Date Received: 2021-08-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I called american express in XX/XX/2021 to cancel my XXXX XXXX card before the {$95.00} renewal fee was due. The person at amex confirmed it was cancelled and there were no outstanding charges. Yet, in XXXX of 2021, i get a statement for {$95.00}. I call in American express again to say i cancelled my card already, so you need to confirm that and credit my account the {$95.00} as i do not owe it. I get a confirming email that its cancelled and wait for the credit to my account. But the credit is never made and says it is due in XXXX. I call amex again, they refuse to credit my account and say they will contact me with a decision after listening to the XXXX call. I get a call 3 days later and the representative is very hard to reach and leaves a voicemail saying they refuse to give me and answer as to my credit until they speak to me. So i still owe {$95.00} for a card i had cancelled. This is FRAUD, the {$95.00} charge is fraudulent and i need a credit to my account.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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 booked a trip to XXXX XXXX thru XXXX from XXXX XXXX to XXXX XXXX at the Airport we couldn't travel because my XXXX XXXX had XXXX of XXXX, therefor the XXXX XXXX the had to cancel our trip and refunds us the tickets cost. I contact XXXX to get my money for the hotel and they told me I need to contact the hotel. I emailed the hotel and they told me I need to contact XXXX and I contact XXXX and they told me I need to contact the hotel to get my money. I opened dispute case with American Express to get my money, but XXXX still refusing give me a refund. I couldn't travel due to XXXX travel rules and XXXX charging me a full price fo the hotel reservation XXXX travel confirmation number XXXX the dispute amount is {$2000.00}.
Company Response:
State: MA
Zip: 01760
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: XX/XX/2021 went to XXXX to load money on the Amereican Express bluebird prepaid card. It was declined 3 times, Called customer service at Bluebird I needed to verify my address,, My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv. I live in a rural area and we donot recieve mail at our house. all mail and parcels go to the post office, I explaned this three times to customer service, They verified the address. Then said to try and load the card again. XX/XX/2021 when into XXXX again to load money on the card and it was again declined. called customer service again. The first time I was hung up on by the supervisor after I had explaned the same situtation about living in a rural area with no mail delivery.And every peice mail is delivery to the Post Office. the second time I called back after being hung up on I requested that my account be closed and my funds be overnighted to me, I was told that it would take up to 10 business days and that USPS would be used to send my check. My cards hve been suspened and BlueBird is holding MY money as hostage because I live in a rural area with no mail delivery, I want my accounts closed ( I have two ) and my money overnighted immediately. It is my money and I should not have to wait wait while American Express is making money on holding my funds.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I tried to request a credit card through American Express as a natural born living consumer. American Express only had one option as far as a form to fill out to request the credit card. They had an application for a credit card that involved me being forced to click a consent button in order to try to receive a credit card through American Express. The consent button that American Express forces their consumers to click, forces the consumer to give American Express to look at non public information of the consumer. Also pursuant to 15 usc 13, a corporation is not to deny or deprive consumers of like commodities or services. Therefore, American Express is discriminating against me as a consumer. If American Express approves certain consumers due to a decision based from nonpublic information then they should lawfully approve every consumer. Im in fact a consumer, a natural living person, and not a citizen. Im in a sovereign XXXX XXXX XXXX. Not only are my consumer rights being violated but my religious beliefs are as well. My consumer rights and my religious beliefs both state that I am in fact the Original Creditor of any and all consumer credit transactions. The constitution also states in Article 1, Section 10, clause 1, that there is NO LAWFUL money in circulation. There is only credit due to lawful money ( gold ) being confiscated by the US corporation. So American Express is denying me credit thats due to me. If there is no lawful money then i cant pay on a debt. Pursuant to 18 usc 8, all debts are obligations of the United States. I also have 2 recorded phone calls that are too big to be attachments on this site but i do have handy.
