Date Received: 2022-02-22
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/2020 American Express increased the APR charged on my card from 16.99 % to 29.99 % at the very beginning of the pandemic. I was told this is a penalty APR and XXXX separate reps could not explain why or the action by myself the consumer that resulted in this change. During this period I lost my father on XX/XX/XXXX and XXXX additional family members. This was the most difficult period in my life. I continued to make payments during this period and kept my account in good standing. While many other companies took measures to help their clients during the pandemic it seems American Express looked for ways to increase their profit on the backs of their customers. In this period I was charged over {$11000.00} in interest.
Company Response:
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my credit report. someone else applied in my name.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX, I noticed that my American Express credit card had fraudulent transactions made under my XXXX 's credit card. I immediately searched to see if the credit card was still in my possession but it was not, it was stolen. I immediately logged on to my American Express account and noticed XXXX fraudulent transactions were made XXXX XXXX XXXX CA - {$100.00} THE XXXX XXXX XXXX CA - {$11.00} As soon as I saw this, I called in to American Express, reported my credit card was stolen, and disputed these transactions as I did not make them. As of today, XX/XX/21, American Express has taken absolutely no action. I called in and they told me because the charges were reported while they were pending, I was expected to call in again once they stopped being pending. This was not communicated to me when I reported these charges on XXXX. To make matters worse, American Express stated these charges will not be credited back into my account. They will only investigate the fraud claims and I will need to wait until 30 days to hear back from. These charges are still sitting in my American Express credit card account balance even though I did not make them, and thus, still makes me liable to pay for them.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
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 see a charge XX/XX/XXXX XXXX airport that is not ours. XX/XX/XXXX, I sent package for guaranteed 3 day delivery for birthday gift and as of XX/XX/XXXX it has not arrived. I wish to get refund for {$2600.00} for services not rendered. I paid certified return receipt so hopefully not lost or stolen by " porch pirates ''
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: There are two issues : - I purchased a new XXXX 's XXXX membership on my Amex card ending in XXXX on XX/XX/XXXX in the amount of {$45.00}. As part of Amex offers, there is a promotion going on which is valid until XX/XX/2022 which gives the card holders {$25.00} statement credit. I have reached out to American Express on numerous occasions and I have been told that they are currently researching it but no one has given me a satisfactory answer. I still haven't received the {$25.00} credit yet. -I converted my credit card ending in XXXX to the XXXX XXXX XXXX XXXX XXXX ' in XX/XX/2022. Based on the email offer I received, I would receive a {$150.00} statement credit if I spend {$1000.00} within the first three months. I have already spend {$1000.00} but still haven't received the statement credit yet.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
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: Filing a dispute against American Express, the following occurred : I own and operate an event planning company. I had a starting balance on XX/XX/XXXX of {$160000.00}. With all the events planned pre XXXX. Then the lock down happened and we were getting cancellations for these events. We were in constant contact with American Express to try to figure out the best way to proceed. Everything was still shut down at this point with no end in sight. We informed Amex we had no cash flow but we were expecting refunds to come in at some point because shows were cancelled but vendors were not refunding yet. Amex then sent our account to a third party collection attorney. We begged them to reconsider as we knew the credits would be coming in and legal action was NOT necessary. They would get their money and our credit would remain in good standing with Amex and we can continue a mutually positive relationship. Amex refused to listen to reason. No matter who I spoke to they all said they couldn't help despite the reassurances that " we were all in this together ''. We also had a lot of points on the card which was lost as well. After a lot of pressure and being served with legal documents stating American Express was taking us to court over the unpaid credit card we finally agreed reluctantly to pay {$20000.00} settlement. {$15000.00} up front and the remaining balance over a period of a few months. This was in XX/XX/XXXX. The balance on the account at this point was down to {$34000.00}. As I had told Amex refunds/credits were coming in and indeed they were. Our initial unpaid balance was cut by more than half, despite this our account was still considered delinquent, we still were told we couldn't use our card and we didn't have access to our points. When I reached the settlement I asked the attorneys what will happen once the credits come in and we already settled. That money should be returned to us as we reached a settlement of {$20000.00} which we paid in good faith. Whatever credits came in from XXXX XXXX of settlement on should have been paid to