Date Received: 2024-01-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Attempted multiple online transactions with AMEX gift card, following the instructions provided by AMEX for online use. Gift card had sufficient funds for each transaction. All transactions would not process. I contacted AMEX and was told that I could not use the gift card for purchases on XXXX. I asked for any vendor where I could use the gift card and was told that they could not provide me with any vendor names. Their recommendation was to just keep trying to use the gift card at different retailers to " see what worked ''.
Company Response:
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2024 I used this public link https : //www.americanexpress.com/XXXX to sign up for the XXXX point bonus. After sign up it only shows I am going to get XXXX. After communicating with chat support for about an hour I was told I was supposed to get a call back from a manager, which I never received. From a quick search I see several other customers who are also having this issue and some were told the link was only valid if emailed to the potential customer. There is not such exemption in the terms, nor is there any indication that this a private offer only. I, and several others, registered under the pretense that we would get what was promised in the terms, but have had the rug pulled out from under us in a bait and switch scenario.
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I have a Bluebird Prepaid Debit Card by American Express. I purchased this prepaid card from XXXX over 10 years ago. Since about XXXX, I have had more issues accessing my account on the website and app. My password stopped working and I am unable to change the password because I did not receive the new card replacement which is required by the company. I have attempted to explain this issue to the card company hotline, but the card hotline representatives have only claimed that the new replacement card was delivered to my account address and I should have received it already. The card hotline representatives also claimed that I would not be able to close the account until the remaining balance is {$0.00}. The remaining balance is about {$4.00} and a few cents. I have requested more three times last year for the account to be closed. Up to now ( XX/XX/XXXX ), I never received the replacement cards and I never received the remaining check to help close the account. What concerns me is I keep receiving emails bank statements that I can't access.
Company Response:
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: 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 ( s ) owed are not accurate for the following items : Party Owed : XXXX Amount : {$29000.00} Account Number : XXXX Party Owed : American Express Amount : 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, FTC XXXX
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I was in the XXXX XXXX, and the American Express ( Amex ) representative offered me an Amex card. If I accepted the card by paying US {$250.00}, I would receive XXXX Delta Airlines miles as long as I spent US {$3000.00} in less than XXXX months. I told the representative I had an Amex card until XX/XX/XXXX. He told me I would be OK because it had been over XXXX years since I had the old card. I went with the promotion and was given the Amex card number XXXX, valid until XX/XX/XXXX. I spent US {$6100.00} until XXXX and paid the annual fee in my first payment. When I contacted the representative today, XX/XX/XXXX, in the call center, she told me Amex would not give the miles and would refund my annual fee because I had a card before. The attendant provided me with the ticket number of my call as XXXX. Unfortunately, it seems the representative lied in the airport, or Amex needs to act more honestly. I decided to sign the Amex card again because of the offer, and they are not honoring their terms. I would appreciate your help as Amex can solve this matter they created. Thank you, XXXX
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied and was accepted for an American Express XXXX XXXX XXXX Credit Card on or around XX/XX/, with a welcome offer of XXXX bonus XXXX XXXX upon meeting a minimum spend ( " Threshold Amount '' ). Here are the terms of the bonus offer : " Card Members who apply through this offer and are approved for the XXXX XXXX XXXX XXXX can earn XXXX Bonus Miles after {$4000.00} or more in eligible purchases are made on the Card within 6 months of Card Membership. '' I met the Threshold Amount on XX/XX/2023. According to the terms of the welcome offer, " Bonus miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. '' It has been 19 weeks since I met the amount, and I have not received my miles. I contacted American Express and spoke to an agent at least seven times since XX/XX/2023 attempting to resolve this issue. According to American Express, this is a known technical issue within their company leading to a delay in processing the miles. I have been assured on the record by multiple American Express representatives that I would receive my XXXX miles ( a value of nearly {$1000.00} USD ) within a few weeks each time I reached out, and I still have not received my miles, which I am owed per the terms of their agreement.
Company Response:
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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 purchased a XXXX XXXX XXXX dishwasher and professional installation of the dishwasher from merchant XXXX XXXX via their website XXXX on XX/XX/XXXX. My American Express credit card was charged {$960.00} and the charge appeared on my XX/XX/XXXX billing statement as THE XXXX XXXX # XXXX XXXX FL. On XX/XX/XXXX, the dishwasher was delivered and installed in my home. However, the dishwasher that was installed was a black and steel/gray dishwasher that was not the machine I ordered nor did it match the photos of the dishwasher on the merchants website. After the technicians refused to return the dishwasher to the store and re-deliver the correct item we ordered, I contacted XXXX XXXX customer service for assistance. From XX/XX/XXXX to XX/XX/XXXX, the XXXX XXXX XXXX led me to believe they had every intention to re-deliver the correct dishwasher which I ordered or refund me for not having received the dishwasher I ordered. However, the merchant refused to re-deliver the correct black dishwasher and did not offer to correct the billing error of {$960.00}. I sent credit card issuer American Express an official letter to dispute the transaction since I did not receive the item I paid for as described and photographed on the merchants website. The letter was sent to American Express Billing Inquiries Department on XX/XX/XXXX vis USPS certified mail with return receipt requested and the letter was received and signed for by American Express on XX/XX/XXXX. Although the dispute letter contained extensive and conclusive evidence that I did not receive the dishwasher I purchased from the merchant and although it was received by the merchant on XX/XX/XXXX, as of XX/XX/XXXX, the billing error still appears on my credit card statement. The merchant XXXX XXXX did not acknowledge my dispute in writing within 30 days of receiving it as they are required to do so under the Fair Credit Billing Act nor did they complete a reasonable investigation. Please direct American Express follow the Fair Credit Billing Act by acknowledging my dispute and by investigating the billing error which has not yet been corrected. Please also inform American Express that if they deny my billing error inappropriately or without conducting a reasonable investigation, I intend to file a lawsuit to enforce my rights. Thank you for your attention to this matter.
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: per my previous complaint ( case XXXX ), I am not sure why AE is expressing that I had less money on the card than what I actually had. The card was taking cents out of my account when I tried making purchases. I have an image of the actual balance that I had before I gave up attempting purchases. I can email the image to a representative. There is no way that I had $ XXXX {$50.00} on the card. I am not sure where that information came from, but I would like that false information resolved. I am glad i took an image before the card was cut off, because I wouldnt be able to prove my case otherwise.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was gifted an Amex prepaid gift card of XXXX usd and have not been able to find a single store that accepts this card in 3 years. It expires in XX/XX/30, I might expire before then.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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: Background I have been a card holder with American Express for 44 years. The company that once claimed a world of service has become the worst credit card company of the many I still use. They generally ignore problems figuring that the customer- card holder will give up, which I usually in fact do with them. However, this matter is so outrageous, I forwarded my formal demand for arbitration directly to their legal counsel. I received the identical form rejection letter dated XX/XX/23 refusing to do anything to remedy the obviously fraudulent bill. The facts I charged a XXXX XXXX to my XXXX XXXX card. I declined all extras. I tried to pay a cash toll, but the attendant told me my XXXX transaction already was charged. I tried to pay the $ XXXX total of tolls online after my rental as I always do, but the XXXX website rejected my payment because it was already paid. There was NO XXXX on the windshield, although some tape remained from something that was once attached. XXXX had left an unlocked, unprotected XXXX hidden in the back of the closed center console which evidently was able to communicate with the toll facility. My investigation with a XXXX XXXX XXXX XXXX representative informed me that while she had seen many rental car XXXX scams THIS was a first. XXXX charged me 15x the actual toll.
Company Response:
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A