Date Received: 2022-04-26
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I have a substantial amount of money on my card but for some reason American Express serve has a limit on my money that I can spend. Its my money and not a credit card. So every single month I have to go a week to 10 days with no access to my money.
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have two transactions that have been held since XX/XX/XXXX by American Express Bluebird. There are two transactions {$34.00} and {$230.00}. Both transactions were for two separate hotel stays. The hotel has reconciled BOTH stays and charged the stays under " XXXX XXXX '' which is their payment processor. I was advised on XX/XX/XXXX by a representative at Bluebird that a letter on the hotel letterhead was needed to have the hold released. They said they would not accept the hotel receipts on letterhead as proof to release the hold and that someone from the hotel staff would have to email a letter on their letterhead from the XXXX domain to have the funds released. The front desk manager as well as the General Manager for the XXXX XXXX and XXXX XXXX in XXXX XXXX, TX have emailed this information three times. On the evening of XX/XX/XXXX, I spoke with agent XXXX at American Express Bluebird who was rude and did not help to resolve my concern. I was told that it would take 30 days to release my hotel transaction which is not true according to their own policy that states that funds would be released after the 7th day. The 30 day hold applies to rental car agencies by definition of American Express ' own policy. The ambiguity of their policy is misleading and deceptive to customers.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: See CFPB complaint XXXX for background. I'm filing an additional complaint as the company did not address my concerns in their response. Please re-investigate this complaint ; they do not respond to the matter that is being questioned at all. Since XX/XX/2020, any application that has been submitted has been automatically rejected, denying my right to a fair review of a credit application and review. There is no reason that my account should be on a permanent denial basis moving forward indefinitely, and that is the status that it's currently in. When I called on XX/XX/XXXX and made a complaint with American Express, I was told explicitly that I would have a phone call returned with an update regarding my inquiry. The company failed to reach out to me and give me any update regarding my inquiry ; when following up subsequent times, they also had no additional information they could provide. My rights to have a fair, equal credit opportunity review and qualification are being denied. Since XX/XX/2020 I've been automatically declined for any AMEX product, when contacting the company to handle this dispute, I was told they would do research and get in touch with me in two weeks with a rationale. CFPB, is the only way of getting reprieved from this situation civil litigation? Is there any enformcentment to ensure they are aboding by ECOA?
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
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: there was a credit balance on my XXXX XXXX XXXX XXXX I told American express to transfer XXXX XXXX XXXX credit balance to my American express XXXX XXXX, after several calls my credit balance from XXXX XXXX XXXX card was transferred to XXXX XXXX card but a debit balance was also entered in XXXX XXXX XXXX XXXX card ending in XXXX Several calls and online messaging has been done, but to no avail. Service is ridiculous. take a very long time to take action.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My father XXXX XXXX has been XXXX XXXX financially XXXX XXXX XXXX XXXX XXXX and opened up a card in my name to play his own financial interests as a fraudulent business banker. Ive asked the company ( AMEX ) to close the account. They wont close the account because I dont have authorization.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When exercising my rights, Amex sent my account to collections. The account has been closed and not in collections since XX/XX/2022. It was only when I sent them my remittance did I receive a letter informing of this transfer. AMEX is in violation of their own agreement when the terms of our contract include arbitration. Before any account closure or transfer, arbitration should have been started as was agreed upon when the account was opened AMEX. Additionally, AMEX is in complete and utter violation of 15 usc 1602 ( p ) which mentions use of the credit card in which the owner receives no benefit. I, as a federally protected consumer, am aware that this was to be an open end credit plan in which I was to be responsible for a finance charge computed from time to time. These laws were put in place to protect us from companies such as yours. There is a billing error on this account and pursuant to 15 U.S.C. 1666 ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. I would like it investigated. Any further adverse action would be unacceptable and remedy will be pursued.
Company Response:
State: HI
Zip: 96740
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2021 AMEX Closed a credit card that I never had used and which had a {$0.00} balance, and simultaneously American Express ( AMEX ) charged me an invalid annual fee in the same month of closing the card. I called to raise this issue with AMEX when I got a bill for a charge I did not cause on a closed card. I was assured by AMEX the canceled card would have the annual fee removed, due to their mistake, and NOT to pay it. AMEX eventually corrected the amount owed to {$0.00} but it was over 2 months later. This resulted in AMEX inaccurately reporting missed payments of 60 days late to all three credit bureaus! I had offered to pay the fee when first due but was instructed by AMEX NOT to pay the annual fee since the card was canceled and the fee was not a valid fee due. When I disputed the inaccurate payment history with the 3 credit bureaus, AMEX 'validated " the information without making the proper correction. This has resulted in lower XXXX XXXX scores and higher interest rates which continue to cause me financial harm do to their inaccurate reporting to the 3 credit bureaus.
Company Response:
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My social security number and address was used to open various credit cards
Company Response:
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I applied for an account with Kabbage by American Express. The account advertised a {$300.00} bonus upon meeting certain requirements, namely opening an account by XX/XX/XXXX and making 5 debit card purchases using the new account debit card. After I submitted my application on XX/XX/XXXX, I was asked to upload documents to verify identity ( a utility bill ). I did this promptly on the same day, and uploaded a utility bill on XX/XX/XXXX. The website displayed a message saying well get back to you in 5-7 days ''. There was no activity following my application after XX/XX/XXXX. Every time I visited the account status page, I got the message saying " we'll get back to you in 5-7 days ''. I emailed Kabbage on XX/XX/XXXX to inquire about the status of the account. I received an automated response and a case number for my inquiry. The case number was XXXX. I did not receive any response to this case, at all. At this time, I felt that this was not a bank worth dealing with but I opted to just wait. On XX/XX/XXXX, I received an email that my account was approved. I have attached a copy of that email message, which still promised {$300.00} upon making the 5 debit card payments. Given that I had applied well ahead of XX/XX/XXXX ( I applied on XX/XX/XXXX ), I felt that any delay was on the side of Kabbage, and I shouldn't have to be penalized or denied the promotional terms because of such delays. After I received my debit card, I funded the account and met the debit card purchase requirements. I expected to receive the bonus, but in XXXX the bonus was denied. I was told that I needed to have the account approved by XX/XX/XXXX. I found the experience so deceiving, because the delay associated with opening and approving my account was totally on Kabbage. I applied on XXXX and was asked for documents. I supplied those documents same day. They had plenty of time to approve the account, regardless of how many applications they were receiving, and regardless the terms should honor any applications submitted by XX/XX/XXXX, not approved by XX/XX/XXXX. How are the 10,000 applicants that ( hypothetically ) applied between XX/XX/XXXX and XX/XX/XXXX assured that Kabbage didn't just decide to stop processing approvals until after XX/XX/XXXX, because waiting until then would give them an OUT from having to fulfill the promotion terms? This is the deceitful part and I want them to go back and make it right for customers like me who applied in good faith, and met the requirements in good faith. I have called Kabbage twice, and I'm told my name was passed to a manager. They're supposedly aware of this screw-up, and I was told someone would be in touch with me to make this right. I never heard back the first time I called and was told this, so I called again in XXXX, only to be told the same thing ( my info would be passed to a manager ). To date ( and it's end of XXXX ) I have not heard anything else. My bonus has not been awarded.
Company Response:
State: CA
Zip: 93704
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently talk to the American Express travel agent about my cancellation about my ticket they where told me that I cant refund it they can only do is airline credit I dont want airline credit because I paid the ticket on my American Express card and my flight begin on the XXXX I want refund instead of credit
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A