Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing again this complaint to AMERICAN EXPRESS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, while logging into my American Express account to review transactions for my Blue Preferred card, I stumbled upon an annual membership fee of {$250.00} charged to my American Express Gold card, a card I had previously considered inactive. At the time, I possessed limited recollection of the Gold card 's details, including its application date and when the membership fee commenced. Immediately, I initiated contact with American Express customer support ( XXXX ) to apprise them of my lack of awareness regarding the active membership and to formally request a refund for the charged fees. Despite my persistent efforts, my refund requests were consistently denied. A subsequent investigation into the matter revealed that I had applied for the Gold card in XXXX. In XX/XX/XXXX, American Express implemented an increase in the annual membership fee to {$250.00}, as communicated to cardholders through written notices. Cardholders were provided with the option to reject this fee increase by contacting American Express before XXXX XXXX XXXX XXXX on XX/XX/XXXX. My personal records, including a to-do list from that period, corroborated my proactive response in XX/XX/XXXX. These records indicated that I had indeed contacted American Express during that time to reject the fee increase and cancel the Gold card membership. Following this action, I never used the card again and thus stopped reviewing its credit card statements. In contrast to my understanding and actions, American Express continued to levy the annual membership fees from XXXX to XXXX, accumulating a total of {$1200.00}. These charges were executed through an autopay link originally configured for another active American Express card. In response to this situation, I sent American Express a formal letter, detailing the events that had transpired and explicitly conveying my request for a full refund of the {$1200.00} erroneously charged over the course of five years. While American Express did respond to my letter by agreeing to refund the membership fee for the current year, I find American Express 's response to be insufficient and not a complete solution, I am therefore pursuing support from the relevant authorities to ensure a fair resolution to this issue.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX, XX/XX/2023, I applied with American Express via the phone and was approved for their XXXX XXXX XXXX American Express XXXX credit card product. On that same day, I spoke with their customer service agent to confirm my eligibility for that card 's welcome bonus promotional offer. That customer service agent 's name was XXXX, and they worked for the XXXX XXXX XXXX department XXXX American Express. They re-confirmed that I was indeed eligible for the welcome bonus promotional offer. By XX/XX/2023, I had accrued enough purchases on the credit card product to meet the spending threshold for the welcome bonus promotional offer. Yet on the latest card statement, I did not receive the offer as expected. I escalated my case to American Express directly on XX/XX/2023. I received the following case number : XXXX. I called American Express again on XX/XX/XXXX and was informed that their internal department closed my case without any further resolution or goodwill effort to compromise. They stated the reason for doing so by quoting a discretionary / vague section of their terms and conditions, despite the fact that I was verbally assured in a recorded conversation that I was entitled to the welcome bonus promotional offer. The agent on the phone refused to help me any further and instead could only give me the investor relations address of American Express : " XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' They told me I should write a paper letter to escalate my grievance further. I did not find this to be an acceptable outcome nor a proper escalation of my case, so instead I am now initiating a CFPB complaint. Personally speaking, I feel like I've been scammed into using American Express 's credit card product and helping their bottom line with the fees that they charge merchants as part of their general business model.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Received a XXXX American Express Virtual Card in the amount of XXXX from my employer. Although the card claims to be valid everywhere that American Express is accepted, it is declined 99 % of the time. I have a Balance of {$300.00} I can not use anywhere. The customer service number only offers an IVR with no solution and no option to speak to a person for a resolution.
Company Response:
State: NH
Zip: 033XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I've had a XXXX XXXX AMEX credit card for many years. XXXX and AMEX advertised and encouraged the use of this card for earning miles, MQM status boost and MQD waver. This card carries a XXXX XXXX/year annual fee. My card renewed on XX/XX/XXXX and the {$250.00} annual was charged to my account. On XX/XX/XXXX, Delta/AMEX announced changes to the Skymiles program that basically rendered this card useless and a waste of money for the annual fee. I immediately called AMEX to cancel my card which they did, however, they refused to refund the annual fee, even after elevating the issue to a manager. I've been a loyal AMEX credit card holder since XXXX. Clearly XXXX and AMEX have been working on this change for quite some time, potentially years. They fraudulently and misleading allowed people like me to renew the card for benefits that would no longer be available in the future.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was given an American Express Virtual Gift Card last year and I have been unable to use this card anywhere, online or in stores. Today, XX/XX/2023, I tried calling the number on the back of the card and this number gives you 4 choices to choose from and I chose all of them and was never given the option to speak with someone. This number would give you recorded information and then hang up. I looked online and received another number, called that one and the gentleman I got on the phone, gave me another phone number that directed me to the same recording as I got when I called the number on the back of the card... This happened twice. No option to speak with anyone. I am able to go online and it shows I activated the card in XX/XX/2023 and it has a balance of {$100.00}, which is what my employer gave me as a gift. I just wanted to know how to use it, because I have tried several times with no success. After reading comments online, I decided to contact someone, because I am going through exactly what others are describing...
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Bought the gift card to use online, but everywhere I use the card online declined it. I tried to check the balance and it said the card was activate, so I tried to contact support but the bot itself kept hanging up the call.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-09-22
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: So, I Recently got an {$50.00} American Express Gift Card as a gift from a friend of mine. I went online and activated it so i could be able to use it online, and in stores. However, XXXX ( XX/XX/2023 ), I tried to buy some digital currency for a game, But it wasn't allowing me to purchase anything. I checked the balance on my card and noticed that every time i tried to purchase something from XXXX, I'd get charged XXXX cents. I previously had {$50.00}, and now i have {$49.00}. I had XXXX cents taken out of my account from failed purchases. I tried to use the card on XXXX instead, but it was still not letting me purchase anything, giving me an error saying that something was wrong with my card. I even tried to go to a store to purchase a snack for myself, but i was never able to. I contacted the number on the back of the account so that i could see if my card was actually activated, and it was. My purchases just weren't going through. I went online and did more research and found out that i wasn't the only one having this issue, and many people haven't found a fix to it yet, so i decided to file a complaint for it.
Company Response:
State: CT
Zip: 06704
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 {$3000.00} American Express e-gift card in XX/XX/2023. I was able to use the card by making a purchase online at XXXX and an online purchase at XXXX XXXX-leaving a remaining balance available on the card in the amount of {$1600.00}. According to the instructions, the e-gift card is supposed to be accepted at US merchants that accept American Express cards, but that's not true at all. The e-gift card is not accepted at XXXX, XXXX, XXXX and the list goes on. I called the customer service number and was told the best way to use the card is via XXXX XXXX in stores that accept it. The card worked a couple of times with XXXX XXXX but is now being declined everywhere I try to use it with XXXX XXXX. XXXX Customer Service for these cards is useless and just gives a big run around. This is total fraud and misrepresentation by American Express. I feel like I'm a criminal at this point, just for trying to use the card to access my own money since it's being declined everywhere. Not a happy experience at all and disgusted with Amex!
Company Response:
State: PA
Zip: 161XX
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: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 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 accounts. AMERICAN EXPRESS XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A