Date Received: 2021-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Was told XXXX signup bonus when I apply the card. After I met the minimum spend, Amex customers service I was denied for the signup bonus
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This account is Fraud, I never give anyone permission to pull my report.
Company Response:
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: American Express has been an address listed for me that I have never lived at. It belongs to my parents who moved there less than a year ago. Prior to that they kept sending mail to their previous address which I did live at years ago. I have been asking AMEX to remove the previous address and now my parents current address for years with no luck. I have filled out their forms, chatted with their agents online, and have called several times. This isnt just a mailing issue though. I am a mortgage loan originator and it showed up during my application process to several states and held things up. This has not drastically impacted me in a negative way, but so long as AMEX continues to inaccurately report an address for me, I am at risk of financial information being mailed to the wrong address as my parents are moving again in XXXX. I am having trouble getting anything done directly with them. Please help.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have received dozens and dozens of email offers ( approaching XXXX ) from American Express over the past 2 years offering XXXX skymiles if I add an additional authorized user to my XXXX XXXX XXXX XXXX account XXXX On XX/XX/XXXX, I clicked through one of these offers and added my wife to my account. In the offer it stated I had until XX/XX/XXXX to meet the minimum spend requirement of {$500.00}. I met this requirement within 1 month and have spent the last 4 months waiting on Amex to make good on their bonus miles offer. I have attempted to contact Amex support 4 times, and they keep stating that they dont have any record of active offers for my account, despite me having screenshot proof -- and while they continue to send me the same exact solicitation. On more than one occasion they just closed the case after the promise of an escalated follow up with no response. There is clearly some kind of error in their systems registering click throughs on these offers, but they are refusing to honor to the point it feels like bait and switch fraud.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened an American Express XXXX credit card on XX/XX/XXXX with a welcome bonus offer stipulating : [ I ] must charge {$5000.00} ( the " Threshold Amount '' ) of eligible purchases on the XXXX XXXX from American Express within the first 6 months of Card Membership to earn the XXXX points starting from the date [ my ] account is approved. According to the chat feature with representative XXXX on XX/XX/XXXX, " [ I ] have time till XX/XX/XXXX '' to incur the minimum spending in order to receive the welcome bonus ( XXXX points ). According to a spend report generated through AmEx ( attached summary and individual purchase descriptions ), I spent {$5900.00} during the relevant period of time ; however, {$550.00} of this was the annual fee, which is an ineligible purchase. I have in writing that " Eligible purchases are purchases for goods and services minus returns and other credits and do NOT include : fees or interest charges ; purchases of travelers checks ; purchases or reloading of prepaid cards ; purchases of gift cards ; person-to-person payments ; or purchases of other cash equivalents. This applies to all of my card purchases except for the annual fee, so the result is {$5300.00} of eligible purchases in the first six months of membership. Yet nearly a year after opening my account, I have not received the welcome bonus. Via the chat function, I inquired about my lack of bonus a few months after having met the minimum spend. A representative told me to wait a bit longer for it to post to my account, so I continued until XXXX or so. At that point, still not having received the welcome bonus, a representative manually computed themselves whether or not I had met the criteria : they affirmed that I had! They opened up an internal " investigation '' to amend the matter. A few weeks later after checking back multiple times, I was told rather brusquely that I had not met the required spending. Their investigation claimed I had spent only {$4200.00} in eligible purchases, but they refused to give any further details ( i.e. noting major purchases which were misunderstood as ineligible, etc. ) or anything to explain the > {$1100.00} discrepancy. They refused to re-open the investigation, release a list of purchases deemed ineligible, or give any sense of transparency to the determination.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have two business accounts and one personal account with American Express, all accounts are in good standing, American express cancelled all of my accounts, because they said I was verbally rude to there representatives, I have never been rude or abusive, I have 3 other people who have access to my accounts, and I asked them to let me listen to the conversation
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This was identity theft and the debt is not mine.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a Kabbage by American Express checking account three months ago. I was using the account without issue, when suddenly they locked the account as a fraud preventative measure. The problem is that Customer Service is non-existent. I can not get anybody to pick up the phone ( after waiting on hold for over two hours ), respond to emails, or respond to secured messages from within the checking account interface. They appear to have ceased all communication with myself and many, many other people, judging from data points reported on the internet citing an identical experience : opened an account, used regularly without issues, sudden locking of the account, and a refusal to answer questions. The account also has money in it that I can not access or withdraw. They are holding my own cash hostage.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was recently added as an Authorized User to an American Express credit card without my knowledge. Reading the FDIC website for consumer protection Section 226.12 paragraph 12 ( a ) ( 1 ) states that a request or application for a card must be explicit. However, # 6 of the same paragraph allows the primary cardholder to request a credit card for anyone else. Apparently the exploitation of this legal-ese grey area allowed the credit card to be opened which then caused my credit score to decrease by nearly XXXX points ; in effect holding ME financially responsible for its use. When the account appeared on my credit report I immediately reported this to the credit bureaus and the CFPB : as not being my account, nor did I submit an application, or give approval to be an authorized user. The response from American Express to the CFPB complaint was that they are reporting accurately. My question isHow can an issuer give credit without authorization, affect my credit by reporting an account I did not authorize, and advise they are reporting an account accurately? Is that some type of childish word game? e.g. their response was almost mocking ; it may be fraud, but were reporting it accurately! I called the CFPB when I received the complaint response and was advised to write the FTC. Per their suggestion I have written the FTC the details of the unfair practice. I would like to submit this complaint/ account as fraud to stop any reporting to my credit report. I, again, did not request this account, have ever requested credit from American Express, or have knowledge of its opening, not will I ever request an account from American Express in the future. Also, all this was done while my credit line was purposefully frozen. My next course of action is a local consumer protections attorney as I am currently loan shopping. This fraudulent account ( and credit score reporting ) is causing a burdensome financial impact by affecting my chances at better tiered rates.
Company Response:
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I currently have an American Express blue card since XXXXwhich I have maintained religiously. Last two months I received an email that a platinum card in my name is approved and issued and it will cost me more than {$500.00} yearly. Since I dont have that kind of money and didnt apply for this card, I immediately called American Express and asked them not to issue the card. They promised not to send the card and with no effect on my credit score, but the card came anyway and my credit score went down from XXXX to XXXX. When I called a second time to complain about the arrival of the card and the damage to my credit, I was told to disregard the card and no solution was offered to the damage to my credit. My question is, whos benefiting in opening this account and drastically affecting my credit.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A