Date Received: 2023-11-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received an AMEX virtual gift card on XX/XX/XXXX. I first attempted to check the card balance via their website, and have been unable to do so since receiving the card, I've tried everyday for the past 4 days. Attempts to make online purchases following their directions, ( only attempt to purchase from places that require the security code, make sure the cost of the purchase is less than the amount on the card, fill in my own name/address when asked ), has always resulted in the card being declined. I called customer service for assistance, told them their website was down, and that my attempts to make purchases at XXXX, XXXX XXXX, XXXX, and XXXX were all declined. I was told that everything was fine on their end. I asked what is the resolution for when their gift cards aren't working, I was told to continue to try using it at different retailers and at different times, and that if the problem happened again to call back. I then asked for whatever resolution would be offered at that time to be offered to me while I was on the phone, and then realized they had not resolution. Their fix was to keep getting the card declined. In fact, the call ended when I was told, 'the card is good ma'am. '' After that call, I was able to get a {$40.00} food delivery to go through. I figured I would just use the card for food deliveries, but in trying to make another purchase the following the day, the card was declined on multiple platforms, ( XXXX, XXXX and XXXX ). I tried to add the card to my XXXX and XXXX XXXX accounts, declined. I tried to purchase a XXXX XXXX XXXX so I'd actually be able to use the money, also declined. I tried to make a purchase in-store by typing in the card number, declined. At this point there is {$460.00} gifted to me that I am unable to access and I am thoroughly frustrated by their lack of customer support or even concern. Especially since a quick XXXX search shows that many others have found themselves with a useless AMEX gift card. They need to do better.
Company Response:
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The credit bureau AND American Express or not reporting the correct balance on my credit report. It needs to be {$0.00} balance but every time I dispute with the 3 credit bureau they tell me to call American Express and ask to report. American Express still says there is a block and there is NOT. I really need for my credit to reflect the accurate balance. As American Express has already confirm the account balance is {$0.00} but not reporting it accurately.
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The credit bureau AND American Express or not reporting the correct balance on my credit report. It needs to be {$0.00} balance but every time I dispute with the 3 credit bureau they tell me to call American Express and ask to report. American Express still says there is a block and there is NOT. I really need for my credit to reflect the accurate balance. As American Express has already confirm the account balance is {$0.00} but not reporting it accurately.
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX access my credit file without permissible purpose and took action against me based on my non public information and lowered my credit limit which i had a zero balance with them at that point in time
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I applied for a Gold Amex credit card with American Express. The application resulted in a denial and a few days later I received an adverse action letter stating the reason I was denied was based on my credit score. On XX/XX/2023, after receiving my denial letter I decided to make a phone call to corporate and talk to a supervisor who also explained that I was denied my right to credit based on my credit score/credit profile. I began to ask her " Thats unfortunate could you provide the exact subsection so that I can study it myself? And could provide me with which part of the law says I have to abide by the credit score you chose to use, or that this transaction even needs to be reported? The CFPB states that credit reporting is optional. She failed to cite any federal law abiding with the " Truth In Lending Act '' and continued to repeat that it is company policy/procedure. American Express company procedure does not override Federal law. This is a direct violation of my rights as a consumer 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that American Express committed fraud and used my credit card without authority and I received no benefit. 15 USC 1692 [ a ( 3 ) ] makes it clear I can not be discriminated against for exercising my rights. In addition, after talking to a representative of the company I've also decided to write a letter to the CFO of American Express and file a complaint against the company with the Office of the Comptroller of the Currency as I have felt discriminated against and violated as a consumer.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a XXXX XXXX American Express XXXX XXXX in XX/XX/2023 and have been using it since XX/XX/2023. I did not receive the XXXX earned from spending to my XXXX XXXX account when the bill cut on XXXX and I thought its a new card maybe it will catch up next month. Incidentally my wife opened the same card in XX/XX/2023 and has received all of her miles as advertised including the promotional miles on her first bill!, so she called American Express in XXXX with just a general question and the rep said the XXXX should post to my account within 48-72 hours. It didnt happen but again I decided to wait until the XXXX bill cut and when it did there was still no XXXX. We call American express and was advised they would post to my account in a day or two. About a week or so later I viewed the statement on my app and noticed American