Date Received: 2024-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express Credit Card : Filing a complaint due to their horrible customer service, which is based outside the United States. Paid my bill in full, was still charged interest of {$39.00} and also an extra fee that is unknown of for {$100.00} ( which customer service didn't have record of but it showed up in my online account 4 days after my bill was paid off and paid in full ). They claimed the {$39.00} was for a late fee payment, after my card was cancelled and account closed and after they received my payment in full of {$6000.00} I had called to confirm payment was sent on XX/XX/2023 from XXXX XXXX ( they were issuing the check to American Express ) and even sent a screen shot to a Supervisor / XXXX at ( XXXX ) XXXX to show the payment was sent. Due to holiday closures and situations out of my control, they received the payment XX/XX/XXXX, and it was due XX/XX/XXXX, but proceeded, even with all my calls and notices and notifications, to charge me fees. They offered to settle on my account around {$4000.00} XXXX days prior to receiving my check on XX/XX/XXXX - but after I paid in full, the amount I owed of {$6000.00} ( didn't take the settlement with them ) they proceeded to charge this late fee. Their customer service is ineffective, they do not help, only argue and I have got to the point of wanting to seek legal council about it due to a feeling of being XXXX by this credit card company. They send me two or more emails a week, they call, even when they knew I had paid the account in full. They offer me settlement deals on {$39.00}... it's just very ridiculous and the customer service doesn't speak well, because they are out of the country, and very argumentative and they just put you on hold for thirty minutes or more, then transfer you and nothing ever gets resolved with them. It's a game they play and they are ripping off the American consumer with unethical customer service. I do not want to be contacted by American Express again, I have expressed this, my account has been cancelled, closed, but yet I continuously get emails from them and additional charges. Please report this to them. I am also reporting this to any legal / consumer affairs organizations that I can find.
Company Response:
State: WY
Zip: 824XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem when making payments
Subissue:
Consumer Complaint: My loan account with American Express is XXXX for {$23000.00}, and the first payment due date is XX/XX/2023 for {$720.00}. On XX/XX/2023, I paid online for the amount of {$800.00} from my XXXXXXXX XXXX account for the first time. On XX/XX/2023, American Express contacted me, and there was an ACH payment for {$800.00}. See the bank statement. On XX/XX/2023, I paid online for the amount of {$800.00} from my XXXXXXXX XXXX account. I talked to the American Express customer service supervisor ( XXXX ) on the phone XXXX ( XXXX ) times and uploaded the above copy to the American Express account each time ( XXXX XXXX & XXXX XXXXXXXX ). I need an answer from American Express to let me know where my payment of {$800.00} is and why it was not credited to my loan account. I attached a copy of my bank statement from XX/XX/2023, through XX/XX/2023, and XXXX copies of Proof of payments.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied to Amex for a XXXX card reference # XXXX. I was denied extension of my own credit by Amex. I contacted the underwriter team via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. In the mailings I informed the team that I can not be denied an extension of my own credit because the application that I submitted for services gave them a security interest which is an obligation of the United States. This makes it cash and I have not received valuable consideration for the security and that the security can not be minuscule consideration effectively masking a gift as a contract. I also explained that I wish to have my card issued to my name in an open-ended capacity. Amex responded to my mailings via the mail on XX/XX/XXXX stating they would be happy to complete my request if i would give them a XXXX ID number which I can only have if I was already an Amex card holder. I then called Amex multiple times to be told the same thing regarding my denial of credit. The last call was XX/XX/XXXX when Account Rep XXXX stated there was nothing she could do about the issue. I informed her that Amex was violating the Securities Exchange Act along with the Indentured Trustee Act and stated that I would pursue this matter legally if my demands where not meant.
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To AMERICAN EXRESS, Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given, verbally, non-verbal, written, or unwritten per 15 USC 6802. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XX/XX/XXXX at XXXX XXXX UTC I received an email stating I was not approved for the Gold Sky Miles American Express card. XX/XX/XXXX at XXXX XXXX UTC I finally got through to customer service who transferred me to New Accounts department which is based out of XXXX. I spoke with a woman who, when I asked to speak with an underwriter refused and asked to help with the issue. I stated my issue as I gave my social security number and didnt get a service in return. My social security number is a financial instrument for American Express. I wish to rescind my authorization of my social security number. She then transferred me to her supervisor who verbally promised that all personal information used in the application process is stored for a limited amount of time in our computer system then deleted. I asked for a written statement of this procedure for timelines, date and sufficient evidence that thats what the company will do since I was not approved. He said he could not provide that statement. I asked to rescind the use of my SSN ( which is a financial instrument for them ) again and he said he could not do that. I then asked to be sent to a legal department and again, underwriting and he said there were no such departments to contact. He gave me an address to send mail to the media team from an XXXX XXXX in XXXX, UT instead. So now Im worried for the abuse that my social security number may incur without my knowledge while simultaneously been given nothing in return for my social security number which has become a financial instrument for American Express. Also, that incompetent supervisors are the top escalation for these processes? He had no knowledge and absolutely no empathy for the depth of the situation involving my personal information. I demand an open ended credit line for the use of my SSN which I can not rescind/take back as well compensation of {$50000.00} for the inconvenience and negative emotional as well as mental impact the situation caused. The stress of explaining the situation to multiple representatives of a company who took my personal information with zero empathy and zero acknowledgment is so sever theres not even a price tag to put on it. {$50000.00} seems the least they could compensate me for the mistreatment and blatant fraud. EVIDENCE : 1. American Expresss card agreement. They blatantly state that negotiable instruments a.k.a financial instruments are also used to pay accounts. They, themselves use this terminology so I know for a fact the representatives I was speaking to also understood what I meant and what I was needing. 2. GLBA classifies SSN as financial instruments 3. UCC 8 proof that my SSN is a security 4. Securities Act of 1933 outlines American Expresss role as Issuer of Securities and my role as Investor. They are punishable under the SEC and I will escalate this to them if my demands are not met.
