Date Received: 2024-01-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received an amex gift card from my boss a couple years ago for {$100.00}. I have saved it for an emergency and when I tried to use it- it was declined. I called and tried to check the balance and it said that there was a problem with the card, not anything about the balance. Transferred to a customer service person - who said they needed to look into my card. They asked me for a lot of information which was concerning to me - name, address, phone #, email. They said they needed to open a case and it would take 7-14 days which was also concerning because the whole reason I was trying to use this card for an emergency purchase. ( When that emergency purchase couldn't be made, I tried to use it for another purchase just to see if it was the previous vendor- but that transaction was declined as well. ) I asked to speak to a supervisor to see if I could get this taken care of any faster and when I balked at all the information they wanted, I was put on hold for an hour and half. I called again - and then the new guy said that all of sudden there was no balance on the card - only XXXX cents left. I almost feel like they went and used the card themselves since I had provided all the information. They came up with some charge in XXXX that the card was used for on paypal - I do not use XXXX - and that this card was depleted. Now they opened a fraud case and say it could take 45 days to reach a decision?! That seems outrageous. It is sad that a card I had saved to use for a much needed purchase wasn't able to be used. And even more sad - that a company I had thought of as having excellent customer service has now become a run around. I looked on reddit and this has happened to so many people. Does Amex know that their cards arent working? Does Amex get all that money when we can't use the cards? It seems very fishy. Or maybe the Amex employees are taking old cards and using them and then saying they are depleted. Its sad.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: MULTIPLE REQUESTS SENT TO AMERICAN EXPRESS TO CORRECT THE ADDRESS AND REFRAIN FROM USING FALSE ADDRESSES AND INFORMATION. HOWEVER, PER THE STATEMENTS/CORRESPONDENCE PROVIDED BY AMERICAN EXPRESS , AMERICAN EXPRESS IS CONTINUING TO USE A FALSE AND INACCURATE ADDRESS FOR THE CONSUMER 'S PERSONAL INFORMATION DESPITE REPEATEDLY BEING GIVEN THE CORRECT INFORMATION AND BEING REQUESTED TO REFRAIN FROM THIS INTENTIONAL ERROR. THE INTENTIONAL ERRORS INCLUDE : USING KNOWN MISINFORMATION ; USING UNKNOWN ABBREVIATIONS AND MARKINGS NOT APPLICABLE TO THE CONSUMERS ADDRESS NOR PROVIDED TO AMERICAN EXPRESS BY THE CONSUMER ; INTENTIONALLY USING FALSE INFORMATION DESPITE REPEAT ATTEMPTS TO CORRECT THIS ISSUE. PLEASE SEE ATTACHED NOTICE TO CORRECT AND PROOF OF CONTINUED INTENTIONAL ERRORS BY AMERICAN EXPRESS.
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or around XX/XX/2023, I received an adverse claim/ letter of denial from American Express denying me an extension of my credit which is a prohibited act constituting discrimination according to 15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals. I then proceeded and mailed a Notice of Federal Violations to the CFO and to the address on the face of the denial letter. Application Reference # XXXX See attached
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have repeatedly attempted to use my AmericanExpress Gift card and am constantly turned down. Most recently : XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Complaint 1. Disclosure Violation : On or about XXXX XXXX I discovered that I could not use my Amex credit card to make a household purchase. After some correspondence between myself and the company they sent me a copy of the card member agreements along with billing statements. After reviewing the agreement with my attorney we discovered some disclosure violations and information was omitted in the agreement. By law there should have been a rescission disclosure in a separate document in-which, I had not received and/or in a conspicuous type and placement in the agreement, which was not there. Their agreement states " use of the card constitutes acceptance of the agreement '' in which this is inconspicuous, deceptive, and misleading. That is also a violation of disclosure law. 2. Contract violation : Furthermore their card member agreement is a contract of adhesion and there was no negotiating power for me as the consumer and according to law in order for a contract to be valid there has to be 3 key components. In regard to their card agreement. ( a ) There was not a meeting of the minds on terms/ conditions ( unilateral contract ) ( b ) there was no consideration given by AMEX. I have requested several times for an accurate accounting in order to prove to me that they loaned me money or credit. To date they only send account statements and not what I requested ( a copy of the account ledger evidencing a loan from AMEX to me ). I believe this to be a violation of 12 U.S. Code 1431 and the Federal Reserve ACT in which Banks are not permitted to loan their reserves or that of depositors ( c ) there was no acceptance by both parties. Their card agreement states " use of the card constitutes acceptance of this agreement '', in which I received the agreement 10 days after opening of the account and had used the card by that time. This is a deceptive, and misleading practice that is also a violation of federal law. 3. Securities Fraud : On or about XX/XX/ I reached out to the CFO of AMEX in order to settle and XXXX out the accounts via a negotiable instruments sent to me by the issuer AMEX as an investor in the company. As the beneficial owner of the certificated securities I returned the endorsed securities to the company via certified mail for multiple accounts several times in which they either kept the instruments without applying the credits or destroyed them which is a violation of the Securities Exchange Act, and Trust Indenture Act. The CFO had an assistant to reply to me via mail disregarding my correspondence and instruction letters as to how to process the securites. They blatantly disregard my requests as a violation of securities laws. They have not yet to date paid me interest payments or the principle due to me. 4. Credit Reporting Violations Over these several months I have corresponded with the company to no avail. They are reporting negative information to all three credit reporting agencies in which I have not given them permission to do. According to the Fair Credit Reporting Act they were not to report derogatory information while the alleged debts were in question and not resolved. AMEX has reported the accounts and the alleged debts to the credit reporting agencies as charged-off, but there is no mention of the alleged debts being transferred to third parties on my credit report. 5. Human trafficking violations To date AMEX has sold my private personal information to several third parties which is a violation of the Fair Debt Collection Practices Act and the Privacy Act. These third parties are violating me as well. If AMEX has charged-off the alleged debt then there should be no third parties contacting me to collect. Not only that AMEX is still sending me billing statements along with the third party collection agencies. This is a blatant violation of several federal and state laws.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, American Express confirmed receiving negotiable Instrument NOT ( a company check ) payment for {$10000.00}. On XX/XX/2023, the payment was reversed because they identified the payment was made with an invalid payment instrument. however, they communicated that the negotiable instrument was returned due to it being denied by the bank, it was requested that they return the instrument and send letter of denial from third party financial institution and as of to-date I have not received either. As for the 1099a this form of payment was in credits from the Internal Revenue Services and was accepted and sent to American Express, if the credits have been returned, please provide me with the IRS form used, according to the IRS to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits. For American Express to credit my account AND send to negotiable instrument back so I can address the issue with the payment, it's only fair to return it and allow me to address the issue and fix it. If they aren't willing to return the negotiable instrument then credit my account because they have acknowledged of receipt of tender, the fair solution is to credit the account until they can provide proof of the denial of the bank letter or credit from the account of the 1099a from the acceptance from the internal revenue service.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have a prepaid gift card through AMEX and recently made a few purchases through XXXX. Most orders went through but my recent order was declined. The order was in the amount of {$320.00} and the current balance on the prepaid card {$450.00}. So plenty of fund to cover the order. Called AMEX and was told to choose a different merchant even though the prepaid card worked on previous XXXX orders.
