Date Received: 2023-10-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/XXXXXXXX I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for 6 nights stayed in XXXX properties booked through XXXX. The reason I applied because I think the additional XXXX is attractive. XX/XX/XXXXXXXX I booked through XXXX official site & stayed for 6 nights. But never got the XXXX points. XX/XX/XXXXXXXX - XX/XX/XXXXXXXX I talked to NINE ( 9 ) different agents for this matter. At first, I was told I need to wait for 8-12 weeks to get it. Then after 12 weeks, they opened & closed 2 cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. XX/XX/XXXXXXXX I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be 6 different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with 6 paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within 1-2 days, I did everything he asked, but he never call back. XX/XX/XXXXXXXX I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXXXXXX and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I contacted American Express and told them to please have this senior collection Specialist stop calling me. He calls 50 to 60 times a day and will call back to back 15 to 20 times at the same. He also calls my business partner and does the same thing. My business partner filed a complaint, but since she is not listed on the card, you couldnt do anything, but they continue to harass her. We used {$20000.00} on the card paid {$15000.00} back as agreed and requested additional time for XXXX they taunt us tell us theres nothing we can do about being harassed. We both are trying to work and it tried to make arrangements but they wont accept the payment arrangements.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I tried to use my AMEX gift card and was declined at numerous online stores. I tried calling them and they have a pre-recorded message saying that merchants might decline your purchase because of security reasons.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received an American Express gift card for {$200.00} from a friend. The card had trouble activating and always shows an unknown error when checking the balance, and it is always declined. Ive contacted support several times, each time telling me to wait XXXX days after they request some information. Ive given them all necessary documents on XX/XX/XXXX, heard a reply asking for the same information on XX/XX/XXXX, and recently contacted support telling me to wait 30 days again. It doesnt seem like they want to address the issue and they are just stealing the money.
Company Response:
State: CA
Zip: 94555
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: From XXXX XXXX of XXXX, funds were withdrawn from my account at an atm. The bank did not notify me of these transactions that were taken from atms that has fees associated with them. On XX/XX/XXXX when an auto draft was scheduled to come out of my account for a bill, it declined due to insufficient funds. I logged into my app to see I only had about {$53.00} in my account. I immediately reached out to Bluebird by American Express to report the charges and cancel my card. I filed a dispute with bluebird which they said the investigation would take about 45 days. Less than 45 days I was sent an email that my dispute was denied and that if I wanted to request documentation of their findings I can submit a request in writing. I sent a request in writing along with a tracking number ( XXXX through XXXX ) to ensure they received it. When I called they said they never got the request but I have the tracking that shows it was delivered on XXXX XXXX XXXX. I keep filing trying to appeal their decision and request the documentation but to this day I have not got any proof. The withdrawals were not mine. I still have the card on my person and the locations were not where I am from. I have also filed police reports as well.
Company Response:
State: VA
Zip: 23323
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX This account was reporting inaccurately. Please investigate this thoroughly and remove it accordingly.
Company Response:
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I was given XXXX American Express gift cards. On XX/XX/2023, I attempted to check the balance on their website ( https : //balance.amexgiftcard.com/ # / ). However, each time I checked I received this message, " The system has experienced an unknown error. Please wait a few minutes and try to log in again. '' I tried several other times within the next few hours. I also tried calling Amex to check the gift card balance. The number on the back of the card ( XXXX ) requires a XXXX security code to check the balance, but my card only has a XXXX security code. The automated system disconnects when I entered my XXXX code. I tried entering XXXX before the XXXX code, but that also resulted in being disconnected. I tried calling Amex customer service and was able to talk to someone briefly. I explained the issue ( " I want to check my gift card balances but the online system requires XXXX security codes, but my cards have XXXX security codes '' ) and she asked for the card number. I read the card number to her and she then asked if it was a gift card. I confirmed. She said that she must transfer me to the prepaid card department. The call was transferred to an automated system that asked if I wanted to open an account or check conditions of an existing account. There was not an option to ask for a representative. Bottomline : American Express failed to provide the information I needed about my gift card balance both online and over the phone.
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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: Here is info from the website of my AmEx card statement {$53.00} Will appear on your XX/XX/XXXX statement as AMEX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX - XXXX Tags Dispute In Progress In Progress Disputed Amount {$53.00} XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Visit Business Additional Information XXXX XXXX This charge has not been refunded and was disputed, and closed without a refund by AmEx
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My name is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have been with American Express for a very long time. I unacceptable that this only company that harassed and stock clients to the fullest. I have a business credit line and business credit card with then. I have never used more than my credit limit. Never had a late payment. They are making money with me on a monthly basis with interest rate that are at the historical highest. All of the sudden if own XXXX out of my XXXX limit and they are forcing, dictating, and obligation me to pay a certain amount of money to keep my credit limit at its original amount of XXXX. This unacceptable. In the line of business they already doing it every month after I made each payment. They laugh at every hard worker XXXX. Harassing and trying to abuse of everyone when in reality they should be thankful of small business owner like myself that are working hard during these difficult times. I hope that this complaint is read, reviewed and analyzed by a bigger institution and someone has the human decency of going above and beyond to fight against this kind of behavior by this company.
Company Response:
State: FL
Zip: 33010
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A