Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express has failed to provide SCRA benefits that were requested on XXXX XXXX, XXXX. After numerous attempts to receive any status of the request, after 60 days I was told I am not eligible for SCRA benefits even after acknowledging receipt of XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: VA
Zip: 22306
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I got a mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, no one had given me any indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! I asked to speak with a manager and he would not allow me to reopen my account and said " nothing can be done ''. I called AmEx several times after this, trying to explain the special circumstances of this problem, but they were not helping me resolve this, and would not even give me a discount on the fee. This feels really unfair and almost exploitative. Please help! I don't want my good credit score to be negatively impacted by this.
Company Response:
State: MA
Zip: 01824
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 or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I paid for two American Express Pre-paid Gift cards on or about XXXX 2021, each in the value of {$75.00}. Both cards had charges on them before I even received the cards in the mail. I attempted to comminicate with American Express to advise that they needed to send replacement cards. Amex said that they disclaimed all liability! For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.
Company Response:
State: FL
Zip: 33143
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am trying to use my companion pass with XXXX XXXX earned through my Amex XXXX XXXX XXXX and book my ticket by the expiration date. On the front of the companion pass, it says must redeem by XX/XX/23. I was not able to use the pass to book my travel today for XXXX and I am doing it by the expiration date. I called XXXX and they told me that I have to book and travel before the expiration date. They told me it was in the terms and conditions ; the curtains and conditions are only available after clicking through a couple more pages. They do not make it clear anywhere except in the fine print ; on the main page, they only say that you have to redeem it by a certain date. They also told me that they cant do anything and that American Express handles those passes. I called American Express, and they told me that XXXX handles the passes. After some back-and-forth, I got stuck with American Express. They admitted to me that it is confusing that the pass says must redeem by and doesnt clarify that you have to travel by that date ; it makes sense that an ordinary consumer would think that redeeming means booking and using the pass for the purchase. XXXX also admitted to me that if Ive ever had an XXXX in the past ( which I have ) that those work in the way that you have to book the travel within one year but you dont have to do the travel within one year. So they have another product that works the other way and one that works this deceptive way. My companion pass expires today and I wanted to book travel. Now they are telling me I have to wait up to 60 days for a response. My ticket price can go up by that point and I will lose out on getting a fare today. It is unfair and deceptive that they tell you you have to redeem the pass by a certain date, but what they really mean is you have to travel by that date.
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I was invited to sign up for a Rewards checking account. According to the terms of the email, I was offered a {$200.00} sign up bonus upon depositing {$5000.00} within 30 days of account opening and maintain that balance for more than 90 days. On XXXX XX/XX/2023, I signed up using the link from the email and deposited {$5000.00} into the rewards checking account according to the terms of the sign up offer. I have maintained the same balance as of today. Its been over 120 days and there is no sign of sign up bonus. When I tried to contact American Express customer service, I was given some lame reason stating that the sign up bonus was not offered because their transaction system somehow categorized the transfer as an internal transfer. I don't have own any account other than the rewards checking account and a blue cash credit card. Even if it is the case, there is no way, the funds deposited with them can be considered internal as I don't own another account on my name with American Express and I didn't have any deposits with American Express prior to this on my name. It feels like American Express is resorting to deceptive marketing to get deposits and then deny bonus with lame excuses. Even though I have patiently waited for 120 days with my money deposited with them, American express has not stuck to the terms of the sign up promotion but rather giving me a runaround. I want the sign up bonus promotion of {$200.00} to be honored and request bonus be deposited into my account. Request you to please check and update. Attached the first and the latest statement from the account for reference. Thanks and Regards, XXXX
