Date Received: 2023-10-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have 3 American Express gift cards worth {$300.00} and they will not work, they keep getting declined.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: American express is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received four emails notifying me that my American Express cards were being canceled. No explanation was provided in the email. I had to call AMEX for an explanation letter. I received a letter dated XX/XX/XXXX, suggesting that my accounts were closed due to abuse of billing errors. I never abused the billing error process. When I contacted AMEX regarding billing errors via phone or chat online, I had the assistance of representatives aiding me with filing a dispute for the vendor to pay. My account was credited at times when I only wanted the vendor to credit the account through an investigation. AMEX can review the online chats and telephone conversations. On XX/XX/XXXX, I received a letter apologizing to me for failing to dispute a charge. The charge was credited to my account along with interest and other credit adjustments.
Company Response:
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I filed a police report over a year ago when my wallet was lost in XXXX XXXX. My report number is XXXX and since losing my wallet which contained my ID and SS card, I have had multipule Credit Cards opened in my name and have acquired a large amount of debt. I did not autherize the use of my SS # and my personal information to open new lines of credit within the last 24 months. I just pulled my current Credit Report and i found a bunch of inaccurate information! According to the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) ( 15USC1681-1681u ) which federal legislation gives consumers the right to dispute incomplete or inaccurate information. My current report is reporting inaccurate addresses and personal information that is linked and connected to credit card accounts in which i did not authorize! Inaccurate Info ; XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, NV XXXX These are the accounts that are reporting inaccurate information. I do not have any affiliation with these nor did I authorize my SS # to be used. Amex ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I received an American Express e-gift card in XX/XX/2023 and activated it almost immediately. I tried numerous times to use it at many online merchants with varying purchase amounts, but it continuously gets declined. I called the customer service number listed on the original email, but there is no option to speak with a human and the automated system only tells me to do what I've already done over and over again. No practical option for a resolution. I've done endless research online to find a solution, but get much of the same useless information. I've been doing everything right for 7 months now and yet I'm still sitting on a gift card that reflects the initial {$100.00} balance. I just want this stupid card to work so I can use up the balance, move on and warn everyone I know NOT to buy one of these unusable pieces of XXXX!
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express Companys closure of my account ending XXXX has violated my consumer rights under the Consumer Credit Protection Act, specifically the ; Equal Credit Opportunity Act, Fair Debt Collection Practice Act and the Fair Credit Reporting Act. On XX/XX/2023, American Express CompanyXXXX ( further referenced as Amex ) was mailed a copy of a, Notice of Dispute and Verification of Alleged Debt- ( further referenced as Exhibit XXXX ). On XX/XX/2023 the notice was delivered to American Express Customer Service XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] via certified Mail # XXXX XXXX XXXX XXXX XXXX and signed by XXXX XXXX on return receipt # XXXX XXXX XXXX XXXX XXXX XXXX - ( further referenced as Exhibit XXXX ). Amex failed to dispute the account in accordance with the Fair Debt Collection Practice Act- ( further referenced as FDCPA ) and the Fair Credit Reporting Act- ( further referenced as FCRA ) specifically by not reporting to the credit reporting agency that the account was being disputed shown in a credit report requested on XX/XX/2023 from XXXX, personal information has been redacted for privacy- ( further referenced as Exhibit XXXX ). They also failed to send verification of the account in accordance with the procedures of federal law. On XX/XX/2023 Amex was called approximately XXXX eastern standard time, in reference to why a duplicate billing statement had been sent, a few agents were spoken to, one agent by the name of XXXX said that the account was being investigated about dispute starting on XX/XX/2023. A letter indicating that the account is being disputed/ investigated was requested and the agent refused to have one sent and said a verbal acknowledgment should surface, which was then communicated that it was not and written communication is mandatory and only form of communication authorized. A notice from Amex dated XX/XX/2023 of cancellation of account- ( further referenced as Exhibit XXXX ) was received and the communication violated the