Date Received: 2021-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: American Express Savings constantly & non stop sending me email asking me to fund my savings account. So time came i had some money and funded mentioned Savings Account. Ive probably move movie ( {$20.00} not more ) from my external pre paid account to this savings & vice versa. Until one day I eas to login to check status of a certain transfer, i couldnt login so I call and talk to someone and asked whats the status of my account why dont i have the access to it? He went put me on hold, then came back and told me, theyve decided to close my account due to suspicious activity? Anyways, long story short, i accepted their decision bec i dont wan na have to argue with themnbec funds are less than {$100.00} dollars! Which is not my point though. My frustrations are.. theyve closed my savings account and kept my funds too??? Why is this happening to me to much? I cant put my life back together bec of all these XXXX! Please XXXX me retrieve my money back! I need it!
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I WAS A VICTIM OF IDENTITY THEFT I HIRED A LAWYER TO HELP WITH MY SITUATION. IT WAS SUCCESFUL THE NAME OF THE COMPANY IS AMERICAN EXPRESS A FEW YEARS LATERS I WAS CONTACTED BY AMERICAN EXPRESS AS I OWED MONEY THEY TOLD ME NO I DIDNT THEY REQUESTED INFORMATION TO VERIFY THIS WAS SENT I WAS NOTIFIED I STILL OWED MONIES TO ONE CARD ( ONE ) THIS IS IMPORTANT TO REMEMBER. MY CREDIT REPORT WAS HIT. I WAS THEN OFFERED A DEAL TO PAY THEM OVER XXXX US DOLLARS TO CLEAR MY NAME TO GET A CARD ... .I PAID ONLY TO RECOVER MY CREDIT. AFTER A FEW MONTHS TO PAY THEM THEY SAID THANKS AND THEN THEY SENT ME A NEW LETTER TELLING ME I OWE FOR THE OTHER CARDS THAT WAS REMOVED BY THEM IN SUPPORT OF EVIDENCE OF A POLICE REPORT AND VERIFICATION FROM THE XXXX COUNTY DA OFFICE THE PERSON DOING THIS WAS ARRESTED HE NOW SITS IN JAIL. NOW THEY RE HIT MY CREDIT REPORT WITH TWO NEW HITS OF THE OLD ACCOUNTS AND TOLD ME I OWE THEM YEARS LATER FOR NO OTHER REASON THAN I OWED IT ORIGINALLY AND I HAVE TO PAY. MY LAWYER WHO IS ASKING TO GO THIS ROUTE BEFORE CLASS ACTION SUIT FILED PLEASE CAN YOU HELP ME WITH THIS? THANK YOU XXXX
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2021 I realized American Express had suspended my ability to redeem reward points. I contacted customer service and inquired about the reason. Both an online chat representative and a phone representative were not able to provide information about what triggered the suspension of my account. The only information that has been provided is : " We are currently reviewing your account to ensure that you have complied with our terms. We have suspended your ability to redeem. If we determine that you didn't comply with our terms, we may reverse your Welcome Bonus ( if applicable ) or take further action on your account. '' I currently have over {$800.00} worth of rewards that are suspended and, despite attempts, have not been able to contact someone at American Express that can explain why the account is suspended.
Company Response:
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AMEX made an unauthorized credit inquiry that was listed my XXXX report on XX/XX/XXXX. I have written to Amex on XX/XX/XXXX requesting documentation proving this authorized inquiry ( sent via certified mail ). AMEX responded XXXX on XX/XX/XXXX ) to the first letter claiming to have had " permissible purpose '' while totally disregarding my request to be shown proof of my authorization. I have since sent another letter ( via certified mail XXXX on XX/XX/XXXX again requesting the verification method and evidence to my authorization and I've yet to receive either.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for the American Express XXXX Platinum XXXX of XXXX. To confirm the spending bonus awhile after having the card I logged into the AMEX dashboard & chatted with XXXX an AMEX representative on XX/XX/XXXX, & XXXX confirmed the introductory bonus of XXXX AMEX points on my account offer after spending {$5000.00}. I did not see a bonus tracker as other friends stated shows in their AMEX dashboard so I inquired via AMEX chat concerning the bonus again a few days later, & the next rep stated I suddenly was not approved for the introductory offer. Then there was an Amex internal investigation & they came up with the false rebuttal that a popup showed up when I applied. The popup did not produce when I applied period. Otherwise I would not have applied for the AMEX personal platinum card. This tool Amex now utilizes sounds like it was not functioning or in a beta version when I applied for the card & the introductory bonus offer & terms were obvious. I have evidence to backup the claims made here.
