Date Received: 2023-12-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: These XXXX cards are declined online I call AMEX customer service and they can not offer XXXX XXXX resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer XXXX XXXX to a physical card. They can not offer me a XXXX. They falsely advertise that their gift cards can be used XXXX that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their card. My money is inaccessible.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I received a solicitation from American Express to add an Authorized user to my existing Platinum account and upon spending {$2000.00} on the Authorized users account, I would receive XXXX bonus points. I followed the instructions and added my son. We subsequently made the required purchases on his card and waited for the bonus. On XXXX I reached out to American Express via chat and they noted the information, stating they would research it and inform of a resolution. I provided the the solicitation email information ( I still have the solicitation ) and was told it could take up to 90 days to resolve. I reached out in late XXXX and was told they were still researching it. Since it wasn't beyond the 90 days, I accepted this and decided to follow up post 90 days. On XX/XX/XXXX ( well beyond the 90 days ) I again chatted with AMEX to follow up on my request. I was told the information I provided from the email did not allow for the bonus. The rep advised they would reopen the request and that it would take an additional 10 - 14 days. Amex was deceptive in with this solicitation as I followed all requirements outlined in the solicitation, which I still have. I'm extremely disappointed in this discriminatory bait and switch tactic that AMEX used.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a purchase or transfer
Subissue: Overcharged for a purchase or transfer you did make with the card
Consumer Complaint: On XX/XX/XXXXXXXX after purchasing a plane ticket to XXXX, I decided to purchase XXXX XXXX XXXX XXXX XXXXXXXX hat. At the time, I was using an American Express Serve prepaid card due to the XXXX XXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX, had caused me. When I submitted the order, the processing stage took a little longer than usual, but the order went through, I received the confirmation email, and the money was deducted from my account. I charged twice, and someone pretending to be playing a video game, typed a code that allowed them to steal {$36.00}, receive my order, and but, {$0.00} HOLD. Then they took the cyber online shopping crime a step further by DEACTIVATING " Track your order. '' When I go to Track my Order, it only reflects RECEIVED. It's been like that since XX/XX/XXXX. My sixth sense says XXXX ended up with my hat. The hat was at his office. He didn't pay for it. I did. He and his clones typed a code to cause this problem. If my order was indeed cancelled, XXXX XXXX XXXX 's tracker would have said so, and it still hasn't, XXXX. I just checked it again. ( see images ). In conclusion, I told XXXX to mail me a hat and place it in my box or refund me the money {$18.00} x 2 = {$36.00}. Today I checked my Serve account online again, the balance says {$0.00} and the transaction line that reflected XXXX is missing. Who is at fault here? XXXX XXXX XXXX XXXX for allowing the XXXX XXXX to be all up my business XXXX playing " video games '' that XXXX XXXX online shopping orders, American Express Serve for allowing the online ledger to be tampered? The mail clerk for allowing mail theft to take place? Or everyone? Bottom line, I need to see {$36.00} in my account ( dummy account ) or a XXXX XXXX Hat in my box by the time I return to XXXX XXXX XXXX Please have XXXX decide. The transaction was reversed due to the video game they were quote on quote playing " innocently. '' Please. Again, {$36.00} or mail me a hat. Thank You, XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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: Charged on my American Express for purchase I dont make XX/XX/XXXX XXXX dollars purchases. XX/XX/2023 XXXX dollars
Company Response:
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/, I had gotten approved for the American Express Delta Card. I had been receiving countless advertisements in email getting me to apply. I finally gave in. I have a good FICO standing and I've never taken advantage of Amex 's promotional offers so i thought why not, surely i would be approved and if not, they would let me know. When i applied online, all i recall was a note asking me if i give approval to submit my SSN info and let Amex run my credit check. I said yes. I get an email that i was approved for my card so naturally I assumed that also meant that the promotional offer of 75K points with Delta would be a part of this approval. I later even went the extent of cancelling a charge and charging it on my Amex to meet the requirements ( spend X amount in 3 months ) I had gone through quite a bit of trouble to do this. After 6 weeks or so, I called Amex customer service asking about the ETA of my miles/points. They told me that it will be coming soon. I subsequently followed up a few more times and i was told the same, that it was coming soon, that it could take up to 12 weeks. So i waited patiently. I had no reason to doubt i was getting