Date Received: 2023-07-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: AMEX Stole my XXXX Reward Points! Thats Right! AMEX stole my XXXX reward points. I had 2 accounts, one business account which I accumulated over XXXX reward points since XXXX and one personal account which I accumulated XXXX points since XXXX. I retired in XXXX and had AMEX move my XXXX points to my personal account which they did cheerfully. Covid-19 pandemic hit about this time and I did not use my personal AMEX account because of travel restrictions and the pandemic. In XX/XX/XXXX, AMEX decided to cancel my personal account because of inactivity and my rewards disappeared! When I found out about this in mid XXXX, I contacted AMEX and complained numerous times via phone calls and repeatedly requested the points and account be reinstated. The first request was submitted to AMEX an was rejected due to incomplete information so again I called and requested another case be submitted ( Case # XXXX ) on XX/XX/XXXX which it was. After numerous follow-up phone calls the case was not acted upon. In both cases I reminded the AMEX agents that the Membership Rewards Program FAQ stated We will never cancel your account for any reason without notifying you in advance. In my case NO notification was ever received via email, phone call or mail! My last follow-up phone call was in XX/XX/XXXX. The AMEX agent again quoted the company line stating I was contacted prior to cancellation, which I never was either by phone, email, or regular mail. ( And I check my Spam/Junk folders! ) Further the cancellation was over 90 days old so they could not reinstate my account and my points were forfeited. In XXXX (? ) AMEX changed the Rewards Program, and now states If we cancel the Rewards Program, well notify you at least 90 days in advance. You'll be able to earn or use points during that time, but we may change or cancel certain rewards. As of this writing I am considering legal action against AMEX, however I wanted to warn other existing and potential AMEX customers about AMEX way of conducting business. To me, I think AMEX used the pandemic to change the Terms of Service and selectively steal reward points to improve the bottom line at AMEX. I will never again use American Express for anything unless my travel points are restored! They are a TERRIBLE Company completely without any scruples, only care about the bottom line, and will look for any reason to XXXX their customers!
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For a couple of years now I have been trying to resolve a missing payment for a balance reduction from my XXXX card to my Amex card. The Amex card is now closed however I have obtained a copy of the cancelled check and dispute letter from XXXX. I also recently re submitted a complaint directly through Amex without any result. Because my credit card is now paid off and closed I can not access the old credit card number it was under. I believe the initial issue may have been that I mis typed the credit card number for my account. My own account number was never credited even though amex cleared the funds. When I contact amex they say they have no record of my payment of {$3000.00} even though I have a cancelled check indicating otherwise.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX I opened a XXXX savings account. The purpose of this account was to managed money to be used to settle on a new home on XX/XX/XXXX. Beginning on XX/XX/XXXX I have been trying to have a wire sent to a title company for settlement which is today. I have called at least XXXX times. I have provided all requested documentation. I still have no money. My account balance is roughly XXXX XXXXXXXX. The wire requested is for XXXX XXXX. My account number is XXXX.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a XXXX XXXX line of credit my business name is XXXX XXXX XXXX XXXX, business address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXXIs the supervisor, I received a letter of denial that stated business address could not be identified. But they where asking me for my personal address information to upload in there system I sent in 2 form of my personal address bills one from XXXX and one from XXXX and they denied. I also connected my business bank accounts to there portal to validate my business They havent given me any good reason why my application was rejected only my business address is not identified which is false my business address is registered with government officials, banks, etc, I also have a personal account with American Express, they were very rude and talk aggressive over the phone to a customer also a client.
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm having a problem with someone applying for American express credit cards in my name to my address. I have no reason to apply for XXXX American express cards when I'm trying to build my credit! purposely trying to leave hard inquiries on my account to XXXX me over!
