Date Received: 2023-04-16
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I have had nothing but issues with the American Express Serve Prepaid product. I was locked out of my account ( I complained to the CFPB and they responded indicating they had unclocked - it was unlocked for one day and has been locked again since ). I can not reach anyone for assistance. I would like the account closed immediately and a paper check mailed to me with the remaining account balance.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: i tried accessing my credit report and there is a credit freeze on my credit report that i cant seem to access or gain control over. i cant log on to my XXXX account any more my email, phone and phone numbers has all been compromise and i have sent a copy of my i.d social and and requested from XXXX and and the other company to update and release my my information. i got denied. my american express, XXXX, XXXX, XXXX and XXXX XXXX all are compromise american express and XXXX cancelled my real account and the fake one is still up and running.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I was gifted an American Express gift card on XX/XX/XXXX for {$200.00} as a XXXX present / end of year bonus. I had not opened the card until today ( XX/XX/XXXX ) and when I went to make a purchase, the card was declined. When I checked the balance online, it said XXXX and that there was a charge from " XXXX XXXX XXXX XXXX '' on XX/XX/XXXX for {$200.00}. Not only was my card still in my possession and unopened until today, but I have also never been to that XXXX XXXX store ( XXXX XXXX XXXX, New York, NY ) nor was I in New York on that date. I called American Express on XX/XX/XXXX at XXXX XXXX, and was told that since it was a prepaid gift card, AmEx would not help and I had to take the issue up with the merchant. I called XXXX XXXX ( XXXX ) customer service and they told me they do not assist with fraud on XXXX or Amex gift cards and I would have to take it up with American Express. It seems to me that American Express gift card numbers have been compromised, however American Express wants nothing to do with a ) fixing the breaches b ) ensuring consumer safety.
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I wrote a letter to remove account from my credit report and they didn't remove them
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ear Federal Trade Commission, I am writing to lodge a formal complaint against American Express regarding my application for the Blue Cash Everyday card in the summer of 2022. Despite my cancellation request, I was shocked to find that my credit report had been negatively affected by the balance shown on my American Express account, which I never used as I never received the card. I have attempted to resolve this matter with American Express, but to no avail. I initially contacted their customer service team, and I was informed that an investigation was underway. However, it has now been over 4 months, and I have not received any updates on the status of this investigation. This delay has caused me undue stress and financial hardship. I urge you to investigate this matter thoroughly and take appropriate action against American Express for their negligence in handling my account. I believe that American Express has violated consumer protection laws and regulations by allowing a balance to accrue on an account for a card that was never received and canceled. I request that you hold American Express accountable for their actions and provide me with compensation for the damage caused to my credit rating and the inconvenience and stress that this situation has caused me. I look forward to hearing from you soon with a resolution to this matter. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I purchased a flight to XXXX XXXX with XXXX XXXX through American Express using a previous flight credit. Later on XX/XX/XXXX, I called American Express to cancel my flight to XXXX XXXX and was informed that my flight credit would be reinstated and had to be used by XX/XX/XXXX. Since I canceled the flight within 24 hours, the flight credit was to be reinstated, per The U.S. Department of Transportations 24-hour policy ( and as stated on the American Express website ). The customer service agent I spoke with informed me that he would process the cancellation and the credit would be reinstated within 24-48 hours. On XX/XX/XXXX, I called American Express to use my flight credit and was told there was an error processing the flight credit and that it would take 24-72 hours to process the credit. I was told that I would receive an email within 72 hours showing my full flight credit amount. However, on XX/XX/XXXX, I received an email from American Express stating that the issue with my flight credit would need to be escalated and that it would take 6-8 weeks. The email stated that American Express could issue me a {$500.00} immediate flight credit in lieu of escalating the issue or they could escalate the issue and it would take 6-8 weeks. The issue is that the total flight credit I was owed is totaling {$560.00} which is {$63.00} more than the {$500.00} offered by American Express. I responded to American Express on XX/XX/XXXX via email stating that I would take an {$800.00} immediate flight credit without the escalation or an immediate {$500.00} credit with the escalation. American Express responded the next day, on XX/XX/XXXX, stating