Date Received: 2022-03-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: American Express ( AmEx ) denied a request to increase my credit limit today. They send me a letter explaining their decision was made based on information provided by XXXX dated from XX/XX/XXXX, showing a XXXX score of XXXX. After spending 5+ hours with them over the phone, AmEx assured me that my credit information had been requested to XXXX as of today, XX/XX/2022. The problem is that my current XXXX score with XXXX is XXXX. I have a membership with XXXX giving me live access to my XXXX score. I then called XXXX for explanations and they advised that they were never contacted by AmEx today. Had they been contacted, they said they would have sent my latest credit report information dated as of XX/XX/XXXX to AmEx showing a higher XXXX score of XXXX. The fact that AmEx based their credit line increase decision on outdated information and then lied about how they supposedly obtained this information is very disappointing. Moreover, this resulted in me being unfairly denied access to a higher line of credit, despite my good credit profile and income. The fact that many consumers out there have been provided higher credit lines by AmEx with less attractive credit profile make me wonder if any type of credit discrimination was at play here ( I have friends with lower XXXX score and much lower income who have much higher lines of credits from AmEx on a similar product ).
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
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 purchased from American Express Travel 4 multi-city tickets from and back to XXXX XXXX XXXX with XXXX. I paid {$2200.00} for each ticket. We were to depart on XX/XX/XXXX, and to return on XX/XX/XXXX. Due to COVID-19-related travel restrictions, I canceled the tickets on XX/XX/XXXX. Starting in XXXX of XXXX, I have been calling AMEX XXXX and XXXX to inquire about a refund. XXXX would refer me back to AMEX because I had paid for my tickets to them and not to XXXX. In turn, AMEX told me that I should try to get a refund from XXXX because the airline had taken " ownership of the reservation ''. In XX/XX/XXXX I placed a dispute for the purchase price with AMEX, for which I received a credit. I was charged for the four tickets again in XX/XX/XXXX. A second dispute between XXXX and XX/XX/XXXX had the same result. In XX/XX/XXXX, I was able to speak to an AMEX Travel supervisor called XXXX. She got in contact with XXXX and told me that XXXX would issue the refund and that it would take up to 12 weeks to show up in my statement. A refund for two of the tickets appeared on my statement on XX/XX/XXXX. On or about XX/XX/XXXX ( about 15 weeks after I was told the refund could take up to 12 weeks ) I called AMEX again. The supervisor tried to get me to solve the situation with XXXX. I told him that we have already done that and that a partial refund had already been issued. My last communication with AMEX was via email. AMEX acknowledged that XXXX issued the refund but that there was no date for the credit to appear on my card. As of XX/XX/XXXX, AMEX has not refunded me.
Company Response:
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An unauthorized transaction was made with my card at a XXXX website. I did not use any of the services at XXXX and XXXX refuse to give me my refund or credit back. XXXX and American Express company said that the XXXX website has a no refund policy. Therefore the case is closed. And no refund was credited back to my credit card. This is fraudulent activity to be able take customers money without them using XXXX services is bad practice.
Company Response:
State: FL
Zip: 34212
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Extended full faith and credit to American express for a consumer credit transaction and was denied allegedly for cancelled accounts in absence of verifiable tax forms. Notice of cancellation was accepted for value as verifiable acquittance by Amex and requested reconsideration pursuant to the Equal credit opportunity act. denied Equal Credit. Faxed over supporting documents titled notice of credit discrimination liability to XXXX delivered on XX/XX/22 and have not received consideration in accordance to Consumer Protection laws.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My income tax return of XXXX went on my Bluebird Prepaid American Express account and I can not access my money online, from my card in any way or reach customer service that they don't hang up on me after sitting on hold for hours at a time.
