Date Received: 2022-01-09
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 ordered a set of tires from XXXX on XX/XX/2021. I tried to cancel the order and was advised to simply refuse the delivery. I followed these instructions and XXXX was to return the refused tires to XXXX. The return shipment was lost in XXXXXXXX XXXX system. I followed all steps as instructed by XXXX customer service to obtain a refund, including, per their direction, filing a credit card dispute. I did so and provided Amex with all needed documentation. Twice now, Amex has simply accepted XXXXXXXX XXXX statement that because they don't know where the tires are, that I am liable for the charge. This is in direct contradiction to what XXXXXXXX XXXX customer service informed me, AND what their system showed. I have email confirmation from XXXX that a refund was being processed. It never arrived, and I was instructed again by their customer service to file a credit card dispute in order for Amex to obtain the refund from XXXX. Again, Amex has returned saying the charge is valid, when I explicitly gave Amex written proof that a refund was owed. I have spent MONTHS fighting this charge, and Amex has twice sided with XXXX XXXX XXXX XXXX department.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
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, called to get an appointment at a dealership regarding and engine light on my van. I dropped the van off on XX/XX/2021 to be looked at. The dealership called me on the telephone and stated it would cost {$1200.00} to {$1300.00} to fix my van. I said no repair, I will pick the van up tonight. When I picked the van up the dealership charged me {$290.00} to look at it. I discovered that after I brought the van home it did not need {$1200.00} to {$1300.00} of repairs at all. The receipt the dealership made up said my van needed a oil pressure sensor in fact my van did not need an oil pressure sensor at all. Nothing wrong with my oil pressure sensor. They made a note about wiring being damaged. Once I figured out that the dealership did not do any repairs and the diagnosis was wrong and the dealership stated oil pressure sensor had nothing wrong with it at all. I decided to contact the dealership by email to resolve the {$290.00} billing to my credit card. I contacted the dealership on XX/XX/2021 via email at XXXX PM regarding this issue. The response I received was I have passed your concern onto the service manager and general manager. They should be reaching out to you tomorrow. They never contacted me about the billing, so I initiated a billing dispute with the credit card company and they have given me the official spin with letters and responses that side with the merchant every month I dispute the billing. Bottom line is I have a contract with my credit card company that says in part Your Rights If You Are Dissatisfied With Your Credit Card Purchases, If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true : XXXX. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase must be more than {$50.00}. XXXX. You must have used your credit card for the purchase. XXXX. You must have not yet fully paid for the purchase. If all of the above criteria are met and you are still dissatisfied with the purchase, contact us in writing at :. While we investigate, the same rules apply to the disputed amount as discussed above. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. I ended up repairing this problem myself for {$110.00} in XXXX of 2021 and the repair had nothing to do with the oil pressure sensor as nothing was found to be wrong with the oil pressure sensor. The information the dealership put in writing in their billing is not factual or true or the reason the dash light came on. So the credit card company has stretched this out since XX/XX/2021 and I am being billed for this {$290.00} charge. The credit card company says the dispute amount is XXXX. It is {$290.00}. I know I am being spun regarding this matter by the credit card company and the merchant. I dispute the charge and they stop billing, then they start billing and have the merchant charge my credit card again for the {$290.00} when I have asked them to stop charging my credit card. The merchant has acted in bad faith, the information they put on their bill is incorrect and it is a fact no repairs were ever made by the merchant dealership. This bill gets reported to my credit report and I believe that violated my federal right to fair billing and fair reporting. I have documentation in writing of everything I have stated.
