Date Received: 2022-10-28
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XXXX I received an invitation from American Express to upgrade my existing account to a new card with better benefits. I called the number on the invitation and was routed to XXXX. The rep who spoke with a heavy accent asked many personal questions in order to set up the new account. After about 15 minutes the rep asked if I wanted an additional card for my wife. My wife said yes so we answered more questions. I asked if my wife 's credit would show an inquiry and the rep said no. After another 5 to 10 minutes the rep said my wife was approved. I asked when we will receive our cards and he stated only my wife is getting a card. I asked him what is he talking about. He said he did not process my upgrade but did add another card for my wife to my existing account. She already had a card on my existing account. There was clearly a lack of communication. I asked to speak to his superior and was put on hold for over 5 minutes. He came back on the line and said np supervisors were available. I hung up and called a different rep and asked to speak to a supervisor. I was put on hold again for five minutes and then told no one was available. A few hours later I was able to speak to an English-speaking rep in America and told the rep my story. She told me the XXXX rep had not processed my upgrade, the reason for my original call, and had added another card to my existing account. I asked the rep why my wife needs two cards for one account. She said she would cancel the card that was opened in error. What do you think happened? She canceled BOTH of my wife 's cards. So, to recap, not only did they not act on my original request but they canceled all of my wife 's cards on the existing account. I called back and asked for a supervisor to call me to discuss the problem. No one has returned my call from American Express. They also put an inquiry on my wife 's credit report after telling me it would not be affected since it was my account and I would be responsible for the charges.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My Amex card. On XX/XX/2022 i accepted and Amex offer for purchasing XXXX, i purchased it for {$100.00}, Amex was supposed to give me a 40 % refund but instead said they would not because i went through a third party for payment XXXX XXXX XXXX ). even though XXXXXXXX XXXX goes to my Amex card and i paid the total amount charged to my card. i called Amex to complain and file a complaint, they would not take the complaint and said they thanked me for my feedback. it took over 30 minutes to convince them to file a complaint, and they wouldnt even give me a complaint number until i raised issue with it. They were trying to tell me it was feedback not a complaint. complaint number XXXX, if this is an actual complaint number for all i know the manager/supervisor may have just made it up to get me off the phone. i claim misleading advertising because Amex should have provided a link that allows you to pay them directly, it does not.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
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 have been seeing this American Express card on my credit report and I have contacted American Express numerous times to let them know this isn't my card. I never had that American Express card, I was sent one which I returned. Another card was issued in my name which I never had. I asked them for a wet ink copy of the contract application for the card and they have not repied. This has hurt my credit immensely and I tried to resovle the issue but to no avail. Iwould like this erroneous and fruadulent item off my credit report.
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/2022, I signed up for a new American Express card with an introductory promotion of {$350.00} statement credit after {$3000.00} purchase within the first 6 month. I met the criteria to receive statement credit and was awarded {$350.00} statement credit within 3 months. I decided to go with a better everyday charge card that was more suited for my spending habits with better benefits. In late XXXX, I close the account to avoid paying the annual fee knowing that I would not be keeping the card long term. The account was closed with XXXX balance. American Express, later added a {$350.00} ( statement credit ) charge to the account because the account was not active for 12 months before being closed. Apparently it was listed under the terms and agreement. This was listed in the finest print, not under the PromotionaXXXX terms but under the Annual fee which I find very deceptive. An annual fee which is waved the first year but if you cancel your account within the first year you are XXXX a fee of {$350.00}. even though they can uncancelled the card and reinstate the account, American Express refuses to remove the charge.
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I've had the Amex XXXX Card account for about XXXX years. I have my Social Security check direct deposit with Amex XXXXAmerican Express XXXX XXXX XXXX I am being charged XXXX through an in-network ATM for an invalid PIN and or ATM Decline. I was not advised of such a penalty when establishing this account. I am requesting a {$36.00} refund. XXXX XXXX XXXX XXXX XXXX was used on these transactions.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I had 11 withdrawals made at a XXXX XXXX ATM. Someone was able to skim my card and American Express Serve refuses to acknowledge and refund the transactions. I've filed a police report and have sent them supporting documents showing that I was at work when the transactions occurred. They refused to get a subpoena to access video footage. This has been going on since XX/XX/XXXX. They said there " investigators '' determined there was no fraud but no one knows who took money from my account.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires AMEX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a superior credit score of XXXX. I have had XXXX lates in XXXX years, and my debt-to-income ratio is below XXXX XXXX, so I am certainly not a low life. On average the other credit cards I have are between XXXX XXXX XXXX %. In the last XXXX months, I don't run a balance with American Express because they were already charging me XXXX XXXX XXXX. Last month I was paying XXXX XXXX and this month with a XXXX balance THEY RAISED IT! Now I'm being charged a usury rate of XXXX XXXX? Are they loansharks? Is this allowed? What is the maximum amount they can charge? Or they have no limit? Are they allowed to abuse people like this for no economic reason? Is my only only choice just to avoid them and seek another alternative? I've been paying off my balance every month so I never let them charge me another dime, but it just seems wrong. And yes I called today, and " XXXX, '' said my account was reviewed in XXXX, and there was nothing he could do. I think this is unacceptable to do to people when you're getting the money for XXXX XXXX and changing me XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: AMEX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency AMEX
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: i openned an account at american express serve prepaid card adn had no activity and on XX/XX/2022 had a direct deposit of XXXX and recieved an email stating due to activity my account was closed because i violated customer agreement with activity date available was XX/XX/XXXX customer service phone number XXXX Transaction ID XXXX serve account card number XXXX XXXX XXXX i have been unable to resolve this with american express serve and feel that i was robbed and american express serve refuses to return my money after several attempts to reach customer service american express serve stated if i wanted to file a letter of indemity i can file a claim. i feel i shouldnt have to file a letter of indemity and simply get a check mailed to my home address mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mass XXXX
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A