Date Received: 2023-03-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am writing this letter to give you notice that i AM OWED {$16.00} in rewards from American Express for purchases made on XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX from their merchant XXXX XXXX XXXX WA ( also known as XXXX Fresh located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX ). This location has been mis-categorizing purchases made on my XXXX XXXX XXXX American Express XXXX XXXX XXXX occasions. On XXXX XXXX, XXXX American Express credited {$11.00} for my purchases made XXXX XXXX and XXXX XXXX but don't be fooled because this covers only a small portion of the cashback rewards they promised. The merchant continues to not categorizing the purchases as XXXX XXXX. Because of this mis-categorization of 1 %, the promised reward of 6 % has been denied. This complaint is to ask for the 5 % differential monies of {$16.00} owed for my purchases listed above.
Company Response:
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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 had a American Express credit card and several months later they stated that I owe {$5000.00}, which was not true. Because American Express was asking to pay the {$5000.00}, I did not want it to affect my credit card score. So I sent a check by mail from my bank at the time XXXX XXXX. Several months later, American Express asked me for {$5000.00}, I stated that I already paid the {$5000.00}. Again years later, American Express said they asked me if I had any proof of sending the check. I had not made a copy of the check and closed my bank account at XXXXXXXX XXXX and because it had been years since my account was closed they didn't have access to my account any longer. So American Express was taking monthly installment of a total of {$5000.00} from my account at XXXX XXXX XXXX and over {$12000.00} from my wife. I am requesting the investigate this matter.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Hi, In XXXX we had issues related to XXXX and my son was born ( for which I needed to take paternity leave ). In XXXX I needed to take XXXX. Due to this, I also needed to change jobs, from which I was laid off -- due to no fault of my own -- in the beginning of XXXX. I am not yet eligible for unemployment and have not found a new job yet and have {$0.00} coming in. I have called my credit card companies to ask for a hardship forbearance. I called AmEx and have been given the run around, given additional numbers, first I called the number on the back of my card, and spoke to XXXX. She sent me to the " FRP Team '' without explaining what that was, and XXXX then told to call XXXX. XXXX picked up the phone, who then transferred me to XXXX XXXX. Finally, XXXX told me AmEx would not be willing to do anything unless I would be willing to pay, and that after XX/XX/XXXX I would be sued. He asked for information I believe he had no business to, that was in no ways related to a forbearance so that I could regain my status as a cardmember in good standing after the forbearance was over. Yesterday, XX/XX/XXXX, AmEx sent someone over to my residence, who banged on doors and windows, looked through the windows, and scared my wife to the point where she told him she was calling 911. The unknown man left behind a packet of papers indicating I'm being sued, and a number of items in the packet are incorrect. Then, today, XX/XX/XXXX, at XXXX someone named " XXXX XXXX '' from American Express informed me that he wanted to " keep my account in good standing '' and that they " valued my business. '' When I mentioned that if AmEx wanted to do that they should drop their law suit, he said he couldn't do that. He asked for a number of pieces of information that was none of their business, like where I bank, and where I work. I told him I had an attorney and that as this was a suit the contact should be through the attorneys but he kept talking anyways. It is my opinion AmEx is trying to intimidate me. A process server does have the right to serve me personally, as per the relevant civil codes in NY State, but does not have the right to be a peeping tom and look into my windows and at my wife. AmEx clearly lied in that they said they were going to sue me after XX/XX/XXXX, but they tried to serve me XX/XX/XXXX and the papers clearly stated they had actually filed suit in XXXX. After initiating legal action ( which has its own set of rules about how they may now contact me through my attorney ) they called me up and asked me to pay off the debt with an implied " or else. '' AmEx certainly doesn't have to be nice, but they do have to follow the rules. This is a clear case of intimidation and I would like to see them drop their suit and work with me like a civilized company.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been having ongoing issues with my credit card company American Express. They have been doing a poor job with delivering accurate information of how much I owe. Ive also stated to them that I have fraud on my account, and that I am unable to go to all the transactions to alone. It seems as though the Fraud is probably coming from a card that was cloned or skimmed. Or it could be coming from a hacker, which has been altering a lot of my financial records. American Express refuses to assist me and they also refuse to dispute a lot of my charges. They also have a habit of cheating me on the phone for so many periods of time transferring over and over and over to different departments, and to hear my complaint, and finally deny any services to assist me. A lot of times this is really aggravating so it discourages me from calling for assistance. And because I dont call because of their tactics I end up losing the amount of time needed to file a dispute. So time goes by, I get more frustrated and call to get assistance, and they deny me again. For this reason, there has been a lot of transactions that have not been disputed which has caused balance to be so high. I feel that I am retaliated against and discriminated because every time I do conduct a dispute the credit is not applied to my account where its available to be used. They have been holding my credit hostage, leaving me without any availability of funds to use my credit card. And they have all sold caused me to pay a higher amount of payments because of all the transactions on my account that I was not able to dispute. I dont think its fair that if I have a dispute a transaction that they restrict my accountant suspend it mean wild investigation is completed.
