Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: - XX/XX/22 - Opened a XXXX XXXX XXXX Credit Card ( AMEX ) -Since then I have been trying to connect that card to my XXXX XXXX Account -I have earned over 80k XXXX points XXXX however, AMEX and XXXX are unable to connect my accounts. If they can't connect the accounts, they are unable to give me the points. -In addition, I have already paid the credit card membership fee and have been unable to use any of the card benefits. -I have contacted AMEX and XXXX XXXX XXXX times ( in chat and phone ). They promised that they would get this issue resolved. However, they have not done anything yet.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I was one day late for my payment, I paid in full the next day. I was charged {$170.00} on XX/XX/XXXX for this. I understand I was late and I accept that. However, XX/XX/XXXX I was charged another {$170.00}. I paid on XX/XX/XXXX the day it was due, and there was no balance. I have never had a balance on this card except for the one day I was late. When I called and asked why I got charged another {$170.00} when I paid on time and in full. The customer service person didn't even know they had to go ask someone. I was told I am charged two months in a row interest for the one day late payment. Why? No balance was carried forward. Of course they will not take it off.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied Amex Gold card in XX/XX/XXXX, and enrolled the welcome offer XXXX Membership Rewards points after making qualifying purchases of {$4000.00} or more on the Card within the first 6 months of Card Membership. On XX/XX/XXXX, the customer service agent confirmed I enrolled the offer. Within the first 5 months, total amount of eligible purchase is {$4200.00} ( excluding annual fee, reward credit, and return transactions ). See breakdowns below : * Billing cycle XXXX ( XX/XX/XXXX ) : new charge {$3000.00} ( excluding annual fee ) - Credits {$620.00} = {$2400.00} ; * Billing cycle XXXX ( XX/XX/XXXX ) : new charge - credits = {$520.00} ; * Billing cycle 3 ( XX/XX/XXXX ) : new charge - credits = {$1000.00} ; * Billing cycle 4 ( XX/XX/XXXX ) : new charge - credits = {$160.00} ; * Billing cycle 5 ( XX/XX/XXXX ) : new charge - credits = {$61.00}. On XX/XX/XXXX, I contacted the customer service. The agent said I did not get the bonus because transaction amount within the first XXXX months had not exceed {$4000.00}. Qualified Spend Amount showing as {$3500.00}, and while Remaining Spend Amount showing as {$490.00}. As the numbers are not correct, I asked the agent opened an investigation case for me. On XX/XX/XXXX, the case is closed without any reason. The agent escalated the case for me and the case number is XXXX. On XX/XX/XXXX, XXXX XXXX is closed. The result was that transactions did not total to the spend threshold amount {$4000.00}. Upon my request, the agent reopened the case for me for more details. Case number is XXXX. On XX/XX/XXXX, XXXX XXXX is closed. The results was that the account has an approximately of {$3800.00} total spending for the timeframe, and refused to further provide details how they got this number. This number is different than the agent gave me on XX/XX/XXXX. I calculated the purchase amount multiple times and am very confident I am qualified for the welcome bonus, since the purchase amount within the first XXXX month has already exceed {$4000.00}, let alone purchases within first XXXX months.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: American Express unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I used my XXXX XXXXXXXX XXXX Bill Pay service to pay American Express because using the AMEX would not be processed properly and I would be charged late fees or the payment wouldn't go through. The Tracked Payment to AMEX was rec 'd on Friday, XX/XX/XXXX for a payment due on XX/XX/XXXX. AMEX did not process the payment until Sunday, XX/XX/XXXX, and then charged my {$20.00} in interest and a {$29.00} Late Fee. This isn't just dishonest. It's lazy. AMEX cares so little about my business, that they have repeatedly punished me for paying my bills on time.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I recently had to get a new card series with AMerican Express due to unauthorized transactions on a previous card and exhausting the series of card numbers. I had to do a new card application and everything and recently got my card in XXXX. I noticed that I was charged a {$95.00} annual fee ( this is a blue cash preferred card ), even though I already paid this annual fee on the old card back in XXXX of 2022 on the old card. Please wiave this annual fee. I shouldn't be charged twice.