Date Received: 2022-07-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This is in regard to my business credit card ending in XXXX with American Express. I had an Amex offer which asked me to spend {$1000.00} to get {$300.00} cashback on AmexTravel.com Despite spending this amount, i did not get the cashback. I filed an escalation which was resolved without talking to me. The reason for denial is stated as " The transaction was done on amextravel.com '', as demonstrated in the attachment those were literally the terms in the title of the offer. I understand Amex made a mistake in mismatching the terms in title and fine print, however as a customer, I should not be made to suffer for that.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: American Express has informed us they have had payment problems, including a letter mailed to our home about the problems dated XX/XX/XXXX. ( I will attach this document. ) Despite that, they keep telling us our payment is past due and they are threatening to send us to collections. We paid AmEx bill via our XXXX bank on XX/XX/2022. We have proof of this and have shared it with AmEx. We paid more than the full amount due and they claim they can't see the payment even though it is clear on XXXX ' side that the money went to AmEx. We have called three times and have gotten no where with the company. We asked to speak with a supervisor the last two times, and the latest time ( tonight at XXXX XXXX XXXX ), they said they were too busy and the supervisor would call us back. The last supervisor said we talked to said we could resolve this by wiring even more money to AmEx via our XXXX account ; but we don't want to send anymore money to the black hole that is AmEx 's payment system. All the folks we've spoken to there say they can't do anything about this until their system is fixed, and say we " probably '' won't be liable for fees, interested etc. But no one would put this in writing in an email..and if they send us to collections, we will suffer the ramifications of that. Corporate America, whether it be greedy credit card companies, airlines, etc., seem emboldened to not care about consumers and enrich their executives. We need the FTC and politicians to step in.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To whom it may concern : I've requested a few times and spent over 8 hours on the phone waiting to get an answer from the underwriting team at American Express in regards to the platinum card. According to 15 USC 1602p this counts as " unauthorized use '' since I have not received any benefits but my credit was accessed. I am a natural person who is a creditor. 15 USC 1602 Definitions of Rule and Construction is where I'm getting the basis of this complaint from. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
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: On XX/XX/2021 I attended the XXXX, XXXX state fair with my mother and son. I was approached by a girl from one booth promising to make my XXXX XXXX go away. My mother and I listened to her sales pitch and I decided to splurge and buy the overpriced cream. I believed my purchase of {$480.00} to be extravagant, but felt it might make my mother happy. While finalizing my transaction I was told it was my 'lucky day ' as a world famous dermatologist just happened to be there and could offer us a FREE service as a thanks for our business. This sales person WAS NOT a dermatologist or a doctor of any kind. She took the device that supposedly retailed for {$25000.00} and used it on both my mother and I. She began to talk about how she felt like I really 'needed ' this item and felt my story ( what story?? ) made her feel sorry for me. She spoke with another co-worker and soon they were both making over me and telling me how much this could help me. I told them both there was NO WAY I could afford that. The XXXX salesperson made up some story about having a XXXX XXXX XXXX account of {$50000.00} which made absolutely no sense. Both salespeople went on and on about how this could change my life, etc.. Finally they said I could walk away with this super life changing product ( not even the product the booth was promoting ) for {$1500.00}. I agreed so they would allow me to leave. I didn't know exactly how I would budget the expense since I normally research products BEFORE I buy them. I also do not make impulse buys. As I purchased this item I felt XXXX. I know the sales people could tell and began putting all kinds of 'free gifts ' in bags for me and my mother. I had no idea what any of these items were, nor how to use them. I was just glad to get OUT of the booth and outside for fresh air. I did try and XXXX the company while in their booth and could not connect to internet. I received my receipts for the items purchased AFTER the fair buildings were closed. I was shocked to see that I was charged so much for the products. The {$1500.00} charge was instead charged for {$3700.00}. I immediately contacted American Express and was told NOT TO WORRY. I was told that they already had the company flagged as a fraudulent company and I would not be held responsible for the charges. I was told to attempt to return the items to the booth for refund. The following day I returned to the fair and made an unsuccessful attempt to return the items. None of the employees seemed to remember me and were not at all friendly. The guy who had offered to pay from his outrageous XXXX account found a dirty piece of paper on the ground and re-taped it up in the booth saying " no refunds '. He said I should have seen it before I purchased. I guess I didn't see it on the floor. I asked to speak to a manager and he said I would need to call the main office. He had no business cards or literature with any numbers. He looked up the number and I jotted it down. I immediately called the main office and left a message. No one returned my call. I again contacted American Express and reported what had happened. Again I was told not to worry. Eventually American Express did take off the first charge, but they continue to refuse to take off the {$3700.00}. I have made so many phone calls, emails, online chat. Lately they have said they will re-open the dispute and then I find out it is closed the same day. I have sent numerous reports of this business and their shady dealings, numerous DBAs, etc.. to American Express with nothing being done. I was first scammed by XXXX company, now I feel like I am being scammed again ( and continuously ) by American Express. I have been a customer for close to 30 years and never even had a complaint before now. I have done everything they asked me to do. I continue to find more people that were scammed by XXXX and am scared to even try and use any of their products. I am also scared if I pay American Express the full amount that is in question that they will no longer even half way attempt to resolve this issue. This has been going on since XXXX and I am tired of being strung along by American Express. I feel like they are not honoring their promise to me, the card holder.