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
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 received an email dated XX/XX/2021 informing me that American Express had accepted the Merchants ( XXXX XXXX ) response and would rebill my account for {$5600.00} that I disputed after the XX/XX/2021 delivery of my damaged furniture on the street. Because American Express lauds its Redispute Limitation policy on its website in favor of merchants, I realize that opening this dispute for a second time is my last opportunity to defend my position with American Express and receive a permanent credit to my account. Henceforth, I am also filing complaints with Office of the Louisiana Attorney General, Office of the Attorney General State of California and The Consumer Financial Protection Bureau. Please review American Express role pursuant to the Uniform Commercial Code 2-601 Buyer 's Rights on Improper Delivery, to wit : Shipments of Goods : Once a merchant ships goods, the U.C.C. also provides rules for who bears the loss if the goods are lost or damaged in shipment. If a contract requires a seller to deliver goods to a particular destination, the seller bears the risk of loss until the buyer can take delivery. If the goods are not shipped to a particular destination, the risk of loss passes, instead, when the goods are delivered to the shipping carrier. Once goods have been delivered, the U.C.C. provides that the buyer has a right to inspect them before acceptance. This inspection must be performed in a reasonable time and manner. If the goods fail to conform to the contract, the buyer can reject all of them, accept all of them, or accept some of them and reject the rest. Good are considered conforming when they meet the contracts terms and, if the goods are not as described upon delivery, they may be considered non-conforming. If a buyer rejects the goods, the rejection must be within a reasonable time after their delivery. Upon rejection, the buyer must hold the goods with reasonable care for sufficient time so that the seller can remove them. If the seller does not give instructions on what the buyer should do with the goods after a reasonable time, the buyer may store the goods, reship them to the seller, or resell them. If the buyer resells the goods, the buyer may first reimburse itself for the cost that it paid for the goods and, in some cases, a commission for their sale. Where the buyer has rejected the goods because they didnt conform to the contract, the buyer can also recover from the seller ( in addition to the purchase price ) its cover damages, which are damages for having to obtain substitute goods. Cover damages are the difference between the cost of the goods that the buyer purchased from the seller along with any incidental or consequential damages. Incidental damages are expenses incurred in inspection, receipt, transportation, and care of goods that have been rejected, while consequential damages include damages that arise out of the buyers general or particular requirements for the goods that were known by the seller at the time of sale. Below is a repeated attestation of what I have already told American Express, XXXX XXXX and pictures which were uploaded electronically to American Express Dispute Portal. A. This was a telephone purchase totaling {$11000.00} processed verbally by XXXX XXXX with {$5600.00} being paid on XXXX and {$5600.00} paid on XXXX. B. {$1200.00} of the total charges were for shipping. C. I did not affix my signature on any document for this purchase. D. At no time did MrXXXX XXXX tell me that I bore the financial responsibility of assuming damages. E. At no time did MrXXXX XXXX tell me that bore the financial responsibility of restocking fees for returns. F. Mr. XXXX never provided me any proof of purchase until I asked repeatedly for it and the final {$5600.00} was remitted to him on XX/XX/2021. He sent an email of the invoice to me on XX/XX/2021. XXXX XXXX furniture was delivered on the side of the road and the pallets were visibly damaged with punctures to pallets, torn shrink wrap and ripped open cartons. ( Pictures enclosed ). H. There was no way for me to assess the full damage to the goods until we unwrapped the furniture, open the cartons and removed from pallets. I. The defects and damages were promptly reported in writing to Mr. XXXX, American Express and XXXX XXXX. Since XXXX XXXX will not pick up the furniture as requested in my XX/XX/2021 email to them, I am requesting a permanent credit to my account in the amount of {$6800.00} from American Express. Kind regards, XXXX XXXX ( 20 Year American Express Cardholder )
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have a personal AMEX card and used to have a corporate AMEX card that has been closed for years. For several weeks I erroneously made payments to the closed corporate card accounts. The sum of the payments was greater than {$4500.00}. I discovered the error when I saw the balance on my personal account not at {$0.00} and collected a history of my recent payments prior to calling AMEX about the issue. I pay the balance on my personal AMEX in full each billing period. When I called AMEX requesting to have the payments to my closed corporate account transferred to my personal account, I was told the transfer would take 5-7 business days. On the 8th day, I called AMEX because the transfer had not been made. They informed me that the process had not even started and that it would take another 3-4 days. I declined the offer and asked to have a wire transfer refund. AMEX collected my account and routing information and said that the refund would take 3-4 days. I waited two business days and called AMEX to see if the refund was in process. AMEX told me that the process had not started and that I would have my refund no later than 8 more days on XX/XX/XXXX. Today is XX/XX/XXXX and I still don't have my refund. I have no faith that AMEX is trying to refund my money.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft AMEX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XX/XX/2021 my husband and I received promotional offers to upgrade our AMEX. This was emailed. We followed the link and I upgraded to Gold and was supposed to receive a large sum of XXXX points if we spent $ XXXX in 90 days. Our statements show we made a clear effort to use the Amex for our spending and we reached the agreed upon amount very quickly. We noticed the points didn't arrive after the statement ran. We have called several times and we get the runaround with no real knowledge or seemingly a department to handle these issues. Ultimately today after cases were opened with no return calls as promised a supervisor informed us that because we didn't keep the email we can't prove that we accepted an offer and they refuse to provide the points. Unfortunately this was a quid pro quo agreement with American Express and we did out part. They are putting it on US to prove when THEY had THEIR promotion. We did not keep that type of an email as this does not seem that it would need to be an issue that would require proof from their promotions. They are able to confirm the timing of their own promotions, see when we upgraded and see what we spent. This is a clear refusal after receiving their portion of the agreed procedures to not provide their part of the agreement.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. American Express, XXXX XXXX XXXX, XXXX XXXX.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A