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX XXXX, attempted to use an American express reward card ( amexreward.com ) and is continuously declined across a variety of online merchants ( XXXX, XXXX, XXXX etc. ). I contacted the company and they indicated they don't see the reason why it is declined and to " try another merchant ''. I live in a rural area and do not have access to a physical store to purchase these items, and seemingly can not use the card for any oneline purchases.
Company Response:
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
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 XXXX XXXX XXXX I purchased theater tickets on a website that I thought was the official ticket agent of the theater. The company is XXXX XXXX XXXX XXXX, website XXXX. I purchased these on my American Express card, account ending in XXXX. The charge was {$250.00}. Transaction reference number XXXX. The purchase was 2 seats for a performance of XXXX, the musical. Once purchased I wanted to access the tickets to give as a gift - have something to print out. I was given no way to do this and tried to contact the company to ask. There was no way to get anyone on the phone, chat, email, etc. - zero customer service with this company. I even googled how to contact someone there. I feel this on purpose, they don't want anyone to be able to reach them. I opened a dispute with American Express immediately, on that very same day. I did so on the AMEX app and then feeling I wasn't able to fully describe the situation I called Amex customer service. The dispute as opened under 2 dispute numbers : XXXX and XXXX. I purchased other tickets for the event and felt confident AMEX would resolve the matter, given the lack methods to communicate with this sham merchant. Today, I found out Amex closed both disputes saying they were unable to investigate the charge, for me to contact the merchant directly. There is no one you can simply just contact at this " merchant. '' That was the issue from the get-go. I never received the dispute resolution letter from AMEX. It is not in my account when I look in the message folder, where it is suppose to be, if sent. I will pay disputed amount and not withhold funds to AMEX for this. Frankly, it's not about the amount of money, it's the principle of this merchant being disreputable and having no way to contact them, and in my view an unscrupulous merchant. I want to do what I can to stop this company from duping other. I've been a AMEX account holder since XXXX and always paid on time and carry no balance. It is my go-to credit card as their customer service is typically top-notch and they are known to back you up if and purchases need to be disputed. The only other dispute I had, in XXXX, was easily resolved. I felt confident this one would be easily resolved as well, and was shocked when it wasn't.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: From : XXXX XXXX XXXX Date : Tuesday, XX/XX/XXXX at XXXX To : Gift Card Research XXXX Subject : Following up : What did XXXX XXXX and XXXX XXXX? Case # XXXX XXXX + XXXX Dear XXXX Dispute Resolution Team : Just checking to see if you were able to clear Case # XXXX XXXX + XXXX up before I contact the Consumer Financial Protection Bureau ( CFPB ). See below for our recent communications. Please let me know what you learned when you contacted XXXX and XXXX regarding this situation. Or simply send me a check for the {$5900.00} that went to these transactions. Thanks for your continued assistance. I will keep following up until we get this resolved and I get this money back. Wishing you the best in XXXX. XXXX XXXX XXXX | Director of Responsibility + Owner XXXX ( mobile ) | Schedule Something with Me From : XXXX XXXX XXXX Date : Wednesday, XX/XX/XXXX at XXXX To : Gift Card Research XXXX Subject : What did XXXX XXXX and XXXX say? Case # XXXX XXXX + XXXX Dear XXXX Dispute Resolution Team : An update on my side. I reached out to the Colorado Attorney Generals office the other day and they encouraged me to reach out to the Consumer Financial Protection Bureau ( CFPB ) to get this cleared up. Im guessing youre close to a resolution and wanted to hold off contacting the CFPB until I heard back from you. What did XXXX XXXX and XXXX say about the fraud? If you need a refresher on the cases see my earlier email below. Please get back to me by XX/XX/XXXX with an update. Thanks for your continued investigations into the situation. XXXX XXXX XXXX | Director of Responsibility + Owner XXXX ( mobile ) | Schedule Something with Me From : XXXX XXXX XXXX Date : Wednesday, XX/XX/XXXX at XXXX To : Gift Card Research XXXX Subject : Update please : Case # XXXX XXXX + XXXX Dear XXXX Dispute Resolution Team : Following up on my email from two weeks ago. Please let me know what you learned when you contacted XXXX XXXX and XXXX. XXXX XXXX XXXX | Director of Responsibility + Owner XXXX ( mobile ) | Schedule Something with Me From : XXXX XXXX XXXX Date : Thursday, XX/XX/XXXX at XXXX To : Gift Card Research XXXX Cc : XXXX XXXX XXXX Subject : Please respond : Follow-up regarding Case # XXXX XXXX + XXXX Dear XXXX Dispute Resolution Team : Your response below ( at Thursday, XX/XX/XXXX at XXXX PAC ) is not satisfactory as you aren't telling me anything about the research