Date Received: 2023-04-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have had an ongoing struggle with American Express refusing to stop sending my mail to my grandmother 's address in Georgia. Previously, I filed a complaint here to which they responded that they had the right to contact me at any address that I had provided them with or that they reasonably believe I can be contacted at. After this, the case was closed as I had no way I could counter them. However, it has now been a year, and I have changed the address on my account and instructed them not to send any mail to my grandmother 's address as it is not associated with me, they can not contact me that way -- I am not even in the state -- and they do not have my or her permission to send mail to that address. That previous complaint was closed in XXXX of last year, XXXX. It is now XXXX of XXXX and they are still sending mail to my grandmother 's address in Georgia, while I am in Maine. I have contacted the collections agency in charge of my account and verified with them that my address is correctly stated on my account as my current Maine address. I also explained to them the problem, and they told me that there is no reason why American Express should be sending any mail to my grandmother 's address. I have looked through the statement that American Express included with the last complaint, as well as my contract with them. I can not find anywhere that states that they should be allowed to continue sending mail to an address not affiliated with me after I have made several attempts to change it. Moreover, the fact that the collections agency agreed that my address was stated correctly AND that they did not see any reason why American Express should be sending any mail regarding my account to an address that is not mine and not on my account is highly disturbing. American Express has continued to be aggressive, dismissive, and rude. They may have been able to use the contract to push the blame onto me last time, but I fully believe that this time they can not do so, as I have learned from our last interaction and have done my reading this time, using the last complaint 's correspondences to understand the situation and what my rights are. I will not stop fighting this until they stop sending my mail to an address that they have no right to be using. I have repeatedly told them that that address is not affiliated with me and can not be used as a way to contact me, I have updated the address on my account, and have discussed this with the collections agency and confirmed that there is no reason why American Express should be sending mail to that address. They MUST cease and desist immediately.
Company Response:
State: ME
Zip: 04103
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a new American Express Delta Airline branded credit card. The welcome offer was XXXX Delta 'skymiles ' upon acceptance and {$4000.00} in purchases. I was approved for the credit card. I made a {$4300.00} purchase on Delta and paid American Express for the purchase. I needed the XXXX miles for upcoming travel. Two months later the XXXX miles was not credited to my account. I contacted American Express and was told that the welcome offer review usually took 8-12 weeks and to be patient. I waited another two weeks and contacted American Express again. I was told that the welcome offer was still in review and to contact them in another two weeks if the miles had not been credited to my account. I waited another two weeks and contacted American Express again. I was told that the welcome offer was not available to me because I had previously had an American Express Delta Airlines branded card. I was told that it was American Express policy to notify new applicants if they were not eligible for the welcome bonus during the approval process. I mentioned I was not notified. Further, I mentioned that I was not notified that I was not eligible for the bonus the first and second time I called ; and was only notified on my third call. The customer support agent ( XXXX ) told me she understood and asked me if I wanted to cancel my credit card. I did cancel it, without receiving the welcome bonus and losing the annual fee.
Company Response:
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Sometime in XXXX XXXX my Amex account was incorrectly charged for {$1100.00} by XXXX XXXX and I initiated a dispute accordingly for this transaction with Amex. Balance was cleared and everything seemed to be fine. However, today I got an email stating that the account once again has {$1100.00} balance. I no longer have access to online management for this account so I can't verify what actually happened here, but the {$1100.00} balance is incorrect and should be credited. I have attached a screenshot of this email to this complaint.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to link my XXXX account to my American Express savings account. XXXX account show up as XXXXXXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. I called them and uploaded the statement from XXXX as requested. My American Express savings account is still frozen.
