Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX TO XXXX XXXX issued to me was stolen also a XXXX XXXX a american express card a gold american express card and a XXXX card was never in my possession and i applied for them but they were taken in my mail to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THE MAN THAT TOOK THEM IS NAMED XXXX XXXX MY STEP FATHER.
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I opened a Business Checking account with American Express. As a new customer, the checking account comes with a welcome bonus of 60,000 points after completing 10 qualifying transactions, making a deposit of {$5000.00} within 20 days and maintaining that balance for 60 days. I initiated a transfer of {$5000.00} on XX/XX/2023 ( Day XXXX ). The transfer was supposed to hit my American Express account on XX/XX/2023 ( Day XXXX ). However, due to the XXXX XXXX, American Express didn't apply this deposit to my account until today, XX/XX/2023, which disqualified me from receiving the bonus. I chatted with an agent who confirmed this situation. Amex DID receive the deposit on the XXXX but DID NOT apply it to my account until the next day due to the holiday. I found it unfair to disqualify my account from receiving the bonus due to internal banking procedures I'm not responsible about.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I initiated a consumer transaction with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( I ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on XXXX " The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open- ended credit. As a consumer, natural person, and original creditor I have an open- ended credit plan, it is unlawful to deny me of my own credit. I am requesting tht your company department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your company or organization civilly liable for non- compliance pursuant 15 USC 1681 ( O ), 15 USC 1640, 15 USC 1691 ( e ). Further more pursuant 15 USC 1691 ( A ) - Activities constituting discrimination, do so state " it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination! Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to lend money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person and original creditor anything.
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as XXXX XXXX, XXXX XXXX, american express, & XXXX
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 1. I discovered the fraud issue XX/XX/XXXX. I spoke with a member of the fraud team named XXXX at XXXX. He said it looked like fraud since it was from one vendor XXXX. Total fraud amount was : {$47000.00}. Case number opened was : XXXX. XXXX was to provide a new card & block XXXX from having access to my card. Neither of those items happened. 2. An stock e-mail was sent from Amex on XX/XX/XXXX that the case XXXX was released not as fraud. I called again on XX/XX/XXXX to discuss the status. Spoke with XXXX on the fraud team. I reopened the case. She realized a block was not put on XXXX & a new card had not been ordered. She completed the block & ordered a new card. Again, neither the block nor the new card happened. 3. Received a stock e-mail from Amex on XX/XX/XXXX stating that Case # XXXX was under review. Also, that Case # XXXX was not considered fraud. I called to inquire about both cases & my new card that had not been received. 4. Called XX/XX/XXXX to ensure the block was placed on XXXX since XXXX was charging my account on the XXXX of every month. I was assured it was blocked. I asked about the new card & the fraud specialist said it would be delivered within the week. 5. XX/XX/XXXX the new card was received. 6. XX/XX/XXXX : Filed a police report with the XXXX XXXX XXXX team. 7. Called on XX/XX/XXXX to ensure an additional charge from XXXX was not to be received. I was assured the fraud charge would not be allowed to go through. I reviewed all charges with XXXX after being transferred to many different people. She said the fraud charges were under review. It appeared on the system that Case # XXXX was closed. I was told the case was for the entire period of XXXX. The new case number is XXXX. This information was incorrect because I the new case number was supposed to be for the entire period of XXXX. 8. I received an e-mail from Amex on Friday, XX/XX/XXXX stating that Case # XXXX was in my favor. I received credits of {$14000.00} on my account. 9. Spoke with XXXX on XX/XX/XXXX. We reviewed the open items & determined that 15 transactions were paid for a total of {$14000.00}. There were 3 that were rejected for {$1800.00}. The case was still open for charges from XXXX. Total Amount under review : {$33000.00}. 10. On XX/XX/XXXX, I received a form letter from Amex stating that case # XXXX was rejected. 11. On XX/XX/XXXX I called at XXXX & spoke with XXXX to discuss the case. She asked me if I had given my card number to XXXX. I explained to her again, that I did not give my card number to XXXX. She said she was adding the information to my file & they would review with the back end team. 12. On XX/XX/XXXX at XXXX, I received a call from XXXX from the back-office team letting me know the additional charges were considered fraud & I would see the refund on my XXXX statement. She asked me to provide screen shots of the hacking attempts to her e-mail. I sent all documentation to XXXX & XXXX at XXXX. I did not receive the credits to my account. 