Date Received: 2022-04-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: American Express ( https : //www.americanexpress.comXXXX/ ) denied my application to open a Savings account. They refused to provide a reason why and said they would email me. I'm still waiting! I've been a client of Amex since 1992 and have never been late paying my monthly statement. As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with Amex- or any bank. I am not applying for a loan, I'm applying for a savings DEPOSIT account.
Company Response:
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
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/2022 XXXX charged my credit card an amount of {$170.00} usd the amount appear to be for someone else insurance payment. I disputed the charges with XXXX but they asked to dispute the charges with the Bank, so I did but American Express refuses to resolve the issue, I have opened the dispute 3 times but the company is unwilling to investigate the issue.
Company Response:
State: WA
Zip: 98168
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an email on XXXX XXXX, 2021, indicating that American Express was running a promotion associated with my Hilton XXXX card stating that if I spend a minimum of {$8000.00} on my card, I would receive a free Hilton night within XXXX weeks of meeting that spend requirement. I met the spend requirement on XXXX/XXXX/21. It is now over 19 weeks since then and I was told today when calling AmEx about the free night status to wait another 7-10 weeks by a customer service representative with no other recourse. They also said this has been a common problems with other cardholders.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : I disputed an amount of {$670.00}, this account was not accurate. I would like this removed from my report. XXXX XXXX XXXX account # XXXX : please have removed from credit report Amex account # XXXX Late payment was added to credit report which was incorrect and I've been on time with all payments. Please remove from credit report
Company Response:
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: RE : American Express Dishonest Customer Representatives I had been a card member of American Express since XXXX, and I had been asked to upgrade my membership but I did not want it because a new fee was {$250.00} instead of {$160.00} per year. On XX/XX/XXXX, XXXX XXXX from American Express told me that if I upgrade my membership and spend {$1000.00} for the first month, I would get XXXX point ( {$250.00} cash value ), and the fees would be prorated and I would be able to go back to my old membership if I want. However, cash value of XXXX point was only {$120.00} and when I tried to go back to my old membership sometime in XXXX, they told me that it was no longer available. Then, I realized that I had been deceived by XXXX XXXX. Then, I decided to cancel the entire membership but whenever I call them, they did not let me close my account, so it took very long to close my account, so I was charged fees for nothing by American Express. When I spoke to XXXX XXXX for hours to close my account on XX/XX/XXXX, finally he accepted to close my account and told me that I would get a refund of half of my membership fee ( $ XXXX {$120.00} ) within a month, but I have never received it. However, I have found that my refund was not processed at all when I called American Express on XX/XX/XXXX. I do believe that I was deceived by American Express. Could you please have American Express to pay me back my membership fee of {$120.00}? I have no outstanding bill, so I am entitled to get a refund. Thank you very much, XXXX XXXX
Company Response:
State: NY
Zip: 10027
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: 2022-04-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Without obtaining my consent, American Express and XXXX signed me up for an XXXX subscription service, " XXXX XXXX, '' at the cost of {$9.00} per month. As I researched old communications from these companies, I was able to retroactively piece together the following timeline : - On XX/XX/2022, I received an email from XXXX but co-branded by AmEx stating that I would be " receiving a complimentary membership to XXXX XXXX through your American Express Card. '' I never took any steps to request or sign up for this membership ; I was signed up by these companies. Calling this membership " complimentary '' is extremely misleading. Reading through the email now, further down in the email it states there will be a recurring {$9.00} monthly charge for the allegedly-free membership, starting the next month ( XXXX ). In sum, American Express and XXXX signed me up for monthly subscription service I did not request and which they falsely described as a complimentary ( i.e., free ) benefit of having an AmEx card, and then proceeded to charge me $ XXXX. At the time, I did not notice the reference to the charge ( which I would have to opt out to avoid ). - On XX/XX/2022, XXXX sent me a longer email saying I had received an upgrade from XXXX XXXX to XXXX XXXX. I recalled that my AmEx card had for some time provided me with a monthly credit to use for XXXX XXXX purchases or XXXX rides, so I not unreasonably assumed the XXXX XXXX membership was an expansion of the prior benefit. - On XX/XX/2022, I received an email from XXXX co-branded with American Express stating in large font " Hope you enjoyed saving with your complimentary membership from American Express! '' In bold font, the email also stated " No need to take any action on your end, weve got you covered. '' In much smaller font, it says I will be charged {$9.00} starting on my XXXX XXXX renewal date. It does not disclose the date. A footnote in even smaller font says that information, and the ability to cancel, can be found in the XXXX XXXX app. - Since then, I have been charged for an XXXX XXXX membership I never requested three times ( XXXX, XXXX, XXXX ), {$9.00} each month. I never received a statement, invoice, or email of any kind related to these charges. - On XX/XX/2022, I discovered this problem when I noticed the XXXX charge via a XXXX XXXX app notification. I initially thought it was simple fraud and called AmEx to report it. AmEx told me the charges were legitimate, and I should just cancel the membership and complain to XXXX if I wanted charges reversed. I did cancel the membership, but XXXX said they would only refund me one month 's fee ( XXXX ). I was then bounced back and forth between XXXX and American Express customer service agents. Both companies refused to refund me the XXXX and XXXX fees. - American Express and XXXX should never have enrolled me in a membership service that charged me without my consent. I should not have to opt out of paying for an allegedly " complimentary '' service that is nothing of the sort. American Express, in partnership with XXXX, behaved in an unfair and deceptive manner. I have no doubt that there must be other American Express customers who are affected. I would not be surprised if American Express was receiving some kind of kickback from XXXX for signing AmEx clients up for an XXXX membership without the clients ' consent.