Company Response:
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
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: American Express dispute team created a FAKE transaction on my card in XX/XX/XXXX, then added this fake transaction to my XX/XX/XXXX statement even though I already have the transaction there on XX/XX/XXXX ( there is 1 charge on that day that is real, then I disputed it and they gave me the dispute credit and said I won dispute, but then went into my account and literally created a FAKE line item transaction for a duplicate charge and put it into my XX/XX/XXXX statement so it would cancel out dispute winnings ). Is this even legal? They are doing fraud to me.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I used my American Express XXXX card to book a hotel. The reason why I used this specific card is because I wanted to make use of their {$200.00} hotel credit. After booking through American Expresss travel website, using my XXXX card throughout the entire process, I was informed that somehow I marked that I would rather pay for the hotel later than upfront ( which is something I have never done before in my life ). Because of this marking that I paid later instead of when I made the booking, I was ineligible for the credit. I tried to resolve this with Amex but they transferred be 8 times and I have been on hold for 1.5 hours. The entire call length is currently 2 hours and 15 mins.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2021 I missed a payment on my American Express card for my billing period of XX/XX/XXXX - XX/XX/XXXX. I paid the balance in full on XX/XX/2021 ( 2 days late ). I was charged a late payment fee of {$29.00} and interest of {$120.00}. I was charged an additional interest fee on my XXXX statement of {$110.00}. When I called, I was informed that this was trailing interest. Apparently as soon as the balance was paid on my XXXX statement, the remaining balance that I was incurring on my XXXX billing period became subject to interest. I was not informed that was the case as typically I can carry a balance as long as my statement balance is paid off. Therefore from XX/XX/XXXX - XX/XX/XXXX ( when I paid my statement balance in full on time ) I was charged interest on the balance. So, for 2 days late and 11 years as a card holder with on time payments, I incurred total fees and interest of {$260.00}. The late payment fee, interest on XXXX late payment, and 2 days of interest on the payment make sense to me. Starting interest accrual on XX/XX/XXXX without informing me, XXXX be company policy, but is abusive and excessive. For 2 days late I paid 2 MONTHS interest. Interactions with Amex - 1. Called and asked to waive- they waived the {$29.00} fee and explained to me the XXXX interest fee. I told them that I thought it was ridiculous to charge me 2 months of interest for 2 days late, but was informed it was company policy. I said that I would cancel my card and file a complaint. I was transferred to cancellations. 2. Cancellations again explained the trailing interest to me and offered me a {$15.00} credit if I kept the account open. I declined. They offered me a {$75.00} credit if I kept the amount open, spent {$2500.00} in 90 days and kept it open for a year. I agreed, but in retrospect it seems that I lost and they won in this situation and leaves a bad taste in my mouth. I also spent an hour of my time on the phone. What a waste.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, On XXXX I opened my Kabbage Checking Account ( Sole Prop. ) XXXX. This was opened under XXXX XXXX under my Name and SSN. At the time there was a Bonus of {$300.00} for making 5 debit purchases within 45 days. Five Debit purchases was completed XXXX. My account balance was {$27.00} on XXXX. Then sometime between then and XXXX my account was locked Pending additional documents for verification. I provided My Drivers License, Tax Returns, and a Bank Statements. However My account is still locked after sending emails and talking to representatives over the phone. No one has been able to unlock it. I am requesting my All my money including the {$300.00} Bonus and my account to be unlocked. I have given enough time to figure out what to do. I have supplied all of the required documents. I have attached an email I sent and the Bonus Disclosures along with the proof that my account is locked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Company Response:
State: MI
Zip: 49315
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received my credit report and noticed that American express was not a lender I have had a relationship with. I have been a victim of identity theft.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am an American Express ( AMEX ) Platinum cardmember. I made a hotel reservation for one night under AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) program at XXXX XXXX a Luxury Collection Hotel in XXXX. Check-in date XX/XX/XXXX. Check out date XXXXtravel confirmation number ( Confirmation number:XXXX, Trip ID : XXXX ). Due to some personal emergency, I will not be able to stick to my original schedule. I called AMEX to change my reservation to date of my convenience. However, AMEX refused to reschedule siting policy restriction of the XXXX program. I was given an option to cancel and then rebook. This hotel allows reservation change to be made before XX/XX/XXXX, after which any changes will come with a fee. AMEX provides all its platinum cardmember a {$200.00} hotel credit, which gets clawed back when the cardmember cancels the reservation. So canceling the reservation is not advantageous for the cardmember, but it seems like AMEX is forcing consumers to do that. I feel this is an unfair business practice from AMEX. Therefore, I want to report it.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: -I applied for an American Express Gold XXXX on XX/XX/2021. -American express sent me an adverse action notice via email on XX/XX/2021. -I called the application line on XX/XX/2021 for reconsideration and was told by a supervisor I would receive a call back. -No one ever called me back. I sent an offer rejected notice in response to the adverse action notice on XX/XX/XXXX which American Express received it on XX/XX/2021 Giving American Express an opportunity to cure as well as notifying American Express of default for the servicing of the credit application. -After that the application status changed from " Denied '' to " Processing '' - Called the reconsideration line again on XX/XX/XXXX to only be told AGAIN that they're sticking with their original decision. - XX/XX/XXXX I sent a FINAL counter offer via fax to American Express Bank explaining in grave detail how my application was a financial asset as well as self liquidating paper and to serve notice for my application to be accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice. - Also to notify American Express that an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have been repeatedly solicited by American Express over the past two years. I have filed numerous complaints and spent multiple hours remedying the situation. I have filed complaints with the XXXX XXXX and the FTC. American Express repeatedly ignores my requests. I would like to file a lawsuit in federal court for tort and negligent infliction of emotional duress. I have asked to many times to not be contacted. I should be immediately compensated for damages and injury caused by American Express
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A