Date Received: 2023-09-25
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I currently and have been a card holder with XXXX and active account and card all attached to my app and email on my phone. Also all my primary info is update and current and accessible So if any changes or new cards or deposits or new information was added or XXXX has all of these way to notify me as such. With that being said I filed my tax return with my preparer from XXXX XXXX XXXX XXXX XXXX this year XXXX XXXX did my return again this year This year he sent me notice of my returns approval followed for a request of my direct deposit info. Before i could answer back he said I took to long and that he had the return going to a XXXX XXXX and that I should receive in few weeks well he stopped answering my calls and so did XXXX XXXX XXXX so when the card never came I finally got my transcript showing it was deposited in XX/XX/XXXX After remembering he had said it was XXXX I had called them directly to see if maybe a new account had been added under my name and sure enough the operator said yes it was at XXXX and that my return had been on that card she also informed me that not only was there a different address but email as well I ask her to give the new info to me and she said that they could not give me that information on my account and she would not I asked why not if its my account that makes No sense then she hung up on me Then the operator was supposed to remove the new changes but she failed because as she had started filing all 39 charges they were also notifying him of the dispute i had to call back three time to have it fixed and then not only did they patronize me to the point of tears the escalated supervisor keep tell me why I was repeating my self and that to stop but I was only responding to her question she was horrid I couldn't answer anything about a card I never received I disputed all 39 charges twice both were declined with this response from XXXX ... ..... Account ending in XXXX Hi XXXX XXXX, Recently you inquired about your charge ( s ) from your XXXX XXXX in the total amount of {$7600.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. You have the right to review any documents we relied upon in making our determination. You may request this information by writing to us at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks, The XXXX Team I also provided the police report from XXXX Texas from Officer XXXX # XXXX case number XXXX And my Identity theft case reference number XXXX At no point should any changes involving my account and ssn with out me getting a notice should of been possible They had many ways to inform me and due to there negligence on my account he was able to take all of my return and there is XXXX that is missing in the dispute from my return amount to the disputed amount
Company Response:
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased an amex giftcard with the amount of {$30.00} on it. When I went to use it, it would not work anywhere online. I tried it on XXXXXXXX XXXX XXXX XXXXXXXX and it did not work. It keeps telling me " authorization failed ''. I made sure that my total was under {$30.00} so I know its not about insuffiecient fees. I did some research online and found out so many people have had this problem on trustpilot. This is a disgusting company that is so obviously a scam. I have provided multiple attachments as proof. This is XXXX. If I do not receive a refund, I will have to take legal action to get my money back.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
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 paid for a service with XXXX XXXX American Express.The service what i got from the merchant was not satisfactory but Amex could not help.They said the money has been transferred through XXXX and they can not file a dispute at all.I have to contact XXXX.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have an American Express business credit card that has a fraud alert on there and back on XX/XX/XXXX I sent in documents stating who I was and also notarizing a paper that American Express provided to me. I also sent it in a copy of my driving license and a copy of my passport sent who I am and they said that it was gon na take 3 to 5 business days to fix it. Were now at a month And three days and I still can not get a supervisor to talk to me. I get all of these people talking and they said the quickest way is to go through notary cam. I tried that they cant get the questions that come up to ask me, so thats not an option so I went to the bank and today XX/XX/XXXX on the month and three days I got a call from American Express not saying that my card is unlocked. They are saying that they did not accept my documents saying that theyre going to go to that I need to go to a XXXX XXXX or a XXXX XXXX or a bank, which I went to a bank, XXXX XXXX to be exact to get my paper notarized, and I sent it to them
