Date Received: 2021-11-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for AMEX XXXX XXXX XXXX on XX/XX/XXXX as part of a XXXX % percent and {$200.00} card promotion ( see screenshot below ). This card was critical as I was making a large purchase for me to pay over the promotion period. I received the card and charged {$3500.00} on XXXX, I didnt see the promotion apply after checking the charge status from pending to actual charge a few days later. I called XX/XX/XXXX and expressed my concern. I was told that they would check it out and get back to me in XXXX days. I decided to check-in XX/XX/XXXX. I talked with XXXX who informed me it would now be resolved in XXXX and theres no guarantee that the promotion would be applied. I said that would be a problem. She shared that the backoff team would review and it was in process. I expressed the impact to me as I did not budget funds to be able to pay. This would impact my credit and likely AMEX would also not be happy. I asked to talk to a XXXX. After waiting, I talked with XXXX who let me explain the situation. I emphasized that I could not pay. He went thru the process which already had been explained to me. I acknowledged understanding that but need to do something else such as cancelling the transaction / card. He informed I would still need to pay which I already expressed wasnt possible. He asked about the vendor cancelling which I dont think is appropriate as it wasnt the vendor or I that caused this situation. I explained that I followed the links and he talked about using promo codes. I explained that I didnt enter, change or select any promo codes. He then went back thru the process. I was frustrated and reminded him that I didnt have the funds to pay. He suggested I do a balance transfer which again furthers my financial burden. He didnt offer any actions that he would take which I expressed wasnt helpful. He then asked, What do you want me to say? Im not sure how to respond to it other than its unacceptable as I have nothing to do with the promo site links and why this is the case. The only internal AMEX action he offered, which was not an option, was AMEX internal process with your back office. He then offered to transfer me to the credit office if I couldnt pay I found that very insulting.
Company Response:
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
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: In XXXX, XXXX I purchased with very specific details in writing a custom Chair from XXXX XXXX of XXXX, XXXX and charged it to my American Express credit card. It was delivered to my home on XX/XX/XXXX. I immediately called and texted the Sales Representative, XXXX XXXX and told her the merchandise XXXX was not what I ordered or expected and to make arrangements to pick up the chair and process a return. The store.representative XXXX XXXX provided ill advice and the store never made immediate arrangements to pick up the chair. After waiting on the Merchant to take corrective action. I opened a dispute with American Express XX/XX/XXXX and asked for a charge back and returned the defective merchandise to XXXX. As of XX/XX/XXXX this matter remains an issue that I am left to deal with on my own. the merchant has refused to issue a refund using the excuse, American Express failed to inform them the dispute is closed. American Express did not do their due diligence and investigate this matter properly and provide protection based on the CFPB guidelines. American Express and their Agents misrepresented their intentions to provide relief to me and handle my dispute responsibly and due to American Express abject failure I am now at the mercy of an unscrupulous merchant ( XXXX XXXX of XXXX, XXXX ). As of XX/XX/XXXX American Express has not reversed the charges, after I have submitted testimony, evidence and made numerous calls that the charges should be reversed. The charges continue to incur interest and reporting as a legitimate balance on my account. I have suffered undue financial harm and stress based on American Express inaction and biased treatment and compel the CFPB to act on my behalf.
Company Response:
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
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 have a Bluebird by AMEX account I use for my kids. Someone apparently hacked my login, moved all my kids funds to my main account and transferred {$10.00} to a XXXX party. They then tried to drain the account completely. This was all done as a XXXX transfer which Ive never used and have no idea what it is. Luckily, their fraud dept caught the larger transfer and stopped it and alerted me. I changed all login and security info, while on the phone with them, and opened a dispute for the only actual loss of {$10.00}. THEY are the ones who alerted me about the fraud, but have now denied my claim for the {$10.00} twice as it was an authorized transfer. It was not. If their fraud dept would look at at the account, it would be quite obvious. But after XXXX hours in the phone, no resolution or competency has been reached.
Company Response:
State: RI
Zip: 02891
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been through it with this company. On XX/XX/XXXX I got an alert to my phone that advised fraudulent activity. On XXXX Bluebirds rep advised I would have my card within XXXX business days. WELP, here we are XX/XX/XXXX evening time and still no card. To add a few insults to injury, Ive talked to 12 reps and 1 supervisor " XXXX '' who is off shore and lacks empathy or customer service skills. These genius 's not only did not send me a card but messed up my address so my employer advised the direct deposit rejected. Not only until I called ( after many attempts and having to have my sister use her account info and call on XXXX way to get a rep ) they claimed there was an issue with my address being formatted and its been corrected... Still no debit card!! I have called every day 3-4 times a day since then. These reps tell me oh your card wasnt sent until the 12 then another says oh no no no it was mailed on the XXXX. The biggest slap in my face is 4 days ago a rep had the nerve to tell me they could only expedite my card if I FOOTED the {$25.00} bill to send it. After multiple reps overlooked that my address wasnt formatted ( Their verbiage ). Oh theres more! I get the so called supervisor XXXX from off shore who continued to talk over me, repeatedly advised My card was sent on XXXX then XX/XX/XXXX like the other reps. He not only gave misinformation but he submitted for me to get a withdrawl check by MAIL. I didnt ask for that!! Now Im calling to prevent them from issuing me a check because there is no way I trust these people with sending a check when Ive been waiting on a card for almost 21 days. They tell me to call today and get a stop payment on the check. The first guy says, after leaving me on hold for XXXX minutes, oh their systems are down you have to " call back in a few hours ''! The second guy says oh let me call that department, comes back to the phone saying oh we already sent the check itll be to you in XXXX business days. I STILL maintain my composure after he mutes me and I ask for a supervisor ( XXXX was his name ) Mutes for another XXXX seconds and sends me to another genious who is a supoosed supervisor who puts me on hold 3 times only to do like the last XXXX reps and tells me to call back Monday to make sure the check doesnt get mailed! WHAT! Are you kidding me! The first rep told me she put a stop pay on the check and to call back XX/XX/XXXX if its not posted back to my balance! Meanwhile, I still dont have a card! They keep lying saying they sent me a card and they havent! They have the card and my money! I have called so many times I have gotten the rep XXXX 3 times! The same guy! What are the odds of that in a call center. Just expedite the card and right your wrongs!
