Date Received: 2023-08-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have tried to use the AMEX gift card at XXXX XXXX, XXXX and XXXX. Both XXXX XXXX and XXXX took {$0.00} out, but then the card was declined for a {$100.00} purchase. I have {$130.00} in the account. XXXX XXXX has now said on their website that these cards can't be used on site. But offers no way to purchase special order items ( that have to be shipped to store ) to be picked up at a store. XXXX does not have any kind of warnings. XXXX took my information, but it couldn't be processed. I tried adding to XXXX, XXXX refused it also. I was successful at another on-line retailer ( XXXX 's XXXX ). I called the number on the gift card but there's no information on how to talk to a representative. Website provides infomation on how to add card details but no way to contact AMEX.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2023, there were five ATM withdrawals taken from my account that I did not make or authorize. I contacted the customer service and fraud department of my financial institution the next day ( XX/XX/2023 ) and filed a fraud claim. My cards were canceled to prevent further losses. After a 10 day investigation, my financial institution denied my claim. I called my financial institution back, had the claim reopened. This time, I sent a letter to them and filed a police report with my local police department. I just received an email from my financial institution that after another 10 day investigation, my claim has been denied because no errors were found. The error is someone not authorized to use my account has withdrawn money.
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express charged me {$13.00} late fee plus {$0.00} interest for stating that XXXX statement bill has been paid late. Just to note, XXXX statement bill amount was {$13.00}. Through XXXX XXXX XXXX online bill pay services i've scheduled {$13.00} payment to be delivered to American Express on XX/XX/23, which was the payment due date. On XX/XX/23 XXXX XXXX withdrew the funds from my checking account and delivered the funds to American Express on XX/XX/23. However, American Express is stating that the funds were received on XX/XX/23. I have proof of payment from XXXX that funds were delivered to American Express on XX/XX/23. To resolve the issue i had conference call with XXXX and American Express representatives, but American Express representative refused to resolve the issue. So, i don't know what to do and need assistance from CFPB to resolve this issue. In advance, thank you for your assistance. Regards, XXXX XXXX
Company Response:
State: WI
Zip: 54901
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I file my taxes with XXXX and XXXX and Im given serve XXXX XXXX card. Ive had this card for the last two years and never had a problem. I assumed this was a secure card since my tax company issued it to me.. I was wrong. I bought furniture from offer up on XX/XX/XXXX and had to withdraw a total of XXXX $ from an atm at XX/XX/11 to purchase it. I didnt use my card again & had a balance of about XXXXXXXX XXXX left. I noticed on XX/XX/XXXX that my balance was only XXXX XXXX I called the card company and let them know what happened. They said they would do an investigation into the matter to help me get my money back. Whoever stole my money did a bunch of {$200.00} withdrawals until they stole XXXXXXXX XXXX from me. I dont understand why my account wasnt flagged after the XXXX XXXX dollars to see if that was actually me doing that as ive never taken that much money out at one time ever. Im pretty consistent and my statements prove that. The fraudulent transactions were done in XXXX XXXX California and I live in XXXX California. Ive never been to XXXX XXXX before. I provided proof that I was in XXXX the days the fraudulent transactions were made. My kids attended summer school all summer and i provided documents from the school as well as my dash cam of me taking and picking them up from school on those days where you can clearly hear me talking to them. I also provided a police report. I got a denial email stating my money wouldnt be refunded because the transactions were authorized. They absolutely were not authorized as I had my card in my possession in XXXX and my pin is memorized & only I know it. Whoever stole my money didnt use my actual card or pin number. I contacted XXXX XXXX with Amex and she got back to me 4 days later saying the same. My money wouldnt be refunded because they cant prove it wasnt me. Im not sure what investigations were done to say that? All they would have to do is review the footage where the fraudulent transactions were made and youd see it wasnt me. Pair that with the fact that I was in XXXX everyday in XXXX and have proof or even look at my usage history or the fact that someone did 16 transactions at once time something i would never do. On XX/XX/XXXX th someone did a fraudulent transaction at XXXX XXXX In La and im sure they have cameras there aswell. I used my card that same day to withdraw the last XXXX00 $ I had to my name in XXXX California. When I mentioned that Transactions were made in different areas on the same day now im being told the transaction at XXXX XXXX was from the day before on the XXXX. My statement says the rite Aid transaction was on the XXXX which is the same day I took out money from a local ATM .Why would my statement say the XXXX but being told it was actually the XXXX? I understand that transactions are first pending but it should still say the original day of the transaction, no? I feel as if im being told this because that alone proves it wasnt me and that someone else had a fraudulent card that wasnt my actual card, Because how can one person and one card be in two places at one time especially 9 hours one way between each place. But lets just say it was the day before I literally live 9 hours away from where the transactions were made. It would be impossible for me to drop my kids off to school drive to XXXX XXXX drive back home and pick my kids up all in 8 hours when There to XXXX and Back to XXXX is literally a XXXX hour round trip.. Its literally impossible. I decided look up reviews for this card on consumer affairs. com and thats when I noticed several people had their money stolen the same way and nothing was done about it. Im starting to feel as if this is an inside job with the company because how are ppl getting cards with a cardholders information but not the actual card issued to the card holder? My case isnt an isolated thing. Its happening to ppl all over America and its as if nothing is being done at all. I have XXXX XXXX and other medical issues like XXXX XXXX XXXX and XXXX and this is just too much. I wouldnt go through the stress of all this for not reason but I can not just except that all my money was allowed to be stolen from me. Especially when I have a XXXX & XXXX XXXX XXXX one whos special needs who depend on me to care for them and I have no money to do so. It wasnt me. Im completely stressed out because as I previously stated thats all the money I have to my name. Im low income and cant afford to lose XXXX XXXX let alone XXXX . Im desperate to get my money back. I cant send the actual video footage but I do have it.