Date Received: 2021-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Called and asked if we accept credit cards ( our business ). And asked if we accept American Express. The. Hung up. Called back and voicemail claiming to be American Express. Phone number that called me is ( XXXX ) XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: american express will not fix my problem without me getting on the phone, which i can NOT do because i am XXXX. Please Call I CAN NOT CALL ON THE PHONE, I AM XXXX The concern on your account can not be resolved online. Please call XXXX at your earliest convenience. something is wrong an i am XXXX i can NOT call on the phone!!! FIX WHATEVER IS WRONG AND LET ME GO XXXX!! SEND ME AN EMAIL AT XXXX XXXX YOURSELF I AM XXXX!
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that 3 Credit Bureaus is lack proper record keeping. The Bureaus are required to verify for themselves but I will go ahead and remind you that this accounts were paid, closed, and no longer active. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove these accounts immediately. AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$1600.00} ;
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had American Express Cash Preferred card. I decided to close the credit card account because of the {$95.00} annual fee. When I called customer service and asked to closed account, the customer service, Cal, representative informed me he can not processed a {$15.00} Reward Balance I accumulated with the American Express while using the card. Cal closed account without redeeming my XXXX Reward balance stating that minimum for redemption is {$25.00}. What Cal failed to disclose is that I could have redeemed {$15.00} through XXXX as card has been attached to my XXXX account. Additionally, the offered benefits on the card was not the {$95.00} annually fee I was charged.
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The Amex Platinum card promised XXXX dollars for travel to offset the annual fee ( {$550.00} ), but it was not clear to me that it was only for incidental charges but not booking flights. There were also perks like monthly $ for XXXX or XXXX where I found that ordering through UberEats could be more expensive than ordering the actual meal at the restaurant + restaurants would stop accepting it without notice so I could not use it the way I anticipated. Then they raised the annual fee going forward for the exact same card without asking consumers if they are interested in it ( you would think that they would have to offer consumers the right to the same terms as they signed up for ) and offering new benefits. One of these was XXXX dollars to book hotels at fine hotels and resorts so long as you book through their portal. I booked a hotel through their portal and was wondering why I did not get my credit back. Turns out that it was for a collection of hotels and resorts ( super expensive ect. ) that THEY call XXXX XXXX & XXXX, but not any hotel offered through their portal! Eventually I was fed up with them and tried to cancel the card. They gave me a hard time trying to convince me that I should keep it, including requiring me to transfer to a " special team '' whose job it is to convince me to stay, but finally read me the disclosures and " cancelled '' it. Only they never really cancelled it. A week or so later I checked up on it, fortunately, and discovered that they never did cancel it. I had to call back again and go through the same process. Only then did they truly cancel the card.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Summary : In the monthly statement ending XX/XX/XXXX, American Express charged me an interest amount that is XXXX times that of interest that I actually owe. Detail : In the preceding statement period, I paid off the minimum balance due ( {$35.00} ) before due data ( which was XX/XX/XXXX ) and the remaining statement balance ( {$670.00} ) a day after the due date ( on XX/XX/XXXX ). I have a promotional APR oXXXX XXXX XXXX till XX/XX/XXXX. Based on my calculation, the interest I am subjected to on my remaining statement balance is ( XXXX {$670.00} ) XXXX = {$0.00}. However, American Express charged me {$1.00}, an amount that is almost XXXX times that of what I actually owe. When I reached out to American Express about the issue, they said that I am wrong, that they calculated the interest amount correctly, and that this is how their " system '' calculates interest payments for everybody.
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi, My all AMEX credit cards were cancelled by Amex today ( XX/XX/2021 ), Amex is my favourite credit card company because I really like their service and the credit card benefits. I hope Amex can make another reconsideration of my case. I always pay my bills on time and have an excellent credit score, On XX/XX/2021, I got a financial review from Amex, I guess it was caused because of some XXXX purchases made by my Amex XXXX credit card, then I paid off all bills right away to keep the balance be XXXX ( I always made the payment on time ). Amex Financial Review says I need to provide my tax return to verify my income, then I filled out the 4506-C form ASAP, so Amex will get my tax return from IRS ASAP and Amex agents told me that it usually take one or two weeks. However, it takes more than 2 months and I still do not get any response from Amex. When I tried to reach out to Amex again, they told me they are not allowed to get my tax return from IRS due to some system errors or IRS delays, and then they ask me to request one from IRS and ship it to them. It is very sad to get this message, but I still request one from IRS right away and then I ship it to AMEX. On the morning of XX/XX/2021, the most disappointing thing is that Amex told me the tax return format is not what they want, and I will not have enough time to get a second try. I am very sad to get this result, but it is not fair to me. Usually, Amex gets the tax form from IRS directly, and I was trying to do my best that I can do. I really want my AMEX cards to be good to use because I do have two family trips next year, and we hope to have a great trip experience with Amex platinum card benefits ( plan to apply next year ), I also recommend Amex cards to my friends and family members all the time to tell them, Amex is the best credit card company, you can get whatever cards you want, and they have an. excellent customer service.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
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: PLEASE HEPL!!! I currently have an account open with American Express for my platinum card. One of the benefits that this type of card provides is the Purchase Protection policy. It covers you for loss, damage or theft of items purchased with your platinum card for up to 90 days after the purchase. I recently bought a pair of gold emerald earrings in XXXX during a trip there ( XX/XX/2021 ), unfortunately I lost my earrings on a trip to XXXX, XXXX to the beach weeks after the purchase ( XX/XX/2021 ). I called Amex XXXX to provide all the details of the loss and submitted an online claim with all pertaining information. Since then, they have been really difficult to provide a resolution. Every time I call, the waits are long on the phone, and they have asked for a recorded statement, which I provided to them, nevertheless they have come back and asked for a recorded statement from all family members present in the trip with me, and also a recorded statement from the person who hosted us during the trip, and pictures from the trip. Amex XXXX is working with another party a G4 S claim examiner whose request for additional information are not adequate. This is in fact a way for them to make this claim 's resolution lengthy and difficult, and not pay the claim when by the policy means I am entitled to receive the benefit after providing all adequate information pertaining to the process of the claim. PLEASE HELP!! claims is for {$3700.00} Thank you!!!!
Company Response:
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
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 has a feature called " Amex Send & Split '' that allows you to send money to friends and family. On XX/XX/2021, I transferred {$2000.00} to my Amex Send account in order to send it to one of my friends via XXXX, but he wasn't available at the time. I returned the money to the card and waited a few days, but the money never arrived. I have activity transfer proof that I returned the money and every proof that the money was sent and returned to the card. American Express acknowledged the issue and opened a couple of tickets, but they were never resolved. Every day I call and I get no resolution. They promise to call me back, but no one does. Kindly help me!!!
Company Response:
State: CA
Zip: 92841
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: I sent a wire transfer in the amount of {$5000.00} from my XXXX account to my XXXX XXXX Business Checking account on XX/XX/XXXX, the XXXX is XXXX, Amex business checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. However, according to XXXX, they do not see the fund associated with the transfer. Ive been contacting both banks back and forth for multiple times to no avail. Please investigate the issue.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A