Date Received: 2022-08-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 my account was closed unlawfully Pursuant to 12 CFR 1002.7 1002.7 Rules concerning extensions of credit. ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. ( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. ( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied credit by Amex in XXXX, XXXX which is unlawful pursuant to XXXX XXXX XXXX To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider The Equal Credit Opportunity Act ( ECOA ) was signed into law in XXXX and prohibits lending discrimination in all aspects of a credit transaction.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2022 I used my American Express card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it their payment processor.
Company Response:
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2022 I used my American Express card at XXXX XXXX XXXX in XXXX, WA. XXXX XXXX XXXX charges a {$0.00} fee on all credit card transactions. The restaurant does not disclose this fee before charging the customer. There is no written notice anywhere in the restaurant and no verbal notice. I asked for a refund of this fee but it was refused.
Company Response:
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Hello, I was given an amex gift card as a donation from a family, I am currently a XXXX XXXX XXXXXXXX XXXX XXXX. This card was addressed " for XXXX XXXX XXXX ''. I spent money from this gift card on school supplies. Someone committed fraud and theft with my card and spent {$750.00}, wiping my account. The inital amount was {$2000.00} and I had spent around XXXX this year. I always had this card on my person. I called the XXXX number on the back of the card. I talked to 2 different representatives and they both quoted me different balances. Initially I had seen a {$0.00} balance, but the next day I saw that it had {$50.00}. I called and the CSR quoted me {$50.00} and said she wanted to lock my account. She said she would send me the {$50.00} but didn't even get my address info. She said I needed to call merchants but locked me out of seeing the transactions. After calling back, I had a different CSR who said he could email my transactions so he took my email, address and phone number. I was given a case #. I've lost a lot of money that was donated for my students. I don't know whether I'll get the list by email or if any help at all. They need to care about their customers and make cards more secure. Someone is stealing gift cards in store or at Amex. Someone needs to care. CSRs should be all giving me the same information not confusing me more. I have attached a screenshot I took yesterday before my account was locked, it sounds like more activities happened and I want an updated transaction list.
Company Response:
State: CA
Zip: 95616
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2022 I used my American Express card at XXXX & XXXX 's XXXX in XXXX, WA. XXXXXXXX XXXX XXXX XXXX XXXX charges a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.
Company Response:
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: American Express corporate card was an account that I had for my XXXX XXXXXXXX. The account was in the name of my XXXX. XXXX XXXX. I was not aware that the could make me personally liable for an account that I had for my XXXX business that I had to close because my XXXX business was shut down for over 1 yr. The aggressive tactics that they used we obscene and I am contacted constantly from the personal legal team. I am not aware of how to handle this situation. The charges that were on my Amex corporate card was for advertising my XXXX business on XXXX prior to Covid-19. I disputed this charge multiple times because I have evidence of cancelling the ad on XXXX. XXXX refused to let the ad charges go so I disputed through my Amex. I was told to eat the charge or my business listing would be redirected or shut down my traffic through the XXXX porthole. I was told by Amex that XXXX is their customer too. So the ads that never ran were put back on my corporate card in the sum of over {$10000.00}. Then everything got shut down due to XXXX. I tried working out a scenario with Amex and I was so distraught and overwhelmed with everything getting shut down. I have been aggressively pursued and harassed by Amex. I should have been protected due to the XXXX XXXX and my LLC. Insurance of XXXX XXXX dollars.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I recently applied for a personal credit card with American Express, and at the time I applied for the card, American Express advertised certain terms and conditions for the card which, immediately after I received the card, American Express stated they could no longer abide by. I relied on the representations made at the time I applied for the card when I decided to apply for the card. I would not have applied for the card but for these representations. In more detail, on XX/XX/XXXX I applied for an American Express XXXX XXXX XXXX personal credit card. The card was advertised on the website XXXX XXXX as one of the best cards to use for balance transfers. I clicked on the hyperlink on the XXXX XXXX website and was brought to an American Express website to review the terms and conditions of the card and to officially apply online. The provision in the terms and conditions that were most of interest to me were that this card offered new card holders a 0 % percent APR on balance transfers ( for balance transfer up to {$3700.00} ) that were made within the first 30 days of opening the card account. On XX/XX/XXXX, I contacted an American Express customer service representative to initiate a balance transfer for {$3700.00}. I reached the customer service representative through the American Express phone app after I had created an account and linked it with my card. At that time I was told I could not request a balance transfer until I had received my physical card in the mail, so I agreed to initiate my request when I received the physical card. On XX/XX/XXXX, I received my physical card in the mail. The paper copy Cardmember Agreement I received as part of this mailing reflects I am eligible for 0 % introductory APR 's on balance transfers through XX/XX/XXXX. Also on XX/XX/XXXX, I reached out again to an American Express customer service representative ( Representative # 1 ) to initiate my balance transfer through the phone app chat. That representative confirmed that I was currently eligible for a 0 % APR on a balance transfer, but when he went to help me initiate the balance transfer, he told me he was missing the " button '' he needed to accept the balance transfer offer. He then advised me to reach out to American