Date Received: 2024-01-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was given 2 Amex gift cards from my job, one for XXXX USD and the other for XXXX USD. I tried using them in multiple vendors including XXXX and XXXX. I have been unsuccessful in all of those cases. Whenever I tried to look at the balances for the cards it showed authorization holds for such vendors but nothing else. I was reading online that Amex gift cards end up having poor customer service and often people face long waits on hold without having their issues resolved. It's been suggested that I file a case since it tends to be more effective and responsive from Amex.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Tried to add American Express Gift Card to XXXX to purchase items and card keeps getting denied.
Company Response:
State: MN
Zip: 56601
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Since XX/XX/2023 -- the following are the complaint that I filed with CFPB notifying American Express of the security fraud that they account on my principal account. My application for your services are registered security which is an obligation of the United States. Which makes it cash and I am not receiving a valuable consideration for each security. I believe I have given American Express adequate notification that the closure of my accounts is security fraud. American Express continued to ignore my notice of security fraud. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: American Express 's underwriting team hoodwinked me and other consumers into sharing their private banking information and statements to attempt to steal identity and intrude on consumers ' privacy. XXXX XXXX : XXXX American Express in XXXX is being utilized as an errand boy by promoting illicit compliance processes in the credit underwriting teamin a particular country or jurisdiction, an unqualified workforce that takes advantage of consumers, makes discriminatory, snide remarks such as XXXX, employee ID who stated her employee ID is XXXX making disparaging remarks about my benefits, interests rates which are outside of her job as she is not privy to my information inmy bank accounts breaching bank secrecy act.Such illicit actions by the underwriting team are violating antitrust laws by giving them an unfair advantage. This is also a discrimination concern because creditors are being discriminated against and violating FCRA and FTC privacy and security, bringing up concerns of identity theft and other laws, rules, and regulations. XXXX XXXX is the underwriter coordinator/liaison. The unknown underwriting team and illicit underwriting team memberssuch asXXXX XXXX makeXXXX XXXX do the dirty work do dirty work of the illegal process. This violates labor laws, so consumers can't find a source to discuss their dire issues or find accountability. XXXX XXXX is the errand boy for the illicit underwriting team without accountability.The underwriting team spreads misinformation and disinformation to consumers to earn their business, compromise their privacy, steal consumers ' identities, and discriminate against consumers basedon their protected classes. The underwriting team hides American Express, tarnishing its reputation while employed illicitly. This is a dire concern to consumers who will ; the associate, XXXX XXXX, mentioned that consumers do not have the right to know who is looking at their financialstatements/identity/privacy. XXXX XXXX could not provide proof of such policystating that unknown or existing underwriting exists within American Express without discriminating against consumersor adhering to FCRA, FCPB, and FTC laws, rules, and regulations. Furthermore, employees such as XXXX are in different countries or jurisdictions and must be aware of FCRA and FTC. The consumers have the right to know how their accounts are being handled. XXXX XXXX said he passed on the feedback without any urgency or acknowledgment of the gravity of this situation regarding the high-riskand illicit process of Americans in the underwriting team. But no results while consumers are being defrauded and their rights are being violated. It was an aggressive, illicit way they acquired more of my banking statements by asking for more statements by false disposition and misrepresentation. The consumers have yet to learn who these people are, and there have been numerous by my banks to show that the underwriting team needs proper credentials to make decisions on consumers ' accounts. " XXXX, '' I don't know her last name or her employee ID, left me a voicemail. She must coach her team to follow the laws, rules, and regulations of the country or jurisdiction. She is in the USA, but I'm waiting for a call to get feedback on her due diligence. Who is XXXX 's supervisor? There are misrepresentations and spreading of misinformation used to hoodwink consumers within American Express who misrepresent themselves in the background to earn consumers ' business, just like how XXXX XXXX opened fake consumer accounts. The consumers have yet to learn who these people are without proper credentials ; they are soliciting their fake/false underwriting credentials without proof. One of the personal coordinators of the banks said XXXX needs the credentialsto look at and make decisions on underwriting.