Date Received: 2023-10-12
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I'm getting emails still from Amex telling me my account is closed etc etc. They are NOT supposed to be contacting me and sending me anything yet their email states they will.I I don't live at the address you are sending it to so good luck with that... 2. Cease with the emails XXXX number XXXX. Every other card knew to leave me alone and close out the accounts. All you do is e-mail. Stop communication! At this point the lawyer is going to get involved.
Company Response:
State: MA
Zip: 01757
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/23, I tried using the Amex giftcard with {$150.00} balance on XXXX XXXX, but the card could not be used. The card showed a XXXX cent pending transaction as a result. On the same day I tried using it on XXXX for a {$150.00} XXXX XXXX giftcard and got my account placed on hold. This also resulted in a XXXX cent pending transaction. On XX/XX/23 I restored access to the account and on XX/XX/23 tried to use the same card to buy a {$140.00} XXXXXXXX XXXX giftcard and got the account placed on hold again.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: On XX/XX/2023, I purchased a puppy from XXXX XXXX out of Ohio for {$2900.00}. I charged it to my American Express card so the dispute is with them since XXXX XXXX has not refunded my money. I disputed the charge back in XXXX and was rebilled on XX/XX/XXXX. It has now been 4 months since I picked up this sick puppy from XXXX XXXX ( picked up XX/XX/2023 ) and in the last month she is finally becoming a healthy version of what we expected from day XXXX. I called XXXX at XXXX before purchasing the puppy. I asked him a lot of questions, and now after seeing the company 's response to Amex it is obvious that I was lied to. He told me that the pup I was interested in came from a breeder named XXXX XXXX. I looked them up online and there was no contact info, only said to calXXXX XXXX with questions. He sent me pictures of the pup 's parents, who I was told belonged to and lived with the XXXX XXXX breeder. Then I see XXXX XXXXs response to my dispute, and now it says that the breeder is a place called XXXX XXXX!! After some investigating on our part, we've discovered thaXXXX XXXX 's doesn't really know who the breeder is or who the parents are because they use artificial insemination to breed the pups! This was never disclosed to us, and as a matter of fact I was told that the parents live on site with the breeders. Never got her genetic background as promised either. I've also done research on XXXX 's and found out that they are the same co. as many other sites ...... such as XXXX XXXX XXXX and XXXX XXXX XXXX. They all use the same photos and get the pups from puppy mills and lie to customers about where they got them. Fast forward to pick up day. I picked our pup up and she was actually laying in a crate outside the terminal in the cold. The lady at the airport said she had to sit her outside because her crate smelled so bad. She was laying in the back of her crate in her own throw up and XXXX. When I called XXXX 's they said this is normal due to travel. More lies. Our pup had no energy and was very sick. I called and text PP 's several times with no response so I didn't know whether to keep her or send her back. She weighed under XXXX lbs and was very malnourished. We were told by XXXX 's to feed her XXXX XXXX and human baby food. We were doing this until I called an ER and they said to stop that immediately and could be the reason she was so sick. They ( XXXX 's ) also sent some medications with her ( so did they know she was sick? ) and XXXX of them turned out to be what vets use for horses and our vet told us that one could kill her. I was XXXX this pup back to health XXXX for weeks. I suspect these pups are raised in a crate and were very malnourished. I decided to get genetic testing done on our pup. She's supposed to be an F1 Cavapoo. She's not. Their way of breeding with AI seems to not be working. So when they said in their response " the puppy is exactly what she ordered '' that is false. We ordered an F1 Cavapoo but she's a Cavalier, XXXX XXXX XXXX and XXXX XXXX. I didn't pay XXXX for that breed. XXXX 's said that I could return the " product. '' First of all she's not a product. She's a living, breathing and sweet animal who didn't deserve the treatment she experienced from them. Why should I have to return a dog who we are now bonded with after taking care of her? I missed a lot of time from work too. I would like my money refunded for the cost and time we've invested in a pup which shouldn't have shown up sick and which isn't even an XXXX XXXX.
