Date Received: 2023-09-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 at approximately XXXX, I called American Express XXXX retention department at XXXX. My platinum card had just had the {$690.00} annual fee hit on XX/XX/2023. I called and asked if there were any current retention offers on the account. The representative said no, there were not. Or if there were, I deemed them not worth accepting at that time. Then, I needed to get off the phone, as I had arrived at work. The agents normally like to go thru a long, contrived process whereby they ask if they kept you from closing the card, etc etc etc. That is for their own internal job success metrics. I repeatedly said, loudly, 'DO NOT CLOSE THE CARD! DO NOT CLOSE THE CARD! ', before hanging up. Regardless, the agent, probably annoyed that I didn't stay on the phone to participate in their XXXX minute question and answer question, closed the account without my request or consent, after more than 7 years of card membership, without my permission, after I hung up. My guess is the agent did this because they were annoyed that I did not stay on the phone for all of the questions. I have spent hundreds of thousands of dollars and paid thousands of dollars in both annual fees and merchant transaction fees, and Amex still closed my account without checking, completely as a petty response to me not wanting to waste time answering the agent 's questions. The next day, after noticing my card had stopped working, I called Amex retention back at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that my account had in fact been closed and that AMEX would not be reopening it, even though I did not request it be closed. He did not go back and listen to the calls, he just flat out refused.
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My girlfriend and I bought an american express gift card. This card will not work online or in stores. We've been getting nothing but the run around from American express. They're basically holding our money XXXX.
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: American Express sent me a XXXX card that I had never applied for. Someone fraudulently applied for the card and they approved it without my permission. They need to be reprimanded and fined for their fraudulent practices.
Company Response:
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: Issue Summary : Card Cancellations : My credit cards have been suddenly cancelled on three distinct XXXX XXXXXXXX XXXX XXXXXX/XX/2023, and XX/XX/2023. Annual Fees : Following each card reissuance, I have been subjected to the levy of annual fees, precipitating multiple payments within one year. Detailed Account of Events : Cancellation on XX/XX/2023 : Return Payments : Instances occurred on XX/XX/2023, XX/XX/2023, and XX/XX/2023, facilitated by XXXX XXXX. Unknown to me, payments were blocked due to an auto-pay arrangement initiated without my consent. Following its discovery, all subsequent payments were blocked. Notice of Cancellation : Dispatched on XX/XX/2023. Customer Service Interaction : Numerous attempts were made to resolve the issue, marked by extensive holding periods and disconnections. Resolution/Outcome : The proposed resolution was to reapply for another credit card. Cancellation on XX/XX/2023 : Risk Analysis Teams Decision : The card was terminated without prior notice or explanation. Issue Date of the New Card : XX/XX/2023. Customer Service Interaction : At present, efforts to secure an appropriate corporate contact for escalation remain unfulfilled. Resolution/Outcome : Advised to reconvene after 42 hours to investigate the possibility of a refund for accrued points and annual fees. Impact and Concerns : The unforeseen cancellations and subsequent communication deficits have adversely affected my credit score. Repeated and undeserved annual fees are unacceptable and demand immediate rectify.
Company Response:
State: VA
Zip: 22032
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express Gold Card with XXXX XXXX XXXX for 15 years. Pay card off in full on line every month. Did so this past month, scheduling the payment before the due date. For some reason unknown to me, the payment did not go through. I discovered this 2 days after the due date and called to pay it in full immediately, which I did. They charged me over {$200.00} in interest and my credit score has been affected. My paying on line and using on line statements saves the company money! I should not be charged interest or late payment fee for this glitch. They did agree to not charge the late payment fee of {$40.00} but said they " could not '' waive the interest fee. What recourse do I have?