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Amex Promotional offer for Delta Gold credit card offered XXXX Delta miles for spending XXXX usd in XXXX months of issue of card. I am attaching a Chat transcript where a commitment made and then revoked. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Welcome back XXXX! In a few words tell me what you need help with or select one of these topics : WHEN WILL MY PROMO REWARD POINTS DELTA MILES CREDITED TO MY ACCOUNT? A Customer Care Professional will be with you shortly. In the meantime, please provide any information that may help us assist you. Hello XXXX, this is XXXX, Let me check your account to find the information for you. XXXX XXXX Good Morning. I hope you are doing good! yes thank you You are welcome! Thank you for your patience. I see you have met the threshold! yes You will get the bonus miles in XXXX weeks. This is the standard time frame. I request you wait until XXXX XXXX. It should be credited. ok. so i can expect XXXX delta miles credited to my account by XX/XX/XXXX You will be getting XXXX Miles ok thats nice thank you so much. Good day Have a good one too ; ) It was a pleasure assisting you today. You have great day ahead! bye XX/XX/XXXX Welcome back XXXX! In a few words tell me what you need help with or select one of these topics : hello I do not see my skymiles credit A Customer Care Professional will be with you shortly. In the meantime, please provide any information that may help us assist you. Hi XXXX, I'm XXXX, I see you are chatting about skymiles. XXXX, your skymiles get transferred to your Delta account each month after the statement closes. hi iwas told in this chat last month that my skymiles will be credited to my account by XXXX quote '' You will get the bonus miles in XXXX weeks. This is the standard time frame. I request you wait until XXXX XXXX. XXXX XXXX It should be credited. quote '' You will be getting XXXX Miles Is it regarding the welcome offer? yes???? XXXX, I really apologize for the wrong information shared. I've checked the details and the promotional offer was not applied and associated with your card as it is based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. not true. I have wriiten offer from Amex asking to spend usd XXXX in XXXX months, for getting sky mile credit of XXXX that was reason to get XXXX delta card I can totally understand XXXX but the welcome offer depends on multiple factors and I can see in your account notes that the welcome offer was declined. again not true. i accepted the card only for welcome offer i feel totally cheated I'm sorry if you feel that way, however, I would like to share that welcome offer eligibility depends on whether you have had the Card which you are applying for in the past and other factors as well... At end of the application process system tells you if you are eligible for the welcome offer prior to the final application processing... this was there in the card offer document i was told of no such thing I really apologize XXXX, if there was any way to add the XXXX points manually, I would have happily done that for you right away. no email giving this info may you can have talk with your seniors person who can make that happen In fact based on this offer i had a card issued to my wife also so that we can get delta miles as we travel by delts often i think XXXX going back on its offer is very dissappointing and unethical XXXX, here we all have same access and the decline was auto-generated according to the eligibility. I apologize for this. loosing XXXX miles ois definatelty is very dissappointing I will escalate this for you and will set up a case, shall I? is there someone in your org i can mail my case details to? i need to take up this matter with amex mgt I can totally understand XXXX, I will check this for you... please escalate this it leaves a very bad taste and i feel mis treated in fact i opened one CD with XXXX thinking goos about your org with XXXX XXXX, there is no such option where you can send the email but I'm escalating and setting up a case for you and I will mention all the details for you in that, shall I? deposit your person himself in my last chat promised about XX/XX/XXXX as credit of skymiles to my account i have this chat saved and it is down right dishonesty and renegading on promises made by amex please set up a case for my wif 's account too i will need to complian about this to some authorities/regulaters if necessary I really apologize for the wrong information shared. I have set up a case for you, the case number is XXXX. how can it be wrong when the person checked the details before committing Amex is going back on its welcome offer this is serious breach of trust XXXX, I have set up the case as you were promised, you will receive the welcome offer points. Our dedicated team will add the points manually for you. I really apologize for all the inconvenience that has been caused to you. ok please include my chat earlier transcript with the case papers thank you for your assurance. sorry if i upset you Sure, I have mentioned all the details that you were informed that they will get added by XX/XX/XXXX. I can totally understand you XXXX, I apologize for all of that. thanks Have a good day. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This credit was refused subsequently Repeated chats agains was fruitless. The company is renegading on its offer for Welcome bonus -on frivolus grounds.