Date Received: 2023-06-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We got XXXX American Express Card in XXXX last year. We got charged {$150.00} for membership fee. At the time of the renewal this year they charged {$650.00} to keep the card. I called them on XX/XX/XXXX being surprised by the membership fee jumping to {$650.00}. I told them that if that is fee is {$650.00} I do not want the card. I am willing to pay {$150.00} but not {$650.00} as requested. I paid all what I owe on the card before XX/XX/XXXX. They stated it is {$650.00} fee. I responded that I do not want to have this card. I called them again on XX/XX/XXXX to confirm the cancellation. They stated that I did not ask for the cancellation. I told them that I stated that I do not want the card which is equivalent to cancellation. They argued that I did not say cancel. I have followed up regularly every other week to have them listened to my conversation early XXXX that if I said I do not want it it means cancel it. They did cancel it on XX/XX/XXXX but they insisted on having me pay the {$650.00} fee. Now they started adding penalty fee and intense on my account. Please help.
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: This is with American Express. I suffered sickness and then care of family members due to XXXX, while sick and incapacitated I still reached by phone to make payment arrangements with all of my creditors only American Express used forced arbitration means by adversely not honoring the payment arrangements as specified by their advertisement on relief program within their control and tried to process payments not under the arrange agreement made via the customer service representative. They initiated adverse action s still within one month by canceling the credit cards and initially locking me out of manual payments. American Express force the situation into a payoff action only and then told me I have to re apply for the cards again after I pay in full all of the balances. This is not fair as they forced arbitration while advertising relief with reduced payments and arrangements that was not followed through on their end. As a consumer I believe this is an unfair practice as I will suffer the XXXX XXXX lowering and adverse action by canceling the credit cards losing rewards points and status while they collect the remaining balances.
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made payment on XX/XX/XXXX, credit card says was declined by the bank. When I became aware a few days later, I contacted the credit card agency but told they will present for payment twice, first XX/XX/XXXX. I asked to cancel payment and redo a fresh payment as I did not want to wait till XX/XX/XXXX. Told I could not cancel my own payment. Payment was presented again on XX/XX/XXXX and was deducted from my bank checking. To date the credit card website continues to list XX/XX/XXXX as my payment being returned, no update to say payment processed on XX/XX/XXXX. The credit card agents and a supervisor XXXX, id XXXX in Massachusetts all say as of XX/XX/XXXX that payment was made on XX/XX/XXXX. The agents do not know why website are not listing the payment and why the reversal of the returned fee has not been removed. XXXX continues to say my bank has to confirm the payment and that I have to wait. I find his lack of ability to correct this situation unprofessional, XXXX is not taking ownership of the problem. The payment processed since XX/XX/XXXX and over XXXX or more business days has elapsed and he can not or will not try to resolve the issue. XXXX says I must contact my bank as a credit card agent listens into the conversation as I verify my identity to my bank with my pin or other data so they can confirm my bank made payment. I told XXXX I am not comfortable with that. So as of XXXX he offers no other solution nor a time frame when the payment will be shown correctly on the credit card website. Worse XXXX has now blocked my ability to speak to any other supervisor, I called XXXX times, asked last two times for another supervisor but instead all the agent route me to him even if it means putting me on hold for long time frame as he takes his time to get on the phone. The hold times to get to a supervisor in this case XXXX is in excess of XXXX or more minutes and each time they agents never check back to say they still waiting. At this point I am not even certain XXXX is even a supervisor. He lied saying that an agent told him I was representing XXXX as though as I was not XXXX. I said that was a lie that I never told any agents that and then he said he made mistake. XXXX said that all conversations are taped, so if the company listens they will know he lied.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: OFFER REJECTION NOTICE SEE AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUST SEC FILING : XXXX, XXXX FILED PURSUANT TO RULE 424 ( B ) ( 5 ) .ATTN : American Express RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXThis correspondence is in regard to the received online rejection notice. As the notice recently received appears to be from American Express, the word we is referenced several times throughout the document as if multiple individuals or person ( XXXX ) are involved in the creation of this computer- generated notice. Since the document includes no signature ( XXXX ), would all individuals in their private capacities who are involved in said writing please identify themselves, so that I can properly address such individuals. American Express National Bank is claiming to be the creditor for the credit application submitted. There seems to be an error as that would be in contradiction of 12 CFR 1002.2 ( I ), which defines a creditor as... the term does not include a person whose only participation in a credit transaction involves honoring a credit card. 12 CFR 1002.2 ( k ) defines a credit card as meaning any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was to be honored in said transaction is the Social Security Card, specifically the account numbers placed on the electronic credit application. If there is any presumption that the said Social Security Card/ Account is not used to obtain money, property, or services on credit see 26 CFR 301.7701-11 as security is defines within the meaning of this regulation in reference to the social security number as ... or warrant or right to subscribe to or purchase, any of the foregoing ; negotiable instrument ; or money. - ( Source : 26 CFR 301.6323 ( h ) -1 ) .In regard to the credit application American Express National Bank ( Central Index Key Number:XXXX ) would be a Sponsor - ( 12 CFR 43.2 ), which is referenced with the SEC filing the duties of a sponsor are organizing and initiating a securitization transaction by selling or transferring assets, either direct or indirectly, including through an affiliate, to the issuing entity. As a natural person within my own