Date Received: 2023-10-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Dear American Express Customer Service, I hope this letter finds you well. I am writing to demand that you reopen my account immediately due to the adverse actions taken against me, which I believe are illegal and fall under the category of security fraud. As a long-standing customer of American Express , I have consistently maintained a positive credit history and fulfilled my financial obligations in a responsible manner. However, I was shocked to receive a notification stating that my account has been closed and my credit usage has been denied. " Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include : a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. a negative change in account terms in connection with an unfavorable review of a consumer 's account 15 USC 1681a ( k ) ( 1 ) '' ftc.gov I firmly believe that these adverse actions are unjustified and in violation of my rights as a consumer. Denying me the right to use my credit without any valid reason or explanation is not only unfair but also potentially damaging to my financial well-being. I demand that you reopen my account immediately and reinstate my credit usage privileges. It is imperative that you rectify this situation promptly to avoid any further harm to my creditworthiness and financial stability. However, I do understand that I have a past due balance of little over {$5000.00}. I'm prepared to make this payment as soon as I receive notification that my card has been reopened and is ready for use. I'm also requesting that all previous monthly statements be sent out to my address on file. I'm aware that you have already sent these out, but they have been misplaced and for that I apologize. Please be advised that failure to comply with this demand may result in legal action being taken to protect my rights as a consumer and seek appropriate remedies for the damages caused. I trust that American Express, as a reputable financial institution, will handle this matter with the utmost seriousness and professionalism. I kindly request that you acknowledge receipt of this letter within 5 business days and provide a written response addressing my demands and concerns. I expect a prompt resolution to this issue. Thank you for your immediate attention to this matter. I look forward to a favorable resolution and the reinstatement of my account. Sincerely, XXXX, XXXX / XXXX
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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 from my employer on Tuesday XX/XX/23 at XXXXXXXX XXXX worth {$100.00}. I tried using it at XXXX and it was declined. Tried again and it was declined. The total amount I was trying to purchase was {$52.00}. The card has {$100.00} on it. I checked my balance on the gift card and it was now {$99.00}. I immediately called American Express and the lady apologized and told me the XXXX cents would be put back on my card in 24 hours. I woke up this morning and checked the balance and now it was down to {$99.00}. I called American Express again. Second time. The guy apologized and told me to wait 24 hours. Called a third time around noon today and the lady told me to wait 24 hours. Called a fourth time, was told the same thing and finally called a fifth time at XXXX and was told the same thing and now Im messaging you.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. I will provide a summary of the issues i have encountered. 1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity. 2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs. 3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation. I believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act. I kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. I am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. Also, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. REFERECE Previous Complaint against Amex XXXX XXXX XXXXXXXX Please do not hesitate to contact me for any further information required. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. Thanks for your support and cooperation.
Company Response:
State: OH
Zip: 44202
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I first contact American Express by telephone in XX/XX/XXXX XXXX to let them know that my card was lost. I let them know that I only had 15-20 minutes available before my next meeting, and needed to get this resolved. They were ONLY concerned with trying to get my bank account information, so that they could take out whatever they deemed they needed/wanted, automatically, each month. I let them know that I would NOT sign up for auto-payments without first resolving the issue. The Rep took all of my available time with this nonsense, and I eventually had to give up. American Express has literally XXXXero way to contact their company, but by telephone. The only way to contact them through their site is if you're logged into your account, which requires you to have your card in-hand. They have zero publicly available email addresses. I spent the next 8 months reaching out via their social media accounts, and received no response. I've reached out again by telephone, with the exact same experience as the first occurence. I have even filed XXXX complaints and complaints with the NYS AG. And still, here I am, 8 months later... I don't know if my lost card, reported 8 months ago, was ever cancelled. I've never received a replacement card, which means I can not access my account or statements online. And I've received no paper statement, to verify that this card hasn't been used by someone else, since it was lost. Instead, their response to literally everything is " it might be XXXX but we only communicate or conduct business by telephone... please call us. '' Well I've done that. And every other available method of contact. I am not letting them auto debit whatever amount they want, whenever they want. Especially not when I don't even know if this card has been cancelled, or without reviewing any statement to see what the balance is or if any new charges have been made. They have done literally nothing at all to take care of this issue. All they are concerned with is getting my bank account information and automatically taking money out of it. In 8 months and being told about this issue dozens of times in numerous methods... they've never : - Cancelled my card to prevent fraudulent charges ; - Provided a new card so that I can use it or access my online account to review statements and make payments ; - Provided an electronic communication to access my online account, or ; - Provided an electronic or paper statement This is absolutely ludicrous, and I'm very seriously considering filing a lawsuit for the immense amount of time, effort, and energy that they have wasted, and for the immense amount of frustration and XXXX that they've needlessly caused. This company should not be in business. There is literally zero excuse for a company not to have done a single one of these things. In EIGHT MONTHS. Yet they keep sending those automated messages each month " just a reminder, we say you owe us $ XXXX today! ''
