Date Received: 2021-09-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Unfortunately this is likely moot at this point however I received approximately {$1300.00} of AMEX gift cards for XXXX of XXXX and i used some but retained a good portion of one to utilize for my birthday in XX/XX/XXXX. There was almost {$300.00} remaining on one of the {$500.00} cards which i attempted to use at XXXX 's XXXX XXXX in XXXX XXXX XXXX and come to find out the balance was stolen. Needless to say i was more than embarrassed and used my own CC to pay for the meal. I contacted AMEX as soon as i returned home and was advised that they don't replace or refund gift cards! I couldn't believe what i was hearing but the rep wouldn't even take a complaint or report. I was disgusted but never pursued the incident further but did write a scathing review online. My son just found on the XXXX XXXXXXXX XXXX site that there is a {$30.00} refund for an AMEX gift card, purportedly the one I've referred to. I no longer have the cards because I trashed them after AMEX gave no satisfaction however now I would like to lodge a formal complaint. My friend would have been mortified to find the gift he generously gave was unable to be utilized so I never even told him but in the event AMEX does ask you his name is XXXX XXXX XXXX. Please let AMEX know that as a supposedly reputable company they should stand behind the products they sell.
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the account or that the payment was posted. They even blocked my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX friends who have the same card are never forced to verify that they have funds before using their line of credit. This makes traveling extremely inconvenient. At first, their excuse was that I was randomly selected to verify my information. Then it was that I tripped security protocols without emphasizing what exactly happened to do it. On XX/XX/2021, and XX/XX/2021 their dashboard claimed that a payment was returned for insufficient funds. Not sure if it was because of the weekend or holiday but in my bank statement it showed that AMEX took the money from the account without issue. They revoked my entire line of credit because of it. I was forced to call my bank again because I knew that was a lie. They did not leave a note updating this discovery for the next agent. They did not remove the false returned payment listed in the dashboard. Each time I make a payment I am forced to call my bank to verify redundant information and each time my bank sides with me. I believe American Express is discriminating against XXXX cardholders. There is no reason why I have to verify my bank each and every time I make a payment to access my line of credit.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Applied for and received an American Express XXXX XXXX XXXX ending in XXXX. I complied with terms of the promotional offer but was not awarded my welcome bonus. I confirmed twice during phone calls that I was eligible, but the bonus was not honored. On XX/XX/2021, I was told it was not honored because I have a credit card with XXXX. First, I did not authorize my information to be shared under Regulation SP. Second, I do not have the exact card with XXXX. Of course, I was told the exact opposite and relied upon that in both opening and using the card.
Company Response:
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Approximately XXXX years ago I was contacted by American Express fraud department . AMEXs fraud department stated they were concerned that my AMEX Platinum card had just been used for an unauthorized XXXX ride. The fraud department advisor also stated that my account was so compromised that they were requiring me to shut my card down. American Express fraud department also stated explicitly that my balance would be transferred to the new replacement card that they were requiring me to open to replace the aforementioned one. At the same time AMEX also stated explicitly that my credit history would move from the old to the new. So that I would not lose any valuable earned credit history that had been built over the years. For example I had accumulated approximately XXXX AMEX points and carried sizable monthly average balances in the past. None of this happened. AMEX did not transfer the then current balance to the new card. Amex did not carry over any part of the positive credit history to the new card either. After I received my new card I checked the account dashboard. The old card was gone. In its place was an image of the new card. What AMEX had done though was open a new account while concealing the fact it was maintaining the old one. Any trace of the original account was removed. So all I could see when I logged on to my American Express dashboard was one account with one balance which I For the last year Ive made sure that American Express statements are paid off in full. However after putting in place all the safeguards mentioned above shockingly my account has still been locked many times over the last year. How, why, from what? I did a complete re-organization to completely accommodate American Express 100 %? What could it be now? The same almost identical pattern as mentioned above has taken place again at AMEX over the last 12 months. Approximately six weeks ago it turns out American Express has been allowing invisible unauthorized charges to go back to a long since closed credit card account.. ( and just like before not on my dashboard ). Ive never been able to see or discover anything. It turns out Ive been charged hundreds of dollars in late fees and American Express has been devastating my credit .again. False credit reports based on fraudulent activity originated by American Express and its employees. It is my strong personal belief that this is happening on a large scale systematic institutionalized basis as an effort to undermine the consumer and allow American Express to control any and everything it wants. monitored and paid. This went on for quite some time several months then past a year. At that time in my life I was in and out of the hospital. All the while keeping track of, and paying, my bills. Given the circumstances of the time my life was on a more serious level than Id ever known before. And thats when it all began to really happen poorly. All of a sudden my AMEX account starts getting shut down regularly. I could not figure out for the life of me what was going on and why. I called and called Amex. I asked AMEX a tremendous amount of questions to ascertain what was going on. Rather than address and explain to me honestly what had happened during the card transfer mentioned above AMEX deceptively re-entered original ( hidden ) account onto the online dashboard. Now I had two cards on the dashboard and my overall balance more than doubled putting me past my