Date Received: 2023-08-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I own an American Express Blue cash preferred card. I enrolled into an offer which states that - " Get a one-time {$60.00} statement credit by using your enrolled eligible Card to spend a minimum of {$300.00} USD in one or more purchases on room rate and room charges at participating XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... '' I booked through the website as it was mentioned in the offer - XXXX The property is also NOT in the excluded list. But, even then Amex is denying to process the {$60.00} credit. My claim is here that Amex lure customer with these fraudulent offers and then do not honor them. I have reached out to them several times through online chat service as well as phones calls, but their representative keeps denying the claim with no substantial reasons or false claims. I have all the written confirmation email for the booking at at one of the properties of XXXX XXXX at XXXX, North Carolina between XX/XX/2023 - XX/XX/2023
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2023 I discovered that my American Express credit card account had been closed months earlier. I contacted them via phone and was told that my account was closed due to inactivity and my points were gone, and I had no other way to reclaim them.
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The following issue is with the company American Express. XX/XX/23 - I get approved for the American Express Business Platinum Card. XX/XX/23 - I contact American Express support through their live chat in the Amex portal to ask what is my introduction offer, upon which the representative tells me that my offers are the following : XXXX Membership Rewards Points after spending {$15000.00} or more 0 % APR for 12 Months. ( XXXX XXXX XXXX XXXX ) XX/XX/23 - XXXX get charged an interest fee of {$53.00} XX/XX/23 - I contact American Express support through their live chat in the Amex portal to ask why have I been charged an interest despite the 0 % APR for 12 Months. Upon which the representative opens a case for investigation. ( CASE ID : XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/23 - I get an alert from American Express that they need to talk to me about my account. I log into the online portal, open that chat support and talk with a representative about my business account balance. At the end of the conversation, I ask the representative to check on the status of the case previously open ( CASE ID : XXXX ). After checking the case, the representative confirms that my account comes with 0 % APR, I then ask if I will get a refund for the APR charged by mistakes, but after asking to confirm, he back tracks and says that the case regarding my APR is still open. ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) XX/XX/23 - I contact American Express through their chat support again to check on the case status. The representative tells me that the case is still under review but that the fee I was charged might be linked to the annual fee associated to the Business Platinum Card, which made sense to me. But still proceeds to tell me that indeed I have 0 % APR for 12 Months. ( XXXX XXXX, XXXX, XXXX, XXXX & XXXX ) XX/XX/23 - I contact American Express through their chat support again to check on the case status. The representative confirms that the case has been closed and that the 0 % APR for 12 Months has been applied to my account. I then ask if I will get a refund for the fees I have been charged, which the representative gives no guarantee for those. ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) XX/XX/23 - XXXX get charged an interest fee of {$350.00} XX/XX/23 - I get charged an interest fee of {$220.00} XX/XX/23 - I get charged an interest fee of {$65.00} XX/XX/23 at XXXXXXXX XXXX - After thinking that American Express was just taking their time to fix the account, I decide to take another avenue and call the RECORDED support line. I spoke to XXXX, who put me on hold and hung up, I then talk to another gentleman I can not recall the name that said spoke to a manager, that looked into the account and said there was a problem processing the intro offer, but that it will be fixed in 48-72H and will get a refund for all the interest charges. XX/XX/23 - I get charged an interest fee of {$64.00} XX/XX/23 at XXXX XXXX - I call the RECORDED support line again, I talked to XXXX which said all the person involved in that case are unavailable today but that she will notify everybody, open a case and call me back in 48H max . XX/XX/23 at XXXX XXXX - After receiving no news from American Express XXXX I call back their RECORDED line, again. Which I get someone on the phone that tells me that the case has been reviewed, the 0 % APR will NOT be applied to the account, I will NOT get a refund for the charges that were posted. At this point I feel completely mislead by American Express for months on end for them to accrue interest charges on my account.
Company Response:
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I applied for and was approved for an American Express Delta Sky Miles credit card. The welcome bonus offer was XXXX bonus miles after spending {$4000.00} in the first 6 month 's of having the card. The promotional code reference number is XXXX. I did not receive any type of alert that I was not qualified to receive the bonus offer or I would not have completed my application or used the card when it arrived. I met the XXXX spend requirement in less than 6 month 's and paid my account bills on time. At one point, I called American Express customer service to check how close I was to meeting my spend requirement and was told that I only had a few XXXX more to spend and still had almost 3 month 's left to spend it in. I made additional charges over the next week or two and met the XXXX spend requirement which American Express does not dispute. However, on XX/XX/XXXX I called customer service check when the miles would post to my account. I was told that that American Express had decided I was not qualified to get the bonus offer. The agent told me that an old XXXX XXXX card that I canceled back in XXXX or XXXX was through American Express and that, because I canceled it before a year had passed I was not eligible for future sign up bonuses. I reality, I canceled that card because the issuing bank ( apparently Amex ) also refused to honor the welcome bonus in spite of my meeting all requirements and the customer service agent had been very rude about it. I never got any welcome points from that card and I paid their yearly fee. I canceled due to what I felt was fraud and terrible customer service on the issuing bank 's part. I have a credit score over 800 and I normally keep all of my credit cards, including those I get sign up bonus points for. I would never normally cancel a card without keeping it for years because it would negatively affect my credit score. I told the Amex representative all this on XX/XX/XXXX which is when I filed a dispute with them regarding the company not honoring the current bonus points offer for the delta platinum Sky Miles card. This was over 2 month 's ago and I have called several times but never gotten any response whatsoever from American Express. I paid the $ XXXX yearly card fee and charged over the required amount within the allotted time period in good faith. The law requires that American Express notify potential new card members at the time of application if they are not qualified to get the welcome bonus. Instead, I was notified month 's later ( and by phone, I've never received anything in writing ), after having established the account, charged thousands of dollars, and paid the very high yearly fee. I feel this constitutes fraud and bait and switch. I was fraudulently induced to apply for, accept and use a credit card that I would not have considered without the welcome bonus. I have perfect credit and can get cards with no yearly fees and from companies that actually act in good faith and do not defraud their customers. I would not have signed up for a $ XXXX yearly fee credit card had I been informed I did not qualify for the welcome bonus. I had no intention whatsoever of canceling the card once I got the XXXX bonus points because it would hurt my credit. I just want American Express to honor the card sign up bonus this time and not fraudulently induce myself or other 's to apply for their cards.
