get my truck fixed. after those situation I became homeless. I had to move back home with my mother to get my life situated. mind you I'm a single father of XXXX boys.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This relates to my Amercian Express Delta Platinum Credit Card. I have been charged 2 late fees and a huge amount of interest when I paid on time. I always pay through XXXX XXXX, and I have never had a problem until recently. On my XX/XX/2023 statement, I was charged a {$29.00} late fee and {$220.00} in interest for an alleged late payment made in XXXX. This occurred again in XXXX and my XXXX bill shows a late charge of {$40.00} and {$170.00} in interest. After talking to 4 people in customer service, the last person I spoke to, a manager named XXXX, informed me that they would research it, but she did not even ask for the transaction detail I received from XXXX XXXX. I talked to XXXX on XX/XX/2023, and have not heard back from her or American Express to date. I also sent an e-mail to the American Express grievance department on XX/XX/2023, and did not receive a response. In the e-mail to American Express, I attached a transaction detail, which shows that XXXX XXXX transmitted the payment to American Express on XX/XX/2023, at XXXX XXXX The payment was due on XX/XX/XXXX. I attached a Proof of Payment from XXXX XXXX showing the payment was sent on XX/XX/2023 and processed on XX/XX/2023. I am not sure why American Express posted this payment a day late on XX/XX/2023. Clearly, this was an error on the part of American Express. Further, I attached a transaction detail, which shows the XXXX payment was transmitted to American Express by XXXX XXXX on XX/XX/2023, at XXXX XXXX Again, the payment was due on XX/XX/XXXX, and I provided the Proof of Payment from XXXX XXXX showing the payment was sent on XX/XX/2023 and processed on XX/XX/2023. Then to add insult to injury, and after paying my balance due on my XX/XX/2023 statement and XX/XX/2023 statement, BOTH OF WHICH WERE PAID IN FULL AND TIMELY, through the online payment system for American Express, I was still charged interest on my XXXX and XXXX bills. I called customer service and was told this was some type of continuing interest. At this point, American Express has improperly taken {$660.00} from me. It was {$780.00}, but one of the managers, XXXX, gave me a credit of {$110.00}. The customer service representatives can not do anything since they are bound by what is in their system. I even talked to the 2 managers, who also could not do anything, and had no leeway to refund my money, except XXXX did give me a credit of {$110.00} ( I am not even sure what this amount was based on ). There is no appeals procedure and no one to provide my evidence to at American Express. I googled how to contact the grievance department and sent an e-mail with my proof attached, as I stated above, I have not received a response. I pay my credit card bill off every month and never pay interest. I went on a big trip over the summer and have spent a huge amount of money on my XXXX American Express credit card and yet they will not assist me in any way. I spoke to a manager at XXXX Bank, and he told me that American Express is getting the payment and posting it late, then charging me a late fee and interest. I want my money refunded.
Company Response:
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have contacted American Express rewards program more times I can count, at least 10 times. My father had enough points to request 2 {$500.00} XXXX XXXX XXXX, per the customer service rep. the first five times I requested the gift cards, starting in XX/XX/2023, I received a generic back office reply stating that I did not submit all of the information. Customer service, the only department I could speak wtih, could not clarify what information was missing, and I had submitted all requested documents, including my dad 's will, my dad 's death certificate, letters of office stating that I could act as an independent co-executor, and details of the redemption request. Finally in XX/XX/2023 my attorney got involved, and Amex requested that I get my siblings to also authorize the redemption. When that was finally completed, I received a letter back that the gift cards were not available. When I recently called they indicated that that program went away in XX/XX/2023, and now I could only get Amex an gift card for {$500.00}, half the value of the original promised redemption and all notes are on our record that document the numerous emails and phone calls I have made to them over the past 6+ months. I have been caught in an endless customer service loop, and the value of my father 's estate should not be halved due to the original claim date. This has been an endless and very frustrating experience that has not yet been resolved.
Company Response:
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have tried to use this card three times at XXXX and once at XXXX. On all four occasions, American Express has declined the transactions. All purchases I have attempted to make have been equal to or less than {$75.00}. When I chatted with an XXXX rep, they said that it is an error with the card issuer as American Express declined the transactions. I have tried to contact american express via the number on the card ; however, it is only a recorded line with no option to speak with staff.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Applied for the AMEX Hilton Honors Surpass card in early XXXX with a Welcome Bonus offer of XXXX Points + 1 Free Night Credit after spending {$2000.00} within 3 months. I met the {$2000.00} spending limit XX/XX/XXXX. After a few weeks gone by I did not see the welcome bonus applied to my Hilton account, I gave a call to AMEX for inquiry. I was given the short answer that their policy that it can take up to 8 - 12 weeks. I ask them why other people I know that applied around the same time frame have received theirs already and their answer is they don't know. After waiting several weeks and not receiving the bonus, I call to inquire again and got the same response. 12 weeks have since passed and so I call to inquire again, the rep agree that I have met the requirement but don't know why and open an escalation ticket. However, I must wait another 14 days to get a response. Anxiously, I waited 7 days and decided i'll chat with AMEX agent to check progress. Agent says she saw that an escalation ticket was open and it can take 90 days for them to resolve. So it seems an 8 - 12 weeks policy doesn't apply to everyone and after 12 weeks it can potentially take another 90 days if they do intend to resolve it at all. I am at a lost!
