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: I received this card as a gift. After registering the card, I've tried using it online but the card declines. On XX/XX/2023 I contacted American Express about this and they stated that they " are protecting my funds '' and to " please use at online merchants that require the Card number, expiration and security code ''. This appears to be a common issue with this card but the company will not acknowledge that there is a problem.
Company Response:
State: GA
Zip: 30122
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: 2023-10-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was issued this American Express eGift Card ( details below ) through my employer on XX/XX/XXXX and began using it with no trouble on XX/XX/XXXX and made a subsequent XXXX separate purchases using the card through XXXX at a variety of different merchants -- grocery, restaurant, hardware stores, etc. Then, after XX/XX/XXXX, the card abruptly began declining every single time I tried using it. I attempted at least 20 different merchants, both in-store and online, and it declined 100 % of the time, including at retailers like XXXX XXXX 's XXXX the card had previously worked fine. I have a balance of {$660.00} left on the card, and I am effectively not able to use this money because it is not accepted at any single retailer either online or in store, regardless of whether billing details are needed by the merchant or not. Over the following 4 months I have called Amex 's customer support no fewer than 5 times and spent hours on the phone with representatives in XXXX who specifically told me that they had resolved any restrictions on my end and thus that it was the fault of the merchants, not AMEX, that the card was being declined. I told them about how the card has declined for me over XXXX times at all retailers online/in-store and they insisted that those declines were not showing up in their system and again insisted that it was my fault not there's. I've tried to have the issue escalated to their XXXX-based team because no supervisor has been helpful. They have REFUSED to migrate the balance of the card to another card or try troubleshooting in anyway, apart from XXXX different times telling me that they've fixed the issue on their end and to wait XXXX hours for the card to work fine again. It has never been fixed and I know they are lying to me to get me to stop calling. I have asked them the same question over and over again XXXX am I expected to use this card if it is not accepted at a single merchant? '. They have told me that this is my problem to fix on my own and not theirs. They have stopped responding to my customer service requests and never call back when they say they will. I do not believe that a final solution can be that Amex gets to keep my {$660.00} because their faulty gift cards are being flagged for suspicious activity and therefore accepted nowhere. I would like to add that dealing with Amex Gift Card 's customer service agents has been the most dehumanizing customer service experience of my life, and never before have I been scammed like this by a reputable company like American Express. Researching on the internet, it appears countless others have a similar experience. Card Number : XXXX Exp : XX/XX/XXXX Security : XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received 800 dollars from XXXX XXXX because I gave up my seat. I used XXXX and had it placed in XXXX. This works. I used XXXX in XXXX which i have been using for my XXXX XXXX with no issue. The remaining XXXX dollars I placed in two American Express CardsXXXX XXXX. They would not work at all. I tried to use it at XXXX no luck. I tried to use it at XXXX XXXXno luck. The online information says the money is there but I can not access it. I tried calling XXXX today finally and they said that they could not retake the money on the cards they suggested that I call the company. I called American Express and they do not have customer service for that specifically. I called them last week and today. The person I got onto finally on the phone for American Express could not help at all. I am exhausted and I would like my money back- a total of {$400.00}. I feel that American Express Card has been behaving like a scam company.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: This issue relates to an application for a business line of credit with American Express, and not a personal line of credit. On the morning of XX/XX/2023, at approximately XXXX XXXX, I had a conversation with a supervisor at American Express. During our discussion, I was informed that my application had been denied due to a missing document. I was directed to submit this document via a specific link. However, upon trying to access said link, I found it to be unavailable. It was brought to my attention that the submission process through this link is limited to two attempts. At no point was I provided with proper prior notification about this limitation.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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 e-gift card for {$1000.00}. I have tried endlessly to use it. I tried to rent a XXXX with it, XXXX XXXX, put it in my XXXX account and purchase goods from many retailers online. After the initial decline, I called .American Express and was told, yes, it was declined, but the card was good. So tried several more times to use it with it always being declined. I called again and was offered no help. I asked for a physical card to be sent and was denied. I asked to speak to a supervisor and was put on hold for almost an hour with no one ever answering. On XXXX XXXX I did make one purchase with XXXX for {$160.00}. That is the only time it went through and I am not sure it did go through. I am at my wits end about what to do. I have had this card for 8-9 months and still can not use it. Please help.
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I redeemed my points to purchase gift cards with American ExpressXXXX prior to closing my AMEX account. I was told that I would get the digital cards via email within 24 hours, but I didn't get any email concerning that. I tried to use AMEX website to get to the " digital wallet '' but it says " This account is ineligible for gift card redemption. '' I spoke to their customer service numerous time and all they say is use the link http : //www.ecerts.americanexpress.com to access the cards, but it takes me to the same error message above " This account is ineligible for gift card redemption. ''
Company Response:
State: CA
Zip: 92122
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was hospitalized over 20 times during XXXX and this card was opened and used without my knowledge.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I purchased a serve card back in XX/XX/2023 but never my money was never on it I called and they told me to send them all the information front back picture of ID front back address email I did that like three or four times I faxed it the same information they needed from my card receipt everything turned and everything we are in XXXX in 2023 and I still have not gotten my money every time I call they tell me to call back in another 10 days or email it again or fax it again no I'm not doing it or I get disconnected
Company Response:
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am submitting a complaint about American Express due to ongoing billing errors, incorrect adjusted balance/minimum payment due, pay over time charges, interest calculations, and fees on my statements starting from XX/XX/2022 closing date statement through present. Im desperate to get this remedied, as I have spent probably 70 hours trying to get this fixed. This has affected my credit score and created incredible stress personally. AMEX has continually messed up my account by not indicating the correct amounts to pay, adding incorrect charges, and misallocating charges that have resulted in massive stress and me unable to determine my payments and budgets around this card. Every time I get one thing fixed, another thing goes wrong with it. I would like to request enforcement measures because the errors are always in AMEXs favor.
Company Response:
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A