Date Received: 2023-12-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XXXX of 2023, some unknown person got unauthorized access to my American Express account ( an Hilton XXXX card ) and added XXXX authorized users, all of whom I do not know. I immediately contacted Amex and was put through to their fraud department and told that those unauthorized cards would not be printed and were removed from my account, and that I would get a new card. Several days later, all the cards arrived in my mail and I started being bombarded to activate the cards for my authorized users. I called Amex, who again said they would remove those unknown persons from my account. I have recently called again, over XXXX months later, because these names remain on my account. Amex keeps giving me a run around how they need 30 days to remove these fraudulent names off my account ; over a week since my last contact with their fraud department and they are still on my account and they claim they are " investigating ''. If I don't want someone on my account, it's my right to remove them, but it's so wrong to keep these names on in fraud. Absolutely unacceptable.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: ___________________________UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS, EQUITY AND INTEREST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT I AM FULLY AWARE THAT AMERICAN EXPRESS HAS OBTAINED MY ORIGINAL CREDIT CARD AND HAS OBTAINED MY CREDIT CARD APPLICATION WHICH HAS BEEN SECURITIZED AND AMERICAN EXPRESS HAS A OBLIGATION TO PERFORM UNDER THE TRUST INDENTURED ACT OF XXXX AND SECURITY EXCHANGE ACT OF XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DESPITE UNLAWFULLY CLOSING DOWN MY ACCOUNTS OVER ALLEGED MONEY AMERICAN EXPRESS " DID NOT '' LEND TO ME AND CAUSING ME MASSIVE FINANCIAL HARM AND CHARACTER DEFAMATION, AMERICAN EXPRESS HAS DENIED ME MY RIGHT OF ARBITRATION AND HAS FAILED TO RESPOND TO MY CONDITIONAL ACCEPTENCE WHICH AMERICAN EXPRESS RECEIVED AND ACCEPTED UNDER THE POSTAL RULE BIENG NOW IN DISHONOR. NOTICE IT IS FACT IF AMERICAN EXPRESS DOES NOT REINSTATE MY ACCOUNTS AND CONTINUES TO BENEFIT FROM MY SECURITY WITHOUT GIVING ME ANY BENEFIT THAT IS AUTOMATICALLY A VIOLATION UNDER 15 USC 1644 AND SECURITIES FRAUD WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO REGULATE VIOLATIONS.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have an Amex which has a feature of 5 % cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers. I have user this Amex card paying my cellphone bill from XXXX which is a legitimate wireless telephone services in US. I have spend nearly {$3000.00} per year for last couple of years, and Amex never honor me the 5 % cash back and I have made a couple attempt to call but it never resolved.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a prepaid American Express gift card valued at {$250.00}. When trying to make purchases online ( via XXXX, XXXX, XXXX, etc ) the card is declined for each purchase. The amount for the purchases ranged from {$10.00} to {$38.00}, for which I had more than what was sufficient to pay for my purchase. I currently have a balance of {$140.00} with two {$0.00} holds from XXXX and XXXX after failed purchases on their websites. This also happened with another prepaid American Express gift card valued for {$250.00} as well. This card would also decline when making online purchases on XXXX. This card has a current balance of {$0.00} available.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On a weekly basis, I consume routinely both political and financial news. Typically, it keeps me informed on what is going on in the world, but rarely do I see any true connection or impact to my own life. Recently, I did have such a connection. I read that the Consumer Financial Protection Bureau was working to eliminate 'junk fees '. Shortly thereafter, I noticed that I had made an inadvertent lapse on an American Express Hilton credit card that I use for daily expenses. I normally pay the charges in full each month, but I had paid the XXXX charges on the statement date ( XX/XX/2023 ) and the XXXX charges after the next payment due date ( XXXX date : XX/XX/2023 ; Paid date : XX/XX/2023 ). Therefore, I carried a balance of {$47.00} between the months probably from pending charges that cleared. As such, American Express Hilton charged me a {$5.00} late fee, {$32.00} in interest, and confiscated the reward points ( valued $ XXXX ) for the month. I can understand the late fee and the interest as they are proportional and calculated based off the cards use and balance. But the rewards points confiscation is unlimited in its cost to the consumer. If I had spent more, then the confiscation of rewards points would have been as high as my spending, not my late payment. I have never known another credit card to charge XXXX % in a month based on credit card use. Even if legal, this activity should be discontinued through the Consumer Financial Protection Board or Congresses action in support of them. I sent this to my congressional representatives for future consideration as well. Thank you
Company Response:
State: GA
Zip: 30809
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
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 have serious concerns that American Express ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process. The Company is also failing to acknowledge and directly reply to my inquiries and submissions in this matter. I have spent hours of phone and writing time, in an attempt to communicate the very straightforward facts of this case to the Companys representatives, but have received nothing that could be considered responsive to a dispute which has been pending for 5 months now. Very simply put, I have not received the merchandise that was ordered and billed to my account by the merchant. The merchant has provided documentation of some delivery, but not delivery to my address. In fact, the merchants own tracking indicates that someone by the name of XXXX received the package. In the Companys recent rejection letter, it wrote : Please understand that American Express is not in a position to determine if compensation is due If there were true, then what exactly is the purpose of a dispute process? This is a fairly absurd statement for the Companys dispute services team to write. The Company also asserts that there is proof of delivery. This is also not the case. A package allegedly received by someone I did not authorize, whom I have demonstrated is a resident in another unit in my building, is hardly proof of delivery.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I recently signed up for the American Express Delta Gold Credit Card. Upon signing up. I was given an offer for XXXX BONUS AIRLINE MILES after reaching an eligible spend of {$2000.00}. I hit this spending rather quickly after waiting to sign up for home improvements, and using the card for trips. I love the card, and XXXX XXXX. I have reviewed every word, and action of my offer terms, and I have spent every dollar correctly. Its been XXXX weeks, and still no bonus miles arriving in my account. I have called numerous times, Ive been placed on hold multiple times, Ive been disconnected on multiple times, Ive been awaiting my miles as promised in my offer. This will be my last American Express card I have. I want was is promised to me as would anyone else.
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I attempted to make a purchase for XXXX at a shop and it was declined multiple times in front of a store full of customers humiliated. Decline and then I reached out to chat and it never said my XXXX balance was decreased to XXXX
Company Response:
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a {$260.00} gift card From American Express and when I went to make an online purchase it said the card issuer was declining my purchases.
Company Response:
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A