Express ' customer service phone line to initiate the balance transfer. Subsequently, also on XX/XX/XXXX, I called American Express ' customer service phone line at the number the chat representative had provided me, and a new customer service representative ( Representative # 2 ) began to initiate my requested balance transfer. This new customer service representative told me I was not eligible for a balance transfer because I did not have an " offer '' at the same time she confirmed it was unusual because her records also reflected that I was eligible because my account terms and conditions stated I currently had 0 % APR available to me on all balance transfers. At the time I spoke to Representative # 2 I was still chatting on the app with Representative # 1, and I reported back to him that Representative # 2 was telling me I was ineligible. Representative # 1 then checked with his manager ( Manager # 1 ) and confirmed for me that his manager said I was eligible for a balance transfer. I relayed this information to Representative # 2. Representative # 2 then stated she could not help me initiate the balance transfer. So I asked to speak to her manager ( Manager # 2 ), also by phone, and I summarized my experience ( including the fact that Manager # 1 had confirmed my eligibility ). Manager # 2 ( whose named was XXXX XXXX was sympathetic and consulted with some other office, which office name I do not recall. But Manager # 2 came back to me and reported he also could do nothing to initiate my balance transfer and he didn't know of any other person he could transfer me to who would. Manager # 2 confirmed that it was " hard to interpret '' and " inconsistent '' that my terms and agreement both reflected that American Express was extending a 0 % APR on balance transfer to me through XX/XX/XXXX but also that no one had access to this " offer button. '' I summarized to Manager # 2 that not only were the current terms and conditions we were all looking at on XX/XX/XXXX inconsistent, but that at the time I applied for the card, the terms and conditions I was given to review specifically stated that I was eligible for balance transfers up to {$3700.00} for the first 30 days my card was open. I can find no other way to interpret that, in the plain meaning, other than as an " offer. '' Manager # 2 stated all he could do was create an internal complaint for me, which he did ( investigation ID XXXX ) but Manager # 2 also expressed concerns that the internal complaint would not be reviewed and fully addressed until after the 30-day period balance transfer period that was extended to new customers. He told me to check back on my complaint is 2 weeks. The following day, XX/XX/XXXX, I decided to reach out to American Express ' customer service chat on their phone app again to confirm that the APR for purchases on my card was indeed what was reflected on the terms and conditions of the paper Cardmember Agreement I was mailed ( no longer trusting the information that had been previously provided to me ). I reached a new customer service representative ( Representative # 3 ), and they confirmed my purchase APR they had on record was the same as what was reflected in my Cardmember Agreement. However, in the very same message, Representative # 3 also : invited me to make any balance transfers at a 0 % APR, specifically confirmed I was eligible for balance transfers, and used the language that he saw " the account is eligible for the balance transfer when we saw the Offer APR for balance transfers ''. I think it is notable he used the word " offer. '' I continued to chat with Representative # 3 and summarized for him that this was different information than I was given the night before by other representatives and managers. He confirmed he now saw that there was an open complaint and also told me to check back in 12-14 business days. When I expressed concern that any resolution could be outside the 30-day period of eligibility that had been previously conveyed to me, Representative # 3 confirmed : " I've checked and can see the Balance transfer offer is valid till XXXX. '' While I have attempted to have this issued addressed by American Express internally, I am reaching out to you today for a few reasons : ( 1 ) I am concerned there have been representations made to me that this complaint will not be resolved in a timely fashion such that it can be remedied in the 30-day period that would allow me to initiate a balance transfer as a new card member ; ( 2 ) I am concerned that Manager # 2 told me my complaint was being framed as an " Error in Merchandising and Advertising, '' when really it is American Express ' violation of a contract, where I entered into an Agreement with them based on the terms and conditions that were provided to me, and ( 3 ) Most importantly I am very concerned that there could be hundreds if not thousands of similarly situated new cardholders who have had a similar experience to mine ( legally relying upon an extended offer, having different representatives then tell them no offer exists, at the same time other representatives are confirming an offer exists ). I believe I have already experienced concrete harm where the sole reason I applied for this card was for the balance transfer offer, and at the time I applied my credit report was impacted by American Express requesting my credit history. I am now in a position where I do not wish/do not know if it is feasible for me to apply for some other company 's card that offers a balance transfer, where two requests for credit history close in time would significantly impact my credit score. And I now have an American Express credit card I have no use for, but if I opt to close that account with a very short history, it will also significantly impact my credit score. NOTE : I have maintained copies of all of my chats with American Express representatives made through the phone app, and ( on XX/XX/XXXX ) Representative # 3 confirmed for me that my phone conversation with Manager # 2 on XX/XX/XXXX was recorded internally. I also have the paper copy of my Cardmember Agreement that was mailed to me at the time I received my physical card. Please let me know what I can do to remedy this situation in a timely manner. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON XXXX SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX AMERICAN EXPRESS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The company said my name was added as an authorized user and it was without my permission from Amex and its showing that the account balances is mines! They closed the account and it shows closed account but the account was never mines
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A