Date Received: 2023-01-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: We are business owners, we bought AMEX Pre Paid Gift Cards and had been buying for a few years. This is from a batch we bought in XX/XX/XXXX, at least XXXX of the cards were used before being given out to employees or clients. One example is card # XXXX for {$100.00} was in our possession till the first week of XX/XX/XXXX, when a client tried to use it only had {$10.00} left and had a couple of transactions from XX/XX/XXXX in California, we are based in MA. There is no number to call AMEX XXXX department, we have to call the number on the back of the card and that takes us to call ctr in the XXXX and they don't understand that it is fraud and they go by the script, I have tried to talk to a XXXX but with no luck. We still have some cards from that batch and we are embarrassed to give it out.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for XXXX XXXX XXXX XXXX from American Express. The bonus offer is XXXX bonus miles + {$300.00} statement credits. After I made eligible purchases ( over {$2000.00} purchase and booked a XXXX XXXX ) within the first 3 months, i did not receive the bonus. When i inquired custom service with the custom service, I was initially told that I am eligible for the offer but there may be delays. I waited several weeks, but still did not receive the bonus. When I checked with them later, I was told that the promotional bonus offer was declined when I applied for it. However, I did not receive any notification ( e.g., no pop-up windows ) when I applied for it.
Company Response:
State: OH
Zip: 45701
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT AMERICAN EXPRESS SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. XXXX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. AND I REQUESTED PROOF FROM AMERICAN EXPRESSED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. XXXX OR AMERICAN EXPRESS DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY XXXX CREDIT BUREAUS.
Company Response:
State: MS
Zip: 396XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Right before the pandemic launched, I lost my XXXX American Express credit card and was waiting for a new card to come in the mail in XXXX of 2019. The card was sent priority mail and delivered to my front door. Someone stole the card and attempted to withdraw cash at an ATM ( per American Express ). This now has an open balance which is fraudulent and should be disputed. Then, I received an email stating I was approved for the XXXX American Express credit card that I did not apply for in XX/XX/XXXX 2019. Again, in XXXX of 2019 I received a letter in the mail stating I had applied for the XXXX XXXX American Express credit card, but I had not applied for this. I called American Express and reported all three instances immediately. I have followed up NUMEROUS times with employees hanging up in my face and NO RESOLUTION to date including details around the identity theft. This negatively impacted my credit score and I was unable to secure housing due to the derogatory remarks. I am now a victim of identity theft and am still waiting to hear back from American Express.
Company Response:
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have a Bluebird Debit card issued by XXXX XXXX XXXX XXXX American Express which was opened in early XXXX. The card is funded via transfers to/from my Checking account at XXXX XXXX XXXX . All of the sudden the link to my checking account stopped working. I have been trying unsuccessfully for over a week to transfer the funds back to my Checking account. I have called the Helpline many times ( XXXX ), but have been getting the run around. First I was told to unlink my Checking account & relink it. Then I was told I can't unlink it, they need to do it. When it appears linked, and asks to verify the Trial Deposits sent to my Checking account. But when I enter the amounts, the system tells me the amounts are wrong. Then I'm told I need to ignore any Trial Deposits less than a dollar, but all the Trial Deposits are less than a dollar. Each time they re-link the account I'm told I need to wait up to 5 days. I've spoken to several representatives, including a supervisor, and each one gives me different answers. Meanwhile, I can't get my money. At this point I just want to close the account and get my money.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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: I am writing to express my dissatisfaction with the handling of my dispute with a company i ordered from online. On XX/XX/XXXX, I placed an order with XXXX XXXXXXXX XXXX for the amount of {$750.00}. However, upon receiving notification of delivery on XX/XX/XXXX, I was unable to locate the package. I contacted their customer service department regarding this matter, but was informed that no further action would be taken on your end as the package was shown to have been delivered. I also reached out to the carrier but was advised that the vendor should communicate with them to resolve the issue, which to my knowledge, was never attempted by the vendor. As a result of these unsatisfactory responses, I filed a dispute with my bank on XX/XX/XXXX under reference number : XXXX. Unfortunately, my dispute was sided with your company due to the tracking evidence submitted, which I personally do not consider to be sufficient burden of proof. Furthermore, I noticed that the vendor had decided to ship out my items without a signature required and was not willing to further address the issue. I have attempted to resolve this matter as a responsible consumer by reaching out to the vendor, however, I was not given the opportunity to have a productive conversation. I was not satisfied with the outcome of my initial dispute and filed to reopen the dispute on XXXX XXXX to provide my side of the story, but this request was sided with the vendor again on XX/XX/XXXX. I am disappointed that the vendor simply copied and pasted the first evidence submitted in the dispute process and was unwilling to consider my perspective. I urge you to investigate this matter further and take appropriate action to rectify the situation.
Company Response:
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX : Opening this new case as a continuation of XXXX The response I received from Amex response indicated : " Third Party Disclosure Laws and American Express privacy policy prohibit sharing certain types of information with unauthorized accountholders ''. They were not able to reach my wife 's mobile number and so the complaint was Closed. They redirected me back to XXXX XXXX services to address the issue. I just spoke with a Manager ( XXXX ) from that team who updated my wife 's account with a new mobile contact number. He advised that opening a new issue with CFPB was only way to establish contact with the " XXXX XXXX XXXX XXXX '' that are are responsible for handling this complaint.
The submission details here and below are then the same as for the prior complaint ( ending XXXX ).
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was told I would receive a retention offer of {$300.00} after spending {$3000.00} on my American express XXXX card if I renewed the card. However after meeting the spending requirement and asking when I would receive the credit, a representative months later told me I did not meet the requirements. Then when I asked if I could receive a refund for the annual fee I was told I could not even though the only reason I kept the card was due to the retention offer they presented.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Gift Card Order # XXXX - {$4000.00} Gift Card Order # XXXX - {$5000.00} Gift Card Order # XXXX - {$20000.00} All American Express Gift Cards purchased online through American Express with an American Express Gift Card. Gift cards were received only to find that they had been partially used before receiving them. Someone had hacked into their site or something and was using them all over the country. Upon contacting American Express they deferred us to the American Express Gift Card department who then told us we personally had to contact each vendor that we see the fraudulent charge was used and try get our money back that way. I feel that we should be getting the money back from American Express as they are the ones who sent the fraudulent products. No one wants to help and just keeps passing the buck. I have spent days on the phone being passed back and forth to each company with no avail. This is just wrong.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In the briefest way I can explain, I am currently a victim of XXXX XXXXXXXX and am in a long process of extracting myself and my young son. For a brief period I stopped using my American Express card so that I might have an emergency credit card in my name only in case I needed to flee. Because I didn't use the card for XXXX months, Amex cancelled it even though I have been a XXXX year member in good standing, with a XXXX balance and had paid the annual fee. Their records said they sent a notice by mail, which I did not receive. Just XXXX notice. I am not interested in resuming business with Amex. My real issue is that it was my longest-held credit card and its cancellation had a real impact on my credit score - the score I'm going to need to find new housing when this nightmare is over. When I contacted XXXX to determine the damage and what I might be able to do about it they were unable to tell me. They said because of the complexity of the variables used to determine credit-worthiness it was impossible to say what impact this particular cancellation had. If I wanted to dispute something I could - but there is nothing to dispute. I am left with a damaged credit score for doing absolutely nothing wrong except not making American Express money during a brief period.
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A