Date Received: 2023-09-22
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: Merchant : XXXX XXXX XXXX XXXX Ref : XXXX - Disputed Amount : {$31000.00} USD Ref : XXXX - Disputed Amount : {$610.00} USD Please allow this letter to be the explanation for the two charge above. I and my father went to XXXX XXXX XXXX XXXX for my father treatment on XX/XX/XXXX. Initially when we came to the hospital, as they dont know how much for us to pay at the end they asked me to sign a authorization form for the credit card and they put a hold for XXXX XXXX which is {$31000.00} USD to my card. This is why the {$31000.00} USD transaction is showing up on XX/XX/XXXX on the first day even though my father did not get the treatment from them. The treatment started later on that day, and completed with a XXXX and my father had to stay in XXXX for 1 day and get discharge on XX/XX/XXXXXXXX ( see attached ). Right before the discharge, they asked us to pay in full before we go back to our country because were international visitor. We then came to the counter to pay them in Cash for the amount of XXXX XXXX which is {$31000.00} USD and XXXX XXXX which is {$610.00} USD. I paid XXXX XXXX in cash even as XXXX dont have denomination of XXXX cent and we did not have the cent so we rounded up. We was supposed to pay only XXXX XXXX. They then allowed us to discharged and go home. Please see the email below they sent on XX/XX/XXXXXXXX to me confirming the cash payment and let us go on discharge day just ' minutes after the discharge. They claimed in their response to AMEX that the email and documents I provided are not valid, however, those documents were printed directly from XXXX Service and directly from their email. If they say its not valid, why does it come from their email that match what is provided from their website and in their document. They did not answer part, they claim the email is invalid without any proof or evidence. The address and email match with their info on their website. Moreover, the proof from them does not have my name or my father name or anyone that associated to this card. I think they got the wrong file from another patient as you can see the last page of their response, they include a credit card authorization form for. I dont know who are XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . This must be the mistake from hospital as they take a different profile to process my case. Again, my XXXX name is XXXX XXXX XXXX as document from them provided to you. Therefore, both of my dispute are valid and I should get my money back. Moreover, their evidence is invalid as it got the wrong name on it. Also they just make statement without any evidence. Please help me get my money back. All the above mention evidence are attached to this PDF letter below. AMEX just never do their job. Everytime I re-submit the claim with evidence, they don't even take a look and just denied my claim on invalid evidence with wrong name that merchant sent back in XXXX. AMEX does not respect the customer answer. Sometime, the agents are even discriminating.
Company Response:
State: WA
Zip: 98023
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 your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX, I requested to reallocate {$20000.00} of credit limit from my Amex XXXX card to my newly approved XXXX XXXX XXXX card using XXXX 's online tool. The credit limit was deducted from my XXXX card, but never arrived on the XXXX card. On XX/XX/XXXX, I called the number on the back of my card to inquire about the status of my reallocation request. The customer service representative said the systems shows the reallocation request has been approved, but they weren't sure why it hasn't showed up on the new card. I was put on hold while they investigated the issue, and after about an hour I was told the issue requires further investigation, and their supervisor will call me within XXXX hours with an update. As of today ( XX/XX/XXXX ), I have not yet received any update from XXXX, and the {$20000.00} of credit limit still hasn't shown up on my BCP card, nor has it been returned to my XXXX card.
Company Response:
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-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: I received a rewards american expressed virtual pre-paid card on XX/XX/2023. It was for {$25.00}. In the cardmember info it says " Use at U.S. merchants that accept American Express Cards. '' I attempted to use at XXXX and it was declined. I also attempted to use it at asos.com and it was also declined. I called the customer service number listed on the card ( XXXX ) and asked why my transactions were being rejected even though I was spending less than the {$25.00} amount on the card. The representative stated that the amex card is unable to be used at XXXX due to security measures and did not offer any more explanation. I then asked for examples of retailers that would accept the card and he stated that he was unable to answer that question.
