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 received 5 {$200.00} XXXX XXXX XXXX American Express reward cards from XXXX as a result of my flight being overbooked. I tried to use the cards at XXXX. They processed my order, but then i received an email on XX/XX/2023 that my payment was not being authorized. I tried using a different card on XX/XX/2023 at home depot.com. Same thing happened. I received an email saying my payment was declined by the bank. I have tried this with numerous other merchants with no success. I was on the phone with customer service for 20 minutes again today and did not receive a satisfactory response. I asked to speak to a supervisor and was put on hold and listened to music for 15 more minutes before hanging up.
Company Response:
State: GA
Zip: 30068
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: 2023-09-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I requested for a card from Amex and before I received the card, I called them to ask for it to be closed because I did not understand some terms. On closing the card they was no disclosure that even know I had no history using the card that closing the card would cause my credit score to decrease. I therefore asked for the card closure to be removed because of the Amex error in not disclosing and they have yet to remove the card closure from my report. Investigation into why my credit card account was closed with out AMEX disclosing that that will cause my credit score to decrease. I asked for AMEX to take this out of my credit report for the error on their part and they havent done that.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Ref : XXXX Account ending : XXXX To whom it may concern ; I opened an account with AMEX credit cards, -around XXXX XXXX- in fact I upgraded one of my AMEX cards to another card offer. If you spend {$1000.00}, they will pay you {$150.00} as a cash bonus, in 3 months. I agreed on that, and they sent me the new card. Afterwards; during Summer XXXX, I had a visit to XXXX and XXXX ( around XX/XX/XXXX ). I called them, asking if they apply foreign transaction fees for expenses abroad, and they said Yes. Regarding this, I canceled my card. They did not inform anything at that time. After one month ( Around XXXX or XX/XX/XXXX ) they sent me a bill, regarding my canceled account, that I owed them {$150.00} since I had not completed my 1 ( one ) year with AMEX card, and I had to refund that money. Ive refused that. They sent me another bill for next month with some 20 % interest {$170.00}. This is a fraud ; since I did not agree, to sign or to refund of the cash bonus. Also, I used this card for at least 7-8 months, and also I spent {$1000.00} to get this promotion. Also, I asked them to re-open the account, and they refused. What can I do? If I do not pay, they will charge me another 20 % interest to this amount. In fact this was not a credit, just a promotion. What can I do against American Express Corporation?
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Hard Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I ordered 3 AMEX gift card totaling of {$2500.00} back in XXXX. And once I received and activated them, my cards got declined all the time. And I had no issues before when using these gift cards. I called AMEX, they confirmed with me it was identity issue, and I asked if there is anyway to get the problem resolved. They said no, and might be used in person to avoid identity issue and deactivated my cards which is not reasonable, and I am the owner of these cards. I then called the 3rd party where I ordered these card from, the agent from the third party was pretty helpful, communicated, helped me to reactivated these card. This process took more than 2.5 months. However, after XXXX weeks, my cards got declined again and again. It looks like I can't even use them in person. It makes no sense to me that I am going to waste {$2500.00}, and if this is the case, it's a scam of AMEX. I ordered these card because I had no issues before, and if I knew this case earlier, I wouldn't have avoided this option. I am really frustrated about the way how they solve the problem, and they don't care about how much money it's related, because it's not their money and they already sold it. I am kindly asking them to give me a solution how to use these card please.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a Delta Gold AMEX card with an offer to earn XXXX miles in XXXX of this year after spending {$2000.00} in 6 month period. I did spend way more than that but never received my promotional bonus points. Chat support or phone customer service failed to tell me why I didn't get the points or give me my points.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: American Express is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These two accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I receive American Express gift cards from my boss as a holiday gift every year and I don't know what happened, but this year it became problematic to use the card. I've searched and searched online for an answer on what I could be doing wrong and it seems like a lot of other people are facing this issue and I've read its mostly due to fraud protection. This feels like a great problem for American Express because now they have an added income stream of essentially free money. Most people aren't going to complain to whoever gave them the gift and instead will just never use it. What really saddens me is that I will probably be receiving another large gift card in a few months and it will be unusable. This almost feels like a class action lawsuit is brewing.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-09-11
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 was given a {$400.00} American Express Gift Card for my 5 year work anniversary from my company. I have been unable to pend the remaining {$57.00} on the card. It constantly get rejected. Have tried XXXX, XXXX XXXX, XXXX, XXXX, etc. I have followed the rule of possible 20 % hold on the sellers end and have made purchases as low as {$40.00} and it will not clear. I have attempted to use it via XXXX XXXX. Same issue. It seems as if AMEX wants this to be difficult so the balance never gets spent. I have only had 1 successful transaction at XXXX however that got declined multiple times until I was able to get it to work by removing other items.
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
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 filed a dispute with American Express nearly 9 months ago, regarding an unjust charge of {$8000.00} for a product that was never delivered. According to their contract, I should not be held responsible for charges if products are not received. However, not only did I not receive a refund for the {$8000.00}, but they also allowed the company to tack on an additional {$1000.00}. This situation has not only incurred further interest charges, but I've been tirelessly calling about it for the past 9 months. Each time, I'm put on hold for hours and promised assistance that never materializes. Just two days ago, I called again, and suddenly, " their systems were down. '' I was assured a callback within 24 hours, which, unsurprisingly, never happened. This ordeal feels like a huge scam, and I strongly advise against using this card. I demand a refund of my money!
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A