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Dear CFPB, On XX/XX/XXXX, I opened American Express Business Platinum card for my business XXXX XXXX According to American Express Terms & Conditions XXXX XXXX XXXX XXXX XXXX, I need to spend {$15000.00} in three months to get XXXX American Express Member Reward ( XXXX XXXX points. I met this spending requirement on XX/XX/XXXX of {$15000.00}. After deducting {$690.00} American Express Member Fee, I actually spent {$15000.00} before/on XX/XX/XXXX. This amount is more than {$15000.00} which is specified by American Express XXXX XXXX XXXX. However, American Express stated that I did NOT meet the spending requirement and therefore to NOT offer me the account open Member Reward points of XXXX. I have called and chatted with American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and American Express opened two cases ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) for the issue. So far, there is no resolution from American Express and they still insisted I did NOT meet the spending requirement even though American Express Card Transaction Activity clearly showed I spent {$15000.00} between XX/XX/XXXX and XX/XX/XXXX. I sincerely request CFPB help me resolve the issue. It has been lasted for more than 12 weeks and American Express must offer me the Member Reward points as it is specified when my account was opened. Thank you so much for your help. XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 01545
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for amex 's platinum credit card through a friend 's invite link on XX/XX/XXXX. After I clicked on the link, the webpage showed that I could get a welcome offer of XXXX points if I spend {$8000.00} within 3 months, so I applied for the card and called the amex customer service number to confirm after submitting the application, the staff on the phone told me that I did meet the requirements and sent me the credit card in the mail. Within a month of receiving the card, I had spent {$9000.00}, which qualified me for the welcome offer, but I had not received the XXXX points. I spoke to the online customer service and was told that the system logged me as agreeing to give up the welcome offer, which I thought was unbelievable, there was no way I would give up my welcome offer! So the customer service agreed to start an investigation for me. However, when I asked for the result of the investigation, they told me that they could not find the call history and therefore I could not get the welcome offer, but I had made the call and I was able to provide the screenshot of the call history. I believe that amex is committing fraud by soliciting customers through advertisements and then denying it when they make good on their promises and can't provide any evidence. As a consumer, very passive and helpless, I feel cheated.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I applied for the American Express Gold card. I was denied credit and told that because of my credit score and rating that I would not be receiving any access to my credit. I have a right to credit and to be denied access to my securities and open-ended credit structure can be considered securities and trust fraud. I feel this company is in clear violation of The Equal Credit Opportunity act. and united states Codes 15-USC-1691c 15-USC-1692k 15-USC-1681 15-USC-1611 and can also be classified as discrimination according to 12-CFR-1002 Because my Social Credit card was used in a Consumer credit transaction and I received no benefit, this is fraudulent and a direct attack on my rights in commerce. Credit worthiness is not clearly defined, and I feel this is violation of 12-CFR-1002.7
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Payment for Hilton Honors Am Ex card was processed on XXXX XXXX, which is the payment due date, see attached proof of payment from XXXX XXXX. Am Ex claims that they received the payment a day late on XXXX XXXX and charged my account {$29.00} late fees on XX/XX/XXXX and interest on XX/XX/XXXX at {$11.00}, which is now due on XX/XX/XXXX, total of {$40.00} in fees and interest for payment that was " processed on XX/XX/XXXX ''. I reached out to AM EX customer service via chat and voice call. They insisted that they received the payment on XX/XX/XXXX. None of them were able to offer one-time courtesy credit ( My bills are paid in full and on time ). I am also concerned about additional interest on these late fees and interest popping up in subsequent cycles of billing. Numerous consumer board chatter/conversations state similar issues with Am ex charging strategies - fees and interest in similar situations as mine.
Company Response:
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: American Express restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. According 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Pursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX sent communication via mail stating they are debt collectors and are attempting to collect a debt. Communication dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from American Express in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that American Express allowed them to make an offer to regain card membership and reinstate the account. I then sent XXXX communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from XXXX XXXX XXXX, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from XXXX in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with XXXX XXXX XXXX. As stated in the communication sent to XXXX, I believe they may be an innocent purchaser of the alleged debt. As American Express may not be in compliance with their prospectus. An audit of both accounts, American Express and XXXX is being requested for tax purposes.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A