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I applied this week for a no fee credit card with Amex. I have a screen shot of my acceptance for that card. Instead of that card, they sent me a XXXX card, which costs {$500.00} a year. I called, and they asked if they should cancel. I said yes. But now my credit score has been hurt because of both the application and the cancellation. I tried to get a supervisor on my call, but they just transferred me to another sales rep. I then again asked for a supervisor, but was just put on hold. After one hour, I had to go to an appointment. This has not been resolved.
Company Response:
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In application page for American Express XXXX XXXX, it says ''Welcome offer not available to applicants who have or have had this Card or the Premier Rewards Gold Card. We may also consider the number of American Express XXXX you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' When I apply for this card, I had never applied for Amex XXXX or PXXXX XXXX XXXX XXXX before. However, today when I called, I was told because I had applied for Amex XXXX, I am not able to receive Amex XXXX welcome bonus. This is totally false promotion. Another issue is with my Amex XXXX When I apply it, I was told I received the offer of XXXX points and XXXX points in Grocery and Gas Station. Amex only gave me XXXX points but not XXXX points in Grocery and Gad Station purchase. I was told today it is because it is just their manager 's decision.
Company Response:
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AMERICAN EXPRESS is attempting to dishonor federal law and the truth in lending act regulation Z by attempting to not regulate it like the open-end credit account it is pursuant to 12 cfr 226.2 ( 20 ) .I am only subject to pay a finance charge from time to time, not any transaction made.Also pursuant to regulation Z it is a well known fact that A bank can not extend credit.Due to that I have conducted a private administrative audit by right of action requesting a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private, I must clarify who funded this account and the amount owed according to the journal and ledger entries from the date of open of the account as described in IRS publication 583 . Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. Pursuant to. 18 USC 8 all debts are the obligations of the United States a federal corporation defined under 28 usc 3002 ( 15 ) .Pursuant to 31 usc 3123 the United States has pledged to pay all public debt and interest.Technically AMERICAN EXPRESS is acting as a 3rd party attempting to collect this debt .Pursuant to 20 CFR 422.103 ( d ) the social security number attached to this account belongs to the social security Administration therefore so does any alleged debts.AMERICAN EXPRESS is in violation of 15 usc 1692e as they are telling me an amount is due on my account that has a positive credit balance which is false and misleading as I can not pay something that is already positive.I have reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error. on June 5,1933 Congress enacted HJR 192 took away our ability to pay with lawful money and gave us legal tender that shall be discharged dollar for dollar. AMERICAN EXPRESS is in possession of a negotiable instrument pursuant to UCC 3-104.even if they dont accept it UCC states they must discharge to the extent of the amount of tender pursuant to UCC 3-603 ( b )
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ON XXXX, I settled an account with America Express. Updates are sent by by American Express on the XXXX of each month. American Express has deliberately failed to update the credit bureau and continues to add negative entries on my credit report, which is continuing to lower my score and prevent us from refinancing our home. When I contact American Express, they state that the account has been settled and nothing else is owed, however, they refuse to update the bureau. They keep giving you additional toll free numbers to call, which each unit tells you that someone else has to take care of it and will not resolve the issue.
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was entered into a consumer transaction with American Express where my social security number was used to receive credit. I the consumer received this credit/credit card and was given the right to used this card with no limit. I have been using this card for some time now for approximately 3-4 years. With my posted charges reaching up to {$19000.00} at some points. I have never been negligent in paying my bill. I reached out to American Express to increase my card limit because numerous times they would decline charges I would make because they said it was past my limit. even though they marketed this card as a no limit card. after reteaching out to American Express to increase the limit or for them to start declining the card they stated that I need to submit bank statements. which I did. after submitting bank statements I received an adverse action letter from American Express saying they took action on my account. and they were changing my account from its original standing to a preset limit of XXXX this is in direct violation of 15 U.S.C 1691 ( D ) ( 6 ) & 12 CFR 202.9 ( B ) ( 1 ) ( 2 )
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
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 XXXX XX/XX/2020, I made a transaction of XXXX on my Amercian Express Card. Due to Covid, the airline changed flight at short notice which was not acceptable as the destination city was in lockdown. On the XXXX XX/XX/2020, XXXX XXXX ( The Merchant ) agreed to refund me the total amount of XXXX and this was confirmed in the Final Determination set out by the Aviation Dispute Resolution on the XXXX XX/XX/2020. I have still not received any refund despite my filing a dispute with American Express and filing a XXXX Claim. I have provided sufficient documentation but still Amercian Express have failed to give me a due refund.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A