Date Received: 2023-04-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/XXXX To whom it may concern : RE : American Express Last XX/XX/XXXX I was given an option to open a Delta Credit card using American Express to save {$400.00} on our ticket. I then proceeded to check out only to find out I am disqualified because my purchase is just over XXXX dollars. I can not split the purchase and am forced to use another credit card to purchase. The Come on Ad then is gone, since I have no reason to go back to Delta, since I have my tickets. The American Express card appears in the mail days later. I can remember we need to spend XXXX dollars to qualify. Which ended up to be only XXXX dollars. It took us the full amount of time ( 3 months ) to spend XXXX dollars. I do not know, I must make a Delta purchase ( which I was denied ) also to qualify. I cant figure out why the credit is still not on our statement after the {$3000.00} purchase. Figuring it is another covid process problem! I made the call to American Express only to find out I had to spend {$1.00} on Delta to qualify for a {$400.00} credit. I sent a letter to the AM EX executive office in New York. By the time they return a reply we are in XXXX and without good phone and internet service. I reply ( text ) that we are out of communication and will follow up when we return to the states. American Express denies my credit of {$400.00}, but gives {$100.00} for goodwill. I then proceed to request documents that I signed to spend money on Delta. No Reply. I made a telephone request for the same, No Reply. I then called XXXX XXXX several more times only to be able to leave a message. No Reply. I feel like I am not the only one this has happened to. If I only needed to spend a dollar, I can not understand why they would not honor the {$400.00} credit. I obviously feel taken or I would not be writing another letter. In the old days if someone bothered to write a letter it was worth XXXX voices. In todays society I am sure it is many more customers that got the bait and switch. I believe I am still owed XXXX dollars.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a complaint against American Express regarding the closure of my credit card accounts. On XX/XX/2022, I requested a hardship modification from American Express due to financial difficulties I was experiencing as a result of the COVID-19 pandemic. However, on XX/XX/2022, American Express closed both of my credit card accounts without any prior notice or explanation. At the time of the account closures, I had not missed any payments on my Platinum account. I later discovered that American Express claimed that I missed a payment, despite the fact that I had called in to set up a manual payment from a different account to ensure timely payment. In addition, I was charged an annual fee after the account was closed, and despite requesting a full accounting of the charges on my account, I never received any response from American Express. The closure of my accounts has caused significant financial harm to me, exacerbating the financial difficulties I was already experiencing due to the COVID-19 pandemic. I have been unable to secure financing for my investment property and have encountered other credit-related problems as a result of the negative impact on my credit score. I believe that American Express violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). Under the FCRA, creditors are required to provide consumers with a notice of adverse action before taking certain adverse actions, such as closing an account. The ECOA prohibits creditors from discriminating against applicants or borrowers on the basis of race, color, religion, national origin, sex, marital status, or age. If American Express closed my accounts solely based on an unrelated drop in my credit score, they may have violated the ECOA. In addition, American Express may have violated UDAAPs by failing to provide me with a full accounting of the charges on my account and charging me an annual fee after the account was closed. I would appreciate it if you could investigate this matter and take appropriate action against American Express. I have attached documentation to support my claim, including copies of my payment records, credit reports, and correspondence with American Express
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
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: Im a new american express gold holder and purchased a flight through their travel website. I wanted to change my return flight and called american express travel. The agent claimed she had an issue accessing their system and told me she would call me back to comfirm the change and fees charged. She never called back nor sent a confirmation email with the change and a week later, I call them again to change my ticket, the agent nevet told me that the other one already changed it and she still gave me my initial return date as if it was never changed. I asked her to change the date and she did and charged me thhe fee. A week later, I find out that the fee was charged twice and that the first agent who never confirmed the change did it already. I called AMEX to help me dispute this charge, and to my surprise they refused claiming that the first agent called me a left a VM. This is ridiculous, because I never received a VM and this not the professional way ofconfirming such change, besides I never received a confirmation email. Furthermore, the second agent should have informed me of the change and not confirm that my flight was still leaving the initial day I wanted to change. This is obviously a FRAUD allegedly committed by Amex because the travel agency is affiliated with them. They still refuse to refund me the first fee when their agent ( all from overseas who dont seem trained ) messed up.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: American Express began declining charges on XXXX to the card on XX/XX/XXXX. I called their customer service number and was told the problem was XXXX XXXX and I should call them. I called XXXX and they put the charge through again - declined by Amex. I called Amex back and was told their fraud unit had a hold on the card because of too many charges on XXXX. They said they would send a message to their verification team to fix it and to try a different merchant in the meantime. They said to wait XXXX hours. Tried a charge on XXXX and XXXX XXXX on XXXX - both declined. Called Amex again, was told they would notify verification and to wait XXXX hours. Declined again on XXXX - posted complaint on XXXX and got a different phone number in a reply from @ XXXX. Called that number - same as earlier calls. They would send a message to verifications, wait XXXX hours. Tried using card on XXXX - still declined Tried XX/XX/XXXX - still declined Called on XX/XX/XXXX. Was told they can't send me a new card, didn't offer any suggestion for fixing the problem other than trying a different merchant.
