Date Received: 2021-06-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened an American Express Platinum card in XX/XX/XXXX with card opening bonus of XXXX Membership Rewards after spending {$5000.00} in purchases in the first 6 months. The first 6 months period ended on XX/XX/XXXX. I checked at least 3 times with customer service through phone calls after this period ended and spoke with a manager one time -- they all confirmed that I had met the spending requirements to earn the card opening bonus and stated that they made notes on my account about this matter. They all stated that the automated calculation of my spending during the first 6 months are incorrect, and their manual calculation yielded more than {$6000.00} of spending during the same timeframe of the first 6 months. However, until today XX/XX/XXXX, I still don't see my card opening bonus of XXXX Membership Rewards get posted to my account.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have American Express cards. As a consumer, I have found that cable TV providers and other commercial actors often try to lull me into inadvertently signing up for recurring charges. I have tried to search my American Express accounts online to identify all my recurring charges, so that I can regularly look at a list of them and weed out the ones I don't want or didn't know I had acquired. American Express has no such search option. They told me to look through successive monthly statements on my own, and see for myself if certain charges recur. XXXX! I am sure they can provide such a search function with ease. They should be made to do so. There are more and more commercial actors defrauding consumers for dollars and pennies at a time, by imposing unwanted recurring charges. Credit card companies should be compelled to take the consumer 's side in this fight, and give us a way to screen our online statements for recurring charges. See, e.g., the way the website XXXX operates.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied and got approved for the American Express XXXX XXXX ( ending XXXX ) back in XX/XX/XXXX with a XXXX Membership Rewards points welcome bonus offer after {$5000.00} spending. I met the spending requirement at the end of XX/XX/XXXX, and however I still haven't seen the XXXX Membership Rewards points deposited in my account after 5 month. I contacted American Express via their online chat with 5 separate occasions ( XXXX, XXXX, XXXX, XXXX, XXXX ), and they all confirmed I have met the spending requirement, and will receive the welcome bonus. The latest contact was on XX/XX/XXXX where the agent told me an investigation is pending to figure out why the points were not issue, but has no ETA. American Express is unable to provide any resolution to this after multiple contacts and complaints.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My account was locked and I wasnt aware about it until after I tried to put money on my card. Ive been going back and forth with American Express and they keep telling me to send a letter to a address. In which, Ive sent the letter multiple times and never received a call or a email from them. I want this problem to be solve because they are withholding my money from me and when I called them they said that my account was in the negative. I dont understand how my account is in the negative when the last time I checked I had over {$500.00} in my account and they dont want to do anything about it except give me the run around
Company Response:
State: CT
Zip: 06114
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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: American Express is not a collection agency. By definition, the original financial institution where we qualified for credit is exactly that, the original bank or credit union. No matter I had delays in my payments with American Express, American Express recognized too late, not in the year XXXX where I contacted them and sent lots of evidence about what was happening at my job, which I still have, but only recently in the letter included from them, American Express, dated XX/XX/XXXX, where they wrote and quote : " Additionally, we located multiple correspondence from you about your account that were reviewed beginning in XXXX. '' But as I wrote and in on record here at the C.F.P.B., American Express back then in the year XXXX never recognized this correspondence, sent by fax no matter they didn't wrote it, American Express never recognized that it was received at all, and in fact never offered much less granted any kind of Payment Extension or Payment Agreement, no matter I kept constant contact with them, and that is not what a collection agency client does, which is the opposite, an account is sent to a collection agency only when the client does not respond, much less when the client pays as I did. The letter from American Express ends with this, and I quote : " Your account has been handled in accordance with our policies and procedures. We thank you for your time and hope to have answered your questions. Sincerely, XXXX XXXX Customer Advocate Services Team American Express Enclosures '' Yes, according to their American Express Policies and Procedures, BUT NOT ACCORDING TO THE FAIR CREDIT REPORTING ACT : BECAUSE I PAID DIRECTLY TO AMERICAN EXPRESS THIS ACCOUNTS USING THEIR OWN INTERNET PAYMENT SYSTEM : THAT IS NOT PAYING TO A COLLECTION AGENCY : EVERYTHING WAS PAID DIRECTLY TO THE ORIGINAL FINANCIAL INSTITUTION, AMERICAN EXPRESS, AND THEY ARE NOT A COLLECTION AGENCY : REPORTING MY ACCOUNTS OVER THE YEARS INCORRECTLY AS UNDER COLLECTION IS NOT ACCURATE, IS NOT PRECISE, AS REQUIRED BY THE FAIR CREDIT REPORTING ACT AND SIMPLY WILL RESULT IN A FATAL CUTOFF BY ANY OTHER MAIN BANK NO MATTER THE OFFERS KEEP ARRIVING TO ME BY MAIL EVEN HOURS AGO, SEE XXXX XXXX OFFER INCLUDED, AND THE FATAL CUTOFF EXPLANATION BY XXXX XXXX, A FORMER SENIOR CREDIT RISK OFFICER, INCLUDED : I DISAGREE WITH AMERICAN EXPRESS RECOMMENDATION THAT I COULD OPT TO STOP RECEIVING BANK OFFERS OR PRE SCREENED OFFERS : SEE THEIR XXXX XXXX XXXX LETTER INCLUDED. AS XXXX XXXX, XXXX, RESPONSE : I DESERVE THE OFFERS AND NEED TO USE MY CREDT AS ANYBODY ELSE SPECIALLY THESE DAYS. THE LAW REQUIRES THE ACCOUNTS TO BE REPORTED WITH PRECISION : NOT ACCORDING TO THE POLICIES OF ANY BANK, LIKE THEY WROTE.
Company Response:
State: PR
Zip: 00949
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A {$95.00} annual fee was assessed to my American Express XXXX XXXX XXXX card in XX/XX/XXXX which I forgot to cancel. I was overseas for some time due to Covid-19 and calling to downgrade the card was forgotten and not a priority when I am afraid to return to USA. I did not have computer access at times and mail was returned since I forgot to forward to the proper place. {$46.00} was credited due to the downgrade on XX/XX/XXXX, to another product but the remaining {$48.00} is being held hostage by American Express for a 20+ years member whose business is not valued. Please refund the remaining {$48.00} as a sign of good will gesture and one time courtesy. Although I like the benefits American Express provides, I will use Visa and Mastercard and will tell my friends and family to use other credit cards. American Express is adamant about its policy of the {$95.00} annual fee and says it is not in their policy to refund the remaining amount. This credit card was a solicitation by American Express to upgrade the card by giving a promotion and I regret falling for the trap since American Express rejected my request. XXXX understood the situation and refunded the annual fee for its XXXX XXXX XXXX XXXX. American Express should follow suit.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: All in a sudden, American Express closed all my accounts on XX/XX/2021, without any clear explanation. Meanwhile, they took away more than XXXX my memership rewards, which I earned by spending hundreds of thousands money using my cards. In addition, American Express filed 1099misc to IRS reporting some rewards I got through referral as income and I even paid tax for them. I contacted American Express several times. It was never resolved or explained. Every time, the customer service promised they would send a letter with reasons or someone would contact me. But it never happened. I did not receive any proactive response from American Express. I have been using American Express 's cards for more than 3 years and I value my relationship with American Express. By submitting this complaint, I want my voice to be heard by someone who can make the call in American Express company.
Company Response:
State: NY
Zip: 14620
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A