it because even their own customer service did not see that i was not approved. Then finally after 12 weeks had passed, i called again, they escalated the matter only to find out that i was not approved. This was after 5+ attempts and someone during that time could have told me. I was trying to find answers but no one wanted to give me any info until a manager in XXXX XXXX told me that it was because I had applied for the blue cash card when they had a {$200.00} cash promotion ( which i didn't even meet so i didn't get that cash ). I asked why that would be an issue? It was a card that I didn't receive promotion on, it was a card that was a few years ago, it was an entirely different card. I later expressed that they're offering this marketing promotion which naturally attract ppl to apply and there's no secret that ppl would want this bonus. Wasn't the whole point of it to get ppl to apply? If i wasn't approved, then they should have sent an email stating it very clearly that i was not approved for the bonus/promotion. But there was NONE of that. I got a misleading " you've been approved ''. It's shady advertisement. For a company as large as Amex, i was shocked that they couldn't honor this promotion given the situation. I had met the spend within the time and I've never had the card, I'm in good Fico standing. If they look at the cost benefit of just offering a promotion that they were going to give away anyway to keep a customer happy was the least thing they could have done. But i spoke to countless folks at Amex, i was not able to speak to anyone who was in the right dept. I kept getting routed to someone who had no authority over anything. I was in a loop that was not productive and it was a frustrating process. I even ran into a supervisor that was RUDE and cynical and unhelpful. Because of this, I cancelled my Amex Delta card, i even moved some of my savings out of Amex Savings. I was deeply disappointed by the service at Amex, thoroughly disappointed that one of the largest financial institutions would be so stingy and unfair.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought 2 XXXX XXXX Amex Gift Cards for my girlfriend for XXXX and she is unable to use them virtually everywhere. I also tried using them online and in person at numerous locations after she gave them back to me and they were declined everytime no matter where I tried to use them. Amex customer service via phone and online confirms the that they are activated and have a balance of XXXX XXXX on each card, but yet I am unable to get them to work or be accepted anywhere we have tried to use them. Customer service service online gives me the run around and it is near impossible to speak to an agent and when you do get someone they say it should work and they do this to protect my funds.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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: New Information Reply to American Express response dated XXXX. Your letter makes no sense. I am not interested in the history of Amex or XXXX as this has no bearing on my fraud dispute. I am not responsible for services or products that I did not receive especially when you have evidence from XXXX dental reports that states under penalty and perjury that most the dental work charged was not performed and does not exist. On top of this you have also received a copy of California Superior Small Claims Court judgement for the full limit the court can legally give of {$10000.00}. I want a response that is relevant and addresses my letters which i have never received from your Company. I have been an upstanding customer who has paid in full and on time every bill for over 33 years. You may have been around 150 years but are not protecting your loyal customers and instead have sold out to crooked merchants and dont seem to care if its fraudulent or not. I expect the answers to this letter and my last letter. I also expect a phone call back as Ive been promised 7 times via phone. Your lack of service and personal response is showing that American Express is no longer the Great co it used to be. Lastly I also offered to attend your offices and show you that the work stated by the fraudulent dentist XXXX XXXX has not been done. You have refused. It is your duty to investigate with due diligence the charges Im disputing and you are not doing so.
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was given an American Express gift card for XXXX. I have been able to use it, check the funds of it, yet I wasnt able to use it on apps like XXXX or XXXX, and other people have complained about this too. I was only able to use it on XXXX, a digital marketplace, but no other has seemed to take it at all.
Company Response:
State: FL
Zip: 32128
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have an AMEX gift card that still carries the full balance of {$150.00}, but gets declined at every retailer I attempt to use it at.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Have tried to use the pre paid American Express gift card online and at various merchants to ultimately get the card declined every single time. Upon doing research online, have found that this issue is quite common with many people who have been gifted or purchased the American Express Gift Card.
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A