Date Received: 2022-04-07
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I have an American Express Serve card that I acquired in 2017. I have paid the monthly fee for 5 years and after a traumatic car accident I need to use the card. I deposited a check for {$190.00}. I paid a {$5.00} processing fee to have the funds available in minutes. After an hour the funds were available according to the account status. The card would not work, I am not able to make a purchase or withdrawl cash. I'm unable to send the funds to a XXXX for pickup. Now they have added a fraud alert and won't release my funds. I have called dozens of times, most times they disconnect the line while on hold. I am XXXX and XXXX now as am not the only person who I have found has this problem with their Serve card with American Express.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been complaining about American Express for two years. This all began several years ago when i signed up for XXXX XXXX. XXXX XXXX was a credit repair law firm that helps consumers improve credit scores. The program offers a number of strategies and forms to ensure consumers maintain good credit. One of the forms and strategies is to file opt-out to bureaus to obtain relief from creditor solicitations. I filed both of the opt-out requests ( XXXX and XXXX ). American Express subsequently sent me a number of solicitations and advertisements. The counsel at American Express has denied the allegations and stated that it was not ever a violation. It was corrected and the issue is no longer. During the violations of the opt-out requests, i signed up for three American Express applications . ( one reason that XXXX XXXX tells customers to opt-out, is because some consumers have an inability to control spending. thus, they receive an application for credit and fill it out to spend money. part of credit repair includes budgeting and managing temptation to spend money on credit cards ) I have pulled two pieces of information from law and from the courts. The first is an example of fair credit reporting violation. The second is the law governing how creditors obtain information. 185. OrderSetting discovery, pretrial, and trial datesObtaining credit information under false pretensesViolation of Fair Credit Reporting Act 15 U.S. Code 1681q - Obtaining information under false pretenses- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. It is my belief that by violating the consumer protection laws surrounding the opt out that the creditor American Express obtained my credit information and submitted three inquires to the bureaus. American Express has refused to remove those inquiries from my report in the past. It is my belief that American Express has not done enough to rectify the violations against me.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Date XX/XX/2022 Paid American Express Hilton ( AXH ) {$4100.00} On XX/XX/2022 I called American Express Hilton to explain the error, and explain to them that I meant to Pay ( AXH ) {$170.00} and {$4000.00} to my American Express Delta ( AXD ) I was told no problem we ( American Express ) can transfer {$4000.00} to your ( AXD ) and that it will take 24-48 hours. Today I looked and the credit is still on ( AXH ) 72 hours later. Called today XX/XX/2022 to ask what is the hold up. Now, American Express is telling me that the transfer is going to take 5-7 business days. I think this is a deceptive practice and all they are doing is collecting more interest on my ( AXD ) credit card. I asked how long does it take to refund my credit and they said 2-3 business days. So they can refund my money in 2-3 business days, but they can not do an internal transfer and that is going to take 5.-7 business days. I asked for my money to be returned ... but again I think this is deceptive practice and they are collecting more interest payments. I would like this researched because this practice is very unfair to consumers.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I had a payment of {$5600.00} due but only paid {$3000.00} - the next day ( XX/XX/XXXX ) I paid the remaining balance of {$2600.00} and was charged {$43.00} in interest. The subsequent month ( XX/XX/XXXX ) I was again charged {$29.00} for additional interest on the previous late payment despite my balance being paid in full.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 around XXXX, my credit was ran for american express twice
Company Response:
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been an Amex cardmember since XXXX and recently opened a new account. As part of this I assumed that the automatic payment set up on my other card would continue onto my new card. Only after the payment date passed did I learn that this was not the case. On XX/XX/XXXX I called and requested that the late fee be waived for this misunderstanding and this was done. During this call, I was not told that I would be charged interest and that the interest would continue. To date, I was charged {$180.00} in interest fees on XX/XX/XXXX ( with more coming on in XXXX bill ). Had I known that interest would continue to be charged, I could have changed my card usage. In a phone call on XX/XX/XXXX, I requested that the exact calculation for how the interest charge was calculated and was told that this is not possible. Without knowing the correct formula with the actual numbers used, I can not know if I am being charged correctly. Based upon my usage until the date of XX/XX/XXXX when I made payment to AMEX, I should be charged no more than {$71.00} ( this is the outstanding balance on XX/XX/XXXX of {$4600.00} x the daily compound of an XXXX of 18.24 % ). All interest charges beyond that should be credited back to me.