Company Response:
State: WA
Zip: 98272
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: On XX/XX/2023 I went in to XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I purchased XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I got home, I tried to connect the XXXX XXXX and they did not work. I also tried to attach the XXXX XXXX XXXX XXXX XXXX Attachment to my XXXX XXXX XXXX XXXX and the attachment would not work. On XX/XX/2023, I brought all the items back to the store on and attempted to return the items. XXXX XXXX XXXX XXXXXXXX stated that all sales were final. I informed them that California Law requires that if all sales were in fact final, they must post a sign visible to the general public at the time of purchase and must print such statement on the receipt. I then informed them that there were no signs posted in the store, at the time of purchase, stating all sales were final and showed them that THERE IS NOTHING PRINTED ON MY RECEIPT STATING THAT ALL SALES WERE FINAL IN FACT THE EMAILED RECEIPT STATES EASY RETURN UP TO 90 DAYS WITH A RECEIPT. ( See Attached Scan of the Receipt on page 16 of this document ). On XX/XX/2023 I filed the initial dispute with American Express. On or about XX/XX/2023 XXXX XXXX XXXX XXXX responded to the dispute filed with American Express and their initial response to American Express was that I had 90 days to return the merchandise for a full refund. ( See Attached Letter from American Express staring on page 4 of this document ) On XX/XX/2023, upon receiving the letter from American Express, I immediately went back to XXXX XXXX XXXX XXXX and attempted to return the items once again. I showed XXXX XXXX XXXX XXXX the letter from American Express and they did not care. XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, CA once again stated that all sales were final. I once again showed them the response letter from XXXX XXXX XXXX XXXX to American Express and informed them that there were no signs posted in the store, at the time of purchase, stating all sales were final and showed them that THERE IS NOTHING PRINTED ON MY RECEIPT STATING THAT ALL SALES WERE FINAL. PLEASE SEE ENCLOSED SCREEN SHOT OF THE ORIGINAL RETURN POLICY ( PAGE 20 OF THIS DOCUMENT ) AND THE REVISED RETURN POLICY ( PAGE 24 OF THIS DOCUMENT ) WHICH STATES AS OF XX/XX/2023, CUSTOMERS CAN NO LONGER RETURN OR EXCHANGE MERCHANDISE. ALL ITEMS PURCHASED DURING OUR ONGOING STORE CLOSING SALES ARE AS IS AND FINAL SALE. On or about XX/XX/2023, I contacted American Express and informed them of the XXXX refusal to take back the damaged merchandise. American Express continued the dispute. ( See Attached Letter from American Express ) On XX/XX/2023, American Express sent a letter to me stating that the dispute was closed in favor of the merchant because the merchant stated that All Sales are Final. ( See Attached Letter from American Express ). The merchant can not have it both ways, by stating initially that I can return the items, which I attempted to do on or about XX/XX/2023, and then change their position to All Sales are Final. This is a clear contradiction from their initial response to the dispute. In Fact, XXXX XXXX XXXX XXXX website stated that AS OF XX/XX/2023, CUSTOMERS CAN NO LONGER RETURN OR EXCHANGE MERCHANDISE. ALL ITEMS PURCHASED DURING OUR ONGOING STORE CLOSING SALES ARE AS IS AND FINAL SALE. MY PURCHASE WAS PRIOR TO XX/XX/2023. I was told on XX/XX/2023, by a dispute representative at American Express that XX/XX/2023, was the only response issued by XXXX XXXX XXXX XXXX. This means that American Express ONLY submitted the dispute to the merchant bank at the beginning of XX/XX/2023 and has refused to resubmit the dispute to the XXXX XXXX after XXXX XXXX XXXX XXXX responded on XX/XX/XXXX stating that if I was not happy with the merchandise, I could