Date Received: 2023-05-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I log in beginning of this month and I see an offer so I Upgrade and start moving some spend to make sure to hit the free night reward, a week later I recieve an email with the same targeted offer XXXX hilton points for the surpass, So I call help desk and they say they don't see my original web offer applied, agent tells me since I have i valid email offer and its only been a week they can just rollback my initial upgrade and I can just accept the email after a day or so to get my upgrade offer as planned after a few days the targeted email offer is not working, I call in and at first they say offers come and go but when I point out that the targeted email says valid till XXXX, the agent opens a case, on XX/XX/XXXX I call in and the agent reads from case that they will honor the upgrade offer, all I have to do is submit proof of the email and valid code, I get the docs request email, upload screenshots and am told that I will recieve a call back in a few days and as long everything is as detailed I will recieve my upgrade offer sonce i recieve no follow since the XXXX, on XX/XX/XXXX I call in and ask about my case and the agent reads off the notes that my case was actually closed as of the XXXX somehow before my last contact with Amex, with the offers team saying they are not responsible for ensuring offered promos are valid, worse yet the agent sees no notes regarding what the last agent went over or the documents submission request.
Company Response:
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
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: This is linked to prior dispute which was then resolved but has resurfaced : CFPB Complaint ID : XXXX I had received {$200.00} statement credit on XX/XX/XXXX as per the letter enclosed ( XXXX, XXXX XXXX XXXX ). Separately, I had made a new booking on XX/XX/XXXX with Trip ID : XXXX. On XX/XX/XXXX, I cancelled a booking ( Trip ID : XXXX ) and was then charged {$200.00} on XX/XX/XXXX. Upon calling American Express Travel, they noted that the {$200.00} XX/XX/XXXX charge was because a statement credit was given to me on XX/XX/XXXX. I tried to explain to them that the XX/XX/XXXX statement credit for {$200.00} should not be linked to Trip ID : XXXX, rather it was a resolution for CFPB Complaint ID : XXXX.
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have been a customer of American Express since XXXX I believe. Since opening up business accounts with them I have experienced discriminatory and predatory business practices. They have directly decreased my personal credit score by decreasing my spending limit repeatedly without cause. The one time I was late making a payment by a day they took away my O % intro apr and replaced it with 25 % interest rate trying to trap me into never paying them off. I had one personal credit card with them since XXXX. The spending limit was XXXX. I have never missed a payment. In XX/XX/XXXX I opened two business credit cards for two different LLCs. One account was given a spending limit of around XXXX ( XXXX XXXX ) and the other was given around XXXX ( XXXX XXXX for XXXX ). I was informed that part of the XXXX XXXX XXXX was that if I needed additional credit that I could just ask for it and I could spend beyond the credit limit. It was 0 % apr promotional for at least 12 months. The first issue that arose was I made two purchases of {$10000.00} and {$15000.00} via XXXX for XXXX XXXX for Counseling my business credit card for the purchase of an office ( real estate ). I thought this card had the {$25000.00} limit. This was the first and only purchase on either card. I received simultaneous emails for both business credit cards and my personal credit card on XXXX My business accounts were frozen. My personal credit card spending limit was decreased from {$15000.00} to {$6200.00}. Directly decreasing my personal credit. My credit at the time was in the XXXX. The business accounts sent me an email saying that my credit limit was now fixed. I immediately asked for an increase in the spending limit for XXXX XXXX for Counseling as I was informed upon signing up for the card. They denied that immediately as well on XX/XX/XXXX. Upon calling they told me I would have to pay the overage in full by the end of the billing cycle. They refused to assist me. They refused to move the overage to the other business credit card. I asked for an extension to make the payment and they refused. I was able to make the payment without their help. I was still in the 0 % intro apr. I made a payment after XXXX on the day it was due from their website in XXXX and XXXX and it was considered a late payment. As a result they turned my apr into 29.99 % for statement due XX/XX/XXXX. I asked for my APR to be reinstated and for my personal credit limit to be returned to what it was. I was told no. I am a small business owner. My company brings in {$10000.00} a month. I transferred my personal credit balance to a different card. I do not use it short of a monthly bill that goes to it. When they recently decreased my personal credit balance to {$1000.00} from {$6200.00} I only have {$83.00} dollars on the account. I pay it in full. This decrease came after I paid a lump sum to pay off my XXXX XXXX for XXXX card. I am working to no longer use Amex at all and to ensure I pay off the accounts and they are still harassing me and impacting my personal credit. There is no reason why my personal account is affected by my business cards. These are LLCs. I have been paying down my cards this entire time without missing payments. Their recent reason was because I have too many inquiries on my personal credit. My inquiries are in an attempt to transfer my business cards to a lower interest rate. My debt has not increased because I am actively paying off my debt and not adding to anything. For the XXXX XXXX credit card every month when they add their interest fees it pushes it past the spending limit. I will pay {$630.00} in interest alone for XXXX. Now my account is over by {$400.00}. This is very intentional. They do not want me out of debt. Currently I have my personal credit card carries a XXXX balance. Last week I paid {$5000.00} ( transferred to my XXXX XXXX business card ) off the Beneficence business credit card. It now has a balance of {$4600.00}. Which I assume is why they are dinging my personal credit card. The balance will be paid on Friday. There is no reason why transfers between my business cards ( especially since XXXX XXXX doesn't report to any credit system ) are impacting my personal accounts/credit. The inquiries are not on my personal credit because they were for business credit cards that did not do a hard pull. Also because I wouldn't have made the inquiries if Amex hadn't revoked my 0 % APR. This will leave me with only the XXXX XXXX business credit card to have to transfer elsewhere which is {$25000.00}.
