Date Received: 2022-08-09
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 XXXX XXXX XXXX purchased a timeshare on XX/XX/2022, with XXXX XXXX at their XXXX XXXX XXXX. Prior to this purchase, the account with American Express did not exist. The sales staff pressured me to apply for the credit card and then charged the full amount to this account for the vacation interest in the amount of {$12000.00}. The sales representatives insisted that I apply for this account even though I would have preferred to not use a new account. They also insisted that the full amount be placed on the card to cover the cost of the contract purchase with XXXX. I later discovered that the vacation interest is nothing like what was told to me at the sales presentation. We were advised verbally, and they visually demonstrated to us that the Resorts would only cost a certain amount of points which was a lot lower than the points would actually cost. Due to the misrepresentations made by XXXX 's sales reps and the pressure placed on me to apply for this American Express account I am disputing the full amount that was charged to this card on XXXX XXXX in the amount of {$12000.00}. Please note the amount for the contract that was charged to the American Express was more than 50 % of the total cost associated with the interest.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/2022 Opened American Express Platinum XX/XX/2022 Submitted Hilton Honors membership number for the advertised Hilton Gold Benefit XX/XX/2022 Hilton Gold status did not post to my Hilton account XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution, spoke with XXXX XXXX XX/XX/2022 Contacted Hilton through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution, conference call with XXXX XXXX XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Charged {$690.00} Membership fee , I paid it in full XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay , no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Case with XXXX XX/XX/2022 Supervisor XXXX XXXX reviewed XX/XX/2022 XXXX XXXX reviewed case XX/XX/2022 XXXX spoke with 1 hr Many more calls were made but the dates are not available. In the date range of XX/XX/2022 - XX/XX/2022 I called Amex 29 times. To date ( XX/XX/2022 ) Amex has consistently maintained that some " technical team '' is working on the issue and that the issue will be resolved in 3-5 business days. They have been saying this for a month now. During the period of XX/XX/2022 to XX/XX/2022 Amex consistently told me that they would call me within a 24-48 hour period. They never called me during this entire month long period and I had to constantly call Amex looking for an update over and over. On XX/XX/2022 I called Amex and was told that even though they acknowledge that they did not provide me with the advertised and promised Hilton benefit that they would not be compensating me. I spoke with the associate named XXXX. To be absolutely clear and summarize this. I paid {$690.00} for the membership fee for this card. I signed up with the understanding that I would be able to use ALL of the benefits provided by this card. Amex lied and did not provide me with the benefits of the card. They acknowledge that they did not provide the benefits of the card, and I even spoke with numerous reps that told me that compensation would be provided. There are chat recordings and phone recordings. Even with these admissions, Amex refuses to compensate me for their mistake. On top of all this, I have had to call Amex in total over 50 times during the XX/XX/2022 to XX/XX/2022 period. I have spent well over 24 hours on hold and speaking with Amex. The customer experience has been HORRIBLE. Amex keeps lying to me and saying that they will call me back and never do over the entire 2 month period.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: AS OF XXXX XXXX HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH AMERICAN EXPRESS REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Funds in the amount of {$440.00} transferred to my external account ending in XXXX on XXXX, the transaction does not currently show in process or in completed transactions, screen shot taken from today, XXXX is attached to this complaint. I've checked with XXXX, external account, the funds are not showing as deposited as of yet, appears to be a delay as is evident in fact as transaction does not show in pending or completed. I've spoken with XXXX, they do not see funds in pending status on their side, advised me to contact the sender, which is Bluebird, appears to be an error on their end
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I receive benefits for XXXX on a monthly basis and I have benen a customer of XXXX with my financial institute. As explained and documented, I am a victim of stalking and identity theft which has been reported and investigated by law enforcement ; although confirmed and communicated with my institution ; protection from my account being controlled, intetcepted, of accommadated by the bank has not been provided. My account has been locked, the inability to transfer funds has been placed on the account, measures to view or secure my account is being prevented, access to such needed funds that I use for my monthly neccessities have been prevented from being retrieved. The bank is refusing to acknowledge the circumstances and they refuse to remove restrictions while hendering my ability to make further transactions on the account.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX I noticed a {$57.00} charge on my Amex Gold Card bill labeled as an interest charge for Pay Over Time Purchases. Since I have not created a Pay Over Time purchase plan since the year XXXX ( and that plan was long since paid in full ), I knew this was a mistake, so I called customer service to dispute the charge. It turns out that, in XX/XX/XXXX, Amex automatically enrolled all Gold ( and Green and Platinum ) cardholders in the POT program. The customer service rep told me that they had activated our POT and set it for " all eligible purchases over {$0.00}. '' She said Amex must have sent us an email notification of the change ; if they did, we did not receive it or see it. Digging deeper, I found that my account has actually been charged {$780.00} in POT interest charges since XX/XX/XXXX, for POT charges I was unaware of. We have always intended to pay our account balance in full each month, and thought we were. This is why we have Amex, to avoid the high interest rates of other credit cards. Yes, there is always a discrepancy in the current statement balance and the total statement balancewhat is owed on the current statement vs that balance + the most recent charges. I did not realize that POT charges were accruing in that total balance bucket. There is not one single tab or button or link anywhere on my account manager dashboard that points to Pay Over Time charges or settings. The words Pay Over Time exist nowhere in the dashboard, not even in the Payments section. Today ( XXXX XXXX, XXXX ) when I became aware of the issue, I entered Pay Over Time into the search bar on Amex 's site via my dashboard and finally got a link to Manage My POT Settings. I clicked this, and got an error screen : " Pay Over Time is currently not available. '' There is no option to see anything to do with POT charges on my account nor to deactivate it or to manage any settings whatsoever. I requested a full refund from Amex. The customer service agent refunded the last two charges over 60 days and deactivated POT on our account. She said they would open an investigation to review the account and see about refunding the charges, however i am skeptical I will hear anything. I want this to be on the record. I want Amex to be accountable for what is obviously an opaque and misleading billing practice.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: American Express began offering 3 % Cashback on their XXXX XXXX XXXX card this month, and of course it wouldn't be Amex without issues and gimmicks. My first purchase at XXXX already hasn't been properly credited and all I get is excuses from their chat support
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was having issues with my current Amex card and received an offer for a new one. I did not realize it was an upgraded card. I was a customer for over 20 years. When I called Amex wanting to actually upgrade my card, I was told I wasn't eligible for new customer offers, so I requested to cancel. Support agent stated I would forfeit existing offers. I asked him which ones and he stated cash back. I received a reversal of {$150.00} credit that I didn't know I had previously received. I checked my email and the terms of 1 year were at the very bottom and similar gray color of the background. When I called to question the charge, I was told it would be investigated, but was required to zero out my balance or face credit ding. When I called back 2 months later, I was informed the issue was closed with no notes.
Company Response:
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2022 I was approved for the American Express XXXX XXXX card. I only applied for this card as it provided 0 % APR for 15 months AND an option for balance transfers ( see Rate & Fee document attached ). Upon inquiring with AMEX MULTIPLE times I was given many different answers 1. AMEX doesnt do ANY balance transfers ( yet theres a balance transfer section when looking for new credit cards on the AMEX website ) 2. You can transfer your balance from another AMEX, but outside transfers arent allowed 3. The XXXX XXXX card allows balance transfers. I could do a lateral change to that card, but it wouldnt be a new account so I wouldnt have a balance transfer promotion. I can not believe how uninformed the AMEX staff is. I also agreed to documents stating I could do a balance transfer for a 3 % or {$5.00} fee. Now Im stuck with a new credit line and inquiry on my credit report thats rendering me USELESS.
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A