Date Received: 2021-11-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a new American Express XXXX XXXX card and paid a {$550.00} annual fee on XXXX XX/XX/2021. I was unhappy with the card and closed the account on XXXX XX/XX/2021. I spoke with an associate on XXXX XX/XX/2021 and closed the account and also requested a pro rata refund of the {$550.00} annual fee. American Express now refuses to refund to me the unused annual fee. I feel it is unfair for American Express to keep the entire annual fee because I was only using the account for less than 7 months. I feel that it is wrong to retain unearned customer fees.
Company Response:
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for the card with the welcome bonus but upon application I was told that I would not be eligible for the welcome bonus. So I cancelled the application but due to some technical glitch on AMEX 's website the account was opened anyway. I immediately closed it and rejected the account terms. I respectfully request that it be removed from my credit report because it was opened due to AMEX 's error
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for the delta skymiles platinum card in early XXXX of 2021 and was offered at XXXX points welcome bonus with spending XXXX dollars the first 6 months due to covid. Well I made the deadline and spent the required money but I never received the bonus. I called around XXXX of the same year and was told that I was not going to receive the bonus due to a history of misusing incentive bonuses on my american express account. I asked what this was from and they couldnt tell me, nor was I ever told I wasnt going to receive the bonus until I called. They didn't even reach out to me. Later they said I was never going to receive a bonus from one of their credit cards again but once again this was never emailed to me or explained to me I had to call them just to get this information. Im wondering why I was never told what I did to not receive these bonuses, as well as when were they going to tell me if I never called, as well as why was this not resolved or even debtable other than no its not happening sorry. If this was the case I would have never even opened the card to begin with but now Im stuck with a card and no welcome bonus yet again. This was never going to be told to me.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: American Express has a pre existing ticket ( please reference CFPB ticket number XXXX ) open and sadly does not look like they are interested in resolving the matter. Which has been the case since they decided to close the account without cause or justification. They claimed that documentation was sent to me and I never received it. They continue to report inaccurate information and balances on all three credit bureaus even though the account is paid in full. They have used threating and questionable FDCPA tactics over the past two years with me on this account. The debt and delinquency of the account was a directly caused by Covid 19 which involved losing my XXXX. and my XXXX who is a XXXX XXXX being sick from XXXX XXXX. When I called and asked for help and options I was hung up on constantly, threatened, laughed at by there in house advanced collections department. I was consistently called by there auto dialer and harassed even after asking numerous times to please stop calling. American Express has been a complete nightmare.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problem with customer service
Subissue:
Consumer Complaint: Well, there exists a discrimination during my application for AMEX credit card. I got a low credit limits as XXXX us dollar. I have already referred several of my friends to apply this AMEX card. They got XXXX and XXXX credit limits. When I asked AMEX, they said they make the decision based on different PERSON! However, me and my friends came from same place with the same income and study in same school and same major. How could this kind of huge difference come about? Whether they are using profile discrimination or use price discrimination method to treat consumers.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
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 XX/XX/2021 I filed a dispute with American Express for a charge to XXXX XXXX XXXX online services in the amount of {$290.00} for an order that was placed on XX/XX/2021 but never received. I had already spent several fruitless phone calls trying to resolve this with the merchant. XXXX XXXX XXXX has multiple ( nearly XXXX ) online complaints that have originated in the past few months for product that has been ordered from their online retail site which has either never been received, or only an empty box was received. I was initially told by online Customer Care with XXXX that a refund would be processed within 10-14 days and provided this email confirmation to American Expresss. However the refund was never processed and multiple additional calls went nowhere with XXXX, who now has their customer service calls routed out of the country. I was continually put on hold and then disconnected. All of which smacks of a scam/fraud. Two weeks after the dispute was filed I received confirmation that the investigation was complete and a credit was being issued to my account, but the standard disclaimer that they merchant could appeal was listed. A few weeks later I noticed online, when paying my bill, that the dispute had been reopened and was awaiting merchant response. I called and spoke to a supervisor by the name of XXXX XXXX. I related the issues of the dispute and was told that the merchant had a finite period, at that time another week, to respond. This was after they had missed their window once. That time came and went and