Date Received: 2022-11-11
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: As a follow up to dispute case XXXX, I called and spoke to a supervisor named XXXX. XXXX understood my issue and assured me the matter would be resolved with 24-48 hours. As of XX/XX/11 the amount is still not credited nor has American Express removed the erroneous XX/XX/XXXX {$650.00} charge. I have attached XXXX response to me in writing regarding the credit to my account had been processed and would show within days.
Company Response:
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This card offers a XXXX Membership Rewards points bonus if I spent {$15000.00} in 92 days. Before that time period was up, I called to confirm that I spent the required amount and was told I had. I have not received the points and have called many times to resolve it. Their response is that someone internally will have to review the phone calls and I should hear back from them within a week. I never hear back. This has happened numerous times and there is no contact watsoever from American Express. The newest representative always says that the issue is still pending. It's been about four months with no resolution.
Company Response:
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened up a card with AMEX Delta SkyMiles on XX/XX/XXXX. The promotion was for a {$400.00} credit plus XXXX SkyMiles if I made {$2000.00} in purchases within the first 3 months ( offer ID POID XXXX ). I opened the card through Delta 's website as I was purchasing tickets for an upcoming trip. After completing the application process and getting the account approved, I purchased the tickets which exceeded the {$2000.00} limit. However, after the purchase, I learned that someone switched the offer to provide XXXX XXXX and no credit. I immediately called on XX/XX/XXXX to asked why there was a " bait and switch '' with the promotional offer. They said they would take my complaint and get me an answer. No reasonable answer has been forthcoming. I have since been using the card and not a single XXXX has been credited to my account, not even for purchases. I have made over XXXX calls to customer service with each call resulting in a different excuse. The last excuse was that everything would be resolved by XX/XX/XXXX, which is the end of the billing cycle ( which would be XXXX billing cycle since I was approved for the card ). On XX/XX/XXXX, I called again and received a new excuse. Now, the excuse is that it takes XXXX - XXXX weeks to resolve the complaint I made on XX/XX/XXXX. I'm sure if I wait another XXXX weeks I will receive another new excuse- which will be that it takes XXXX - XXXX weeks to resolve a complaint. This is classic " bait and switch. ''
Company Response:
State: MO
Zip: 64152
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Once again, American Express advertises {$200.00} off a XXXX XXXX when using your American Express XXXX XXXX and staying at one of their Hotel Collections ( for a minum of 2 nights ). Please see attached. I did just that. Using my American Express XXXX XXXX ending in XXXX. I was told by American Express I could use either the business or personal AMEX card. The advertising on their website also states " XXXX XXXX XXXX ''. Nowhere in the ad does it state it must be one or the other. But in the deceptive and corrupt ( systematic ) way, American Express is now telling me they will not grant the {$200.00} discount. What is going with all the deception?? Why is American Express constantly deceiving consumers?
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Wed, XX/XX/XXXX at XXXX XXXX On XX/XX/XXXX I acquired a prepaid debit card at my local grocery store for my child and registered the account via email. I never used it. The only information I have at this point is that the card ends in XXXX. Since that time I have received emails reporting my 'monthly statement is available ' but I have not been able to access the account to see what if any monthly charges have been made. Additionally, I lost the card and so did not have the XXXX digit number when attempting to log into my account or reset the password which never worked. ( For some reason the password information I had originally saved did not work. ) I have been unable to reset the password despite multiple attempts including on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I also called both of the XXXX numbers affiliated with serve ( XXXX & XXXX ) on these dates and they do not recognize my Social Security number so I am not able to request a password reset that way either. My statement reminders come in a no-reply email and there is no contact email for the company anywhere on the Internet ; neither is there any chat option. I have been unable to reach them for a year and I want to close the account. I DO NOT WANT this card/account. I am unable to reach anyone to cancel. Can not access a person/option via phone, no online chat available, no email available. I want to cancel and be refunded any money I loaded onto the card when I purchased it.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: American Express has been giving me the run around, lying about who I am speaking too, has not given any customer service to help mend the problems I have had that has drastically impeded my business. I reached out to the executive team to be met with a false promise to correct the issues no phone call directly from them and still more of the same. Silence. I would tell my story to the customer service rep only to be transferred around and around and around and around around. Even then, nobody knew why I was calling so I would have to start from scratch. My American Express limit was drastically reduced during Covid for no reason. I pay my bills on time, in excellent standing since 2001. They needed paperwork I could not get too due to covid in which case they lowered my limit which hurt my business credit needs. I called many times and to no avail. Just given run around. I then appealed claim in XXXX which they said would be addressed within 10-14 days which they have not done