Date Received: 2022-05-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: American Express decided to close the corporate credit card of our company without any reason. I have discussed this by phone, but nobody seems to be allowed to give an answer. I have asked to be communicated with somebody at management level who is able to give an answer, but you simply dont get one. We are clients for more than 10+ years, maybe even 15+. We have always paid our bills timely and completely. What are our rights as a consumer? It just feels so bad to be treated this way and that you do not receive a honest answer, it feels very unfair. We handle important provider payments through this credit card. Now we have to run to try to fix this and make sure our business will not be affected. I feel so badly treated and I consider it very important that awareness is created of how American Express truly operates. Sincerely, XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I was notified by XXXX XXXX XXXX that my XXXX access which was the primary benefit of this card would be significantly reduced beginning on XX/XX/XXXX. The Annual Fee for the American Express Card is {$550.00}. The terms of the card have significantly changed, and I was not notified within 45 days as required by the Credit Card Protection AcXXXX of 2010. Additionally, significantly reducing the primary benefit of the card while continuing to charge an annual fee of {$550.00} is unfair, deceptive, and affect commerce.
Company Response:
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 15USC 1681 Section 602 States i have the right to privacy. 15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions. 15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I paid a {$550.00} annual fee for the XXXX XXXX XXXX Credit Card from American Express. One of the key benefits is XXXX XXXX XXXX access, including on departure, connection, and arrival when flying XXXX. The fee was posted and paid in XXXX. After paying the fee, American Express and XXXX changed the terms of XXXX XXXX access rules, no longer allowing use more than 3 hours prior to departure and no longer allowing use on arrival. This change is scheduled to start XX/XX/2022, only about a month after paying the annual fee which was predicated on prior access rules. Upon contacting American Express, no recourse is being made by them.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1861 Section 602 States I have the right to privacy. 15 USC 1861 Section 604A Section 2 : It also StateXXXX that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92251
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
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: During a virtual call with XXXX XXXX XXXX moving and storage to get an estimate for an upcoming move. The sales person stated I would need a special crate for my glass dining room table. He stated the special crate would be built to protect my glass dining room table. XXXX XXXX XXXX moving sent over the estimate ; which, I was told included the cost of the special crate. On day of the move, they showed up without a crate, and used card board boxes to protect the table. Disputed the charges with All My Sons Moving and American Express, still no resolution. Explained to American Express the charges were not legitimate and came from deceptive and fraud practices. They charged for an item that wasnt delivered as promise and I agreed to the estimate based on them building a special crate to protect my glass table. Which, they did not deliver as promised. Disputed the charges with XXXX XXXX XXXX XXXX and XXXX and American Express credit card company. Still no resolution..requested a refund of {$1200.00}.
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was charged {$63.00} ( sixty-three dollars and XXXX cents ) for a purported stay at the XXXX XXXX XXXX XXXXXXXX, MO on XX/XX/2021. My Bluebird American Express prepaid card was charged on XX/XX/2021. I NEVER STAYED AT ALL IN SAID PROPERTY THAT EVENING OR EVER. I sent a letter by fax to American Express at ( XXXX ) XXXX on XX/XX/2021 disputing the charge, which is American Express 's Document Upload Center. I NEVER RECEIVED A RESPONSE. Therefore, Bluebird American Express is COMPLICIT in defrauding me, and for allowing a fraudulent charge to stand!
Company Response:
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened an American Express business platinum card in XX/XX/2021 and I have met the minimal spending within 92 days of card opening to get the rewards but my rewards points have been clawed back due to a return ; however ; when I called AMEX ; they told me as far as i can make up the spending before the deadline ; the rewards points will be reinstated. So I spend another $ XXXX But I did not get the points back even I have met all elements to be rewarded. I have read the terms and conditions of the rewards program. But I did not violate any of these.
