Date Received: 2022-08-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an extension of credit on XX/XX/2022 and received an adverse action letter stating I was denied. American Express stated in the attached letter the reasons for their decision was based on items that were on my XXXX credit report. I did not give them written permission for them to access my credit report. Company procedure does not supersede federal law. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that they committed fraud and used my credit card ( social security card ) without my authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: was given a {$100.00} American Express gift card last XXXX and was holding on to it to spend on occasion. my daughter tried to use it to buy some clothes and the card was denied I called American Express and they said a previous purchase had been made with the card for XXXX XX/XX/2022 at a store in Texas called XXXX. I called the store and they said they've been getting calls all the time for the same thing and they thought I was trying to scam them. they said they weren't even open XX/XX/2022.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Certified Mail # : XXXX XXXX AMERICAN EXPRESS has discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. AMERICAN EXPRESS has provided the reasons for discrimination against me which includes my credit score. Based on AMERICAN EXPRESS 's and the Consumer Reporting Agency policies my credit score is insufficient to deny my credit approval. Im extending my credit to AMERICAN EXPRESS.
Company Response:
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In late XX/XX/2022, my friend referred me for American Express XXXX XXXX XXXX credit card and I was offered with a welcome bonus of XXXX XXXX ( my friend witnessed it ) if I can spend {$3000.00} in 3 months. However I still have not received the welcome bonus after I have spent more than {$3000.00} in 3 months. My friend has already received the referral bonus. I chatted with American Express Customer Services via the chat portal couple of times and they gave me conflicting responses ( can share screenshot if needed ). " Thank you for sharing this with me, let me quickly check it for you. The offer was - Card Members who apply through this offer and are approved for the XXXX XXXX XXXX American Express XXXX can earn XXXX Bonus miles after spending {$3000.00} or more in eligible purchases are made on the Card within the first 3 months of Card Membership. '' and then they told me my welcome offer was declined. They opened a case to investigate this and told me to wait for 6-8 weeks. After 6 weeks of waiting, I checked in with them and they told me 'After the review. Our specialist has advised that the Welcome offer was removed from your account and there is also a note here that the welcome bonus is declined. I do know that you have been offered the welcome offer once you have opened the account. ' They stated that I was offered with a welcome bonus then declined the offer without notifying me. I never receive any email or other notification tool that the welcome bonus was declined. When I applied for the card, my friend was with me and she also saw that the I was offered with the welcome bonus. I am questioning these conflicting statements American Express made and want American Express to give some proof and have a third party firm for audit. If American Express can not answer these conflicting statements, American Express will need to add these XXXX XXXX to my account.
Company Response:
State: MN
Zip: 55426
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: American Express Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an American Express card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts American Express XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: American Express incorrectly calculated the amount basis for interest charged on my XXXX Card. The amount carried forward from my XX/XX/2022 statement to my XX/XX/2022 statement was {$3500.00}, however I was charged interest on {$5400.00}. With an interest rate of 20.49 %, this resulted in an interest charge of {$94.00}. The correct interest charge should have been {$61.00}. I called AMEX customer support at approximately XXXXXXXX XXXX on XX/XX/XXXX to dispute the charge. The customer support representative could not identify why I was being charged interest off of this amount and escalated the case with her management. As of writing, the case is still currently pending resolution with AMEX management ; however, the issue is not whether or not AMEX will correct the problem in this instance. The issue is that the interest calculation process is clearly automated, and this may be indicative of a serious issue with the way that AMEX calculates interest. If customers are not reviewing their interest charges monthly, it's likely they are unaware that they are being overcharged for interest. And even if they are, it's costly in time on the part of the customer to call AMEX for resolution.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have American Express Purchase Protection benefit. I filed a claim on XX/XX/22 and uploaded documents XX/XX/22. I called on XX/XX/22 to note I didn't have the delivery date. From XX/XX/22 to XX/XX/22 I called several times to check on claim. Only to be advised it was being processed. On XX/XX/22 I called again to be advised they needed the delivery date. I immediately uploaded it. On XX/XX/22 I have received no phone calls, no emails or written mail in regards to my claim. I called and was told it denied. I was told the processing time was 21 days. I asked why it was denied and was not given a reason, only I could send is in a dispute. I asked to speak to a supervisor. I was on hold for 24 minutes to have the Customer Service say he could not hear me and disconnected my call. I called right back and got the same person. He said he tried to call me back with a phone number that is not my number nor has ever been in my profile. I was on hold for an additional 26 minutes and spoke to a supervisor only to be told my claim was denied because it was 93 calendar days, 3 days over the time period. After this ordeal and very upset at the process I chatted with American Express and asked for a email to send a written complaint. They gave me a address to mail complaints. I googled the address and it showed permanently closed. I chatted again explaining they gave me a wrong address. The only resolution I received was an apology for the problem. I feel this is totally unprofessional, frustrating and discourages customers to complete the process.
Company Response:
State: UT
Zip: 84107
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, I am here to clarify my role when it comes to credit. As far as I am aware, I have the right to credit. I filled out an application with AMERICAN EXPRESS and I was denied my right to credit. This is a form of discrimination as clearly defined under the Equal credit opportunity act. My credit report was pulled without my consent, and under federal law credit scores are not a factor in the extension of credit. CFPB even put an article out stating that credit reporting was optional. So to proceed with adverse actions against me solely on my credit report is a violation of my rights and Discrimination. For the violations, a consumer may proceed to litigation and file a civil complaint for actual damages. This discrimination is a defamation of my character and my rights to privacy.
Company Response:
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: American Express account customer for 23 years. Offered a Platinum American Express product through my online account. Card and details sent to my secondary address for consideration. Never activated card and refused offer. American Express charged the account an annual {$690.00} fee. I spoke with customer service explaining that I did not agree to the account terms and did not want the account, that's why I never activated the card and obviously never made any charges to the account because I had no intention of using the product. I was told that I would be charged the annual fee for the card and owed the {$690.00} fee regardless. I explained that I was and never intended to use the product and that my inactivity and lack of card activation revealed my intentions. Because 30 days had expired, they explained I missed the window to reject the offer. I never agreed to the card in the first place, and after 30 days of not activating the card, that should be an indication of my intention to not use the service. This also provides protection for the consumer.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On or about XX/XX/2022, i received an email from American Express for a XXXX card offer with a bonus of XXXX miles, if I charged {$3000.00} in the first 90 days. I already have a gold card with Amex and the new offer was because Im a customer in good standing. I clicked on the apply Now button, was immediately approved. 2 days later I received notification card was delivered. I hadnt received it, was unable to freeze it so no one could use it. I called customer service, the representative froze it on my behalf and answered my inquiries about the miles, when, how much and so on. I finally got the card 2 days later as it was delivered in error to another address. I immediately used the card to purchase several items, spent {$2500.00} and researched my account to see exactly how much was needed for me to reach the {$3000.00} amount required for the miles. I found nothing. The sign-up offer disappeared. I called and a representative told me, the offer was canceled. He didnt know why, when, or how. I kept all emails as is my practice and found no mention of the offer being withdrawn. I sent a complaint by email to the Executive Team. XXXX with the executive team called me this morning. He insisted that their system has a pop-up which tells the applicant the offer does not apply. He couldnt produce such pop-up and said if I produced a subpoena he would then do it. I asked to escalate and he arrogantly responded that he was the highest authority. And nay the CEO is above him. I asked him to send me a letter reiterating what he said. He refused to do that too because the Executive Team does not do that. My credit rating is XXXX and my cards are paid in full monthly. There would be no reason for me to apply for a credit card which has a {$250.00} annual fee except for the miles offered.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A