Date Received: 2023-09-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I see a charge appear on my credit card without me using it to make a purchase. I notice a charge of XXXX XXXX from XXXX appearing on my credit card before the transaction was completed, I also see a warning saying that I don't have sufficient payment history and an immediate payment of {$2800.00} is demanded.I already reported similar incident that happened with XXXX charge appearing on my statement without a purchase made CFPB case XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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 have not received purchased merchendise from the company " XXXX '' and disputed the charge ( dispute XXXX ). Amex sided with the merchant twice when the merchant only provided a blurry printout of a tracking number which didn't reach my house ( either it was a fake tracking number or it was stolen by the carrier ). I can't launch an internal carrier investigation since I'm not the shipper, only XXXX can do that but their support refused to help me. I provided a police report stating I haven't received anything but Amex still sent me the same denial with the exact same response from the merchant. I think they didn't read any appeals and just sided with the merchant by default. This company " XXXX '' is known for it's fraudulent practices of failing to fullfill orders and it's customer support is nonexistent so I don't understand Amex 's insistence to protect them. My police report can be viewed by visiting the XXXX County Sheriffs Office website below and entering my personal details ( XXXX XXXX, XXXX, XXXX XX/XX/1990 ) https : XXXX? XXXX
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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: On XX/XX/XXXX, I attempted to return a phone to XXXX for a refund. I received an e-mail from XXXX that the refund was denied because the box was empty ( which they had a picture of ). I called XXXX customer care and the agent reviewed the video and the shipping details and assured me that a refund would be provided because the shipping weight of the package showed that the phone was stolen in transit. On XX/XX/XXXX, I received an e-mail from XXXX saying they would not refund due to it being an empty box. I mentioned to them the shipping weight conversation, but they declined to refund and told me to file a claim with XXXX. When I contacted XXXX, they told me the payor of the shipping label had to file the claim. When I responded to XXXX with this information, they no longer responded. I filed a dispute with American Express with documentation that included evidence of the shipping weights. Despite this, American Express ' response was that I was responsible due to the empty box, and that if I had any proof I had shipped the phone, I should provide it. I reopened the dispute with American Express and once again provided documentation of the shipping weights. This time, American Express response was that I was responsible because the shipping weight was heavier than XXXX expected. This is in direct contradiction to the first response that it was an empty box! I reopened the dispute once again pointing out that these XXXX responses were in direct contradiction. American Express responded that I was responsible unless I had proof that XXXX had promised a refund ( alluding to the initial call I had with XXXX ). American Express did not investigate my dispute in good faith, and keeps changing what proof I need to provide, and has put the onus on me as a single customer to prove that I had returned the phone despite XXXX being a XXXX XXXXXXXX company that has the ability to file a claim with XXXX, and also the ability to track/brick stolen phones.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I was charged by XXXX XXXX in the amount of {$7200.00} Sometime in XXXX I called to dispute this charge as the communication between me and merchant was minimal at best, and the work I paid to have done had not been completed. Around that same time my account was adjusted to reflect a credit of {$7200.00} while you investigated the issue. You also removed the payment from the Merchant and that is when the communication picked back up. On XX/XX/XXXX the work was preformed and I called to cancel my dispute with the Merchant I was then instructed by your team the adjustment on my account would be removed, the charge date would remain the same ( XX/XX/XXXX ) but it would show a new post date of XX/XX/XXXX. After waiting the 7 to 10 business day I was told it would take to reprocess the payment to the Merchant, the Merchant still has not received the funds. I have been charged and paid my account balance for the amount in question. The Merchant, who uses XXXX, has not received the funds from this resolved dispute. XXXX has no record of American Express trying to send them any funds either. I have spoken to multiple people at American Express as well as at XXXX however, no one is talking to each other. I am doing all the talking between the companies and something is systematically wrong between Amex and XXXX preventing the merchant from receiving his funds. My dispute is not The expected goods or services have not been received, the dispute is American Express has {$7200.00} of MY MONEY and they have not paid the Merchant. Where is the money?!? Follow the transaction numbers and figure out where the money is either stuck, or was wrongly deposited. Someone from American Express needs to contact the merchant ( which I was told would be done and to date they have not heard from you at all ), contact the merchants account processor ( which is XXXX ) and get the issue resolved. Find the money I have paid, and deposit it into this account.
Company Response:
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2023, I won an American Express prepaid gift card for {$50.00} through a game offered by the XXXX XXXX. The XXXX XXXX has mostly awarded XXXX prepaid gift cards through this game, and those have always worked fine. The American Express cards have always been trickierif I wanted to buy an XXXX gift card, for instance, I'd need to spend less than the full {$50.00}. But now the American Express card won't work anywhere I try it : XXXX, XXXX, XXXX, XXXX, XXXX, etc. When I call them, they cite " security '' as a reason the card won't work on XXXX. But XXXX is America 's largest online retailer by some margin. American Express says on its website that cards " may be used virtually anywhere in the U.S. that accept American Express Cards. '' A reasonable consumer would certainly expect this to include XXXX, let alone XXXX, XXXX, XXXX, and XXXX. I would like them to just send me the moneyI have already spent more than {$50.00} worth of time addressing the problem but I imagine they are just sitting there happily collecting interest based on other people 's money that they have made difficult to access in the name of " security. '' ( Their customer service hotline even includes an unusual exercise in the name of " security, '' where you have to push the correct number. This is not a something legitimate financial services providers do when you call their customer service numbers. )
Company Response:
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I made a purchase of {$9400.00} on my credit card. I read about a repayment plan that allowed me spread large payments up to 24 months with no interest. Once Id made the charge though they told me the repayment plan is actually only up to 3 months. I spoke with American Express customer service on XX/XX/2023 at approximately XXXX. They told me that offer had changed and that no one could manually update it. They then tried to convince me to pay off the charge with my monthly APR and just told me no one has no control over the repayment plan.
Company Response:
State: IN
Zip: 46218
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express : offered me ( business card ) XXXX Skymiles if I spent {$5000.00} over 3 months. I fulfilled the requirements and only received XXXX Skymiles. And, I was offered XXXX points if I spent {$3000.00} and stayed XXXX nights at a XXXX XXXX. I spent the more than {$3000.00} and stayed at XXXX in excess of the XXXX nights. Amex informed me thereafter, that because I had a XXXX XXXX card- they would not honor their offer. When I applied for the Amex XXXX XXXX, Amex did not provide any information concerning whether or not I had a XXXX XXXX with another entity.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXX 's, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have been trying to use my Amex e-card gift card online for the past several months. I have talk to the customer service reps and used your web site to try to resolve this problem. Telling me to find a retailer who accepts this card was your advice. What a joke! No one takes it. XXXX, XXXX, XXXX XXXX, and many more declined it. I was issued this card as a refund from a warranty on a product. I would like a total refund of my XXXX plus dollars. This is down right theft as I can not use the e-card issued.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A