Date Received: 2022-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: American Express had a $ XXXX/month statement credit for using XXXX ( for platinum cared " members '' ) Turns out as of XX/XX/2021 they changed that credit and signed me ( and I assume many many others ) to an XXXX subscription with no notice, for $ XXXX/month. When I inquired, Amex made it incredibly difficult to contest the charge, taking more than 2 hours and multiple reps and at least one supervisor to NOT resolve the issue. When Amex told me I signed up for it, there's NO PLACE ON AMEX 's site to unenroll. They told to unenroll on XXXX 's site, but I'm not enrolled via XXXX 's site. How do I know? because I can't unenroll and it offers me to ENROLL. Btw XXXX is even worse only way to contact customer service is via XXXX. Not their app, not their website.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted American express 2 months ago in attempt to try to resolve this matter.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XX/XX/XXXX I filed a fraud complaint with Amex on my bluebird card ending in XXXX. There was a charge from XXXX XXXX XXXX for XXXX I didn't authorize this transaction. It is a scam preying on Amex cardholders. There is no such club. They said their investigation could take up to 45 days, time is up. I ve tried calling several times including a couple times waiting 1 hour or more, to be disconnected without anyone answering. I realize they don't care about their customers since most cardholders can't get an active checking account. I am not one of those people, I just use it to get my check faster. Had to pay XXXX to have my card XXXX XXXX after not getting the new one after 2 weeks. The customer service was the worst ever.
Company Response:
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: It has come to my attention that AMERICAN EXPRESS has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an adverse action pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the consumer credit transaction using my credit card pursuant to 15 USC 1602 ( L ) making AMERICAN EXPRESS an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means AMERICAN EXPRESS benefitted from the transaction. I am the one who extended credit through the credit application. AMERICAN EXPRESS used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. AMERICAN EXPRESS is civilly liable for violations of TILA pursuant to 15 USC 1640. AMERICAN EXPRESS is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved and to operate the account in open ended status. I demand my card be mailed to the location information provided.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for credit and was denied, my denial letter is proof I was discriminated against. Amex should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I was informed that I have no access to my money. The Bluebird American Express prepaid card never sent me a replacement card, after my card expired. As a result, I have no access to my funds for emergency use. It is my ( the customer 's money ). Perhaps the Bluebird American Express policies and practices need to be investigated. It's like they are locking the customer 's money. I should be able to transfer for an emergency use, I don't think this company wants negative TV media attention or a congressional leader to call them out. I take this very serious as it involves a lot of money tied to this card. I did a search and see that ( XXXX XXXX ) is the CEO of American Express. Perhaps he needs to be contacted about this matter, prior to me taking further steps to access my money. I've been a bluebird American Express customer for a very long time. I also provided them with the USPS updated address XXXX XXXX XXXX, XXXX NJ XXXX. Please attempt to resolve this matter, since I am unable to access my money.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: Have called numerous times American Express serve card customer service always puts me on hold and no one has returned my emails or answers my calls while on hold some days I have been on hold longer than an hour
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I've recently noticed through an email that I have a Serve American Express prepaid debit card in my name. The problem is I've NEVER signed up for a prepaid debit card EVER! So I'm trying to understand how there is a card in my name. The email I received said that my account statement is now available. I tried to see the statement to see what all kind of purchsces has been made but it requires a username & password that I do not have due to the fact that I'm not the one who opened the account. So that mean someone has applied for a prepaid debit card with my name & I'm TERRIFIED! I received the email on the XXXX of XX/XX/2022 which was approximately 2 weeks ago. I need answers on how this happened & what I can do to fix this issue.
Company Response:
State: AR
Zip: 72204
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I submitted a complaint with CFPB XX/XX/XXXX, The company did not FULLY investigate my fraud claim and hastily sent a response that they did and my claim was unfounded which is untrue. The investigated the wrong card as well. When I checked with CFPB I seen my claim was closed with that same letter I received from the company as the reason for the closure. As i said before I reached out to the CFPB because of the lack of rsponse from this company. To date the company refuses to answer my concerns which I find alarming. I've yet to be able to speak to a human concerning the initial XX/XX/XXXX complaint Beside having my calls dropped, I been connected to lines that are never answered. Only contact numbers involved XXXX XXXX XXXX XXXX XXXX XXXX Its as if the company as well as CFPB didn't even read my complaint. Original text : YOUR COMPLAINT On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress XXXX bank acct. Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. I immediately opened my mobile acct and seen 4 un-authorized withdrawls were recently made by ATM in the XXXX XXXX XXXX, NY. After placing a freeze on my acct I contacted XXXX XXXX XXXX. I notified them that I had experienced this same type of fraud an previous time with my XXXX acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my XXXX card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY DOT XXXX XXXX After making my initial contact with XXXX cust service, I have been unable to reach anyone at the telephone I made the claim. Past 10 days the automated number disconnects when you request to beconnected an agent. I just received a letter from XXXX stating after their investigation they were declining my claim on card ending XXXX. The card with un-authorized charges ended with XXXX. Card ending XXXX is the replacement card Ive yet to receive. I would appreciate any help you can extend. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Complaint I purchased an upgrade to my AMEX card based on the offer given to me, then AMEX did not honor the offer. In XX/XX/XXXX I received the attached offer to upgrade my AMEX Platinum card. I have been an AMEX member for +10 years, and my wife and XXXX daughters also have platinum cards. The offer was if I upgraded to the Delta Reserve SKYMILES Reserve Card and spent at least {$4000.00} over the next 6 months then I would receive a {$300.00} credit plus XXXX bonus miles. I called AMEX on XX/XX/XXXX and asked if a purchase I made over the prior weekend could count towards the {$4000.00} spending requirement to earn the promotion as offered. I was told that only purchases AFTER I selected the upgrade would count. On XX/XX/XXXX I called AMEX again, asked for the promotional offer, and upgraded the card. From XX/XX/XXXX to XX/XX/XXXX ( today ) I have spent over {$30000.00} on my AMEX card, which more that qualifies me for the offer. In fact, I exceeded the {$4000.00} requirement before XX/XX/XXXX. I began calling AMEX the week of XXXX XXXX to confirm that I had earned my promotion. Since that time I have spoken to numerous customer service people in the US and abroad, and supervisors int eh complaint resolution department. I was told that the {$300.00} credit had been applied to my account and that the XXXXXXXX XXXX were pending, but I never saw either transaction on my account. When I complained on this matter, I was told a customer service manager who could assist me would call me directly, and the call never occurred. So I would call back and the entire process would begin again with now resolution. Finally on XX/XX/XXXX I had had enough. I held on the phone for over 45 minutes until I could speak with XXXX, who said he was the senior resolution person who could handle my situation. He stated that I did not qualify for the offer and no credit or Sky Miles points were being given and that was the final position of AMEX. This is clearly bad business practices, and bait and switch to offer a false offer personalized to me in writing and then not offer the reward. I spent over {$160000.00} on my AMEX card last year, and I want the promotion I earned plus a formal apology from a senior member of the Corporation. Thank you
Company Response:
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A