Date Received: 2022-01-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a consumer, natural person, and the original creditor. American Express received EFTs from my fund fraudulenty without my written consent and also failed to send me the proper disclosures for the transfers that total in the amount of XXXX. They attempted to collect debts from me and the grossly and negligently continue to violate my federal rights. I requested verification/ validation on those transfers, debits, and creditor information which they continuously deny me the right to. I spoke with a XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX. All of those people I just name violated my rights and refused to send me the requested verification to my email. I requested the last XXXX of the written history on my account be sent to my email in which the refused. I am demanding repayment, return credits, and remittances pursuit to but not limited to Regulation E, B, and Z. I am demanding immediate resolution as there have been multiple disputes opened up with American Express in regards to my credit cards without resolve. I have been on the phone with them since XXXX today and I have been hung up on, refused, violated, deceived, lied to, and stolen from and I demand a remedy NOW!!
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened an Amex XXXX for XXXX XXXX on XX/XX/XXXX with a welcome offer of earning additional 9X Membership Rewards points for Shop Small within the first 6 months, up to {$25000.00}. I made a {$2200.00} purchase at XXXX XXXX on XX/XX/XXXX and a {$990.00} purchase XXXX XXXX on XX/XX/XXXX. But the 9X Shop Small bonus points for both transactions were never posted to my account. At the time of the transaction, both merchants were showing as Shop Small merchants on the Amex merchant map ( https : //www.americanexpress.comXXXX ). XXXX XXXX is still on it as of today XX/XX/XXXX ( https : //www.americanexpress.com/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), see attachment XXXX. I have the Amex online chat records ( see attachment XXXX, XXXX, XXXX ) showing the chat representative confirmed XXXX XXXX was a Shop Small merchant on XX/XX/XXXX when I first inquired about the missing bonus points for this transaction. After that, I have contacted American Express many times about this issue. Once a chat representative even confirmed that the missing points will be credited within 8 to 12 weeks of the investigation case date ( XX/XX/XXXX ), see attachment XXXX, XXXX, XXXX. And till now, the points were still not posted. I also tried to contact Amex by phone about this issue in XXXX. And they sent me a letter saying " we are unable to process your recent Membership Rewards request '' but did not state any reason for that. This is a complete lack of customer care. I have wasted so much time fighting for the missing points that I should have earned, but the team just simply declined it with a sentence without any explanation.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Card isn't working during transactions
Company Response:
State: TX
Zip: 76114
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had an offer on my American Express card to be able to take a purchase and use the " Plan It '' offer to space out payments over a period of time for 0 % interest - either over XXXX or XXXX months at no cost. The offer was expiring on XX/XX/XXXX. I called on XX/XX/XXXX to ask about the offer as my rXXXX needed replacement asap and the cost was just over {$6200.00}. The Amex representative explained the Plan It offer and said if I got the merchant to get the charge done asap I should be able to use the Plan It offer. We had been trying to figure out how we would pay for this large expense and the other option was to accept the offer of a new credit card ( I had an offer for a new XXXX XXXX card that included 0 % intro XXXX until XX/XX/2023 and a {$200.00} one-time cash bonus ). Rather than open a new card, which I could have done, I relied on the AMEX representative. I have been a card member for almost 30 years and thought this was better than opening a new credit card. So I immediately called the merchant and he charged the {$6200.00}. I could see on my online account that the charge had gone through and AMEX listed it as pending. I checked on it again that night and saw that it was still pending so I waited until the next day - the XXXX - to check again. It was still listed as pending. Then at XXXX pm on the XXXX, I got nervous that I was not going to be able to use the Plan It offer ( since it wouldn't let me accept the offer since the charge was still pending, it had to post to the account. I contacted AMEX customer service at that time using the chat feature ( Screenshots attached ). The representative kept apologizing saying he could not use the Plan It feature until the charge had posted. He said something about the merchant needing to accept the funds - I did not know what that meant - all I was told the day before was that the charge had to be made quickly and it should be fine to post in time to get the offer. The representative told me to contact the Plan It representative the next day. I checked again just before midnight and the charge was still listed as pending. Of course the next morning, just hours later after the offer expired, the charge posted. By by that time, the offer from a few hours earlier had expired and I was unable to get that 0 % with no fees. Now of course the offer included a ridiculous amount of fees ( a few XXXX dollars ) including interest. I only used this Amex card because I was told it should be fine. I lost the opportunity to take advantage of opening a different card ( of course that offer expired on the XXXX as well ). I spoke with the PlanIt representative yesterday, hours after the expiration and suddenly the charge had posted but the offer was no longer available. I feel this is unfair and deceptive. It seems strange that the charge posted just a few hours after the offer expired. I would never have used this card for this purchase had I known I would not have this offer. I plan to try to have the merchant return the charge and try to figure out a new 0 % card so I can afford the payments. But I am frustrated by American Express being unfair and deceptive in their offer and not allowing me to accept the offer, even though it was clear I tried to accept the offer within the time allotted and through no fault of my own they did not " post '' the charge until a few hours after the offer expired.