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This complaint is not a duplicate of any previous complaints against American Express at CFPB. The response of American Express on XX/XX/XXXX was just the echo of its responses on XX/XX/XXXX and all the previous responses, which were full of false claims based on the fraudulent monthly statements manufactured by American Express. My complaint submitted to CFPB on XX/XX/XXXX, had clearly refuted the false claims of American Express in its response sent to me on XX/XX/XXXX ; however, in its response on XX/XX/XXXX, American Express just relied on its false claims on XX/XX/XXXX that In our prior response to the Consumer Financial Protection Bureau ( CFPB ) ID No : XXXX on XX/XX/XXXX, we advised we were unable to remove the account from your credit report as it was being reported accurately. Now in its most recent response from American Express National Bank on XX/XX/XXXX, it just played at echoing the same false claims it previously provide to me based on the perfunctory statement We responded previously to the Consumer Financial Protection Bureau ( CFPB ) CFPB Ref No : XXXX, XXXX, XXXX and XXXX on XX/XX/XXXX, XXXX ; however, American Express has deliberately neglected my request for the investigation of the fraudulent monthly statements it provided to me through CFPB, and my request for American Express to provide authentic monthly statements complying with the Payment Activities of my American Express credit card account ending XXXX ( Payment Activities XXXX see Exhibit-2-Payment-Activities.pdf attached with this complaint ) Further, although I have repeatedly proved that the the billing statements from XX/XX/XXXX through XX/XX/XXXX American Express sent to me through CFPB were fraudulent documents manufactured by American Express in my previous complains, in its most recent response sent through CFPB, American Express still made false claims that it did not miss any of my payments based on the [ fraudulent ] billing statements [ manufactured ] from XX/XX/XXXX through XX/XX/XXXX. Here, I again have included the details of the disputed payment again in the following : In XX/XX/XXXX, American Express charged {$8400.00} twice from my XXXX XXXX checking account for the purpose of paying the balance towards my American Express credit card account ending XXXX ( Credit Card ). However, American Express failed to apply either of those two payments towards my Credit Card, details are included here in the following : There is no dispute on the statement The payment on XX/XX/XXXX was returned, the dispute is whether American Express applied the {$8400.00} payment ( made on XX/XX/XXXX ) to my American Express credit card. a ) After I found out that American Express failed to apply either of those two payments that it took out of my XXXX XXXX checking account towards the balance due on my credit card, I immediately disputed the two missed payments with both American Express and XXXX XXXX. b ) On XX/XX/XXXX, XXXX XXXX informed me that one of those two {$8400.00} payments was claimed back from American Express ( See XXXX attached with this complaint ). When I contacted XXXX XXXX for the other {$8400.00} payment ( the Missed Payment ), XXXX XXXX informed me that it could not get back the Missed Payment from American Express because American Express rejected to refund it and claimed to have applied that {$8400.00} to my Credit Card. c ) After I spoke with XXXX XXXX I reviewed the payment activities of my Credit Card ( Payment Activities, see Exhibit-2-Payment-Activities.pdf attached with this complaint ) and confirmed that the Missed Payment was the {$8400.00} payment with XXXX. XXXX. The Payment Activities shows that the status of the Missed Payment is Returned. This has concluded the facts with evidence that American Express got the money {$8400.00} in XX/XX/XXXX but did not apply the money to my Credit Card. d ) In all its communications with me, American Express acknowledged that American Express did receive the Missed Payment from me, which is the same as shown in the payment confirmation from XXXX XXXX ( see Exhibit-3-Payment-Confirmation.pdf attached with complaint ) ; therefore, there is no dispute about the fact that the Missed Payment was successfully paid to American Express in XX/XX/XXXX. f ) Then the only dispute about the Missed Payment is whether American Express applied the {$8400.00} to my Credit Card or not. The Payment Activities ( see Exhibit-2-Payment-Activities.pdf attached with this complaint ) shows the {$8400.00} was not applied to my Credit Card as its status is Returned. However, American Express always made false claims based on the fraudulent monthly statements ( manufactured by American Express ) that it did not discard any payment to my Credit Card and the Missed Payment was applied to my Credit Card.
