Date Received: 2022-08-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: i was discriminated against when applying for the gold card with American Express, i was denied an extension of credit. not once but twice.
Company Response:
State: TX
Zip: 760XX
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: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for an XXXX XXXX American Express XXXX, the offer said that the welcome bonus is XXXX XXXX bonus points and a free night certificate if i spent {$2000.00} in 3 month. I spent over the spending requirement, and the bonus points wasn't credited to the account. When I called and inquiry they told me at the time of the signup, they told me that i wasn't offered this welcome bonus but my credit card application was approved. This wasn't told me at the time when I signed for the card, and I paid the {$95.00}. Unclear process, very unreasonable and misleading. Since I don't recall I saw that I was declined a signup bonus, since this is the first time I applied for XXXX American Express Credit Card. Also, I paid for the {$95.00} annual fee.
Company Response:
State: CA
Zip: 91106
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 called American Express to request moving {$5000.00} of my credit from my card ending in XXXX to my card ending in XXXX. Instead, the representative did a balance transfer of {$260.00} between my cards. I have since called American Express four separate times and submitted at least three cases ( # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), the latest being an escalation on XX/XX/2022 via customer service supervisor XXXX. In over a month, American Express still has not corrected this unrequested balance transfer. Indeed, the last time the back office saw my case, they sent it back " because there was no credit on the account. '' Or, perhaps it was because on my second call, I did eventually manage to successfully move my credit lines between my two accounts. The letter I received recently states that I am not allowed to move my credit more than once every 30 days. Who knows what the actual reason is? This is unbelievable. American Express altered both my accounts without my consent and now they are not correcting the issue. Tomorrow, I will have to pay an extra {$260.00} out of pocket to my card ending in XXXX and I am furious. I want them to undo the balance transfer immediately and if necessary, refund me {$260.00}. Please note that American Express and I have recorded these conversations and they know full well that I never requested any balance transfer.
Company Response:
State: VA
Zip: XXXXX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: AMERICAN EXPRESS has discriminated against me under 15 USC 1691 the consumer and original creditor proven under 15 USC 1602f by denying my right to credit under 15 USC 1601. AMERICAN EXPRESS has committed Federal Violations against me under 15 USC 1602p and 15 USC 1644 for unauthorized use my credit card to where I receive no benefit. I have exercised my right under 15 USC 6802abc to opt out of their negative reporting. I fell hurt, embarrassed, neglected, depressed and discriminated for the adverse actions and ill will of AMERICAN EXPRESS.
Company Response:
State: CT
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: 2022-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to XXXXXXXX XXXX XXXXXXXX for an American Express debt that I owed. I reached out to XXXXXXXX XXXX XXXX XXXXXXXX collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXXXXXX XXXX direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX XXXX XXXX to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from XXXX informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from AMEX was done. Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact American Express. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. I contacted American Express Fraud department to be transferred to Application services. They confirmed an application was received and approved. American Express has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: American Express has neglected to provide sufficient service for use of my credit card, putting myself at risk while traveling for work. My American Express XXXX XXXX has XXXX available credit and the entire statement balance is paid off for the month. I have never missed a payment on this card. Still, every few days they cut off my card from working and I must be on gold for hours at a time to get access to my credit card. While traveling for work, this has left me sitting outside a parking lot twice this week trying to get access to my card. The issue resolves around the fact that I recently opened a new debit account and changed the payment account on my card. I alerted American Express about this and they changed the payment account ; yet they are still re-charging an account that I told them on multiple occasions to stop charging that has no funds. When the payment " predictably '' doesn't go through, they suspend my card ( despite having already cleared more than the statement balance and having nearly XXXX available credit ). Each time that I do this I am charged fees.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: American Express has done a huge bad impact on my business with their bad reputation by allowing returns & refunds to their customers without the proper verifications methods to comply with the law. In the past year I had lost over XXXX US Dollars for the simple reason that my business has been affected by people with bad financial habits or personal live problems requesting returns for jobs that takes even 10 or more hours to complete with expensive equipment and because American Express customer says they don't like the products they can give XXXX and ever more refunds without sending an inspector to the place to find out the problem like every insurance services will do with their customer when filling a claim American express just apply the rule of giving the refund to their customer giving XXXX of dollars lost not only to me also to many other customers around the country and is time to apply the law and have them to pay me and many other hard-working people money back. No, Person 's money should be taken away without the proper investigation, especially for jobs that have been completed if American Express wants to return money do it from your pocket, not from hard-working people 's money.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a credit card with American Express on XX/XX/XXXX. The offer was for 0 % financing on purchases for XXXX months. After I applied and was approved for the card I receive no notice as to being denied or approved for the promotional interest. I wanted to confirm the terms so I chatted with AE on XXXX XXXX. I reached out several times on chat ( below ) and phone and received XXXX internal dispute confirmation codes : XXXX and XXXX. On XX/XX/XXXX I was charged {$270.00} in interest so that was finally confirmation that they were not giving me the promotional rate. On XX/XX/XXXX I was told to wait XXXX business days for the matter to be reviewed. I waited and received no response. When I chatted with AE on XX/XX/XXXX I elevated my complaint to a XXXX but received no resolution other than more delay tactics. The promotion was XXXX XXXX XXXX XXXX with the offer code # XXXX and the offers were supposed to be the following : ( XXXX ) XXXX XXXX bonus XXXX after spending XXXX in first 3 month period ( XXXX ) {$130.00} XXXX XXXX XXXX XXXX XXXX months ( XXXX ) 0 % APR on purchases for 12 months from date of opening and ( XXXX ) plan it fee 0 % introductory fee on each purchase moved to the plan within first 12 months. NOTE : the offer I received on a mail flyer had the above referenced code. I have since misplaced the original ( but I did receive the same offer again in the mail and email ) The email that I attached below was for the exact same offer but sent to me on XXXX XXXX.
Company Response:
State: NC
Zip: 28532
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A