Date Received: 2023-03-12
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XX/XX/XXXX, I was approved for an amex gold card with no preset with so many different benefits, also paid an annual fee up front of {$250.00}. XX/XX/XXXX, they placed a preset limit on my account without notifying me to why, I called XX/XX/XXXX about this issue, spoke to six different representatives and they said I have to appeal the decision and give more information about myself. To my understanding, I got approved for a card with no preset and benefit that I paid annual fee for.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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: THIS IS NOT A DUPLICATE COMPLAINT! This is a complaint to AMEX. I recently reached out to AMEX demanding that they show proper documentation proving why the billing error with AMEX. What is a billing error? According to the LAW, A billing error is a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. Documentary evidence ACCORDING TO THE LAW is defined as all documents, papers, correspondence, books of account, and financial and corporate records. AMEX HAS FAILED TO PROVIDE ME WITH THIS! Statements are not enough. Billing statements created are considered fraudulent documentation. Furthermore, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose which AMEX is continuing to do! Failing to provide proper documentation as to why this billing error was made in the first place should result in automatic deletion. AGAIN, Billing statements and/or written letters are not proof of a billing error. These are considered fraudulent documents that are created which are further putting AMEX into a racketeering case! I am demanding that the following accounts are blocked, removed, and deleted.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I added a Membership Rewards bonus offer to my American platinum credit card and in XXXX XXXX the offer states spend XXXX, receive XXXX bonus points ( I have a screen shot of this offer ). I made a XXXX purchase on XX/XX/2022 and never received the bonus offer. I inquired about the bonus in XX/XX/2022 and was told I had to wait until the bonus offer expired ( XX/XX/2022 ), I reached out to Amex chat XX/XX/2022 and was told that there is a technical delay, no time frame, no ticket number, on when I would receive the bonus points. I have experienced this with AMEX membership points in XXXX regarding missing bonus points, have spent hours on the phone with representatives every few weeks to follow up and never given the earned bonus points. This is a scam the company is running, they are not following through with bonus point offers on their credit cards for customers.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I'm getting emails about a balance owed on a card that was opened in 2016 that I didn't happen.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604A section 2 It also states that a consumer credit report agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer account as late for any purpose.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2022, while on XXXX XXXX with the XXXX XXXX XXXX XXXX, I applied for and was approved for, the American Express Platinum Card. While still on XXXX XXXX American Express charged the {$690.00} annual fee to my account. I immediately contacted American Express and and requested it be removed pursuant to the MLA. They denied it. I have since contacted them XXXX more times and asked for the fee to be removed. They continue to claim they checked the MLA database. However, they have not provided the MLA database report from XX/XX/2022 that is generated when a service member 's name is searched. Now, I am no longer on XXXX XXXX. However, when I applied for the card, was approved for the card and was charged the {$690.00} fee, I was on XXXX XXXX. The MLA applies at the time the credit is applied for. My XXXX XXXX status at the time I applied for and was approved for the card was greater than 30 days thus triggering the MLA. I hereby demand AMERICAN EXPRESS provide me the Department of Defense Manpower Data Center Status Report that would have been generated in XX/XX/2022 if the search was conducted.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have a American Express Platinum Card which has a benefit of {$200.00} annual credit if you book through their travel program. I got {$100.00} credit in XXXX. I did the second eligible booking in XXXX to recieve the remaining credit, which is {$98.00}. I saw two transaction on the statement that initate by American Express. One was a {$170.00} dedit on XX/XX/XXXX, the other was a {$200.00} credit on XX/XX/XXXX. The result only net me {$26.00} instead of {$98.00}. I opened a dispute and tried multiple times to explains the situation and let them know that I did not make any purchase of the amount {$170.00}. They keep denying on mu dispute and everytime with different reasons. To me, it is a simple technical error. All they need to do is to filter all the transation of mine with their travel program in 2022. I filed this complaint because it is not just the loss due to their error, but also lack of the attitude for a long-time customer.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On Saturday, XX/XX/2023 I was making a Delta Airlines booking. At the point of payment, I was offered a signing bonus of XXXX miles plus {$400.00} credit if I spent {$2000.00} with 3 or 6 months AND a {$400.00} credit toward a Delta flight if I booked one within 6 months if I applied for their AmEx Delta SkyMiles Gold credit card. I signed up for this card. As I hit submit to purchase this, the system did not take the payment. I then received an email that gave me access to my card number with a temporary CVV code. I went back to the Delta website and booked my flight. I called AmEx on Monday, XX/XX/2023 and asked when my credit was going to be posted. After their review, they said that I was not eligible for the offer and that I received a pop-up saying that I was not eligible for the offer and if I wanted to continue. They said that I clicked yes to this. There is NO way that I would have signed up for this without the bonus as I was expecting this to pay for my flight to Kansas. I would have just put it on another card. We went back and forth and it turned into a he-said, she-said event. AmEx offered my a card with certain bonuses that were not given to me. This was basically a bait and switch. I would like AmEx to fulfill the bonus that I signed up for. I made sure to take a screenshot of offer as I have heard companies trying to deny that an offer was ever made or that the offer is less than was is published.
Company Response:
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I did not receive the {$300.00} statement credit that I was entitled to. On XX/XX/22 I applied for a Delta Skymiles American Express card. The sole reason I applied for this card and not another airline affiliated credit card was the incentives attached to the card. Incentive # 1 was I would receive a XXXX skymiles if I purchased {$2000.00} or more using the American Express card in the first six months. I fulfilled this obligation and I was awarded the XXXX skymiles. Incentive # 2 was I would receive a {$300.00} statement credit if I made a Delta Airlines purchase in the first six months. When I was approved for the Skymiles AMEX, I purchased two tickets to XXXX XXXX using the temporary card # that American Express emailed me ( XX/XX/22 ). Under the promotion I was working within, I fulfilled this requirement. However, after waiting 8-12 weeks for the statement credit like the webpage indicated, I did not receive the {$300.00} statement credit. I've reached out to American Express customer service 3 separate occasions and they will not honor the {$300.00} statement credit incentive. The response I keep getting is that the {$300.00} statement credit was never tied to my account, therefore I'm not eligible. I have a screenshot of my offer moments before I completed the online application just for this situation... something not being honored. I shared to American Express that I have this screenshot, yet they declined to receive it when I asked where I can send the screenshot for verification of my offers at the time of applying.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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: XXXX XXXX issued a quote to me via XXXX for {$260.00} for a car rental from XX/XX/XXXX to XX/XX/2022, in XXXX. I placed a reservation based on this quote. The quote neither included insurance nor mentioned that it was mandatory. When I was renting the car on XX/XX/XXXX, XXXX coerced me into buying insurance refusing to rent me a car otherwise. I did not need this insurance because I already arranged it through a third party ( American Express XXXX ). However, I needed a car and had to agree to the coercion. Accordingly, I disputed the insurance charge of {$130.00} ( a part of XX/XX/2022 total of {$390.00} ) with my credit card company American Express but they insisted that the transaction was valid. I believe XXXX cheated me into buying an additional product that they did not include in their original quote.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A