return the merchandise to any XXXX XXXX XXXX XXXX. When I escalated the dispute after XXXX XXXX XXXX XXXX refused to accept the return, American Express and American Express ONLY issued me a letter stating that as of XX/XX/2023, XXXX XXXX XXXX XXXX is not accepting returns. THIS STATEMENT CONTRADICTS THE RETURN POLICY THAT WAS POSTED ON THE XXXX XXXX XXXX XXXX WEBSITES AS OF XX/XX/2023 ( SEE ENCLOSED SCAN ON PAGE XXXX OF THIS DOCUMENT ) AND THE REVISED RETURN POLICY THAT WAS POSTED ON XXXX XXXX XXXX XXXX WEBSITE ON XX/XX/2023 ( SEE ENCLOSED SCAN ON PAGE XXXX OF THIS DOCUEMNT ) This means American Express is violating not only the terms and conditions of the credit card agreement but also failing to fulfill its fiduciary responsibility of correctly submitting the dispute to the merchants ' bank. This is a violation of the Consumer Finance Protection Bureaus Rules. On XX/XX/2023, I once again reopened the dispute because I believe that American Express is not looking at the facts in this dispute and is merely going off a computer-generated response. Obviously, American Express did not resubmit this matter to the XXXX XXXX because if they did, a response would not have been issued so quickly. Clearly, someone needs to look at the big picture here and see that XXXX XXXX XXXX XXXX stated that I was within my rights to return the merchandise based off their XX/XX/2023 response, but when I attempted to return the merchandise on or about XX/XX/2023 the return was refused. Therefore, I should have every right to dispute the transaction and have the dispute ruled in my favor because the merchant responded initially by stating that the return policy was in affect at the time of the purchase, as spelled out in their response letter. Please look carefully at the enclosed letters from American Express, as it is now apparent to me that American Express is refusing to resubmit the dispute to the XXXX XXXX, which means they are trying to get out of their fiduciary responsibilities. The XXXX spelled out in the initial letter that if I was unhappy with the merchandise, I could return the merchandise to XXXX XXXX XXXX XXXX. THIS IS ALSO CONFIRMED IN THE ENCLOSED SCREEN SHOT OF THE RETURN POLICY THAT WAS SCANNED ON XX/XX/2023 ( SEE PAGE 20 OF THIS DOCUMENT ) AND PRINTED ON THE E-MAILED RECEIPT ( SEE PAGE 16 OF THIS DOCUMENT ). As American Express knows, the response letter from XXXX XXXX XXXX XXXX was sent on XX/XX/2023, as their initial response letter to AMEX. However, once their store refused, and changed its position to All Sales are Final, when no signs were posted at the time of purchase and no such statement appeared on the printed receipt, I asked American Express to step in and further assist. However, American Express is now going off a system-generated letter from American Express XXXXnstead of complying with the terms and conditions. American Express is refusing to resubmit the dispute to the XXXX XXXX and just denying the dispute, which is violating my dispute rights. Both American Express and the merchant can not have it both ways by stating that I can return the merchandise ( AS STATED IN THEIR RESPONSE LETTER ON PAGE 4 OF THIS DOCUMENT, ON THE EMAILED RECEIPT ON PAGE 16 OF THIS DOCUMENT AND POSTED ON THEIR WEBSITE ON PAGE 20 OF THIS DOCUEMNT ), and then once their store refuses, state that all sales are final when there is nothing printed on my receipt, nothing was posted in the store at the time of purchase, and the initial response letter from XXXX XXXX XXXX XXXX to American Express stated that I may return the merchandise for a full refund. I dont care how American Express handles the reimbursement matter, but I am not only entitled to a full and complete refund but I am entitled to an apology because American Express has violated my rights to a proper and lawful dispute.