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an e-mail promotional offer from American Express XXXX, XX/XX/XXXX. I attempted to take advantage of that offer by calling the phone numbers posted or applying on-line but could not complete the application process for varying reasons. 3 different agents said that they did not have access to the special e-mail promotion that I received and when applying on-line I received a message that " Our systems are not responding. Please try later or call XXXX. But that number doesn't actually work. It then gives you a new number. When you call the new number that person tells you that they can not process your application because they don't have access to the offer made to me. I believe that they are reneging on their offer and I don't have any more time to spend on this. This is a copy and paste of the offer I received : Youre pre-approved to apply for either : The Blue Business Plus Card or The Blue Business Cash Card Earn up to XXXX Membership Rewards pointsXXXX or up to {$600.00} in statement creditsXXXX then add Employee Cards to complete your bundle. Both Bundles feature no annual fee and a 0 % Intro APR* on purchases for 12 months from the date of account opening. Apply by XXXX To qualify for the bundle offer, the Employee Card must be added at the time of Card application. *After that, your APR will be a variable rate between 13.49 % 21.49 %, accurate as of XX/XX/XXXX. PICK THE BUNDLE THAT IS RIGHT FOR YOUR BUSINESS EARN UP TO XXXX POINTS WITH THIS BUSINESS CARD + EMPLOYEE CARD BUNDLE Earn XXXX Membership Rewards points after you spend {$15000.00} in purchases on the Blue Business Plus Card in the first 12 months of Card Membership. Earn XXXX Membership Rewards points after you add an Employee Card with your Card application and spend {$1000.00} in purchases on your Employee Card in the first three months of Card Membership.2 There is no annual fee. Rates & Fees EARN UP TO {$600.00} IN STATEMENT CREDITS WITH THIS BUSINESS CARD + EMPLOYEE CARD BUNDLE Earn {$500.00} in statement credits after you spend {$15000.00} on your new Blue Business Cash Card in the first 12 months of Card Membership. Earn {$100.00} in additional statement credits after you add a new Employee Card with your Card application and spend {$1000.00} on your Employee Card in the first three months of Card Membership.4 There is no annual fee. Rates & Fees UNLOCK THESE BENEFITS WITH EITHER CARD Enjoy no annual Membership fee and earn Membership Rewards points, just for doing business. Blue Business Plus Rates & Fees Blue Business Cash Rates & Fees 0 % Intro Apr Enjoy 0 % Intro APR for 12 months on purchases from the date of account opening. After that, your APR will be a variable rate between 13.49 % 21.49 %, accurate as of XX/XX/XXXX. Blue Business Plus Rates & Fees Blue Business Cash Rates & Fees Earn More Rewards The more Cards you provide for your employees, the more rewards you can earn. Plus, theres no annual fee when you add Employee Cards.5 Expanded Buying XXXX6 If business needs arent constant, your spending power shouldnt be either. Expanded Buying XXXX gives you the freedom to spend beyond your credit limit and get business done. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. BUILDING YOUR BUNDLE Apply to add the Blue Business Plus Card or the Blue Business Cash Card Add Employee Cards on your Card application Enjoy the benefits and rewards of your bundle Apply for the Blue Business Plus Card bundle Apply for the Blue Business Cash Card bundle EXPLORE MORE WITH YOUR AMERICAN EXPRESS CARD Add someone to your account Refer a business Add Amex Offers to your Card Check out the Shop Small map Get the American Express App Backing our customers with a seamless app. See why the Amex App is ranked # 1 in Customer Satisfaction with Mobile Credit Card Apps by XXXX. XXXX * *Based on responses from consumer Card Members. For XXXX. XXXX XXXX award information, visit XXXX XXXX on this email Privacy statement Update Email Unsubscribe This email advertisement was sent to : XXXX. Your account information is included above to help verify American Express as the sender of this email. Learn about email security or report suspicious email at americanexpress.com/phishing. Please do not reply to this email as we do not accept messages to this email address. If you need to contact us, you may do so via Customer Care. XXXX and XXXX only. See app store listings for operating system info. XXXX, the XXXX logo, XXXX, and XXXX are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX is a trademark or registered trademark of XXXX in the U.S. and other countries and is used under license. App Store is a service mark of XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX Terms and Conditions Blue Business Plus Card Offer You can earn XXXX Membership Rewards points after you spend {$15000.00} or more ( the Threshold Amount ) in eligible purchases on your Blue Business Plus Card within your first 12 months of Card Membership starting from the date your account is approved. The Membership Rewards points will be applied 8-12 weeks after the Threshold Amount is met. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit Membership Rewards points to, we may freeze Membership Rewards points credited to, or we may take away Membership Rewards points from your account. We may also cancel this Card account and other Card accounts you may have with us. