Date Received: 2023-09-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX XXXX XXXX Americna express account unopened XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXXXXXX XXXX XXXX inquiry I contacted and froze all credit Burroughs and started disputes Contacted all creditors and reported fraud I also got XXXX XXXX
Company Response:
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX I made a XXXX deposit to my XXXX XXXX checking account through their mobile app. For whatever reason they decided to place a hold on my deposit. However I made 2 pmts of $ XXXX to pay my AMEX bill PRIOR to finding out XXXX XXXX placed a hold. I immediately contacted AMEX to make them aware and was told no problem they would retry 3 times. I filed a complaint with XXXX XXXX ( response letter attached ). Today I get an email from AMEX stating they closed my account. After holding 1 hourv13 min disconnected, called back speaking with someone who asked me to locate the letter and she disconnected me. Called back 2 hours on hold and told despite letter no can do in reopening account even though it was not my error.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/ an automatic payment went through on a personal loan I had with Amex. Not realizing I had automatic payments set up I made a loan payment as well on this date. Realizing I had made duplicate payments I contacted Amex on XXXX XXXX requesting a refund of the duplicate payment. Was told it wouldnt air 7-10 business days. Did not receive any documentation of this request in writing, despite receiving documentation in the mail or email every time I make a payment or update my information. I contacted Amex again on XXXX XXXX XXXX XXXX XXXX XXXX and was told it was escalated and would be refunded the next week, at the latest on Wednesday, XXXX XXXX I contacted Amex again on the XXXX and was told it was escalated but they had no date for resolution. Was told several times there was no superior person for me to speak to. Was told several times there was no documentation of my request they could send me in writing. Was told several times I would get a call back from a supervisor and I didnt receive one. On XX/XX/XXXX was given an email per my numerous requests for documentation notifying me my request had been escalated, but it did not include the nature of the request or the amount of the refund or the original date the request was made. As of XX/XX/XXXX, funds have not been returned. Next payment date is XX/XX/XXXX.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I've tried to use this digital prepaid card on XXXX, XXXX, XXXX, XXXX and none of them will process the order. They keep saying that the card company has declined and to check my funds. The card had {$26.00} on it, and there are now XXXX {$.00} pending transactions from XXXX ( maybe authorizations from adding it to XXXX XXXX? ). Those are the only transactions I can get to process and I don't even know where they came from. Even if I try to spend only {$20.00} of the funds, the card is still declined. I just want my {$26.00} reward from XXXX to be accessible. It was supposed to be a visa, but I got stuck with this sucky amex.
Company Response:
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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 mobile app from a company named XXXX XXXX on XX/XX/2022. Upon downloading the application I knew instantly that I would not be able to use this. I attempted to call the XXXX number listed on the sales info, but no one answered this phone. I attempted to call both XXXX and XXXX which were numbers I found for this company of the Internet. Neither of these phones were being picked up. I then called my credit card company, American Express, and disputed the charge. In Virginia, you can cancel a sale within 72 hours without a reason. Somehow, some way XXXX XXXX found that I disputed the charge and got American Express put the charge back on my card. When my credit card bill showed up and this charge was still there I called American Express irate telling them my dilemma and asking that this charge be removed and a second dispute was started. As of today, the money has never been credited back to my American Express account. I have emails from XXXX XXXX claiming that they have returned my money. I am now caught in the middle. XXXX XXXX says they returned the money and American Express said they did not. I want to know what I can do to move this to resolution before handing it over to my attorney where this will get real expensive for one or both of these companies. I am including emails I have from XXXX XXXX ( XXXX ) stating that the dispute was found in my favor and they have credited the money back. Of course, upon asking them for proof they say that this letter should serve as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Company closed account, will not give me the XXXX $ in the account, American Express XXXX XXXX XXXX, I was told to initiate a recall with the original funding source, this does not exist, spoke with XXXX of XXXX for XXXX XXXX that was original funding source, recall funds does not exist, never has, and never will, American Express is holding onto my money.
Company Response:
State: CO
Zip: 80601
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Was charged {$800.00} in annual fees on two cards, {$550.00} and {$250.00} respectively. Creditor closed account mid annual fee, was told they refuse to refund charges based on either in its entirety or prorated. Was told this is not per their terms and conditions. However, in a chat the company has stated they waive fees during a 30 day period post fee being charged. American Express submitted an escalation but told me they will not reach out to me either by phone, email or by mail with the results.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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 recived an email from AMEX for XXXX XXXX XXXX, I know my credit is horrible and will not quailfy for approval, so there was a XXXX XXXX ran to bring m y score down through XXXX, I am trying to build my credit and this credit company is preying on me through my business name XXXX XXXX XXXX XXXX, to lower my XXXX XXXX, please provide a dispute so I can remove this inquiry.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Amex cancelled my credit card after 3 years of being with them with no prior notice. And the only option they keep advising is to apply for another card. A credit manager named XXXX advised that they can not reinstate the card because it is not an option and AMEX is not reinstating cards at this time. They stated that it was due to a return payment back on XX/XX/. But the card was not cancelled until XX/XX/ more than enough time to advise of this action. Amex also prematurely withdraws funds from banking accounts they state that it will take 1-2 business days for the ACH but present the payment to financial institutions within hours and then charge return payment fees on the accounts.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In a letter dated XX/XX/2023, American Express ( AE ) suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address. Attached hereto is a copy of the letter. I have never been notified of this in the more than forty-five years as a Card Member. AE has always maintained my business address for my business card and has never requested my physical address. On XX/XX/2023, I called AE to demand my business card be reinstated and after thirty minutes of being passed around, I spoke with XXXX, supervisor located in North Carolina. The call was consented taped recorded. In speaking with XXXX she stated AE suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address as required by Federal guidelines. I questioned XXXX what were the Federal guidelines AE is asserting as a reason for suspending my charging privileges. I asserted that the letter did not cite any authority to base their decision. And requested to cite the authority that requires I provide a physical address when my credit card is for business only and AE has always maintained my business address. XXXX failed to cite or assert any authority and stated she does not know of any federal guidelines to cause my charging privileges to be suspended.
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A