anything with. I sent in all information, bank statements tax returns and no contact. They did not even know where the paperwork was. Then they said they found the paperwork but I needed to submit it again so it is more current. This also took me time and finance to pay my controller to get all that together. I would try and use my card and spent literally 4 hours a day trying to get the fraud flags off my card. Which meant every time I charged my card it would be declined. Declined, declined. I called and asked to speak to supervisors they would pretend to be a supervisor and then when I asked for their name and title they said they were not supervisor level. They have given me the run around about two major issues with no direct resolve. I emailed the head of fraud and credit and that was left on deaf ears. They have critically hurt my business, I have taken tremendous painstaking time to resolve issues to no avail. I have had to cancel meetings to handle these issues to no avail. Lenders aren't required to notify cardholders regarding credit limit decreases unless the reason for the decrease was based on adverse information on a credit report. They had zero reason to decrease limit and did it during a time we were on lockdown. They lied, gave me the run around, have put me through the ringer both financially and through my time devoted to resolving this issue. I want my credit limit reinstated, I want to have better service and interest fees waived as well as membership fees. I find it interesting how credit card companies want to hear back from you when they need payment ( in general ) but when we have serious issues that impede our business they do nothing but give the run around. Please help me as I have tried for the last 9 months to straighten this out. There is no accountability and then to make matters worse I spent 20+ hours trying to use my card charge by charge just last week that is not including the many many hours upon hours spent trying to get someone to listen. American Express should be ashamed of themselves and their claim of being customer service oriented. Thank you in advance,
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: As a business owner a buy American Express Business prepaid cards for gifting. My father is XXXX of my empoyees and I gifted him America Expess prepaid XXXX dollar card for XXXX XXXX. He did not have a chance to use the card right away and decided to use it in XXXX for my Mom 's Birthday. He checked the balance online and all funds from the card we used up by someone who got internal access to the card and used it on XXXX purchases on XX/XX/XXXX and XX/XX/XXXX leaving only XXXX cent. The card was never lost or stolen and always in my Father 's possession. We called American Express and XXXX and they did not offer us any resolution or refund of the depleted funds. The card is being advertised as very secure with monitoring of fraudulent activity which is not the case and my Dad and I feel a victim of a deceptive advertisement and business practice from AMEX for selling defective unsecure product is a form of American Express Bussiness Gift Cards.
Company Response:
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have 2 American Express credit cards. I downgraded these credit cards on XX/XX/2022. While downgrading, I contacted the bank over instant chat. I asked the customer care professional if there is any impact to the rewards or a penalty if I downgrade the cards. The customer care professional confirmed that there would not be any impact to the rewards. I then gave my consent to downgrade the cards. After a couple of days, AMEX put a bonus reversal charge of {$150.00} each on both the credit cards. I have tried to get in touch with AMEX several times for this. They mentioned that since I downgraded the card within 1 year that is why the bonus was reverted. At that same time they have also accepted the fact that their customer care professional provided incorrect information that the rewards are not affected with the downgrade. I requested them to rollback the entire thing, that is upgrade the cards back to what they were and also put the bonus back. They have opened an internal case on XX/XX/2022 but till today there is no update. Each time I follow up for an update, they ask me to come back after 6-8 weeks.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Amex has pulled my report without my consent. I called and sent them a letter informing them about the issue. The representative told me he couldn't find my ssn in the system and that they never pulled anything but it's on my reports not once but twice.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
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: In XX/XX/XXXX, I booked a refundable flight using my American Express credit card via the American Express Travel dashboard on their website the next day I called for a refund ( inline with policy noted on original receipt ) the agent was unable to help me due to the airline not being open during these hours. Over the course of 4 months they have changed their travel policy ( attached ). In XX/XX/XXXX, they granted an airline credit ( previously policy would dictate that it is an American Express Travel credit ). In XX/XX/XXXX I requested that this be change to a full refund or American Express Travel credit. They rebooked the flight without my permission and removed the provided travel credit. XX/XX/XXXX - Booked flight via American Express Travel website using American Express Platinum Card XX/XX/XXXX - Called American Express to cancel flight ( listed as option on receipt ) they were unable to cancel flight as it was not during the airlines business hours. ( Air XXXX XXXX ) XX/XX/XXXX - Opened request online to cancel flight for refund or travel credit - they were unable to locate reservation XX/XX/XXXX - American Express provided Airline Credit for trip XX/XX/XXXX - American Express would denied airline credit or refund for trip that they had already cancelled and provided an airline credit for.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A