Date Received: 2023-04-04
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: I have an open complaint about American Express, XXXX I called XX/XX/XXXX XXXX ET asking to speak to the supervisor who left me a voicemail 2 weeks ago. I called last week and still have not received a call back. They once again told me someone would call me within 3 days. I asked for the department and contact for service of process as requested by my lawyer. Amex refused to give me this information. This is highly inappropriate to withhold this information and likely illegal
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express is engaging in fraudulent billing practices. I paid off the full " Adjusted Balance Due '' on my account but my account still shows unpaid " Adjusted Balance Due '' and " Minimum Payment Due ''. Note the adjusted balance due is always higher than the minimum balance. The adjusted balance due is the balance that must be paid to avoid interest, fees and penalties while the minimum balance due is the amount due to avoid fees and penalties. I reported this to Amex on three separate occasions but they continue to ignore the issue.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an old debt owed to American Express. I recovered financially and wanted to pay off and clear my old debt. An " American Express Debt Collection '' company ( authorized to use the AMEX logos and represented as an agent of American Express ) looked up my employer phone number and repeated started calling my workplace. Repeatedly they had the receptionist " page the whole office '' to get me on the phone. This caused me very real conflict with my Broker in Charge and potentially jeopardized my license to do business as we have a fiduciary duty to the public and debt collectors calling and paging me at work is ILLEGAL. Because of this stress, duress, I called American Express and PAID A FULL SETTLEMENT they asked for to clear the debt and credit reports. American Express did not settle or clear the debt as agreed. When disputed, they also then reported the TOTAL DEBT and did not account for ANY OF MY PAYMENT. NOTE : this debt was very old, near the 7 year expiration, but I worked in good faith to try and settle. Now, they have sent me a tax form that I owe them money or have a credit I must report for the difference THEY AGREED TO. I was mislead, and they have broken various collection rules in this process. I would like this all REMOVED FROM MY CREDIT report at this stage as I have tried, and tried, all reasonable steps to work with them and they are being very unfair about handling this long past account.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed these fraudulent activity on these Accounts. ( Account Name + Account Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXolice report XXXX
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: I am unable to upload the declaration of fraud form through the email link sent to me. I have emailed the form on XX/XX/XXXX to XXXX But I have been informed that it was not received yet. I hope to receive another declaration of fraud form via another email like the representative I spoke to over the phone told me within 1-2 days. I do hope that once received, your team will add the provisional credit to my account. I am questioning your investigation, the fact that your team has denied my claim and refuses to refund the government benefits due to me. This has had a negative dominoe effect on my life. I lost my vehicle, I have past due registration charges that I was going to pay. As well as ending up homeless and having to move into a shelter due to my money being stolen then not having the funds to cover my rent. The reason for denial was We are unable to process your request due to no documents being used in the decision, as none were needed. And Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. Due to the pre authorization for a credit check made on XX/XX/XXXX for a dollar and then the subscription charged on the XXXX for XXXX XXXX My claim was denied. I do not wish to dispute those two charges. Only the ATM withdrawals. I also noticed in the dispute acknowledgement emails that I received, it shows the date for the transaction as the date that I made the dispute verses the actual date of the transaction. Below I will provide the details of the withdraws I did not make and would like for your team to do an accurate investigation on this. I am sure if you look for the video surveillance of the ATM transactions you will find that it was not me. I have not benefited from any of this and do not know who took my money. XX/XX/XXXX ATM Withdrawal XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX - {$200.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX. XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX CA XXXX - {$400.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX CA XXXX - {$400.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$100.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - {$100.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX, CA XXXX - {$100.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - {$60.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$20.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$20.00}. XXXX XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$100.00}
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
