Date Received: 2023-07-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the platinum card and was temporarily denied due to a late payment. The late payment was the result of an ACH issue with XXXX and they provided documentation to explain why the payment was returned. I made a payment the same exact day for the amount due because of the mishap. I called customer service reconsideration to explain and tell XXXX the agent that I would like to be reconsidered. He said he didnt have access to help and he had to escalate the call.
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX Amex enrolled me into the following offer The offer to receive an annual statement credit is only available to Corporate Card Members who apply for a new eligible Personal Card. However, as a valued Card Member, we are able at this time to extend this offer to you as a courtesy for your existing Personal Card account. There are additional offer terms that I will now read to you. With this offer, you will receive an annual statement credit of {$150.00} for Platinum in each year that you maintain both your current Platinum Account and your current Corporate Card account. The annual statement credit will be posted to your Personal Card account within 8-12 weeks after each anniversary date of your Personal Card Membership, starting after your next anniversary date. To be eligible for the annual statement credit, both your current Platinum account and Corporate Card account must not be cancelled or past due at the time a statement credit is posted. On XX/XX/XXXX, an Amex rep confirmed that I would receive the credit within 12 weeks of renewal. On XX/XX/XXXX I wanted to cancel my card but since I would receive a credit of {$150.00} on renewal, I decided not to cancel my card. On XX/XX/XXXX when I contacted Amex, the representative made up excuses for the missing credit. First he said that I didn't apply for a new card ( I pointed out that the rep enrolled me for an existing card ), then he said I didn't wait for 12 weeks ( I did ) and finally made up that XXXX XXXX XXXX cards are not Platinum cards and are ineligible. When asked why 1. The initial rep enrolled me into the offer even though it wasn't " supposedly '' a Platinum card? 2. Where it said that it was excluded in the terms of the offer? the rep had no answer. He made up things like oh we see this only internally and XXXX XXXX XXXX is not a Platinum card ( even though Amex markets it boldly as " The Platinum Card from American Express Exclusively for XXXX XXXX '' at XXXX : XXXX I was escalated to someone claiming to be a supervisor but that person was worse than the non-supervisor rep. All that person did was tire me out by waiting 10s of minutes between responses and pasting the previous reps statements word to word or random boilerplate platitudes.
Company Response:
State: WA
Zip: 98028
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Hello. I am very surprised about the response that you sent me for my last complaint, with the identification number XXXX, from XX/XX/2023. Simply, and very easily, my American Express credit card that ends in XXXX does not appear on all three credit companies ' reports, that includes XXXX XXXX, XXXX, and XXXX. It only disappear in the last month, and I do not know by who this occurred, as it always appeared every other month since I had this card. I submitted a complaint against all three credit companies, XXXX XXXX, XXXX, and XXXX. All three of them told me to contact you. And it is very strange that you are telling me to contact them. Someone is making a joke from this entire ordeal. Please take care of this, and make sure that this American Express credit card, which I am using actively, and is active, and again I say, that ends in XXXX, appears in all three companies ' credit reports, and does not tell me history stories. I would like to mention that on your credit report too I checked, and it does not appear on your credit report either. I have three credit cards with you, and another personal loan on my account as well. Two of my credit cards, American Express XXXX XXXX, and American Express XXXX XXXX, as well as my American Express Personal Loan, all appear on my credit report, excluding my final third card, ending in XXXX. And it is strange that this card ending in XXXX is the only one that does not appear. And all of the three credit companies tell me to contact you. And you send me to the three credit companies. So what is not correct, is all of you have an issue. I expect that this will be the last complaint that I will submit here and that you fix the issue. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 I got a email from bluebird prepaid card company starting my money was deposited {$1200.00} so I went on my mobile app and signed in as I was looking at my account my money was leaving fast I called the bluebird prepaid card company and asked them why is my money leaving my account and I don't have a card? I was told that I didn't order one I informed them yes I did on XX/XX/2023 and was told that one would be issued in 5-7 business days on this day as they were talking to me inside of correction the problem my money was still leaving my account now I had {$18.00} and at that time they helped me with a money pick to XXXX for {$15.00} dollars because the company charge {$3.00} dollars fee for that in between time I did a dispute on the matter and in less than 45 days it was denied so I reopened it again and once again it was denied why? Because they claim they did a investigation how and it was less than 45 day time frame. I just sent in the paperwork you asked me to do just Yesterday I faxed it and yes we did receive it but the investigation team denied it so I reopened it again I am just tried of this I couldn't pay my rent are other bills right now I am behind on my rent and other bills because of this I called the the bank that they affiliated with I call XXXX money they are also affiliated with and was told that I should have gotten my money returned back to me and that they can do nothing about it they just affiliated with them I call back ask you the supervisors because of the service are rude okay I'll look it up all the main offices in the XXXX they don't even have a corporate telephone number nothing I'm not getting through with the company XXXX number that's on the back of my card at the time it was the car engine in XXXX you know please somebody help me get my money back cuz I feel as though that I'm very being treated very unfairly concerning is I've been with that company for 6 years and never had this problem and now that I have they don't want to refund my money that's against my constitutional rights
Company Response:
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX, I applied for the AMEX Platinum card using a referral link provided by a friend. When I applied for it, Amex application page link shows that I could get XXXX points+ {$200.00} for my welcome offer if I spend XXXX in first 6 months. In 3 months, I paid for the card annual fee ( over {$600.00} ) almost spent XXXX and checked with the customer service about the welcome offer. They told me that the welcome offer is not approved and therefore I would get nothing. I am very sad because I I was not notified of this decision at any point since opening the account ( the application page shows that I could get the welcome offer ). Had I been informed earlier about the status of the welcome offer, I would have reconsidered opening the card.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had all my funds stolen from my American Express Serve account while I was incarcerated..I updated my address to the jail I asked for my account to be restricted so no funds could be stolen and they did not secure my account..I faxed and mailed police report proof of incarceration and that it was noway I made or authorized these transactions and they still denied my claim..my funds were supposed to be insured and I was lied to and left to deal with this on my own ..I am on a XXXX XXXX payment plan with social security office to pay back these funds so on top of the XXXX that was stolen I also am paying it back a second time to my social security office..I want my old dispute approved and my stolen funds compensated for Account
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I ordered a XXXX XXXX XXXX from American Express online and received it on XX/XX/2023. I made two initial deposits of {$15.00} and {$40.00} through electronic transfer from my checking account at another institution upon activating the prepaid card. The prepaid card account has been locked for no reason and the only explanation that I have received is call your financial institution. I am unable to access the prepaid account and use my money. I have submitted a dispute through my financial institution on XX/XX/2023.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: American Express offered me in XXXX of 2022 to add XXXX employees to my hilton honors business card ending in XXXX. For each employee that spent {$1000.00} they would get a {$50.00} credit. On my XXXX statement XXXX employees made that goal. I was only given XXXX {$50.00} credits. The other made the goal in XXXX. I inquired that XXXX, oh you need to wait was the answer, I finally opened an investigation in XXXX. No word from American Express. Being upset with American Express I called to see what was up, they know nothing, so instead of American express charging me a fee again, I cancelled the card in haste. Well now, since it has not been a year since I got employee cards, American express is not doing anything that they should have done back in XXXX. So I am asking American express to either reopen my card and do what they should have done in XXXX or go ahead an issue the {$50.00} credits that should have been given.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A