Company Response:
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I left my card at the ATM or someone stole it. They went on a shopping / spending spree without the card company flagging for suspicious activity like they should. I did everything on my end such as freeze card, got replacement. I filed a police report I filled out the declaration of fraud paper and uploaded all to their site. They denied my claim due to ATM pin was used for ATM withdrawals. I don't agree however I never gave my pin out and the ATM is. Very open anyone could have been watching. However ; although I don't agree with their decision I guess it was negligence on my part to looses or leave card in the first place. But the on-line purchases which equal {$550.00} I can not understand reasoning behind the card company not crediting my account for. This was theft or fraud whichever it was not authorized by me. The card is the American express serve card which I had my federal income tax refund deposited on. I can not believe American express backs this unprofessional company. After not getting through to customer service for hours the getting hung up on or transferred to a representative that tells me she doesn't know and I'm unable to speak with someone in charge. I have requested all documentation from their investigation and they refuse to give that info to me. All I know is I got my refund of {$5000.00} and some odd dollars deposited to this card and I withdrew XXXX and never seen this card again and have no funds available to me. I am sickened by they way I have been treated and am desperately seeking help in this matter. I have filed a police report for theft but that is all I can do. Please help me!
Company Response:
State: OH
Zip: 44319
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Applied for American Express Card upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the Amex app. We went through this several months ago with my wifes Amex card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but Amex continues to send this report. Have been a customer of Amex for 23 years. Dont think we will make it to 24 years but I want this information fixed
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I made a reservation through the credit card travel website for my vacation accordingly ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) All these flights above are for two people, my husband and me. On XX/XX/XXXX, I realized I had made a mistake with my last name on the ticket. I made a reservation for my flight with my married name, but my passport is my maiden name. These two names need to be matched to fly internationally. I took action by contact to my travel credit card company immediately to solve my problem. First credit card travel agent situation : the agent told me that I needed to contact the airline because they could not change my name on their end. I received that solution and contacted the airline immediately after their call opened. XX/XX/XXXX Airline agent situation : I have been on hold for 2 hours to talk to a human. She told me that I had booked my flight through the travel agent, so I had to speak to the travel agent, not the airline. I was confused and decided to merge their call to get the right answer. Second credit card travel agent situation : After I merge the call of a credit card travel agent and airline, we found that the credit card company need a waiver code from the airline to change my name without extra charge on their end. The credit card travel agent has to find the flight with the same itinerary and class ( O class ) to change my name without an extra fee with the waiver code from the airline. The credit card agent told me that she would talk to her supervisor and give me a callback. I never received any call back from the credit card company, and I was so worried. I decided to give them a callback. Third credit card travel agent situation : I asked her about my case, and she said the girl that works for my case won't be back until Sunday ( XX/XX/XXXX ). I said that I could not wait and needed this problem to be fixed. She told me that the only way that they could do is to cancel my flight and re-book a new flight. I asked if I could only cancel part of my flight and leave my husband 's as it was. She said that I could not because it was the same reservation number. My original flight for 2 was {$2300.00}, and If I created a new reservation for two, it would cost around {$5200.00}. I was not sure what to do, and I asked her if she could put on a note, and after I discussed it with my husband, I would call her back. She said yes, and she will leave the note for my case and the waiver code that they got from the airline. ( She mentioned that the refund would come back after two statements ) Fourth credit card travel agent situation : I made a diction with my husband that we were willing to cancel our flight and re-book after receiving the refund. The agent on this call was telling me that she could cancel only my flight and leave my husband 's flight as it was. I will get a refund of {$1100.00} for my flight that cancels with a waiver code. I will need to buy a new flight to replace that one. I said, ok, I am willing to do that so I can