Date Received: 2022-02-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: So over a year ago I was told by the IRS that I had my tax refund going into a certain account they gave me the routing number they gave me the account number and they also gave me the phone number to American serve OK Ive called them repeatedly about at least over XXXX times to get this settled in XXXX the IRS contacted American serve sent them a letter of XXXX and I still havent received my funds I was told by American serve within XXXX days after the letter of XXXX that the funds will be sent back to the IRS and the IRS will
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a Bluebird prepaid debit card that I never requested or applied for. The customer service phone number for Bluebird does not allow me to speak with a live person without activating the card. I do not want to activate the card. I am concerned that my identity has been compromised. I have placed a fraud alert on my credit report, but need to get this account closed.
Company Response:
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress SERVE 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 XXXX un-authorized withdrawls were recently made by ATM in the borough XXXX XXXX, NY. After placing a freeze on my acct I contacted America Express Serve. I notified them that I had experienced this same type of fraud an previous time with my SERVE acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my SERVE 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 XXXX XXXX XXXX After making my initial contact with SERVE 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 SERVE 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: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On Sunday XX/XX/2022 at approximately XXXX EST, I was purchasing a plane ticket on XXXX XXXX XXXX website. On the payment page there was an offer to apply for the American Express Delta Gold Skymiles credit card ( see attachment " amex offer on XXXX website '' which is an example of offer ). The credit card offer as advertised is that if you are approved you can purchase the plane ticket with the credit card immediately. My intention for applying for the card was to purchase the plane ticket ( in order to enjoy the benefits the card provides when flying on delta like free baggage ) and use the card on the vacation I was taking associated with the plane tickets. After being approved for the credit card at approximately XXXX EST ( see attachment " CC approval '' ), the American Express website failed to both purchase the ticket directly and when I clicked the button on the approval webpage to get my instant credit card number to use immediately, the webpage failed to work. I immediately called customer support and was told that I would need to speak to the New Accounts Department to resolve the issue, but they are closed on Sunday 's. Customer support also told me that 1 hour after approval I will receive an email confirmation of my approval that will again have a link to access the instant credit card number in order to use it immediately. I did not receive the email until 2 hours later at XXXX EST and the link to get the instant credit card number failed again ( see attachment " instant card number process 1 '' and " instant card number process 2 '' ). The webpage said the physical card would not be delivered until Wednesday XX/XX/2022. As a result of the first delay, the plane ticket I wanted to purchase was no longer available. As a result of the instant card number webpage failing the second time, I was forced to cancel my vacation. Additionally, I was leaving on my vacation on XX/XX/2022 so even if the instant card number process worked, I would not have had the physical card to pay for other expenses prior to leaving and would not have had the physical card to use while on vacation, which was my intention. ( end paragraph ) On Monday XX/XX/2022 I called the New Accounts Department to see what resolution could be provided as a result of American Express not doing what they advertised. The representative first sent me an email in order to access the instant credit card number. Again the process failed. This time the failure was not the webpage but the process. In order to get the credit card number, the webpage needed the 3 digit security code from the back of the American Express XXXXelta Gold Skymiles credit card, which no consumer would have access to at that point in time, especially with American Express knowing they would not deliver the physical credit card for another 1.5 weeks ( see attachment " instant card number process 3 '' ). How could American Express build a process that fails from the start. The representative said they would document what happened. I requested to speak with a supervisor to see what resolution could be provided. When I spoke with the supervisor, they said they would create a ticket of what happened, which would be used to provide feedback internally. ( end paragraph ) That was the only resolution the supervisor would and could offer ; that American Express would give their people feedback and that me, the consumer would just have to accept what happened to them. ( end paragraph ) This complaint is about the failure of American Express to provide the services that they advertised, of being able to purchase a plane ticket immediately if approved for the credit card. This process failed 3 times which is unacceptable if you are going to advertise it to a consumer and the consumer makes a decision to apply for the credit card based on it. Additionally, American Express via their plugin on the XXXX website have upfront access to the date of departure for the plane ticket. If American Express knows that the credit card wouldn't be delivered until after that date, then this is information that absolutely should be advertised to the potential consumer before they submit the application, so that they have complete transparency about the services that will be available. ( end paragraph ) At the very least, American Express 's actions constitute false advertising and may rise to the level of fraudulent activity. It is incomprehensible that a $ 100+ billion dollar company, that is federally regulated, can have such significant process and procedures failures and act in such a manner where consumers are deceived. ( end paragraph ) All the information American Express has related to this case if under reference # XXXX ( end paragraph ) *To be very clear, this complaint is not about the introductory offer of a monetary statement credit plus bonus miles, which I knew ahead of time that I was not eligible for and has no bearing on what happened.