limits. To include fees, fines, derogatory reporting, and aggressive and insulting phone calls from AMEX. American Express deceitfully abandoned the implied and explicit aspects of our agreement at the time. American Express intentionally and with malice single-handedly created the situation which caused harm to me. AMEX then used the very situation they created and used it to harm me. AMEX caused great financial and XXXX XXXX. AMEXs actions effected my credit and forced me to forfeit Business opportunities, refinance opportunities, and higher cost of living. The same actions AMEX also took a great toll on me XXXX. For the last year Ive made sure that American Express statements are paid off in full. However after putting in place all the safeguards mentioned above shockingly my account has still been locked many times over the last year. How, why, from what? I did a complete re-organization to completely accommodate American Express 100 %? What could it be now? The same almost identical pattern as mentioned above has taken place again at AMEX over the last 12 months. American Express has been allowing invisible unauthorized charges to go back to a long since closed credit card account.. ( and just like before not on my dashboard ). Ive never been able to see or discover anything. It turns out Ive been charged hundreds of dollars in late fees and American Express has been devastating my credit .again. False credit reports based on fraudulent activity originated by American Express and its employees.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my XXXX credit report on XX/XX/2021 and seen an unauthorized inquiry from American Express from XX/XX/2021 that I did not authorize. I sent a letter via mail XX/XX/2021 and XXXX XXXX disputing this matter with American Express and requesting in writing what permissible proof they possess such as signature, verbal consent or IP address. I received the first response letter received from American Express on XXXX XXXX stating they couldnt delete inquiry because they needed additional information even though I provided my SSN on my first two letter. Received second response letter from American Express on XX/XX/2021 stating they could not remove inquiry because they have permissions or proof but never provided me with the proof as I requested in writing on XX/XX/XXXX and XXXX, XXXX. I sent a third dispute letter on XX/XX/2021 requesting they provide me with what permissible proof they possess or delete this inquiry from my XXXX credit report because I did not authorize this inquiry. They sent a third response letter on XX/XX/2021 stating the exact same thing the letter from XXXX XXXX stated and still did not provide me with permissible proof. I called American Express Customer Care at XXXX twice on XXXX XXXX. First call a man name XXXX answered listened to my situation and stated he was transferring me to a member of his Concern Team. XXXX from the Concern Team answered and I had to tel him hold music was still playing in background so I couldnt hear him. He turned that off and I voiced my concerns regarding the above situation. He just sat in silence after I was done I said hello hello and let him know the call was being recorded as proof that they were just sitting on phone and then he hung up. That call started at XXXX was on hold from XXXX. XXXX picked up at XXXX then placed me on hold waiting for Concern Team from XXXX and was hung up on by XXXX at XXXX. I was never even asked my name, ssn or anything. Im filing this complaint because I have reached out to American Express via mail and phone and this unauthorized dispute still has not been deleted on my XXXX credit report as of XXXX XXXX. Second time I called a lady name XXXX answered and then the phone hung up.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express sign up bonus of XXXX points was not honored. The sign up bonus received was XXXX. When I called AMEX, they informed me the offer link I used for was for the lesser amount of points. They also confirmed the XXXX offer was introduced in XX/XX/XXXX and it is still valid today on their website. I signed up for the card from their official website. AMEXs argument is that I went to their website and somehow sign up using a link for an offer with lesser points than what has been getting advertised for almost a year. Again, the XXXX offer is still valid today on their website. The offer advertised when I signed up was of XXXX. AMEX is deceiving customers and luring them in with promises of a high sign up bonus that is not being honored. Only AMEX is able to see the offer link I sign up for which is not transparent. This is false advertisement on their end and a cheap tactic to get customers in the hook for a meeting credit card. I did not take a picture of the offer when I signed up, I attached an article from XX/XX/XXXX that advertises the XXXX sign up bonus. I signed up for the card on XX/XX/XXXX.
Company Response:
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2016.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
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 purchased a merchandise on XX/XX/2021 and the item was never delivered to me. By Federal law they are to provide proof of delivery by providing a copy of the Form 4473 and the last line of that for is supposed to have my signature that I picked up my item. all they are providing is a credit card receipt. I explained the to American Express several times but they seem to have a problem understanding me. I do not know where my item is. I stopped contacted the store because I was not getting any answers. I need my money returned. I should not have to pay for something that was never delivered to me.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
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 already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Back in XXXX I noticed charges a couple of times a week that I did not make. After doing my research i figured out that Someone was using my American Express card to purchase food through the XXXX XXXX. After contacting American Express and explaining to them the situation they said they would open an investigation. There where 7 transactions that were totaling over XXXX dollars. The fraud department then emailed me a form which I filled out with the dates and the amounts that were charged. They advised me that they would look into the fraud and let me know and that it could take up to 45 days which was fine. All I wanted was my issue resolved. After contacting them the customer service representative advised me that they decided they were not going to return the fraudulent charges. Ive dealt with American Express for the pasa 10 years and they have the worse customer service.
Company Response:
State: LA
Zip: 70605
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A