Date Received: 2023-03-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My name is XXXX XXXX and Ive been a cardholder since XXXX, Id like to address an urgent matter that is frustrating treatment by American Express that is beyond unfair. In XXXX, I booked a reservation and cancelled this reservation at a hotel to celebrate my mothers XXXX birthday in XXXX XXXX. My mother opted for a different hotel and within time limits I cancelled the original hotel, a Hilton brand. For some odd reasons unbeknownst to me the Hilton brand hotel was allowed to charge me {$10000.00} even after they confirmed cancellation. Additionally, I shared the cancellation email as proof with American Express.. To continue, the charge was never released from my Platinum card on the back end and I was charged {$10000.00} on my card for months. I filed multiple disputes and ultimately contacted XXXX; filed the proper paperwork for a mediation with American Express over this charge and balance. When filing the mediation I noticed on the back of the statement, the contact and procedural information for mediation was incorrect. By estimated calculations nearly XXXX XXXX of your customers regularly received wrong information on how to file and conduct a mediation with American Express. One or two cycles after I reported the inconsistencies to your legal department it was then updated on my statement. After I conducted mediation with American Expresss general counsel, we agreed Id pay what I owe and not {$10000.00} for a hotel I canceled. I was then reinstated and given a {$4000.00} limit over a year ago. I still pay a full membership fee for the card and Im unable to freely travel internationally with a {$4000.00} limit. To date Ive charged {$48000.00} to the card. Last year, I had large medical expenses and in the midst of an already stressful and painful ordeal I had to -sit at the billing office charge {$4000.00} ; -wait, pay the {$4000.00} charge, processing a payment to Amex -wait for that payment to clear ; -charge an additional {$4000.00} of medical expenses - repeat to cover a {$10000.00} charge at the medical facility. I had to do this over and over again in this facility on different occasions. I was deeply embarrassed and only lucky I was on WiF to make such transactions. In another similar situation I would not have been able to make the full charge as needed or be allowed to make piecemeal payments for a single transactions. Ive maintained my standing with American Express, Ive paid all bills on time and have had no issues besides the {$4000.00} limit. On XX/XX/XXXX, I requested with Amex Customer Service to have the limit removed as I plan to travel internationally over the next three months. It was declined based on the type of card I have with Amex. I was never made aware that after the mediation and report of inaccuracies that I was reinstated with a different type of card. I then applied for a new Platinum card and also made a full billing payment on the same day. Days later I received an email stating my bank account could not be located. I immediately contacted my bank and they reported no problems with my account, routing number or balance. There was no reason for American Express to not locate the account. I then processed the same payment three times. On the third time the payment goes through to my XXXX XXXX. Nothing on my end was changed. Nothing on XXXX XXXX was changed. I follow up w the status of my application and it was DECLINED due to returned payment. I could not believe this, it was very upsetting and feels like a game is being played here. I spoke with someone at Amex and for the sixth time confirmed my banking details and she replied that the system kept changing my routing number and she could not explain why that was happening. She explained the steps she takes to confirm payment details, she can see my current banking details but the routing number keeps changing to a different state that is not NJ. The agent made some sort of fix and explained I should not have this issue again and she had no real explanation for it. Its my assumption my card application and bill payment on the same day caused some technical chaos. I call back to the application status line after speaking with the payment agent and Im told my application was declined due to returned payment! This is truly unbelievable and I was told to reapply in 30 days. I am beyond livid and want to cancel my card. I can not take this treatment from Amex, it disheartening. 23 years Ive been a member and in the last three Ive been mistreated. I did not return funds. My bank account is active and locatable with zero reported outages or issues with XXXXXXXX XXXX. The funds were ready and available for payment. My due date is XX/XX/XXXX and I paid on XX/XX/XXXX to maintain good standing. The XXXX XXXX account number with Amex is correct. The routing number with Amex is correct. Why was American Express unable to locate account? Ive had no problems ever with making a payment. This error on XXXX technical side was used to make a decision to deny my application. This is baffling. Why am I the subject to being maligned? Id like to have the limit removed from my card or given a new card with the full Platinum status that is acquainted with the annual fee.
