Date Received: 2023-05-31
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I received a prepaid AMEX egift card from my company. The card had no instructions for activation. I used it, it got declined in multiple places. You call them, they put you in a queue. A guy in an XXXX call center talks to you. It is a hassle and takes a while. He'll activate your card and it should be good to go in 24 hours. After 24 hours you try to use it and it gets declined again. They will always have an excuse they are protecting you when declining the charges.
Company Response:
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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: Account Ending In XXXX Reference Number : XXXX Business Name : XXXX XXXX CORPORATE OFFICE Transaction Amount : {$2700.00} Transaction Date : XX/XX/2023 I returned this item to XXXX XXXX and have not received a credit or refund. XXXX XXXX customer service said I should get a refund yet none was given. American Express is denying my dispute despite having a return tracking number and pictures of the item I was sent.
Company Response:
State: CA
Zip: 92618
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: PROMO INCENTIVE NOT HONORED BY AMEX PLATINUM CREDIT CARD I am extremely frustrated with lack of service, attention, response and resolution to my complaint not receiving/ honored the welcome rewards bonus. I opened my Amex platinum in XX/XX/2023 with an advertised XXXX bonus after $ XXXX spend from XXXX site. I met all the criteria presented for the reward bonus and was looking forwardtothepremium credit card experience. After patiently waiting a few months, the welcome points were never credited, so I initiated inquiry via online chat on XXXX XX/XX/XXXX. I was told the points were not being granted and that I may submit an online document with Amex to dispute. I did this immediately Note. : There were no obvious Amex claims or warnings presented to me at application, that I was willing to proceed opening the new $ XXXX credit card without receiving the advertised bonus point offer. If there is such disclaimers in the pages of small print, that is extremely misleading and simply poor business practice. After waiting 5 days for an update or resolution and not hearing anything, I called customer service to inquire. I had a pleasant discussion with the rep but was informed my submission was denied with no explanation or contact. Sadly after a bit of time we realized she couldn'thelp and I asked for a supervisor or next level to help address my concerns. I was advised the manager was not available but I would absolutely receive a call within24-48 hours. 5 days later and this still hasn't happened. No calls or messages. I truly feel wronged and have spent an exorbitantamount of my time to get satisfaction.
Company Response:
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: AMEX can not supply proof of payment via statement stated XX/XX/2023 for payment in the {$14000.00}. It is not available online as well. They can not offer an explanation as to why the statement did not generate with my payment details. Due to the large payment amount I need proof of transaction. It is not listed on the XX/XX/2023 or XX/XX/2023 statements.
Company Response:
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing to file an official complaint against American Express. On ( XX/XX/XXXX ) at XXXX pm, I received a call from XXXX XXXX of American Express ( XXXX ). In that conversation, I was informed that my personal and business lines of credit were suspended. I have been placed under financial review. This call was the first indication that I was under review, and I asked on XXXX separate occasions during the recorded conversation why. On each occasion, I was told unequivocally that information would not be shared with me because it was proprietary information. I highlighted that both accounts are in good standing, having a XXXX balance on both accounts. I also pointed out that I have not requested any loans, changes in credit status, or changed anything that should trigger such review action. Furthermore, I have had a stellar relationship with American Express over the last six-plus years. I asked " Why haven't I received this in writing and when will written documentation of everything that transpired be provided? XXXX replied the documents have been mailed as well as an email have been sent. I asked her when the letter and email were sent. XXXX replied today XX/XX/XXXX. I asked about the legality of this unwarranted financial review and account suspension without notice. She replied by promising to forward an email copy of the request for documents that she requires that I submit to save my accounts. These include the last XXXX months ' bank statements from the accounts used to pay my credit cards, XXXX months ' payment stubs from my work and she wanted me to declare whether I rent or own my current home. I must note here, none of these documents was mentioned in the request that I just received via email ( see attached ). This entire event feels heavily retaliatory based on the complaint currently being reviewed with the Office of the Comptroller of the Currency ( OCC ) about American Express and the company XXXX XXXX XXXX XXXX of which I am the managing XXXX. In that complaint ( Case # XXXX ), American Express has already attempted to mix/cloud my personal information with that of the business. Now again, they are taking unjust actions on my person because they were caught in wrongdoing with my business. Please help me understand what law allows them to take such an accusation stance with a long-standing customer, with no warning or communicated justification for their actions. They have already attempted to malign my professional reputation with their shady actions relating to my business, now that I am taking them to task for that, they are attempting the same on a personal level. I ask for your intervention in this malicious and vindictive action by this corporate entity against a hardworking minority business owner and upstanding citizen.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
