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 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
Date Received: 2023-09-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX I was browsing for credit card offers to choose one, specifically with the intent to submit a balance transfer from my XXXX ( XXXX XXXX XXXX XXXX ) credit card. After research I chose American Express Blue Cash Everyday credit card, as it seemed like the best card for this purpose, offering 0 % APR for 15 months on balance transfer. After I got approval I visited the American Express to submit my balance transfer request. When I entered my XXXX credit card information it returned an error code. I called American Express about the issue and after some troubleshooting they were unable to enter it as well and I was told they will escalate and reach back within 4 weeks. After the 4 weeks passed I did not hear back so I called again and the representative seemed dumbfounded and did not understand that this is an ongoing issue and I was calling for a status update and treated it like it was my first time calling. They had me go through the troubleshooting yet again even though I stated I already did that and eventually said they will look into it and reach back in 4 weeks with a solution. I explained that I had already gone through this process and asked if I can speak to someone else, they declined and said Ill hear back when they have more information for me. Yet again, 4 weeks passed and they did not reach out to me at all like they said they would. So I called to check on the status and again they acted surprised as if there was no prior calls to follow up on! When they tried to troubleshoot again I told them Ive already gone through that 2 times already and would like to speak with someone else since Ive already tried multiple times to get a solution and nothing has come out of it. They denied my request and said they will escalate and look into it and I should hear back in 6 weeks. This was on XX/XX/XXXX with it already being my 3rd call to them and every time I am just told well look into it and youll hear back from us even though I never hear back from them and when I initiate the call they act as if its the first time Im calling with this issue. On XX/XX/XXXX ( far past the 6 week window ) and again not hearing from them I called again. When I told the representative Im calling to follow up he said he did see notes from my previous call but there had been no solution found ( no one had actually looked into it all this time! ) I was put on hold as the representative spoke with multiple people from different teams and eventually came back to me with sorry it took so long to get to this solution but unfortunately there is nothing we can do The calls in order occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had also reached out to XXXX to see if there were any issues on their end and they said no and they would accept the request once it was submitted on American Express end. Nowhere on American Express cardmember agreement states that they wont accept XXXX balance transfer. XXXX is a VISA card which under American Express terms should be accepted with no issue. The sole reason I signed up for American Express was for this balance transfer and they are unable to assist me in any way after months of back and forth and no solution. The amount is for {$5500.00}
Company Response:
State: IL
Zip: 62002
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: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Called American express because I received a card in the mail ( old address, parents house ) with my maiden name. The card was active and the letter had an account number on it. I called and canceled the card and requested to speak with someone to report it because I did not open the account and I did not apply for the card. They told me there were no notes on an application being opened by me and I asked them why they would approve me then. I was transferred and then told an online application was submitted XX/XX/XXXX. It concerns me that originally there was no application and when I pushed further suddenly there was. I was told the card was cancelled on XX/XX/XXXX but called back on XX/XX/XXXX and was told they just escalated the situation and cancelled the card, so I was lied to. I was told on XX/XX/23 they would send me an email stating I did not open this account and that an investigation was being opened. I called back on XX/XX/23 and was told they don't send emails confirming that. I keep being told different information from American express and they have not been helpful in figuring this out. This is their responsibility, they are the ones who approved me for a credit card with a {$20000.00} limit and sent me an active card in the mail. They didn't verify the application when my legal name and current address wasn't even used. I also called XXXX who never received any notice of my SSN being used or taken. All of this makes me strongly believe that someone in American express is the one who illegally opened this account under my name and sent me an unsolicited credit card. I have attached a documentation stating everything I have done since yesterday when finding out about this credit card and have stated every interaction I have had with American Express. If they are not the ones who illegally opened this account under my name, they are still being negligent in this process and are making it very difficult for me as the consumer to ensure I have all the evidence I need to protect myself.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am a XXXX XXXX AmEx continuously denies my request for SCRA reduction in CC fees. I apply online ; they send me an email rejecting it ; I call them and they open up a service inquiry, then most times they end up honoring the SCRA regulations. Im tired of the run-around and how many other airmen are being incorrectly denied their SCRA benefits? AmEx and XXXX are in a class action lawsuit for this exact reason. I would like to log a complaint against AmEX ; I am just unsure of which entity/company/bureau I should speak with.
Company Response:
State: MI
Zip: 481XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning identity theft and the actions ( or lack thereof ) taken by American Express in response to this incident. I kindly request your assistance in resolving this issue as it has had a significant and adverse impact on my financial well-being.
Company Response:
State: FL
Zip: 32714
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: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Multiple attorneys from XXXX XXXX XXXX XXXX., who names I have listed in various CFPB complaints in the past, continue to violate the Fair Debt Collection Practices Act. These violations have been brought to all the attorney 's attention but they continue to willfully commit harassment, ongoing threats and produce false and misleading documents in attempts to collect an alleged debt. I have attached exabits for proof of these violations.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made my payments on time at the beginning of each month. They credited my payment for XXXX with the payment for XXXX all in the same month. In other words they credited both payments twice for the same month. when I inquiredabout this ; they said it was because the finance the payments was in the same period, They then charged me a late fee, and sais I still need to make another payment in XXXX even though I had made a payment XXXX XXXX. So now I have to make another payment before XXXX XXXX. I never knew anything about cycle or period, I thought that if you made the poayment with a check or money order dated the XXXX XXXX XXXX XXXX it would be applied to that month as payment for that month and not applied to the previous month. I feel that this is just a gimmick to get an extra payment and a late fee that should not apply.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023 I contacted American Express via the chat to ask about a retention offer with my American Express XXXX XXXX XXXX. I was told that I would receive XXXX XXXX XXXX points after I spend {$3000.00} with 90 days. I spend the amount within the time line. I was told on multiple times that I would receive the points as they could see that I had made the spend requirement. After 3 months I called again to which the supervisor told me no such offer had been sent to me for acceptance. I explained that I had the chat history to show who and when this was completed. They opened a case and then today I was told that the case was closed as I had not been offered such a case. I have included the chat pics that was from that day of XX/XX/2023 where in fact the person offered and I accepted the XXXX points with the required spend. It also shows where the offer has been " added '' to my account.
Company Response:
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: My american express card was charged for a {$130000.00} on XX/XX/2023 transaction ref. # XXXX to XXXX. This transaction was not authorized by me, I have disputed this transaction with american express and XXXX, who processed the transaction. I have reached out to the merchant as well, who has been attempting to refund me the money but XXXX has frozen the funds and will not release the funds to either myself or the merchant. I need the funds released immediately from XXXX and refunded back on my american express card. OR, I need american express to reverse the transaction and remove the charge from my card. XXXX payment ID : XXXX
Company Response:
State: UT
Zip: 84043
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: American Express. There is no option online to cancel card. Called to cancel my American Express card. Customer service will not cancel card. They forward to telephone holding and no one picks up.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A