Date Received: 2023-07-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I had my identity stolen as number, driver'licence, credit cards, I've had accountsbooened in my name. My address has bern ch as the on XXXX server times. XXXX my XXXX children s ss cards been stolen and used. I'm getting notice them being used I DDT idnt use there identity or my own like this I've had 2 checks stolen and cashed from irs taxes s also.Im currently waiting on desicion on my social security afraid there stealing this too. Pleaseeh.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was sent a promotional email on XX/XX/2023 indicating that if I signed up for the XXXX Amex XXXX credit card, I would receive XXXX bonus miles. The fine print stated that this particular promotion would run through XX/XX/2023. The email was addressed to me by name and included my unique XXXX XXXX number. I applied for the card and was approved on XX/XX/2023. I spent the required amount ( {$2000.00} ) and was awarded only XXXX points. On XX/XX/2023, I spoke to a Customer Service Rep who asked me to attach the promotional email to the Amex XXXX XXXX as proof. She walked me through the process and the site returned an error message. She said she didn't know how to resolve it and that someone would call me back. I followed up multiple times without a response. Finally, after over two months of Amex telling me that it would be resolved ( and the additional XXXX points applied ), I was told by Customer Service on XX/XX/2023 that because I applied for the card online, it's possible that I didn't use the " correct channel '' to apply and therefore the XXXX points would not be applied despite what was stipulated on the marketing materials. The Customer Service XXXX ( ID XXXX ) stated that nothing could be or would be done. She informed me that the issue had been investigated and dispositioned by Amex already. This apparently occurred around the first week of XXXX without reviewing the promotional email referenced above and without notifying me.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. I submitted a negotiable instrument in switch American Express did not accept without any detailed explanation. They stated that the payment was non negotiable but did not state what made the payment non negotiable. In a detailed manner I am asking what made the negotiable instrument, non negotiable? If not acceptable my next steps are to sue the company for damages because this is harming me from excelling in life and buying a car and home for myself because of the ignorance of the law. The negotiable instrument had everything that was needed to have the money sent to them. Under UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hj! I received a letter approximately XX/XX/2023 that if I dont reach to American Express to discuss procedure on my credit card by XX/XX/2023 that it would close and sent to collections! Ive called around XXXX XXXX XXXX to discuss matters and was told that it was already sent to collection and today is the XXXX
Company Response:
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was able to transfer out {$50000.00} from my AMEX Savings account to my XXXX bank account on XX/XX/XXXX. I received no warnings or alerts about this transfer. Then after threatening to take the rest of my money out of AMEX given poor customer service, I went to follow through on that. On XX/XX/XXXX, I transferred another {$30000.00} to the another account under my name at XXXX XXXX, which had been verified via trial deposits, but this time AMEX held the transfer and completely froze my account. I called AMEX per the website 's instructions on Saturday XX/XX/XXXX given I was unable to transfer any money from my account. The rep told me I wouldn't be able to do anything until Monday given the banking office I needed to talk to was closed. I have no idea why AMEX would restrict funds transfer to a bank registered in my name only AFTER I had threatened to transfer the rest out ( especially after allowing a larger transfer just 2 weeks before without any fraud alerts ) other than being punitive and spiteful.
Company Response:
State: VA
Zip: 22802
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Reply from XXXX XXXX XXXX Re : XX/XX/XXXX response from American Express- XXXX XXXX XXXX XXXXXXXX XXXX, you may wish to have someone other than a Customer Advocate be advised of this complaint. Each time you have countered my replies to AMEX, you insisted no error was made in your investigation involving the theft of my funds by unauthorized withdrawals. In over twelve years, not one dime has been withdrawn, yet, within weeks, {$250000.00} was removed. Therefore, I would posit : 1. You have not complied with all rules and regulations cited in 15 USC 1693f ; 12 CFR 205.11. 2. You failed to secure my funds as you stated that not every transfer triggers a fraud concern. Withdrawal of {$250000.00} did not create some type of fraud alert? I am uploading the investigation by the XXXX XXXXXXXX XXXX Sheriffs Department validating that your inept, simplified, negligent investigation was no more than a sham. The detailed and more thorough investigation by the Sherriffs major crimes, cyber-crimes, Attorney Generals Office, and Secret Service negate your excuses of no error being made in your investigation. Knowing the lawful facts, we can not conclude that American Express Bank ( AMEX ) conducted an adequate investigation. Unauthorized withdrawals were conducted by unauthorized users. AMEX did not attempt to limit the withdrawal of {$100000.00} ( XX/XX/XXXX ) ; {$100000.00} ( XX/XX/XXXX ), and {$50000.00} ( XX/XX/XXXX ). With each of these transactions exceeding the {$10000.00} daily aggregate amount, no Suspicious Activity Report was filed. No communication to this account holder was ever initiated. U.S. law enforcement provides banks with access to resources and tools that can be used to strengthen Bank Secrecy Act ( BSA ) /Anti-Money Laundering ( AML ) risk management programs. My funds were removed from AMEX without any recognition of the portent of these stolen funds. You are responsible for this loss. 1. I would like to see documentation on the extent of the investigation on which you based your findings. It was your duty to offer to share the documents you relied on rather than just a transaction sheet. It is a violation to not produce these documents. Again, the attached investigation by government authorities validates that I did not authorize or conduct these transfers. 