Date Received: 2023-10-01
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 Gift Card as a gift. The amount is {$500.00}. I am able to login to the card 's website and check the balance. I am unable to use the card anywhere! I have tried online stores, and brick and mortar stores, and NO ONE will accept it. The card does not allow you to register an address, and hence when the transaction is placed, the merchant 's system is unable to verify the card against an address. I called their customer support and asked for a list of merchants that accept the card. They said they don't have a list, and they are unable to help any further. On the back of the card it states, " Use at U.S. merchants that accept American Express Cards. '' This is clearly untrue because all the locations mentioned here accepted American Express credit cards. This is a HUGE problem. This product should not be sold to anyone. In an age of credit card chips, this type of gift card does not have enough security built in, and no merchant is going to accept it.
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I purchased a prepaid card from XXXX with the amounts of {$300.00} on there the card was supposedly never correctly activated at the store I have contacted them got in a hold of XXXX XXXX I've sent them everything possibly needed I emailed them over five times I faxed and over two times everything that they needed from me and every time I do get a call I either get disconnected or they hang up on me and this has been since XX/XX/2023 and all I want is my money it's been over every time I talk to them they tell me to send it in again and wait 10 business days 10 to 15 business days no I'm not doing it again I want my money
Company Response:
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: You get flooded with emails every day I can imagine. I used to work for XXXX XXXX and I always respected Amex as a head of the curve. I remember when XXXX XXXX was dipping its XXXX in XXXX XXXX ( 10 years ago ) and you all were with XXXX XXXX things. I am writing to you today because I had major fraud charges against my account and provided ample evidence showing such and they seem to just not care. It's rare I look up an executive at a major firm to write an email like this. I don't want to make a long story short but basically, I got in a major accident in XXXX and had to have XXXXXXXX XXXX XXXX XXXX. The hospital in XXXX took my credit card and charged it to beyond $ XXXX. I would be okay with that except for the fact they promised to only charge {$5000.00} on it. Now here is where things get interesting : After they charged me the amount of money they did : In the emergency room they told me that it was going to be {$5000.00} to operate and keep me XXXX. I agreed and gave them my credit card and went into that XXXX that XXXX. I stayed in the hospital XXXX and when I awoke out of XXXX the next day I had to get to an airplane to get back to the united states. Now they gave my credit card and items back out of XXXX. When I checked the American Express Bill I had 3 charges : - {$1900.00} - {$6500.00} - {$1300.00} Totaling : {$9700.00} Now I have proof I sent in they also billed the Insurance Company for XXXX They are double dipping. Getting my credit card charges of {$9700.00} + XXXX So when I disputed it they keep siding with the Hospital in XXXX, XXXX. When I keep providing proof to the disputes team they keep saying the charges are justified. They are literally running away with both more money then they should but also over charging me in the first place. I placed a response with CPBF and working at XXXX XXXX I know that can help. But the team was smart enough to say we are still investigating, even though they closed out some of the disputes. What I am trying to get at is they fraudulently charged my card, billed my insurance a different amount, and Amex Disputes team is ignoring the fact they are double dipping both my insurance and the Amex card. This is just purely not right. I don't look for C-level emails but once and a while you hear about a C-level actually going there is something wrong here. A hospital took his card, charged him without his consent, billed his insurance to get additional money, and the disputes team wants to take the easy way out and not deal with it. It's been a nightmare of a scenario especially because I had to have the entire XXXX redone from XXXX because of how bad they messed things up. But for some reason the Disputes team just refuses to take the facts in and keeps accepting that the XXXX XXXX, even with documentation from the insurance company, everything is normal. I hope this reaches the right group so they can really understand that this is not okay.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I discovered that some of the information on my credit report was incorrect when I reviewed it. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : AMEX XXXX
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of American Express has been reporting negative information onto my consumer report. The negative report says " AMERICAN EXPRESS has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on XXXX data '' Please be advised. I am aware This is EXTORION.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The American Express e-gift card is unusable. I have tried the card several times at both online and in-person retailers, and the card has been declined each time. I have called customer service six times, and each time, I am told the card is fine and it is simply the retailer 's security practices. Simply put, the gift card can not be used at local restaurants or retailers such as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and more. The amounts hav varied from {$85.00} to {$1200.00} USD. Customer service has tried to remove security holds and confirmed my available balance was sufficient to cover each of the above transactions. I asked customer service to try to reissue the gift card, but was told that since it is a e-gift card, they are unable to issue a new card. I then requested a refund and was provided a case number ( Case # XXXX Refund request ) and received an email from the support department stating they are unable to resolve my issue and must call customer service yet again. Round and round we go, with no resolution in sight. The gift card is worthless and a full refund of {$1500.00} is the only resolution at this point.
Company Response:
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX, I am writing a second request to have my reporting status updated with the Credit Bureaus. I was a customer American Express and held a XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed dated XX/XX/XXXX. Upon referencing my updated credit report It is currently states. " Your account has overdue payments. Pay the minimum amount to avoid a charge off going to collections ''. When applying for credit, it seems as if this delinquency is current in which this is a Paid Charge-Off ''. As previously mentioned, I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed. On a previous occasion, I had requested to have my status changed and was not as successful however, on this occasion I would like yo have my payment history to be neutralized as it affects my ability to grow with your company as well as other lenders or update my history to reflect that this is not currently a past due account across all three bureaus. Thank you for your cooperation in this matter.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A private ledgering instrument was sent to AMERICAN EXPRESS Card Services for the account number XXXX, they credited my account for {$10000.00} for payment sent in May and processed the XXXX of payment on XX/XX/XXXX which was the XXXX of payment of {$10000.00} has since been reversed on XX/XX/XXXX over 60 days saying it was declined, I've ask American Express to please return XXXX of payment and documentation of the decline XXXX of payment so that I may address the issue of payment, instead they have kept said XXXX of payment and have since securitized it and no longer possess the XXXX of payment. Please see the attached sample of all documents and the need to correct their billing error. I have also instructed AMERICAN EXPRESS Card Services to contact the IRS commissioner if they do not understand what to do with XXXX sent for this account # XXXX. Re : XXXX OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX XXXX XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the XXXX of payment of {$10000.00}. I also sent an additional XXXX of payment of {$15000.00} and it was received however when I logged onto my online account I did see where they have the {$15000.00} in XXXX and that is also attached, Then I sent a payment by money order of {$15000.00} and that was never credited nor returned. Now American Express has over {$40000.00} in XXXX of payment credits not applied to my account. In XXXX of XXXX, another form of XXXX was sent in the amount of {$40000.00}, hereinafter XXXX, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service, and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said XXXX of {$40000.00} and the XXXX of {$40000.00} accepted by the IRS to send credit to AMERICAN EXPRESS Card Services. Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has XXXX private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made payment towards bill. Bank took payment. Company took the money still placed a hold on my card and couldn't use it. Still can't use it. Customer service does nothing but give you the XXXX number which they hangup on you constantly.
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of American Express carrying a XXXX XXXX and have always held your services in high regard. I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with American Express. Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that American Express takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that American Express is known for. I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A