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my full balance using AMEX 's mobile app, prior to it being do in XXXX of 2021, prior to leaving the country for a long trip. When I returned, I discovered that American Express never applied the payment of {$1100.00} USD. In spite of filing numerous, repeated complaints with AMEX, as well as attempting to resolve the matter through legal professionals, AMEX will not acknowledge the payment and has charged me fees, interest, as well as I have now lost the additional sum AGAIN, because I had to pay my balance to XXXX to stop the interest. AMEX rarely responded to my claims and never contacted me or my lawyer by email as promised or through messages on the app. I have the original ACH File with all the data from the transfer from my Credit Union, as well as my statements showing the money went to AMEX. I am now out my time and money and additional legal fees, as well as AMEX charging me a annual fee long after I would have dumped this lousy account due to bad service if I COULD ONLY RESOLVE THIS GODFORSAKEN ISSUE. It is appalling to me that a multinational company can literally just openly steal their clients money and nothing is done to stop them. DO NOT DO BUSINESS WITH AMERICAN EXPRESS!
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I purchased a XXXX XXXX card, wanted to test the viability of the product offering ... and this issue is a HUGE strike against the product offering. Strike ONE I loaded {$500.00} on the card and began using it, the card became unusable and I began researching the money loss to discover $ XXXX sitting in pending charges, unrefunded holds on the card... I have made attempts to contact American Express and have gotten nothing but an automated system that doesn't address the problem, nor provide a solution to a problem a computer does not understand. Strike TWO
Company Response:
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
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: I purchased two XXXX XXXX tickets as well as travel insurance The tickets were purchased through American Express Travel The tickets were charged to my American Express card The travel insurance was purchased through American Express Travel Insurance The travel insurance was charged to my American Express card In XX/XX/XXXX I booked two round trip tickets from XXXX XXXX, California to XXXX, XXXX. Unknown to me at the time the borders of XXXX were not open to travelers from the United States and did not open until XX/XX/XXXX. Upon learning this I attempted to cancel the reservation. I was unable to actually speak to a human being at American Express Travel Services and, upon desperation, I attempted and succeeded in canceling the reservations on line. Since the time of the cancelation I have attempted to resolve a refund with each of the entities noted above. To date I have been completely unsuccessful. Getting XXXX resolution from any American Express entity, I tried to speak to representatives of XXXX directly only to be told " you must work through American Express, we can not talk to you ''. In frustration I contested the charge card charges in that I was sold two tickets which had no value. The dispute was dismissed by American Express immediately. As you will see from the attached documentation I have been receiving emails from American Express Travel since XX/XX/XXXX regarding the inability of American Express Travel to access the " portal site registration of XXXX XXXX ''. I have no idea what this means and I have confirmed with XXXX they have no idea what it means either.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I submitted an on-line payment. The next day it was returned and I realized I had forgotten to record a payment to another creditor. I contacted American Express and asked them not to resubmit the ACH. I was assured that the notation had been made. Two days later, they submitted the ACH again. I called again and was told that my bank would have to cancel further ACH request. My bank told me this was not possible as American Express generated the payment. I called American Express again and was informed that there was no way to stop the ACH automatic resubmissions. In this day and age, I do not believe that they can not stop automatic payments. I incurred {$100.00} in overdraft fees. I agree with the first fee as I did make the error ( however my bank was kind enough to refund that fee ). American Express should have been able to cease the resubmissions. My payment was not due for another two weeks so I wanted to wait before submitting a new payment. American Express has also charged me a {$29.00} return payment fee. Since they just tried to resubmit again, I am certain they will charge me another fee.
Company Response:
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A