Date Received: 2023-08-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for an American Express credit card XXXX XXXX ; American Express ran my credit, got access to the treasury & did not give me anything. Subsequently I was denied and I now have a hard inquiry from them with no goods or services delivered.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Consumer processed a mobile ( phone ) ticket transaction on XX/XX/, for an event believed to be with XXXX, but was instead through a boxoffice outlet/reseller who overcharged for the event. This reseller was XXXX with a charge showing merchant as XXXX XXXX. Consumer saw the extraneous service charges added, so contacted XXXX customer support to try to cancel the transaction. This merchant would not allow cancellation and referred consumer back to the terms of the purchase. Representative was unhelpful with a XXXX sounding accent. Tickets were transmitted through XXXX, but consumer did not accept tickets as he already tried to cancel and then submitted a dispute with American Express for the transaction. American Express investigated and concluded they would credit the amount. However, Amex later reversed this credit, letting the original charge stand. Consumer called Amex again on XX/XX/XXXX to request re-opening this investigation and they advised that they should have an answer on this dispute back by XX/XX/.
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Throughout the month of XXXX, I have tried to use my American Express gift card at numerous merchants in-person and online. Supposedly, the card should be accepted by any merchant that accepts American Express credit and debit cards. Instead, I found that the card was declined everywhere. One store asked me to leave once they saw the gift card. I can only surmise that the cards have become synonymous with scammers or something. I called AMEX 's support line to try to get the money stuck on the card usable. I was told to every time to wait for 24 hours and try again with a different merchant. Despite doing just that, I found that no one would accept the card. AMEX support refused to offer any other solution.
Company Response:
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I request to close my account beucase I never use the card. However, American Express did not let me know the annual fee is not refundable and close my account directly. The point is : I never used the card, and they charge me XXXX $ for the annual fee.
Company Response:
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have three American Express card that i made timely and perfect payment. Then i tried to made payments 2 out if the cards and tried to make a third payment thee app told make no payment was due. Then i called the customer service they confirmed that no payment is due. By 5 days the Amex closed all three accounts and i filed a complaint they agreed that it is an error and not my fault. Now they charged of the accounts and illegally charged my XXXX XXXX XXXX account that caused {$780.00} with of insufficient funds fees by my bank that reported on my XXXX Amex incorrectly put a {$0.00} credit limit on the closed account and then keep changing and charging the balance to reflect additional settlement late fees eventhough there was no settlement agreement.
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: While I was at work I received a notice that {$680.00} had just been withdrawn from an ATM in XXXX CA on XXXX. I called American Express Bluebird and immediately let them know, they advised me to. withdraw the remaining money from the account and close the card and they would send me a new one and start an investigation into the dispute. I received an email 2 weeks later stating the dispute was declined. I called them and they advised me to submit a new dispute and add timecard and video footage from me at work and then 10 days later another denial letter was submitted via email to me. I called back and they asked me to submit another dispute to reinvestigate and with 3 days I had a denial letter in my email. Upon reading reviews online I now know that this has happened to several clients and they have had to take legal action against the company. Please share my story in hopes of finally reaching their corporate office and making them explain their reasoning behind not standing up to their responsibilities to their card holders and allowing them to be defrauded.
Company Response:
State: CA
Zip: 92595
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Application was denied I was placed on hold for XXXX mins and the high risk fraud dept was giving me hard time and then he ask that I take a selfie and my ID front and back then placed me on hold again for another XXXX mins. Then he comes back and said that they need a letter from my bank and I explained to him that my bank dont offer that because I have a online only bank I had for 5 years and I dont bank with any major banks. After he looked at my selfies and my ID for very long time and ask for more documentation from me believe Ive been discriminated based on my race which XXXX XXXX XXXX and they been giving me hard time and I cant produce a letter from my bank I dont want risk any account closure from my bank and I cant apply for any other banks I have a bad credit with banking history and again I believe this is discrimination Based on the selfies I send to American Express Application number XXXX
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XXXX I redeemed cashback I earned via XXXX for an American Express XXXX XXXX XXXX in the amount of {$4.00}. At first, I tried to use it at XXXX and it didn't work. So I decided to add it to my XXXXXXXX XXXX and use the XXXX XXXX method of payment at a local store and that didn't work. Today, on XXXX I tried to reload my XXXX account with this gift card and it didn't work. I also tried to add it to XXXX, but that wasn't allowed. This ordeal has wasted a significant amount of my time and I read on XXXX how lots of other users are having this same issue of trying to use American Express gift/reward cards.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for an American Express card which is connected to a XXXX XXXX program. In applying for the card, there was a promotion for after spending {$1000.00} in the first 3 months, I would receive XXXX bonus points and one free nights stay to use. On or about XX/XX/2023, I received notice that I had earned XXXX points and a free night to use. I was able to book a free night but I was not able to use the XXXX bonus points. I called American Express and spoke with a representative who expressed that the points would be available around XX/XX/2023. On or about XXXX the XXXX, I called American Express. After speaking with another representative, I was told that the information the last representative provided was incorrect and the points would not be available until XX/XX/2023. On the XXXX of XXXX I spoke with XXXX, who expressed that the billing cycle had just closed and XXXX XXXX would be available for use on XX/XX/2023. On XX/XX/XXXX I spoke with XXXX, who told me the points were sent to XXXX on XX/XX/2023. I asked to speak with the supervisor because each time I call I was given a different story of when the points would be available for use. Art was the supervisor that I was connected with. He expressed that the points were transferred to XXXX XXXX on XX/XX/2023 and there was nothing else American Express needed to do. He expressed that if the points were not showing they were under review by XXXX XXXX, not American Express. After speaking with XXXX, I called XXXX XXXX. I spoke with XXXX XXXX at XXXX XXXX, and she expressed that American Express had not submitted any points to my account and no points were under review. I explained that I keep getting the run around from American Express and XXXX XXXX. XXXX XXXX reached out to American Express on a XXXX call. She called and spoke with XXXX, the supervisor. He told her that the points had been transferred. Once she said that no points had been transferred nor were any points under review, XXXX began making every excuse he could as to why the points had not been transferred. He realized just XXXX minutes earlier he had told me a very different story. The spending requirement was met within the first 30 days. On my XXXX statement, XXXX, XXXX points were available for use. My XXXX statement reflected XXXX points to use, making the total number of points XXXX to use. However, none of these points are available for use with XXXX XXXX. Therefore, I would not have booked the free night if I was unable to use the points as well. I would have waited till both were available. Now I am told, if I cancel the free night, I will be charged approximately {$450.00} as a cancellation fee. This has been the worst customer service experience of representatives not knowing their jobs and a supervisor lying to make the company look good.
Company Response:
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Every time Im trying to make a purchase online, it just declines. When I tried calling the company, they cant find my card. Ive tried many times, and the card just declines. Ive used the card before, but all of a sudden it stops working.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A