Company Response:
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 60 days and I haven't received any investigation results.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: i call them and ask to stop calling me and the agent i talked to said oh you want me to stop calling you i said yes im having problems when i get my check i will pay and they keep calling i should not have to ask them more then once
Company Response:
State: MO
Zip: 64052
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX XXXX American Express Card and American Express has a promotion program " Earn XXXX XXXX XXXX XXXX XXXX XXXX XXXX after you spend $ XXXX, $ XXXX, $ XXXX and $ XXXX. With a combination of XXXX XXXX XXXX and card spending members are rewarded with XXXX status of Silver, Gold, Platinum, or Diamond status. On XX/XX/XXXX, AMEX forwarded My rewards XXXX to XXXX. XXXX failed to apply the rewards until XX/XX/XXXX, after XXXX XXXX. only to take those XXXX XXXX at midnight - I believe this is a pattern and practice of XXXX and AMEX to defraud customers of the XXXX and status. I contact XXXX on XX/XX/XXXX, XXXX, XXXX, and XXXX of XXXX. During these calls, XXXX acted as though they had not received the information from AMEX. I then called AMEX several times. AMEX assured me the information was forwarded to XXXX. I believe XXXX and AMEX have a pattern and practice to defraud, provide false advertisement, and breach of contracts to its customers by delaying the arrival of points and promotions. By delaying the arrival of the XXXX at the end of the year cause me to have to start over with " XXXX '' XXXX. I was only XXXX points away from Platinum status and would have received it cause of the two flights that I had planned. I am hereby requesting an investigation into the pattern and practice of both AMEX and XXXX XXXX XXXX 's handling of promotions and rewards. I was told by XXXX I was not eligible for " my own points XXXX XXXX but could " gift '' them to someone else ''. This is Fraud, False Advertisement, and Deception
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Serve is a prepaid credit card provided by american express. I've been struggling to use this product for months but it just keeps getting declined for " Fraud Detection '' purposes. I've tried over 6 times to contact Serve and fix this problem but I was unable to connect to a representative. They either drop calls or hang up on you or just can't hear you when you finally connect. I finally gave up on their product only to find that there is no way to close the account except by withdrawing all your money. After creating a product who's only purposes seems to be to keep you from accessing your own money ( by sending false fraud alerts nearly every time I used it ) Serve needlessly creates complex barriers to closing the account and getting your money back. Even though I already have a linked bank account I have to re-link it again to withdraw money. A process that takes 3-5 business days and involves many intricate steps. I could try to spend the money but then I get a fraud alert. I could try calling them but then they hang up. For some reason there is no option to just close the account and send me a check with my money. Serve and American Express have created a predatory product and it must be stopped!
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
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: Followed AMEX directives and tried to resolve goods not received instances with the company in question. I've had a subscription with them for years but they stopped sending in XXXX of this year. I've been trying to resolve since XXXX but tried to give them time to resolve the issues when they just stopped responding to me. Then contacted AMEX as a last resort believing that they help and cover their customers ( and have seen them do so in the past, for example, refunding a co-worker of mine for accidentally booking travel insurance and other charges for an entire YEAR ). Apparently, they only do that for certain customers because I was told that I should have disputed immediately - that my charges were too old and that they could only dispute 60 days worth. I mean - WHAT???? They literally just allowed me to be scammed by telling me when I first tried to open a dispute to resolve it with the company. THEN, when I do that, suddenly my charges are too old to dispute through them. No one told me that, they literally created the situation by telling me to resolve it with the company first. I didn't even have any reason to think the company would do this since I have been receiving a subscription from them since 2014. Zero customer service, zero reliability, AND AMEX scammed me by stating that you need to resolve with the company when you try to open a dispute on your account. NO WHERE does it say there is a time limit for opening this dispute, just that you need to go resolve it with them first. That is the scam!
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A