Date Received: 2023-07-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert on XX/XX/23 on my American Express Credit Guide stating a new tradeline had been opened that I did not authorize. I have raised a dispute with XXXX and am hoping to get my account expunged of the unknown account.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I received an offer from American Express Credit Card to receive XXXX membership reward points if I added an authorized user to my credit card by XX/XX/XXXX and the user spent {$2000.00} on the card within 6 months of opening. I added an authorized user on XX/XX/XXXX and received email confirmation of their approval on XX/XX/XXXX. Further, I confirmed I spent well over the {$2000.00} within 6 6 months to qualify for the reward. A month after doing so I reached out to American Express to see when my points will be rewarded and was told it could take up to 8 weeks. After not receiving any points within 8 weeks I followed up around XXXX of XXXX and had a customer representative open a case to review. I never heard back from American Express on this so I called a customer service representative on XX/XX/XXXX, who told me the case report said I was not eligible for the offer because I added the authorized user after XX/XX/XXXX. Since I know that is not the case ( and have email prood ), I requested to open a new case and attach a copy of the email approval on XXXX as proof that I qualified for the offer. On XX/XX/XXXX I followed up on my new case with a representative who told me my case was reviewed and the outcome of the case was that I never had the offer on my account that I claimed to have. I am getting really frustrated because I keep getting different information every time I call, and feel like American Express is trying to avoid giving me the reward I deserve. When I call their customer service line, I am only able to have a representative open a case for me, rather than review it live. The team that reviews these requests is back-office which makes it impossible to get a clear answer. Please help me get the points I deserve. Thank you!
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a {$29.00} Return Payment Fee on XX/XX/2023 for insufficient funds for a payment on my American Express Delta SkyMiles credit card. I already tried to request a refund for this fee over the phone, but it didn't work out. I was hoping for a one time exception as a loyal customer with American Express for years now. Looking forward to hearing from you soon.
Company Response:
State: CA
Zip: 95131
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I, XXXX XXXX and natural person, was denied credit by AMEX when I applied for a credit card, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by AMEX due to the response I received. AMEX is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMEX 15 U.S.C 1602p. If AMEX fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make AMEX criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/2023 I notice my interest rate on my American Express Blue Cash Card had increased significantly on my current statement. I called American Express to inquire and the representative told me they notified me of changes to my terms and conditions on my statement that ended in XXXX. I do not look at my statements every month so I had no idea this change took place. American express completely changed my terms and conditions for no apparent reason. The reason they gave me is not valid unless I did not adhere to the terms of the original contract, which I did. I have not been late on payments, and my credit is the same as when I applied. I actually just opened another credit account with excellent terms. I should not get unfavorable terms because I would have under current card offers they are offering. This is egregious and predatory. I have never had a credit card company do this to me and I have had established credit over XXXX years. I currently have other credit cards in outstanding condition. Changes of this magnitude should not have been hidden conspicuously at the very bottom of a statement. I should have received a separate correspondence. This is not right and I need this rectified immediately. I have been trying to pay this card off and its like they keep going up on my interest preventing me in doing just that. This is unacceptable!
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: American Express acct numbers ( XXXX, XXXX, XXXX ) have all been discharged with negotiable instruments but they will not credit my account and continue to harass me over this.
