Date Received: 2023-05-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I tried o pull out money from my XXXX XXXX card and I only had XXXX $ on it I checked my last transactions and it showed me XXXX different transactions In XXXX California I live in XXXX California I never been to XXXX in total it was XXXX $ and as of XX/XX/23 the bank sent me an email saying they will not return my money I lost my job because of this do to my car needing to be repaired and I'm on the verge of being evicted I'm at a loss of what to do can u plz help me iam a single mother of XXXX and I need help to get my money back thank u.. XXXX
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: American Express did not apply the credits the payments I made and the refunds to my balance due on XXXX XXXX XXXX. I have an American Express Gold card.I 'm a secondary cardholder. I don't know what I owe because my online account with American Express doesn't show my correct balance. I called American Express customer service XXXX XXXX XXXX And they claimed they'd update my balance but it's still not updated. Thanks Consumer Finance Protection Bureau.
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Hilton Honors American Express Card. Upon submitting the application, it said they needed more time to review. I called XXXX to resolve the matter and check the status of the application. The automated operator said that my application could not be approved at this time. They said one contributing factor was my credit score. This was an adverse reaction that is now affecting my credit report and score.
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My company purchases gift cards from American Express on a regular basis for employee incentives. Since XXXX of 2023 there have been several occasions where the gift cards received had already been used. The cards are either hacked or someone is taking pictures of the cards after they have been printed and is using the numbers to make purchases before the cards are used by the actual purchaser. I recently gave out gift cards to my employees for appreciation. These were new gift cards still sealed in the envelopes from American Express. I had several employees contact me and tell me their gift cards had {$0.00} balance on them when they first tried to use them. These were all {$100.00} gift cards and so far I know XXXX of them that were compromised, meaning they were new {$100.00} gift cards still in the envelope, but they had balances less than {$100.00}. Some had {$5.00} left on them, some only XXXX. I called XXXX to file a complaint with Amex and get the issue resolved. This is the only number provided to call for customer service today XX/XX/2023. I was put on hold several times. I had to explain the situation to XXXX different people and give them the XXXX different gift card numbers each time. At one point I was put on hold for over an hour. I was told that there was no email address to which I could send my complaint, nor was there a direct number to call should the issue arise again. After being on the phone for over 2 hours I was told that they were having technical difficulties and that I needed to call back. I was told the best time to call back would be at midnight. My company has spent hundreds of thousands of dollars on Amex gift cards over the past 5 years, and recently these scammed cards have become more of an issue. My call today was over {$600.00} worth of scammed cards and there may be more out there that my team has not let me know about yet. The customer service from American Express in trying to get this resolved has been awful. And so far there has been no resolution. I am attaching photos of some of the compromised cards.
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On my statement dated XX/XX/23, I exited an interest free period. Virtually all of my charges, not within interest-free plans, were entirely from the current period ; however, a small amount was not paid off on the prior bill. They did not apply the payment to the small old balance first, per the second part of " XXXX Allocation of payments. '' This caused an interest charge of {$160.00} because they took the XXXX daily balance owed for the entire interest free period and charged interest on that, despite the low amount still owed. More recently when I transferred the balance to get away from American Express 's predatory practices, they applied the balance FIRST to four plans that I had with 0 % interest, instead of applying the payment to the current balance due, which does have an interest rate. This is a direct violation of " XXXX Allocation of payments. '' Consequently, they're still showing that I owe the entire current balance, which will incur interest starting XX/XX/23 if I don't pay it off AGAIN.
Company Response:
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for an Amex Business Checking account using a mail-in flyer. The flyer CLEARLY said that I had 90 days to make 5 qualifying transactions. As soon as I opened the account, I already loaded the {$5000.00} needed to maintain the minimum balance. Today i had made 5 payments into my Amex BUinsess blue cash card, but the customer service representative said I didn't qualify becuase I needed to make it in 60 days. This is absolutely unfair. MY flyer said 90 days. And even then, I'm only 2 weeks past the 60 days. I want my XXXX points. I've held this money without making any withdrawals. Why didn't I get any kind of notification about my time running out if this was the case? Ive been a loyal credit card holder for 7 years. It seems as though they expect you not to get your signup bonus while they get to hold on to more deposits.
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: References CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX I received my response from the company and they are factually incorrect on a number of issues : - they have not acknowledged that the signature on the receipts is not mine and this is fraud. I have provided my passport and driving license to show my true signature- they would not provide me with the contact for service of process and denied this in their response. This was XX/XX/XXXX, XXXX ET on a recorded line - Amex left me one voicemail but I have called numerous times since and continue to be blanked and no one calls me back. Therefore, how am I supposed to resolve this almost a year on- There are multiple confirmations that this case is closed in my favor on a recorded line which they now seem to be backtracking on- they have requested a police report but my lawyer has advised me this is not a good approach since this is 10 months later. I did not report this originally as I believed it was some kind of error, not actually fraud and this did not come to light until months later. Amex never asked me for a police report initially and I believe this is not in good faith to deflect this by asking for this now when they know this is very tough to do almost a year later - Since Amex have never responded to my letters nor my attorney 's letters, I request that Amex provide a contact for my lawyer to get in touch and to provide a contact for service of process
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I closed a credit card with American Express in XX/XX/XXXX after they upgraded my card to a type I didnt agree on. The balance was {$0.00} and had XXXX pending items when I closed this account. In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. This is incorrect as my balance was 0 and the account was closed American Express has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Good morning, I hope you're well. I have 3 inquiries from this company that I never applied for! I need these inquiries removed immediately! I will take legal action because this is freud!
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I don't have exact dates because I am now permanently locked out of my account with Bluebird American Express. I filed a claim back in XX/XX/2023 for a charge that was fraudulent. A week or two later I received a letter saying I violated a certain policy or procedure and my account is permanently closed. I called in to see what happened and no one could tell me over the phone what was going on with my account. I was told to write in to their Compliance Department and they will explained what happened, I have written twice and nothing received anything in return. I called twice to escalate this issue with Supervisors and they advised they don't have any information regarding my account anymore, and if I want help I have to write a 3rd time to their Compliance Department that doesn't respond to customer. When I looked up their reviews I see many others impacted by this same action with this company. I have two Merchants I still have to dispute on my account but I can't do anything because I can no longer log into my account. Another thing, when I filed my dispute they kept sending me emails with the wrong dispute amount every time I was updated. Please help
Company Response:
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A