Date Received: 2023-01-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My husband is currently XXXX to XXXX. The credit card is under his name, i have submitted the power of attorney and this company refuses to speak to me and keep charging me interest. I have been calling since XXXX and everytime i call its a different story and that they havent recieved it. I have mailed, faxed and uploaded the paperwork. i need help. I am under the SCAR act and its unfair to be paying all these fees, {$40.00} since 3 months now.
Company Response:
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I thought I was upgrading my gold AMEX credit card to the XXXX XXXX XXXX XXXX Credit Card. I am the cardholder owner, I agreed to the terms and conditions. When I received the card, the sky mileage number was not assigned to me but, to another person in my household. This limited my access to the mileage account. I have called and XXXX times to get this resolved. AMEX and XXXX put the customer in the middle, not owning the customer experience. I paid {$720.00} to have a card and XXXX for my husband. As a benefit I am rewarded with access to the XXXX XXXX XXXX. On XX/XX/23, we went into the sky lounge, I was allowed access, my husband was not even though, he has the credit card and we should have had the guest passes - these are awarded but, were not in my wallet due to the fact AMEX put the wrong sky mile number on my credit card. Long story short, not only did I pay the {$720.00} annual fee my benefits were denied. I had to pay {$78.00} at the sky lounge for access. I was told by AMEX it would be refunded, XXXX hours later after a number of calls, frustration etc. I had to file a dispute. I have been put in the middle of both XXXX and AMEX pointing fingers at each other. XXXX the offer was deceptive and unclear. I ended up with XXXX credit cards- essentially I paid a {$95.00} annual fee on my gold credit card and then {$720.00} on the upgraded credit card, they would not close the old card and refund me the {$95.00}, so I had to switch to the blue card, then close it with a prorated refund. XXXX denied benefits and access to the delta lounge and today, it is not resolved. What is owed? XXXX. {$78.00} for the sky lounge XXXX. It was not clear that I would not receive companion fare for the first year ( deceptive marketing practices ) 3.Promises for upgrades etc. I believe this never happens XXXXNO one at AMEX is empowered to refund a customer, they quote policy and procedure XXXX. Complaints are only taken in writing via letter - XXXX XXXX does not allow for a private complaint only public- this creates trolls who try to call and represent AMEX only to deceive. AMEX does not make its practice to protect their customers I have spent more than a day getting my sky mileage numbers situated, and requesting the {$78.00} which was charged refunded. I am disheartened at how hard I have had to work to be a customer of AMEX. Please help me, but help everyone else as well. This is unfortunate.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Contacted bluebird about money missing from my account and t told them it was numerous charges that drained my account went over all the charges and then ended conversation. Days later find out only one charge was filed. That charge was found in my favor and money was put on my account called bluebird to get rest of charges disputed filed those charges after gettting bounced around department to department. Days later told I need to file a fraud paperwork and I did that and days later get email saying not accepted, file again they say I didnt file it, ask for email again they give me wrong email, ( all on recorded line ). Sent to right email from my investigation and then l they say denied claim. Even though exact similar charge was accepted and refund given back to me from earlier so doesnt make sense they cant have proof of claim and have proof of denied claim because now only difference is amount. I got lied to and mislead.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Kabbage ( XXXXXXXX XXXX XXXX, American Express ) will not close my checking account despite several requests. I must do so over the phone and they will not give me a confirmation number. I called on XX/XX/2022. Again on XXXX XXXX XXXX after receiving a XXXX Statement. Again on XX/XX/2022 after receiving yet another XXXX Statement. I understand from other customers ' experience that sending a registered letter has no effect. They have now locked my account. It has funding of {$0.00}. They would not transfer by XXXX to a linked account. They said they would send me a check, all three times I called. While only {$0.00} for me, I understand I am far from the only one being unable to close an account. I was also made aware of a fraudulent transaction on my XXXX XXXX XXXX on XX/XX/2022. I was made aware of this by email by XXXX. This would be on a debit card I never received or activated, and my online account reflected the lack of an active debit card. This raises so many questions and red flags.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Ive been an AMEX customer almost for XXXX years. Always paid on time, never lage and even have pay off. They never offered me or approved a line increase. However, they approved me a transaction today they overdrafted my card for {$1000.00}. Isnt best that I get at least an increase of {$5000.00} and I dont get the overdraft message or a mark on my credit score? This doesnt even make sense. They prefer I get overdrafted instead of approving me a line increase.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX/XXXX/2022 I opened an amex high yields savings account in order to use as a life savings, depositing 20 % from my my at the time job into the account. I left the company for a better opportunity which unfortunately was terminated due to my recruiter failing to properly process my onboarding, and in preparation for bills I attempted to withdraw my money from the savings. Without informing me they cancelled my withdraw and closed my account. I had been trying for weeks to get my money back and they keep refusing to mail me a check and state I must contact my former employer to reverse the funds. All contacts to my previous employer has proven unsuccessful. They refuse to listen and refuse to return my money. Apparently me depositing my own direct deposits under my name and then attempting to withdraw to a different account under my name raised fraud concerns and they are refusing to give me my money. I needed that money for my long overdue credit cards and bills and this bank just made the beginning of the year a living hell.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I was checking my credit card seen I was being charged a penalty interest rate. I have had this American Express card for 5 years and never late almost always pay more than payment due. In XXXX I added a new bank received Email as soon as I received email, I fixed it. Payment still on time. They raised my interest for accidently putting in account number wrong. Totally I unjustified action!!!