2. Why doesnt every substantial withdrawal trigger a fraud concern? 3. Why is your logic that you must retrieve funds? Given so many government regulations that Amex did not follow, AMEX gave my funds to unauthorized hackers. The fault lies with American Express. My reimbursement lies with AMEX. 4. It is also my understanding that if American Express fails to conduct a reasonable investigation or comes to a completely unreasonable conclusion with the evidence they have, I may have a claim against the bank for violations of the Electronic Funds Transfers Act ( EFTA ). Such a claim entitles the consumer to three times their lost damages plus attorney fees.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: When I tried to use my prepaid gift card I checked my balance and noticed three charges of {$20.00} each another one for {$7.00} to XXXX XXXX in XXXX XXXX XXXX. I live in XXXX and I have never made an attempt to purchase such app and I do not live in XXXX XXXX XXXX. And the Amex XXXX was given to me as my birthday gift to use at XXXX XXXX in XXXX. I immediately contacted the Amex XXXX XXXX at XXXX and reported that someone had used my card. I was informed it would take 45 days to clear and would receive a new card. But instead, I received an email stating my dispute was not approved for unknown reasons and that case has been closed. Dispute Case No XXXX Thank you so much for helping me with my case. I am extremely disappointed in how my case was handled by Amex XXXX XXXX XXXX XXXX.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I questioned the entry or charge that was reflected on the bill which was from XX/XX/20. When I called initially they told me it was interest I was being charged from that point to the current bill date which came to {$30.00}. I thought about it and called again the next day and could not understand why I was being charged for three years and when I called I spoked to an XXXX from a foreign country who tried continuously to be evasive. I asked him bout the charge and he said he could not bring it up and I said then why are you charing me. He said he could not bring it up because it was too long ago so why charge me. This whole thing does not sound right. He also said he put in a complaint for me. I wasked to send me an email and he said he could not do that. Something does not sound right.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a XXXX card with American Express ( closed, by me ). They made it explicitly clear that the account was closed and no there were no additional transactions allowed. I couple weeks ago I noticed a transaction called financial relief spend for XXXX, and then another charge removing it. It is suspicious so I called. They told me that it was them changing spend from my pay in full to pay over time balance buckets so that I can maintain the XXXX payment plan for XXXX additional month. This seems like a benefit, though random and not ask for, they also increased my XXXX about 15 %. I dont believe this spend was a balance bucket transfer ( I see no evidence of that ), and it coincided with a XXXX XXXX of about $ XXXX that occurred between my mother and myself on the same day. I was told this would be investigated and I would hear back, I never heard anything. I have screenshots of all of the transactions. Also during this time, Amex initiated a name change for me without my authorization. When I brought it up, they denied it, but I have a screenshot of their app showing that as well.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
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 paid {$19000.00} for the XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my American Express card through XXXX XXXX XX/XX/XXXX attaching the Contract that was executed on XX/XX/XXXX outlining the terms of the agreement. This indicated to me that I received a Contract for Services, including the 9-day cancellation clause. The vendor ( XXXX ) was very slow to respond immediately, which raised a few red flags for me. I submitted my cancellation and refund requests MULTIPLE times and the vendor has ignored them. I filed a dispute with American Express to no avail. I thought the cancellation clause offered plenty of protection in case they didnt deliver on the account setup promise, in addition to me paying with my American Express card. I thought I will have purchase protection. Unfortunately, this is not proving to be the case. The payment processor, XXXX, has indicated that the payor waives the right to any disputes, and they will not honor the terms of the contract with XXXX XXXX, even upon submission of all of the documentation that supports the company 's scam and fraudulent activities. I found numerous complaints filed with the XXXX from disgruntled clients who have fallen victim, all of which are unanswered and unresolved. In addition, I found a few others who fell victim. I was able to locate one of them who confirmed he in fact was scammed as well and that there were several others American Express has failed to uphold consumer protection as well, even after submitting all of the communication, proof of cancellation, and the contract due to XXXXXXXX XXXX position. I have complaints filed with the FTC and the FL Dept of Agriculture and Consumer Services and plan to contact the FL District Attorney.
Company Response:
State: FL
Zip: 32937
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A