the time was extended, allowing them another 10 days. Once again I called and spoke to XXXX, who this time assured me that he would be there to make sure I received support if it meant filing with XXXX XXXX. He urged me to give a few more days, another week passed and I received notification that American Express was reversing the credit and recharging my card, no explanation. I once again called and requested to speak with XXXX, was told he was unavailable, but would call within 24 hours. This never occurred. I called again, this time speaking with a representative who was rude and condascending, telling me I just needed to give up and accept the decision. I insisted again on a call back from XXXX and this time was told 72 hours. Five days later I still had not received the return call. I called American Express Corporate Headquarters on XX/XX/2021 and was routed to 'Executive Assistant ' XXXX XXXX XXXX Once again I detailed all information and was told she was committed to getting a satisfactory resolution for me and would call back no later than the XXXX. This never occurred. I called and also followed up with an email to her. She emailed saying she would be in touch on the XXXX, this also never occurred. I once again left a voicemail and emailed, she responded on the XXXX that she would follow up on the XXXX. Once again, no follow through on the promise, once again I e-mailed. This time I recieved an email from XXXX XXXX stating that I could expect a call back from XXXX " no later than the XXXX '', today is XX/XX/XXXX and I still have NEVER received a call back from this individual who has promised return calls for now near a month. I have attempted to go online to reopen the dispute and can not. I have been given the runaround about filing with purchase protection. I feel that I am being played and that American Express is not providing me with the support and service that I am entitled to. I have a situaution of either fraud or theft and can not get support or protection or even a call back from my credit card company.
Company Response:
State: TN
Zip: 37931
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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 had reserved rooms at both the XXXX XXXX and the XXXX in XXXX XXXX for a trade show. XXXX XXXX canceled my flights to XXXX XXXX after i took the first leg of my trip.I immediately called both hotels and was told my reservations would be canceled without me being charged anything and that any deposits would be refunded. When i returned to XXXX a immediately called american express. they contacted both hotels and told me i would be issued full refunds and now they are denying my disputed
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AMERICAN EXPRESS but they failed to give me any results or feedbacks about this concern. Please investigate and erase it from my personal credit file. Thank you.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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: We purchased products from XXXX XXXX ( XXXX ) In XX/XX/2020. Items showed up damaged and order was incomplete in XX/XX/2020. Also company over charged us for items we did not order both products not received and damaged. Company charged us for shipping then claimed we were responsible to submit claim. However you can not file a third party claim for shipping. We have contacted and submitted information to Amex showing that XXXX committed fraud and violated consumer rights issues. As well as delivered damaged items and incomplete order.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/21, I applied and was approved for an American Express XXXX card. The promotional mailing I received stated that I would receive XXXX bonus reward points by spending {$1000.00} in the first three months of the account being opened. This was printed on both the outside of the envelope and then in detail on the enclosed offer. I applied by going to the website listed on the offer letter and entering the code provided. I proceeded to spend over {$1000.00} in less than a month, specifically because I wanted the XXXX bonus points to use toward booking travel around XXXX time. The bonus points and travel I could purchase with them were the only reason I took the card out in the first place. Once I saw that the bonus points were not showing as either awarded or pending, I contacted Amex by phone and a case was opened. After a couple weeks, American Express concluded their investigation and said I was mistaken and that my card offer did not include a welcome bonus. Since, I have repeatedly contacted the company by phone and chat and have spoken to both representatives and supervisors. Despite the fact that I know what the mailing said, because its the only reason I immediately got my phone out and applied for the card, Ive been told that Amex has determined that theres no bonus offer on my card. Even though Amex *still* has a welcome offer for that card ( though its currently showing XXXX points instead of XXXX ), there internal investigation has found that there was no offer on my card at the time I applied ( and therefore that I must have applied for a card with no particular benefits for no reason, I guess ). I requested that Amex reproduce my offer letter, to show me how Im wrong about this, and they said they cant do that. Basically, they got me to take the card out with this really good offer, and now wont honor it and they keep saying theyre right because they say so. Unfortunately I do not have the original card offer. I think its pretty reasonable for a consumer to shred such an offer after applying for the card and trust that the company is going to fulfill its offer.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A