Date Received: 2023-10-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: American Express Date Opened : XXXX Balance : {$1000.00} Spoke with Amex fraud dept and they launched a investigation. I filed a police report with my local police dept XXXX XXXX. Report # XXXX.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have come to the point where I have exhausted all other options of why American Express has not wanted to honor it's commitment to taking care of military soldiers. One of your campaign themes is honoring and supporting the military but when it comes to reducing the interest rates on your loans, you look the other way. This has at least been gross misrepresentation and neglect not to mention it is against the law. Not only have you done this over the last few years on my accounts but my wife 's as well who is a military spouse ( same household ). I have included some members of congress in the hope that they will ensure that American Express commits to actions versus just words. Included are my orders dating back to 2016 in which case American Express has given very weak answers as to why you can't reduce your interest rates to at least the required 6 % while a servicemember is on XXXX XXXX. I do recall many years ago, XXXX XXXX XXXX did this same thing and paid a heavy penalty in front of Congress and since they have gone above and beyond to take care of military personnel and I think now is the time for American Express to do the same. Listed on the last Fax Coversheet are all of my accounts with American Express as well as my wife 's in the hope that you will once and for all correct your gross mistakes. Attached are my orders that I am currently on dating back to 2016.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: About XX/XX/23, I noticed unauthorized usage and interference with my cellular device that allowed another person to view my personal information and intercept transaction made with my debit card online. I verified the activity with the merchant on XX/XX/23 that confirmed the activity as theft. After filing a police report for the theft and activity, I reviewed my transactions previously made and I noticed multiple decrepencies in which I reported to my bank without delay. My bank has requested that I submit an affadavit in which I returned the same day via email as previously allowed ; the bank 's policy is to provide temporary credit for the transactions in which has not been applied as an intentional delay due to unsupported accusations due to prior issues with the account. Past disputedms filed on the account is due to long-term ongoing issues regarding harrassment described by my local laws as XXXX XXXXXXXX where my previous partner is consistently relocating along with me to unlawfully pursue me and monitor the activity on my device through the tampering with my device accounts that have been documented and reported.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I did a trial of premium services with XXXX. I cancelled the service on XX/XX/23. XXXX proceeded to charge me the minute I had enough money in my account which was a credit. I called Bluebird and explained the situation. They said they would investigate the situation and issue credit in 10 days of the dispute of the charge. After the 10 days Bluebird did not issue credit and would not provide a reason why.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
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 am an American Express XXXX card holder and I pay {$5000.00} inannual fees alone for the card and the dreadful customer service associated with it.. I have been an American Express " member '' since 1983. I have an additional card on my account. The details of that card were stolen and fraudulent charges appeared on the card. The fraud was reported in a timely manner. The fraud investigation was totally mishandled by American Express and I have still not been reimbursed a total of {$190.00} in fraudulent charges. On the first statement on which the fraudulent charges appeared, there was a total of {$390.00} in fraud charges. In the subsequent statement, there was a further {$190.00}. Amex originally reimbursed the full {$390.00}, but then did a " fraud credit reversal '' for {$100.00}. When I complained by phone, the fraud credit for {$100.00} was reinstated. On the same call ( XX/XX/XXXX ) I reported the subsequent fraudulent charges of {$190.00}. This report was ignored and I received no further reimbursement from Amex. THIS CALL WAS RECORDED.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX AMEX WHICH I OVERPAYED AND PAID EARLY IN XXXX.THIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND AMEX ARE NOT ACCEPTING A MISTAKE. SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX / XXXX PAYMENT DUE XXXX XXXX PAID XXXX XXXX XXXX EARLY PAYMENT DUE XXXX XXXX PAID XXXX ( LATE XXXX ONLY ) PAID PAYMENT DUE XXXX XXXX PAID XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 there were XXXX unauthorized transactions withdrew from my account totaling {$680.00}. These transactions were completed at an ATM at XXXX XXXX which I have never been. I submitted the dispute to the bank which I was advise it will take up to 10 days to recover place the credit in my account. However today on that XXXX day I was notified verbally and by email that the dispute has been declined and I will not receive my funds back in my account. The transaction was made while I still had my card in my wallet which is very confusing. Upon speaking with the bank they advised me to withdraw the remaining funds in my account because they have to mail out a new card and I wouldnt have access to the remaining funds. Which I did. Which is shown that the atm I use is less than XXXX mile from my house in XXXX XXXX. I am stuck and needing help because this transaction was unauthorized. There are cameras to prove this was not my transaction on atms. Please help. I am having an eviction without having access to my funds. This is my blue bird American Express prepaid account
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023, I applied for the American Express XXXXXXXX XXXX card. During the application process, I did not receive any pop-up window or notification indicating that I did not qualify for the XXXX welcome bonus points. However, when I contacted American Express customer support on XX/XX/2023, I was informed that I am not eligible for the XXXX welcome bonus points. This discrepancy between the initial application process and the information provided by customer support has left me feeling misled and frustrated. I believe I meet the eligibility criteria for the XXXX welcome bonus points, as outlined in the terms and conditions for the American Express XXXX credit card. I have maintained a good credit history, met the spending requirements, and fulfilled all other stated conditions.
Company Response:
State: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was gifted a {$150.00} American Express ecard and can't find anywhere online or in person that will accept it.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A