Date Received: 2023-10-06
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I want to edit my previous complaint and add the card to show i actually have a card .... I went to use a {$50.00} amex prepaid gift card for {$20.00} on my XXXX but it said the card is invalid and i checked XXXX support and it didnt help and i checked the card balance, info, etc and it still didnt work, so i called and all i got for an answer was the robot voice saying for my protection that purchases wont go through or because the merchant didnt ask for the security code, although the XXXX store does ask for it.
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a XXXX XXXX America Express credit card and was promised a {$100.00} statement credit after spending the required amount on my credit card. I contacted the credit card company and the customer service representative said that the statement credit of a {$100.00} would appear on my statement in one to two billing cycles. The statement credit never appeared.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: They said denied XX/XX/XXXX never received email. Stay on phone for hour and half and supervisor was to call back nothing. Supposed to email info again NOTHING. Thier website states this also lie. American Express https XXXX XXXX Protection Against Phishing and Scams | American Express XXXX you think you've been a victim of a website scam, our Fraud Protection Guarantee means you won't be held responsible for any fraudulent charges, providing... FALSE Advertisement case.
Company Response:
State: SC
Zip: 29678
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received two AMEX gift cards as honoraria. I successfully used a portion of the first one once at XXXX 's online in early XXXX, but XXXX 's will no longer accept them. Every time I buy something online, I try to use these gift cards before using my personal credit cards and it never works. I honestly find I can't use these cards anywhere. These virtual cards are declined online everywhere ( from small merchants to XXXX to XXXX ). When I called and complained about this, I was told to print out the cards and take them to brick and mortar stores to use them, but no brick and mortar store will accept a card they can't swipe. I asked for physical cards to replace the virtual cards and was told that they could not be offered. I can not use the cards in XXXX wallet, at XXXX, at XXXX -- no one will take these cards. I have called AMEX customer service and they can not offer me any resolution. They insist that the cards are valid anywhere that accepts AMEX but can not give me examples of locations where I can use them. They say that they can not transfer my balances for my two unusable virtual cards to a physical card. They say that they can not apply the cards as payments to my AMEX credit card. They say they can not offer me a refund. This system seems designed to skim dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service. I have been unable to use their cards all year. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Name XXXX XXXX Address XXXX XXXX XXXX XXXX Phone Number XXXX XX/XX/2023 Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are not accurate for the following items : Party Owed : XXXX Amount : {$28000.00} Account Number : XXXX Party Owed : American Express XXXX : XXXX Account Number : XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. Sincerely,
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: This complaint is an update regarding American Express who opened and REVERSED the conditional credit THREE TIMES. Please refer to COMPLAINT XXXX XXXX XXXX XXXX XXXX Last week I spoke with their Dispute person in Florida who agreed with me that NOBODY should stay in a motel like XXXX because of HEALTH HAZARD. TODAY, they reversed the conditional credit the THIRD time and sent this : " Dear XXXX XXXX We have an update on the {$1100.00} charge you disputed with XXXX XXXX. Merchant has provided the signed receipt and sufficient documents that shows before check-in you have inspected the room and found it as described and also offered the different room the next day. Merchant has no refund policy signed by you. However, at this time we can only suggest that you to try to resolve this matter directly with the merchant to reach a mutually agreeable resolution. '' I also contacted XXXX XXXX XXXX, the XXXX of AmEX office two weeks ago, and there is no response. As I mentioned before, the merchant 's policy is " Misrepresentation voids reservation '' ( please see this in the photo attached ). This must work for BOTH parties. The merchant misrepresented goods and services when I made this reservation and paid the deposit over the phone. Instead of a clean place, they give people a XXXX room. The alternative room they mentioned in a response was on the third floor, and there is no elevator. My XXXX XXXX XXXX could not endure the stairs. I had to leave the next morning. This was supposed to be my first vacation after the course of XXXX. I had no vacation. I protest the situation when AmEx takes the side of an unscrupulous merchant. This is a robbery. The motel robbed me of my vacation, and AmEx is encouraging the merchant to continue doing this. I have XXXX in remission, and I can not breathe BLACK MOLDXXXX which is EVERYWHERE in this motel ( please see the scans of other people 's reviews from XXXX ). NO healthy person should stay in this room either. What AmEx is doing is criminal. