Date Received: 2023-03-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My credit was impacted negatively from American Express reporting to my credit that I was 30-59 days late as my worst payment status from XX/XX/2022 through XX/XX/2022. I communicated to American Express that I was impacted negatively financially due to XXXX and was put on a payment plan but I was not aware that negative credit history was going to be reported on my credit report. This charge card is since paid off and I would like to request that American Express removes the negative late payment history reported from my credit reports all 3 credit bureaus. Thank you!
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have made several disputes over and over again and every time I do they drop my credit score and make it worse
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am being charged late fees when I paid on time and was enrolled in autopay
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: American Express bluebird will not give me back my deposit for a hotel stay that was done on the XXXX of XXXX at the millennium hotel, I called bluebird and stated that the hotel was disgusting and they had to move us twice being that 1st time was n mn to clean and still in a used state after a customer and 2nd was not the room classification that we paid for, this room was to include multiple amenities and perks that would justify the elevated price. Ex. Special club level business room with free snacks and soda to make the stay as comfortable as possible was locked out to us and seemed as a front to trick customers into staying with them. The room was not updated since the 80s. And dusty and smelly. Not a XXXX dollar room which they also charged XXXX dollars for parking ( supposed to be comped for customers ). And also charged XXXX dollars on card for incidentals in which was told bluebird wont release and to wait When we called the 2nd time it felt like the call was a joke when we got transferred to some overseas call center. Would not say anything but the exact statement over over again. Nothing we can do we suggest you wait. Asked about certain emails we Received from them stating release of funds from 24-72 hours and still stated just wait. We have waited multiple weeks and still it is on our account and bluebird has yet chose to respond about our dispute of the XXXX hotel stay that was way out of line of what was promised so this is 2 part complaint. XXXX release our XXXX dollars for the deposit that we were told twice that it was only left to bluebird to do. And 2 the refund the XXXX Because it wasnt close to what we had gotten promised to us. We called millennium hotels and we called XXXX reservations so the call to bluebird is our last line of defense and they dropped the ball to protect its customer.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Bank with American Express recently got my tax returned went to atm to withdrawal money and got a code XXXX means call issuer or police called bank said someone reported card stolen. Told her no got card in hand told them to lock/freeze account so we won't get money stolen. They also said replacement card got sent already asked what addressed some where in XXXX. Said we are from texas and the primary address they have on file doesnt match where card is getting sent. They stated account is on freeze. Later that night they took XXXX and after that they took another XXXX. We been calling everyday because we kept getting emails saying someone trying to get money out. They had us change passwords and they also gave us a conformation # if if they did receive a card they couldnt activate it with out that number. Well we also got a call from a caller acting like them asking for info. Right away we call bank again and said it's a scammer we told them we know just letting them know. They said they will put it down on there notes. Changed password again made sure it was locked as well. Later on today XXXX we get a notification that our account is unlocked and has a card ending in different last 4 digits then what we had. While on the phone with bank we get another email about a low balance while cop is present so he knows it's not us doing it. On this day they took out a total of XXXX dollars out. Our disputes keep getting denied already made police reports. Even the bank worker says yes we are having alot of similar cases like this. All the bank says they are going to send us another card
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I've opened an American Express Checking under a promotion that gave a XXXX MR ( membership rewards ) points for meeting the terms. The XXXX point bonus is taxable and equivalent to {$300.00} usd. The terms of the promotion were met and the bonus was posted to the account on XX/XX/2023. I was given the option on the account to combine the MR points on the checking account with my credit card account. I've contacted Amex customer service through chat to do so. The representative combined the accounts ; however, upon the completion, the XXXX MR points from my checking account had disappeared. The representative assured me that I should see the point balance updated in 24 to 48 hours. I've tried contacting Amex customer service multiple times to resolve this matter as the points still haven't been posted over 1 month later. The technical glitch is due to Amex internal systems, so it's not a problem that I should be dealing with. I have copies of chat logs with Amex representatives that I can provide on request.
Company Response:
State: WA
Zip: 98275
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX we called and spoke with AMEX customer service about the notice of an increase in the annual fee ( from {$450.00} to {$650.00} ). We were unsure if that applied to us since XXXX was the anniversary of when we opened an account, so we called to get clarification as we were deciding whether to keep this same level card. After the agent spoke with a supervisor, we were told that since our account renewed in XXXX of XXXX, we would not be charged the new fee until XX/XX/XXXX. We decided to keep the same level card we had since we would not have an increase this year. We were then charged the new fee. We spoke with customer service on XX/XX/XXXX or XXXX and they opened a case file for us. I followed up on XX/XX/XXXX and was told the case was closed with no explanation given. I asked to speak with a supervisor and as he looked into it, he said that since our renewal was in XXXX, we were charged the wrong amount. He sent the case again to the " back end ''. We followed up and the case was closed with no explanation given. We spoke again with an agent and he also sent the case in to be looked at. Last week I contacted AMEX on XXXX and someone looked into it for us. At one point they came back and admitted the customer service agents gave us the wrong information ( see attached screenshot of XXXX conversation ), but no adjustment would be made. They apologized for the inconvenience. That inconvenience cost us {$200.00}. It's frustrating that customer service can give us the wrong information, but the cost of the mistake would be borne by us. We would have made a different decision had we been given the correct information.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I was sent an email at XXXX about having an existing XXXX XXXX XXXX card. I have ZERO knowledge or have owned one of these cards. this is fraud and not acceptable at all this email was sent at XXXX XXXX from XXXX on XX/XX/2023 i wan na know HOW someone opened a card in my name and HOW you let this happen
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX ( approximately ) i called AMEX to report my card was misplaced and i needed a new card. just a little background i am a senior banker for XXXX, i am an expert on credit usage as well as credit accounts. I informed AMEX that i was going through a rough patch. was in bad car accident on the XXXXXXXX XXXX XXXXXXXX, couldn't work, Rental car was stolen on the XXXXXXXX XXXX XXXXXXXX. so i called to vent to AMEX as well as to fix the issue. i have never had a late payment with AMEX and have always been a valued customer. when my account was closed i called AMEX to understand what was going on, only to find out they had closed my account which caused a bill to be sent to collections and my credit to drop over XXXX points. i pleaded with them and tried to reason with them. i requested they review the call and reinstate my account because it was their error. they refused knowing how i used their services and was a valued customer to reinstate my account. since closing my account ive been denied credit and have fallen low with my credit. AMEX knew that i was a banker and that im quite aware of credit but still refused to acknowledge my frustration. loosing a XXXX $ line of credit has affected me in ways they have no idea. they told me the term close a card means to close the account completely. however, if they would have listened to the call i stressed several times that it was the card not the account
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am an XXXX XXXX service member and I should be receiving 6 % interest rate from American Express under the Servicemembers Civil Relief Act ( SCRA ). I send them my XXXX XXXX military order in XXXX of this year and they still refusing to reduce my interest rate to 6 % although the law says all debt prior to XXXX XXXX. Please look into this matter.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A