Date Received: 2021-03-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/20 XXXX matched me based on the credit file updated XX/XX/20 for XXXX XXXX. I went to the American express website within XXXX minutes of that information from XXXX and check for prequalification for that card and was prequalified through American Express website. I immediately went to apply for the card and during the application process there were several glitchy type issues such as it would not allow me to enter my income information and when I went to process the application it said there was a denial, Which in the denial letter there was a bunch of? s all over the place so it looked almost like a glitch and some of the information at the bottom was not equating to the information on my most recent XXXX credit report that I just looked at XXXX something minutes prior. Then a minute later The website said their systems are currently updating and please check back in XXXX minutes so I really think something was wrong with the application process and I tried to explain to the people at American Express that I dont think the application was processed right I think there was a glitch but theyre refusing to do anything about it and all I want is the hard credit pull removed from my account because it was not appropriately processed and I feel like by them pre-approve and me and then denying me within XXXX minutes its deceptive financial practices and misleading. Please make them as a remedy remove the hard pull because that application was not processed properly in their system.
Company Response:
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Here is what I just faxed Amex. Hello, I will now complain to XXXX because I have every single fax I sent you for at least XXXX months, not only not allowing any recurring payment to XXXX, not authorizing recurring payments to anyone and you Kept on charging me like who cares avout the charges I authorize or not. XXXX XXXX For at least XXXX months Ive asked them to stop.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: They allowed XXXX fraudulent transactions and are actively preventing me from completing my fraudulent claim, so they can keep my money. XXXX XXXXXX/XX/XXXX : called to report fraudulent transactions. I was told that I had to wait until the changes actually posted, and call back. XXXX XXXXXX/XX/XXXX : The transactions posted, but when I called, I couldn't get a live person on the phone. This content for XXXX weeks, where I called multiple times, and still couldn't get a live person, despite waiting more than XXXX minutes on hold for each call. XXXX XXXXXX/XX/XXXX : Finally got through to a live person, who had to transfer me to their Fraud Department. Waited on hold for another XXXX mins for a live person. I was told that they would initiate the fraud claim for the XXXX transactions ( which I received email confirmation that they did this ) and would be emailing me a form that I had to fill out and email back in XXXX days. I never received the form. XXXX XXXXXX/XX/XXXX : called again in the afternoon regarding the form that they failed to email me. I was told that the department that generates the form was closed, and a XXXX message would be sent to the department. I became belligerent, because I only had XXXX days and their failure to send me the form would result in my claim being closed for inaction. Wednesday XX/XX/XXXX : Still have not received any form, and have been on hold for over XXXX minutes.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was booking XXXX Flights on XXXX XXXX and was about to proceed with the payment. There was Credit Card offer from American Express stating if you apply for the card and card got approve, you will receive XXXX XXXX statement credit and along with XXXX bonus miles if you spent XXXX XXXX within XXXX months. I instantly applied for the card by providing the usual information and it got approve as well. I have booked my flight tickets with the same card. Now in the credit card statement, I didnt receive XXXX XXXX credit and neither XXXX bonus miles though I already spent above XXXX XXXXXXXX within a month. While talking to American Express, now I am getting informed that I am not eligible for any of these Bonus offfer without any solid reason. They are saying you must have got a pop up while applying but I dont recall any such pop up. It just got approve ... I am literally XXXX with the company as the only reason I applied since I was getting this offer. No they are denying it to give. pls help.