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your account must not be canceled or past due at the time of fulfillment of any offers. You can earn XXXX Membership Rewards points after you spend {$15000.00} or more on eligible purchases on your Card within your first 12 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$15000.00} may be shorter than 12 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 12-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by XX/XX/XXXX, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time. Terms and Conditions for the Membership Rewards program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to XXXX. Employee Card Bundle Offer To earn the XXXX Membership Rewards points, at least {$1000.00} in eligible purchases must be made on the Employee Card added at the time of Card application within the first 3 months of Card Membership. XXXX Membership Rewards points will be credited to the Basic Card Members account 8-12 weeks after the requirements have been met. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit Membership Rewards to, we may freeze Membership Rewards credited to, or we may take away Membership Rewards from your account. We may also cancel this Card account and other Card accounts you may have with us. To receive the points, your Card account must not be past due, canceled or have a returned payment outstanding at the time of offer fulfillment. Eligible purchases are for goods and services minus returns and other credits. Interest charges, fees, purchases of checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents are not considered eligible purchases for the purpose of the purchase requirement. You can earn XXXX Membership Rewards Points after you spend {$1000.00} or more on eligible purchases on your Employee Card within your first 3 months after adding the Employee Card. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by XX/XX/XXXX, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time. Blue Business Cash Card Offer You can earn a {$500.00} statement credit after you spend {$15000.00} ( the Threshold Amount ) or more in eligible purchases on your Card within your first 12 months of Card Membership. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible Purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply. Limit one offer per Card Account. Offer may not be combined with any other special offer. The {$500.00} statement credit will appear on your monthly billing statement within 8-12 weeks after you have charged {$15000.00} in eligible purchases, provided that your Card account is not past due or canceled. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit statement credit to, we may freeze statement credit credited to, or we may take away statement credit from your account. We may also cancel this Card account and other Card accounts you may have with us. For questions regarding your Card account, please call the number on the back of your Card. You can earn {$500.00} in statement credits after you spend {$15000.00} or more on eligible purchases on your Card within your first 12 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$15000.00} may be shorter than 12 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 12 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by XX/XX/XXXX, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time. 4 Employee Card Bundle Offer To earn the {$100.00} statement credit, at least {$1000.00} in eligible purchases must be made on the Employee Card added at the time of Card application within the first 3 months of Card Membership. The Basic Card Members account will receive the statement credit 8-12 weeks after the requirements have been met. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the statement credit, we may freeze statement credits, or we may take away statement credits from your account. We may also cancel this Card account and other Card accounts you may have with us. To receive the credit your Card account must not be past due, canceled or have a returned payment outstanding at the time of offer fulfillment. Eligible purchases are for goods and services minus returns and other credits. Interest charges, fees, purchases of checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents are not considered eligible purchases for the purpose of the purchase requirement. You can earn {$100.00} statement credit after you spend {$1000.00} or more on eligible purchases on your Employee Card within your first 3 months after adding the Employee Card. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by 6/30/2022, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time. 5 Employee Card Terms, conditions, and restrictions vary by individual Card products. 6 Expanded Buying XXXX The portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due. You will not incur interest charges on the portion of your account balance that is above your credit limit so long as you pay the entire minimum payment due by the closing date of the billing period in which it is due. If you do not, then the penalty rate will apply to your entire balance, including any amount above the credit limit. American Express Customer Service Department XXXX XXXX XXXX | XXXX XXXX, TX XXXX XXXX American Express . All Rights Reserved. XXXX XXXX
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A