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: I keep being overcharged and American Express has been unable to fix it. On XX/XX/2023, I booked a fully refundable hotel through American Express Travel ( AMEX Travel ) using my American Express credit card, cost was {$230.00}. I used points to cover that purchased. As expected, my credit card was debited {$230.00} from AMEX Travel and received a credit of {$230.00} related to the points redemption, and my points had the expected amount deducted. On XX/XX/XXXX, I had to cancel this reservation and on the same day I received a credit of {$230.00} on my credit card. On the next day ( XX/XX/XXXX ) I was recharged {$230.00}. It looks like it was due to the points being returned to my account, so it makes sense AMEX would charge me and return the points. However the points never returned. I contacted customer service on XX/XX/XXXX, the representative confirmed it was due to points but don't know why this was done automatically as this is something they need to initiate. She returned my points. On the next day ( XX/XX/XXXX ), I was again charged another {$230.00} on my credit card. I contacted customer service again on XXXX XXXX, and spoke with a supervisor. Initially the supervisor told me everything is correct, but I explained again these extra charges. Then, the supervisor asked me to deal with American Express Travel. Please note that none of these unexpected charges are able to be disputed. Because they all come from AMEX, AMEX does not let me to open a dispute on them. Second, AMEX Travel shows as fully cancelled and refunded. Unfortunately, AMEX has shown a few times a problematic billing system. I recently had an offer for paying insurance with the card that I had to follow up several times ( {$30.00} credit for paying insurance with the card ) - it did not credit automatically, and required many follow ups. It was eventually fixed, but it shows a very unreliable billing system. This is for a card where the business model is to charge a high annual fee ( {$690.00} ) and provide many different small credits. There are many complaints about delays or lack of credits ( e.g. entertainment credit for XXXX, XXXX, etc. ). This card is giving me more stress than joy since I need to keep a very close look on all the promised credits, and follow up several times to make sure I receive them. This became work instead of joy. AMEX used to be better but now requires a lot of work, or I face financial loss because credits/refunds do not process as expected.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: If I can get a timeline for resolution and a personal contact to follow up with through email I will let the complaint be closed. If that can't be done I will leave a complaint open start and start pursuing other avenue to get a resolution to this. Including but not limited to contacting my congressmen, finding personal messages to American Express employees and forwarding this to my attorney. It is unacceptable to me for my complaint to be closed as if there is a resolution when there isn't one. I am re-submitted a complaint that didn't come to a resolution with my credit card company and will keep one open until there is a resolution. Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express XXXX We would like the card to be reinstated and to regain access to our rewards dollars. The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: On XX/XX/2023, I reached called American Serve Pre-Paid Customer Service via the number : XXXX. I called 6 times, and every time, I was disconnected. I needed to speak with a representative because my card is expiring very soon and I have not received a replacement card. There are only 3 options available on the automated system, none of which lists speaking to a representative. Additionally, existing customer options are limited for me since it prompts me to activate a card I have yet to receive. Can not make it past that prompt because automated disconnects if I can't provide the requested information. I can't provide a number for a card I haven't received, and I can not inform anyone that I did not receive it yet, because I can't get past that prompt without it hanging up.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: American Express failed to properly handle a billing dispute regarding an unrecognized charge in accord with the cardmember agreement and federal law. In sum, my credit card was charged {$3.00} on XX/XX/2023 by a merchant called " XXXX XXXX '' in " Malvern, XXXX '' But I was not in Pennsylvania and have absolutely no idea what " XXXX XXXX '' even is. I disputed the charge with American Express and today received a notification from American Express that states the dispute is closed because : " We gathered the attached documentation we needed to explain this charge, and we've determined that you're responsible for the amount in question. '' But the so-called documentation is a computer generated " receipt '' that provides the same information as is on the credit card statement. It doesn't say what was bought, certainly doesn't say that I bought whatever it was, and again states nothing more than something from " XXXX XXXX '' in " Malvern, XXXX '' I am not responsible for unauthorized charges under either the cardmember agreement or federal law, and American Express ' abject failure to make any reasonable attempt to resolve this issue is unacceptable and unlawful.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called in on XX/XX/23 to transfer XXXX off my XXXX XXXX to my XXXX XXXX card. I was told that was completed then transferred to a supervisor to close the card. I closed the card with the understanding that the XXXX had been transferred. Later on, I realized the XXXX had not been transferred so I called back and spoke to another supervisor whom stated they would re-instate the account. I looked several hours later and it was still showing as closed. I just got off the phone at around XXXX est with a rude and aggressive employee whom wouldn't transfer me to a supervisor and acted like they knew what happened in those calls. They told me that my account would not be re-instated and that I had to wait for letters. I have a XXXX card with an XXXX limit and there was no reason to deny my request to shift the credit limit. Now American Express closed my card based on a lie that XXXX had been transferred, then lied again when I called back to re-open and now the card is showing as closed and my XXXX line is gone now. I was told a supervisor would call me back, it has been 3 days and still no call. Just like I told the last representative, I knew there would be no call back. American Express lied during the closing, unfairly didn't transfer the XXXX limit to the other card, had another employee lie about me losing the points, another employee whom was a manager tell me it would be re-opened. Please listen to all calls on XX/XX/23.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A