Date Received: 2023-06-27
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Recently I would say about 2 months ago american express lowered my credit limit on both of my accounts about XXXX dollars total and they lowered to an amount which made me XXXX dollars from the new limit of credit when I called and inquire about why I was told because I was making the minimum payments a month which make no logical sense to me. I feel american express purposely tried to put me in a financial crisis for paying the minimum they set a month I have never had any missed payments due to them lowering my credit limit on both my personal and business credit accounts it has put me in a financial situation now im way over my 30 % and now the minimum payment have went from XXXX dollars to XXXX dollars. I am currently in the process of finding a lawyer because I will be be taking legal action against this it was no reason for my credit limit to be lowered placing me agian over my 30 % and now it's affecting my XXXX XXXX
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an issue with American Express regarding my Delta Air Lines SkyMiles Platinum card Account ending XXXX XX/XX/2023 American Express charged me a {$250.00} annual fee for my Delta Air Lines SkyMiles Platinum American Express card. XX/XX/2023 I called American Express to discuss options regarding the annual fee and the AMEX XXXX was quick to cancel all the cards associated with the account, never discussing options and never disclosing or hinting at the fact that I might not be entitled to a full refund for the {$250.00}, my sole reason for calling. End of XXXXXX/XX/2023 I called American Express again because my account had not been credit the {$250.00}. The AMEX agent was surprised that after 24 years of loyalty to AMEX, the agent on XX/XX/XXXX was so quick to cancel the cards, without attempting to retain me as a customer or discuss other card options. I explained that I was seeking that the {$250.00} be refunded or the card be reinstated. The agent promised to launch an investigation which would include reviewing the recorded call from XX/XX/XXXX and that I would be notified by mail within several weeks. XX/XX/2023 American Express never sent me the promised letter regarding the results of its investigation, so I called again. The AMEX XXXX reviewed their internal investigation and explained that their terms and conditions that I received 24 years ago on opening the account state I have 30 days to cancel the account and not be charged the annual fee. Calculating XXXX business days from the date of annual fee charged on XX/XX/XXXX, I should have been granted a window to XX/XX/2023, and I called on XX/XX/XXXX. I sought diligently to find a solution that was reasonable. I continued to request that : ( 1 ) the {$250.00} fee be refunded ; ( 2 ) the card be reinstated ; and ( 3 ) the agent introduced a third possibility, that the {$250.00} be credited towards the annual fee of a new AMEX account. The agent promised that her supervisor would call me within four hours to resolve the issue. The call concluded at XXXX XXXX ( EDT ). Regrettably, another broken promise as I did not receive a call from AMEX, not even a courtesy call explaining that the supervisor would contact me at a later date. During my 24 years of association with American Express, I had always found the company to provide excellent customer service, responsive and cooperative. During XX/XX/2023, its a radical decline : unreasonable and completely unresponsive.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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 was charged for an out patient procedure performed at a XXXX XXXX XXXX on XX/XX/2023. Before the charge I asked for a itemized breakdown of the all charges and was told they did not have a breakdown, just notes indicating the total amount due whihc was {$3100.00}. Days later after reviewing my explanation of benefits from my insurance company, the amount due by me was {$720.00}. I made numerous phone calls, mailed three letters to three different agencies and filed a compliant online with the Joint Commission regarding the calculation error. Since I did not hear anything, on XX/XX/2023, I signed into my credit card account to file a dispute for the difference of {$2300.00}. I provided copies of documents ( as well as my EOB ). I checked my account on XX/XX/XXXX, and saw the dispute was closed. I never received notification of the dispute, never received a temporary adjustment and never received notification regarding why the dispute was closed.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Hello. I am sorry that I do not know English, and you know this well. So, I am forced to get assistance, and so they are aware of this as well, of what you are doing to me unjustly. Why is it that my credit report does not show my active American Express credit card that ends in XXXX? Fix this immediately. And report the correct information to the three credit bureaus, because they removed the account from their credit reports as well. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have two credit cards with Amex : XXXX XXXX XXXX XXXX Amex Gold Card for American Express Gold Card, there is no foreign transaction fee and I have to pay annual fee of {$250.00}. I had an oversea trip scheduled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I lost my gold card 2 weeks before my trip and I called Amex to send me a new card, I asked them since I am traveling overseas, I need my gold card to be delivered before my departure ( XX/XX/XXXX ). My card shipped on XX/XX/XXXX and got delivered to my place on XX/XX/XXXX, 4 days after my departure. The only option I had was to use my XXXX XXXX XXXX while I was away. When I came back I noticed that I got charged for a couple XXXX dollars on my blue cash everyday card for the purchases I made overseas. Also, the Gold Card that got delivered on XX/XX/XXXX, got stolen bc of improper delivery and I had a charge of {$2000.00} which wasnt not mine. Amex recognized the fraud and emailed me a new gold card in less than 48 hrs. I called them and asked them if the overnight delivery was an option why did not apply to my XXXX replacement? and since it was not my mistake, they should either refund me for the foreign fees or give me rewards point on my cards. They rejected my requests which is a significant hardship on me bc of Amex mistake. I want to get the fees back and report this issue to you. Thanks.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The XXXX for my AMEX-Delta card is XXXX %. The balance on my XXXX statement was {$5400.00} and the payment due date was XXXX. Between XX/XX/XXXX and XX/XX/XXXX, my payments and credits toward my balance was {$5000.00}, meaning I had an unpaid balance by the XX/XX/XXXX due date of {$320.00}. On my XXXX statement AMEX says that my prior balance subject to interest rate charge was {$3000.00} and I was charged an interest fee of {$72.00}. This interest charge is well above my XXXX and the balance subject to interest rate charges is incorrect. Moreover, I made a payment of {$320.00} on XX/XX/XXXX XXXX XXXX days after the XX/XX/XXXX due date so the trailing balance only existed for at most 4 days. The XXXX billing statement also says that I had {$6100.00} in new charges and a total balance due of {$6200.00} by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made {$6300.00} in payments ( more than the total balance due on the statement ) and a credit of {$85.00}. This is a total of {$6400.00} in payments and credits for that billing cycle an overpayment of {$180.00} by the XX/XX/XXXX due date. However, on my XXXX billing statement, AMEX says that {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. On XX/XX/2023, I called AMEX Customer Care to resolve this issue of incorrect interest charges and the representative told me that the interest charges are correct and a result of trailing interest resulting from being {$320.00} short in my XXXX billing cycle grace period. I told the gentleman that I disagree and will file a claim with the CFPB. I feel that AMEXs algorithm for calculating interest rate fees is grossly incorrect and needs to be corrected. Think of all the current and prior customers of AMEX negatively impacted by this incorrect algorithm. I want to have my account credited for the incorrect interest rate fees.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a complaint against American Express regarding their refusal to honor the welcome bonus offer associated with the XXXX XXXX credit card. I believe this matter warrants investigation and intervention by your esteemed organization. I applied for the XXXX XXXX credit card from American Express on XX/XX/, and the terms and conditions clearly stated that I would be eligible for a welcome bonus of of XXXX XXXX XXXX Points after {$4000.00} spending within the first 3 months. Throughout this period, I consistently checked with American Express agents who confirmed the welcome bonus details and provided updates on my spending progress. However, upon completing the requirements, I discovered that American Express had failed to credit the promised welcome bonus points to my account. Despite my attempts to resolve the issue through multiple contacts with their customer service department, the matter remains unresolved. ( If Amex can provide the full chat history back from XXXX which I failed to fetch via its APP, it can prove more clearly how Amex continuously confirmed my offer and encouraged me to spend more meeting the offer requirement ) I believe that the actions of American Express in this regard are misleading and deceptive, which is a violation of consumer protection regulations. It is my hope that the CFPB can assist me in obtaining a fair resolution to this issue. Thank you for your attention to this matter. I look forward to your prompt response and a positive resolution.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account ( s ) # XXXX, # XXXX, # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I did not have money at the time, I asked the representatives for extended payment plan during XXXX XXXX XXXX of my credit cards went to debt collect, and we were in a pandemic, since then we did not have any resource of income or what so ever now I have XXXX credit card in debt collection wont remove from my credit report stuck, and my XXXX XXXX went down all the way from XXXX to XXXX!