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: pretty much i tired spending my XXXX dollar amex card that i had gotten from XXXX but it declines on everything
Company Response:
State: OH
Zip: 45066
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
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: Hello, I previously typed up an extremely detailed complaint and my laptop battey died. I am going to keep it simpler this time. I made a purchase from XXXX in the amount of {$640.00} on XX/XX/2023. The order took two+ weeks to be fulfilled. I called XXXX daily, and several times per day requesting updates as this was an XXXX XXXX order ( Delivery was supposed to be made the following day, which is why I placed the order in the first place- I needed the order, the next day ). Each day I was given a new estimated delivery time and and another false promise/excuse for the delay. I run and own a business which heavily relied on the timely deliver of the security cameras I purchased. To make a long story short : In the end, I contacted XXXX and explained the entire situation to them, I explained that this delivery delay caused me to loose a customer loosing me far more then the cost of the goods. They accepted responsibility and offered a full refund. They said that an Email would be sent to me confirming this, shortly as the reps computer was running slow. Well, an email was never sent and since this was my XXXX time calling XXXX, I went to Amex and disputed the payment instead. Unfortunately, both attempts to receive what I was promised, a full refund, have completely failed. So, here I am, taking yet another step to yet again ask for a full refund. Amex did not research the dispute properly. Amex informed me that the order had been received and indeed, it had been received. The issue is that as a prime member, I was offered next day shipping. I did not receive next day shipping. Things happen, which I understand, so even if it was within the next THREE days that would not have been a big deal. However, this was for more then reasonable, it took over HALF A MONTH. So, in other words, I did not receive the service that I paid for as promised by the merchant. I should have been fully refunded. XXXX is a large company and so is Amex. There are recorded calls regarding this situation. XXXX promised a refund and did not deliver. My business earns {$1000.00} per day. If I am unable to receive a full refund for this transaction, i will be seeking legal remediation to recover the original transaction cost, recoded phone calls and a {$1000.00} per day for every day that the package was delayed. Please, just refund me the originals transaction so I can stop spending all my my time fighting this.
Company Response:
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received am American express gift card from work. On XX/XX/XXXX, I saw an unauthorized charge made the previous Friday ( this was Monday I called and filed the complaint ). I have made repeated calls to them and have received nothing but the runaround. I have a case number of XXXX. The latest story I am being told is that the case was closed ( with no notification ) and that it was re-opened on XX/XX/XXXX when I called once again. I am now being told that it will be another 45 days from that date for a decision. The fraudulent charge is {$300.00} and there is a small balance on the card outside of this amount. They are not making any attempt to inform me of the status or if they will even issue a new card for the balance outside of the fraudulent charge. I have confirmed my contact information every time and am getting nowhere. They were notified of the fraudulent charge while it was still pending yet they have done nothing.
Company Response:
State: MI
Zip: 49546
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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: Dear Sir or Madam : This is regarding my American Express XXXX XXXX card. I purchased an XXXX TV XXXX for my mother in XXXX and paid on XXXX via XXXX, which was charged to said Amex credit card. The total was XXXX USD. The package in XXXX never arrived and the tracking of the shipping company XXXX shows that it was sent to the wrong address ( a parcel locker or XXXX XXXX XXXX. I must have been scammed by the private XXXX seller. American Express reviewed the case 3 times (! ) and concluded each time that I must have received the item because XXXX tracking said " delivered '' although it showed the wrong address every time. The American Express dispute ID is " XXXX ''. I would like to file a complaint now because American Express is not protecting me as a consumer during my online purchases even when the seller/vendor is shipping items to the wrong address ( on purpose ). Sincerely, XXXX XXXX
Company Response:
State: AL
Zip: 35803
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX XXXX, I received a Debt Cancellation Notice from AMERICAN EXPRESS COMPANY regarding account XXXX, which pertains to my Amex Green card. I would like to assert my consumer rights : I have the right to withhold the disputed amount, and the creditor is prohibited from trying to collect any part of any required payment I believe is related to the disputed amount, including associated finance charges. The creditor is obliged to correct the billing error and credit my account with any disputed amount and related finance charges, as applicable. Furthermore, they must mail or deliver a correction notice to me. While the billing error is being resolved, I retain the right to withhold the disputed amount, and the creditor may not attempt to collect any portion of any required payment related to the disputed amount, including related finance charges. Additionally, in accordance with 15 U.S. Code 1666d, which addresses the treatment of credit balances, the creditor must take the following actions whenever a credit balance exceeding {$1.00} is created in connection with a consumer credit transaction : A. Credit the amount of the credit balance to my account ( XXXX XXXXXXXX ). B. Refund any remaining credit balance upon my request. C. Make a good faith effort to refund any remaining amount of the credit balance to me by cash, check, wire transfer, or money order if it remains in the account for more than six months, except in cases where my current location is not known to the creditor and can not be traced through my last known address or telephone number. D. Keep account open. I intend to communicate with AMERICAN EXPRESS COMPANY promptly to ensure the protection of my rights as a consumer and to address this matter effectively.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A