Date Received: 2023-10-31
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$1000.00} American Express Giftcard as a part of a XXXX XXXX XXXX through my work. I have been trying to use the card on multiple online vendors, and have not gotten any store so far to take the card. This is extremely frustrating as I have now read multiple reports of people having the exact same issues and have had no luck getting them resolved with the company. In fact, many have been told to " just use it other places until you find somewhere that works ''. In my opinion this is not an acceptable resolution for this issue. Please help me get the money from this card so that I am actually able to use it. Holding money in this matter with no way to spend it when it is supposed to be " accepted virtually anywhere American Express is accepted '' is false advertising and should be criminal.
Company Response:
State: KS
Zip: 66762
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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, This is regarding what appears to be a violation of the Fair Credit Billing Act. I am an XXXX XXXX small business credit card holder. On XX/XX/XXXX I was charged {$11000.00} by a vendor with the merchant XXXX for custom-sized doors. Upon receipt of the goods, I realized they were made to the improper size ( specified in written agreement ), among other misleading/fraudulent practices by the merchant, who failed to rectify the situation. So I submitted a dispute with AmEx to get the charge refunded. I sent all requested and necessary proofs documenting this dispute to AmEx, including detailed photos and explanation of the incorrect goods. I have waited 4 months for AmEx to process this dispute ; AmEx said they were waiting on the merchant, which is a XXXX corporation and difficult to reach at times. Because of this and constant miscommunications with AmEx, I have had to resubmit this dispute several times, most recently on XX/XX/XXXX. Finally on XX/XX/XXXX, I received written confirmation from American Express ( attached ) that this dispute was resolved in my favor and that I would be receiving the credit on my account shortly, as well as email confirmation. However the next day, I received a message from AmEx saying this dispute was closed and NOT resolved in my favor, contrary to their previous confirmation. When I explained to the representative that I was already told that this was closed, they denied their previous confirmation and said it was a mistake. So I then asked them to provide documentary evidence as to why, but they did not. As of today, it appears that AmEx " reopened '' this case without providing any required and requested documentary evidence of why they closed the case against me in the first place. ( They instead request documentation from me, which has already all been uploaded as you can see under Previously Uploaded Documents. ) I request a resolution in which American Express honors their original confirmation that this dispute was closed in my favor by crediting my account for the full amount of {$11000.00}. I also request they remove any and all interest charges from this disputed amount over the 4 months its taken to resolve. Thank you. XX/XX/XXXX
Company Response:
State: CA
Zip: 92277
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am a victim of identity theft. Two fraudulent credit card accounts were opened with my personal information in XXXX, XXXX from American Express ( balance : {$11000.00} ), and the other from XXXXXXXX XXXX ( balance : {$1000.00} ). I never opened these accounts or allowed other people to open them on behalf of me. I never benefited from any of these two accounts. I am never affiliated with the addresses associated with these two accounts, and I never received any cards from these two creditors. After I discovered the fraud accounts on my credit reports in XXXX, I filed the police report and FTC report and sent them to both creditors. XXXXXXXX XXXX accepted my dispute claim. However, American Express handles the fraud case in an unprofessional and negligent way, which has tortured me for more than one year. My communications with American Express are listed below : XX/XX/XXXX The fraud account was discovered, and I started working with American Express to file a proper claim. XX/XX/XXXX XX/XX/XXXX XXXX dispute claims have been submitted with proper documentation, but all claims were denied by American Express : We have reviewed your dispute and are unable to accept your claim since you received and used the Card issued in your name.. During this period, I called the American Express fraud department countless times, and all representatives refused to provide more detailed information to explain why the dispute was denied. The cases were usually denied within 6 calendar days since they were created. XX/XX/XXXX Started working with a specialist from the American Express XXXXraud department. I provided all the information as requested by the specialist. In our last call, the specialist scheduled our next call on XX/XX/XXXX, but I never heard back from him ever since. XX/XX/XXXX A debt collection company reached out to collect the debt on the fault account. I told them that this is a fraud and the representative marked it as a fraud. XX/XX/XXXX Started working with a representative from the American Express Executive Office XXXX EXT XXXX. XX/XX/XXXX The representative advised that the claim had again been denied even after providing all requested information. The fraud team has done some research to come to the conclusion that you have benefited from the use of the card. The representative refused to provide any additional details about the research done by the fraud team and told me that this is the final decision. XX/XX/XXXX Submitted proper request to American Express XXXX but no response as of XX/XX/XXXX. Tracking Number : XXXX.
