Date Received: 2023-08-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Received an Amex egiftcard for XXXX, however unable to use at various online stores, such as XXXX. Contacted Amex on XX/XX/XXXX to register card to my address, however still unable to use at an e retailer. They advised to use it in a physical store. Added to my XXXX XXXX XXXXand attempted to use in store on XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX However all declined. Contacted Amex on XX/XX/XXXX, and they advised XXXX and XXXX XXXX are restricted vendors due to security reasons. They advised to keep trying different stores, both online and in store, but they do not have a list of restricted vendors. When asking for a physical card with the remaining balance, they advised they can not issue and e payment as a physical giftcard. I am unable to use AmEx e-gift card at any retailers that accept amex payments, despite AmEx Gift card being advertised as such.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied the American Express Hilton Honor credit card ends in XXXX XX/XX/XXXX, with referral and because of the card welcome bonus - spend {$2000.00} in XXXX months to receive XXXX points. I've reached the goal of {$2000.00}, but I have not received the pts yet. I contacted the representatives, and they said there was no welcome bonus offer, and I was notified there was no this offer when I applied. However, I'm sure I didn't see any of those notification before I apply, otherwise I would simply not apply for this card. I have like XXXX credit cards and maintain a like XXXX % credit use ( total creidts like XXXX ) with XXXX missed payment in the last XXXX years.
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I checked my American Express Bluebird prepaid debit card account for my paycheck and noticed my paycheck had been direct deposited electronically. There was also a withdrawal made from an ATM for {$200.00}. I did not authorize this, was not present for the withdrawal, and did not benefit from this withdrawal. I had not given my pin to anyone and my card was in my possession. I disputed the transaction online immediately and filled out all appropriate paperwork requested by the company. On XX/XX/XXXX my request was denied, citing that the company found there had been no fraudulent withdrawal and the transaction had been authorized. I was told I had the right to review documents used to come to this determination. I sent a letter requesting documents that showed why American Express had made this decision. On XX/XX/XXXX I received another email informing me that no documentation was used and my dispute was closed.
Company Response:
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have an American Express prepaid E-gift card. For a period of time I was able to use it, however, at the time it had {$45.00} ( roughly XX/XX/ ) it began being declined online in stores where I had previously been able to use it ( specifically XXXX ). I called the company and they recommended that I try using it in another online retailer. I tried this an it was declined again. I called two more times, where they recommended I try in-person and through an XXXX XXXX, both of which were declined. When I reached out again, they said they were unable to help me and when I asked to be transferred to someone who might be able to, they transferred and then hung up on me. They also seemed to have removed the refunds on transaction fees that they had previously made for me from my transaction ledger.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: During a routine review of my credit report, I found an account that I do not recognize. This account is being reported as a collection account and is updated every month, even though it is marked as closed. The name associated with this account is not mine, my legal name is XXXX XXXX XXXX. I have no recollection of ever opening or authorizing this account, and I have not received any communication or documentation about it. I am concerned about the impact this account is having on my credit report and score, especially since it is being reported as a collection account on a monthly basis. I have disputed this with the consumer reporting agency, and they are required to conduct a reinvestigation according to the Fair Credit Reporting Act ( FCRA ). If the information is found to be inaccurate or incomplete or can not be verified, the agency should promptly delete or modify that item of information from my file. I am eager to resolve this issue and ensure the accuracy of my credit report.
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received an upgrade offer from American Express in XXXX of XXXX - in exchange for upgrading my card to a different one with an annual fee, I would be awarded points after spending so much money. I feel like this was a bait and switch, or maybe a bait and you get nothing but an annual fee and we get more money. The specific offer was upgrade from a card with zero annual fee to one with a {$99.00} annual fee. In exchange for the annual fee, points rewarded on purchases are higher than the card with zero annual fee, and I was supposed to receive a bonus of XXXX points after making {$3000.00} in purchases within 3 months. The offer sounded good, and on XX/XX/XXXX I completed the upgrade online using the link provided in the email. I completed the purchasing requirement within the time frame, however I never received the points. I've made multiple calls, spending hours on the phone trying to get the points, but I'm simply told that the offer code wasn't on my account for the upgrade, therefore they will not reward them. Sorry, but if there's a back-end issue, and my upgrade offer isn't attached to my account through the black box that runs the website and links to accounts, that's not my problem. I even called after applying for the upgrade and was told that it wouldn't reflect on my account for a while. After getting nowhere through escalating my calls, I sent two certified, signature required letters to their corporate locations in New York, NY and XXXX, TX. These were signed for XXXX XXXX and XXXX XXXX, respectively, on XX/XX/XXXX. I've given American Express 8 weeks to reply, and I haven't even gotten an acknowledgement that they received my letters, or any other contact except for sending more offers for other stuff or to upgrade my card to the next tier. Again, the main reason I went from a free card to one with an annual fee was for the XXXX point bonus. I've included as many supporting documents as I could to show what I expected.