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have been an Amex card holder for 15 years. Prior to XX/XX/XXXX I've held 2 Amex cards, a XXXX card ( {$0.00} annual fee ), and the Amex Hilton card ( {$95.00} annual fee ). I closed the Hilton card, not because of Amex, but because the hotel had signs of bed bugs, the air conditioning unit in our room was broken, they couldn't move us to a new room, and all of their amenities promised on the website were closed. I didn't plan on staying at a Hilton ever again, so I closed the card because it didn't make sense to pay $ XXXX for it. I am still an Amex customer via my XXXX card. In XX/XX/XXXX, American Express XXXX was offering a XXXX Welcome Offer if you spent $ XXXX in 3 months. This card comes with a {$690.00} annual fee. The terms of this welcome offer were " Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' After weighing my options between this card and several others, after much consideration I decided to sign up for this card and was approved. During the application process I received NO notice that I would not receive a welcome offer. I certainly would not have moved forward with a {$690.00} annual fee card when others were receiving it for opening it. As of today ( XX/XX/XXXX ) I've spent well over $ XXXX, so I chatted with Amex online to obtain the progress I've made on my spend towards the welcome bonus and was going to ask for timing on when the points would be applied. Much to my dismay the representative told me my welcome bonus was declined and that I was informed of this during my application process. They said I received a pop up when I was applying that would've informed me of this and I'd have to agree to move forward. I understand that it may be DESIGNED to work that way, but as someone who has worked in technology and XXXX, I can 100 % tell you there is a gap in that pop up window appearing and it didn't appear for me, I am 100 % certain. I don't know if they need to investigate a bug, or what, but I read things carefully when I sign up for stuff and I am 100 % certain I did not receive a pop up message informing me my welcome offer was declined. I was NOT informed of this during my application process, and certainly would not have agreed to a {$690.00} annual fee without the welcome bonus as a factor. I was told to get the specific reason for the decline I'd need to call the number on the back of my card. I called the number on the back of my card and was told by the phone representative that I was declined because I received an Amex welcome offer in the past, I believe they're referring to the XXXX card I referenced above, that I closed because of a very poor hotel experience. The main issue for my complaint here is misleading advertising and terms/conditions, as well as no communication that I would not receive the welcome bonus. It was 100 % not disclosed to me when I signed up. I also do not feel American Express had a valid reason to decline my welcome offer. It is not contained in my welcome offer terms that I am disqualified for receiving bonus offers in the past, the 2 terms outlined are 1 ) I can't have held the Amex card in the past, which I haven't, and 2 ) they'll weigh how many cards I've opened and closed. I've opened 2 and closed 1 over 15 years which is objectively not abuse of any system and any reasonable company would not disqualify me for those reasons. For all intents and purposes I should be eligible for this offer based on their terms. Their welcome terms are misleading and incomplete since they will disqualify you for receiving a welcome offer in the past, but do not include that in their terms.
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit rating was XXXX in XXXX of last year. I am retired, own my home and car, have no loans, no debt, and no late payments. For security reasons my credit ratings were frozen ( by me ) years ago. Several years ago I opened a blue AMEX XXXX XXXX Card at their offer, used it for a very short time, made sure it was paid off, told AMEX to cancel it, I then cut up the card and threw it away. Unknown to me until sometime after XX/XX/2022 AMEX reported ( to the collection agencies ) that I was delinquent for just over {$30.00} on a charge made with this card in XXXXXXXX XXXX XXXX My credit rating dropped to the low XXXX. I was never informed by AMEX by phone, email, or mail about this issue. I found out in the fall of last year while checking my credit. It took months to get AMEX to admit I did not make that XXXX {$30.00} charge, cancel the card ( again ) and inform the credit agencies that there was no delinquent charge. My credit only returned to XXXX. AMEX and the credit agencies pointed the fingers at each other for the reason. Two days ago I found out AMEX did it again ( for the exact same card ) in XX/XX/2022 and my credit rating dropped to the XXXX. Yesterday I spoke with seven different representatives at AMEX plus a call to XXXX. Every AMEX representative gave me a completely different and contradictory reason and course of action. The issue is sill not resolved.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I did a credit report and it showed that I have a balance of American Express, which I never received correspondence regarding any balance or ever knowing that the account was open.
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Consumer Reporting Agencies have Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on my consumer report.
Company Response:
State: FL
Zip: 33461
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A