Date Received: 2022-03-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX application was turn down due few false things they claimed they saw on my XXXX credit report and I dont have a high amounts on my credit cards and I dont have large amount of inquiries reported on my credit file. And my balances on my credit cards are not too high .. this is discrimination and I want to voice my opinion how America express is treating customers based on there skin of XXXX .. and i no longer interested in applying for America express Im asking them to remove my inquiries
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a XXXX AMEX XXXX that offered XXXX miles if I signed up and paid the flights fees. After I signed up it would not allow me to book the flight
Company Response:
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
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: In XXXX of XXXX, I prepaid a 7 day trip that was 100 % money back guaranteed for accurate description of a boat charter. On the first day of the trip, we realized that we were conned and the boat was no where near what was described. We threatened the police and XXXX XXXX. The vendor apologized and said they would make things right. We called AMEX within hours, appalled by the actions of the vendor and the fraud.AMEX reversed the charges claiming that they had our backs. XXXX month later the vendor makes up falsified invoices and provides a false narrative that we abandoned the boat and that they would keep {$10000.00} of the {$19000.00} we paid. We opened a dispute process with AMEX proving the size of the boat, pictures, no AC, date of boat built etc AND the actual invoices and actual REFUND policy which we followed to the letter. We worked on this for months while AMEX saying if we prove all this we would be fine. Nothing we provide did anything. They let the fraudulent vendor keep the {$10000.00} and closed the case. They told us to go to arbitration for that amount, in which we just started process. After case is closed in XXXX ( after 7 months ) they took the additional XXXX which the vendor had always agreed we could have. Now AMEX took the full XXXX and says the case is closed. Even when the vendor never wanted the full amount. The vendor now will fraudulently keep all the money and never return a XXXX. Amex dispute process was a joke and they never evaluated any of the evidence. Even evidence from the XXXX XXXX and satellite images proving that on top of everything the boat was double booked. Even the evidence of the vendor changing wording on the refund policy and altering the invoice ( ie ; number of people, amount paid and commission altered ). We would like to report AMEX for not protecting their customer and having a futile process that does not evaluate evidence. Not only that, incorrectly overcharges the customer for an amount that was not even asked by the vendor. They will not help us with this saying the case is closed and its beyond the date to open a new dispute process.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had an American Express Gold card for 12 years, And the past 3 years Obtain a Business Amex Card. During the pandemic the predatory lending of Amex customer service advised I open a XXXX amex XXXX and a XXXX Amex XXXX being, they were monitoring my spending habits ( Violations ) however upon opening the cards in XXXX and XXXX when I used them. I made payments to my American Express XXXX. I didnt not specify the card to be paid because there was only XXXX card that had a balance Since the Amex had Closed all of my accounts since XXXX without confirmed notification. This has become an undue hardship, it has impacted my life and way of living.
