Date Received: 2023-09-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The card can not be used online anywhere and I need a replacement card for in store purchase and the company told me it would be XXXX XXXX XXXX before a replacement can be sent. Today is XXXX They have {$170.00} of my money that I cant access. This is what the customer service rep told me when I called today. XX/XX/XXXX
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX I was approached by AMEX to open a new online checking account. I applied for said account. As of today, ( XX/XX/XXXX ), I have not received a account opening decision. I called on XX/XX/XXXX and asked for a decision. The representative stated my account application was still pending. I told the representative that was unacceptable. I have been with AMEX since 2007, held three different credit cards, currently have 2 lines of credit totaling {$28000.00}, have a personal loan with a remaining balance of {$7500.00}, and this is my second loan with AMEX. Exactly what is there to decide? I have been hounded to sign up for the travel and platinum cards. For AMEX to treat a long term customer, who pays them, is wrong. I know for a fact if I am declined a bank service/loan, the Bank is required to provide me a reason, in print/writing within a specific time frame.
Company Response:
State: IL
Zip: 60177
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
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: Hi, I got scammed by a XXXX XXXX through email. She was selling a XXXX dollar vehicle that I intend to buy. She told me to send XXXX dollars via XXXX XXXX gift cards and later another XXXX for insurance. I paid a total of XXXX without getting any vehicle.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Received a {$50.00} digital AMEX gift card ; website claims the AMEX gift card can be used anywhere AMEX is accepted. XXXX, XXXX, XXXX, XXXX XXXX all declined purchases with the card. Stores will not accept the card unless I had a physical card to swipe, digital online stores won't accept the card period, even if the transaction is less than the card amount. Balance online says it has {$50.00} on it ; activated in XX/XX/2023. Unfortunately no matter how many times I attempt to use the card I always receive an error. I've never had this kind of trouble with a card before.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX, XXXX, credit application denied, adverse action letter presented by Amex.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: In XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. SO INCOMM VANILLA GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY XXXX XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. SO XXXX XXXX GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY BACK.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I've been encountering numerous issues with Amex recently, primarily concerning duplicate charges for which I am fairly certain Amex is at fault. They have billed me twice for the same transaction, even for transactions from the previous statement that I had already paid off. Despite presenting evidence to Amex and engaging in discussions with numerous representatives, I finally spoke with a supervisor who assured me that she would initiate disputes for these duplicate transactions. However, it has been a month, and the charges are still under investigation. Just a few days ago, I made two new transactions, and yet again, Amex duplicated the charges, billing me for a total of four transactions. I find this situation with Amex extremely frustrating at the moment.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In light of the newly acquired information, it is imperative that American Express establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I paid for an American Express Pre-paid Gift cards on or about XXXX XXXX in the value of {$75.00}. The card had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that AMEX needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed AMEX and a representative wrote me an email and said there was nothing AMEX would do after selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate AMEX about this. AMEX is discriminating against me as a minority woman by selling a pre-paid gift card with a XXXX balance on it. THIS IS NOT ABOUT A PURCHASE MADE USING THE CARD. THE PROBLEM HERE IS THAT THE PREPAID CARD CAME IN WITH A XXXX BALANCE.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/XXXX, I submitted the IRS form 4506-C to the request of America Express credit card provider in order for them to have permission to check and verify my tax and income history with the IRS and by that, to determine whether I should be approved for the AMEX Business Premium credit card ( which I've had thru American Express in the past ). AMEX claims that couldn't verify my income due to IRS backlog. When I asked to please wait some more time, they told me they would deny at this time and that I could re-apply for the card within a few months. The issue is that this was my second attempt to apply for the card and this was their second excuse. The first complaint I sent them was last year, in XXXX. See all forms and statuses attached. Please assist. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A