Date Received: 2022-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an email from American Express XXXX back in XXXX that I could receive XXXX bonus miles for referring friends and family. I directly forwarded that link to a friend to sign up for a XXXX AMEX XXXX XXXX. The friend filled out all relevant information and submitted. He received his card and started make purchases. I didn't hear or see anything in my account on the XXXX miles. I reached out on XX/XX/XXXX to American Express to inquire. They told me to wait a few days and they'd look into it. On XX/XX/XXXX, I asked again and was told to continue to wait a few days. Then on XX/XX/XXXX, I reached out again and was told that my friend didn't follow the referral link I sent and I was not owed the miles. I was with my friend when he clicked the link I forwarded him, as I was helping him set his card up. There is no possible way he signed up for this card otherwise, as I'm the only one who told him about the card and how since we traveled so much for work, he'd get a lot of miles and status with the card. American Express is trying to keep me from XXXX bonus miles, which is {$700.00}. I believe they're doing this intentionally to avoid paying out customers promised promotions while still receiving new customers.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: American Express has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my XXXX credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.
Company Response:
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have AMEX platinum credit card, and I added another AMEX gold card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by XXXX, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted AMEX teams, resulting in being bounced back and forth. We have talked to AMEX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.
Company Response:
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This complaint is for the American Express XXXX XXXX XXXX card. The issue was I never received the welcome offer for the card. Which was the primary reason for getting the card as it has a high annual fee. I contacted chat and they said I didnt have the offer available to me due to having Amex cards in the past. Then I got transferred to a supervisor and they said I declined it via prompt when signing up for the card. I am not sure if there was an issue with my computer but I dont remember a prompt and would not have signed up for the card if I knew I wasnt going to get the promo. I did receive a document about the promo in the mail so I figured everything was ok. But when I asked about where Im at for getting the promo they said I wasnt eligible. I would have like a communication sent of saying I declined the welcome offer or something indicating I was eligible for it. That way I wouldnt be purposely spending thousands on the card trying to hit the XXXX in 3 months to get the offer. As I would have gotten better use using other cards. I think the lack of communication about not being eligible except for a prompt that came up when there were mixed in with other prompts is not enough ( per manager ) .I just want to ensure this doesnt happen to others as the card does have a high annual fee of XXXX.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I did some dispute on my XXXX prepaid card over the phone the guy was so unprofessional i was telling him each unauthorized charges and seems like he was ignoring me then he said ok thats it. And then he said ok u will receive an email of your dispute that was around XX/XX/XXXX until now nothing have I recieve in my email this is worst service ever even to get to someone it send u back and back or just hangs up aftet i try to talk to soemone this is ridiculous
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a business checking with kabbage on mid XX/XX/2021, I have more than {$12000.00} in the account on opening, the APR were 1.10 % with {$300.00} opening bonus. On XX/XX/XXXX, kabbage paid only $ XXXX on interests, the calculation is wrong ; I deposited another {$25000.00} on XXXX, but the interests they paid on XX/XX/2021 is only {$14.00} with my opening bonus, the calculation is so wrong. I started calling on XX/XX/2021, almost daily, I got transferred around or being put on hold for hours, no one can assist me from Kabbage, their representative XXXX and XXXX calculated the interests with me together on the phone, the mistake is obvious, but they dont have special department to correct this problem. Today, I got a phone call from kabbage, I called back, the representative said the calculation is correct, I calculated with that person on the phone together, he eventually agreed calculation was wrong, but he doesnt know what to do and can not help me. Its been almost two month, no one can help and give me a correction!
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX XXXX card was charged {$8000.00} for ( 16 ) {$500.00} gift cards. Original purchase was for {$23.00} on a fake web site. The individual took my card info a purchased these cards fraudulently. XXXXXXXX XXXX has determined I'm at fault for interaction between the individual and myself. He pretended to be afraid officer for XXXX and claimed he was reversing the charges, when he was actually purchasing more.
Company Response:
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: After I mentioned that I was suffering from a XXXX XXXXXXXX and was going to have to leave my job and start my own business, the company immediately after blocked me from using my card and decreased my credit limit by {$1700.00} all in the same week. This happened the same week I made a payment of nearly {$3000.00}. The moment after I disclosed my XXXX XXXXXXXX I began to experience retaliation, even after paying almost half of what I owed on the card. I called in today and they said I need to pay over {$900.00} more in addition to the almost {$3000.00} I paid this week, so they can give me my credit limit back. And the credit limit was {$5700.00}. Meaning, they want me to pay over {$4500.00} out of {$5700.00} so I can keep my credit limit of {$5700.00} after I disclosed that I am suffering from a XXXX XXXXXXXX. This is not ok.
Company Response:
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: in communicating with American Express, it has come to my attention that my consumer rights are still being violated. American Express has consistently avoided providing me with the information originally requested in the original communication. Statements is not a means to verify and validate an alleged debt. American Express is not adhering to federal law because they are constantly choosing to send documents that have nothing to do with debt validating. please refer to the attachments for the account identifier number that being requested.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: American Express without my authorization ran my credit score on XX/XX/2021. XXXX XXXXXXXX without my permission ran my credit report on XX/XX/2021.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A