Company Response:
State: NY
Zip: 11355
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed. I demand that the accounts credit limit be increased for use due to the company decreasing limit. The decreasing of the accounts was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Finally received a letter in the mail saying that they comply with all regulatory agencies governing their business but nothing about anything that I instructed them to do or that the credit limit or credits have been applied to the accounts.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I was booking a flight it visit my mom from XXXX 's website. After selecting my flight and going the check out and pay for my ticket, XXXX offered me a welcome offer to apply for the " Delta Sky Miles XXXX XXXX American Express card : " Earn XXXX bonus miles after you make {$2000.00} in eligible purchases on your Card in the first 6 months. '' I opened the card on XX/XX/XXXX and was approved, and once I received the card I spent more than {$2000.00} USD ; however, the miles were never added to my Delta SkyMiles account. On XX/XX/2023 I contacted American Express to inquire why I didn't receive the miles, and they told me that I didn't qualify for this offer despite being approved. After mentioning the welcome offer 's details verbatim : " '' XXXX Bonus Miles To qualify for the XXXX bonus miles, you must make eligible purchases with your Delta SkyMiles Gold American Express Card that total {$2000.00} or more ( the " Threshold Amount '' ) within your first 6 months of Card Membership starting from the date that your account is opened. Miles will be credited to your account XXXX weeks after you reach the Threshold Amount. Bonus Miles may appear on your account in more than one deposit. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the spend requirement do NOT include fees or interest charges, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the XXXX bonus miles, your Card account must not be canceled or past due at the time of fulfillment. You can earn XXXX bonus miles after you spend {$2000.00} or more on eligible purchases on your XXXX within your first 6 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend {$2000.00} may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). Miles will be credited to your account XXXX weeks after you reach the Threshold Amount. American Express reserves the right to modify or revoke offer at any time. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain an offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit, we may freeze, or we may take away bonus miles from your account. We may also cancel this Card account and other Card accounts you may have with us. '' ; " Welcome offer ( s ) may not be available to applicants who have or have had this Card or previous versions of this Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your offer eligibility. If an offer is not available to you, we will notify you prior to processing your application so you have the option to withdraw your application '' ( when I tried to click the link for inquire more about the Terms and Conditions, the website could not display them -- included the screenshot for this ). After mentioning this, American Express opened a case to investigate. I contacted XXXX customer service, and they said to wait XXXX billing cycles. After waiting for another 2 months, still no updates nor miles added to my XXXX account. I contacted American Express customer service again and requested a supervisor, and they told me there were no updates regarding the claim, and to wait additional XXXX weeks for the case to finalize. The supervisor confused " which '' credit card offer I was mentioning ( they thought it was for the " XXXX XXXX XXXX '' ). Annoyed, I waited XXXX more weeks. I waited, and finally today when I contacted Amex customer support, they told me the offer wasn't eligible, without even notifying me that the claim was even resolved. After talking to Amex customer service today, they just want to offer {$100.00} USD to cover any " inconvenience ''. I declined, and stated that I just wanted to XXXX miles I was offered initially. The supervisor transferred me to a floor manager ( " XXXX '' ) who basically told me they I didn't qualify and basically berated to me that Amex customer service has always been " trying '' to help and how they've been transparent, but their attitude was inappropriate and I felt like they were trying to gaslight me that I was " wrong '' to even submit the question in the first place. I had also asked for assistance from XXXX, however, they never contacted American Express despite correcting the SkyMiles number information. I'm attaching the entire chat history within this claim. I will also add that my partner applied for this same promo since we BOTH received it from XXXX 's website. When he called, they told him that he didn't qualify because he had previously used the promotional offer ; however, I had never applied nor received this welcome offer from American Express. Therefore, I believe that both XXXX and American Express are baiting consumers for this Delta Sky Miles Gold Welcome Offer, which I find to be unethical.
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express received, processed and got credited my account for my negotiable instrument. On page 3 of their card member agreement form they said they accept negotiable instrument as payment. They put me on Financial review and i sent in the forms with affidavits and copy of their agreement form with them saying the accept negotiable instruments. They acted in Dishonor and have not sent back my negotiable instruments and closed my account with out my consent interfering with commerce.
Company Response:
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/23 I sent a conditional acceptance to American Express ( AMEX ) asking for proof and verification of the alleged credit card debt and alleged personal loan debt. In these documents AMEX tacitly agreed that any negative credit remarks would be removed from credit bureaus. AMEX failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debts ( both accounts ), and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A