get to the destination at the same time as my husband. She books my new flight at the price of {$2600.00}. And she mentioned that I would receive the refund after 7-10 business days. She told me everything was good to go. I only have to pay the difference between my new flight after a refund which is {$1400.00}. I will get an email after 24 hours to confirm my flight detail. XX/XX/XXXX I checked the email in the morning and found my new flight that has only my name on it. I also got another email with my husband 's name + my name on that itinerary with one extra flight from XXXX to XXXX. I was so confused about why I got that flight. I contact my credit card travel agent immediately after receiving the email. Fifth credit card travel agent situation : The guys told me that it was just an error with the system and staff that did not intentionally want it to happen. My flight is still good, and my husband 's flight is still good. I was still worried about getting charged for that extra flight, so I asked him if I would get charged for that flight or not. He said I wouldn't get charged for that flight, and he will delete that extra flight and leave everything as it was. I also asked for my refund, and he said that it had already been issued and I should get a refund within 3-5 business days. On XX/XX/XXXX I received a refund of {$1100.00} from the credit card company. I still want to make sure that my flight is ready to go and that everything is all set. I try to check my flight through the airline app on my phone again. I found the flight that I re-booked, but I can not find my husband 's flight from that confirmation number. I decided to give call to my credit card company again. Sixth credit card travel agent situation : I called to double-check if everything was ok and ready for my trip. I told them that I could not find my husband 's flight with the confirmation number that I had. The agent told me that my husband 's flight got canceled, and the refund that I got back was from the original flight that I booked with the wrong last name. They meant to cancel my flight and re-book it. And leave my husband 's flight as it was. She told me that, unfortunately, the flight that got canceled was my husband 's flight, and the refund that I got from his flight got canceled. If he wants to go with me on the same itinerary, he has to book a new ticket at the price of {$2800.00}. It was an agent error, and they are sorry that it happened. I checked my original flight with the wrong last name again on the airline app to make sure that they told the truth. I can not find my original flight at all, the same as my husband 's flight that got canceled. They only gave me half of my refund from my original flight and forced me to buy a new flight even though it was their agent 's false that canceled the wrong person. She told me that her supervisor would give me a callback, and I have never received any call back from this company since then. Summary Original flight me with wrong name + my husband = {$2300.00} Cancel on flight refund = {$1100.00} Book a new flight with my new name = {$2600.00} ( After the refund, I will send {$1400.00} ) My husband 's new flight ( after agent false ) = {$2800.00} ( no refund from the original flight to deduct ) This means I spent {$5400.00} with the credit card to get my name changed. I spent {$2800.00} on the credit card travel agent mistake that they made and never received a refund or called back. This credit card company charged me {$3000.00} extra from my original payment ( {$2300.00} ) to get the name change.
Company Response:
State: AR
Zip: 72704
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XXXX XXXX XXXX is the date on a letter that I recieved from American Express regarding my XXXX XXXX ending in XXXX. The letter advised they took my no preset limit and reduced it to a {$4700.00} limit. Their reasons of doing so are invalid. They stated that based on my credit report, I am or were past due with another creditor. Secondly, I have too many requests for credit. I have contacted XXXX and they have stated when i called them on XXXX XXXX XXXX that they do not know where American Express has obtained such negative and derogaratory information. XXXX assured me that AMEX was not provided any negative information about me regarding the letter dated XXXX XXXX XXXX I did obtain a copy of my XXXX credit report on XXXX XXXX XXXX and my XXXX was XXXX. Today, during this complaint, My XXXX is XXXX with XXXX. I would not have a high credit score if what AMEX is saying is true. However, on XXXX XXXX XXXX I had 2 inquires, as of today, XXXX XXXX XXXX I only have1 inquiry. I would like to know where AMEX has obtained such false records about me and my credit. I did overnight a 170 page XXXX Credit Report to American Express at XXXX XXXX XXXX XXXX XXXX, TX XXXX with tracking number XXXX via XXXX. The actions you took on my account was uncalled for and unethical. I am not paying you ( AMEX ) a {$690.00} annual fee to have a credit limit of {$4700.00}. What benefit is there to pay {$690.00} annual fee for a {$4700.00} credit line. You have until XXXX XXXX XXXX to get my account restored back to no preset limit.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A