Express had not deposited my miles earned into the wrong XXXX XXXX account, and I have no idea where they got the account number from. I called American Express back and told them their mistake and gave them the correct XXXX account number and the rep assured me the miles would be in my account within 48-72, listen to the phone recordings! That didnt happen and and I called American Express back and the rep told me it was XXXX XXXX fault and i needed to calll them. I called XXXX and they said it was American Express. I called American Express back and they then state that the miles will be posted when my XXXX bill cuts on XXXX, and that did not happen either. I spent over three hours on the phone last night mostly with American Express, i think it was a total of 5 calls, and another call to XXXX who still assures me that American Express is holding my miles for some reason and to call back and ask for a manager and/or a patient advocate or compliance manager. When I called all i got was a supervisor and had to repeat this entire situation every single time! I eventually reached XXXX who was respectful but he knew the severity of the situation and we were disconnected and he never called back and I know he has my phone number. Calle American Express back and got XXXX who was rude seemed deceptive in her answers and stated there was no above her that could help me and that anybody else was going to tell me the same thing, listen to the recordings! Then we got XXXX who was respectful but again offered no help.After all the calls and explaining the mistakes American Express has made the reps XXXX and XXXX now state that under the agreement American Express has the right to hold XXXX for review for 8-12 weeks. This is not only misleading and deceptive in my case, but it is fraudulent because I never received any XXXX because American Express initially put the miles in the wrong XXXX account for two months! Then when I made them aware of there mistake they put the hold on my XXXX going to the right account on XXXX and to date Ive had the card for almost 15 weeks and have never received the benefits advertised under the agreement. Again I never received any XXXX at all not spending miles or promotional miles and American Express places a hold on them eight weeks in to owning this card for another 8-12 weeks and now of course tells me my XXXX will post when the XXXX bill cuts. I know what the agreement says and I know that American Express has not abided by the terms of agreement in holding the XXXX beyond the 8-12 weeks, they are at fault for initially putting the XXXX in the wrong account, and they are definitely at fault for the misinformation from nearly ALL their representatives and direct lies from atleast three of them who stated my XXXX would be in my XXXX account by a certain date and were not. I need help immediately and the federal government needs to investigate immediately what American Express is doing with their customers. I should not have to advocate this hard for fair and just service as advertised by American Express, nor should the blame be continuously shifted to XXXX, nor should I spend three hours on the telephone in one night getting different answers or lies every time I call. If the XXXX dont post until XXXX that will be four total months of not being able to use the XXXX earned and that is a direct violation of the American Express advertised agreement nor should I have to pay a {$250.00} annual fee for a card that I cant use the earned benefits for an entire quarter of the year! This is fraudulent business practice!!!!!
Company Response:
State: SC
Zip: 29640
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received an email to my work email, that I never use for personal finance, that my application for an American Express card was processing. I immediately called American Express customer support to report the fraud. They denied the application. I froze my credit across all major credit unions.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a purchase or transfer
Subissue: Overcharged for a purchase or transfer you did make with the card
Consumer Complaint: Please help me with a refund for card ending in XXXX from XXXX for {$97.00}. Because XXXX XXXX XXXX XXXX charged me {$120.00} on the same card for a one night stay on XX/XX/XXXX and the people at XXXX sounded confused this time.
Company Response:
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Greetings, Please refer to case # XXXX in regards to background information on this matter. XXXX has responded to this case by closing my account and partially refund the remaining balance. On XX/XX/XXXX, I had at least {$3000.00} dollars available in my locked account. However, only XXXX was refunded back to me. {$500.00} is still being withheld by bluebird for the past 3 months. I am respectfully requesting a monthly statement for the months of XXXX thru XXXX detailing the transactions that transpired during this period. Furthermore, I am requesting that my all remaining funds be refunded back to me. I recommend that this matter be also forwarded to XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. This lack of transparency on the movement of my funds and witholding of funds for at least 3 months rises to the level of criminality.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I use American Express to the most of charges at my business, and use to pay the balance monthly. In XXXX I couldn't pay the total, so I finance {$7300.00}, and pay in full next cicle. They Charge {$390.00} wich was fine. But in the next cicle even when I paid the full amount of {$25000.00} on time, they still are reflecting {$440.00} So They are charging {$840.00} for just {$7300.00} that I miss to pay in XXXX cycle, that means almost 140 % of interest.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A