Date Received: 2024-01-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XX/XX/2023 I tried using my e-cardit to buy something on line and it will charge {$0.00} to the card and when you look at the card balance it states pending then when website says there is an error on the card and wont let me complete the transaction. I have called Amex and they say to try another time. I have done this and it will not work.
Company Response:
State: IL
Zip: 60051
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2024, a family member of mine purchased an Amex prepaid gift card for {$100.00}. This gift card included a 15 digit card code, an expiration date, a CVV, and a serial number on the back. On the next day ( XX/XX/2024 ) I tried to make a purchase of a yearly subscription for XXXX ( XXXX XXXX XXXX software ) and that did not go through initially. I was confused, then directed to the Amex website and the terms and conditions of prepaid cards. According to Amex, recurring billing can not be done with a prepaid gift card. Once I figured that out, it was just fine. Later that day, I tried to make a purchase for XXXXXXXX XXXX ( A food delivery service ) of around {$25.00}. This should obviously go through since the card is {$100.00}. The payment was declined, and XXXX placed a {$0.00} hold on the card, which was found on the balance page for the Amex XXXX XXXX section of the website. On the same day, I also tried to purchase {$18.00} worth of items from XXXX, and XXXX requires the card number, expiration date, and XXXX. According to Amex, the card should be available to use for online purchases. The purchase also declined, and I went to a last resort. I navigated to fsdreamteam.com for a XXXX XXXX add-on, and tried to buy XXXX XXXX from the website. The price is {$29.00} USD, which should not be a problem again because the card is {$100.00}. The purchase declined twice. I then resorted to calling Amex XXXX ( XXXX EST ) that is located on the rear of the card, and provided the card number and completed a security question with the robot. After getting transferred to an agent, I described everything I have described above. The agent said that they were very sorry for this inconvenience, and they would get to fixing it. My serial number of the card was requested by the agent, and then I was placed on hold for them to see if anything was wrong with the card. I was told that there was nothing wrong with the gift card, and that it was activated and ready to go. I then thanked the agent and waited a few hours. I then tried to make the purchase of XXXX XXXX again from the website, which asked for my card number, expiration date, and CVV. The purchase declined again, so then I became a bit worried with what was really happening. I then called support again ( XXXXXXXX XXXX ) to see if this issue could be resolved. The bot went the same way, and I was soon transferred to an agent. I was asked for my 16 digit card number when the gift card only has 15. I let the agent know, then I was asked again for the serial number and expiration date. The agent put me on hold to check the card and if anything was wrong with it and apparently some security lock was enabled on it, and it needed to be XXXX to use the card. I was surprised, and the agent let me know to try again in 24 hours and it would work. I tried XXXX and XXXX again after 24 hours, and got the same issue. I called support for the third time at XXXXXXXX XXXX on XX/XX/2024 and was met with the same bot questions, then transferred to an agent. I immediately let the agent know what the issue was and that the card should not be declining when the balance is way more than what I was buying and that every need was met. The agent apologized for the inconvenience then let me know another security lock was on the card. I was surprised again and was told to wait 24 hours to try and purchase again, and if it didnt work, to call and request a replacement. It has been 3 hours since the call, and I conducted some research to see if others had this issue, and low and behold, many have had this issue with Amex. The solution they had was to file this complaint and receive a check, so thats the route Im taking.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received XXXX AMEX digital cards via email from XXXX of my bosses for my XXXX gift. I tried purchasing items on XXXX and it was declined. I tried purchasing sneakers at XXXX and it was declined. I called up and spoke with AMEX support and they are aware of the problem and told me to keep trying at other online shops to find one that will accept it. I did find one shop and purchased a pair of jeans. I shouldnt have to do this. AMEX should state then that their electronic gift cards can not be used at most places. There is an entire thread on XXXX about this with so many disappointed people who now have worthless cards that can not be used at any major retailers. I can not use this gift card anywhere that I shop! XXXX, XXXX, XXXX, XXXX no one will accept it online and I went in person and they said absolutely. I would like to request a check in the amount of my gift cards to be sent to me please. Thank you
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S.Code 1691 ( c ) you assume civil liability pursuant to 15 usc 1691 ( k ) American Express has violated my federally protected consumer rights. XXXX Before proceeding with a formal lawsuit, I am open to a meaningful resolution to address the issues mentioned above. Since the letter I received is both proof and evidence that I have been discriminated against, they are criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received no benefits. So it shall be unlawful for any creditor to discriminate against Any applicant with respect to any aspect of credit transaction for the damages that have been done to my mental distress and financial reputation. I expect your response within a reasonable time frame, ideally within 15 business days from the receipt of this notice. Failure to address these concerns or engage in good-faith negotiations may result in legal action to protect my rights and interests as a consumer. AMERICAN EXPRESS CREDIT ACCOUNT XXXX XXXX XXXX File Number of Depositor/Registrant : XXXX American Express Receivables XXXX XXXX XXXX XXXX XXXX as Depositor of the Trust By : /s/ XXXX XXXX Name : XXXX XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: So I got this {$50.00} AMEX gift card for XXXX and I have been trying to use it for the past week on multiple stores online, and all of my payments decline! I checked the balanced and sure enough there's {$50.00} in there but it wont let me buy anything. The card is just useless now and I dont have {$50.00} anymore. : (
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX I attempted to open a American Express Business Checking account. I was responding to an offer that was sent to me via social media. American Express put my application into review status and then asked me to submit additional documents. I sent the documents and then received a letter in the mail several days later. I contacted the number on the paper and the agent for American Express told me to apply again. I reapplied on XX/XX/XXXX. I was again asked to submit additional documents, which i submitted within the required time provided in the letter. I received an email on XX/XX/XXXX that says " unfortunately we could not open your account '' I believe American Express is discriminating against me in a retaliatory manner because of previous complaints filed with the FTC and CFPB. I believe that American Express is violating the law by not opening my account.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I had learned that the credit card is increasing their annual cost but in return they would provide a quarterly {$50.00} credit based on me making an eligible purchase charged directly with a hotel within the XXXX portfolio, including bookings and incidental charges. I read through the terms and did not see any exclusions that would apply to me making a charge to book a hotel directly with hilton.com. I booked a hotel on XXXX on XX/XX/2023 to be eligible for the last quarterly credit of {$50.00}. It was for a total of {$500.00} and the credit card memo says " XXXX XXXX XXXX PURCHASE ''. I noticed I saw no sign of the purchase qualifying me for the benefit, so I reached out to American Express chat support to see why. They claimed it was ineligible because it was an advance purchase. They sent me the terms and I didn't see any mention of there being an exclusion for advance purchases. I asked the support person where it said this and they merely copy and pasted something from the terms that made no mention of purchases made in advance. Here are the terms they linked to in my conversation with them : XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account was closed because of business decision, that's what I was told. They denied to talk to me at the beginning but after I told them that I was contacting you they answered by saying that I have to contact my other bank and get request to get my money. My other bank told me to contact you. I just want my money back. The amount is {$1800.00}. I don't want business with them either. Please help me. I don't have any money.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have two $XXXX prepaid American Express cards that get declined anywhere I try to use them. Ive called customer service many times and all they say is try another merchant. The cards are getting declined everywhere!
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A