Company Response:
State: MA
Zip: 01760
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX XX/XX/XXXX- I applied for an American Express XXXX Credit Card which had a Promotional Offer of 0 % APR interest for 15 months for a balance transfers and XXXX % APR interest for new purchases for the first 15 months of opening the account. The Balance Transfer fee was XXXX %. American Express made me read the Terms and Conditions of the card and I printed them out at XXXX PM ( See Attachment XXXX ). At XXXX PM, I received an email that I was approved for the card ( See Attachment 2 ). I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged were {$120.00} and {$30.00} dollars, respectively. ( See Attachment 3 ). When I received my statement today XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$64.00} Interest and and additional {$1.00} Interest Charge on Promotional Balances, which is an additional interest charge on the Balance Transfer. ( See Attachment 4 ) I was supposed to get XXXX months, XXXX % Interest on this card for my Balance Transfer. I called American Express and told them I printed the Terms and Conditions at the time of application. The representatives bounced me around to different representatives and would not help me. I told them I was filing a CFPB complaint for not complying with the conditions they promised me.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I have many transactions that I need to dispute and they are not doing so. They have a " policy '' of up to 45 days of investigation and are completely closing them. Some transactions were completed and credited back into my account from the same merchant and others weren't. I reopened the same transactions and they completely closed the investigation and permanently closed my account without my permission. I received emails saying if I didn't request to call immediately. I called and was told it was permanently closed. I received an email after calling telling them they are in violation and were giving me a XXXX XXXX XXXX write a letter regarding my account. I have had this account for over 10 years and I do not appreciate them closing my account
Company Response:
State: MI
Zip: 49505
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for the Amex XXXX XXXX XXXX credit card on XX/XX/2023, 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 : XXXX. I successfully opened it with the bonus. XXXX. 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. Thus, I think they are cheating me and this has made my life a mess, and I'm so sad and depressed to ask for your help. Thank you so much.
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
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 have an American Express Prepaid Card that simply just doesn't work. I loaded {$300.00} Today XX/XX/2023, and I tried to use it on XXXX, wouldn't work. XXXX, wouldn't work. I call American Express customer service, and the lady they put on the phone tells me " I recommend you use a service that needs the expiration date and 4-digit security code ''. I tell her " every website has that, my card still doesn't work ''. She tells me " I recommend you go to a different merchant to make online purchases '' And I tell her again, it does not work. And she just REPEATS the same statement. 4 times. they're basically telling me to try everything and hope it works. I'm not trying to HOPE for the best when I'm using a payment method. And now I lost access to {$300.00} CASH.
Company Response:
State: MA
Zip: 01109
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: 2023-11-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: There are multiple transactions on my account that I need to dispute. Bluebird American Express has only disputed some transactions. Regardless of the reason for the merchant not wanting to dispute my transactions they are required to, it's my account. They refuse to move forward and process my disputes. I have plenty more transactions that need to be disputed. I was sent an email stating my credits were transferred per my false request. I then received and email stating that my account was temporarily locked. They had now closed my account permanently after my call telling them they violated my rights. I have had this account for over ten years and this is unacceptable.
Company Response:
State: MI
Zip: 49505
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, all the purported creditors have violated my rights. Under 15 USC, 1681, Section 602 insures my right to privacy. Under 15 USC, 1681, Section 604A, subsection 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC, 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I demand all of these unauthorized reportings to be removed from my credit record immediately. Sincerely, XXXX : XXXX, XXXX. BENEFICIARY
Company Response:
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A