Date Received: 2022-08-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My family had individual credit cards under business name with my father as the head of the account for XXXX years. It happened to be the only card I used as I was accumulating points. When my father had his first XXXX XXXX years ago we thought it best that I become the in charge of the account. We called Amex to find out the steps to make this change. This required a verbal consent on the phone, as well as signing papers that were provided to us. We did everything they told us to do. Fast forward to 2021, my father XXXX XXXX. Within a month I was doing a transaction and the credit card was declined. Without any communication to me they closed the card having been notified of my XXXX XXXX XXXX. They also took all my close to XXXX points away. When I called they were incredibly hostile and rude. They told me to write a request for my points with a detailed explanation. It was declined. They conveniently have no record of any changes to the account XXXX. We have tried numerous times and now they state it is too late. Isn't that convenient as well? I would like my points that I earned only using their card for that specific reason, to get points.
Company Response:
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been unable to access my American Express account for over 3 months due to a login issue where I can't get past the two factor authentication because they have the incorrect email listed ( which has been deactivated ). I have verified with them that I am the account owner and have shared the correct email address multiple times, but despite having called American Express every 10 days for over 2 months ( spending over 7 total hours on the phone ), the issue is still not resolved and I still can not access my account. I am unable to see my statements, current charges, manage my payments, activate offers, or interact with my account in any way. There could be fraudulent charges, and I don't have any way of seeing them. My account is on auto pay, and I'm unable to see what I'm paying for. They don't have any physical locations, so this online account is the only way I'm able to access any information related to my services. The last time I spoke to someone was on XX/XX/2022 and they said the issue would be resolved in the next few days. It is now XX/XX/XXXX and I still can't access my account. I have a ticket open with their digital team and they've confirmed it's a bug ( aka it is not my fault ) - a ticket is open with the ticket ID XXXX. I pay an annual fee of {$250.00} for this credit card. Can someone please help?
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a XXXX XXXX XXXX card with American Express. I had understood there to be no annual fee. This was fine for 1-2 years, but then ( according to Am Express ) my " grace period '' expired. On/about XX/XX/2022 I was assessed a {$95.00} fee. I don't regularly use credit cards, and believe I did not receive a statement in the mail saying I had been assessed a fee. On XX/XX/2022 I learned of the fee when checking the junk mail of my email. I tried disputing it online and was unable to get the " person '' on the chat to talk about the fee. I called them at the number on the website ( XXXX ). I spoke with customer service for about XXXX XXXX. I explained my understanding to have been that this card did not have an annual fee. I asked for them to waive the fee and change me to a free card. They refused to do this. They explained that Am Express " wasn't allowed '' to do it because it was >30 days old. I asked for the name of the company regulator, and they refused to tell me what regulator I could use to determine if I was required to pay it. I'm hoping CFPB is the right one.
