Date Received: 2021-10-16
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 American Express XXXX XXXX XXXX card which has some issues. My XXXX is not working for past 4 months. When I try to reset the password, it ask for this American express card details. Card details are never considered correct by XXXX. For last 4 months - I have completely wasted 10+ hours with XXXX XXXX It seems American express sent me a replacement card and XXXX is stuck with the old American express card which American express can not send it to me. While this XXXX XXXX is stuck - XXXX started charging me some XXXX XXXX subscription of monthly charge {$5.00}. Any time i reach out to apple- they simply stated that i need XXXX XXXX ... for which i need right American express card which American express is not helping by providing the old card. So i am into a endless circle with XXXX and American express. In the meanwhile apple started charging me XXXX XXXX charges for which i opened the dispute with American express also. I asked American express to block XXXX for ever ... when they read the terms and conditions for that - it seems customers can not do that and those terms and conditions are very much in the favor of merchant. I asked American express to send me the terms and conditions but they stated they won't. Please refer phone call from me to American express on XXXX XX/XX/2021 at XXXX XXXX with XXXX having ID XXXX Complains with FCC.gov and California attorney general 's office is already opened multiple times about this ongoing issue which is going on for more than 120 days.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened Amex Hilton card in XX/XX/2020 and upgraded it to Amex Hilton XXXX XXXX in XX/XX/2020, which includes a benefits of {$250.00} XXXX XXXX credits for each membership year. From my understanding, the membership year begins in XX/XX/2020 but Amex states that the start point is XX/XX/2020. The condition for the Hilton XXXX card states " Your first reward year begins on your account opening date. '' which doesn't clarify the meaning of the account. Since this is the terms and condition of the XXXX card, it's naturally to think the account stands for the Hilton XXXX credit card account but not the Hilton credit card account. American Express didn't provide any explanation or reminder of the expiration date of the credits and refused to recover the credits for the customs.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
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: I have file several disputes regarding my credit concerns and items that's inaccurate on my credit report.. I credit bureaus, creditors and collections companies aren't complying with the FCRA. I have sent out several letters asking them to provide proof a validity, make corrections, and or remove inaccurate items they refuse to do so.. I have proof of every letter i sent out..
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit card with AMERICAN EXPRESS. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my American Express Card with XXXX XXXX. On my XXXX regarding the same American Express Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with American Express
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I tried to use my card at multiple locations. It did not work at the last 2 : at XXXX XXXX and another location. My card has rewards if I use it at an XXXX location or a participating restaurant so I am missing out on my rewards and have to use other cards. Amex has not solved my problem or even tried. I want them to credit me for the rewards.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2021, I applied online for a XXXX XXXX XXXX American Express Card. The offer included with my application was the opportunity to earn 40,000 bonus miles after {$1000.00} in qualifying purchases are made on the Card within the first three months of Card Membership. I have subsequently fulfilled the requirement of qualifying purchases but American Express has refused to honor its welcome offer and have not provided me with 40,000 bonus miles. American Express has responded and advised that I was not eligible for the welcome offer. American Express has further stated that I was advised during the online application process that I was not eligible for this welcome offer. The response from American Express was incorrect. The company did not advise me during the application process that I was ineligible for the welcome offer, otherwise I would not have proceeded with this application.
Company Response:
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2021, I became aware that my account ending in XXXX was closed due to inactivity. I began a chat session on the American Express app and was told to call XXXX to have a customer service rep assist me in reactivating my account. Upon calling, I spoke with a customer service rep who began assisting me in reactivating my card. They asked for general security information ; name, address, phone and last 4 of social security number. A few moments later, they came back on the line and informed me my card had been reactivated. They asked if there was anything else they could assist me with and I said " yes ''. I needed them to order me a replacement card because I no longer had access to my previous card for this account. They acknowledged my request and put me on a brief hold to start the reorder process. A few moments passed and they came back on the line asking for security questions again, this time for my full social security number and income. I felt uncomfortable providing this information as it felt like they were submitting a new application for a credit card, which I had not authorized. They said I could call back later and speak with a different customer service representative to complete this process if I'd like. Instead, I asked to speak with a supervisor. Again, a few moments passed and they came back on the line stating their supervisor was on another call and would call me back ( no timeframe given ). They also stated that after discussing my scenario with their supervisor that I was indeed applying for a new credit card account ; after they had already confirmed I was not opening a new account. I reiterated this was not authorized and that I only wanted to order a replacement card for the account they had just reactivated. I am filing a formal complaint with the CFPB as I believe I was treated unfairly into thinking I was only ordering a replacement card when in reality, I was applying for a new card. Fortunately, I became aware of the situation once asked for my full social security number and income and did not proceed with the process. I believe the customer service representative actions were deceptive in the fact that they used unscrupulous sale practices in order to sign me up for a new account.
Company Response:
State: IA
Zip: 50023
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: The account was permanently suspended. I called their customer service line but couldn't get any customer service. 3 weeks passed and I didn't receive the refund check for the remaining money in my account.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was promised a welcome bonus of XXXX points for getting applying for Amex XXXX XXXX card from American Express when I meet the spending requirement which they confirmed I did. However, they still have not posted the points and waiting for them to resolve the issue for the last 6 months.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
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: I used my American Express card to pay for a stay at the XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX claims to be pet friendly and mispresented their pet policy when I made the reservation. Specifically, I was advised when making the reservation that proper accommodations and safety practices were in place for pets. That was very untrue since there was no place to walk dogs on the premises and instead they suggested a county run park that was almost a mile walk. In the summer heat in Florida, that long walk can be unhealthy for a dog. Also, I had the Florida XXXX XXXX XXXX investigate the XXXX XXXX XXXX and they were found to have many violations, one in particular which was dangerous to pets was mislabeling and handling of chemicals. Unfortunately, my dog because violently ill during the stay and died. Cause of death was undetermined and thought to be heatstroke or poisoning. I filed a dispute with American Express for the two related charges, XXXX which was dispute number XXXX and XXXX which was dispute number XXXX. American Express closed the disputes in my favor and then reopened on XX/XX/21 and returned the charges to my account. Their reasoning seems to be because XXXX XXXX XXXX refunded the pet fees. To me, a refund of pet fees is an admission of guilt and is not a resolution at all. I feel that American Express did not put effort in their decision and decided to rule in favor of the merchant which is not properly protecting their customer. It was also lazy in my opinion.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A