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Over the weekend, I received a text stating the following : AMEX ACCT STATUS - Free Msg : XXXX, did you get our email? Explore payment plans in your inbox or at XXXX Text STOP to unsubscribe. I texted STOP and this is what I received : m Amex Free Credit Msg : You will no longer receive Account Alerts text messages. You may still receive free Fraud alerts. Please call XXXX for Help I tried texting the New Owner of phone number no XXXX here -- no response. I have had this phone number for over 2 years and can not understand how American Express can send out with the account holders name, and indication that their account payment status is Late! Isn't this an invasion of privacy, especially for a phone number that has not been verified in over 2 years! Furthermore, calling that number, American Express confirmed that the account was delinquent, yet stated that the number may be outdated. My concern, had that been my account, why are they giving the NAME and ACCOUNT STATUS VIA TEXT WITHOUT CONFIRMATION ON A PHONE NUMBER ( Confirmation within 6 mos. ). Furthermore, there is no option to state, other than calling, wasting my time, money, etc. to opt completely out, as there is the threat of still receiving fraud alerts. I asked for ID 's of agents and was refused, I was hung up by agents saying I am not an account holder, I asked for confirmation ( in writing ) that I would not be bothered by this company with fraud alerts and was refused. The company thinks it's GOD and has a GOD-LIKE complex they should be fined and policies changed to get to upper management!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I am XXXX XXXX XXXX and have been a customer of American Express for more than two decades. On XX/XX/2023, I called American Express and asked for a loan payoff to close the account. I recently retired and began to streamline my financial obligations. I was told the amount I owed, and I wired those funds on that same day and closed the account. I received no communication from American Express in XXXX and in XXXX I was notified that my payment was past due. I called American Express and told them that I was the victim of fraud since the account had been paid off and closed on XX/XX/XXXX. I didnt make any purchases. I did not hear from American Express until XXXX when I received a past due notice. I called American Express on XX/XX/2023, and repeated my fraud concern. Only then did I learn that American Express had determined there was no fraud and closed the fraud investigation. I learned that American Express had charged my closed account with a membership fee ( which is now reversed ) and the past due charges were two late fees on an account that was paid off pursuant to information that American Express provided and that account was canceled. American Express lacks sufficient internal controls. American Expressed charged a membership fee to a closed account. How is it possible to post charges to a closed account? This was done by American Express for their own benefit and to the detriment of their customer. Lack of communication. American Expressed has not communicated with me with a statement, phone call, or other method since the account was paid off and closed, despite an active fraud investigation, until the XXXX late payment notice. American Express is alleging that a customer can not rely on the instructions they provide by phone. When I called to cancel the account, I was transferred to an account retention specialist who made comments like closing the account will have a negative effect on my credit score. A seemingly threatening comment.
Company Response:
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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 am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to AMERICAN EXPRESS XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased XXXX American Express XXXX cards online via my XXXX account on the XXXX app. A {$100.00} American Express egift card was purchased in XXXX XXXX and the other, a {$25.00} egift card in XX/XX/2023. Both cards allowed me to make several transactions online ( I made purchases at XXXX, XXXX etc ) and then randomly stopped working out of the blue, getting declined both online and in store despite both of them having remaining balances. The first card bought in XXXX has not worked since early XXXX, and the second card bought on XX/XX/XXXX stopped working the very next day after I bought it. I have contacted both XXXX customer service AND American Express and the only offer of assistance has been from XXXX who reissued the gift card ( S ) to me to see if that might resolve the issue but it did not. XXXX and American Express both confirmed I have a balance on both of the cards however American Express isn't able to offer me any resolution or reason as to why the cards aren't working and they tell me to contact XXXX. XXXX tells me to contact American Express. I just want my money that's on the cards, one has a balance of {$11.00} and the other, a balance of {$15.00} and it has been impossible to get any further help from either company
Company Response:
State: WA
Zip: 98901
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My family is traveling abroad this Wednesday, and I will not be able to use my card ( Amex gold ) as a result if it is not expedited. Multiple calls to Amex did not get me anywhere.I need to have the card sent to a different address ( where I have already had a card sent to in the past, XXXX XXXX XXXX
Company Response:
State: OH
Zip: 45371
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
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: My account was hacked and hackers made a transfer of {$500.00}. I learned about this issue within 30 minutes. I immediately called American Express to inform about fraudulent charges. American express representative helped me create a new login/password. They also mailed me a new American express credit card. American express representative also created a fraud case ( XXXX ) and informed me that I will receive temporary credit. This fraud case has been open for 5 months. I called American express multiple times to check on status, however I was told that the fraud department has not even started to process my case. I am still getting charged for that fraudulent transaction.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A