Company Response:
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been making my monthly payments on my American Express credit card on time every month I have 3 interest rates of the lowest being XXXX and the next of XXXX and the highest of XXXX. Each moth of making payments they have been taking the payment off the lowest interest rate and not on the highest rates. They keep adding interest each month to the highest rate and the balance is never going down. I have been told several way by American express representatives one tells me the monthly payment comes off the lowest rate first and then off the lowest an other tells me the opposite. I can in no way get anybody from American express to tell me what % of payment comes off each rate balance.I have one tell me that anything over the minimum payment come off the highest rate balance and that has turned out to not be true.
Company Response:
State: IA
Zip: 504XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently applied for a Business Credit Card through American Express and was denied based on a XXXX score. Congress does not define the term " XXXX Score '' in the Equal Credit Opportunity, so to deny me on something I can not lawfully define is absurd and is discrimination. I am a natural person and consumer and no one can deny me credit based on discrimination. Especially because I am the one who supplies the credit in the first place. I have tried to reach out to them via Certified Mail, which they received, but never responded. This is very unprofessional, especially from a institution that I have heard great things about.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express said I had a late payment on my credit report but I didn't and they wont fix it or help resolve it.
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
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 a ticket for a flight to XXXX from Minnesota XXXX. Flight was for XXXX. Due to the omicron surge XXXX XXXX XXXX I was unable to keep my travel plans. I contacted XXXX immediately and was told my flight was completely nonrefundable despite the extenuating circumstances and literal doctors note. I have contested the charge with my credit card company because I did not receive the service and shouldnt have to pay, and they keep siding with the airline and being unhelpful.
Company Response:
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
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: Refer to the attached PDF statement.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened up a complaint ( XXXX ) ) that was closed based on American Express response . They indicated that I was informed that I was not eligible for the promo offer of 70,000 XXXX XXXX. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. I asked for a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised 70,000 miles. I received the referral and completed the application and was approved very quickly. The attached is American Express response that I received received to my complaint. They can not send me a copy of what they are saying I received. I am assuming it is a fine line in the application process. Why was I not notified when I received the approval and credit card? I would not have made the required spend on the card had I been notified that I was not eligible for the advertised offer. This was very non transparenton their part! If this can not be resolved I will take this to my attorney for review. I will also reach out to The Points Guy so he can warn people about the XXXX XXXX process. How awful as I am a very loyal American Express customer! I am a very fiscally responsible individual with an outstanding credit score. I think it would be required that I would be notified if I was approved for the card but was NOT APPROVED UNDER THE TERMS OF THE WELCOME OFFER THAT WAS ADVERTISED IN THE APPLICATION REFERRAL I RECEIVED. HOW DO YOU NOTIFY A COSTUMER THAT THEY WEREN'T APPROVED FOR THE WELCOME OFER? How would a customer know as I received NO CORRESPONDENCE REGARDING THIS FROM AMERICAN EXPRESS!! I called about this a few times and was told I needed to allow 8-12 weeks for the points to be deposited into my account. I did wait only THEN to find out I was not approved for the welcome offer.
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A