Company Response:
State: IL
Zip: 60611
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: 2023-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: American Express previously suspended my access to my BlueBird and Serve prepaid cards which was an automatic action their algorithm did. They reactivated the cards following a CFPB complaint I just issued a week ago. However, they left the Add Money Via Debit/Credit Card feature disabled. When I was trying to get the accounts reactivated as a whole one of the reps sent me an email that would allow me to activate the debit card add feature by verifying my ownership of the card I was adding by sending a scan of both that debit card, and my drivers license. The only issue was at the time my account logins were still deactivated due to the algorithm but that caused this all and I could not login with the link the rep sent as it required me to have a working Serve login. So, I am requesting that American Express *FULLY* reactivate my Serve and Bluebird accounts ( as I requested in the previous CFPB complaint ) by reinstating the debit/credit card add money feature. I will attach a copy of the email the representative sent to my offering to fix this problem. All of your phone reps act as if they are totally unaware of this process and are advising me I am permanently banned from the service. ( the reason for that is never given and I have no earthly clue why that would be ). Serve card number : XXXX Bluebird card number : XXXX
Company Response:
State: MO
Zip: 65401
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Received an American Express {$200.00} gift card as a bonus in XX/XX/2023. First card didnt work so a replacement was issued. The second card worked once in XX/XX/2023 for {$49.00} and since then had been declined at every major on line merchant as well as in person at several large chains including XXXX, XXXX and XXXX. I called American Express gift card services who basically told me to keep trying merchants until it works. Wow!! Id expect this from some small time gift card but American Express. I have since found out from several on line reviews that this is part of a larger pattern by American Express. This problem happens all the time and American Express seems unwilling to fix the problem.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB, American Express is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I spoke to the Customer Service department on XX/XX/XXXX. I told them my request to update reporting and remove late fees would be reviewed. I have no correspondence for Amex ; they have closed all my accounts based on a review of my recent credit report dated XX/XX/XXXX. I had these accounts for XXXX years with no late payments until Covid - 19 Pandemic in which I have been unemployed for the past year. My unemployment benefits ended in XXXX XXXX XXXX. For the following accounts. AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact date XX/XX/XXXX Credit Limit {$7200.00} Before XX/XX/XXXX / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Contact date : XX/XX/XXXX Credit Limit : {$4900.00} Before XX/XX/XXXX, / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact Date : XX/XX/XXXX Credit Limit : {$2000.00} Before XX/XX/XXXX / NEVER /LATE No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - XXXX days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to XXXX days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, Account number XXXX
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have 2 American Express gift cards with low balances and I can not find a store who will take them. Even the stores that took them the first time will no longer take them
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: no store will take the prepaid card
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I used the " send & split '' feature in the American Express ( Amex ) app to request {$930.00} USD from my husband through XXXX. My husband accepted the request which transferred the money from his XXXX to my XXXX. XXXX XXXX automatically transferred {$930.00} to AMEX and it was properly credited to my AMEX account from XXXX on XX/XX/XXXX. ( XXXX Transaction ID : XXXX ). This is how the send & split feature is supposed to work. However, in an email correspondence from XXXX on XX/XX/XXXX XXXX from XXXX stated the following. " In XXXX, XXXX had some technical issues where some transactions were duplicated. '' Due to this technical issue, on XX/XX/XXXX the request for {$930.00} was duplicated to my husband 's XXXX account and he responded to the request, thus withdrawing another {$930.00} from his XXXX which was successfully transferred into my XXXX account as verified by XXXX Transaction ID : XXXX. As soon as the money entered my XXXX account it was automatically transferred by XXXX to AMEX under XXXX Transaction ID : XXXX. However, this money never was credited to my AMEX balance. Therefore, I am owed {$930.00}. I contacted XXXX on more occasions than I can count to resolve the issue. Upon review of XXXX XXXX Office of Executive Escalations in an email on XX/XX/XXXX they stated " XXXX successfully sent the {$930.00} USD payment to your external wallet AMEXP2PPASS ending XXXX. '' I asked XXXX to clarify what this AMEXP2PPASS account was, as it did not match my AMEX account number. XXXX 's response on XX/XX/XXXX stated : " The account ending in XXXX is AMEXP2PPASS. This is an external wallet with American Express. XXXX does not own that account and can not provide instructions on how to access it as it would be with American Express. '' Upon requesting more information on this account on XX/XX/XXXX XXXX stated : " Due to the privacy and security of our customer accounts we are unable to see the full account number. However the last four are XXXX. '' Followed by the statement " We successfully sent the money to the account mentioned above and we do not have the funds in our possession. '' I then contacted AMEX on various occasions to resolve the issue. AMEX requested the following information : " If you paid with a non-American Express online account/third-party vendor or bank/wire transfer, please send a transmittal form, which you can obtain from your financial institution. The transmittal form should include the bank routing and transit numbers as well as the American Express account number to which the money was credited. '' When I contacted XXXX to obtain such information their response was : " As XXXX is a payment platform, we do not have a routing number that we can share. We only act as a medium through which transactions can be processed. '' I shared this information with AMEX and I uploaded all the correspondence I received from XXXX to help clarify the issue. Yet, AMEX closed my case three times with no outcome.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A