Date Received: 2021-08-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for Amex XXXX card and received the welcome offer -- XXXX points will be posted to my account within 12 weeks ( this is the max time ) I have reached the required spending. However, it's been 12 weeks already and their customer representatives have also confirmed that the spending has been met. I still haven't received the points. I have contacted their customer representatives more than once regarding this. It hasn't been resolved.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other stuff they send. I don't want them. I have even opted out with the credit bureaus even to my email I should not be getting this nonsense -- so you should NOT be sending me anything offering anything extra email or regular mail. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have had a traditional XXXX AMEX card since XXXX. I have received many offers over the years to upgrade to the XXXX AMEX but due to higher annual fees and other issues I have never upgraded. In XX/XX/XXXX I received an offer through my online account to upgrade to the XXXX AMEX Card. It was an automatically approved upgrade so wouldn't result in a credit pull and the promotion that got me to upgrade was {$1000.00} spent in the first 3 months of the upgrade would get me XXXX Membership Rewards Points. Since I knew I was going to be purchasing a new laptop I thought this was a good deal and decided to upgrade. I even have a transcript session with AMEX live chat where I confirmed the specifics and when I had to complete the {$1000.00} in purchases by. I completed well over {$1000.00} in the three month time frame but my Rewards Points have not been added to my account. It has now been two months since the purchase and I contacted AMEX last month to find out the status. The agent said he could see the live chat confirming the details and that he could see the promotion, but for some reason it didn't show it had been earned. It was pretty simple - spend the amount in three months and get the Rewards Points. So he was sending to the back office. But he said that could take well over a month for review and I was responsible for getting back to them. I have never heard back or gotten the points. In the meantime I have been reading complaints and reviews and see that AMEX has an apparent history of not following through on promotions - even when it is clear they were earned. There are all sorts of people that received financial payouts because they never got their points for promotional offers and closed their cards - AMEX just saying it was a glitch in their system. Shame on AMEX. A card with a reputation of being only for higher credit scores and loyal customers - yet they don't follow through on their own promotions. I had to pay a higher annual fee for this card which I wouldn't have done had I known they were not following through on the promotion. That is all I want - my promised reward points. And maybe a few extra for the time and effort I have had to devote to trying to get them. The XXXX XXXX XXXX is a beautiful card - let 's just hope AMEX can come through on this.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/2021 Consumer Financial Protection Bureau, What Happened? : Per XXXX Vila/Amex, We apologize as we misstated the date of the chat as XX/XX/2021, in our previous response to the CFPB Ref No : XXXX XXXX XXXXAmex did not misstate the date, but intentionally omitted the text chat and explicitly lied to the Federal government/CFPB regarding Amexs fraud matter that I reported to the CFPB XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/2021 regarding the XX/XX/XXXX text chat with XXXX in XXXX/Amexs failure to follow directions. Per C. Vilas/Amexs XX/XX/2021 explanation to the CFPB, You responded to have the system replace the stolen funds or close your account. We offered to stop the credit balance refund and credit your account. You responded goodbye and the chat ended. Here XXXX XXXX admits that I did in fact direct XXXX to close the account, whereas, before, XXXX XXXX claims that Amex could not locate such an order, We were unable to locate a prior cancellation request, which is C. XXXXAmex explicitly lying to the CFPB. Per XXXX during the XX/XX/2021 text chat, I understand. We can request for the credit balance refund check to be cancelled and have it brought back to the account. Abe/Amex literally stated We ( Abe/C. XXXXAmex XXXX would do as I told them, meaning that I have no further role in the matter, so I hung up on XXXX, yet We ( Amex et al ) failed in the simple task which was their charge. Despite XXXX XXXX lies to the CFPB, I never responded XXXX. As I clearly reported to the CFPB, I hung up on XXXX for misusing my uncompensated time. XXXX said he was going to handle the matter by requesting whatever, meaning that my place in the matter is complete, so I hung up on XXXX because XXXX had work to do ensuring my customer needs were met immediately and accurately. XXXX obviously failed, and XXXX likely intentionally failed as retaliation for my hanging up on XXXX, and XXXX XXXX does not understand that XXXX XXXX has continuously and readily lied for Amex to the Federal government/CFPB, and harassed me for months on end regarding Abes/C. Vilas/Amexs failures and fraud. I already said that XXXX XXXX can not explain their way out of this matter, and that I have already forwarded Amexs fraud matter to the Federal Trade Commission XXXX XXXX : XXXX ). I also clearly stated that I destroyed the card and that I am not calling Amex, yet C. Vila/Amex in their continued harassment of me have chosen to ignore that I am no longer an Amex customer, nor have I ever been an Amex employee, so every piece of communication that Amex has issued to me since the XX/XX/2021 text chat is continued, persistent, unwanted, identified, and logged as harassment. Instead of immediately resolving the problem, XXXX XXXXAmex have chosen this power-play as a demonstration of Amexs award winning customer service and culture of ignorance. Instead, XXXX XXXX is defending Amexs failures and fraud with continued harassment of me. As I ordered, XXXX XXXX and Amex are not allowed to contact me in their continued harassment, yet Amex chose to send me their spam email harassment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, in addition to XXXX XXXX continued culture of ignorance, discrimination, and predatory revenue creation explanations on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021. XXXX XXXX incapacity for literacy, failed fact-checking, blatant lying to the CFPB, and continued harassment of me violate my XX/XX/2021 explicit direction, I want nothing to do with Amex ever again. Per my XX/XX/2021 XXXX XXXX ), XX/XX/2021 XXXX XXXX ), and XX/XX/2021 XXXX XXXX ) reports to the Consumer Financial Protection Bureau, all American Express communications are logged as harassment spam and forwarded to the Consumer Financial Protection Bureau and Federal Trade Commission to assist informing lawsuits regarding any and all American Express discrimination and predatory revenue creation practices. What would be a fair resolution to this issue? : Protection from fraud, harassment, retaliation, discrimination, predatory revenue creation, systematic exploitation of my identity, and violation of my Federal Civil Rights. Compensation for damages and exponential mental anguish. Prosecution of XXXX, XXXX XXXX, American Express, et al. -- JM XXXX XXXX XXXX : XXXX ( XXXX XXXX XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all predatory revenue creation practices.