Company Response:
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: American Express XXXX advertised XXXX XXXX XXXX in XXXX with a complimentary third night with a minimum stay of XXXX nights. I have confirmed with XXXX agents ( XXXX, XXXX ) that my dates are eligible, and somehow, the system did not apply the promotion. Amex XXXX 's system does the promo in a very unique and convoluted way. The discount is reflected in a lower nightly rate, often shown as the regular rate is crossed out, and the new rate would reflect the " free night. '' I see several problems with this practice. 1. Like my case, the nightly rate was NOT crossed out, leading me to suspect that the promotion wasn't applied. Most consumers would probably be unsuspecting, and this would have resulted in an overcharge. 2. Things like this must also be clarified for the Amex Agents. Most of them have attitudes and probably wouldn't bother looking into it. The agents I spoke with initially told me the rate had already been reduced to reflect the " free third night '' until I proved them wrong. 3. I spent XXXX hours explaining the error and finally got them to admit that it was an error, but they were ineffective in providing an error resolution. 4. This leads to unjust enrichment for Amex XXXX. I suspect many consumers are conned into believing they are getting a discount. Based on the above, I urge CFPB to look into these incidents. I have screenshots of everything. Amex would have gotten millions of dollars via this type of false advertising.
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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 was referred to a person by my friend, XXXX XXXX, who lives in Michigan, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as AMEX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of one to two weeks, the payments were reversed from my financial institutions. This is a fraud. AMEX shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with AMEX if they will just reverse the payments.
Company Response:
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XXXX XXXX, I attempted to make a purchase from XXXX Off XXXX using a split payment method, split between my Personal Platinum and my Business Platinum cards from American Express. Payment went through on my Business Platinum card but was declined on my Personal Platinum Card. The next day, I re-tried payment but the opposite happened : Payment went through on my Personal Platinum card but was declined on my Business Platinum card. I reached out to Amex about the issue, most notably that both charges, one in the amount of {$13000.00} and one in the amount of {$4100.00}. I inquired about how long it would take for both charges to drop off my account. At this point, Amex informed me that 1 ) both charge cards had been restricted and had a very low credit limit placed on them, and 2 ) I had to wait a minimum of 12-14 months before I could appeal the credit restriction. Even worse, the pending charges on both charge cards WERE NOT contributing to the temporary credit limit, so the credit limit ( {$4700.00} on both cards ) that was placed DID NOT have the room to increase once the pending charges on both cards fell off. When I asked to appeal this, I was told there was nothing I could do, and if I didn't like it, I should just close my account. I first spoke to XXXX and them spoke to Supervisor XXXX ( ID number XXXX ). They both echoed each other. Now, I'm stuck with a business charge card with a {$4700.00} credit limit and a personal charge card also with the same credit limit and over {$17000.00} in pending charges with no intention of the credit being increased for 12-14 months.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: For Complaint # XXXX XXXX XXXX American Express XXXX XXXX feedback to the first attachment sent by American Express but when I tried to provide feedback to the second attachment sent by American Express XXXX XXXX the CFPB website XXXX not allow additional feedback which follows. In the response from American Express they state if I XXXX XXXX had any of the following American Express cards, see list below by XXXX or American Express I would not be eligible for the promotion. In the list below provided in the American Express attachment I have not had any of the credit cards listed. Please credit the XXXX XXXX XXXX points to my XXXX account as earned. XXXX XXXX Below from American Express XX/XX/XXXX response. " welcome offer ( XXXX ) XXXX not be available to applicants who have or have had this Card or previous versions of this Card or the XXXX XXXX XXXX XXXX Credit Card from American Express. We XXXX also consider the number of American Express XXXX they have opened and closed as well as other factors in making a decision on their offer eligibility. The terms and conditions also state that welcome offer not available to applicants who ( i ) have or have had the XXXX XXXX XXXX XXXX XXXX Credit Card from XXXX, the XXXX Rewards Premier Plus Business Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Credit Card from XXXX in the last 30 days, ( ii ) have acquired the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, in the last 90 days, or ( iii ) received a new Card Member bonus offer in the last 24 months on the XXXX XXXX XXXX Credit Card from XXXX, XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank You
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have phoned American Express a number of times regarding my American Express Platinum card that I was approved for on XXXX XXXX XXXX. The offer that came to me was for XXXX bonus miles so I applied online ( attached ). I have never gotten the bonus miles. When I first called in after spending {$6000.00} in the first month they told me I may have to wait six months since thats the amount of time I had to spend {$6000.00}. Today I phoned in again and they said I didnt qualify because I had an AMEX card in the past. They said an email came to me letting me know that I didnt qualify for bonus points. The attached email is the only one I received. When I applied online, it didnt tell me I wasnt eligible, only that my application would be reviewed and I would be notified.
Company Response:
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A