Company Response:
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I purchased a " package '' from XXXX, meal service delivery company, 60 days of meals ( 3 meals/2 snacks/day ) to be ordered at my convenience. A charge of {$1500.00} was made to my Amex card, I never ordered and did not receive any meals. In XXXX of XXXX, 21 unauthorized {$1500.00} charges totaling {$31000.00}. 00 were fraudulently charged to my account. XXXXXXXX XXXX owner, XXXX XXXX, through phone calls/text messages/emails, assured me full refund. However, he lied about refunding the money, stating he was sending certified check, a driver delivering check, XXXX refunding and more. Delaying, blatantly lying and scamming. I contacted AmEx. AmEx mismanaged claim, no resolution over a year ( total of {$6700.00} interest has accrued to date ). XXXX has history of engaging in similar fraudulent activities with others, including patients. I implored the XXXX XXXX XXXX to both demand American Express conduct a thorough investigation and facilitate a prompt resolution of my claims. Attachments : transaction receipts, communication records with XXXX XXXX 1. that these charges were unauthorized 2. that I did not use this service, and 3XXXX his admittance that the money should be refunded. 4. Detailed communication with Amex substantiating that XXXX was a bad actor, committing fraud and they did not act in a timely manner. I am making a claim both against XXXX XXXX XXXX, owner of XXXX and American Express for the mismanagement, not abiding by the contract to cover fraudulent payments and not removing charges and interest promptly. While I have a platinum card and a longstanding Amex cardholder, who pays in full monthly for over 20 plus years. Amex has not been helpful, and, in fact, I believe they have been negligent allowing so much time that the company folded in spite of the numerous efforts and documentation we provided them and despite the fact that there are several other substantial claims against this company and owner.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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/2023, I authorized a transaction with XXXX for {$230.00}. On XX/XX/2023, XXXX shipped my item. Also on XX/XX/2023, the charge was issued by XXXX to American Express. Issue : American Express dated this charge on XX/XX/2023, therefore denying me their credit card benefit which provides a {$200.00} statement credit for any XXXX purchase between XXXX and XXXX. I have spoken with the XXXX Executive Management team. They confirmed with their financial team that *ALL* dates are in XXXX - authorization, charge issue date, and charge acceptance by American Express XXXX Everything was on XX/XX/2023 or XX/XX/2023. Only American Express reflects XX/XX/2023, which I believe is an attempt to deny me their card member benefit for the {$200.00} statement credit. I opened a dispute with reference number XXXX to provide American Express a chance to rectify this situation. They failed to do so. American Express customer service representatives also failed to assist me. They continued to blame the merchant, despite the merchant ( XXXX ) providing clear evidence that everything occurred in XXXX.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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 reached out to American Express for a billing error dispute of the entire balance of {$2100.00} my letter was sent XX/XX/2023 XXXX and delivered XXXX XXXX. I sent out a " Billing Error Notice Affidavit Of Truth ''. Which will be attached to this complaint. My claim is that American Express failed to give me general disclosure which is a breach under " Code Of Federal Regulations " ( 12 CFR 1026.17 ). Im requesting the books and accounting related to my account because on my billing statement I am looking at a positive balance and if I caused American Express any deficit in the books i should see a negative balance on a TRUE BILL IN COMMERCE. American Express has responded but has failed to send me a true bill in commerce. Understand in according to a specific law ( 15 U.S.C. 1666d ), if there is an excess amount of money in your account ( a credit ) that is more than {$1.00}, the credit card company should give that extra money back to you. They should do this by sending you a check for the surplus amount. To ensure this happens, the law ( 15 U.S.C. 1666 ( b ) ( 2 ) ) requires the credit card company to provide evidence and documents ( books of account ) to clarify and resolve any billing errors related to this extra amount. This evidence will show how the credit card company arrived at the credited balance and why there is a surplus. In summary, the law mandates that if there's extra money in your account ( a credit ), the credit card company must send you a check for the surplus amount, and they need to provide evidence to explain and resolve any errors related to this credit.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received direct deposit from my paycheck to American Express Serve. They were 3 purchases made with my card n I told them repeatedly that it wasnt me who made the charges. They said they have proof I Told them I was at work n I live in XXXX The purchases were done in XXXX in XXXX while I was at work. I only use my American Express serve card for ATM withdrawals in XXXX only. The amounts were on XX/XX/23 for {$130.00} XX/XX/23 for {$53.00} both purchases from XXXXXXXX Please help me get my money from my direct deposit back Thank you
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A