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: On XX/XX/2023 I purchased an electronic skateboard using this credit card from XXXX. Approximately 60 days later I began hearing a loud clicking sound coming from the right rear drive wheel of the skateboard and started noticing the skateboard was needing more frequent charging even though the route that I rode my skateboard on was the same distance. On XX/XX/2023, I contacted XXXX XXXX XXXX ( XXXX ) for the steps I need to contact the seller as I couldn't locate the information through the XXXX app. XXXX instructed me on how to contact the seller through their messaging service and noted my issues on my account. According to the seller 's listing for the skateboard, it comes with a 180 day ( 6-month ) warranty. To date, I have not received any communication from the seller in regards to handling the defections of my purchase and its warranty. Per XXXX 's instructions, I waited 48 business hours for a response from the seller and then re-contacted XXXX for further assistance on XX/XX/2023. I was advised at that point that there really is nothing XXXX can do to remedy the issue but they may be able to accept a " late return ''. The caveat to the " late return '', however, is that I will be charged a fee in the amount of 20 % of the purchase price. XXXX also advised me to try to reach out to the manufacturer for potential help with the warranty. I attempted to contact the manufacturer 's cusomter service on XX/XX/2023, and ( as of this date ) have not received any communication from them on the matter either. On XX/XX/2023, I initiated a dispute with my American Express Business credit card that the purchase was made on. During the call I articulated the details as I have outlined above to the American Express Customer Service ( AECS ) agent. On XX/XX/2023, I received a message from American Express noting that they are rebilling my dispute as they had received information from the seller that I had not returned the product. I am extrememly frustrated receiving this information since I was very clear with the AECS representative that I had not returned the skateboard because, simply, I have not been able to communicate with the seller or manufacturer for any instructions on how to resolve it. Further, it is frustrating in regards to the seller that they did not respond to me but, once their payment was at risk, they promptly responded to my credit card issuer.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: On XX/XX/XXXX my CD was funded by an online transfer minutes later I located a problem in accessing account details, my spouse who was on the funding account also at American Express National Bank did not carry over to the CD. This omission by the American Express National Bank Representative on XX/XX/XXXX was after the American Express Online application failed to process my application where by the way I did add my spouse to the agreement ( received a letter by mail confirming my action was canceled ). On XX/XX/XXXX after speaking to several representatives to add my spouse to the CD account without satisfaction I asked to speak to a supervisor. XXXX XXXX no last name given ) said my issue had to be addressed by leadership I would hear back in 24 to 48 hours. Twelve hours later I received confirmation by e-mail of my CD including terms but missing any mention of account ownership. On XX/XX/XXXX I sent a fax detailing my issues I receive a call back 48 hours later that no decision had been made 'leadership was still considering my request. On XX/XX/XXXX I again faxed a written response demanding an answer by e-mail or resolving the problem without response. American Express considers the account new for the first 30 days ( Consumer Savings Deposit Agreement XXXX XXXX rev ) I am most certainly in my rights to request having my spouse added as a joint owner the same day the account is considered opened ( American Express Agreement ). I asked that the transfer be canceled and a new account opened, not an option. The only option provided by two different representatives to close the account with a penalty of 270 days interest on the same day ( within an hour ) it is opened/funded. For an online only bank my experience is not acceptable. Bank representatives said I could add my spouse as a beneficiary it would be the 'same thing ' as co/joint owner an incorrect statement provided by two separate representatives. I am shocked and concerned that we have been customers for almost a decade with several CD accounts over the years that this is taking this much effort to resolve. Beginning to think the worst of American Express National Bank this is our life savings, feels like we are being deceived for what should be a simple paperwork issue. Our hope this is not the case.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I write in response to a fraudulent American Express account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that an American Express card was adversely impacting my credit. I immediately called American Express to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any American Express account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that American Express comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX XXXX I applied for my 1st Amex Platinum card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX XXXX reward points in a few weeks. Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called amex a few times to check the status of my reward points. They all told me i would get it in a few weeks. I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! It was my 1st platinum card, I only had 1 amex credit card before and i never miss payments, my credit score is great. After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in written- in the chat. It was XXXX XXXX. Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. Out of all those credit card, I chose amex platinum, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another amex credit card. I need my XXXX reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A