Date Received: 2023-12-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have an American Express gift card that keeps getting declined eyeywhere, I have enough money on the card for the purchase and no one at the company helps me
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a bonus from my company in the form of an America Express e gift card on XXXX. I tried using it at most online retailors ( XXXX, XXXX, XXXX, etc. ) and it did not work. I also tried it for instore purchases at other stores and it did not work. I called customer service and asked if there was an issue. They informed me there was none and that these retailors " probably '' did not accept this card. I asked for a list of retailors that did and they informed they did not have one and could not provide me a website or another representative that did,
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received two American Express gift cards worth {$200.00} and {$100.00}, respectively. The cards can not be used to make online purchases at XXXX or other general retail stores. Each time I try to use the cards, the payment method is declined, even after following the instructions provided on American Express ' website.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express is committing security fraud against me the aggrieved party the secured party and I have proof in their own words on their SEC filings in their 8-k form, 10-k form, and their Indenture Trustee agreement they have with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. How American Express turned both my credit applications into securities and are trading them on the secondary market without my consent.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, while booking a flight on Delta Airlines on-line, I was offered a Delta Skymiles American Express credit card. The offer included {$400.00} credit on future purchases, no membership fee the first year, and {$99.00} in subsequent years. When I received the first statement, it showed that I owed for one purchase plus {$250.00} for a yearly fee. I called American Express customer service to inquire about the unexpected fee and I was told that the original offer was for a Gold card and not the Platinum card they sent me, which I did not request. Additionally, the {$400.00} credit was only good for future Delta bookings and not for other purchases. I immediately requested that my card be canceled and the yearly fee rescinded ( I did pay for that single purchase ). I have been receiving monthly statements to this day ( XX/XX/XXXX ) requesting payment for the {$250.00} fee plus {$5.00} in interest. I called customer service several times, including on XXXX and XX/XX/XXXX to request cancellation of the remaining balance, yet I keep getting statements showing I still owe for the membership fee plus an interest charge that keeps growing every month.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: American Express online banking XXXX mos CD matured XX/XX/23 ( Sunday. ) Their email and letter said call during grace period to close. I called XX/XX/23 ( Monday ) and was told it would take up to 13 days to transfer my funds to my checking account ; and I would be notified by XXXX mail only. I was later told it would be XXXX days. I called on the XXXX day, XX/XX/23, and was told XXXX days was incorrect. My funds will not be released until XX/XX/23. There is no disclosure of this additional 10 day hold of my funds after maturity in any of their materials, from inception to the letter and email stating my CD was about to/ had matured. This is a deceptive practice, and an aggressive way to keep my funds and allow them to automatically renew for another XXXX mos. ( During a second call on XX/XX/23, I was told I could call a few days before maturity to get the new interest rate and give instructions on closure or renewal. I told the representative this information should have been in their email and letter- it was not. )
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a joint AMEX account with my XXXX XXXX and was settling a travel expense. I took a work trip with a coworker and paid for all expenses with the card. When it came time to do the report, I asked my employer to use a working computer, I asked for my own computer, and I asked several times for assistance. I used a mobile phone and completed the travel expense and had the report sent back with no feedback about the problem, several times. It was finally determined that their mobile program had an issue that didn't allow for " group meal '' as a reason in their drop-down menu when assigning a reason for a transaction. The program only allowed " individual meal. '' Even though the whole report was good minus this issue, the travel won't be paid for by the company. Since then, the trip has been paid for, but not the XXXX in late fees and interest. I paid XXXXXXXX XXXX XXXX on as an effort to pay for whatever tardiness I demonstrated. I believe this as an effort by the company to ruin my career by first grounding my travel, as I have a lawsuit for illegal deductions and a lawsuit for discrimination. I was promised by both my employer and by AMEX that this wouldn't go to collections or reflect poorly on my credit.