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied to American Express after looking over their offer for XXXX Hilton Points after spending {$2000.00} on their Credit Card. ( XX/XX/23 ). I was accepted for the offer and Credit Card via their online verification. I received the Credit Card a week later and begin purchases. I called to today to check my balance, etc and was told I was not accepted for the Hilton Honors Offer. I have spent over {$1900.00} as of today. ( XXXX ) Talk about deceptive practices. I was never informed via email, letter in the mail that I was not accepted for the offer. They did send the Credit Card but no mention of the offer not accepted. Horrible Business Practice and Very Deceptive. I spoke XXXX ( Supervisor ) at American Express and he apologized over and over but said he could not do anything about this. Thanks, XXXX XXXX
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 dispute reference # XXXX Merchandise : XXXX Dispute amount : {$930.00}, under order # XXXX Date 0 : XX/XX/XXXX, original purchase Date 1 : XX/XX/XXXX, get credit back almost instantly after submitting dispute Date 2 : XX/XX/XXXX, re-bill my account, resubmitted dispute XX/XX/XXXX, re-submitting dispute Date 3 : XX/XX/XXXX, credit back to my account Date 4 : XX/XX/XXXX, re-bill my account XX/XX/XXXX, re-submitting dispute Date 5 : Till now, requiring Amex today, saying still reviewing the dispute. Reason of dispute : Order was mis-deliverd to parking lot, while I filled my correct address indicate an home delivry with XXXX XXXX XXXX. I'm unable to find it. It misses. Delivery proof : You can see the delivery proof picture is a parking lot, not my home. Fedex # XXXX, https : XXXX? XXXX & XXXX The address I filled : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. ( The address is valid, the order also from XXXX ( XXXX # XXXX ), XXXX XXXX, and XXXX XXXX, did successful delivery. ) The response of Amex 's re-bill : In response to your inquiry the merchant has provided the charge details including the explanation of the charge as the merchant states photo evidence is of the parking area in the front of the " The Den '' which is a student housing complex and not of a roadside. My complaint : how could American Express re-bill me, even they know ( and XXXX also admitted this area is not my home, it is a parking area ) The package was misdelivered to parking lot is not right, XXXX should be responsible for their package delivery arrangement. American Express should not re-bill me, and credit me back.
Company Response:
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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: Please see my previous complaint from XX/XX/XXXX. AmEx responded to you on XX/XX/XXXX. They LIED to you ( again, the third time! ) that this Dispute was closed in my favor and that monetary relief was provided. As of today, XX/XX/XXXX, this Dispute is still " In Progress '' ( open ), and the tentative resolution date is XX/XX/XXXX! Please see the attached. How many times would you accept a lie from AmEx? PLEASE help!
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I received letter XXXX from company today dated XXXX it took months to XXXX letter, inference to CFPB ref no XXXX I'm uploading letter. Reminding you they sent a dispute paper I had to sign but when I said I didn't receive XX/XX/XXXX email. Look at reason wrong email address there wrong doing. Dispute letter was sent to right one. Come on now. They also admit there other wrong. I'm still with my money oh.
Company Response:
State: SC
Zip: 29678
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American express has a program called " Amex Offers. '' On or around XX/XX/XXXX of this year I enrolled in an offer for a 50 % statement credit on purchases made with XXXX, up to {$1000.00}. The terms follow below. Around the XXXX of that month I contacted bank to ask about a purchase with XXXX which posted and never got the credit. They advised that the credit would be issued XXXX weeks after the end of the offer period which is XXXX XXXX XXXX. I accepted this assurance and continued shipping with XXXX in spite of their higher prices, expecting to receive a 50 % rebate. The offer period ended and the credit was never issued. I contacted bank several times and was given several different reason why the purchases didnt qualify for the credit per the terms. Once I was told only XXXX XXXX XXXX are eligible ; this is a corporate card. That is false. Another time I was told that per the terms XXXX XXXX is excluded and I shipped with XXXX XXXX. This too is false. All the shipments were XXXX XXXX or XXXX XXXX which are specifically included. A XXXX time I was told that Bill Payments to XXXX are excluded. In truth, the terms specifically include that : " Offer valid on qualifying shipments paid for [ ... ] or billed to a XXXX XXXX account that is linked to your Business Card. These shipments were billed to my XXXX account which is linked to my card.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A