right ( 31 CFR 306.11 ), the placing of the credit card number meaning the social security account/ number on said credit application in addition to consenting to the purchase of the consumer credit report associated with said social security account, is intended to be used as an asset to be transferred to the issuing Entity listed in abovereferenced SEC XXXX as American Express XXXX Account XXXX XXXX XXXX XXXX XXXX Key Number : XXXX ). The primary asset of the issuing entity are receivables generated in a portfolio of designated consumer revolving credit accounts or features and, in the future, XXXX include other charge or credit account or features or products.The term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. The established credit limit with said Social Security XXXX is open-end.As American Express National Bank XXXX XXXX of its affiliates and subsidiaries are in any capacity to claim ownership of the financial assets of the natural person to be pooled, securitized, and invested. As any deposit to any bank is intended to be in the nature of bailment. As the creditor, XXXX, and XXXX to any and all financial assets is XXXX XXXX XXXX in her private capacity.This will also serve as notice of breach of fiduciary duty ( XXXX. XXXX ) .Following this notice if said financial assets are not either returned to the referenced Creditor/ Bailor/ Beneficiary via mail XXXX XXXX ( XXXX ) business days or accepted for it intended purpose within XXXX ( XXXX ) business days of the receipt of this notice, an SEC complaint will be filed XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, DC XXXX XXXX XXXX XX/XX/2023 American Express : I am writing in response to a request for an explanation of the dispute on a criminal authorized charge from a taxi cab in XXXX. As I have explained several times in calls, there is no written documentation. I never signed or approved a {$5300.00} charge for a taxi cab in XXXX. I arrived in XXXX, XXXX, by air on Monday, XX/XX/XXXX, around XXXX XXXX for an international conference. Two colleagues and I went to the taxi booking desks and arranged a taxi. The cost was to be the equivalent of {$25.00} which we were to pay to the driver. My colleague had been to XXXX before and knew that was the going price for the short trip. On the way out of customs, our party was met by a driver who said he was our taxi and took us to a car. In retrospect, we now know the man who greeted us was a scammer. We were asked to pay the {$25.00} by card. I gave the taxicab driver my amex credit card. The card was run several times and we were told it was not going through. My colleague also gave her credit card and was also told the card did not go through. At no time did either of us give him a pin or sign any receipts. We said we would pay cash and the driver took us to the XXXX XXXX, a 20-minute drive from the airport. Because we were told the credit card did not go through, I paid the driver US dollars in cash. He did not speak much English. Both my credit card ( Amex ) and my colleagues credit cards were compromised with these outrageous charges. As I said on repeated calls, I have no documentation, but the colleagues with me were XXXX XXXX and XXXX XXXX. They would be happy to verify my account of the case. I would be pleased to answer any other questions. Sincerely, XXXX XXXX XXXX
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I called customer service to inquire about changing credit card products. In doing so they read me the terms and they said they hold the right to remove my rewards points but didn't state under what conditions. I asked before proceeding if in my case the rewards would be reduced and the agent answered that no my rewards would not be removed. I made my decision to move forward with the product change based on the agent 's response. It turned out the agent 's information was incorrect and deceptive. A few days later Amex drained my rewards point balance by XXXX points. I informed them I made my decision based on the agent 's clarification following my question. I believe this is an unfair and deceptive practice and the agent 's answer to my question is what led me to the decision I made to switch products.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Amex had an offer for opening the savings account, depositing {$25000.00}, to receive {$350.00} bonus after keeping money there for 90 days. I opened the account end of XX/XX/XXXX, but could not promptly deposit the {$25000.00} because the number of the account was not generated and the paperwork with the account was not sent to me for a while. I could also not link any external account to Amex savings due to some glitch issues in their system and new account opening being serviced/processed. The first day on which I could deposit the {$25000.00} was XX/XX/XXXX. I called Amex when I had a problem with depositing money upon opening the account, and the personal representative said I will still be eligible for the bonus so long as I deposit within 60 days. Unfortunately, no bonus was received by me at any time, and when I called back in XX/XX/XXXX, Amex said I had to deposit money immediately upon opening to get the bonus. This is not what I was told by the personal representative, and this was impossible based on the Amex system generating the new account and not providing options for deposit. Thus, I request the {$350.00} bonus per promotion.
Company Response:
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. XXXX XXXX had charges of XXXX that was done fraudulently. With American Express i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 XXXX card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. American express confirmed it was fraud but someone other than me called and told American Express the charges were accurate. In which caused them to rebill me.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened an American Express Delta Platinum card earlier this year and they have not sent the XXXX mile sign up bonus, nor any miles from my purchases to my Delta SkyMiles account. I have spoken with both Delta and AmEx multiple times over the past month to confirm that they have my correct SkyMiles account. The last conversation I had with AmEx yesterday, they saw that none of my miles had been sent and werent able to tell me why. They opened a case but said it would be over a month until I heard back. There are flights I have been waiting to purchase that have gone up by multiple hundreds of dollars/multiple thousands of points while waiting for my points to come through so this has cost me significantly from a financial standpoint.
Company Response:
State: UT
Zip: 84117
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by American Express on XXXX XXXX I want to clarify that I have no knowledge of any transaction or business association with American Express, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A