FDCPA. A response to notice of cancellation was mailed to American Express Customer Service XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] as instructed as the location to respond, on XX/XX/2023 via certified mail # XXXX XXXX XXXX XXXX XXXX and received on XX/XX/2023 by an agent a duplicate is produced- ( further referenced as Exhibit XXXX ) The contents of Exhibit XXXX were to give Amex a notice of violations. As the consumer it was expressed that ; Amex failed to follow the proper adverse action procedure as defined in section 15 USC 1691 ( d ), they also failed to give specific reason for adverse action in accordance with 15 USC 1691 ( d ) ( 3 ), Amex failed to give prior notification in accordance with 15 USC 1693c ( b ), specific reason for adverse action was requested, verification of the account per 15 USC 1692g ( a ) ( 4 ), the name and address of the original creditor per 15 USC 1692g ( b ). The next communication received was from Amex dated XX/XX/XXXX, XXXX ( further referenced as Exhibit XXXX ). This communication also violated the FDCPA. Specifically as follows ; Exhibit XXXX Page 1- 15 USC 1692d ( 4 ) - by stating : You have 14 days to avoid a collection agency or possibly an attorney... If sent to a collection agency, they will contact you for payment To avoid this pay the past due amount Exhibit XXXX Page 1- 15 USC 1692e ( 5 ) - by stating : If it is sent to an attorney, they may take legal action to recover the full amount Another communication was received from Amex XXXX XX/XX/XXXX, XXXX ( further referenced as Exhibit XXXX ) demanding a response by XX/XX/2023. Both last communication from Amex were received on XX/XX/2023. These communications show that they are in the habit of using abusive language, harassing methods and are unwilling to respond to the communications requesting the account information. Amex further violates the consumer rights of the FDCPA per 15 USC 1692e ( 11 ), when the consumer applied on the application there was no indication that the information was going to be used to collect an alleged debt. All communication from Amex is in violation of 15 USC 1692f ( 8 ) as all envelopes received have had their logo at the top left of every envelope as shown in Exhibit XXXX. " Fair access to credit is crucially important for building and strengthening household financial stability. '' XXXX XXXX XXXX CFPB director )
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I got an unsolicited mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, the customer service specialist I spoke with gave me no indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! Since then, I have called AmEx numerous times to try to resolve this, to no avail. No apology for the confusion, no courtesy discount or credit. This feels really unfair and almost exploitative. I am also currently unemployed and am taking care of my elderly parents. On top of that, my good credit score has been impacted by this. Please help!
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have three complaints with American Express. Their Customer Service Department failed to ( 1 ) eliminate a {$29.00} Late Fee, ( 2 ) reverse {$6.00} in Interest charges, and ( 3 ) was either unable or unwilling to inform me whether any Delta Miles were added to my account from my XX/XX/ use of the American Express charges for the multiple services I used the credit card as payment for in the billing cycle ended XX/XX/. I paid American Express {$1300.00} on XX/XX/ which was indicated as being posted onXX/XX/XXXXon my next statement, as payment in full for the {$1300.00} balance on my XXXX XXXX statement. I have never been late with any previous payments, always paying my bill " In Full '' each month. Their XXXX statement for the following month showed my payment received, but charged me the above fees and indicated I would have to pay {$35.00} to reinstate my " earned '' mileage. This XXXX statement, which indicated an XXXX XXXX close date, was not sent to me. American Express emailed me on XXXX XXXX that the statement was available for me to LogIn to review.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023, I went on the American Express chat to see if I had any available promotions or product benefits, As a general question I asked the chat support if there were any promotional credit line increases available, and they asked to obtain information about my total annual income, I replied with the income amount as well as if this is gon na be a hard inquiry, I was then told for that matter I would have to check the dedicated team and agent tried to submit my request but was currently denied, I responded with why did you submit if I did not give you consent, and all you did was ask for my total gross and did not confirm if I consented and agent did not follow policy and submitted without my consent. I have had several complaints/claims opened and in each one, I was told they were closed as there is no resolution for what was done.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This companies listed accessed my credit information. I have never applied anything from this companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A