Company Response:
State: OK
Zip: 74801
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/XXXX I opened a XXXXXXXX XXXX offering no interest for 18 months on balance transfers. I initiated a balance transfer from American Express of {$3500.00} to the new XXXXXXXX XXXX in XX/XX/XXXX and it took effect on my XXXXXXXX XXXX ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not taken off my American Express card ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. American Express did suspend the amount temporarily asking me for the 6th time for the same information that was already given to them. Apparently, they are giving me a run around because we are not getting anywhere as it is over XXXX of contacting both companies. Please step in to get this corrected.
Company Response:
State: CT
Zip: 06877
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022 I clicked a website offer to sign up for a XXXX XXXX American Express card. The offer included XXXX bonus XXXX if I charged {$2000.00} in the first two months I had the card. On XX/XX/2022, I had charged more than {$2000.00} on the card, but did not get the bonus. I contacted American Express through the chat feature of their App, and was told that they did see that I had activated the offer for XXXX miles, but that the offer was " rescinded '' during the application process, and I should have seen a pop up indicating the offer was rescinded. There was no such pop up, and at no time did AmEx communicate that the offer was rescinded until I contacted them. They indicated they would research it and get back to me in 7-10 business days. I never heard back. Unfortunately, the app does not allow you to save a transcript of the text, so I then called Customer service and spoke to " XXXX '' -- she confirmed the same information : that the offer was " rescinded '' during the application. I told her I was never told it was rescinded. She " opened a case '' for me and said I would hear back fr them in 6-8 weeks. I never got any response. It's now been 13 weeks, and no one from Amex has gotten back to me.
Company Response:
State: MN
Zip: 55118
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Amex emailed me ( Amex Offers ) re a XXXX promotion ( spend {$200.00} by XX/XX/22 and receive {$80.00} back ). I tried to enroll directly from the email ( E.g., click to add offer to card ) and it took me to a different offer for XXXX hotels. I made four phone calls to Amex who gave me the run around before deciding to inform me that the offer was closed ( despite the terms ) and that I was not eligible due to the offer hitting a cap of XXXX enrolleesa limitation not disclosed in the terms.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I was notified by Serve due to activity on y account alerted by a fraudster call to initiate the locking me out of my account in an attempt to take over my debit card. After loosing first the access to the emai on file ti the account and after I called Serve to update the account I discovered the card was deactivated and in processing to be reissued, although much of my personal information was listed as old contact in which is similar to the the sctions of the persons responsible for my recent attack, theft of property, and continuous theft and fradulent use of my banking information, phone data, and consumer profiles as well as email accounts and personal stalking. Two of the three suspects were paced in custody and one is at large which is likely the driving force behind these recent transactions.Tonight I noticed the two now released individuals on several occassions at and around my complex which has been the case since one was released and other has remained at larged ; with ongoing attempts at interference with my accounts through what I was abile to notice as phishing through inbound emails, calls, bluetooth activation, and the pursuit of unknown methods through common apps I was advised to get a new device although when doing so Access to important emails and other account remained inaccessible such as my main email and bank account which I was only able to accessat about XXXX AM XX/XX/XXXX. XX/XX/XXXX XXXX with 1 pending transactions I am noticing 15 unauthorized amounts that are transactions totalling nearly {$720.00}. i have made nearly 23 reports for this activity and charges has been filed, but This is a case of stalking and the theft is a mere agitation being pursued to impose more mental anguish. My banking institute fail to acknowedge me as such, a victim of unforeseen circumstances and the loss of monthly benefits has become the causation of hardship in need of mediation to resolve, replace, and contemporary aid me in the recouping of funds as I just today have converted my banking to a more secure and mainstream institution, but I am demading the funds be provided with any unneccessary delay due to no fault oc my own and the acount remain accessible during with time for the immediate and full withdrawal of these funds. Report was made on XX/XX/XXXX to one other federal regulatory agency in this matter.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am filing a complaint against American Express Credit Card. American Express is abusing its position in the market place to encourage and assist its cardholders in committing friendly fraud. I am an XXXX. I examined a XXXX and charged the XXXX {$89.00} for the XXXX XXXXXXXX Six weeks later, the XXXX filed a chargeback because he states he did not like his glasses. He never informed my office that he was having a problem. I did not make his glasses. I only did the XXXX XXXX The XXXX signed a waiver and agreed in writing that my professional fees are not refundable. I offer a 30 day warranty where XXXX XXXX can come back for a free recheck if they are having any problems. The XXXX states in his chargeback complaint that he returned after 30 days because the vendor that made his glasses took too long to make the glasses. While he complains about how long it took to get his glasses from a different vendor, he is acknowledging that he missed the 30 day warranty. Yet, in his chargeback he claimed that I failed to honor my warranty. I sent American Express the signed refund waiver that includes the warranty. The cardholder had no evidence or proof of any kind to support his claim. I had the signed waiver. Nevertheless, American Express took {$89.00} from my checking account. When I filed a rebuttal, there was no response from American Express. I checked with my merchant services provider and they said that with AMEX, if you don't get a response within 20 days, just assume you lost your dispute with AMEX, because they don't respond. AMEX also does not allow any appeals or arbitration. American Express is out of step with industry standards. American Express is enabling and assisting what is known as friendly fraud. That's when cardholders abuse the chargeback system to steal from legitimate businesses and professionals like myself who have provided care XXXX XXXX Please contact American Express and ask them to honor the no-refund agreement XXXX XXXX XXXX signed. Here is the information on the dispute : Case number : XXXX XXXX : XXXX XXXX : XXXX Original transaction Transaction amount {$89.00} Invoice on XX/XX/2022Invoice : XXXX
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A