Company Response:
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX American Express XXXX Card Credit Balance : {$24000.00} Account number ending - XXXX Obligor has not received any refunds for credit balances for this account. I have reasonable cause to believe that I have been induced into an adhesion contract with extortionate terms I would never agree to. American Express has breached their fiduciary duty by engaging in unlawful extortionate means in a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce. American Express has jeopardized my the consumer credit reputation to coerce payment of this extension of credit and punish me for the nonrepayment thereof. This constitutes unauthorized use of a credit card and violates TILA, FCRA, GLBA, CFPA, FTC Act, The Sherman Antitrust act and The RICO Act. I would never knowingly consent to any conditions or provisions that would allow American Express to engage in embezzlement and aggravated identity theft. I disaffirm any alleged agreement or contract, whether implied or explicit, with American Express. Any payments made to this account were a result of threat, duress, and coercion due to undue influence. I have never agreed to any of these terms if I knew I had a choice. I have reason to believe, American Express XXXX XXXX XXXX XXXX XXXX This account is a billing error. Provide documentary evidence of the obligor 's indebtedness to American Express.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On my American Express XXXX XXXX credit card account I have a promotional XXXX XXXX XXXX for purchases that is good through XX/XX/22. On my XX/XX/22 statement I noticed under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$35.00}. On XX/XX/22 I called American Express customer service to inquire why there was an interest charge on the account given the existing promotional XXXX XXXX XXXX on the account. I was informed that this was interest on the XX/XX/22 XXXX XXXX XXXX charge of {$45.00} as this was not considered a purchase. I asked the representative that if I paid an amount on my account that day that covered the charge for the annual fee would that payment be applied to the highest interest rate balance as I understood was the legal requirement for consumer credit cards and therefore would interest accumulation on that amount stop after the payment was made. The representative indicated yes to my inquiries. So on XX/XX/22 I made a payment of {$50.00} to my AmEx account. However, on my XX/XX/22 statement on my account I noticed that there was under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$36.00}. Both of these amounts were higher than on the XX/XX/22 statement though I had paid {$50.00} on XX/XX/22 to pay off the Balance Subject to Interest Rate and told my payment would go to this part of my balance first. Since I have talked to AmEx customer service and they have reversed both interest charges on my account. However, I am submitting this complaint because I would like to know if AmEx is following the legal requirements about how payments are to be applied on consumer credit card accounts. My experience in this situation leads me to believe that they are not. I would like an investigation into AmEx practices in regards to this and determination if they are complying with the relevant consumer financial protection rules and laws. I am not interested in a response to my personal situation as AmEx has reversed the interest charges. I want to know if the interest charges put on my account by AmEx were valid and legal.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by XXXX XXXX XXXX on XX/XX/2022, and the 3rd inquiry was made by American Express on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. I can't understand then who made those 3 inquiries and why it's reflected on my account.
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX notified me in the spring of XXXX that they had taken on my account from American Express National Bank. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX XXXX and survival of XXXX with complications. I offered XXXX and XXXX a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that XXXX had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for XXXX via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. This complaint is due to the fact they XXXX and XXXX filed a lawsuit against me to serve judgement for the debt I own to AMEX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: AMEX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. XXXX XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Good Afternoon Sir or Madam, I need some help battling Amex. Amex has charged me a fee " residual balance fee '' after I have paid my outstanding statement balance in full before the due date. Amex said it is a " residual balance fee '' which is NOT disclosed anywhere on the account agreement/disclosures. Not sure how many more consumers/debtors are being charged this bogus fee, but this needs to be investigated and brought to light. Amex account disclosure can be viewed here : XXXX XXXX XXXXXXXX I am available to discuss this matter any time. Please call me at XXXX? Thank you! XXXX
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: complaint # 1 : I closed my AMEX Hilton Honor account awhile ago because of the following poor service/amex employees lying/ and false information they saved to AMEX erp systems. Before I closed my account, I initially called to ask that the " close '' date to be changed to a certain date of each month. the customer service agent said not that the date requested of the XXXX but said could change it to the XXXX of each month. I agreed. However, I could tell soonafter that the " close date ' of my account enting in XXXX was changed to something else by logging into my account on amex 's credit card owner portal. I called AMEX again and the agent apologized for AMEX 's error. The agent confirmed to me the " close '' date for the account would be changed to the XXXX and admitted to and apologized for Amex 's error. I could tell soon later though that the close date was changed to something else by logging into my account on amex 's credit card owner portal. I called again and the agent apologized for AMEx 's error and promised the 'close date '' of my amex account would be changed to the XXXX of each month. but again when I went onto AMex 's portal for account holders the same error was being made and the 'close date ' of my amex account was not changed to the XXXX of each month! I went thru this 4 or 5 times. in the FINAL call back I made to amex, the amex agent stated the records showed in error andstated perjurious information that I agreed to the 1st of each month which is a total LIE!!!!!!!!!! So out of anger and frustration I closed the account. I strongly believe this aggravation by Amex, AMEx employee 's lying, and Amex employees intentionally entering false information may be because of financial inducement and/or other criminal activities done and/or threatened to amex employees by criminals who are targeting me, my home and all my other properties I own.
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A