Company Response:
State: NM
Zip: 882XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Previous Complaint # XXXX was closed without allowing me to provide counter input related to the company 's response issued on XX/XX/XXXX. In the response letter ( reference # XXXX ) from company, the company argued that " when there is a request made by one of our Card Members to refund a credit amount, we process the request, if the minimum payment is satisfied, we will honor the request. When you requested the credits back from us, there was no reason to decline your request. '' However, what I requested on was to REFUND the available credit on my account, and I NEVER asked for CASH ADVANCE for extra credits than should/ could be refunded. By legal definition, REFUND means to pay back by the party who has received it, to the party who has paid it, money which ought not to have been paid. On XX/XX/XXXX when I requested for REFUND, I was instructed by customer service representative that {$33000.00} was the AVAILABLE credit balance that could be REFUNDED. If that was the correct amount could be REFUNDED, I would not have owed anything from the bank and I would not have been charged {$8900.00} in next statement to pay back American Express. The fact that American Express asked me in next statement for {$8900.00} to pay them back implied that American Express representative either provided wrong information about the available credit balance that could be REFUNDED, or incorrectly interpreted my verbal authorization for REFUND and approved / processed a large amount of debit off my account which is {$8900.00} more than the available balance that could be REFUNDED. Such amount of {$8900.00} should have been processed as CASH ADVANCE transaction, which I never asked for or authorized. Therefore, I argued that the {$8900.00} should have been a CASH ADVANCE transaction which I never asked for or authorized. It was processed as bank error and the bank should waive any interest or fee associated with such error.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have setup automatic payments with American Express for several months. I do this in order to 1 ) pay off the full balance my credit card every month and 2 ) avoid interest charges. For my statement ending on XXXX, my automatic payment of {$6200.00} was processed via auto pay XXXX. I was under the impression that this would prevent me from being charged interest afterward. However, I was assessed an interest charge of {$280.00} on XX/XX/XXXX. I called American Express to try to fix this issue and they were of no help. They essentially told me they can not guarantee interest will not be charged after an autopay is made. This practice does not seem fair to me as a consumer. If paying off the full balance by the due date does not prevent interest charges, what does?
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Good Morning, For the last 3 days I have been unable to access funds on my card. I initially attempted to withdraw money from an ATM that I have utilized numerous times. According to the e-mail sent by pre-paid card company ( XXXX ) it got flagged as suspicious activity. They sent me an e-mail ( no text ) notifying me of denial and prompted me to call them by phone. For the last 3 days I have made repeated calls at all hours of the days, been on hold for over 12 hours, and been unsuccessful in establishing contact. While on hold, automated operator insists that issue may be simply resolved by responding to e-mail or text but no text was received and e-mail specifically instructs that a phone call be placed to them. They have no e-mail I can directly respond to so issue can be resolved or grievance made. This has happened on numerous occasions and ever since they started their text resolution system, their phone operators do not respond. This is not the first time this happens. It has happened numerous times at ATM locations that have been utilized numerous times. Back then ( 6 months ago ) phone calls were placed and eventually answer ed but no specific reason as to why it was flagged or why it was considered suspicious activity. Their representatives are not very knowledgable about their product and appear to reading of a prompt. No financial institution should have the right to block access to a persons funds without a. justifiable reason and when called on it, not respond. I understand safeguards should be in place to attempt and protect their cardholders but those safeguards should not cause unforeseen hardship and lost time. This is ridiculous. How can they block access to funds without providing a justifiable explanation as to why something was flagged as suspicious activity? They should compensate their clients for every hour of wait time they have to go through attempting to establish contact due to their problematic system.
Company Response:
State: CA
Zip: 95695
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/22 I was denied a credit card application from Amex XXXX XXXX. They said We are writing to let you know that, unfortunately, we can not approve your application at this time.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had a Bluebird by American Express debit card for a few years ( I primarily use it to make purchases online as to not display my checking account information or major credit cards online ). Every month my card has been restricted advising that I am making too many transactions. I recently requested a new card and was told by the activation representative that my personal information was incorrect and I should call back once I had the correct information to provide. She then terminated the call on me. I called back and requested to speak to a supervisor for further assistance as my information has not changed. I was advised by the agent that he would assist me rather than getting me to a supervisor but after 20 minutes on hold he then advised that he would need to transfer my call to a supervisor ( which I requested at the start of my second phone call ). I am currently still holding for a supervisor.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A