Company Response:
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: The card with my name on it that i should got it in 10 days so i call and cancel on XXXX i explain to having with my mail and i am in the hosptial please mail the newcard my new address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX XXXX they email me it ship XXXX and activated on XXXX between this i was XXXX XXXX XXXX was DichargeXXXX never received no card they told they had the address but they to where i ask them not to seen to that iam in hospital.i want my {$2400.00} back
Company Response:
State: IL
Zip: 60030
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My issues are two-fold. 1. I applied for an American Express delta card to use the benefits and receive the XXXX airline bonus. I applied on XX/XX/XXXX and I had to spend $ XXXX in 3 months. This ended on XX/XX/XXXX, and I met the spending limit. I inquired on XX/XX/XXXX as to where the bonus miles were. I was told it would take 8-12 weeks after the review and the end of the billing period of XX/XX/XXXX, which would mean they should be applied by XX/XX/XXXX. I followed up again on XX/XX/XXXX and the American Express agent told me the same thing, the account is under review and it would take 8-12 weeks again. It is XX/XX/XXXX and there is still no action from American Express. 2. I believe that they have their system set up to stop you from enrolling in automatic payments so they can collect late fees and interest charges. I can not prove it because their " system '' is the only tracking but I set up for automatic payments on XX/XX/XXXX. I put in my bank information, etc but it did not take on their side for some reason. I was issued a late fee and interest. I inquired on XX/XX/XXXX and I was told that, despite my setting it up it was " never turned on '' on their side. I can not prove it because it was all on their app, but why would I enroll in my bank account, etc? I am still getting " trailing interest charges '' this month, despite my insistence that they messed up.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Issue with getting a Delta XXXX, American Express credit card. Same issue and answers over a year ago with American Express XXXX card. XX/XX/2023, over the telephone ( number supplied by Delta ) I call AmEx to apply for the Delta SkyMiles Reserve Card. First person I talked to check some AmEx system and after a few seconds I was told " declined ''. Reason for decline = because of my previous canceled cards, which were all related to companies which I worked for and then canceled upon my leaving the company = standard business policy. After talking to three people, I was told it was because of my bankruptcy filing approx. 12 years ago. Due to the age of the bankruptcy, it no longer is posted on any of the credit bureaus. I have an XXXX rating ( +/- XXXX pts. ) by all credit bureaus and have any annual income of approx. XXXX USD. My wife was approved and received a Delta AmEx card after filing bankruptcy which was still listed by the credit bureaus and making approx. 25 % of my annual income. So why is AmEx declining me? Since my wife got an AmEx card, it much be because I am a male... .... If I do not get the requested AmEx card, I may look for an attorney which wants to make a " name for themself '' with a suitsuit against AmEx. Please contact me if you have any questions. XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, cell : XXXX, email : XXXX XXXX
Company Response:
State: MN
Zip: 55313
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My credit card account was canceled by American Express, although I pay all bills in full every month. American Express stated that I abused their payment dispute policy, which I disagree. There are two issues with their practice, and I need to get reasonable resolutions. ( 1 ) while they don't have evidence to show why I was considered as abusing dispute policy, they also limited the redemption option of the award points that I have earned across all current and historical relationships with American Express ( this is because American Express has XXXX reward program rather than one reward program per card/account relationship ). I was told that I can now only redeem my American Express reward points to gift cards, I can not redeem them in other ways such as transferring to partnership airline award programs. There is no clear Term and Condition stating that limiting reward point redemption method, hence I believe I have the right to redeem my award point the way I desire, rather than forced to be redeemed through getting gift card. I have more than XXXX points, this worth more than {$2600.00}. I don't need gift card that to be this much, I want to transfer to airlines. ( XXXX ) As my account was closed in the middle of the month, and I can not use the card anymore, I request prorated annual fee to be returned back to my account/ or issue a check for me, due to not able to use this card. the underlying rationale is that American Express should not charge me fee when they cancel my account, and prohibit me to use the card.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone try to open many the credit card under my name. And balance past due XXXXXXXX XXXX is more than 30 day on XXXX, XXXX effect to my credit score go from XXXX score down XXXX. Multiple credit card inquiry happened since XX/XX/XXXX till now including XXXX XXXX XXXX XXXX XXXX Most of the inquiry is credit card inquiry.
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Identity theft, the account that was open, was not opened by me and I did not give anyone permission. American Express - XX/XX/, Amount - XXXX And I contacted the company and let them know this was not authorized by me and that I gave no consent to open this account. I need this removed from my credit report immediately.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened up a platinum American Express card inside of the XXXX lounge at XXXX. They stated that I would be able to get the promotional offers which was XXXX miles if I spent {$4000.00} within six months of opening the credit card I met all the requirements that they asked for and I did not receive my Miles. I called American Express and they had no answers for me. They stated they would open up an investigation and that I had to call XXXX and contest these issues. I called XXXX and they told me to call American Express and contest these issues at well. I feel like I am getting the runaround and was falsely misled. If it wasnt for this promotion that they had promised me, I would have never opened up another credit card, but it seemed like a beneficial promotion to earn points if I spent the money that they required within the first six months. I feel like I was misled into opening up another credit card, which I didnt need, and I feel like that is not fair to be misled as a consumer, and would like for an investigation to be conducted. I would like to receive the benefits I was promised when I was sold to apply for this credit card, which I got approved for, and spent money on, but never received the promotional benefits I was sold.
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A