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen due to American Express and XXXX cards sending prequalified letters to old addresses that I do not live at anymore because of this they were successful in opening a XXXX account in my name on XX/XX/XXXX and attempted to open another credit card with American Express on XX/XX/XXXX since then my credit profiles have all been frozen. Because of this I have 2 hard inquiries one from XXXX and one from American Express I do not have any active accounts with either of them and never had an account with neither of them I contacted American Express they said they couldnt do anything because I have never had an account with them. These inquiries should come off my credit report in XX/XX/XXXX and XXXX XXXX. At this time I have time sensitive applications. So I need them removed as soon as possible. After I receive some type of letter of deletion or confirmation from both XXXX and American Express I can prove to the credit bureaus these inquiries do not belong to me
Company Response:
State: NV
Zip: 89142
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is the continuation of the CFPB complaint XXXX I submitted on XX/XX/2023 ( the " Complaint '' ). American Express National Bank 's response for the Complaint ( the " Response '' ) has not mentioned or answered any of my points in the Complaint, especially, American Express has not explained why it has never sued me in the court for the {$10000.00} debt it reported in my credit report ( the " Debt '' ), or claimed damages against me through mediation or arbitration for the Debt. American Express stated " We were unable to locate the interaction mentioned in your complaint. ", if this means that the Cardmember Agreement ( " XXXX '' ) does not include American Express ' rights to sue me to claim the damages caused by the Debt, American Express must promise not to sue anyone that do not pay their American Express credit cards and owe money to American Express. Also, American Express stated in the Response that " The XXXX contains a Claims Resolution provision which explains how claims can be resolved through mediation, arbitration, or litigation. All Card Members must follow the Claims Resolution process outlined in the XXXX for all legal claims. We have enclosed a copy of the XXXX for your review. ", this is irrelevant to the Complaint as the Complaint did not claim damages against American Express, and the Complaint only requested American Express to sue me to claim its own damages caused by the Debt against me.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Amex unilaterally suspended my account and demanded a financial review. The demand is baseless considering my credit score and history. After two weeks, the review remained pending, and they wouldn't allow me to have the card reactivated, even with a lowered credit limit. This is an abusive practice that can impact any person that relies upon the ability to use their credit card, especially when traveling.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to dispute and address concerns regarding the way my American Express XXXX XXXX 's utilization for the card ending in XXXX is being reported on my credit reports. Additionally, I kindly request that my membership start date be accurately reflected, as it plays a crucial role in maintaining an accurate credit history. One of the key features that I deeply value about my XXXX XXXX is its absence of a traditional pre-set spending limit. This unique attribute provides me with significant flexibility, making it essential that credit reporting accurately represents this aspect. I kindly request that the reporting clearly showcase that my card operates without a predefined credit limit, as this is one of the distinct benefits of the XXXX XXXX. Furthermore, I've observed that my membership start date is not accurately recorded in my credit history. Having the correct date of when I became a member is essential for a precise representation of my credit journey. I kindly request that you verify and correct this date to accurately reflect the moment I joined as a member, as this will contribute to a more precise depiction of my credit history. While I understand that errors can occasionally occur, I emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA ensures that credit reporting agencies and creditors, such as American Express, handle disputes with accuracy and fairness. I kindly request that this dispute be handled in full compliance with the FCRA, and I trust that any necessary adjustments will be made within the specified time frame. Wherefore, I also request that the necessary updates be made to my credit report with all major credit reporting agencies to ensure a comprehensive correction and accurate reporting. Thank you for dedicating the time to address my concerns. I genuinely value my relationship with American Express and believe that through collaboration, we can successfully address these matters, resulting in an accurate and fair representation of my credit history and the unique features of my XXXX XXXX.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX. I have been a member of American Express ( AMEX ) for over 20 years since XXXX. XXXX. In XXXX of XXXX, AMEX via letter requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with AMEX since XXXXThere was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. XXXX. I spoke to representatives at AMEX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. XXXX. I reviewed my charges and balance activity several times a week on the AMEX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. XXXX. Approximately XXXX week after my last phone call to AMEX the Financial Department cancelled both my personal and business accounts when corporate financial records were not received. XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. XXXX. AMEX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. XXXX. I was told by XXXX XXXX a representative of AMEX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.
Company Response:
State: CO
Zip: 80124
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Discovered I had but {$5.00}. In my acct. checked acct on line and had my atm card used 4 times yet I have my card in my purse. My purse had always been with me. XX/XX/XXXX XX/XX/XXXX 3 xs at atm {$200.00} each + their fee XX/XX/XXXX atm {$300.00} + their fee Contacted my bank that night XX/XX/XXXX Bank sent me forms to fill out Bank declined due to Bluebird Member Agreement 22d Basically didnt believe me. They Permanently closed my acct. My Social Security Check was deposited on XX/XX/XXXX. Police Report # XXXX Detective XXXX XXXX XXXX Police Dept. Bank said 10 days to send me {$1200.00}. Called again and they said 10 days. Got my balance 31 days later.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A