Date Received: 2022-06-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My American Express serve card was used at an ATM to withdrawl {$500.00} with out my consent another charge of {$0.00} ATM declined fee was charged as someone attempted to withdrawl more funds on XX/XX/2022 at XXXX am I called American Express at XXXX when I realized someone used and attempted to withdrawl money. They sent me a declaration of fraud form I submitted this on XX/XX/2022. On XX/XX/2022 American Express sent an email saying that my dispute was declined. This is not correct and I believe that American Express stole my money as my card is still in my possession and I wasnt in the area of this ATM when it was used.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an American Express card. The card due date is usually very close to the XXXX of each month with a little variation for weekends and holidays. American Express has a " please pay by date '' that is not the real due date for the card. Recently they have started including a banner on their web page that explicitly states the account is overdue when the please pay by date has passed, but before the actual due date has passed. The account is NOT overdue but their message explicitly states that you are already past due when you are not.
Company Response:
State: NC
Zip: 28147
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I am currently XXXX XXXX XXXXXXXX XXXX in the military and was enrolled in the Servicemembers Civil Relief Act ( SCRA ) with American Express on multiple occasions. I say multiple occasions because this is the second time that I have had to deal with this. I have remained on XXXX XXXX since I was first enrolled into the SCRA program with American Express - therefore, and per the SCRA guidance below, I should have remained enrolled in the program throughout my time on XXXX XXXX. " For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). '' I have reached out and spoke to four representatives ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2022 ) with American Express to discuss the situation in hopes of having this issue resolved prior to me having to deploy. However, I continue to get the same response ... '' the SCRA benefits only applies to the debt accrued prior to service. '' According to their representatives, I was removed from the program on XX/XX/2022, which does not make sense since I was definitely on XXXX XXXX during that time. I asked the representative why XX/XX/XXXX, and she could not give me a definitive answer. As stated above, that is clearly not the case. The six percent interest is to remain while I am on XXXX XXXX. American Express is the only credit card company that I am having this issue with. XXXX and XXXX XXXX have adhered to the guidelines listed above. I am beyond frustrated because I should not have to worry about making sure I am mentally and physically fit to defend my country, while stressing over American Express fraudulently charging me interest for more to 2 years on two separate American Express accounts.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.
Company Response:
State: TN
Zip: 37803
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I believe the benefits for this card were poorly represented on the company 's website. In the post-login experience, it seems like I am eligible for the benefit of a XXXX XXXX ; but then when I try to use it, I am not able to. The message that is displayed as to why not is simply : " We're unable to load this page at this time. Please try again later. '' That message makes it seems like the problem is just a technical issue with the website, but when I called customer service, the agent explained that actually I was not eligible for the benefit. That American Express had decided, based on factors that they would not tell me, that I was not eligible at this time. I understand that this is not a guaranteed benefit of my card -- however, I think that American Express should not display this benefit to me on my post-login in benefits page if I am not eligible for it. Or, at the very least, they should make clear in the language describing the benefit that more than simply " enrollment '' is required -- you must actually request and be approved, not just enroll. Because the benefit is listed on the post-login page, where it is on my specific benefits page for me and my card, as opposed to the general benefits page for the card for all customers, I believe that these benefits are tailored to me and all available to me. So it feels like false advertising to have a benefit listed and then be told not, actually, you don't have that. I am attaching screenshots of the benefits description and the error message that I got from my account.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im writing you today inquiring about what steps can I apply to be in good standing with the following organizations in the future : American Express XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I filed for Bankruptcy in XX/XX/XXXX after trying to avoid it for two years due to the family hardship I endured while XXXX. After administering a self-assessment and the counsel of a financial advisor, I concluded the events and decisions that lead to the filing of bankruptcy. Shortly after entering the XXXX XXXX XXXX in XXXX, my wife had to undergo XXXX in XX/XX/XXXX. Due to the XXXX XXXX XXXX XXXX being at XXXX capacity, my wife was informed she had to see a provider in the local XXXX economy that was approved by our XXXX medical insurance to undergo XXXX. A week later my wife waXXXX XXXX XXXX XXXX, and after bringing her to the XXXX XXXX XXXX XXXX XXXX XXXX, the ER physicians informed us that the XXXXXXXX XXXX XXXX XXXX. Since