Date Received: 2023-04-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I noticed that there where transaction that i did not authorized. I called Bluebird immediately the customer service said bluebird can not do anything because the transaction is still pending. the customer service advice that i need to call bluebird once the transaction is posted. after 2 days i called bluebird customer service, again i compliant about the fraudulent transaction. Bluebird email me a form to complete. i fill out the form on and upload the form on their website. on the form there was a not that it will take 45 days to investigate. after 8 days i got an email notifying me that my claim was denied because per their investigation it was not fraudulent. And on that email it said that if i need a copy of bluebird investigation i need to write to them. I called multiple time to bluebird and i sent out XXXX mail to them up to now i have not receive any response to them. Everytime i called the customer service they said that they can not do anything. Please help me.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX I was flying XXXX to Florida. When I approached the baggage check counter, a XXXX employee encouraged me to open an American Express Gold Card. She explained I would get my bag free and be awarded XXXX miles if I spent {$2000.00} in the next two months, which I did. She DID NOT explain or disclose orally or in writing that the miles award could or would be declined for any reason. In XX/XX/XXXX I noticed my miles award had not posted. I contacted American Express customer service on XX/XX/XXXX to inquire why. I was told the miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. None of this prior activity was mentioned as a cause for award decline when I opened the card ( which technically was a different extension of credit than the one opened in XXXX - different terms/rate, etc. ). The customer service rep opened a case for escalation/review - # XXXX on XXXX. On XX/XX/XXXX, I still had not received the miles award so I called American Express customer service to inquire of the status of the case. I was once again told my miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. Again, at no time was I orally or in writing notified that opening a card previously ( one with different terms and conditions ) could or would result in decline of miles awards. XXXX employees encouraging, offering and facilitating an American Express extension of credit without fully disclosing terms and conditions, orally or in writing, I believe is not legal.
Company Response:
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently opened a American Express card. I love the card, using it, and its benefits. But my question that I am unable to get an answer, is when I applied I was told and led to believe it would be a hard pull. But there were two hard pills for a single account.
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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: Dear CFPB, Claim | Dispute : XXXX Please allow this letter to be the explanation for the case above. I purchased some perfume from XXXX XXXX Back in XX/XX/. I did not received the full order and returned what they sent me. I contacted them many time from XX/XX/XXXX to XXXX XXXX, XXXX to resolve the matter but I could not get a resolution from them. Therefore, I filed the dispute above with American Express on XX/XX/XXXX to get the case resolved. It has been more than 6 months and American Express still can not resolve the case. In XXXX, XXXX, they requested me for more information and I already sent them. Since then, I keep sending them proof and documentation clearly prove that I did not receive the whole order. The evidences are from XXXX, XXXX XXXXXXXX confirming that I only received one of the package they sent. The proof from USPS that I returned the items. There is also an email from XXXX XXXX directly confirming the return of the items and promised me a full refund. I have no idea why American Express could not resolve the case. This should be a very simple case.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: While on XXXX XXXX for 124 days with the XXXX XXXX XXXX, ( XX/XX/2022 through XX/XX/2022 ) I applied for and was approved the American Express Platinum card. Under the Military Lending Act the annual fee of {$690.00} should have been waived. American Express charged the fee at the time of credit acquisition and has refused to removed it. American Express continually relies on a claim that they made a check of the MLA database at the time of credit acquisition and that I was ineligible for MLA relief. However, American Express refuses to provide the individual search report which is generated by the MLA search database if such a check was conducted. Additionally, I have my military orders clearly showing that at the time this account was opened, I was on Active Duty for greater than 30 days. All of my other credit accounts have provided me relief under the MLA except for American Express. American Express now states they will not longer respond to my MLA complaint. If American Express refuses to respond to this complaint and continues to refuse to correct their violative act, my next step will be to file a small claims action against American Express in my local jurisdiction ; serve the Defendant 's registered agent in North Carolina ; and obtain any such MLA database search report, should one even exist, through the Discovery process. One way or another, this will cost American Express more than the annual fee they have illegally charged me. I urge American Express to resolve this matter now by crediting my account the {$690.00} fee and avoid future costly litigation.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone has continuously hacked into my American Express account and opened up a credit card in my name and changed all the information
Company Response:
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My husband applied for a card with American Express. They could not approve instantly, which is fine. However, they started calling the house six times yesterday and four times so far today. ( XXXX and XXXX ) Each time I told them he is out of town until Monday and asked them to stop calling. They refuse, claiming their automated system wont let them stop the calls. It has escalated to the point of harassment, they know he is not here and when to reach him. They have woken my son eight out of those ten calls. Im at my wits end and they say they can do nothing.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
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 regarding Dispute XXXX. I returned the merchandise using the merchant 's XXXX prepaid return label. XXXX misdelivered/mishandled my return to the merchant and the merchant is refusing to refund despite it being their prepaid return label, they should have to file a claim with their return carrier XXXX and refund me. I submitted photos of the merchandise still sealed in the original box and i re-taped it and attached the prepaid return label exactly as i received it, and i took photos of all that too, showing proof that i did in fact return the merchandise. I also kept the XXXX drop off receipt and provided that too showing the package weight etc. American Express sided with the merchant I think for discriminatory purposes because I am XXXX they somehow believe the merchant 's story that they received a different item and its somehow my fault. I literally provided photo evidence I returned and sealed the box with the original items from the order inside the return shipping box. The merchant has not provided us a photo of the original box i shipped the items back in, because they or their return carrier have mixed up my return package with another one their warehouse received. The merchants return carrier mishandlig or mixing up or misdelivering my return to them is not my problem, they need to file a claim with their return carrier and issue my refund. American Express has not asked me for any additional evidence and there is not much else I can provide except for photos i already provided proving the items were in fact inside the box that i returned. the disputed amount is {$3700.00}, on Amex account XXXX, transaction date XXXX XXXX XXXX merchant XXXX XXXX XXXX XXXX.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received an AMEX gift card worth {$30.00} thru XXXX as compensation for additional parking that I had to pay during my trip to XXXX XXXX in XX/XX/XXXX. Card # : XXXX XXXX XXXX Security Code : XXXX Expiry : XX/XX/XXXX No one told me about the fine print and that I will lose the amount via monthly {$3.00} fees after 6 months of issue It is written at the back of the card but I am XXXX and there is no way I could have easily read that. I recently tried to use it and that is when I realized that the entire money has been wiped out via monthly fees. I tried contacting Amex couple of times last year when I found that and also tried calling them again today at XXXX ( XX/XX/XXXX ) and they said that they can not issue a new card for the lost money.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A