Company Response:
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am very upset as this has gone in since XXXX and as a very good client for over 32 years Amex should not be putting me all of this headache and stress. I gave a Dentist {$20000.00} as he asked to be paid up front .It was a big mistake. He gave me an estimated treatment plan showing work to be done totaling {$68000.00} on 1st page but we had agreed on {$42000.00} and he circled that on page 2. He said he would give me a detailed correct bill all adding up to the {$42000.00}. He never did! XX/XX/XXXX I discontinued in writing as I realized he was not a good dentist and unprofessional as the very first and only procedure was a tooth extraction in the front of my mouth and it fell out after 2 days .He cancelled 2 appts to fix it in the next 10 days so I could not work or go out with no tooth in front.. After I I cancelled the dentist made up fake and fraudulent charges to try to keep most of my deposit!!! I only had XXXX {$250.00} XXXX XXXX {$1800.00} ( based on his own quote ) and 1 XXXX XXXX {$770.00} total work {$2800.00}. He should not even get paid for the temp tooth that fell out but I am paying it. That is the only amount he is owed for actual work done. Then I had to pay for 2 dentists to see me and write reports that cost me an additional {$1500.00} so I could show Amex my evidence and proof. I should not have had to do that and Amex should have believed me considering our history! I spoke with Amex as its finally being investigated and on my credit card today there still a balance if {$5100.00}. Amex had credited me the rest but they are still investigating the amount of {$6700.00}. The amount that I am still owed after what I owe for work done is {$2200.00}. {$5100.00} still on my CC- {$2800.00}. work done to be paid to Dentist Bal. {$2200.00} still owed to me. If you have any questions about this you are welcome to have a supervisor call me at XXXX. Thank you
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In late XX/XX/2022 I completed the requirements to achieve " Titanium Status '' through my American Express XXXX card and XXXX XXXX Account ( XXXX ). When achieving XXXX XXXX the member is entitled to a selection of rewards that includes a free night and some other options which are of objectively lower value. The member is unable to select the benefit until receiving a notice from XXXX. I checked for this notice as well as inside the app daily from the time I completed the requirements but no selection was possible. In XXXX I received a notice from XXXX informing me that I have selected " 5 suite nights ''. This is a worthless benefit of no value to titanium members because titanium members are always entitled to free upgrades to a suite when available. When I complained numerous times about this no action was taken to correct the problem. To be clear I did not make or approve any " automatic selection '' I did not receive any notice to make a selection and when I checked the XXXX website and the XXXX app daily no opportunity to select an award was available. This card carries an extremely high annual fee of {$650.00} and is not acceptable to allow XXXX to cheat the card holders out of the rightfully earned benefits. I also have a friend holding the same card who received the exact same treatment from XXXX XXXX and Amex. This is a fraudulent bait and switch on the benefits.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Complaint against American Express and XXXX XXXX for Annual Choice Award Issue Dear Sir/Madam, I am writing to file a complaint against American Express and XXXX XXXX for XXXX issue related to the Annual Choice Award associated with my XXXX XXXX account. I have attempted to resolve this issue with XXXX XXXX customer service, but their response has not been satisfactory. As a XXXX XXXX XXXX XXXX XXXX and a longtime customer of American Express, I recently reached 50 nights and became eligible for an Annual Choice Award. I chose the XXXX Elite Night credits option ; however, due to a technical issue with the XXXX XXXX website, my choice was incorrectly recorded as XXXX XXXX XXXX Upgrades. I immediately noticed the error and contacted XXXX XXXX customer service within 5 minutes of receiving the confirmation. The customer service representative informed me that the issue would be escalated, and I hoped for a timely resolution. Unfortunately, I received an email from XXXX XXXX XXXX XXXX, which stated that they could not exchange the Benefit selection as all Annual Choice Benefit selections are final and can not be changed after the selection is made. This response is unacceptable, as the error was due to a technical issue on their website, and I contacted them immediately after the confirmation to rectify the mistake. As a loyal customer of both American Express and XXXX XXXX, I believe that it is reasonable for them to simply switch my Annual Choice Award to the 5 Elite Night credits that I initially chose, instead of the 5 Suite Night Upgrades. I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this issue. I believe that a fair resolution would be for American Express and XXXX XXXX to honor my original selection of the 5 Elite Night credits and update my account accordingly. I have attached a copy of the email I received from XXXX XXXX XXXX XXXX for your reference. Please do not hesitate to contact me if you require any additional information or documentation. Thank you for your attention to this matter. Sincerely, XXXX
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for an American Express platinum delta airlines card Card ending in XXXX. When I went to use the card I was repeatedly denied access to the Delta Airlines club. This is in contradiction to the terms of the card, which states that I am allowed to enter the club. I was also denied access to affiliate clubs in a number of international locations including most recently XXXX XXXX. The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and was told by the AMEX REP would be absolutely no penalty, and or no clawing back of The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and told there would be absolutely no penalty, and or no calling back of prior benefits. American Express then sent me an on-site email telling me they have the right to do this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunprior benefits. American Express then sent me an on-site email telling me they have the right to do. this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunded, and well as any benefits to be reinstated. I also signed up for an American Express platinum card to replace this card. American Express will not honor this refund I will cancel the NEW card, which costs $ XXXX. I was on hold for over 40 minutes XXXX XXXX the CS rep how threaten to hang up on me until I asked for a supervisor. that a supervisor never came to the phone and DID NOT CALL ME BACK AFTER 48 HOURS
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with American Express Serve. {$1000.00} dollars was stolen from my account via fraud over several weeks in XXXX in varying increments. I have never had any dealings with the company involved XXXX XXXX XXXX or ever heard of them. I followed their procedure as listed by American Express Serve, and reported the fraud, them submitted paperwork attesting that the charges were fraud. I was surprised that the fraudulent charges even went through, as I can not shop at XXXX with out American Express Serve denying the transaction and requesting authorization that it was authorized. My case has been denied twice with no explanation, and a note stating that I would have to write a letter requesting the reason for the denial.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I sent a notarized affidavit to XXXXXXXX XXXX by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered XX/XX/2023 ; American Express tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX as well as XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A