Date Received: 2023-06-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: American Express sent me a prescreening and offer disclosure then after filling in my information including SSN and EIN I was denied issuance after I accepted terms. American Express
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I went online and made a payment to my American Express credit card account in the amount of {$3800.00}. The funds were taken out of my account by ACH on XX/XX/2023. I received my next statement for XXXX and XXXX XXXX payment was reflected as received. I received my next statement for XXXX with no mention of the {$3800.00} on it. Now, on XX/XX/XXXX I get an email from American Express saying there is a problem with your account and they have not received the {$3800.00}, two months after they received the payment. American Express did a three-way call with my bank who assured them that the funds had come out of my account and were never returned. I have called American Express multiple times and can not get it resolved. They keep saying it was returned but it was verified by my bank that it was not returned. American Express has been horrible to deal with and I am at a loss as to where to go from here. We have had this account for over 30 years with no issues. I always thought American Express was the safest credit card to use but I was terribly wrong. I am in desperate need of help to resolve this issue.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: Another unreliable, dysfunctional, benefit/credit of the AMEX XXXX XXXX that requires a lot of effort and follow-up, with no resolution when requested. Reservation Trip ID booked through AMEX Travel portal : XXXX Received AMEX Hotel Credit benefit : {$200.00} on XX/XX/XXXX. Cancelled reservation and received the refund for the reservation. Expected to be charged {$200.00} for the Hotel Credit benefit received. However, credit was reversed as a {$360.00} charge on XX/XX/XXXX, instead of {$200.00}. AMEX does not allow me to dispute the charge, since it's an internal AMEX charge ( like a fee ). Reported the incorrect charge on XX/XX/XXXX. Was asked two weeks for investigation. On XX/XX/XXXX, I was told there is no reason for this incorrect charge, and no solution, and that a new investigation is needed. On that day, a billing dispute was opened. On XX/XX/XXXX, I received a letter asking for more documentation, which is absurd because this is an AMEX charge, not an external merchant. AMEX has everything needed to fix this. AMEX card benefits have been consistently problematic with delayed or missing credits ( dining credit, entertainment credit, etc. ). Last month I was charged {$690.00} in annual fee for this card that has been giving me more stress than joy, requiring constant checking for unexpected charges or missing credits. AMEX used to be much better than this but it is clear this bank is not being able to keep premium service despite the high annual fee. I'm very disappointed with this bank.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: American Express had requested and received a notarized ID Verification form which cost me an out of pocket expense of {$25.00} and nearly 6 hours waiting to locate a notary online. American Express found this unacceptable even though they do this themselves and told me I had to do it at a XXXX XXXX. I went to a XXXX XXXX with Notary today ( XX/XX/22 ) and got another copy of the document for ID Verification notarized with a California Affidavit attached and sent it to American Express. Out of pocket expense : {$15.00}. Contacted by American Express today twice and was told very little information other than they got the notarized documents and affidavit but still want me to go to another XXXX store and get the document notarized a third time plus they now want a copy of my drivers license and social security card. To make matters worse, this is all on a 15 day ticking clock. I sincerely believe I am being led on by American Express and simply want the right to use my Platinum Card I justifiably applied and was approved for without anymore security concerns.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a new XXXX XXXX XXXX American Express credit card on XX/XX/XXXX. The credit card Account is ending in XXXX. XXXX offered a 0 % introductory APR on my initial purchase of a XXXX XXXX XXXX package that was made on XX/XX/XXXX. The 0 % APR offer expires in XXXX, XXXX. On XX/XX/XXXX, I was billed the annual fee for the new card of {$250.00}. I was fully aware of this fee. This was not a purchase, but a fee for using the card. Since the fee was billed after the promotional purchase, I am being billed a monthly interest charge on the {$250.00} annual fee. This interest charge was not disclosed by XXXX or by American Express at the time the application was submitted. The only way to avoid paying interest on the annual fee is to pay off the initial purchase of the vacation package. In essence, this completely nullifies the 0 % interest offer. This is misleading by American Express and XXXX. I feel that this monthly interest charge is fraudulent and that American Express should credit my account for all interest charges related to the annual fee. On my billing statement, American Express is calling the charge " XXXX XXXX on XXXX ''. My complaint is that