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A huge annual fee of {$250.00} was charge for a credit card I do not use and they refused to refund when canceling card.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX taking more than 30days to reply to misreporting on a late payment that was removed by my creditors American Express and deemed on time. Contacted American Express and they mentioned only XXXX can take it off. Disputed it twice and no response or deletion. XXXX said I had to reach out to American Express. Enrolled in financial relief program and had late payments incorrectly still reported as late. Never missed a payment when enrolled and program and yet still received late payments on credit report. Please delete this false reporting
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed XXXX XXXX credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My with American Express are in good standing by not being in default or delinquent so adverse action does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and anxiety since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I spoke with XXXX from customer service who indicated that my yearly membership fee would not be charged again until XXXX of XXXX. Shortly thereafter, on XX/XX/XXXX, I was charged a renewal fee. On XX/XX/XXXX, I complained about the fee to customer service representative XXXX. She reassured me that if I downgraded my card that my previously earned/received promotions would not be impacted. The connection towards the end of the call was faulty and she was very hard to understand. A few days later I received an email from customer service which was contrary to what XXXX informed me. The email informed me that I was being penalized for downgrading my card. Multiple additional calls were made to customer service, wherein supervisors agreed that I was not being treated properly, that I was mis-informed and that I would receive a resolution by the end of XXXX. On XX/XX/XXXX I contacted AMEX CEO XXXX XXXX by emailing him at XXXX On XX/XX/XXXX XXXX XXXX responded to my e-mail that I will have someone in my office look into this. American Express Executive Customer Care representative XXXX XXXX contacted me and stated that I would receive a response by XX/XX/XXXX. On XX/XX/XXXX I emailed XXXX XXXX to inform him that XXXX XXXX XXXX XXXX missed his deadline and that he was not taking the investigation seriously. On XX/XX/XXXX, XXXX XXXX informed me that he concluded his investigation and without a rational justification that he was not ruling in my favor. He was disrespectful, uninformed and unprepared. Upon information and belief he did not listen to all of the relevant calls and he made an adverse, unreasonable and unjust decision in retaliation against my complaint about the way he was handling the matter CEO XXXX. He refused my request to transfer the investigation to a disinterested and competent employee. I subsequently emailed AMEX and XXXX XXXX the following on XX/XX/XXXX : Can you please have a disinterested executive representative review XXXX XXXX American Express Executive Customer Cares call from today XX/XX/XXXX starting at XXXX P.M. He was disrespectful, unprofessional and clearly was upset that Ive complained on him on multiple occasions. It should be noted that I requested during the beginning of todays call, because it was clear that XXXX XXXX was getting nasty, for another representative to please assist. XXXX XXXX refused to allow me to deal with another representative. I do not believe that I was treated properly and I am disappointed with how AMEX has handled this situation. He did not conduct a fair and through investigation and was upset that I complained about his failure to communicate and do what he promised. I would like the call with XXXX XXXX reviewed. He is abusing his position as an executive. The call started on XX/XX/XXXX at XXXX pm EST. I believe a review of this call will indicate concerns with XXXX XXXX approach with customers, I would be surprised if amex supports customer abuse by executive reps. I am also requesting closure of all of my accounts before the next billing cycle starts. I feel that in the interest of avoiding future victims of representatives conveying false and material information that it is necessary for CFPD to conduct an investigation.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A charge was placed on my credit card for bringing my service animal to a rental property. The rental company XXXX XXXX XXXX XXXX XXXX stated they have a strict no pets policy and they do not care if I have a service animal. Since this is illegal and in violation of the ADA title II & III I disputed it with American Express. American Express has stated that the rental companies policy supersedes the federal law. This is a class b misdemeanor in Texas as well as federal law. I did not authorize the charge and I can not agree to terms of any contract that are illegal. Again this is not a pet or an emotional support animal it is a service animal it and I are both legally protected from receiving charges for my animals presence.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
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: My name is XXXX XXXX. I purchased two roundtrip flights through Amex Travel with departure date of XX/XX/2022 and return date of XX/XX/2022. The flight was from XXXX to XXXX XXXX with a layover in XXXX. We get on the plane on the XXXX XXXX XXXX and landed in XXXX where our flight was canceled. So we had to get a hotel and wait for the next morning to get on the flight we were rebooked too. That flight was canceled and subsequently the next 4 flights we were rebooked too. We never ended up getting to go to XXXX XXXX. We got stuck in the XXXX airport until the XXXX where they finally were able to get us a ticket back to XXXX. All I have been trying to do since XX/XX/XXXX is get my refund for the tickets I purchased that I could not go too. I am going to look pass the countless XXXX I had to take back and forth from the hotel and airport due to the airlines canceling the flight each time 10 mins prior to the flight flying out. I have been calling Amex for the pass month trying to resolve this they keep putting me on hold, transferring me to someone else, they put me on hold, transfer me to someone else and then eventually I get stuck on hold with no one returning to the phone and I have to repeat the whole process. I have this feeling they are doing it on purpose. They are wasting my time, stealing my money, and not trying to reconcile the issue.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A