Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RE : Adverse Action I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied on XX/XX/2023 for an OPEN-ENDED GOLD AMERICAN EXPRESS CARD . Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691 ( c ) ( referenced below ) and is pursuant to civil liability under 15 U.S.C 1692k ( referenced below ). You are subject to criminal liability for violating 15 U.S.C. 1691 ( referenced below ) as I have proof that I was discriminated against by AMERICAN EXPRESS due to response I received. AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. Regardless of the reason for being denied, I have the RIGHT TO CREDIT. Withholding my access to my securities is securities fraud. You are in turn violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me my credit and access to my securities please retract my original application and return it to me. If not then please move forward and send me the applied for card or if you require further evidence as to my claim then I am more than willing to send you a copy of your Trust Indentured Agreement with The XXXX XXXX XXXX XXXX XXXXXXXX with highlighted sections pertaining to the application ( security ) that I initially filled out. I am aware that in lieu of my denial you will securitize that application ( security ) and monetize it for your own benefit. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Whom It May Concern, I am writing to file a formal complaint against American Express ( AMEX ) regarding an unfulfilled benefit associated with my XXXX XXXX XXXX ( s ). In XXXX, I expended over {$75000.00} across all my XXXX XXXX XXXX, a spending level that, according to the card 's terms, entitles me to a specific benefit : the ability to bring an additional guest into the XXXX XXXX at no extra charge. Despite meeting this significant spending threshold, I have yet to receive this benefit for my card ending in XXXX. Upon realizing this oversight, I contacted AMEX customer service for assistance. The representative confirmed my spending had indeed exceeded the required amount of {$75000.00}. However, they informed me that they were unable to add this benefit to my card. This response is both disappointing and unacceptable, given the clear terms of the cardholder agreement. Enclosed with this letter, you will find a screenshot that evidences my communication with the AMEX representative, along with any other relevant documentation that supports my claim. I am seeking the CFPBs assistance in resolving this matter. It is imperative that AMEX honors the terms of their agreement and provides the benefits that cardholders like myself are entitled to after meeting the set criteria. I appreciate your attention to this matter and look forward to a resolution that upholds the standards of fairness and accountability in financial services. Thank you for your time and assistance.
Company Response:
State: PA
Zip: 16509
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have a {$1000.00} prepaid giftcard with American Express. I have tried to used the card at multiple sites online, and my card keeps getting declined at every single site, with pending charges of {$0.00} with these merchants with takes around a week to go away. The card even gets declined at big retailers such as XXXX I think it is absolutely useless to have this much money in a gift card for it to be declined everywhere. I would like my money back.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I, XXXX XXXX, signed up for a Delta Skymiles card aroundXX/XX/XXXXXX/XX/XXXX from American Express through a referral code from my partner, XX/XX/XXXX One of the conditions that an American Express representative told us as part of the referral was a {$150.00} statement credit on her card after I spent a certain amount with Delta Airlines. On calls prior to and after I spent the specified amount on Delta Airlines Purchases, American Express agents had expressed that we meet the conditions of the agreement. Specifically, we called after I had spent the qualifying amount and the agent agreed that she saw we had spent the qualifying amount. She never received the statement credit, so we have now called multiple times to get resolution. Each time, they don't contact us back ever and we have to eventually call again only to find out they closed the ticket and said we did not have that as part of the terms for the referral. We have called at least 5+ times now and then has been ongoing for over a year, giving them ample time to fix it. We have requested reviews of the previous phone calls, which they state they have done, but they have not provided us the phone call recordings, nor am I confident that they actually have the recordings. Due to not receiving these credits, my partner left her card open for an additional year and incurred an additional {$99.00} in annual charges even though she wanted to close the card due to inadequate customer service. Additionally, we specifically chose to go through this referral when starting my card when I had a better offer available at the time where I could have gotten more points to start my card individually. We have wasted many hours on this, and the lack of feedback from American Express on each occasion has consistently left us in the dark. We have also been sent in circles multiple times where some representatives say that I should be the one contacting them and some say that she should be the one contacting them, so we spent hours calling back and forth. For all calls. I do not remember if we called through using my card information or my partner 's card information, so the recorded calls could be under either of our accounts ( assuming they did actually record the calls like they stated ). We would like to get this resolved, so we can stop wasting so much time on it, but we don't want the large credit card company to have cheated us, so we keep on trying to find resolution. The way they have been treating this like we're lying has been frustrating. Both of us are certain of this offer, and we verified it with American Express representatives on multiple occasions and also recorded it in our personal notes/planners at the time of the calls. I don't know if they are just negligent or if they are purposefully lying to us, but the whole situation has been frustrating and so wasteful of our time and money. We just want them to give us what they promised us.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought an American Express Pre-Paid gift card for {$200.00} in XX/XX/23. I have attempted to use it at a few retailers XXXX XXXX XXXX, XXXX, XXXX ) and it has been declined every time. Each time it's declined there has been more than enough money on the card to cover the purchase, and when it's declined I'm told it's a processor error. I have called customer service 5 separate times, and I have gotten different, useless advice like wait 24 hours or make sure your card has enough money ( I have done both without the card working ) each time I've called. I just want to access my money.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Amex Delta SkyMiles Gold credit card on XX/XX/, with an opening bonus of XXXX miles after spending {$2000.00}. However, after several months when I met the spending criteria, I still didn't get the bonus. I communicated a lot of times with Amex and they told me I'm not qualified for this bonus. However, this is not true : 1. I successfully opened it with the bonus. 2. I didn't have this card ever. Thus, I should be qualified. The most important thing, if I'm not qualified, they should notify me before approving my application. I have contacted CFPB twice to communicate with AMEX, and the response letter showed fake information claiming that : During your online application you were advised Based on your history with Credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. Would you like to proceed? However, during the online application, I have never been advertised with this statement. The fact is I have been welcomed by the opening bonus. So this response really hurt my XXXX and I'm very sad about Amex. Thus, I'm asking AMex to present the proof of the fake advertising or give me a bonus.
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have multiple American Express Gift Cards that do no work with online retailers. The balance on each of these gift cards far exceed the purchase I am trying to make. I have tried several of my gift cards with multiple online retailers and they get declined. If I use my credit card the purchases work fine.
Company Response:
State: CT
Zip: 06830
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
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 received an email that stated that I was over my limit. I knew that I hadn't charged anything. I looked at my statement and noticed that it said XXXX. I stated I haven't purchased anything where is this charge coming from. I did not authorize this. They did not have any authoraztion to charge my card. I tried reaching out to XXXX. They only had a chat box. The chat box never connected me to a live agent after I stated my issue. After this I reached out to American Express. I do value my relationship with American Express but do not like the way they handled the process. It doesn't seem like they investigated nor asked questions. They just closed the case and sent me an email with a receipt.
Company Response:
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: hi so amercain express froze my card they said it will be unlocke XXXX XXXX hours but its been XXXX hours and i cant use my amercain express gift card
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up in XXXX for an American Express Delta card to get plane tickets and a {$350.00} promotional credit after I met the terms. I met the terms by XX/XX/XXXX. I did not get credited my 40,000 miles either. The credit was to be put on my card within12 weeks ' time. It was not. So I called and waited and called a 2nd time it was escalated. I have also had 3 chat sessions with reps about this and they keep saying they will credit my account because I meet the terms in XXXX But then I don't get my credit for miles or funds. XX/XX/ I just chatted again with a rep and she said she will escalate it. This has been done before with no success. I feel I have been taken advantage of and am not being heard. My latest chat ID was XXXX XXXX
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A