Company Response:
State: TX
Zip: 79605
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, American Express confirmed receiving negotiable Instrument NOT ( a company check ) payment for {$10000.00}. On XX/XX/2023, the payment was reversed because they identified the payment was made with an invalid payment instrument. however, they communicated that the negotiable instrument was returned due to it being denied by the bank, it was requested that they return the instrument and send letter of denial from third party financial institution and as of to-date I have not received either. As for the 1099a this form of payment was in credits from the Internal Revenue Services and was accepted and sent to American Express, if the credits have been returned, please provide me with the IRS form used, according to the IRS to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits. For American Express to credit my account AND send to negotiable instrument back so I can address the issue with the payment, it's only fair to return it and allow me to address the issue and fix it. If they aren't willing to return the negotiable instrument then credit my account because they have acknowledged of receipt of tender, the fair solution is to credit the account until they can provide proof of the denial of the bank letter or credit from the account of the 1099a from the acceptance from the internal revenue service.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I hope this message finds you well. I am writing to bring to your attention a matter of great concern involving American Express Bank that has caused me significant distress and inconvenience. On XXXX XXXX XXXX XXXX XXXX XXXX, I received a promotional email from American Express Bank. The email was personalized with my name and was specifically targeted at me as a valued card member. The offer was enticing : a {$350.00} cash bonus if I deposited {$25000.00} or more into a new American Express High Yield Savings account by XX/XX/, and maintained that balance through XXXX XXXX XXXX Believing in the credibility of American Express and the clarity of the offer, I promptly deposited the required amount into the new account. In fact, my account was credited with {$25000.00} on XX/XX/XXXX, well before the XX/XX/XXXX deadline. I made sure to maintain the balance as stipulated in the offer, expecting the bank to honor its promise. I maintained these funds until XXXX or XXXX, well beyond the required period. Despite my numerous attempts to resolve this issue with the bank, I have not received any satisfactory response or the promised bonus. This experience has left me feeling misled and unfairly treated. The bank 's failure to honor its promise and its lack of clear communication regarding the offer 's conditions have caused me considerable stress and disappointment. I have reached out to the bank 's customer service multiple times, only to be asked to wait, sometimes for as long as 15 days. Each time, I am given vague responses and promises of escalation to the corporate office, but to no avail. The bank continues to buy more time, leaving me in a state of uncertainty and frustration. It appears that the bank is using delay tactics and providing baseless reasons for not crediting the promised bonus. I kindly request your intervention in this matter. I believe that consumers should be able to trust the promotional offers they receive, especially from reputable institutions like American Express Bank. I am attaching all relevant documents, including the screenshot of the exact offer I received, the terms and conditions mentioned in the offer, and my bank statements showing the balance maintained throughout the offer period. Thank you for your attention to this matter. I trust in your commitment to protect consumers and uphold fairness in financial dealings.
Company Response:
State: WA
Zip: 98007
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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 my car ran out of gasoline on XXXX north before exit XXXX and I called the merchant XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX ), which I obtained from my insurance company. I was charged {$370.00} via a web link to my cell phone at XXXX in order for the merchant to deliver 2 gallons of regular gas. My exact location was XXXX, XXXX. They indicated they would be there within XXXX minutes. A police officer pulled over and informed me that XXXX state law allows only authorized merchants to provide roadside assistance in that area. The officer then called the XXXX Turnpike Authority to dispatch a service vehicle. I called the merchant and let them know of this information, which was about an hour after my initial payment. They sent me an email to trick me to 'cancel ' my request in order to leveraged their terms and conditions and not refund my money. When disputing the charge with American Express, my credit card company, they indicated that the merchant 's policy doesnt allow for refunds. I called the merchant who indicated they would give me a refund, but they would not provide this statement in writing or email. I offered to give the voice recording of this conversation with the merchant to Amex but they do not accept audio evidence. This vendor has had numerous similar complaints posted by the XXXX XXXX XXXX and the address for their company of XXXX XXXX XXXX, XXXX, XXXX XXXX with the email of XXXX appears to be a residential apartment held by an individual, rather than a real business, further indicative of fraudulent activity. I have attached evidence to show the Authorized Vehicles permitted to provide service in XXXX XXXX which excludes XXXX XXXX making the service they offered illegal and a fraudulent representation of their capabilities. I have also attached the road service rates, which is a XXXX law ( XXXX XXXX ) which indicates the maximum a merchant is allowed to charge for roadside services which is a maximum of {$81.00} plus the cost of fuel. I also have attached an email from XXXX XXXX, Incident Management Coordinator, who indicated no outside agency [ XXXX XXXX ] called on my behalf to the XXXX Transit Authority to provide services. The original invoice from the merchant is also attached. I have attached the documentation from American Express showing their investigation. American Express has failed to review the evidence I have provided to them despite my escalating it to the manager, XXXX on XX/XX/2023 and then XXXX on XX/XX/2023. The managers indicated that if the service was illegal then the merchant 's no refund policy would not be upheld and I should get the charge reversed and credited on my account. However, they have not upheld what they have told me and protected their customer, myself, from this fraudulent merchant and bogus charge despite the infallible evidence I have provided.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A