Date Received: 2024-01-22
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: This complaint is for Amex Travel service that comes with the American Express XXXX credit card. - XX/XX/XXXX : I bought a flight ticket for XXXX XXXX XXXX on XX/XX/XXXX from XXXX to XXXX from Amex XXXX website using Amex XXXX credit card. Subsequently I received an email from Amex confirming my booking. Later an agent from Amex emailed saying the seat is not assigned yet and they are working on it. The booking was never cancelled. - XX/XX/XXXX local time ( XX/XX/XXXX in XXXX time ) : 4 days prior to the trip. I received a trip reminder email confirming the trip is coming up soon. - XX/XX/XXXX local time ( XX/XX/XXXX in XXXX time ) : I had a connecting flight prior to XXXX, and at the airport I found out the booking is non-exist from the airport agents. I called Amex travel to inquire for this issue, and while I was talking to them, I received an email from Amex informing my flight is cancelled and this is less than XXXX hours prior to my flight. Not even mentioning, I have a connecting flight to get to XXXX first. The Customer Service did not offer any help, instead, telling me that this is due to some agreement issues between XXXX XXXX and XXXX XXXX ( the flight was operated by XXXX XXXX and sold by XXXX on Amex XXXX ), and I just had to book a new flight. Given the urgency of getting back to XXXX, I just booked a flight ticket at the airport with {$400.00} more than my previous booking and told Amex I will call their customer service to further discuss this issue once I'm back in XXXX. - XX/XX/XXXX : After I got back to XXXX, I called Amex Customer Service and been on calls with them for hours. They claimed they didn't do anything wrong and as a customer I should know that the flight is cancelled/not confirmed if the emails says ticket/seat number is not assigned and claimed they were not able to cancel the booking to inform me. Despite the fact they emailed me trip reminder 4 days prior to my flight and canceled my booking on the flight date. I've talked to XXXX staff at Amex customer service and every single time, I have to repeat the story and repeat my requests without getting any real help. - My ask and result : I requested Amex to compensate the overage ( which is {$400.00} ) of the cost I have to pay for the flight ticket given they didn't provide the service as a travel agency and a XXXX XXXX credit card ( the annual fee for this card is {$690.00} and the XXXX XXXX is their biggest marketing point, I got this card mainly for this travel service ). Amex first refused my requests and claimed they can not provide any compensation, then {$100.00} voucher and then {$250.00} voucher after I provided evidence of the emails Amex sent. I'm not satisfied with this result as Amex customer services kept calling me for this issue ( multiple times outside my preferred hours ), insisted they did nothing wrong and as a customer I should know better, and did not escalate the issues after I requested internal escalations multiple times. The fact that they did not communicate clearly as a travel agency and still not admitting their mistakes after I waster hours of times with them just really disappointed me, what they are doing is completely the opposite of the customer service they claim providing to this credit card holder who pay {$690.00} per year in fees for these services.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I tried multiple times to use my AMEX gift card to purchase items on XXXX and XXXX. The card kept getting declined. I called the phone number on the back of the card and they informed me that the card is being declined because the merchants don't accept the gift card due to security reasons.
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I am attempting to activate an American Express gift card, sold by AmexGiftCard.com, which was sent to me by a relative via mail order. The instructions say to activate the card by checking the balance on the AmexGiftCard.com website or to call their phone line. The website is broken and can not activate the card. I have tried multiple browsers on multiple computers ( Both XXXX and XXXX on a XXXX XXXX computer, both XXXX and XXXX on a XXXX computer ). In all instances, the check balance site lets me enter the card info, but then shows no change when I click " continue. '' I am currently living abroad and can not call their number, and there are no alternatives listed for help activating the card. The card remains unactivated and unuseable with several XXXX dollars on it.
Company Response:
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Ref : XXXX I applied for an extension of credit with American Express on their consumer credit application online. There was no option to opt out of the credit check considering it can not lawfully be considered in pursuant to the Equal Credit Opportunity Act, the XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act. There would be no Permissible Purpose to run a credit check understanding that it is discrimination under the law. I was immediately denied based on XXXX score in which I never intended to give permission for person or entity to share my private information. I called to put them on notice but was met with resistance and deflection. XXXX : NOTICE OF UNLAWFUL DENIAL OF CREDIT NOTICE TO PRINCIPAL IS NOTICE TO AGENT - NOTICE TO AGENT IS NOTICE TO PRINCIPAL This is not a letter but a legal Notice. You are now put on notice that American Express and agents have unlawfully denied me an extension of my own credit. You are in violation of 15 USC 1611 - Faults and misleading denial of own credit on a consumer credit transaction. Restraint of Trade is prohibited pursuant to 15 U.S. Code 1 and you will be liable and be subject to a penalty up to { >= {>= $1,000,000} }. Your letter states that denial was determined by my FICO score in which your application did not extend the opportunity to opt out pursuant to 12 CFR 1016.7. The Fair Credit Opportunity Act and Equal Credit Opportunity Act prohibits discrimination based on credit history which does not accurately reflect the applicant 's creditworthiness. Notice, it is a fact that XXXX XXXX is the holder in due course on the consumer credit application and must be returned for value. In accordance with 12 U.S. Code 412, XXXX granted and authorized a consumer credit application to American Express that was accepted in exchange for a finance charge on a purchase money loan pursuant to definitions in 16 CFR 433.1. That application was not returned for the value requested. Notice, it is a fact, that Banks and Financial Institutions such as American Express DO NOT loan or extend credit of their own assets pursuant to 12 USC 1431 and thus are not creditors but debtors. Banks and Financial Institutions borrow and give security therefore and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve. It is a fact that American Express is required to follow the Generally Accepted Accounting Principles ( GAAP ). XXXX will conditionally accept the offer upon receipt that American Express is extending credit from American Express own assets, proof of claim that you can lawfully deny extension of credit on a consumer credit transaction, and a listing of all the factors you considered in this consumer transaction. Respond to XXXX within XXXX ( XXXX ) days from the receipt of this notice. Failure to comply will result in damages equaling but not limited to the value of the application plus for each violation of Constitutional and consumer rights. Also, failure to respond will be accepted as DEFAULT and a complaint will be filed with the FDIC and SEC for securities fraud in accordance with the Securities Exchange Act in violation of 18 U.S. Code 1348 and 15 U.S. Code 1 - Trusts, etc., in restraint of trade. If you do not comply with this request it will be accepted that you will perform in accordance to the application and send the credit card to XXXX XXXX 's Address forth with. Notice it is further understood that XXXX has Reserved All his Rights in accordance with UCC 1-308. Regardless of the reason for denial I have the right to credit and withholding my access to my securities is security fraud. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. If American Express chooses to stay in dishonor by denying credit, XXXX demands you to retract the application and send receipt of that retraction to the address herein and a claim will be filed in a court of competent jurisdiction. I have yet to receive a response.