that they had escalated the issue to their Platinum department without my consent and I would hear back within 6-8 weeks. On XX/XX/XXXX, I called American Express to discuss this issue. I ended up speaking with a member of the Retention Department who informed me that he would resolve this issue and get back to me via email within 24 hours. On XX/XX/XXXX, I had not heard back from American Express yet and called to receive any updates on this issue. I was connected to XXXX in the Retention Department. During this phone call, I was told that the flight credit was being investigated and had been escalated per company policy. XXXX said this would take approximately 6-8 weeks. He offered me an incentive that would provide XXXX bonus points if I spent {$10000.00} over the next 3 months on my Platinum Card. Of course, this is unacceptable. Several flight websites, including the XXXX XXXX website, show that flights will increase by approximately 20 % in 6-8 weeks which leaves me little to no time to plan my actual trip and leaves me paying more for a flight because of an error by American Express XXXX Unfortunately, after several calls with American Express and our email correspondence, its become clear that American Express will not reinstate my credit, will not provide a temporary provisional credit so I can utilize my flight credit, and is refusing to remedy an issue that they caused. At this point, it seems like American Express has stolen my flight credit and may reinstate it within 6-8 weeks in the future. Of course, I will have to rebook my flight through American Express in order to use the flight credit so American Express keeps the flight credit money either way. If they wait to reissue the flight credit, I will inevitably have to spend more on the flight ergo they will get more money from me. I do not understand how this is legal or allowed. I have been an American Express Platinum card member since XXXX and pay approximately $ XXXX to have 2 American Express Platinum cards . From my research and communications with friends/family/colleagues, this level of service for an annual fee credit card is beyond unacceptable.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about XXXX I applied for the American Express Plum Card. My application was almost immediately declined. I tried using the American Express online application status function, but it failed to give the reason why the application was declined. I phoned American Express to obtain the reason, and they refused to tell me. Now, over one month later, American Express has failed to provide information required by law as to the specific reason why that application was declined.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On or about XXXX I attempted to add my wife, son and daughter as additional card members to my American Express Gold Card. In my 27-year experience with American Express , additional card members are added immediately. In this case, however, they were not. I called AmEx to inquire and was told it may take a few days, but never given a reason why. Even two weeks later, American Express refused to add the additional card members and has refused to state why. These same individuals were additional card members previously, but I removed all additional card members when I was subject to identity theft issues. Now that I have those issues under control, I wanted to re-add them.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied for a XXXX Credit Card on XXXX XXXX XXXX My consumer credit transaction with my social security number that is referenced by congress as a credit card, pursuant 15 U.S.C 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. AMERICAN EXPRESS is criminally liable for violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. In Pursuant of 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore AMERICAN EXPRESS is unable to lend a consumer, natural person, and original creditor anything. AMERICAN EXPRESS is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I own a small XXXX business. After being in business for approximately 5 years Ive decided to take out my first business credit card. Upon taking out my card I did my research and narrowed my selection down to American Express Business Gold Card. They advertise NO SPENDING LIMIT. After the excitement of filing an application I was approved. I was thrilled! Once the card arrived I activated it and I was surprised to be told there is a {$1500.00} spending limit. I spoke with numerous representatives that told me I can upload cash to it to increase the spending limit. But isnt that the same as a prepaid card? WouldnXXXX then I be spending money to increase the limit, then borrowing my own money and paying it back? Each representative said the spending limit would increase over time as I made payments. However my small business does about $ XXXX $ XXXX monthly on marketing expenses, supplies, gas, and maybe car repairs. Needless to say I was XXXX to find out that American Express falsely advertises NO Spending Limit when in actuality there is one. My issue is the false advertising American Express uses to lurer people to go through the process of applying which includes a hard credit check, getting selected, and denied the business funds a small company wants/needs to perform. I also filed a complaint within American Express. The Form number is XXXX.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A