Company Response:
State: NJ
Zip: 088XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In according with the Fair Credit Reporting Act, AMEX # XXXX has violated my rights. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A consumer may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 75154
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of 2023, I missed one payment to American Express. Last month as shown by the dashboard screenshot attached, they closed my account. American Express as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. As shown in the screen shots provided, both XXXX and XXXX both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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: On XX/XX/2023, I erroneously paid a Merchant, XXXX XXXX, for {$1000.00}, which I informed American Express, several times on several ocassions, by telephone and in writing. XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX XXXX never contested my claim or disputes but American Express insisted on charging or debiting my Credit Card ending in XXXX, acting as if they the third party collector. I consider this repeated action, pure and simple harassment which is tantamount to violations of Fair Debt Collection Practices Act.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/XXXX, I provided AMERICAN EXPRESS an investment security in the form of a credit card application REFERENCE XXXX XXXXXXXX by allowing them to borrow money from my trust account. The amount applied for was {$30000.00} of Federal Reserve notes. AMERICAN EXPRESS was also provided with my credit card number ( social security number ) to get the funds. There was a trusteeship established when I submitted the application permitting them to borrow money from my trust account. I, the living man, am the investor and originator creditor who is investing the financial institution AMERICAN EXPRESS Pursuant to the Federal Reserve Act which all national, member banks and Federal reserve banks are bonded by ; which states : Section 16 ( 1 ) Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. Section 16. ( 2 ) also states that my investment security which is my application I submitted, is the collateral security that fund my account and is fully guaranteed as to principal and interest which is back by the United States Treasury. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. AMERICAN EXPRESS sent me a correspondence dated XX/XX/XXXX, requesting documents based on frivolous claims which I am not obligated to provide them. A supervisor for AMERICAN EXPRESS Application name XXXX ID XXXX XXXX stated on a recorded line that it was Federal regulation for her to request extra documents to complete form 4506-C. I'm not in receipt of any constitutional or Federal document that verifies I'm obligated to provide any additional documents. My application is the collateral security that fully guaranteed and fund my credit card account. She's also in violation of 15 US CODE 1611 Criminal liability for willful and knowing violation ; ( 1 ) For willfully giving me false or inaccurate information by stating it is a Federal requirement for her to request extra documents and refused to approve my application. When I asked if her financial institution AMERICAN EXPRESS was obligated to perform by thee Federal Reserve Act, she told me she's not going to answer my question. So she willingly withheld information from me. She works in public service and an obligation to deal in good faith, which means no misleading and deceptive intent. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602p ) on behalf of AMERICAN EXPRESS ; Trust Fraud. I'm also being violated under 18 US CODE 242 DEPRIVATION OF RIGHTS UNDER COLOR OF LAW, 18 US CODE CONSPIRACY AGAINST RIGHTS : by stating it is Federal regulation to request further documents and denied me access to my funds, violation of the Federal Equal Credit Opportunity Act and violation of the RICO ACT, 18 USC 1951, All Banks must process lawful United States currency. Failure to do so is " interference with commerce '', a felony. The declaration of independence " reaffirms '' that all men are created equal, endowed by their creator with " unalienable '' rights not limited to but to include life, liberty & the pursuit of happiness. AMERICAN EXPRESS accepting my investment security, then denying me access to my funds is making me unhappy. This action is causing much emotional stress and anxiety. The fact that I'm being denied my own funds to make financial purchase for my family and I. Which is infringing on my pursuit of happiness. AMERICAN EXPRESS also receiving my collateral security for investment and portraying like I don't have " unalienable '' rights as the investor and original creditor, is a form of " oppressive '' restriction imposed upon me ; which is infringing on my right to XXXX. Additionally, AMERICAN EXPRESS is in violation of the Federal Reserve Act Section 29 " Breach of Fiduciary Duty ''.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
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 happened to me in XXXX : https : XXXX? XXXX XXXX XXXX XXXX : XXXX I arrived in XXXX for business. My hotel was in the XXXX district. I went out to a normal looking bar that was on the street by myself. I went in to soak up the atmosphere of XXXX and I was wide awake. This is around XXXX. I paid for two drinks ( by credit card ). Went to the bathroom. A couple of girls said hello to me. This was not a hostess bar. My drink must have been spiked when I went to the bathroom. I then don't remember the next 5 hours or getting home. I have flash backs of being in a room by myself. My American Express personal and corporate credit cards were charged a total of $ XXXX. I was then sick for the next XXXX days. I reported the matter to the police but the XXXX did not show me leaving and other rooms in the venue, did not have XXXX. The understood what had happened to me but could do little about it. I reported the matter to American Express. They were very helpful and empathic but nothing happened. Eventually ( 30 days later ), American Express Corporate issued a refund for the corporate charges but American Express Personal because I had charged my card for two drinks, claimed that they had my express permission. American Express acknowledged the fees went to a construction company in XXXX and that I had no history to suggest I would spend $ XXXX in alcohol by myself ( or with anyone ). American Express own security protocols were not enacted, which should have happened a transaction for {$2500.00} was made. Furthermore American Express are willingly and knowingly supporting and funding organised crime, terrorism and attempted murder ( by being drugged ). They have open another investigation, but this is just American Express buying time. American Express needs to refund this monies, based on precedent alone that American Express XXXX acknowledge that this is fraud. I am XXXX XXXX XXXX, XXXX XXXX, as a single income family with a XXXX XXXX, that could have lost his life because of American Express policies. My wife has been sick with stress do to this event, resulting in multiple trips to the Dr . I will have to empty savings for my son education to pay for this and my credit score has been ruined from an excellent score of over XXXX to less than XXXX.