Company Response:
State: WI
Zip: 53072
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: American Express is the credit card company I would like to file a complaint for. I applied a credit card Delta SkyMiles Gold Card from American Express back in XX/XX/XXXX with a deal that I would receive a welcome bonus of {$300.00} if I used the card to purchase XXXX XXXX tickets and also if I spent {$2500.00} in the first 3 months after opening the account. I received the card several days later after the application but there was no indication from XXXX that I would not get the welcome bonus {$300.00}. In between, I did not receive any letter or email from XXXX that the card was provided to me but no welcome bonus that I was qualified. Without knowing it, I charged the card for XXXX XXXX tickets and continued to spend more than {$2800.00} in the first month and a half on the card. I had discussed this matter with the company 's representatives. They answered that they would bring this compalint up to the upper lever and let me know if they came up any solution on my case. After waiting for some time without an answer from them, I decided to pay my first statement balance immediately but left out {$300.00} which I was supposed to be given ( I paid them on XX/XX/XXXX for {$2500.00} ). As of today XX/XX/XXXX, I have not received any answer from XXXX regarding the status of my {$300.00} welcome bonus. So far, I had received 2 more statements which showed interest and fee of {$330.00}. I had closed my account on XX/XX/XXXX XXXX Please let XXXX know that I do not owe them any money and do not want to receive any more statement from them from now on. Thank you for the help on my case. Your time and effort is greatly appreciated. SincerelyXXXX XXXX XXXX XXXX XXXX XXXX American Express card XXXX XXXX
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
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 have been going back and forth with Amex for over a year now, including numerous communications through CFPB. The unauthorized fraudulent transactions on my account total over {$15000.00} and Amex refuse to address my concerns adequately and rarely call back with the information requested. It is impossible to get information. I called on XX/XX/XXXX and was told XXXX would call me. XXXX eventually left me a voicemail on XX/XX/XXXX. I called back on XX/XX/XXXX and XX/XX/XXXX and was told I would be called back within XXXX hours. this never happened each time. I am at a loss how to get answers to my questions and continue to be shocked by Amex 's unbelievably bad customer service, conflicting information, changing decisions. Therefore I require the following : - Confirmation of where this dispute stands. On XX/XX/XXXX, XXXX told me I had been credited one of the disputed amounts and the other was pending. Is this true? Has any of the disputed amount been credited? - Contact and address for service of process - Details of the mediation process and costs associated - Details of the arbitration process and costs associated A copy of this has also been sent to my lawyer
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: AMEX has fraudulently failed to waive its annual fee for me, an XXXX XXXX XXXX, after promising no annual fee for all military members. Since then, AMEX has strung me along with 30-60 day " investigations '' into my XXXX status. I commissioned in the XXXX XXXX in XX/XX/XXXX. I entered full-time XXXX XXXX in XX/XX/XXXX. American Express represents that XXXX military members may obtain a Platinum card with no annual fee. Indicating my XXXX status, I applied for and received a Platinum card in XX/XX/XXXX. In XX/XX/XXXX, I noticed that AMEX had charged me a {$690.00} annual membership fee. Looking back, I found that they had charged me {$690.00} in XX/XX/XXXX as well. I began inquiring with AMEX regarding why I was twice charged an inapplicable fee, I received letters saying I was ineligible for " MLA '' and " SCRA '' benefits, and they assured me they would investigate, providing a window of 30-60 days for resolution. Multiple " investigations '' were conducted, each time after 30-60 days concluding that " after checking the DoD database, I was ineligible '' or not on XXXX XXXX. This process has continued throughout XXXX, each time AMEX assuring me that they are investigating and finding no information from the DoD. From XXXX XXXX, I have additionally provided AMEX both ( 1 ) my XXXX XXXX orders and ( 2 ) verification of my XXXX status from the DoD Manpower Data Center XXXX On XX/XX/XXXX, after I provided that documentation, I was assured my case had been " elevated '' and that I would hear back in 10-14 days. After hearing nothing for nearly a month, I called AMEX on XX/XX/XXXX and was informed that there was no difference between a normal case and an " escalated case '' and that I would ( again ) hear back in 30-60 days. In the meantime, I was advised by AMEX to " tell my superiors to verify that I am on XXXX XXXX. ''
Company Response:
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear American Express, I am writing to express my frustration with the experience I have had as a result of your decision to cancel my card. As an authorized user on the card, I was made aware of the requirement to submit my SSN within 60 days in order to keep my privileges. I completed this requirement and received confirmation from American Express. Despite this, I have been declined credit when attempting to apply for a credit card with American Express. This is extremely frustrating and makes me feel discriminated against, especially considering my track record of good credit with no late payments, collections, or high balances. I believe it is unfair to extend such treatment to a customer who has not only complied with the requirements but also has an excellent credit record. I urge you to reconsider your decision and allow me to utilize the services offered by American Express. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A