Date Received: 2022-04-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am an XXXX XXXX military member, and am verified in the Military Lending Act database as an XXXX XXXX military member. I opened XXXX cards ( American Express XXXX, Gold, and Blue Cash Preferred ) under the pretext that I would be granted MLA benefits including waiving the annual fee for all three of these cards. Annually, the fee for the XXXX card was increased from {$550.00} to {$690.00}, the XXXX card is {$250.00}, and the XXXX XXXX XXXX card is {$95.00}. I am now being charged {$1000.00} annual for these cards while being eligible for these fees to be waived. An automatic inquiry is opened to determine SCRA/MLA benefits when the card is opened. That report came back stating I was ineligible for both. It is true that I am ineligible for SCRA benefits since I opened these cards while on XXXX XXXX, but I am eligible for MLA benefits. After learning I was denied, I submitted another dispute the same month that the cards were opened, XX/XX/XXXX. That came back saying I was denied again with no reasoning articulated. I called and talked to representatives. They told me to submit again. I did in XX/XX/XXXX and was denied again with no reasoning articulated. I repeated this process three or fouXXXX more times, with the latest being this month -- XX/XX/XXXX, and was denied again each time. I called American Express numerous times to try to resolve this. Most times I was told there was nothing they could do and it was an internal branch of the company with no direct contact with customers. I just wanted an explanation as to why I was denied. Once I worked with a representative who was convinced I was right in my claim that I was eligible for MLA benefits. She was so convinced that she herself refunded me one annual fee for the XXXX card through her supervisor and then sent up a complaint the the MLA team. She told me that they said that I was ineligible because the benefit wasn't applied to my account within 18 months of account opening, even though I have been trying to secure these benefits since the month that I opened them. She was still convinced I was eligible and promised to keep working with me and the MLA team to find a solution. We had email correspondence but eventually she completed stopped replying to my emails and I haven't heard from here in about a month. I want the MLA benefits that I am entitled to applied to my account, but the bureaucracy of the MLA team is getting in the way of finding a solution. I have tried numerous times over the course of two years to sort this out through American Express and have gotten absolutely nowhere. I am wrongfully being denied MLA benefits that I am entitled to as an XXXX XXXX service member.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I attempted to open a business account on American Expresss platform called Kabbage. They claim this is a very easy process and that credit worthiness is not a factor in their decisions. There is no detailed information about what is needed to open the account. I filled out the form online. I uploaded my business incorporation documents, as requested by the form. I was asked to provide further information but it was not told what kind of information was being looked for. I uploaded everything that I received from the incorporation as well as my tax ID and my website. My account was not approved. I thought maybe it was because it was a brand new business and not established. So I created a new account to see if my well-established nonprofit which has consulting status at the XXXX XXXX was able to get an account. The account for the nonprofit was also not approved. I called to find out what was happening and to have my accounts on Kabbage closed since I was not approved for a checking account. I was told that the algorithm decided to not approve my account and that there was nothing the human I was speaking to could do about it. I was also informed my information would be kept and held for five years. I think it is outrageous that American Express can keep my information on file for five years but they can not tell me what requirements are necessary to open an account and the fact that robots are running their company and the humans that work there have no say in what the algorithms and robots are doing.
Company Response:
State: MI
Zip: 48706
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: At One Time I had XXXX Amex Cards, XXXX for my personal use and XXXX for Business, we had a dispute on the XXXX XXXX and Amex denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that Amex Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after XXXX written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into Amex portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into Amex the account had been assigned to XXXX XXXX XXXX, I asked the man at Amex that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and XXXX of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that AMEX and this XXXX firm has a track record of not being ethical and following the law which is very apparent in this matter. Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Amex closed all my accounts, even though I have good credit history and I paid all my debts on time for about 13 years. There are some credit balance in the closed accounts and I have asked Amex to refund those credits to my XXXX checking account three times and just received two refunds.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Im filing this complaint against AMEX Blue Catd. For the past two days, I have been dealing with Amex customer service folk on a very unfortunate issue. Back in XXXX, I was a few days late with my payment. A month later, my intrest rate was reset to 29,9 %. I was shocked, saddened and angered after speaking to Amex staff about this matter. They recognized my excellent payment history and over 50 plus year relationship with them. Amex never notified me of this ridiculous interest rate change and seem very sheepish in wanting to address it in a constructive manner. I made it very clear on the phone with Amex that my XXXX bill statement was paid but you still went ahead reset my intrest rate. I find this to be absolutely criminal as we come through a global pandemic.
