Date Received: 2023-11-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I acquired an American express gift card for {$50.00} and I can not use it anywhere online. I do not have the physical card and its a 15 digit number instead of 16 like normal gift cards. Ive tried to purchase an XXXX gift card since I can not split up payments there and it would not go through. So I tried to just buy what I wanted that was less than the {$50.00} ( including taxes, and fees ) by about {$3.00} and it would not go through. I tried using it on XXXX with {$20.00} less than the limit, and it still would not go through.I called customer service twice and they were not helpful at all and just told me that where I was trying to use it wouldnt take it and I got no solutions from them. XXXX charged me XXXX and XXXX I believe XXXX or XXXX. I can not remember right now. I was told would be refunded back to the card in 7 to 10 business days. the reason I picked that card is so I could use it where I wanted and was not limited to a certain store but now I cant use it anywhere.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a {$50.00} American Express gift card from XXXX. Tried to use it and every transaction keeps getting declined. I tried to use it on XXXX, pay towards my internet bill, pay towards electric bill, and XXXX 2 more times. I called the number on the card and no option to get a customer service representative. I log in to check the balance and it says the card is active but it has now taken XXXX cents for every declined transaction. So now it has {$49.00}. I found a different phone number and spoke to someone and they said just keep trying different vendors or in person purchases.
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: To Whom It May Concern, I am writing to file a complaint regarding an unfair reversal of a retention bonus statement credit by American Express for my Platinum account ending in XXXX. On or about XX/XX/XXXX, I was offered a {$550.00} statement credit by an American Express customer service representative if I met a {$4000.00} minimum spending requirement within 3 months. According to my calculation, I met this requirement within the timeframe on XX/XX/XXXX, and the statement credit was applied to my account the day after. However, over XXXX months later on XX/XX/XXXX, American Express abruptly reversed this credit from my account. When I inquired, I was accused of " gaming the system '' because the XXXX XXXX merchant return was posted on XX/XX/XXXX instead of XX/XX/XXXX when the purchase was made. This return was due to a merchant error - I had to return an item and repurchase it when the merchant made a mistake in processing it. I completed this return and repurchase in good faith and met the {$4000.00} minimum spending as agreed. I find it unacceptable that American Express waited over XXXX months to reverse this credit without any notice. Their accusation of " gaming the system '' is baseless, unfair, and adds insult to injury. I fulfilled my end of the retention offer agreement in good faith. American Express failed to honor their end of the agreement and unjustly reversed the credit I earned. Thank you for your consideration. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I successfully disputed over {$77000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I successfully disputed over {$4000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I successfully disputed over {$25000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received the AMEX electronic gift card through my employer as part of incentive bonus that the company was having. The gift card was sent to me on XX/XX/2023. At first I was able to use it just fine and was able to use about half of the gift card. But after a while the gift card stopped working and I was not able to use it at all. There's {$750.00} left in the gift card. I have tried contacting AMEX customer service but I have not been able to talk to a real person all of the times that I have tried.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a late fee and I don't understand why ; I don't think it was disclosed in the cardmember agreement.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: A XXXX free night award certificate that American Express has promised would be deposited into my account has disappeared from my account. On XX/XX/XXXX, I filed a CFPB complaint # XXXX against American Express because a hotel certificate that should come with my XXXX XXXX XXXXXXXX American Express Card disappeared from my account after I contacted customer service. On XX/XX/XXXX, American Express responded that a free night reward certificate with a redemption level at or under XXXX XXXX XXXX points has been deposited into my account with an expiration date of XX/XX/XXXX. However, this free night reward certificate once again has disappeared from my account when I am ready to use it.
Company Response:
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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: I rented a car from XXXX via my American Express XXXX card on the American Express Travel website for a trip to XXXX in XXXX. At the airport, we found the XXXX area, and began working with XXXX, a bilingual man who spoke with us in XXXX. He was friendly at first but quickly pushy when it came to adding extra insurance, until I finally agreed to pay for it after probably more than half an hour of excessively pressuring back and forth. When we went out to do the walk-around inspection, he was generous in noting anything I found, but when he went back inside to " write it up, '' I waited for another more than 15 minutes or so before I went back in and found he was instead helping another couple of customers. He then said something to me in XXXX, before realizing I didn't understand, and then ( in XXXX ) told me I could wait outside and he would be right with me. After another five or ten minutes he finally came out, signed my copy of the receipt, and told me at least XXXX times to apologize to my wife for him. Fortunately we were not in a rush, but it was still a very poor first experience in XXXX, where adding insurance was extremely pushy and basically lying to me about my AmEx XXXX insurance coverage ( he should have just said he did not know, and not lied to me ). The final paper I signed also was in XXXX, and specifically mentioned over XXXX euros as a hold, which is excessive based on other companies ' rates. No one gets a hotel room expecting to be made fearful about unexpected charges after checking out, but that is exactly how I was made to feel. When I was shown the printout, I pointed out that despite our entire conversation being in XXXX, this was in XXXX. Sam assured me that what was shown to me on the computer screen immediately before it was printed would be exactly what I would pay ( assuming I filled up the car before returning it obviously, which I did ), and to not worry about the large amounts shown here, and to just ignore them. At no point was I told about, asked about, or explained to that there would be an additional driver charge, and my wife did not at any point agree to or say she would be driving ( nor did she want to, as I am a much more experienced driver ). He flat-out lied to me and put the charge on there for an additional driver, after repeatedly assuring me all the costs would be as previously discussed, and rushed me through signing. He also lied to me about the insurance coverage that my XXXX card would have, but I take responsibility for not doing my research on this before arriving ( although I booked this rental through the American Express Travel website, and would expect a much better explanation there to explicitly deny any additional insurance unless specifically desired on a case-by-case basis, to help avoid and/or encourage this type of misleading upselling from car rental merchants ). This was deceitful behavior from a merchant, and I fully expected American Express Platinum to have my back on this and credit me as previously discussed. Upon our return, on XX/XX/2023 we received the final bill and the charge on my card, which was substantially higher than what I had agreed to and been assured it would be. After thoroughly reviewing the invoice ( which was still in French ), I found that they had charged me for an additional driver, which I was not informed about and DID NOT agree to. That is what I disputed with American Express, and have since spoken at length with multiple representatives in the dispute process over the last several months since then, included documentation, and thorough explanations. I was just now ( XX/XX/XXXX ) rebilled for the partial charge a third time ( previously on XX/XX/XXXX and XX/XX/XXXX ). They do not seem interested in resolving the issue for me despite how much time I have spent on explaining it and gathering documentation, and it doesn't even seem like an actual person is looking at my dispute information. It is not a large amount of money, but the principle of the matter at this point. I have included a pdf of the invoice I was given and signed at the time of the rental. I did not have internet at the time so I was unable to translate everything on the invoice then and there. Thank you.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A