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hello, XXXX or whatever your name is. You seem confused so let me re-iterate. I informed you that your company illegally refused to close a fraudulently opened account without illegally forcing me to agree to terms I was not subject to. Since you are relaunching a fraud investigation but also refuse to log this illegal behavior by your company let me help you. I have reported your company 's illegal action to the DOJ as well asthe State AG + office of Consumer Complaint Department of New York. Oh and since it's already logged you refuse to take accountability and I assume you personally already listened to the audio and have no problem with your employee 's illegal behavior it involved you too. I want to inform you I am asking now, in written form, which under Georgia law you have 30 days to reply to, for your insurers information. You have victimized me criminally and illegally neglected your companies fiduciary duty to me and I want to make a claim. You have 30 days to comply under Georgia State Law before I inform the Georgia State AG of you have refused to comply. Your company 's representatives have tortuously interfered with my ability to conduct business due to your illegal actions for which American Express is liable for and which I have laid out here. Your company Illegally intimidated and coerced me to agree to terms to terminate a fraudulently opened account in violations of your legal and fiduciary duty, for which your company is liable. Now again I informed your company of criminal behavior, Illegal on both state and federal level, XXXX XXXX and want to note now, you have obviously researched this and refuse to acknowledge it. Thank you for that confirmation. XXXX XXXX
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2022 i was charged {$640.00} for XXXX XXXX XXXX XXXX. The charge was not authorized by me nor did i have knowledge of this charge and is therefore fraud. I called the company and was told the card was not present for the transaction and was made by a man. Im a woman and i was in the hospital at the time with covid. The establishment where the charge occured is also over an hour from my home. I filed a complaint on XX/XX/2022 and it was denied. I've filed another complaint on XX/XX/XXXX, XXXX im waiting to hear back. I want my money back since this is fraud.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have auto pay set up on ALL my American Express accounts. My auto pay, for example, on the Hilton Honors account is set to a fixed amount of {$50.00} per month, 15 days after statement closing. Per the agreement dated XX/XX/2021 : If I select the " Other Amount '' automatic payment option, American Express will debit my Designated Account for the dollar Amount that I have specified, except as provided herein. IF THE OTHER AMOUNT IS LESS THAN THE MINIMUM PAYMENT DUE IN ANY BILLING PERIOD, AMERICAN EXPRESS WILL INCREASE THE DEBITED AMOUNT TO THE MINIMUM PAYMENT DUE FOR THAT BILLING PERIOD. If the Other Amount I have chosen is greater than the New Balance on my American Express Card account, then American Express will debit the New Balance on my account. There have now been multiple times that American Express did NOT automatically increase the " other Amount '' to the minimum payment due. This results in late fees of {$29.00}. In 2021, the same issue occurred over a 5 month period, resulting in a penalty interest rate. American Express at that time argued that the agreement they see states the Other Amount remains fixed. Eventually this issue was resolved and I was told they would investigate the issue why the payment was not increased. This month, AMEX again did not automatically adjust the payment as my minimum due was {$58.00}. This results in yet another {$29.00} fee, but the " late '' incident also counts towards their ability to raise interest to the penalty rate. They need to fix this deceptive practice. The give an agreement and yet do not follow their pwn policies, charging customer late fees and penalty interest when they should not.
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Good morning, Around XXXX & XXXX I went through some health issues & spent most of my time going to the doctor because they were not able to figure out what was wrong with me. I had to go specialists from XXXX XXXX XXXX XXXX XXXX XXXX, countless of blood work & so on. As you can imagine it was the hardest moment of my life & was not able to pay in time to my credit cards. Credit cards providers were called & explained the situation but no one was willing to work with me unfortunately. after many calls & good faith letters they were not able to remove those late payments. Time passed & was able to get back on my feet, all credit cards were paid off & balances were taken down. It has been 3 4 years since my fallout & no payment has been missed, everything was working wonderfully until we tried to purchase our first home. Hurts my heart that after all I went through to pay each and every creditor those late payments are still hurting my credit & not letting me & my family move forward. if my case was were I did not pay them I would take full ownership of my actions & in this case it does not apply to me. It would be life changing literally if you could help me take the next step forward. Please consider my words, actions & help me to the best of your abilities. Following accounts have reported late payment in the past. XXXX XXXX XX/XX/XXXX - 30 days Past due payment XXXX XX/XX/XXXX - 60 days Past due payments XXXX XXXX XXXX - XXXX XXXX 30 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days past due payments American Express XXXX XXXX- 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due payments XXXX XXXX I lost my job right after I purchased the car & had to work my way around to prioritize my bills. car is now paid in full. XX/XX/XXXX - 30 days past due XXXX & XX/XX/XXXX - 30 days past due payment. Thank you so much & have a blessed day!
Company Response:
State: GA
Zip: 30507
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A