the fee is NOT a purchase, but a fee that they impose on card users. Therefore, I should not be charged interest every month, until the initial purchase is paid off. My initial payment was for {$260.00} on XX/XX/XXXX which does cover the annual fee. I have been charged {$12.00} in interest since XXXX, XXXX. I have contacted American Express ( XXXX ) on XX/XX/XXXX and spoke with XXXX. He opened a case # XXXX. I did not hear back from them. I called them again on XX/XX/XXXX and spoke with XXXX. She told me that the case is closed and we have to pay the interest. Those are the rules. I asked to speak to a supervisor, but the supervisor was " busy ''. XXXX finally issued me credit for 1 month ( {$3.00} ), but was not clear on whether all interest charges would be waived. My issue is that I should not be charged interest on the annual fee, since it is not a purchase. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Having only XXXX credit card in my name, I began researching different reward credit cards to find an offer that was of most value to me. I selected an offer through the XXXX ap for an American Express credit card. The offer was for XXXX XXXX XXXX as well as a free reward night if I spent {$2000.00} on the card within XXXX months. Upon spending {$2000.00} within XXXX months I contacted American Express to see the status of my free night reward. I communicated with an American Express representative through the chat feature and she explained I would be contacted in a week after researching. I was never contacted and followed up by calling American Express. I spoke with XXXX who is a supervisor and she stated upper management would not be honoring the advertised promotion of the free night. I explained I had proof of the offer and promotion through a screenshot I took during the time I applied for the credit card. I would not have paid and selected a card with a {$95.00} annual fee if I would not be receiving the free night being offered. I believe this is another example of consumer harm. XXXX XXXX has been advocating to end. I would be willing to use my example in showing how credit card companies are harming consumers.
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/23, I received a {$5000.00} check in the mail from American Express for a credit balance refund that I requested on XX/XX/23. Ref. XXXX. Account ending in XXXX. I chatted with customer service to confirm that the check was valid before I deposited it into my checking account. My Amex account showed multiple, repeated transactions of crediting and debiting that amount ( {$5000.00} ). I didn't receive ANY communication from Amex regarding that check. A copy of this conversation is attached for your review. As you can see, the representative confirmed that the check was indeed valid. I deposited the check into my account the same day. On XX/XX/23, the check bounced. Please explain to me what happened here? I should've been informed that the check was cancelled. You send realtime digital communications all the time via secured message. I was proactive about verifying the check validity with your reckless customer service representative. I've been trying to get a credit balance refund for more than 60 days now without success or explanation.
Company Response:
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been an American Express Customer for nearly 2 years. I was recently approved for a number of business credit cards with AMEX. Suddenly, over two weeks ago, they blocked all my cards while they perform a " review of my information '' they requested bank statements which I sent multiple times for their review team immediately and have called nearly daily for an update of what is taking so long. They said they accept my XXXX statement but can not confirm my XXXX statement?? I sent them together. I have bills that come off of my AMEX cards that are being denied. Now they want to call my bank. This is private information I have already given hard copy proof. American Express policies dont superceed the law. I am a federally protected consumer under the Code of Federal Regulations and this a breach of privacy for AMEX to demand a phone call with my banker after I have already given them hardcopy proof that I have given them via statements. Where in the law does it state this is required to open up credit? Or that they are able to do this under the equal credit opportunity act. 15 U.S. Code 1691 ( a ) ( 3 ) Please look up this U.S. Code to see what they are doing is DISCRIMINATION and is completely illegal.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: american express closed my account on XX/XX/XXXX for no reason i was a client since 2002 and always paid my bills as of my last statement i had Membership Rewards Points XXXX they told me on XX/XX/XXXX i would have 30 days to redeem them and later said there gone there worth at minimum XXXX cent each
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
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: I have been roobed out recently and lost every thing and submitted the police report also to remove my bad credit histroy where done by some one who robbed out and i am facing the problem when i apply for new credit cards or loan geeting rejected due to this problem.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A