Date Received: 2023-09-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Dear XXXX, I am writing to formally register a complaint in connection with my American Express XXXX XXXX XXXX XXXX Credit Card XXXX which I opened under the terms of your prominently advertised welcome offer. This correspondence seeks resolution for an issue pertaining to the promised {$200.00} promotional credit, which has not been credited to my account despite my adherence to the stipulated conditions. As an eligible applicant, I was preapproved for the Blue Cash Every Day Credit Card and subsequently submitted my application directly through the designated welcome offer portal. At the time of application, I perused the offer terms in a cursory manner, noting a clause that explicitly stated, " if you are not eligible for the welcome offer, intro APRs, and intro plan fees, we will notify you prior to processing your application so that you have the option to withdraw your application. '' To fulfill the terms of the welcome offer, I diligently made eligible purchases totaling {$2000.00} within the first six months of card activation. Furthermore, I ensured that all outstanding balances were paid in full well in advance of the closing cycle, as evidenced by the attached documentation. It is deeply disconcerting that, despite my adherence to the terms and conditions, American Express failed to honor the commitment of providing the promised {$200.00} promotional credit. When I contacted one of your agents via telephone, I was informed that American Express does not possess real-time information on an applicant 's eligibility for the welcome offer. This response contradicts the very terms of agreement that your company has put forth, which explicitly state that applicants should be informed of their eligibility status before their application is processed, thereby affording them the opportunity to withdraw their application if necessary. Regrettably, I received no indication of ineligibility until I proactively reached out, six months after the requisite spending and payments were completed, to inquire about the conspicuous absence of the {$200.00} statement credit. It is important to note that American Express records all phone calls, and despite this fact, the company has yet to acknowledge its own deviation from its stated obligations. I am deeply disappointed by this lack of transparency and failure to uphold the terms of the welcome offer, which was a significant factor in my decision to open an American Express credit card. I kindly request that this matter be addressed promptly and that the {$200.00} promotional credit be applied to my account in accordance with the terms initially presented to me. I anticipate a timely resolution to this matter and kindly request written confirmation of the actions taken to rectify this situation. Failure to address this issue satisfactorily may necessitate further action on my part to ensure that my rights as a consumer are upheld. Thank you for your immediate attention to this formal complaint. I look forward to a prompt resolution. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60030
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please see attached documentation regarding American Express account ending in XXXX which was deemed null and void, discharged, fully satisfied and which I was exonerated from. Despite this debt being nullified American Express continues attempts to collect a debt they have confirmed they have no authority to collect, nor are they able to verify.
Company Response:
State: TX
Zip: 78212
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX XXXXXXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. American express must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on XXXX.
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus XXXX and XXXX. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. Please see the attached supporting documents for all details relating to matter.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX ) I opened a XXXX card with American Express in XX/XX/XXXX. The card is advertised as enabling the accumulation of Membership Reward points, which can be transferred to several AmEx airline and hotel partners. XXXX ) In XX/XX/XXXX, I attempted to transfer my Membership Reward points to the XXXX XXXX XXXX XXXX ( XXXX henceforth ) rewards program, an AmEx partner, via the AmEx website which provides this functionality. XXXX ) The website requests that I provide my account number with XXXX, which I did. However, the transfer failed with a non-descriptive error message that indicated that they could not verify a match between my AmEx account and my XXXX account. XXXX ) I called customer service around XX/XX/XXXX to attempt to make the transfer via phone. The agent indicated that the problem is that AmEx system can not fit my full legal name, which has XXXX characters in total. Their system seems to only be able to support around XXXX characters. XXXX ) XXXX 's system does support my full legal and requires an exact match for the points to be transferred. The agent went so far as to indicate whether I could change my name with XXXX so the match could go through. I can not comply with that request, as it would effectively mean changing my correct full name with XXXX to something incorrect, which could create complications when purchasing tickets and boarding flights. XXXX ) The AmEx agent admitted that the problem is their system but did not provide any recourse. As a result, simply due to the fact that my name is " too long '', I am unable to take advantage from the benefits advertised to me when acquiring this card and have been misled. The points I have collected with AmEx should amount to thousands of dollars. I kindly request your support in advocating for my rights as a consumer and that AmEx provides a resolution that enables me to receive the full value of the benefits contracted when I acquired their credit card.