Date Received: 2023-09-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Never said AMEX GOLD XXXX XXXX XXXX benefit was limited to main cardholder during enrollment Failure to inform and missed credit Chat & " management '' refuse to assist and blame fault on user
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
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 disputed this charge ( {$840.00} on XX/XX/2023 ) because I have not received goods from XXXX seller. The seller scammed me by committing mail fraud and sending me an empty envelope with me having to sign for it. I reported the incident to law enforcement agencies : police, IC3 and XXXX postal inspector. I attached the copies of these reports to Amex along with my appeal letter. Later I got a strange boilerplate response from Amex saying that they " can't investigate further ''. I was a victim of deliberate fraud and they can't do anything? Isn't this one of the main purposes of credit cards, to protect me from fraud and they're saying I'm expected to just give up my money to a fraudster? I'm hoping to bring more attention to my case to prompt a review from a high-level dispute specialist instead of a time-pressured clerk who glances through cases and rubberstamps any response from the merchant as " valid ''.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My niece was XXXX in a car accident on XXXX, XX/XX/XXXX. I received her personal possessions from the coroner this week, including her credit cards and realized no one had canceled her credit cards. I called American Express today with her card info to let them know of her death so that her card could not be used. I was transferred to the Deceased Person unit and provided the account number, her name and the last 4 digits of her SSN. My niece was XXXX. We did not live together. Our cards are not linked. Our finances have never been linked. I did not provide any PII other than my name. I did not tell them I had an American Express card. XXXX hours later, I received a text message that my card was suspended in XXXX XXXX. I rarely use this card so I thought it was odd. I went into my online account and there was a notification that my card was suspended and to call Customer Service. I called American Express Customer Service asking why my card was suspended. I was on hold for a very long time. While I was on hold, I received a text message that my American Express card had been restored to XXXX XXXX. The Customer Service came back and explained to me that indeed, my card had been suspended but that it had been restored as this was an error. When I asked what happened, they could not explain much. Essentially, the Deceased Person unit had accessed my card information, without permission and without my knowledge, and canceled my credit card. How is this possible? I have asked American Express to investigate this incredible breach of privacy as well as a grievous error.
Company Response:
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The problem related to A REMOVAL OF CREDIT BALANCE ( {$240.00} ) on XX/XX/2023 of my AMEX blue cash magnet account. AMEX removed the credit balance but never paid back the credit. They said they sent the check 3 times, but I found they sent it to a different state. On XX/XX/2023, they tried to transfer the credit to my XXXX and that time it worked. However, I found there was a Credit Balance Refund on my account, and it was taken as a charge for this refund and I need to pay for this refund. I tried to dispute this problem many times but never got any response.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: A previous complaint was submitted under XXXX. On XX/XX/XXXX at XXXX, I went to a local XXXX XXXX to fund my Bluebird prepaid card. Shortly after at XXXX, I was notified via email that my account has been temporarily suspended. I called the number on the email at which the customers service representative told me that they can not provide a reason why my account is suspended. From this point, I did not have to access to my funds of which is used to pay for vital services such as rent, utilities and medical bills. The only recourse was to write a letter to Bluebird to ask why. I was also told that they will review my account and get back to me within 1-2 business days. The dire need for my funds was not met. On XX/XX/XXXX at XXXX, after not receiving notification within the 2 business day window, I called Bluebird. Shortly during the call at XXXX, I received and email stating my account is permanently suspended. Access to any of my funds is completely locked. I requested access to my funds only to be told I had to write a letter to beg for my funds to be returned to me. At the time of this complaint I had at least {$3000.00} in this account. On XX/XX/XXXX, the complaint was referred to OCC. On XX/XX/XXXX, OCC in turn has advised me that CFPB has oversight over this matter. I am once again re-submitting this complaint to seek recourse from Bluebird via the CFPB.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
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: so back on 2020 I stayed at the XXXX XXXX XXXX XXXX I had a price when I booked my hotel which I sent in all the proof to amex the hotel charged me XXXX over the price and the hotel claims its right and I have proof showing my booked charges which I sent to Amex and they still refuse to honor my dispute this hotel charged me XXXX over my price and I want that back. The hotel is wrong here and they completely overcharged me I tried to dispute this a 2nd time and amex closed my dispute wrongly saying that I closed I never did it close and when I call about they say they closed it because there was not enough info and when ask them what info they are talking about they can't explain I had a manager call me twice when I was at work to resolve this and they have not called back since I want the XXXX credit back on my account that amex overcharged me.
Company Response:
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: so I was looking for a retention bonus to keep my card open I talked to a rep overseas if you listen recorded call he said he could put a XXXX credit on my account XXXX miles if I spent XXXX on the account in 3 months when he presented the XXXX he never said anything about spending the XXXX so I talked to his supervisor who said they would listen to the call. so he said it would take about 3 weeks for a resolution so somehow it only took.day or so and the company said the rep did say there was a XXXX spending limit and he did not say this at all. then I called back and supervisor said he listened to it and said the same thing I was like well let me here the call and they would not let me do that because I know what he said and he did not mention this XXXX spending in order to get the XXXX credit. I have written to the coperate offices on this mater several times and they not responded to me once I sent about 3 emails to the ceo that were all unanswered. I even called the corporate offices 2 weeks ago that give me an email to send it too and they still have not answered yet I just want my XXXX credit I was promised over the phone
Company Response:
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On I submitted a consumer credit application to American Express to receive a credit card for my use in commerce. I was declined therefore I emailed the CEO of the company and advised him I believed. it was unlawful for me to be denied my XXXX given right to extend my credit to American Express to pre-pay the card for my use. I advised in the letter I was the original creditor extending my credits as a private banker, first priority creditor of cestui que trust XXXX XXXX XXXX. I then went into detail in regard to several violations that were committed if I was being denied under 15 USC 1602. i have acted in good faith as a natural person. to obtain a credit card from American Express for my private use, family use and home use. they used the consumer report as the reason for the denial. I advised the CEO in the letter I sent the consumer report can not be used due to the fact all debt is pre-paid therefore it was impossible for anything negative to be on the consumer report and if there was anything negative on the report then it was fraudulent reporting and needed to be corrected, which since then just about all negative marks have been removed because of my claim to the credit bureaus of fraudulent reporting because all debt is pr-paid and they removed them quickly. I further explained I knew the process of the financial corporations in the past and I would not participate, in any fraudulent practices of double dipping.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
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: Hi I filed a fraudulent charges on my card my card on XX/XX/2023 but the the American express did not cancel the booking and I ended up getting charged. They denied my claim and charged me XXXX.
Company Response:
State: CA
Zip: 94132
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I applied for a american express card but it was too late to deliver as im already on my business trip outside the states. I called after 10 days the card was deliver to my US address and asked them to ship my card internationally. They refuse to do so after successfully verifing my phone number, email, and social security number. Moreover, they even start a investigation to ask me to go to the nearest embassy and ask for a notary. Image if you are on a business trip and are working all day just to feed your family well. One of the credit card provider ask you to do all the meaningless verification just to verify i am myself even if i have agreed to provide my passport info or us drivers license. I understand there are fraud going on every day in the states which does not mean card provider should OVER-VERIFY their customer and bring them infinite inconvenience
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A