Company Response:
State: PA
Zip: 19348
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Events : On Friday, XX/XX/XXXX at XXXX I received a phone call the person identified themselves being with XXXX to verify I had purchased {$8900.00} in XXXX Products. I told them I had not and it was fraud to stop the transaction. They asked if would like to be transferred to the Federal Trade Commission ( FTC ) to report fraud and I said yes that I would like to report fraud. I then spoke with a man named XXXX XXXX. ( XXXX ) He pulled up my name in his data base and said I was under investigation for suspicion of money laundering and drug trafficking. That under my name I owned 12 different homes, had 13 credit cards, 22 different bank accounts, and five XXXX accounts which I do not. He told me my name was associated with transferring XXXX XXXX in/out of the country. He told me they wanted me to cooperate with the authorities to apprehend the suspect to clear my name otherwise there would be warrant for my arrest, a lien on our home, and my assets frozen. I was told not to tell my husband or anyone as they could be a suspect. He then had me check on my laptop on the U.S. Treasury webpage to view the XXXX XXXX XXXX XXXX to protect my money so they could not freeze my assets. He asked if I would cooperate with the investigation to apprehend the suspect and I said I would to also to protect my assets.. Once my name was cleared and there was no warrant for my arrest I would then put the debit cards back into my American Express account.. He told me that I was to go to the XXXX XXXX XXXX XXXX and XXXX XXXX to obtain XXXX Gift cards in various denominations which you will see the transactions on my credit card. The amount on my American Express account is approximately {$4000.00}. Took pictures of the bar codes of the gift cards. He sent me a text picture of my arrest warrant from him at the CIA and he had me on speaker phone on my cell phone in my purse while I was in each store and in my car listening to all my conversations. If I did not follow his instructions the warrant for my arrest would be activated. I was certainly under duress. I have spoken with American Express and they have not been helpful. I have had my AMEX card sinceXX/XX/XXXX and their treatment of a loyal customer is unbelievable. I have worked for XXXX XXXX in Sales/Marketing for 30 years and I would never treat a customer in the manner that American Express has treated me in a situation that I was under duress. Thank you for any assistance you may provide and please contact me with any questions.
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022, I was in the process of booking a flight on XXXX. During the process I was offered a {$400.00} discount on that transaction, plus XXXX bonus miles if I applied for the American Express Gold Skymiles card. I applied, and was approved, and clicked the link to request the card number so that I could use it for this transaction. However, when I went to do so, the American Express site required the security number from the physical card in order to see the card number, which of course I did not have. I attempted to navigate to this number instead from the approval e-mail I received, and when I did it said that the number was not available. I contacted AmEx customer service, who told me that these cards are not available for instant access. After being elevated to a supervisor, I was offered to have the card overnighted to me, which I accepted as an alternative. However, I then discovered the supervisor canceled my other AmEx card ( XXXX XXXX XXXX ) and sent the reissue for that overnight instead. I contacted customer service, who told me that they can not expedite the XXXX card, i.e., I would not be able to use it for the flight that I'm trying to book, meaning that in order to receive the credit, I would have to book another XXXX flight on the card at a later date. Now I also can not use my other AmEx card until the replacement arrives because it was erroneously cancelled. I was not offered any further assistance. I cancelled the XXXX account since this appeared to be a bait and switch ; I would not have applied for the card had I known I would not be able to use it on that transaction, as advertised, but would have to make another XXXX purchase after my card arrived.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/XXXX I had an offer on my dashboard thru American Express with a pre-approval for a XXXX XXXX loan. I was approved and spoke to a customer service rep that day. I thought I was all set from that point going forward as she asked me if I wanted the funds to go directly into my checking account that ended in the same XXXX numbers of the account that I pay my bill from. I contacted Amex on the XXXX and I spoke to another rep asking about the status of my loan. She said that the paperwork wasn't signed but helped me thru the process and told me that it was all set. A week later I find out that the loan was canceled because I did not sign the paperwork by XXXX XX/XX/22. The customer service rep never told me that this was now an inactive application and that I would need to re apply. I have the commitment notification and the loan number ( XXXX ) stating that I was approved for the loan with the breakdown of the interest charges. However American Express says that I did not reply in time and that the loan was cancelled. I received the notifications of the loan being accepted after their deadline. I have screen shots of the whole process. I called American Express to try to resolve this and they told me that there is nothing that they could do because this is done thru an automated system, but they urged me to log back in and reapply. I did so and the offer for the loan is now only a preapproval for {$3500.00}. I find this to be unethical and as one of their XXXX claimed " Unlawful ''. American Express is known for their superior customer service and after this whole situation I feel violated and uneasy.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
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/XXXX, I prepurchased a ticket for a show in XXXX for my wife 's birthday along with her ticket. Morning of our 3 year ( now XXXX ) got sick and no one could watch her. We chose to all travel from XXXX to XXXX for the show and I stay at the hotel with our kid. I try to resale or refund the ticket with NO LUCK or any support from XXXX while I watch our toddler in another city. I open a support ticket with XXXX again, no help. I dispute with Amex, no help. I contact XXXX online, " Sorry for the inconvenience. Unfortunately, refunds are not permitted for this order. Thank you for your patience and understanding! -DE- '' I could not use the ticket due to the circumstances, resale the ticket or refund the ticket. Amex opened and closed a dispute in XXXX 's favor.
Company Response:
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
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: Number 1 : I made a reservation with XXXX XXXX XXXX XXXX in XXXX NY Almost XXXX years ago. I had to cancel the reservations because of travel restrictions implemented by the XXXX of NY. I called the hotel directly and spoke to the owner and canceled my reservations over a week before the date. I was charged with a " no-show '' fee even though I spoke directly with the owner. I contacted American Express and disputed the charge. They said the charge was " valid ''. I never authorized XXXX XXXX XXXX XXXX to charge my card, but American Express charged my card anyway. I want the money that was stolen from me and allowed to be illegally charged by AMEX. Number 2 : I sent in a payment last month even though a payment was not due because I knew there was a charge coming up. I sent the payment on the XXXX of XXXX. AMEX held the payment until the XXXX of XXXX before they applied the credit to my account. They were allowed to charge me for interest because they decided not to apply my payment when it was sent.
Company Response:
State: OR
Zip: 97060
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A