Company Response:
State: IL
Zip: 61350
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Recently, I needed to pay for school tuition and I didnt have enough cash to pay for it upfront, which is why I signed up for a credit card to pay the tuition and I went to look for XXXX offered by an American bank on their website to find a card with 0 % intro APR offer so that I could pay off my tuition overtime, interest-free. I chose a bank where I was already customer card for this and didnt go to another bank. This card was advertised with {$200.00} bonus and 0 % intro APR for the first 15-months following account opening. After receiving the physical card, I paid my tuition, used the card thinking that there was no interest on card payments. After the first payment was due and I paid the minimum payment, then I saw a charge for interest fee by the bank. I called the bank and asked about this on Thursday XXXX, XXXX XXXX. The first answer I received over the phone was that there was no promotion on the card. I believed the representative, but I couldnt believe that I would apply for this card when there was no promotion, that is 0 % APR. That was the only reason I applied for the card. I looked up this credit card when I was still on the call with the representative, and it was promoted with {$200.00} cash back and 0 % APR. I told the representative what I was seeing on their web page. Following this, she said that there is a promotion now, but there wasnt one when I applied for the card back in XXXX. We finished that call with her stating that she opened a case looking into this. They also said I should have received a welcome letter with this information when I first got approved, but I could not find such an email. On Saturday XX/XX/XXXX, I called again to follow up. Again, they said that there was not a promotion when I applied for the card. I insisted that there was one and that was the only reason I applied for it. Following this, they changed their rhetoric and told me that there was a promotion but I wasnt approved for the promotion. Then I told them there was no statement saying that this credit card does not come with the promotion but I had to be approved separately for the % 0 APR. You will see in the attachments that there is no such statement. They state that the card comes with a Welcome offer of 0 % APR. The representative on the phone insisted that this was stated, as you can see in the attachments, when I click on the special character for Rate & Fees that is placed next to the 0 % APR offer statement, it takes me to additional information where it repeats the same promise/agreement. Following this, they said they will look into this and then they came back to me saying that I was not approved for the 0 % APR and a notification was sent to me agreeing to this and they had a screenshot of this. I asked for the screenshot. They said they cant provide it but will open an investigation into this. I would like to point out here that the rhetoric from a Welcome email stating the terms of promotion was sent to me changed into a notification sent to me saying I wasnt approved for 0 % APR. I then asked for an email address for the management so I could write to them, but they only gave me a XXXX XXXX XXXX Texas. If I didnt tell you this was American Express XXXX a known brand, you would think that I was a victim of a fraud by some old-time scammer. This is concerning Amex XXXX XXXX Credit Card offered by American Express which I applied for and got approved in XX/XX/XXXX. This was clearly a false advertisement and they intentionally try different ways, changing their rhetoric to make this my fault.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: American Express gave me a XXXX credit limit. I have XXXX cards with American Express not XXXX like many of American Express customers are awarded. American Express denied me a XXXX increase that I requested based on me having credit available on a charge card. American Express wrote me and express that you already have credit and that I can call to discuss. When I called underwriter hung up on me intentionally because he didnt call back. The next person said the letter is what it is and theres nothing further to discuss. Well Im bringing to your attention American Express behavior towards a select few of their card members. American Express has a systematic way of depriving individuals of fair and equal access to credit in the United States of America. XXXX credit limit for a XXXX year from a banking giant like American Express is really no credit at all. And to confirm its really a no they deny me in XXXX minutes every chance I request an increase. Despite my payment history, despite my XXXX XXXX. I know consumer finance stands behind American Express XXXX XXXX just as well as American Express knows consumer finance is behind them but maybe others with XXXX credit limit with credit scores over XXXX and no late payments will recognize they are experiencing the same denials. I asked for XXXX to XXXX and the letter says denied because you have this amount somewhere else. What does another card that has a XXXX balance have to do with another card payment history? What is going on here?
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: AMERICAN EXPRESS NEVER GAVE ME NOTICE OR A CHANCE TO OPT OUT OF CREDIT REPORTING THIS ACCOUNT INFORMATION, IM OPTING OUT NOW.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A