Date Received: 2021-12-29
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 made a purchase through Amex travel co and charged to Amex credit card. Due to industry issues and Covid, the flights changed. I was unable to make those changes. I attempted to contact Amex travel multiple time, and they were not responsive ( understandable given industry issues ). That said, I contacted Amex card services to dispute the charge because services were not delivered and they were not responsive. The problem is that Amex card services would not allow me to dispute the charge with their own company. They couldnt help resolve, but would only refer me back to travel company, who was unresponsive. I had to press for days and hundreds of lines of chats for them to finally submit a dispute. I feel strongly that they inappropriately tried to block my rights because it was within their family of companies. I have many, many chats with associates and supervisors that any reasonable person would agree with my claim. If I hadnt made it a process on principle, I do not believe Amex would have complied
Company Response:
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The charge on XXXX XXXX for XXXX XXXX on XX/XX/2021 for {$79.00} did not earn 6x points for spending the card at a XXXX XXXX. A case was opened and on XX/XX/XXXX I live talked with one of the agent on amex website and the agent said that this charge is a valid XXXX merchant. However the agent on XX/XX/XXXX saying that I will not earn 6x points on the purchase. The charge on XXXX XXXX for XXXX on XX/XX/XXXX I received the bonus 14x points for spending the card at a XXXX XXXX. However I still have not received the {$250.00} XXXX resort credit for this purchase.
Company Response:
State: PA
Zip: 169XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent American Express two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports as they are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof, such as my signature, that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not mine.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I was pre-approved and applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and XXXX did not show I have a credit history. They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX ) and can view my credit score on all three websites. I was able to pull my free credit scores from all 3 agencies from the annualcreditreport website. I pulled them and they first told me I could not email them. I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. I faxed them my XXXX and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/XXXX score. They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, AMEX was able to get my credit report so there is no issue on their end. American Express said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXX 's customer service. I have been trying for a month. American Express says it shows I have no credit history or XXXX score so that the issue is with XXXX or XXXX. XXXX says that they use the XXXX and no XXXX score so that American Express should not be trying to pull a XXXX. This does not make sense to me because why would American Express not know this and try to pull XXXX scores from XXXX. XXXX says the issue is with AMEX, and I can't get into contact with XXXX at all. I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: During her employment at my office, my manager used my business AMEX card for personal purchases without my permission. These purchases occurred over a period of 6 months and amounted to {$25000.00}. I've called AMEX over 2 dozen times and they claim I'm responsible for these charges since she had permission to use this credit card. I never gave her permission to use this card. She added her name to my AMEX account and got her own name on the business AMEX account.
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/2021, I purchased 3 e-gift cards from American Express Gift Card Services totalling {$1300.00}. A few days later, American Express emailed me confirmation that they sent by email the gift cards to my three recipients. We are now 10 days later and my recipients have not received the e-gift cards. They checked spam/junk folders to no avail. On XX/XX/XXXX, I contacted American Express. I explained the problem and requested that they send me the e-gift cards so I can then forward them. They refused to do so and stated I would have to go in my account and change the recipient email. The implication was that I then would be able to resend. I went into my American Express GIftCard account. I searched under my orders. The search came back EMPTY. THe website stated that I had no prior orders. I called American Express GiftCardServices again, and waited another hour. I explained the problem to the agent, who claimed to be the supervisor. She stated, I needed to go back into my account and change the emails of the recipients. SHe either did not understand or she was programmed not to understand that this was not possible. She then repeated the same initial instructions. After going around a circle a few times, it became apparent that American Express had no interest or at least this agent had no ability to rectify this problem. In the meantime, I am mortified that it is past XXXX and my giftees have not received their promised bonus.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: One of the benfits of my Amex Platinum card is to receive once a year a {$200.00} credit towards a hotel booking made with the Hotel Collection or Fine Hotel and Resorts. I wanted to utilize the benefit so I went to the AMEX website and to the benefits page and hit on a call to action " book now '' ( see photo ) assuming that that will take me to a list of eligible hotels. I did find a list of hotels and I made a booking for the XXXX XXXX on XX/XX/XXXX ( see screenshot ). I later noticed that I did not receive the credit. So I contacted Amex and I was told that despite the XXXX being on the list. It's not eligible as it's not part of the program. If it's not part of the program why is it on the list? The rep said sorry but there is nothing I can do! I think it's not fair and this is very deceiving. I pay {$690.00} for the card and this is disappointing.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is the complaints of American Express Deceptive Behavior. Date : XX/XX/2021 Amounts : Issue regarding the available credit given and allowance of autopay transaction that hasn't happened for months to appear Actions : I called the Rep of the special team service for this issue : I entered into a program that paid a fixed amount of money monthly over a year. On the XXXX, they will debit my account on another bank. At the beginning of the contract, the agreed that the credit that I got was $ XXXX - unpaid amount. they issued a letter and mailed to me about it ... then they changed the terms and conditions without notifying me. They keep changing the credit available and when they mentioned that I got a certain credit available on XXXX after the payment, they didn't honor it. The point is, they only charged me on XXXX for an agreed amount but not mentioning that I should paid the credit amount that I have used outside the program payment. This morning, I called the Rep, she told me the amount that I used that belonged to XXXX credit line... I asked her why she allowed XXXX to charged me an autopay that they didn't appear for months already, and she said she could let another olive oil amount ( that haven't appeared on the statements for months ) went through. I then told her that then I am not going to pay for those amount. She then said that she could decline the olive oil one but needed to keep the XXXX one. She even declined American Express has sent me an email notifying me that XXXX has an autopay. She was manipulating what I should think. On XXXX this month, AE is supposed to give me $ XXXX credit line, but with the transaction of just less than {$11.00}, my credit line is XXXX. This is not the first time happening that I have exercised enough patience. She then keeps telling me that if I pay all the rest of unpaid amount, I can have unlimited credit limit... I think this is very deceptive. I told her if I believe in what their card company on the online statement that I have so many credit line and buy something ... and it turned out got rejected .... this would be so embarrassing!!! Shall I ask for the compensation for this too? I paid more last month for {$800.00}... I couldn't understand why this happened. AE staff even coerced me in the chat log. There is a recording for the conversation between the staff and me. They can cancel my card and terminate the service but not to do things like this. I think your agency should take proper steps to warn them and they should receive disciplines. Thanks so much
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was misled by the Amex Platinum website into thinking that my online booking was with Amex platinum. Instead, all online booking is through regular Amex which does not give the same level of customer support. Nothing on the Amex Platinum website indicates that online booking are made by regular Amex. I pay a lot for Amex Platinum, and terribly disappointed by the misleading advertising on its website.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: There was a fraud on my my American account that I closed 3+ years ago. American express fixed the issues after I file complaint and told me it is fixed and account is closed. I do not think they fix the issue properly. Similar fraud is happened again. Please note MY ACCOUNT WAS CLOSED years ago. No-one should be able to use it. Today I receive statement that someone used this CLOSED account on XX/XX/21 again and there is a of charge of {$9.00}. ( see attachment ) I called Amex immediately. After waiting hours on the line, and person told me they will work on it but did not receive any confirmation. This is a repeating fraud activity and needs permanent solution. The main problem is Amex SHOULD NOT ALLOW any charge on closed accounts. This fraud activity keeps happening on same account and it is damaging my credit record and more importantly I may lose my job because of bad credit. I am a Government employee with clearance and maintaining good credit is very important to keep my job. Account is closed 3 years ago. It looks closed in my credit report, it looks closed on statement in the statement they sent me. ( see attachment ) Why Amex is allowing someone to used my closed account.
Company Response:
State: CA
Zip: 92129
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A