you did. Can you please let me know what you learned when you contacted the only two people who had our AMEX Gift Card numbers, other than me? To refresh your memory, the two people are : == CONTACT # XXXX == XXXX XXXX XXXX of XXXX XXXX XXXX ( XXXX ) XXXX I called XXXX ( cced on this email ) on XXXX to make a {$6000.00} donation using my two {$3000.00} AMEX gift cards. I provided him with both gift card numbers. XXXX tried to run both cards, but both were rejected. I then called AMEX gift card customer support to find out what was going on. == CONTACT # XXXX == XXXX from AMEX Gift Card Customer Support XXXX I called AMEX Gift Card Customer Support immediately after talking with XXXX XXXX and got a service rep named XXXX. This was at XXXX XXXX ( XXXX ) on XXXX. I told XXXX of the situation and he took steps to rectify the situation. He confirmed that each card still had {$3000.00} on it at that time. XXXX told me to wait 24 hours for the cards to activate before contacting XXXX again. I waited until XXXX to call XXXX again. The cards once again did not work for XXXX, but this time it was because the vast majority of the funds were gone via transactions I did not make. So only two people were aware of our AMEX card numbers. The first is someone who has had access to other personal credit cards of ours for years and we've never had a similar issue. This makes me think that the security breach occurred during my conversation with XXXX either his phone was tapped or he shared the card numbers with someone else who made the transactions with XXXX XXXX XXXX ( {$1500.00} + {$1300.00} ), XXXX XXXX XXXX ( {$950.00} ), and XXXX XXXX XXXX ( {$1000.00} and {$1000.00} ). Please let me know what you learned when you contacted XXXX and XXXX regarding this situation. Or simply send me a check for the {$5900.00} that went to these transactions. Thanks for your continued assistance. Call me with any questions at XXXX. Peace, XXXX XXXX XXXX XXXX XXXX XXXX | Director of Responsibility + Owner XXXX ( mobile ) | Schedule Something with Me From : Gift Card Research XXXX Date : Thursday, XX/XX/XXXX at XXXX To : XXXX XXXX XXXX Cc : Gift Card Research XXXX Subject : Dispute Case No XXXX Reference : Case Number XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the dispute case referenced above. After a thorough review, we have determined the card information was provided by you to complete the transactions in question. In accordance with the 'Authorized Card Users ' section of your Cardholder Agreement, 'if you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement. ' As a result of our investigation, this dispute claim has been denied and the case has been closed. You are strongly encouraged to contact law enforcement if you wish to pursue this matter further. We place a great deal of importance on customer satisfaction and want to be sure our customers have a positive experience with our product. We regret the circumstances that led you to contact our office. If you choose to initiate an investigation through law enforcement, we pledge our ongoing support and hope that you are able to recover your losses. Sincerely, XXXX Dispute Resolution
Company Response:
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
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 made a purchase from XXXX on XX/XX/XXXX, package delivered on XX/XX/XXXX while I was away. That along with a second package was stolen from the mail area. Disputed with Amex XX/XX/XXXX, which was rejected. Dispute was resubmitted and denied again XX/XX/XXXX. Retailer will not provide refund and redirected me to XXXX to file claim and an error message keeps appearing instead.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$350.00} American Express gift card from my employer to make home-office purchases. I have tried to use the card to buy a laptop stand at XXXX or at XXXX and a mouse at XXXX ; however, my card continues to be rejected. The first time I called American Express, they told me that " for my convenience, '' my card can not be used online at any website that saves card data. When I pointed out that that is almost every online retailer, they agreed and said that it would be best to just use my card online. I explained to them that many of my co-workers have used the card to make online purchases without any problems and they had no answer as to why my card doesn't work. The second time I called, the agent recommended that I add the card to my mobile phone wallet and try to use XXXX to make a purchase. This strategy worked on XXXX but not on any other website. American Express has not offered me any other suggestions other than using the card in person at brick-and-mortar stores. I am attaching the current list of transactions that I've attempted to make with this card. Each time a transaction fails, American Express deducts XXXX from my card. The transaction list also includes the single successful transaction for {$68.00} at XXXX Unfortunately, the items that I need to buy for my home office are not sold in brick-and-mortar stores near me. I am at a loss for how to use the money that my company already spent to buy this gift card. Thank you for your help, XXXX XXXX
Company Response:
State: NY
Zip: 11232
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A