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: On XX/XX/2023, I ordered an air conditioner from XXXX for {$470.00}. It was marked delivered on XX/XX/2023. It was not delivered to my house, it was shipped through XXXX and the photo they uploaded was not my house. After contacting XXXX they told me I would need to dispute this charge with my credit card company. I have been disputing this charge since, for a total of 5 months, over and over. XXXX sends them a " proof of delivery '' which has NO details attached to it whatsoever, and they then close the dispute in XXXX favor. I have provided multiple times, pictures of my house in person ( including the house number ON THE HOUSE ), along with screenshots of my house on XXXX services like XXXX maps, and in comparison the delivery photo attached to the XXXX tracking number showing a different house. American Express has continuously refused to look at the proof I have provided, and has continuously closed this dispute in XXXX favor citing that they have provided " supporting documents '' but only showing the same " proof of delivery '' page which shows nothing but simple text saying the item was delivered to the property address ( it wasnt ). I have submitted a complaint against the company already and they did NOT resolve the issue, they did nothing other than provide the same INCORRECT information they have been providing to me this entire time. If this complaint can not be resolved this time, I will have no other choice than to take this to court. I will NOT be paying for an item that was not delivered to me.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Asked for XX/XX/XXXX for my rights per The California Consumer Privacy Act of 2018 ( CCPA ) My right to know about the personal information AMEX Savings and Credit Card has collected about me and how it is used and shared ; My right to delete personal information collected from them ( with some exceptions ) ; My right to opt-out of the sale or sharing of their personal information ; and And I am subject to discrimination for exercising my CCPA rights. It has been over 5 weeks since asking for this information Full access to my legal rights under CCPA - Personal information Name Address Telephone email Social security and any other identification used by AMEX that has been subject of their dispute with me since XX/XX/XXXX account opening
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/23 there was a sale at XXXX and XXXX so I tried to make some purchases with an Amex digital gift card. I had previously tried to use this card numerous times at various different online retailers but the transaction would be declined. On XX/XX/23, the purchases that I attempted to make included approximately a {$400.00} charge from XXXX and several separate attempts on XXXX for various items from approximately {$5.00} to {$50.00}. My Amex gift card now shows that both XXXX and XXXX were able to initiate {$0.00} XXXX from both, despite the attempted orders being rejected. I spent several hours on the phone and online chatting with customer service representatives from XXXX and XXXX who explained that Amex is blocking the transaction from going through, and that I would need to speak with Amex customer support. I called the number provided by the Amex gift card and it was a completely automated system that would only give you a recorded message and then the option to go back to the main menu or it would hang up. I called Amex credit card customer support and they gave me this number to call, XXXX. After calling that and going through an automated system and then waiting another half and hour on hold, a customer rep told me that Amex does not allow transactions with certain retailers to go through for security purposes, and that XXXX and XXXX transactions would not work with this gift card. I asked for a list of companies that would work with the card, or even a list of companies that would be rejected, and the rep said they do not have a list of either and that I " just need to keep trying the card and see if it works. '' After attempting to use my card at several retailers over the past year, including XXXX, XXXX, XXXX, XXXX, XXXX and others, and spending numerous hours on customer support, including at least XXXX hours on this issue on XX/XX/23, I am not able to use the funds associated with my Amex digital gift card despite a sincere effort to find somewhere that would be able to successfully process this form of payment.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX XXXX - Trying to use two AMEX gift cards to reload XXXX balance. Both were declined, even if I specified an amount less than what was on the cards. Calling the XXXX number on the back takes you to an automated system and there is no way to reach a live person.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: 33325
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: twice i have asked AmEx Debt Collection Department for a copy of ORIGINAL PAY AGREEMENT from XXXX. 1st request was ignored, sometime in XXXX of XXXX. 2nd attempt maid on XX/XX/XXXX. They did not respond within 30 days. After calling them to alert them they were wantonly and willingly witholding requested documentation, they said they would review the tape of the previous call. The document they did send, received after XX/XX/XXXX, was not the document requested. I requested the ORIGINAL agreement made last year, and they furnished only the CURRENT pay agreement.
Company Response:
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A