Date Received: 2023-09-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A little over a month ago I opened an American Express business account. When my first bill arrived I was quick to call them ( early XXXX ) as they were billing me at a time of month that was problematic. I was informed by the representative that my bill would be changed for the next billing cycle, which would have made this bill due in XXXX. However, AmEx delayed this request and instead is attempting to charge a late fee for a late XXXX statement, despite the fact that I was promised I would now be on a cadence to pay in the first week of each month. This manner of business is highly unethical and clearly meant to confuse customers and extort funds as late fees. I demand that this bogus {$40.00} fee be removed from my account immediately. Please note that a simple review of the calls ' transcript will prove that I was informed that the change in billing cadence was made, would be in effect for my next bill, which would be XXXX.
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a {$50.00} Amex e-gift card from XXXX on XX/XX/XXXX and every time I try and use it, it gets declined every time. No matter where I try and use it. No matter how much or how little a spend. Ive tried reaching out to customer service but was put on hold for over 40 minutes. I was told to try again in 24 hours. Still did t work. I gave up for a while until I was told about this system to possibly get my money back.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I made two card - Hilton Honors American Express Card/Hilton Honors American Express Surpass Card with the introductory offer of XXXX point when spending {$2000.00} during 6 month of opening. I spent more than {$4000.00} for express card and I was not able to get the intro offer that I was promised. I even contacted a representative on XX/XX/XXXX to confirm my offer and the representative told me that I have introductory offer that I know of. This is a copt of message that I received from representative And for the Hilton Honors Card can earn XXXX Hilton Honors Bonus Points after {$2000.00} or more in eligible purchases are made on the Card within the first 6 months of Card Membership. I am attaching screenshot. Later after I spent all the money I was not able to receive the offer and when I talked to representative they told me I did not have the offer. I was mad and I canceled the card from amex but I am hoping that I can get this resolved.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: ( XXXX XXXX XXXX ) I applied for a balance transfer of {$6300.00} from American Express to XXXX XXXXXXXX XXXX for the 0 % APR for 21 months. I submitted the application on my phone. Unbeknownst to me, XXXXXXXX XXXX XXXX automatically entered a VIRTUAL NUMBER for my saved American Express card . XXXX XXXX XXXXXXXX notified me that the transfer can take up to 6 WEEKS. Sometime in XXXX, I called XXXX XXXX XXXXXXXX, they said " It went though. Just give it some more time ''. The transfer was approved. I activated my XXXX XXXX XXXX card. On XX/XX/2023, I noticed an auto-payment of {$220.00} hits my bank account. My full balance of {$6300.00} was still sitting at American Express. I call XXXX XXXX XXXXXXXX again ; we came to the realization that the money went to a number I don't recognize. They thought it could possibly be fraud. I called Amex they said, " No, that's a VIRTUAL CARD NUMBER. You can't transfer money to a virtual card number. You need to call XXXX XXXX XXXXXXXX to transfer the money to the correct account ''. I called XXXX XXXXXXXX XXXX, they say, " this happens more time than you can think. We'll reject that application and resubmit. Give it 6 WEEKS. You can track everything on the online account ''. On XX/XX/2023, I logged in to my XXXX XXXX XXXXXXXX online account. I can't see any activity as far as my Balance Transfer. At XXXXXXXX XXXX, I called XXXX XXXX XXXXXXXX. They only see the transfer in XXXX. They say, " I've never heard of a virtual card. You need to call Amex. They haven't sent the money back, it's there. All they have to do is transfer the money from the virtual card to the physical card. They can do that. If they are giving you the run around, have them to call us ''. At XXXX, I called Amex , " Is there a way you can transfer funds from my virtual card to physical card? ". Amex agent says, " We can't see a virtual card on our end, that is only for your eyes. It is for security purposes. You can do it online, because it is for you ''. I try to gain access to said virtual card, I can not find it. I had a conference call with an Amex agent and a XXXX agent at XXXXXXXX XXXX. The XXXX agent said- '' I see, in XXXX, there was an appeal to receive that money back to re-apply it to the correct account. Give it 30-60 days ''. As a result of this botched balance transfer, I owe both XXXX XXXX XXXXXXXX {$6300.00} and American Express {$6300.00} PLUS the accumulated interests since i can not afford to make payments on two cards.
Company Response:
State: TN
Zip: 37167
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Company Response:
State: GA
Zip: 30316
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AMEX XX/XX/XXXX I disputed them with the creditors and credit bureau but they remain on my credit report!
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I attempted to use my pre-paid AMEX gift card ( {$500.00} ) for XXXX purchases several times ( XXXX and again on XXXX ). I was trying to reload my XXXX gift card with ( {$500.00} ). Ive done this before with gift cards with no issues. It would take hours to process and then fail. I contacted XXXX and they said it is being declined ( XXXX ). I contacted AMEX ( XXXX ). After hours I was told that the card doesn't work for online retailers like XXXX, XXXX, etc. Doing some research it appears this is because of a billing address issue. AMEX is is checking the billing address for the transaction. I can not set, or see the billing address set on the card, so the transaction for online retailers fail.
Company Response:
State: RI
Zip: 02886
Submitted Via: Web
Date Sent: 2023-09-11
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: Other problem
Consumer Complaint: XX/XX/2023 I received a very disturbing letter from American Express. The letter starts off saying " Dear XXXX XXXX, thank you for bringing the fraudulent use of your identity to our attention. '' This is totally false because I have not contacted anyone from American Express about Identity theft. Again, I did not file this request or report to anybody to American Express. I attached the letter I received.
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: 2023-09-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I tried to make online purchases from multiple websites using my American Express digital gift card, but it always failed. I ended up forgetting about the card for awhile and it expired on XX/XX/23. The cardholder agreement XXXX XXXX XXXX XXXX XXXX says the funds do not expire, and a new card will be issued if requested. I called today ( XX/XX/23 ) around XXXX XXXX, and was told that the balance was {$25.00} before the expiration, and now the balance is {$0.00} due to the card expiring and they will not issue a replacement card or reissue the funds to me.
Company Response:
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A