Company Response:
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a previous complaint ( XXXX ) against American Express about a gift card I was unable to use because of repeat rejected charges. They issued a letter through CFPB saying they had canceled the card and were issuing a refund of the full amount ( {$170.00} ) but the check I received was only for {$50.00}. I have contacted American Express multiple times about this, each time being told they were escalating it and I would hear back within a week. I have heard nothing from them, so I am filing another complaint with CFPB to hopefully get a resolution and get my full refund. I have not cashed the {$50.00} check.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I received a denial letter in the mail after filling out an application on line with American Express Card Company. After reading the terms and conditions on the back I called the underwriter department and asked them to send me in writing that I had gave them written consent to obtain my personal information from a third party company. They failed to acknowledge my request. I also informed them that I had pulled their prospective form along with their XXXX and XXXX filings which they didnt not abide by. I also reiterated that I gave them an application which is an security and in return I required for them to Issue me in exchange a Credit Card. I was transferred to an Manager on duty and was informed that they received my credit score from XXXX XXXX and with that Information I was not approved for a card. I Know that they violated my Consumers Rights along with Trust Indenture Act of 1939 ; Securites Act of 1933 ; Securities Exchange Act of 1934 ; 15 usc 1681, 15 usc 1682.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XXXX, I made a sizeable payment to American Express and I booked upcoming travel, putting the flights on the card. Although I still had room on the card, the sizeable payment should have also more than covered the expense. I wanted points. On XXXX XXXX, the payment was posted. On XXXX XXXX, the flights were posted. The payment I made is not being reflected on my balance, I am now {$69.00} over my limit and have had valid purchases declined because my balance is showing without that payment. I called AmEx on XXXX XXXX, noticing the discrepancy. They agreed that my balance was incorrect and I should have at least {$2100.00} of usable credit. I was instructed to wait 24 hours to see the balance update, but wanted to use the card to book more travel that day so AmEx " fixed '' it right then. It is now the XXXX. The card has reverted back to the overdrawn balance. Things that should easily clear are being returned.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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: On XX/XX/XXXX your front door ran my plum american express credit card # XXXX for around XXXX dollars from a merchant account called your front door which is located in california. I did not sign anything to authorize this charge. a couple weeks later the merchant account " your front door '' aka XXXX XXXX assured me he would offer up a refund in which this was never done. I have disputed this charge multiple times and each time american express doesnt give me any answers but they will not reverse this fraudulent charge. Since then I have had to file a civil lawsuit against XXXX XXXX and your front door and had meetings with the FBI in which they agree this is complete fraud. Because of this american express has closed down all my accounts and reported me to a collection agency in which this has tanked my credit and has ruined my financial well being because they have not investigated this matter properly. I want this off my credit and thoroughly investigated with the fbi as this has been complete fraud and not good business. XXXX the credit card company has said they disbursed the money to the merchant XXXX XXXX and I have still not have gotten a refund. I will have to take legal action if this is not resolved soon. below are attachments showing communication between the merchant, XXXX the credit card processing company and it clearly shows that XXXX of them are withholding this money and I am the one suffering from this. My lawyer and I have many more attatchments to prove this is a scam and would be more then happy to send them over. I have tried to resolve this multiple times and everyone at american express just transfers me to another department that cant help me and even XXXX gal said that they cant do anything because stripe has the money but as you can see via the attatchments the merchant would have recieved the money XX/XX/XXXX. this should be investigated with the fbi and if this doesnt get resolved legal action will take place.
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received two American Express gift cards for XXXX from my employer totaling {$150.00}. I have attempted several times to make a purchase at several online retailers and continue to get a declined message. I called customer service but all they did was verify the amounts. I am extremely frustrated.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Balance transfer XXXX to american express for {$5000.00} XXXX says they sent payment and american express says they never received it. XXXX says they did and sent a copy of the check. American express says they never got it or cashed it. This has been going on for 10 months now. Instead of owning one company {$5000.00} they both say I owe {$5000.00} which would equal {$10000.00} if they can't figure out what happened. How is this possible? Both companies do the same thing when I call with the same results. Both say its on the other to figure out.
Company Response:
State: AL
Zip: 35603
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A