us. The attorneys agreed it was a unique situation for which they didn't have an answer but they felt confident Amex would work it out with us. As we tried reaching out to Amex about this issue we were given the runaround. We were told they're looking into it. They're not sure. They feel bad but they don't know how to proceed. They finally offered us a settlement in XXXX of XXXX through your office. We rejected that offer on the advice of your office as you felt you could get us more. Since XX/XX/XXXX we received {$30000.00} in refunds from vendors. Amex sent us a couple of checks. XXXX for around {$1000.00} and another for around {$400.00}. Those were credits they issued to us because the account balance was at {$0.00} and therefor they had to send us that money. Despite our pleas with Amex to look at the account as a whole rather than hard and fast rules they chose to pursue legal action and forced us to settle. We lost our ability to do business with Amex which was a major factor in our cash flow and business structure. We lost our good faith standing with them despite doing everything right. We lost our significant amount of points. And now we lost all our refunds. Please assist us in getting the money back that rightfully belongs to us.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XX/XX/2021 I paid ten thousand into a service using the American Express Business Card with that XXXX account numbers ending in XXXX XXXX XXXX XXXX XXXX XXXX is the name of the company. My limit on the card is {$10000.00}. So that limit was used. On XX/XX/2021 American Express charged an over the limit charge to the same company for {$5000.00} without my knowledge. No phone calls, no emails, no text. Though they have all of these contact information. It was not until the following bill cycle that I realized the extra charge on the card and also the threatening collection call from an American Express employee about placing the extra {$5000.00} they call, " Past Due '' on my credit report. I did not authorize this charge but I agreed to pay it off. I requested a work out plan with American Express, and they declined on several attempts to pay the over the limit amount off. I requested to be a part of a payment plan until it is resolved. I was clearly told " no '' by an employee. His employee ID is # XXXX and according to him his name is XXXX. He would not provide me his last name. When requested, XXXX would not pass me to a supervisor, or a manager to help resolve my concerns. Instead he offered that I dispute the charges. I countered that I did not authorize it and so there should be no charges. Can you give me the information to your legal counsel, I asked. He said " no ''. I told XXXX, why did not anyone call me to authorize the over the limit charge and why are you threatening my small business with bad credit reporting on a charge they made without my authority. I agreed to pay and just want them to work with me. I have never missed a payment with them and pay on time and over the amount due.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, consumer, XXXX XXXX extended credit to American Express XX/XX/2022. Theres no third party involved. I received a denial letter in the mail. Pursuant to 12 CFR 232.1, a consumer can only be denied employment or insurance. Their reasoning for the denial is NOT a valid reason according to Title 15. A FICO score doesnt have to do with anything a credit transaction. I sent off a letter on XX/XX/2022 informing them that I reject the our contract agreement. Yes, it is a contract because I gave them an application which is considered a financial asset. If they do not reconsider, I will pursue ligation. I have a case for Identity Theft because they created an account ( ending in XXXX ) and I havent received a card in the mail. I have an inquiry on my consumer report which is a receipt that a transaction was made. As of now, I have not received any benefit from the consumer credit transaction.
Company Response:
State: IN
Zip: 46514
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: American Express has a " Reward Dollars '' program which in the past has been paid to me, the cardholder, by check. I called their " Customer Care '' line last week, and I was told that I could get a check after my auto-pay payment came through on Friday. Unfortunately, I did not take the representative 's name because I THOUGHT American Express was an honest company. Today, ( Monday, XX/XX/2022 ), I called their Customer Care line and spoke to a representative named XXXX. He told me that American Express never issued checks for Reward Dollars, although I have received checks from them in the past, and I was told that I could get a check if I called today. I asked to speak to a supervisor. I was connected, after being on hold for several minutes, to a man named XXXX, who said he was a supervisor. ( Although, I found it strange that It took him several minutes to find for me the corporate address, and he did not know what agency regulated the credit card industry. ) XXXX told me that the only way I could get the dollars that are supposedly mine was to apply them to my account. He said that the representative that I spoke to last week gave me incorrect incorrect information. To my way of thinking that previous agent was lying or incompetent. XXXX told me that, if I closed my account because of their policy, my dollars ( almost {$700.00} ) would be forfeited. If this is my earned rewards, how can they just take it? I believe, and I told XXXX, that their Reward Dollars program is a scam
Company Response:
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A