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I already have American Express platinum and gold cards before I applied for the American Express green card. The sole purpose I applied for the green card on XXXX was for the XXXX bonus points the company offered at the time. American Express instantly approved my application for the green card on that day without any warning or complications. And I instantly received email confirmation that the green card was being shipped. The stipulation to receive the XXXX bonus points was that I must spend {$3000.00} or more within six month, which I complied. I paid the card 's annual fee of {$150.00} and spent more than {$3000.00} by mid XX/XX/2023. And I also paid off the entire balance a few days ago ( current balance XXXX ). Yesterday, I called and also chatted online with American Express. To my surprise, they stripped off the XXXX points without my knowledge. Had I knew the bonus points were declined, I would have withdrew my green card application and certainly would not have spent {$3000.00} on the card. This looks like a " bait and switch '' practice by the company. On American Express website, they have detailed terms for the bonus offer, which I copied here for your reference : " OFFER TERMS You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' In my case, the " OFFER TERMS '' was a lie. The company did not notify me in any form or shape regarding my ineligibility for the welcome bonus offer before I completed the card application online.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a pre-paid American Express Gift Card at a local XXXX for {$72.00} XXXX attempted to purchase goods at two online stores ; XXXX XXXX and XXXX. I had sufficient funds for both purchases. Both were declined. No good reason other than to " select a different payment method ''. I contacted both merchants and they claimed it was an Amex Gift Card issue. I contacted American Express and they stated it was an issue with the merchants and I should try another online store. Several online discussion boards are posting hundreds of comments that it is virtually impossible to use an Amex gift card online. This is fraud
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: ATM fails to dispense {$200.00}, charged to Amex Serve Account due to acknowledged Amex Serve system error. I am the multi-year primary American Express Serve Account Holder, my subaccount holder tried to withdraw {$200.00} from an ATM which responded, " unable to process at this time ''. But the {$200.00} was deducted from her account. I have spent over two hours on the phone with Serve support because they wouldn't speak to my subaccount holder, because while she verified all the information on her account, she couldn't read the three-digit code on the back of her card. I have paid {$20.00} for expedited replacement of that card. I have spoken twice with XXXX ( Supervisor XXXX ) - he took the replacement card order, transferred me to " Billing Disputes '' and when they wouldn't help, I was sent back to XXXX. XXXX in Billing disputes has raised a dispute which she says will take XXXX business days or longer. She also states this is a known Amex Serve system issue, but they will not make it right, and sent me back to XXXX.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: American Express Company continues to engage in a recurrent and maliciously intended practice of sabotaging the mailbox of XXXX XXXX XXXX XXXX with unwanted, unrequested, and unwelcomed marketing material about their products and services. American Express Company was informed that all of XXXX XXXX XXXX XXXX members and owners have already submitted their information to XXXX, has requested XXXX XXXX XXXX to inform any financial institution service provider to not send any sort of promotional material, and American Express Company was even informed by letter and phone call to Cease and Desist of this practice ; American Express Company has ignore all requests and continues with their sabotaging practices. I am humbly requesting the agency to assume jurisdiction, and to reach any other stakeholders needed to address these malicious practices. Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the American Express XXXX XXXX XXXX credit card roughly around XX/XX/XXXX. My application was taking into submission and as of today XX/XX/XXXX I had not received a response. I called them today, XX/XX/XXXX and asked what the status was. They informed me that my application was denied because I had too many recent bank cards. My credit score is Very Good ( it went down XXXX points because of their inquiry and XXXX points because my car lease ended last month ) however despite those 2 factors it is still at XXXX. I have no late payments, I got a new cc in XXXX and one in XX/XX/XXXX that have XXXX balances. All my accounts are current and I have credit cards total. There is absolutely no reason to deny my application. I feel there is a discriminatory reason for the denial. They also claimed they mailed out a letter on XX/XX/XXXX and I have not received a letter.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A