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Contacted them 9 different times on in the last 5 months MUTIPLE times. Late fees are keep being applied to my account. The merchandise I ordered was never sent to me. I keep getting applied interest to the account. I got a police report on file and a detective trying to investigate. But American Express does not care about my problem and just wants my money. There is multiple cameras outside my residence that proves my statement of me not RECEIVING anything. But they call me a liar which is very unlawful and illegal. I dont have a say because XXXX XXXX XXXX? Im not a criminal or ever been one. I keep trying to reach out to the American Express customer service and they just put me on hold for long periods of time and transfer me to another employee where I have to keep repeating myself about the problem. I beg you please help me. This is illegal FRAUD. American Express is doing against me. Im a XXXX XXXX that is being cheated out of his rights. What do I need to do?? I have filed a dispute but they keep denying me and being very disrespectful to me. I have multiple LEGAL RECORDINGS OF THE EMPLOYEES SAYING THEY DISPUTE THE CHARGE BUT I KEEP GETTING CHARGED LATE FEES AND INTEREST FEES. How come this company doesnt help me??? Please Im desperate for help!!!!
Company Response:
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/XXXX, I logged into my Amex online account to see that my Amex Gold card was targeted for an upgrade offer to the Platinum card, which came with the following upgrade bonus : XXXX Membership Rewards points after {$2000.00} spend, plus XXXX Membership Rewards points on grocery/gas spend for first 6 months. I reviewed the terms, was eligible for the offer, clicked through to accept the offer, and was approved. After a couple weeks, I had hit the spend threshold and was actively putting grocery spend on the card, but the upgrade bonus didn't post, and the groceries were not earning XXXX Membership Rewards points. On XX/XX/XXXX, I called the Amex support line only to be told that the offer was attached to my card, that the points may be delayed, and to keep spending on groceries because the bonus points would post within 8-12 weeks. In reliance on these representations, I continued to put spending on the card. On XX/XX/XXXX, I called again and was told the exact same thing : offer is attached to the card, all good, keep spending. I called back again that same day to confirm that the first agent was correct, and to ask the agent to open a support ticket on the issue. The second agent indeed confirmed the first agent 's advice, opened a support ticket, and told me to keep spending. Today XXXX XX/XX/XXXX XXXX, I called again, and the ticket had been closed, stating that my card was ineligible for the bonus. The agent let me know that according to the Membership Rewards team, the card was never eligible for the offer. The Membership Rewards team claims that when I upgraded the card, I clicked through a popup stating that the card was ineligible for the welcome bonus, which is absolutely categorically false. Further, I was assured by four separate agents that my card was indeed eligible, which induced my to put months ' of spend on that card. The XX/XX/XXXX agent told me that she escalated the matter as far as possible, and that the Membership Rewards team will not be adding the offer or honoring the points that I should have earned for the spend that I put on the card in reliance on four ( 4 ) separate agents ' assurances. This unfair and deceptive practice cost me roughly XXXX Membership Rewards points XXXX which I could have redeemed through Amex 's travel portal for over {$750.00} in airfare ) and hours of my time repeatedly calling in to be lied to about my card 's eligibility for the welcome offer.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My card got an offer from American express for " let 's go shop small '', got {$5.00} credit after spending {$10.00} or more, maximum 2 credits. I selected the offer, and made two purchases in the shops which are in their map, but never got any email confirmation and also the credits. I did this last year with the similar offer, and always got the email confirmation shortly after the purchase, and got the credit days later, but this time, something is wrong, so I chatted with the Amex customer support person, they confirmed that something maybe wrong, so they opened an investigation for my case ( case ID is XXXX ) in XX/XX/2021. After that, I chatted with them for more than 3 times for the status of my case, but so far, no any results.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, XXXX ( a chat supervisor ) promised me {$150.00} credit for issues related to rewards points and account closing. On XX/XX/XXXX, no credit was showing and I was told it would take another 48 hours. Here is what XXXX said on XX/XX/XXXX. " I have issued {$150.00} credit on your Amex XXXX Card For which you will see the adjustment within 5 business days "
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: I received a direct deposit from the SBAD Treas XXXX on XX/XX/2021. I received and email stating my funds where available. The next morning I couldnt use my card. Called and found out the account had been suspended. They couldnt give me a exact reason why and told me there was no number or email just a P.O. Box where I would have to send a letter. I did that and still havent heard anything. I wasnt notified about the account being suspended or why.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit card in my name but altered misspelled. A business account that I dont own and the name is misspelled but has my addresses. They are also trying to forward my mail.
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A