Company Response:
State: OH
Zip: 43202
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In XXXX, XXXX the consumer completed an online credit application with American Express and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Furthermore, American Express has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because American Express does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), American Express actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and 15 U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by American Express, the consumer provided XXXX ( XXXX ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. American Express sent a letter of " Adverse Action '' to the consumer stating that American Express is " unable to extend credit to the consumer at this time ''
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My unauthorized withdrawals claim has been denied again. I notified the bank in a timely manner when I first noticed my account balance. I was hospitalized from XX/XX/XXXX until the XXXX on an involuntarily hold so I couldn't leave or have visits. During that time my account was drained of my money without my authorization or knowledge. I notified my bank right away and they provided me no provisional credit while their investigation lasted 90days. For them to deny it. I would like to know why they say that there is no mistake and that the transactions in question where approved therefore no error is found. What proof do they have to make such a statement? When I am clearly a victim of identity theft and that was not me or anyone I know withdrawing money at the ATM. I am requesting then to look at the ATM videos to see that it was no me who withdrew the money. This is 5 months of my social security income that I desperately need returned.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am writing to you regarding the Fair Credit Reporting Act ( FCRA ) and a complaint I have regarding your attempts to sue me for a debt while I am currently experiencing financial hardship. As you are aware, the FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. The purpose of this law is to ensure that credit reporting agencies and creditors, like yourself, follow fair and accurate practices in their dealings with consumers. Despite my current financial crisis, you have chosen to take legal action against me for a debt that I am unable to pay at this time. This action is in violation of the FCRA, which prohibits creditors from taking legal action against a consumer who is experiencing financial hardship. Furthermore, the FCRA requires that creditors like you report accurate and complete information about a consumer 's credit history. In my case, I believe that your reporting of this debt has been inaccurate and misleading, as it fails to take into account my current financial situation.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was sent a referral link for an American Express Platinum Classic card with a XXXX point bonus welcome offer, and {$200.00} cash back from a friend. This offer is commonly found on the web at the time of this writing. When applying for the card online I received a message saying I am not eligible to receive this welcome offer, with no explanation as to why I could not receive this offer. The fine print said Welcome offer ( s ) may not be available to applicants who have or have had this card. I do not have any card in the Amex Classic credit card line. I was approved for the card. I called customer service a few time to understand why I couldn't get the welcome offer and none of the agents were able to give me an explanation. They did say I could accept the card and then find out after I receive the card, but still will not be able to get the welcome offer. When I apply for the standard welcome offer through login into American Express I am able to receive the welcome offer for XXXX points. Pre approved for the card. It would be more understandable if I couldn't receive any welcome at all. And was given information as to why some people are not eligible for the offer ( s ). Instead I was only able to receive the lowest offer. It feels like the company is falsely advertising Welcome offers, to insist customers for applying to the card.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express Delta SkyMiles Card I had a promtional offer on my card with the promotions below : 1. XXXX statement credit ( on pic ) 2. XXXX bonus miles ( on pic ) 3. 12 months intro 0 % APR ( told on phone ) I have not done balance transfers, never closed amex cards, first time card holder, never missed any payments, high credit scores, applied and did not receive notification did qualify
Company Response:
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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 Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express for their failure to properly address a fraudulent transaction on my account. On XX/XX/2023, I paid {$900.00} for a video game account through XXXX ( https : XXXX ), a third-party merchant platform, which was later determined to have been hacked and recovered by the original owner. Despite receiving confirmation from XXXX that I would receive a refund in such an event, the merchant has since refused to provide any assistance or refund. I have attempted to work with American Express to resolve this matter, but their dispute team has proven to be incompetent and unresponsive. Despite numerous attempts to escalate the matter and speak with supervisors, American Express has failed to adequately investigate or properly resolve my case. It is clear from the evidence I have presented that I was scammed and deserve a refund, yet American Express continues to protect the fraudulent merchant. American Express 's failure to protect its customers from fraudulent merchants like XXXX is unacceptable. By allowing bad actors to take advantage of their customers, American Express is failing in its duty to provide a secure and trustworthy platform for financial transactions. I am deeply disappointed in American Express 's handling of this matter and believe that they must take immediate action to rectify the situation. I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold American Express accountable for their actions. I also request that the CFPB take steps to ensure that American Express and other financial institutions take more proactive measures to prevent fraudulent transactions from occurring in the future. Thank you for your attention to this matter.
Company Response:
State: CA
Zip: 95116
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A