XX/XX/XXXX, my wife has had XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My wife has beeXXXX XXXX XXXX XXXXXXXX and XXXX from the XXXX XXXX she's received. After receiving the notification that she would need another XXXX. I would go on small vocations lasting no more than four days to different countries while stationed in XXXX ( XXXX XXXX XXXX ). I did this to try to relieve the stress, tension, and XXXX between the both of us. In addition, I spent thousands of dollars trying different XXXX products we thought would assist with her other medical conditions that affect her anatomy. The prescription medications that were prescribed to her by Primary Care Managers always XXXX XXXX XXXX and I refused to let her deal with those issues without trying alternative products. I've also flown family members to both XXXX and XXXX to assist with my XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Lastly, my wife and I have an eighteen-year age difference and we share XXXX adult children and XXXX grandchildren. Due to the extensive amount of available credit on my credit cards, I assisted them irrationally in terms of my spending on our grandchildren 's quality of living needs. One of our adult children is a dependent that has lived with us at both duty locations. My wife and I are legal guardians for XXXX out of XXXX grandchildren. We currently have XXXX grandchildren residing with us in XXXXXXXX One of our grandchildren previously lived with us for a year between XXXX and XXXX, and the financial obligations associated attributed to my debt. We've immediately decided to have a discussion following my bankruptcy with our adult children about their role and responsibilities as parents, adults, and to include our financial situation which pertains to a minimal level of support financially in the future. My bankruptcy was fully XXXX on XX/XX/XXXX and eliminated {$73000.00} of debt. Lastly, with this information in your possession could you please consider removing late payments from my ALL credit report because Id never missed a payment to include the payment that was due in the same month as my Bankruptcy was filed in XX/XX/XXXX. AMEX accounts affected : XXXX XXXX XXXX XXXX accounts affected : XXXX XXXX XXXX accounts affected : XXXX
Company Response:
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: My son has his paycheck direct deposited into my serve card account due to the fact that he owes me money and I am helping him learn to control his money. I received an email, which will be attached, from serve card stating that a check from XXXX XXXX of {$2000.00} was deposited today, XX/XX/2022 at XXXX pm. I received another email, also attached, at XXXX stating that my account has been permanently suspended because they believe there was activity that violates their terms of the Consumer User Agreement. I called and spoke to customer service and they would not give me any information as to why my account was suspended other than what is in the email. The only way they will give me any information was if I wrote to them. They refused to give me any access to my money. The representative just kept repeating what was in the email and then he hung up on me. I called back and spoke to another representative who let me explain what I was calling about and he told me to go to the website XXXX. He then said to have the depositor send a letter of indemnity but I'm unclear as to whether they send it to serve card or to XXXX.
Company Response:
State: TX
Zip: 784XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been a card holder of American Express for over 20 years. Over the years I have accumulated almost one million travel points with American Express. I recently tried to log into my American Express account to view and redeem points for travel but I was locked out of the account. I called American Express customer service and was told that because I hadn't used the card lately the credit card had been canceled by American Express and all travel points that I earned were revoked. I was also told an email was sent to me suggesting I use the card but not such email was received by me. I scanned my email account to make sure I didn't overlook the email but no such email was received in my main or spam folders. I requested American Express send me proof that I was notified and a copy of their policy that would allow them to take these points away but the American Express representative I spoke to ( XXXX XXXX ) was rude and informed me they would not send the requested items to me without a Subpoena. I hoping I can recoup the points I earned with American Express over the years without expending legal costs.
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have a Blue Cash Preferred card by American Express and one of it's advertised benefits is access to free credit reports. I have tried accessing this product multiple times but keep running into issues. I contacted American Express customer care on XX/XX/2022 about this issue and they asked me to contact XXXX. I called the XXXX number they gave me on the same day and they told me to send an email to XXXX. I sent at email to this address on XX/XX/2022 and they responded without understanding my problem and their response didn't help me. After that I also sent follow up emails but didn't hear back from them. I am filing this complaint against American Express because they promised this feature to me and if I am facing issues in accessing it, they should resolve those issues. The customer support did not help me when I called them and just passed the buck to someone else. As an AMEX customer, I am entitled to receive the benefits and features they advertised.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A