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Complaint Issue : American Express Platinum credit card # XXXX In XX/XX/2022, I obtained an American Express Platinum card and paid an annual fee of {$690.00}. The terms at the time of my application clearly stated that if I had never previously held a Platinum card, I would be eligible for a sign-up welcome bonus upon meeting the basic spending requirements. The phrase " One person per card per lifetime '' was explicitly mentioned in the terms during my application. By the third month, I had not only met but significantly exceeded the spending requirement of {$6000.00}. I reached out to American Express customer service, and they assured me that the sign-up bonus would be credited to my account promptly. However, six months later, the bonus was still absent. Upon contacting American Express again, they informed me that I was ineligible due to having opened two different American Express cards ( including a business credit card ) in the past four years, received bonuses ( approximately {$250.00} in total rewards from a card I applied for three years ago ), and closed the account. I filed an appeal, but it was rejected. I believe I have been treated unjustly for the following reasons : XXXX. No notification or alert was provided during my online application process indicating that I did not qualify for the sign-up bonus. XXXX. The terms during my application clearly stated : " One person per card per lifetime. '' I had never applied for an American Express Platinum card before. XXXX. When I contacted American Express customer service in the third month, the representative confirmed my eligibility and assured me that the welcome bonus would be issued immediately. XXXX. Despite their claim of my ineligibility for future sign-up bonuses, American Express continues to send me promotional emails or mail for other credit card bonuses. This is misleading and borders on deceptive practices. XXXX. I found some people ( online, my friends, etc ) who also had other America Express credit cards even more than mine still got the welcome bonus. That's unfair, you treated people differently.
Company Response:
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hi, I received the letter from American Express National Bank that someone attempted to one or m ore deposit accounts in my name at American Express National Bank, and it was without my authorization, the applicant had access to my name, address an Social security number prior to presenting it to them. I know who stole my identity and i am very scared about it. Last month people called me that they are from XXXX XXXX and someone tried to use my card and I believe them. They asked to me download the app on the iphone luckily it didn't work out. They took my XXXX XXXX XXXX card number and I was told by them that they will send the link and I should authorized but I declined the request and my bank found out it was fraud .I came to know people pretend they are calling from my bank and made me fool. Also I get new credits card which I never authroirized to opne. Please let me know how I can save the identity..
Company Response:
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been an American Express card member since XXXX. In addition to my XXXX XXXX credit card, I was recently approved for the XXXX XXXX Credit Card earlier this year. I have made two monthly payments on the new XXXX XXXX Credit Card. From XX/XX/XXXX - XX/XX/XXXX, I have been reaching out to America Express to request a courtesy refund of late charges of {$29.00} assessed to my credit card. They have denied this request with no reason given. On my last call, I authorized a 3-way call with reps from XXXX XXXX XXXX , American Express and myself. My payment was due on XX/XX/XXXX. I scheduled a payment to be made via Online Banking with XXXX XXXX XXXX to be delivered by XX/XX/XXXX. A late fee of {$29.00} dollars was assessed on XX/XX/XXXX. The payment was posted to my account on XX/XX/XXXX. On several attempts, I explained to the American Express representative that I also had another American Express credit card that I also paid via online banking with XXXX XXXX XXXX. The payment for this credit card is sent electronically. It was my expectation that when I added the new credit card that the payment would be made electronically as well. I have come to learn that due to some unknown reason, which no one at either bank can explain, a paper check is sent. As the consumer, I don't know what internal process XXXX XXXX XXXX uses for bill pay nor do I have control over the USPS. Even with this knowledge, American Express refused to refund the late fee and that is not right.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The person said they are with American Express and said that I will need to pay my past due amount and that AMEX will sue me if I do not. He said he would help me pay the balance. He also said my CC number but was off by XXXX number which is scary in itself. I told him I would go online and pay it now at americanexpress.com. I think I threw him off by saying that ha. If I ever get a call or email about this I always go online to my current login or call customer service myself.
Company Response:
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A