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I called AMEX on XX/XX/2023 to ask about why I am not receiving my everyday spend points along with my sign up bonus offer ( XXXX XXXX XXXX ) and was told that AMEX had a glitch in the system. Rep advised that this should be resolved by XX/XX/XXXX. If not, I should call back. Points are still missing so I call back XXXX XXXX and spoke with 3 different reps ( XXXX, XXXX - supervisor, XXXX - manager ). Each rep gave conflicting information and was told to call back XX/XX/XXXX. I ended up calling again on XX/XX/XXXX and spoke with XXXX. I was told the pending points should be released by XXXX XXXX, or earlier. As of today, 3 statement periods later still no points! I understand having to wait 8-12 weeks for the sign up bonus offer, but that doesn't explain why I'm not getting my everyday spend points. I call again on XXXX XXXX, spoke with XXXX and was told it has not been 12 weeks since I met my minimum spend ( even though I was advised by XXXX to call back on XXXX XXXX because that would be exactly 12 weeks since I met my minimum spend ), and once again, was asked to call back! I asked to be transferred to a supervisor and spoke with XXXX ( floor supervisor ) and apparently there's a delay in AMEX system. She was not able to tell me when this issue would be resolved and told me that the pending points should be deposited into my account on my next statement period which is XXXX XXXX and I should not have to call back. Doesn't seem like that is the case because I have had to call multiple times, explained my issue to 7 different reps at this time, and each rep still giving me conflicting information. I only applied for this card because I was promised an offer and AMEX did not deliver. This is not acceptable. I expect more from AMEX with their reputation & would not recommend AMEX to my friends or family.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consume report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: American Express ( AmEx ) makes it incredibly difficult to pay the guest fee when bringing a companion to one of their XXXXXXXX XXXX. While they advertise the benefit of XXXX XXXX access prominently and call out on both their website and affiliate sites that guests can enter as well if you pay {$50.00}, they do not state that the only way to pay that fee is with a *physical* AmEx card. As someone who got the {$600.00} / year Platinum Card today with the explicit intent of using that lounge benefit with my companion *today*, I was extremely disappointed to find out that there are very few ways to pay the {$50.00} guest fee. They do not state that you can't pay with an AmEx card digitally ( e.g. via XXXX XXXX ), that you can't pay with any non-AmEx cards, or that it's somehow prohibited to XXXX {$50.00} to someone in line with you for them to use their physical AmEx card to pay your fee*. I downloaded the AmEx app and had my new card approved, active and registered both there and in XXXX XXXX. Because my physical card- which is also my only [ and likely last ] AmEx card -is still in the mail, I was unable to pay for guest access. Faced with a situation that AmEx had not prepared me ( or themselves, apparently ) for, their poor customer service and disregard for the consumer was jarring. None of the front desk staff nor manager were conciliatory or tried to help us find an alternative solution. We stood at the front desk for an *hour and a half*, searching for a solution and calling AmEx customer support, before the manager grudgingly allowed us to enter. Very disappointed with AmEx, their advertising practices, lack of user-friendly payment options, and customer service. *They do mention that soliciting AmEx cardholders for lounge access is prohibited. But making a friendly deal with someone completely separate from AmEx to first provide *them* with the money to pay your guest 's fee ( using *your* Platinum Card benefit and *your* boarding pass for the actual access requirements ) is *not* " soliciting someone for access ''. It's asking for help navigating obsolete and absurd payment requirements.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX XXXX XXXX I noticed some inaccurate information on my consumer report and I sent a notice to Amex to delete the account off my consumer report according to law 1681b ( 2 ) putting them on notice that I never give them written consent or authorized them to report that account on my consumer profile and to delete it. According to 15 usc 1681E ( B ) They are supposed to report with maximum accuracy but they failed to do so. They responded to my letter XX/XX/ Not even doing a full reinvestigation and told me they will not delete for another 6 years infringing on my rights and according to 15 usc 1681i ( A ) ( 5 ) ( A ) ( I ) inaccurate info should be deleted promptly. I hope we remedy this situation or I'll be forced to litigate through arbitration as this is my last resort.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A