Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Greetings XX/XX/XXXX American Express closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by American Express XXXX XXXX XXXX XXXX XXXX These payments have been accurately recorded by these agencies as on time and satisfactory payment history. American Express then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. American Express has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XXXX American Express continues to report to third parties as late and unsatisfactory.
Company Response:
State: MI
Zip: 482XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received my American Express XXXX XXXX credit card XX/XX/XXXX statement with an annual membership fee of {$650.00}. This is not a fee I can afford and I called American Express two times on XX/XX/XXXX and XX/XX/XXXX to cancel this card when speaking to a customer service agent and I was told both times this would occur as was being done within the 30 day allotment of time. Today on XX/XX/XXXX I received another statement showing account still open with the {$650.00} annual fee to be due. I made a third call today on XX/XX/XXXX requesting my account be closed as this was my 3rd attempt along with waiving the {$650.00} membership fee. The customer service agents were not very helpful, including speaking to a supervisor and a manager. I was told the account had to be reviewed before annual fee removed and find out the status if I am responsible for the {$650.00} annual fee. Meanwhile this is affecting my credit and still not resolved!
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is still showing late payments on the AMEX XXXXXXXX account despite the previous appeals sent to XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AMEXs customer service representative.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been an American Express Platinum cardholder in good standing for nearly two decades and spend ~ $ XXXX per year on my card. Last month, I added three family members to my card as additional cardholders. This was so these family members could receive AmEx Platinum perks, such as lounge access. This was intended to be a gift to them ( so they did not know I was adding them as additional cardholders ). After adding these family members, their credit scores dropped XXXX points! I called AmEx and spoke to multiple customer service reps who told me that should not have happened because when AmEx reports to the credit agencies AmEx notates additional cardholders aren't responsible for balances. So AmEx said I, as well as the additional cardholders, needed to speak with the credit bureaus. A credit bureau that I spoke with ( who AmEx transferred me directly to ) said AmEx is wrong and that my balances are definitely applied to additional cardholders. Of note, my family members never had to approve being added to my account. So basically a primary cardholder can unilaterally -- and perhaps purposefully -- drop someone else 's XXXX XXXX by XXXX points simply by adding said person as an additional cardholder. All that I needed to submit to AmEx was name and DOB of my family members. Not even SSN. ( AmEx said additional cardholder SSNs get automatically applied if the additional cardholder already has an account with AmEx, which of course many people do. ) AmEx has told me there is nothing that can be done about the situation. Furthermore, and not as important, AmEx had told me before I added the additional cardholders that additional cardholders could not see my own balance. This was not accurate. What they can not see are my individual transactions.
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I AM NOT LIABLE FOR THIS DEBT WITH AMEX. I DO NOT HAVE A CONTRACT WITH AMEX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for an Amex gold credit card which has a welcome bonus of XXXX points after spending XXXX in the first 6 months which I already did. but I never received a welcome bonus. I reached out to Amex about this is they said I would not get a welcome bonus if I had another Amex. During the credit card application, they never sent any message or alert stating that I would not get a welcome bonus due to already having another credit card before and after I submitted my application. if I had known or received any kind of message about this I would never have gone and applied for the new card.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been an American Express customer for about 30 years. I generally spend $ XXXX a month, as I use it for everything. I previously had an AMEX platinum card but cancelled it a couple of years ago because I couldn't justify the annual fee. I now have a XXXX XXXX XXXX XXXX XXXX and I have 2 family members with the card as well. I pay my bill every month and in full. Last month, I was one day late paying my bill ( {$11.00}, XXXX ) and was penalized with a {$29.00} fee and {$460.00} in " penalty interest '' of 29.99 % ''. I called Amex on XX/XX/31 at XXXX XXXX, and was told that because I had made similar request in XXXX ( again only a day late ), that the card was not eligible for additional waivers. AND that I should set up automatic payment to avoid future issues, which I do not care to do. I spoke to a supervisor to ask if he was interested in saving my account and he said he could not because of the XXXX waiver. I previously worked for a bank and upon occasion dealt with fee issues related to checking accounts, so I understand that this is a way for Amex to increase fee revenue in a rather easy manner. I also dealt with informing customers as to changes in policy and I would say in this case, not getting written information clearly pointing out that if my payment was even " one minute past midnight '' on the due date I would be charged with both a fee and an interest charge. Statement messages are easy to miss. Yes I should have paid my balance by the due date, but I view this as an unfair and deceptive practice and will not be using my card much. I will not cancel it yet because I just paid the {$260.00} annual fee.
Company Response:
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have an American express Gold card, Not a XXXXXXXX XXXX XXXX. I have spoken over 3 agents to ask for XXXX points because I was led to believe to received them. On XX/XX/2023 I asked an agent if my card To receive these XXXX points you would have to spend over $ XXXX USD So thats what I did, however Amex refused to give them to me and I spent a total of $ XXXX believing I would receive so. I have asked over 2 Times on XX/XX/XXXX and was ghosted by 2 agents. I still have no answer why I haven't received my XXXX points as it has been over 12 weeks since i spent over my $ XXXX on this card. If I don't receive my XXXX points or at least $ XXXX in cash redemption since i was lwd to believe that i would receive XXXX points if i spent $ XXXX I will take Amex to a small claims court.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX and XXXX several unauthorized transactions occurred on my account, and I didnt authorize. I received a notification for a purchase at XXXX groceries that I did not do. Immediately I notified American Express Serve stating that I was not that person making that transaction. So I check my account and notice that my balance have declined a lot subtracting {$6800.00} dollars from my account and those transactions that was made on my account was not of my doing. So I filed a declaration of fraud form and was denied my refund credits. Please look into this matter I am distributing all charges that was made without my consent. Thank You!
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called into American Express. I got an email saying I still owed this months payment. I found that odd because I logged in 2 weeks earlier and set up the Post dated payment to pay off the balance in full on my due date. When I called in the account did not have that payment posted and the late fee was billed. I called in and paid off the balance in full ( like I have done every month since opening the card ) and asked for the late fee to be removed. The agent refused and said that a manager couldnt fix the issue either because her system determined I wasnt eligible for the removal. I informed her that I set it up online through their system and the payment didnt post so this is a bank error not mine. She said there was nothing to do. I asked for a complaint to be submitted and requested a return phone call back with the resolution. She said that department cant be reached and doesnt return phone calls. As of today I still have not been reached out to
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A