Date Received: 2023-09-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX, I received an email saying I had won a {$50.00} American Express XXXX Card from a sweepstake I had entered, ( XXXX XXXX XXXX Promotion ). I filled out all the paperwork and received my XXXX XXXX online, in my email. I tried the card out and ordered a {$8.00} pizza. It went through with no problem. However, when I tried to use the card several weeks later, it wouldn't work. I tried several different stores, and it just wouldn't work. The different stores tried to take a small fee off the card for the use but those fees never went through either. I did contact a few of the stores like XXXX XXXX XXXX, Little XXXX, XXXX XXXX and they all told me the card would not work, even when I gave them the numbers over the phone. So, I contacted American Express XXXX XXXX at the number that came with the card. After talking with them, I was told that the card was working fine, and they found no problem at their end. I was told to make sure I entered all the numbers and the CVV as well. So, I tried again that same day and still, it would not work. I called back and they said there was nothing they could do because the card was still showing up as working and they saw no reason to replace it. I did contact a XXXX XXXX XXXX, who was the Sweepstakes Coordinator. He said that according to the rules, once you receive the prize, the card, they are no longer responsible for it or any problems that might occur while the card was in my possession. So, that was out. I don't understand why American Express wouldn't issue me a new card and deactivate the one I have. I mean the card has an expiration date of XX/XX/XXXX. So, I don't understand why not? I have a balance of {$41.00} as I just checked it. All I want is a card that works because I see no reason to lose that {$41.00} This really is unfair. I don't know what else I'm supposed to do. I don't have any response in writing from American Express. I only have the original paperwork from the sweepstake win. I don't know if it'll help but I'm sending it along, Thanks.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I purchased a Amex egift card with XXXXXXXX XXXX in it. But I can't use it anywhere. I only successfully made one purchase with XXXX but all other payments after are failing. I called the customer service multiple times. The agent confirmed the card is activated correctly, and it should be able to be used online and in physical stores. But it is not the truth. My payment keeps failing, and I keep getting charged XXXX XXXX from the online stores. The agent refuse to transfer my egift card to a physical one and there is no way I can spend the money I load. so I basically lost about XXXX XXXX I want my money back.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Background context : American Express has been advertising 0 % introductory APR periods on their XXXX XXXX products for years now, and I have opened several of them over the years for my sole proprietorship to use the 0 % interest period. American Express also utilizes a pop-up upon applying for cards that you've previously held, which states that you will not be eligible for Welcome Bonuses ( i.e. receive XX, XXX Membership Rewards points after spending $ XXXX XXXX in the first XXXX months ). On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card through American Express. Upon applying, I received the pop-up saying that I was ineligible for the Welcome Bonus to earn a sign-up bonus of cash back. I agreed to the pop-up, because I was not interested in the sign-up bonus but was instead applying for the 0 % intro APR. I was approved for the card, and received the 0 % intro APR period as advertised. On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card through American Express. I received the same pop-up as my previous application, stating that I was ineligible for the sign-up bonus. I agreed to the pop-up as before and was approved for the card. Finally, on XX/XX/XXXX, I applied for an additional XXXX XXXX XXXX card through American Express. I received the same pop-up as my previous application, stating that I was ineligible for the sign-up bonus. I agreed to the pop-up as before and was approved for the card. However, for both of the last two cards ( opened on XX/XX/XXXX and XX/XX/XXXX ), American Express did not apply the advertised 0 % intro APR period. I have reached out to them, and they are claiming that the 0 % intro APR period is a part of the Welcome Bonus offer that I agreed to be ineligible for through the pop-up. However, this is quite obviously not the case, since I experienced the exact same advertising, pop-up, and terms as the card that I opened on XX/XX/XXXX and that card received the 0 % intro APR period exactly as advertised. Both cards are still advertising that 0 % interest period, and nothing about the application workflow has changed to indicate that they will not honor that 0 % as advertised if you choose to be ineligible for the Welcome Bonus.
Company Response:
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen and used to open several credit cards
Company Response:
State: CA
Zip: 91367
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have an American Express card with a 0 % interest period through XX/XX/2024, but American Express has been charging me interest for several months now. I have asked for them to stop charging me interest and refund the previous interest charges, but they have refused.
Company Response:
State: CA
Zip: 92056
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Shortly after the time of this occurrence XX/XX/2018 a representative at American Express said not to worry about it and it will be taken care of in about 30days. Years later it was never taken care of at all! A police report was attempted to be filed but because the occurrence was on a XXXX XXXX XXXX line, they said it was out of their jurisdiction and it was nothing they can do about it! Card number : XXXX The amounts were charged in increments of $ XXXX getting up to {$28000.00}
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: So here we are again, Harrassing me once again with my account and taking the no preset limit away just as you did in XX/XX/XXXX. Your actions are uncalled for and your company is nothing but a disgrace. Let me tell you that out of all my creditors, I carry the AMEX cards, XXXX cards, XXXX and XXXX and you are the only creditor to ever give me a hard time. No other creditor has ever adjusted my limits. Its harrassment and it needs to stop. If you do not put my account back to no preset limit, i will find cause to sue you in a court of law. You did the same thing to me on my Delta Skymiles card. I used it for a {$38.00} purchase and you took my limit down to {$2100.00}. Do you think its cute that you can bother people like this. Im telling you XXXX XXXX XXXX XXXXXXXX right now, your going to knock this XXXX off. I am also telling you that I AM NOT PAYING YOU {$690.00} ANNUAL FEE TO CARRY A CARD WITH A {$4300.00} LIMIT. It is not happening. If you do not waive the fee for the 2 problems you have caused me in a 6 month period I will purposely default on my credit cards with you and I dare you to send me to collections or attempt to sue me. Just try me. I guarantee you, you will not win. I have so much evidence and proof of you being corrupt, making false statements, defamation of character, making false representations from my credit. You stated in a letter on XXXX that i had to many requests for credit. Again, the only Inquiry i have is from XXXX and due to fall off in XX/XX/XXXX. So there again, another lie. When i contact XXXX they tell me they have no idea where you are getting your information from. Therefore, I am unable to dispute anything because my credit report is completely accurate. I cant dispute inquires when i only have 1. As far as the payments made, you send me a bill with a minimum due on it, I pay that to satisfy that month, again your actions are absurd to treat and act this way to a good paying customer. The reason why people choose to quit paying you is when you start playing games such as this. Your no different then XXXX, XXXX or XXXX. In fact they know how to treat customers- WITH RESPECT. You are a woke, leftist organization with high crime on the inside with employee corruptness.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have two gift cards. One for {$100.00} and one for {$750.00}. These are American express E gift cards. When I first began using the gift cards I was able to shop anywhere that took American express ( as advertised ). Then the card stopped working, I called customer service and they informed me the card was active and still had over {$750.00} on it and I should keep trying. I couldn't use the card at XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or even the local store. Even places that once accepted the card no longer work it is showing up as declined. I have called customer service back and I just get transferred until they hang up on me. Its a scam and they robbed me out of hundreds.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I keep receiving statements in the amount of {$10000.00} on an American Express for which I have never had or applied for. It is showing on my credit report
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A