Date Received: 2023-09-19
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 reached out numerous times to Amex credit card XX/XX/XXXX, a week after and XX/XX/XXXX about a dispute charge of {$490.00} from a merchant XXXX XXXX XXXX XXXX ended up refunded. Neither the dispute or the refund from the merchant were ever posted on my account. Case ID # Case ID - XXXX and XXXX are cases from XX/XX/XXXX indicates that a rep from Amex via chat, processed request to transfer the credit balance from XXXX account to another. As well as the {$490.00} to be posted and also transferred to another account that currently has a balance. They keep telling me that it is still in process, after they told me it will take up to XXXX hours for the transfer requests to be posted and said I should wait until XX/XX/2023. I waited and nothing happened. I chatted with someone from Amex via chat on XX/XX/2023 and they stated that they will submit a review request.
Company Response:
State: KY
Zip: 42303
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$10.00} American Express gift card as a reward from my apartment complexs reward program. I attempted to use the card at a XXXX of online stores, and it was always declined, even though the items I was attempting to buy were much lower than the balance on the card. I tried calling but could only speak to the automated assistant, which mentioned that it could be that the store has to hold an additional 20 % to use the card, but even when I tried to buy something with just a few dollars on the card, it still would not work.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently received a {$2600.00} prepaid gift card from American Express. I have tried to use it angain annd angain, and it is not accepted from ANY vendor ive tried. The card transaction has declined, or shows as pending for days at a time, online and in stores. In person talking to the merchant, they accept Amex, enter all the details correctly and security codes are correct. They say to request authorization from Amex. Speaking to Amex customer support has taken 20+ hours and they say it has sufficient balance and do nothing. Their recommendation is to try somewhere else. They are unwilling or unable to verify or authorize the transactions, they just say it works. It does not work. Doesn't work on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The card is in fact verified and has been checked by support multiple times, when I check the balance, the amount is more than sufficient. I've talked to customer support for hours ( including a manager ) and they refuse to give me a refund or tell me where ( if anywhere! ) I CAN use the card. Its worthless and unusable, even though Amex has already been paid for the amount!
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are multiple fraudulent inquiries on both my credit report and my XXXX XXXX XXXX consumer report XXXX XXXX XXXX dates are as listed : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My XXXX credit report shows fraudulent inquiries on the dates of
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I applied for the AMEX HILTON HONORS CARD, on XX/XX/, based on a Welcome Promo Bonus of XXXX Reward Points & a Free night stay! The offer showed up when I 's logged into my AMEX account. I 's instantly approved & received the physical card in the last wk. of XXXX, XXXX. Per XXXX XXXX XXXX XXXX XXXX to meet $ XXXX XXXX in three months to qualify for the bonuses! However, I met the XXXX of XXXX $ XXXX in the very first month of receiving the card! To this date, the PROMO BONUS of XXXX Reward points & a free night stay has not been posted to my account!! Repeated calls to AMEX were an exercise in futility! No one from AMEX CSR ever contacted me in whichever way/form! All contacts were instigated by me! What a pathetic display of XXXX from AMEX!! Furthermore, I 's denied any interaction with the Complaint Review Team! Only reason, I 's given for denial was a pop-up I 's supposed to get during the application process, alerting me of my ineligibilty! Of Course, I never received such an alert, otherwise, my common sense dictates, I would have aborted the application process!! Only reason I applied for the XXXX card was to get a head start with the Promo Bonus! Please do'nt hesitate to contact me if you need any further details/documentation! Your prompt resolution to my just & fair entitlement to the PROMO BONUS will be much appreciated! Best Regards, XXXX XXXX XXXX. XXXX, XXXX
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've been an American Express cardholder in the XXXX since early this year. Having 3 business cards and having spent over $ XXXX in the last 3 months on them, I was really satisfied with everything. Eventually my card ended up in a financial review for 2 weeks which after confirming everything with my banks & sharing financial documents the account was reinstated. After using the card for a week or so, I made a few payments towards the outstanding balances to reduce the outstanding amounts and to free up available spending. One of these payments ( {$10.00} ) got returned because my bank ( XXXX XXXX ) has a ACH Debit Block security on my account, due to me travelling I had been unable to approve the ACH Debit on time causing it to be returned. Once I found out, I immediately made new payments that did go through. On Saturday I've used the card at the XXXX XXXX, a few XXXX transactions and all of a sudden I receive 4 e-mails stating my cards have been cancelled. After reaching out to the customer service/credit team, it seemed my cards were cancelled due to the returned payments ( to the surprise of the agents on the other end of the line ). They promised me to review the matter and escalate it to the relevant teams for the account to be reinstated, and I'd be contacted on Monday. Since it was almost XXXX already today I decided to get in touch with the credit team myself, they told me the account was showing as eligible for re-instation, and it could probably be reinstated as soon as today, but they had to check with the relevant teams on how to do it. After 30 minutes on hold, I'm being told it's not possible to re-instate the account and that I have to re-apply. Even after asking for the team leader I get the same response, he just apologised for the misinformation and told me to re-apply. Re-applying would cause a new hard pull on my credit and I doubt if I would get approved again for all cards I had given, I have to apply for 4 news cards. It really surprises me that 4 colleagues would have misinformed me about the possibility of re-instating the account, and so do I doubt if my account would really be permanently closed for a single failed payment? Could you possibly escalate this to the relevant teams and look at having the account re-instated? Having an AMEX Card is crucial for our business, and we'd love to keep using AMEX.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: RE : Complaint About Ongoing Fraudulent Fees And Interest Charged by American Express on a closed account ( Account # : XXXX XXXX XXXX ) Copied : American Express, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir, I am following up on my multiple complaints I filed with American Express since XX/XX/, regarding fees being charged on closed account and still have no resolution. I closed my credit card account # XXXX XXXX XXXX. However, I found in XX/XX/ that despite the account being closed I was charged a annual renewal fee of {$95.00}. I called the customer service to point out the error on XX/XX/XXXX and requested for the correction. Recently I learned in XX/XX/, that the previous in-correct fee charges were still not removed several months after I brought the error to their notice. In addition on XX/XX/, I have fraudulently charged addition {$39.00} late fee for not paying the previously disputed incorrect fee of {$95.00} charged in XX/XX/. I am demanding American Express to immediately correct the fraudulent fee totaling to {$140.00} and any associated interest charges on already closed account. I am also demanding immediate end of American Express harassing practices, to impose fraudulent fee and impose additional fraudulent charges on top of the previously fraudulent charged fees that re already disputed. XXXX XXXX XXXX XXXX
Company Response:
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I'm trying to use this american express reward card to buy XXXX e-giftcard regardless what amount I still get declined. It did a pre-charge but unable to go through each time. I did it 4 times and still get declined. The total amount is still less than the reward card balance
Company Response:
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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 have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Last XXXX I booked a first class flight through American Express Travel. This was an XXXX XXXX flight from XXXX to XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX for a value of {$1000.00}. I unfortunately was injured and was in the hospital for an entire month and was still too unhealthy to travel at the time of the flight and cancelled the flight fir a credit. This XXXX, the flight was set to expire and I was still unable to fly. Per the advice of American Express, I got XXXX XXXX XXXX and submitted to XXXX XXXX for either an extension or refund. I called American Express for status and a voicemail was left on my phone that I would receive a refund ( attached ). This refund never came through and after XXXX weeks of review, American Express denied the claim. I did not use the credit because the voicemail advised that I was to receive a refund and lost the money.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A