Date Received: 2022-12-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Last XXXX ( XXXX ) my American Express credit card limit suddenly and unexpectedly lowered from {$7500.00} to {$970.00}. When I called about the error they said it was because I had a " missed payment on another account '' which couldn't be the reason because I hadn't had a missed payment since XXXX - and the account with the missed payment was paid off and closed. They told me I could try and increase my limit again in the future, and it's been a year now and I'm still not able to. There is no longer an option for me to request a credit limit increase. I worked so hard to build my credit and address any mistakes when I was younger and this really hit my credit score hard and seemed completely unjustified since there hadn't been a change to my credit in years.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/22 Top of the day, I tried to make a payment for services via XXXX when my card declined. I than contacted Amex @ XXXX and got transferred to a rep named XXXX, she asked me a few verifying questions and stated " your card is unblocked now ''. I stayed on the phone to see if my transaction would go through and it declined, she than stated " Please get the account holder on the phone there are things in the account she can not talk to me about '' ... I advised that I was labeled as account manager on a previous call how's so? She than stated not for everything. I proceeded to get the account holder on the line and prior to me even greeting the account holder she rudely cut me off .... : :at this point I am startled by the treatment : : She than stated to the account holder about the usage on the card and now there is a new limit on the card : :by the way this is a no preset limit card that balance was once as high as $ XXXX with no payment issues : : She stated the limit is now $ XXXX and you are over the limit so how would you like to make your payment today? Of course the account holder not moved by the payment amount but moved by how suddenly the account is now over the limit and now that makes and effect on how the XXXX will look. I advised to the rep did she know what that does to the company? Are ability for future lending will be compromised and not only that we've already paid our hefty membership fee to be apart of your " exclusive club '' and had NO prior payment issues. The rep than stated AMEX is taking a loss too ... .I asked how so? Are you assuming I'm not making the payment and now closing the account?. The rep stated she will get a supervisor on the line... ..We still haven't spoken to a supervisor and time is passing
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I opened my account at the beginning of XXXX. This is a high-yield savings account. I deposited a check for {$190.00} which is a valid check. American Express held for 11 business day+5 non-business days+the day of the deposit+thewhole for it to be released. 18 days? I linked an outside bank account that I have had for a long time to transfer the money to when the check cleared. I do not have a vehicle or a way to cash the check-in person so I have to find a way to do it mobile. I own a XXXX XXXX and I have an American Express business account and I thought I would try them. But I can't transfer it to my business account since it's a personal check. That's why I opened the savings. Plus it wouldn't hurt to start saving. My account was linked successfully. I set up the transfer. I got confirmation of the transfer being completed. Then American express decides. They didn't want to give me my money. They were going to lock my account and reverse my transaction. This is the best part. When I called them and spoke to there business operations team. 4 times today on XX/XX/XXXX starting at XXXX XXXX XXXX. Every single one of them lied. They told me me multiple lies. After I explained to them not because I'm recording the call and I worked in management for XXXX and XXXX XXXX for 8 years! Did they listen? XXXX no. They verified all of my information when I got on the call. Even sending me a text message to the number that is on my account. Verified. First they told me they can't see my account because they closed it today. This is the nank operations department mind you. I know they can the account and I also know the account is not closed because I WAS IN IT WHEN SHE WAS SAYING THAT. Every one of them expected me to believe that XXXX. Then I asked what are they doing with my money. She said I need to refer to the maker of the check? XXXX XXXX! YOU CASHED THE CHECK! THENOTHER BANK PAID YOU FOR THE CHECK. THE FUNDS ARE AND HAVE BEEN AVSILBLE IN Y ACCOUNT FOR DAYS. AND YOU WANT ME TO CALL THE PERSON THATWROTE THE CHECK FOR WHAT REASON? BECAUSE THEY ALREADY TOLD ME THE CHECK CLEARED. THIS IS NOT AMERICAN EXPRESSS WORLD. YOU CSNT DO WHATEVER YOU FELL LIKE SND YOU SURE AS XXXX CSNT JUST STEEL MY MONEY. They think that they can not tell, e what's going on. Why they couldn't do this when I opened the account, if I'm so horrible then why is business account still opened and unphased like it has been since I open it. Haven't these people ever heard of REGULATION E and funds availability? Apparently not. Because they are violating that right now. I'm also sending a complaint to the attorney generals office and the Office of the Comptroller of the Currency. I don't care if it's a XXXX I'm an American, I am a veteran, and I have rights. THAT I WOULD AND WILL XXXX XXXX if needed. The day a bank gets away with trampling on mine is ABSOLUTLEY NEVER! I WANT MY MONEY AND I WANT IT NOW. I've ALREADY HAD ONE BANK STEAL {$30000.00} FROM ME THIS YEAR AND THEIR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ITS IN THE HANDS OF AUTHORITIES FINALLY. BUT IT CAN AND WILL GET DEALT WITH. JUST LIKE AMERICAN EXPRESS. SINCE YOU GUYS ARE FAILING TO REMBER THAT YOU DONT CONTROL WHAT THE PEOPLE DO. WE CONTROL WHAT YOU DO. ILL REMIND OF THST HAPPILY. ALL OF THE DATES WILL BE ON THE ATTACHED ACCOUNT INFORMATION AND CONFIRMATION EMAILS I RECEIVED ABOUT EVERYTHING I JUST SAID. HOLDS, AVAILABILTY, TRANSFER, AUTHORIZING AND APPROVING TRANSFER FROM AMERICAN EXPRESS AND THEN NOTHING SHOWING THE REVERSAL, EXCEPT FOR MY SCREEN SHOTS. I ALSO HAVE EVERY SINGLE PHONE CALL RECORDED AND GREAT DISPLAYS OF THEIR ATTEMPTED THEFT OF MY MONEY AND TALKING TO ME LIKE XXXX XXXX XXXX.