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have twice requested on recorded phone lines for the EXACT ARRANGED AGREEMENT of debt collection. I do not have the date of first request, but 2nd request was XX/XX/2023. Department is nothing but hostile, denies not sending it, when they have never sent it. American Express is willfully withholding information and documents
Company Response:
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to file a complaint against American Express and XXXX XXXX XXXX XXXX for Credit Reporting Violations Under FCRA Sections 602 ( a ), 604, 1681 ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ) American Express charged off this account and did not send me a XXXX XXXX tax form and XXXX XXXX XXXX XXXX XXXX XXXX for the debt. There are also reporting violations on my Credit Report for this account. These violations are in direct contravention of FCRA Sections 602 ( a ), 604, 1681 ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ). Violation of FCRA Section 602 ( a ) ( 15 U.S.C. 1681a ( f ) ) : American Express has improperly reported information about my credit history without obtaining proper consent as required by Section 602 ( a ) of the FCRA. Violation of FCRA Section 604 ( 15 U.S.C. 1681c ) : American Express has provided my credit report to unauthorized parties, thereby violating the restrictions outlined in Section 604 of the FCRA. Violation of FCRA Section 1681 ( a ) ( 5 ) ( 15 U.S.C. 1681 ( a ) ( 5 ) ) : American Express continues to report information that is inaccurate and has not taken steps to maintain the accuracy of the data as required by Section 1681 ( a ) ( 5 ) of the FCRA. Violation of FCRA Section 1681s-2 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : American Express has failed to conduct an adequate investigation of my disputes as mandated by Section 1681s-2 ( a ) ( 1 ) of the FCRA. Tax Violation : American Express charged off this account then sold the account to XXXX XXXX XXXX XXXX. and I was not given a XXXX Tax form. Please request American Express to delete this account as I no longer own them money for this charged off account. Below please see all reporting violations/errors XXXX and XXXX : Inaccurate Reporting of Account Status ( Section 1681e ( b ) ) : Reporting the account as XXXX XXXX XXXX without accurately reflecting the consumer 's dispute status is a violation. Failure to Correct Inaccurate Information ( Section 1681i ) : Information previously disputed and not corrected. Incorrect Payment Status ( Section 1681s-2 ) : Reporting a past-due balance of {$9100.00}. How is there a balance if the account is charged off.? Incorrect High Credit Amount ( Section 1681e ( b ) ) : Reporting different high credit amounts for XXXX and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX : 5. Continued Reporting of " XXXX '' ( Charge-off ) Status ( Section 1681s-2 ) : Reporting the account as XXXX XXXX XXXX multiple times Inaccurate Reporting of Last Reported Date ( Section 1681e ( b ) ) : Reporting different last reported dates for XXXX ( XX/XX/XXXX ) compared to XXXX and XXXX ( XX/XX/XXXX ). Failure to Update Account Status ( Section 1681s-2 ) : Not updating the account status to reflect changes, such as disputes and resolutions, may be a violation. Inaccurate Reporting of Date Last Active ( Section 1681e ( b ) ) : Reporting different dates last active for XXXX ( XX/XX/XXXX ) compared to XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) without justification could be a violation.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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 walking treadmill from a company called XXXX in XX/XX/2023. They said they were going to ship in XXXX. I emailed them in XXXX when I didnt receive the product. They said 2 more weeks so in two weeks I emailed them and they said 2 more weeks I did this every two weeks until like XXXX. At this point Im confident theyre never going to ship so I request a refund. They approve the refund said it would arrive 7 business days. I forgot about it and then a month or so later realized the refund never came through. Then I emailed them to ask and found out the company dissolved. I requested a charge dispute with Amex, the card I used to purchase. They didnt open an investigation because my purchase date was more than 60 days ago.
Company Response:
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: American Express e-gift card - you can not use it online or in your XXXX XXXX. Keeps being declined and has a balance over the transaction amount. I called customer service numerous times and it is just automated with no person answering. It is very frustrating as would like to use the money. My boss sent this to me as a thank you for extra work and I can't even use it!
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express failed to return the fund that I paid to an archived Amex XXXX credit card account that has been inactive with {$0.00} balance since XXXX The payment was made on XX/XX/XXXX in the amount of US {$1300.00}. I have a proof of payment for the transaction ( attached ). And I have a recording of the Amex automated telephone system confirming that Amex received and processed the payment in the amount of {$1300.00} in this account on XXXX XXXX XXXX Payee account number : XXXX Amount : {$1300.00} Trace number : XXXX Transaction ID : XXXX Sent on : XXXX Payment effective date : XX/XX/XXXX Payment processed and posted by Amex on : XXXX ( I have a recording of account payment history by Amex confirming this ) However, despite repeated calls to Amex card customer service to have them return the payment to me, I was given the run-around by the agents. The first Amex agent told me to contact XXXXXXXX XXXX to recover the fund. XXXX told me Amex no longer transfers the fund paid into the archived Amex account to XXXX. The second Amex agent I called told me internal bank procedure stipulates the fund should be released and returned to originator within 14 business days, and advised me to call back Amex on XX/XX/XXXX to raise an escalation to have the fund returned, if I do not receive the fund back by XX/XX/XXXX. The fund has not been returned by that date, so I called Amex to raise an escalation. The 3rd Amex agent said he can not raise an escalation to return the fund until 60 days has passed. Today, more than 3 weeks after that payment, Amex still is holding my money illegally.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A