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been an American Express customer since XXXX and have multiple cards from American Express. Last year I got an offer where I would receive XXXX Membership Rewards points if I were to add an authorized user on my account and that authorized user were to make {$2000.00} in purchases on their card in the first 6 months of acquiring the card. I enrolled my wife, XXXX XXXX, as the authorized user on the account on XX/XX/XXXXXXXX and she made more than {$2000.00} worth of purchases within the first 45 days itself when the total time she had was close to 180 days. Later on ( maybe a month later ), she might've made some returns on the purchases she made on the card. I, being the primary user on the card, made the necessary bill payments for the purchases that XXXX XXXX made as an authorized user and kept all my accounts in good standing. However, all of a sudden on XXXX XXXX, XXXX I received an email from American Express stating that they are deducting XXXX XXXX XXXX from my account. Upon inquiring, they mentioned that XXXX didn't meet the necessary terms and conditions of the offer and that's why they are deducting the points from the account. American Express has no system on its website or its mobile app whereby it displays or tracks how much aggregate purchases an authorized user has made, how much worth they might've returned and if they are in compliance with the terms of the offer or not. If there were returns made, American Express could've notified that XXXX is not meeting the {$2000.00} spend criteria upfront rather than deducting the points 6 months after the issuance of the card. There are no alerts to notify the primary user, in this case me, as well because had I known the same I could've gone out and used the card myself to meet the {$2000.00} requirement. Rather than notifying or alerting the customer they straightaway deduct the points and let the customers know after the fact without giving any ability whatsoever to track the spend of the authorized user. I want CFPB to lodge this complaint against American Express and wish them to restore the points they have deducted from my account asap.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I have the American Espress credit card, on XX/XX/XXXX - 2021 I called Amex customer service to provide me with a payment method other than my debit card App, then the young man provided me with this account number route XXXX account XXXX XXXX XXXX belonging to Amex, I deposited XXXX dollars cash in one in said account and since then that deposit has not been deducted from my debt. I need my money.. I have the receipt of the deposit that I made.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX at approximately XXXX pm, I contacted American Express by telephone regarding the current APR they are charging on my XXXX XXXX XXXX XXXX XXXX and spoke to their representative XXXX badge number XXXX in the Texas office. My issue with American Express is that since XX/XX/XXXX, they have been charging me 29.24 % which is just under their Penalty APR of 29.99 %. I have had this account with American Express for well over 10 years during which time I have consistently paid on time and paid above the minimum amount due each month. With my account history in mind, I was therefore asking for some consideration in having my base rate ( prior to adding the prime rate ) reduced to a more reasonable rate. During our conversation, the representative informed me that the low-end rate American Express is currently charging customers is 17 % but that mine was set at 21 %. The representative then told me she did not have the authority to adjust my rate at which point I requested to speak to a supervisor or manager. The representative refused to let me speak to a supervisor or manager and insisted that no one at American Express was going to adjust my rate. I do not feel my request was unreasonable, but I do feel that charging me 21 % plus prime is not only unreasonable but extremely unfair in view of my payment history with American Express over the past 10 plus years. I have 2 other credit cards with other companies whose APRs are 17.99 % and 19.49 % respectively which is the type of APR rate reduction I was requesting American Express to consider. I felt that the representative was unprofessional and unwilling to try and assist me in this matter.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I went to a trip to the XXXX XXXX and for the first time, my wife lost her passport and we went through multiple adaptations to deal with it and it cost a lot of money. The XXXX system usually helps with transfers Immediately and upon arriving late, the hotel that is supposed to be 5 star, refused to transfer our room to the adapted date. XX/XX/XXXX I call american express to call it a fraud and unauthorized charge and they said no, it's an insurance claim for a small {$500.00}. This doesn't cover the actual charge well over this amount. The actual charge is attached. The charge never says the hotel is non-transferrable. It says non refundable and the hotel said they would've taken the transfer if they heard the day before, but they never answered the phone and hotels.com even tried. What I mean by that is they take the call but say the " person who can help isn't here right now .... '' XXXX didn't try hard enough again until monday after the friday start of the room charge. I never used the room and XXXX and the hotel misrepresented themselves as a fraud. XXXX in the past would've offered me immediate service and they failed this time. The hotel acted like a 2 star and not a 5 star. On an added note, the centurion club in XXXX airport is half the size for what's appropriate for one of the biggest airports in the world. I couldn't go in there because there was an hour wait and I wasted money on dinner.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A