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I applied for American Express Business Platinum Card on XX/XX/XXXX Reference # XXXX and got denied. Regardless of their reason for being denial, I have a right to credit. Pursuant to 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) " Regulation B protects applicants from discrimination in any aspect of a credit transaction. '' I tendered a financial asset to American Express Company. I am fully aware pursuant to the Security Exchange Act of 1934, their Security Exchange Commission filings Form 10-K Commission File No. 1-7657 that my application is a collateral that is securitized and sold to investors, then monetized on the secondary market.That makes me an in American Express Company XXXX Said company securitizing my receivable asset for their financial gains, but withholding access to my securities is securities Fraud. American Express Company violating the Equal Credit Opportunity Act, Security Exchange Act, Credit Protection Act, Federal Consumer Financial Protection Laws and are engaging in " unfair, deceptive and abusive '' acts or practice. An equal exchange of security was issued. They accepted the financial asset, securitized it, sold it, but are denying me access to my securities. That is FRAUD. Pursuant to American Express Company Form 10-K filled with the Security Exchange Commissions File No. 1-7657 " LONG-TERM DEBT AND ASSET SECURITIZATION PROGRAMS '' As of December 31, 2022, we had {$42.00} billion in long-term debt outstanding, including unsecured debt and asset-backed securities. Refer to Note 8 to the Consolidated Financial Statements for a further description of these borrowings and scheduled maturities of long-term debt obligations. We periodically securitize Card Member loans and receivables arising from our U.S. card business, as the securitization market provides us with cost-effective funding. Securitization of Card Member loans and receivables is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third-party investors. The proceeds from issuance are distributed to us, through our wholly owned subsidiaries, as consideration for the transferred assets. Refer to Note 5 to the Consolidated Financial Statements for a further description of our asset securitizations. " Federal Reserve Discount Window '' As an insured depository institution, XXXX XXXX borrow from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX, subject to the amount of qualifying collateral that it may pledge. The XXXX XXXX has indicated that both credit and charge card receivables are a form of qualifying collateral for secured borrowings made through the discount window. Whether specific assets will be considered qualifying collateral and the amount that may be borrowed against the collateral remain at the discretion of the XXXX XXXX. As of XX/XX/XXXX, we had approximately {$100.00} billion in U.S. credit card loans and charge card receivables that could be sold over time through our securitization trusts or pledged in return for secured borrowings to provide further liquidity, subject in each case to applicable market conditions and eligibility criteria.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Subject : Complaint Regarding Recent Credit Application Decision for American Express Gold Card Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns regarding the recent decision on my credit application for the American Express Gold Card. I am the applicant in question, and I am reaching out to seek assistance in addressing what I perceive to be a violation of my rights under the Equal Credit Opportunity Act. Believing in the fairness and integrity of the credit application process, I submitted my application along with my social security number, fully expecting a favorable consideration. However, to my dismay, my application was summarily denied. I wish to bring your attention to the Equal Credit Opportunity Act, as outlined in 15 U.S.C. 1691c, which stipulates that adverse actions in credit applications must adhere to specific legal standards, potentially resulting in civil liabilities under U.S.C. 1692k. Furthermore, the non-issuance of credit despite my application in good faith raises concerns under 15 U.S. Code 1642, U.S.C. 1681m, and 12 CFR 1002. The use of my personal information without any corresponding credit extension is disconcerting. To resolve this matter effectively and to uphold the values of American Express, I propose the reconsideration and approval of my application for the American Express Gold Card. Such a gesture would not only address my concerns but also reflect positively on American Express 's commitment to equitable practices. I kindly request your intervention in ensuring that the credit decision on my application aligns with the legal standards set forth in the relevant statutes. I am looking forward to a prompt and favorable response. For any further communication, you may contact me via email or phone. Thank you for your attention to this matter. Sincerely, A worried consumer.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Purchased a pre-paid card serve American Express. When I purchased I did not know that I would have to set up a account, and that I could just go to the store ( XXXX ) and reload when and if I wanted to. I was able to go on line and notice that serve has taken two months of fees from the {$50.00} amount I put on card. The charged me {$7.00} in XXXX and another {$7.00} in XXXX. I did not set up an account. I called today and spoke with rep on 7 different times, once I was able to get thru. 1st six times he said they were having technical problems and to call back. On the 7th time he stated he can not cancel the card. All I asked as for the card to be cancelled and funds returned to me in a check. He told me he could not cancel the card. I asked him do I have to get an attorney, he stated yes ( twice ), so then I contacted American Express the rep there informed me there was nothing they can do, although American Express serve is listed on there web site, that the issue is out of there hands.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A