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I purchase a XXXX XXXX-year membership on XX/XX/2022, and I cancel the XXXX membership on XX/XX/2022. XXXX stated that the unused membership will be prorated refunded, and that's the two charges of {$15.00} refunded showing on XX/XX/2022. However, AMEX recharge the XXXX {$15.00} on my account on XX/XX/XXXX. This is not right, since I get no refund from XXXX at all. I called AMEX and the agent said he will file a case to get both charges refunded, but until now I don't see any refund of the XXXX {$15.00} on my account.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Had a personal loan with American Express. I paid off the loan on the companies ' web site on XXXX XXXX 2022, in the amount of {$3900.00}. American Express debited my checking account twice. They need to reimburse me for the incorrect double payment of {$3900.00} I have contacted American Express numerous times, including emailing the Corporate Office. At on point -- I think XXXX XXXX -- I was told a " paper check '' was in the mail and should get it in XXXX business day. Never happened. Several times, I was told -- including, today, XXXX XXXX -- that it was being escalated but the refund was pending. I am getting the run around from American Express! Case number is : XXXX Thanks
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I applied for an American Express credit card and I was denied an extension of credit. I did not receive the credit bureau used to make this decision nor did I receive proof of any reason to why I would have been denied an extension of credit of {$25000.00}.
Company Response:
State: NY
Zip: 14621
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2022, American Express issued a levy on my bank account to collect a debt. The levy was sent by XXXX XXXX, XXXX. I jointly own this bank account with my wife and she does not owe any debt to American Express. The levy was issued XXXX on this day and XXXX XXXX XXXX XXXX XXXX unable to be reached for several days to rectify the situation. On XX/XX/2022 I began to handle matters with American Express 's legal team. No one will properly assist me and kept forwarding me to another representative and hanging up on me. When I finally reached someone, I authorized American Express to speak to my wife, because I needed to go back to work after dealing with this issue for a long time. On XX/XX/2022 the account manager decided to lift the bank levy, because it was brought to their attention that my bank account is exempt, because its a spousal account. Ive tried explaining that to them the day before. American Express proceeded to say that my wife is not responsible for my debt and its solely my debt. On this same day, American Express harassed my wife into setting up a payment arrangement in order for them to proceed with the levy reversal. The levy shouldnt have happened in the first place, for according to Pennsylvania law my account is exempt, which American Express just stated beforehand. The bank levy wasnt lifted in a timely fashion. On XX/XX/2022 I contacted American Express, because my bank account was still frozen and I had no update of the status. The initial representative stated they have no knowledge of my case and ask about paying the debt. I asked to speak to my account XXXX and she refused to transfer me for XXXX minutes. She stated if I pay all of the balance now then the levy is over. I hung up and contacted the courts immediately for proof that American Express had processed the levy like they stated. The courts didnt receive anything from them. I kept getting the runaround as days went on as I tried to inquire on the status of my money from American Express. American Express kept hanging up on me and being very rude. American Express took over {$18000.00} which is more than the debt I owed, putting my account to a - {$8000.00}. My bank statements show that {$7900.00} was subject to garnishment. I had no access to my money from XXXX XXXX XX/XX/XXXX ( 14 days ). It literally took me going back and forth to the courts to force the legal department to move quickly. All of this was illegal. Even though the levy has been lifted, Ive experienced severe distress. On XX/XX/2022, American Express deducted {$1800.00} from my account, leaving a total of {$19000.00} that was illegally taken. On XX/XX/2022 they attempted to deduct {$500.00} from account and again on XX/XX/XXXX. This was an absolute terrible time for this to happen, because my father in law passed away on XX/XX/2022 in which I was helping take care of him in my home while all of this was occurring. I explained to American Express that they illegally took from my spousal account and I needed my money for the hardship XXXX experiencing. I also have XXXX children. They didnt care and kept stating my account is in review as if we never rectified the situation. I lost wages for dealing with this matter. I also missed my mortgage payment. The only way I was able to survive financially, was support from family and friends due to my father in XXXX 's death. I suffered XXXX XXXX XXXX as I was trying to care for my father in law, console my wife during his death, assisted in planning a funeral, travel for the the funeral, and deal with American Express. Ive attached proof : of my father in laws death, my bank account showing the amounts also stating that my account is exempt, and legal documents.
Company Response:
State: PA
Zip: 15701
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Referencing case number # XXXX, American Express reversed a {$300.00} cash back reward because I didn't keep the account open for one year. When I opened the account ( see uploaded screen shots ), the requirement to keep the account open was not mentioned. It merely states that I will receive the award after spending {$3000.00} in the first 6 months. American Express fails to tell their applicants this important information on the splash page which is misleading. A requirement such as this should be made very clear upfront, similar to the {$3000.00} purchase requirement. They don't mention the 1 year requirement upfront because they want to collect the annual fee. Had I known that I had to keep the card open for a year, I would never have closed it.
Company Response:
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: American Express discriminated against me in the application process. Amex does not use equal standards and requirements as required by law in deciding whether to extend credit. Amex uses prohibited criteria in the extension of credit and does not apply the same standards across the board for all applications. Amex decides on what requirements to apply to different individuals based on age, sex, race, religion or other prohibited criteria. Many other people have the same type of complaints against American Express.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A