Company Response:
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: My American Express credit card provides a feature to extend warranty of a product by 1 year in addition to the original manufacturer warranty. I had bought an XXXX XXXX in XXXX of last year via this credit card from XXXX XXXX and all of a sudden the product stopped working couple weeks ago. I called American Express and filed a claim and was told that they will send me an email if they need anything else. I called again after 3 days of filing the claim but the person said I can not provide you the status and I will receive an email in couple days. I then receive an email stating that this feature is not available on my card. This is totally inaccurate/false as I have used the same feature before on exactly the same card and even there website provide this feature description after I logon to my account on their website. It is totally unfair and bait and switch practice that is just hard to accept. I am providing the key details below : Amex Claim # XXXX XXXX XXXX Charge Amount : {$270.00} Date : XX/XX/2020 Product : XXXX XXXX
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: My interest rate was hiked 25 % from 12.24 % to 16.24 % WITHOUT LEGAL NOTICE. My FICO score is in the XXXX. Have been a cardholder for 30 years. A 45 day notice of interest rate increase is required by law. American Express willfully and knowingly violated that law. American Express must be forced to comply with financial regulations to protect consumers and small businesses. American Expresss management is arrogant and deceitful.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: The current problem I am having with American Express is that I am paying a monthly payment of {$90.00} per month for the last ( 2 ) years and I notice my balance is still the same basically. Since I have not made any purchases and the card was closed 2 years ago since I entered into a financial program in order to pay off the card. The program allowed me to pay off the balance of the card at a lower interest rate. Since the balance had not gone down recently, I decided to check my recent statements. I found that I was paying {$47.00} - {$52.00} each month in interest and there was an unexplained fee on my statements of {$40.00}, {$29.00}, {$29.00}. Between XXXX, 2021 & XXXX, 2021, I have called American Express countless times, I explain the situation which takes about 2-3 minutes, I am then transferred to another person, I re-explain my exact situation and is put on hold and transferred another time. in XXXX, 2021 I was transferred a total of 4 times. I then contacted the XXXX XXXX XXXX. Finally, I get a call from American Express today explaining to me that they can not offer me any solution to my issue because the program I was in had ended after 1 year. I spoke to a Ms. XXXX XXXX today approximately XXXX XXXX She could not explain the fees I had encountered and was rude and inconsistent & showed no compassion, I explained to her that Amex gave me the impression that I was in this program until my bill was paid in full, and why would this company set-up a program for 1 year knowing the balance would not be paid off and the interest tripled making it impossible for a XXXX on a fixed income to ever pay off. This is an unfair and taking advantage of a customer and forcing into bankruptcy. Unsuspecting consumers are drawn into a program in an unwitting way while this company well knows in 1 year the balance can not be paid and is something that is probably in the fine writing that no one will read. Thus far I have already paid approx {$700.00} in about 6 months in interest & fees alone and wish to have this reimbursement.
Company Response:
State: CA
Zip: 92821
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: AMEX XXXX My wife and I are very sick of this. This issue needs to be closed asap. I do not care about AMEX internal processes. Anyone who had this happen to them would be absolutely furious because nobody likes to be scammed like this. 1. I don't know these people or these places, I was driven to them as part of this scam 2. I was XXXX assaulted in one of these businesses 3. I was blackmailed by one of them 4. AMEX has ruined our lives for two years trying to collect money from a XXXX victim 5. This was an obvious scam, nobody blows money like that for no reason 6. AMEX has been involved with these people before and they already know they are capable of something like this. 7. I am beyond angry that this company would demand I pay for my own XXXX assault, it's reprehensible 8. I don't care anymore about what AMEX does other than closing this account If AMEX chooses to bill me for these illegal activities, fine. But we want to move on, I'm tired of playing games with this company.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: American Express XXXX offered two {$50.00} credits for spending {$50.00} or more with XXXX XXXX if it was ordered online. I spoke with a representative about this and other officers and was told I had to order the item online which is what I did. I relied on their guidance. I purchased two items online under this program on XX/XX/2021 and XX/XX/2021 and did not receive the credits from Amex. When I called AmEx they said the orders did not qualify because they had to be shipped to home. They claim they can not do anything about this because the credit is 'system generated '. I am submitting a complaint because I was advised by an AmEx representative about the offer and the requirement to purchase online ( which I did ) and nothing about having the item shipped to the home. I believe I was misled and met the substantial requirements of the offer. The fact that this offer is system generated is not of my concern. I had called to cancel my card in XXXX and the representative walked me through this and a couple more offers as a way to entice me to keep the XXXX card. I relied on this information to keep my XXXX card.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A