13. On XX/XX/XXXX, I checked the statement to prepare to pay my XXXX payment. I pay early, so my deadline is XX/XX/XXXX. The charges were not refunded & put back on my card. The suspension of the amount was removed as well. I called & spoke with a member of the fraud team who could not help me. I was told a supervisor would call me. 14. At XXXX on XX/XX/XXXX, a supervisor named XXXX XXXX called me to ensure they were working on the refund for my account. He said I would see the update to the account reflected on my statement. I asked, when?. He said it would take them time. I let him know it needed to be prior to paying my bill on the XXXX. He agreed all would be taken care of by that date. 15. I spoke with XXXX on XX/XX/XXXX to review the status of the case. He let me know the back-office team did put a note on the account that says the charges are fraud & they are working on the refund. He promised to call me back with an answer this afternoon. 16. On XX/XX/XXXX, I filed a formal complaint with the CFPB & FTC for Amexs poor treatment of my account. Complaint # XXXX. 17. I received a call from XXXX from the back-office team on XX/XX/XXXX. She apologized that this has taken so long, gave me her direct number & said the following amount would be refunded to my card within the week : {$33000.00}. She expected the refund to appear on my card the week of XX/XX/XXXX. 18. I have not seen the refund on my card, so I called XXXX. I have not received a call back. 19. At XXXX on Sunday, XX/XX/XXXX, I received a form letter from Amex XXXX that Case # XXXX awarded {$7900.00} as a credit to my account. I still have {$25000.00} to be credited back to my card. 20. On XX/XX/XXXX, I received a credit of {$7900.00} to my card. I am still missing {$25000.00}. 21. OnXXXX, I left another message for XXXX regarding the outstanding amount still left to be refunded. I am waiting on a return call. 22. On XX/XX/XXXX, I spoke with a customer service representative that kept me on hold for 49 minutes to speak to a supervisor. Supervisor : XXXX. I let her know that I did not provide the card number to XXXX. She said that she has escalated the process to the back office team. She let me know that she is sending all the information to the back office team. The call lasted 1 hour & 13 min.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Anonymous " American Express Serve Card '' agent personnel located oitside of XXXX XXXX have been embezzling from my checkimg account for over a year now. The most recent vanishing funds transaction took place yesterday on XX/XX/2023. {$500.00} XXXX XXXX transfer to my XXXX was initiated by me XX/XX/2023. The transaction was pending, then now it is completely unaccounted for, & the funds was not returned & reflected on my available balance. Account has a limit of $ XXXX a month. Prior sums monies have been embezzled when they put my account into negative & froze my account.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This company is charging us a fee of {$20.00} for inactivity on the account. We notified them that we would like to close the account but they have not done so and are still attempting to collect a fee.
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I bought several XXXX dollars in American Express XXXX XXXX ( https : //www.amexgiftcard.com/ ) in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on XXXX {$100.00} AMEX gift cards. I also gave so me the gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Good evening, I opened an American Express card in XXXX of 2021. I am XXXX XXXX and I was told by American Express that since I am XXXX XXXX that I would not be charged the annual fee of {$450.00}. This is only reason that I went with this card is because the representative told me the yearly fee would be waved. Since XXXX of 2021 I have been working with Amex to resolve this issue, with no forward movement. I have been told " yes we do waive the fee for XXXX XXXX folks, we just need some documentation and that this will all be sorted ''. I have uploaded Statements of Service and even pay stubs showing that I am XXXX XXXX. Then I always get a letter in the mail saying that my request has been denied. So then I call again and start the whole process again. I am told " that this is a mistake and we will get this refunded to you, your XXXX XXXX service is important to Amex '' ... the refund has never happened. While trying to resolve this with Amex I have been charged 2 annual fees and wasted so many hours. I can not tell you how dissapointed I am. I feel like the victim of a bait and switch.
Company Response:
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to around {$900.00}. I was approved and sent back to the Delta website ; however, there was a problem completing the transaction. I had to re-enter the flight information and this time there was no more promotion price, as I had already applied and was approved for a Card. After contacting Amex, they said they would be willing to open a ticket to research the marketing offer but they wouldn't guarantee to honor the offer. I chose to immediately close the account because it felt like a bait and switch. They get me on the hook for a marketing offer, but then due to the hiccup of Delta 's website, but don't follow through. Very deceptive, and worthy of a review of their marketing practices as it pertains to another party 's website being able to properly fulfill on the promise made by Amex. They should have honored the request, no questions asked.
Company Response:
State: VA
Zip: 23222
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A