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My 2 Amex gift cards ( {$1000.00} and {$1500.00} ) have completely stopped working on a huge list of online retailers. They used to work perfectly, which is why theres only {$500.00} left on the {$1500.00} card - because my {$1000.00} purchase worked without hassle. The same is true for why theres only {$90.00} left on the {$1000.00} card. I bought things from XXXX and multiple other retailers since XXXX without having any issues whatsoever. Unfortunately, that is no longer the case, and even though I have enough money left on the cards, and the cards dont expire until XXXX, all of my purchases on XXXX XXXX XXXX XXXX or XXXX were blocked for unexplained security reasons, with multiple customer service representatives claiming Amex automatically blocks all purchases from a huge list of the most popular retailers. This is contrary to the claim both on the website and the customer service number that these cards work anywhere Amex is accepted. That used to be the case, but at this point, its false advertising. In total, both cards have {$590.00} left. The {$1500.00} card has {$500.00} left, and the {$1000.00} card has {$90.00}. This is a huge amount of money to arbitrarily no longer be able to use, and its even more frustrating because I thought I was saving money by not spending it all at once, but in that time, the cards became unusable due to Amexs issues, despite the cards not expiring until XXXX. I spoke to a number of people at Amex gift cards customer service number. XXXX ( ID # XXXX ) said it was blocked for security reasons due to the XXXX marketplace sellers fraudulent activity but I was buying directly from XXXX, not a third-party seller. XXXX said I cant use the card on XXXX anymore, even though Id never had issues with using the card on XXXX before, and the only issue Im having is being unable to use my Amex gift card to order from XXXX. I then spoke to XXXX ( ID # XXXX ), who said she removed the block and to try again in 24 hours. I tried it again 24 hours later and it still didnt and doesnt work. Twice instead of transferring me to a manager the music just stopped for an hour with no response. I spoke to XXXX customer service and was told that the card can be used on XXXX and that XXXX is not having issues with fraud. The issue is that Amex gift card is blocking payment for some reason. Amex gift card customer service told me to try other merchants, so I did. XXXX also didnt work. Neither did XXXX. Both are huge sites Ive successfully ordered from many times. In fact, the {$1000.00} I sucessfully spent of my {$1500.00} Amex gift card was a XXXX purchase ( {$1000.00} XXXX gift card ) and that went through with no hassle at all. I never expected my cards to suddenly stop working, because prior to this, I never had any problems, including with these 2 specific cards. When you call the Amex customer service line, one of the automatic options before youre connected to a human is to hear more information about how the card can be used. There, the voice says can be used everywhere in the US where American Express is accepted. This used to be the case, but definitely isnt true anymore. XXXX and XXXX from Amex customer service both told me to send an email signed with my name XXXX that says the provided case number in subject line. They claimed a refund check for {$590.00} should be delivered in 21 business days. The check never came, and after a month, a different customer service representative said both XXXX and XXXX were wrong, and Amex doesnt refund gift cards. Many Amex customer service reps claimed the issue was vague security issues with the merchants and that Amex automatically blocks the charges for security purposes because of security issues on a long list of hugely popular websites, including XXXX, XXXX, and XXXX. This means that Amex gift cards are now essentially useless, because its impossible to know what sites wont be blocked, and it doesnt make sense that so many prominent and widely used sites are blocked automatically. The bottom line is : I tried customer service, I tried multiple major sites, and I tried to get a refund. Im now out of options and it feels like Amex just stole my money. What can I do about this?
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A