Company Response:
State: CA
Zip: 95134
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: American Express Travel is playing three-card monty with credits accrued because of COVID-interrupted travel in XXXX. They are denying travel insurance and creating artificial barriers to me redeeming trip credit incurred from cancelation of travel in XXXX. AMEX Travel has taken my money yet provided no service for it. I also feel AMEX membership policies are extortionate because I was told that to maintain these travel credits I had to continue to be a PAYING card member. This is unjust because I no longer wanted to be a member, but was financially obligated now to pay the smaller ( yet sizeable ) annual fee just to have the privilege of using my refunded travel. Their card-members travel portal is a scam, because if I had booked directly through the airline XXXX XXXX XXXX ) I would have received a full-cost universal voucher. In XX/XX/XXXX, I booked return flights for a wedding ( on my card in my name ) for my family from FL to XXXX, XXXX on XXXX XXXX during XX/XX/XXXX. Total cost was {$3100.00}. Because of travel advisories and restrictions issued by XXXX and XXXX ministries we chose to cancel our flights, ostensibly under the trip interruption/cancellation coverage as card members : " If you purchase a round trip entirely with your eligible Card on or after XX/XX/XXXX, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to {$10000.00} per trip and up to {$20000.00} per eligible Card per 12 consecutive month period. '' ( https : //global.americanexpress.com/card-benefits/detail/trip-cancel-interrupt-insurance, XX/XX/XXXX ). I was told by one 'supervisor ' a flight being cancelled because of federal travel restrictions isn't covered. Their best attempt at justification was " this is an unprecedented situation '' to which I replied, " yes, and that's why we buy travel insurance ''. I have tried 3 times over the past year to redeem these credits on XXXX XXXX flights and am told that they can not be redeemed except individually. I have asked to have the total credit, less than a new flight, applied to a trip for just my daughter and wife and they will not. I have attempted to speak with supervisors who place me on hold and seem to just wait me out because I have a business to run and family to spend time with, rather than sit on hold for HOURS at a time. I have also been told that AMEX TRAVEL supervisors don't have the ability to call people back. So I believe this is a tactic from a floundering company to not have to live up to their service agreements. I have also been told by AMEX Concierge that AMEX Travel will NOT give card members the phone number for insurance ... this too sounds like shady business practices
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was paid in full in agreement to delete from my report. American Express instead only deleted payment history and remarked as paid in full. They have broken agreement and violated my rights according to FCRA as a consumer and I am requesting legal action to remove this account immediately.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
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: On XXXX I purchased two Airline tickets and travel insurance with my American Express card. One ticket purchased on website XXXX for {$740.00} ( XXXX ) and Travel insurance recommended by XXXX -Generally for {$55.00} total= {$790.00} Second ticket was purchased from XXXX for the amount of {$130.00} ( XXXX to XXXX ) BOTH COMPANIES AT THAT TIME HAVE ADVERTISING : '' DUE TO COVID-19 FREE CANCELATION, FREE RESCHEDULING " At the time of purchase No restriction on travel to XXXX! On XXXX! XXXX ( Friday ) country of XXXX introduce RESTRICTION on travel for all travelers including US. WITHOUT NEGATIVE COVID-19 TEST NO ENTRY!!! starting XX/XX/XXXX. My Original travel date was XX/XX/XXXX schedule to arrive in XXXX next day XX/XX/XXXX. It was NOT possible to get test done in such short period of time and weekend!!! It was Not possible to board flight going to the Country that require Negative covid test without HAVING ONE! I called JUSTFLY immediately and explain situation i was assured that is going to be ok to reschedule but THEY START PLAYING ME COUPLE OF DAYS AFTER THAT with contradicting emails!!! XXXX XXXX newer return my email!?? Generaly ( Travel Insurance ) DENIED MY CLAIM! American Express DENIED MY DISPUTE!? I contacted ALL above mentioned companies numerous times in XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX submit COUNTRY OF XXXX official website announcement of restriction with dates to prove that IT WAS NOT POSSIBLE FOR ME TO TRAVEL AT THAT TIME but no luck!?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: Documentation support Report XXXX AMEX FRAUD Payment was delayed Phone contact to AMEX stated it was possibly due to snow. Other parties XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX, VA XXXX XXXX, XXXX, NC XXXX XXXX XXXX, XXXX XXXX, VA
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX, while at work I received an email that my utility bill had been declined of payment, I then begin to look into my account, because I know I had the funds needed as I had just received my school refund on XXXX XXXX. When logging into my bank account, I notice my available balance was showing {$30.00} in my account, I then proceeded to look at my transaction history, where there were fraud charges made on my account one made on XX/XX/XXXX at a ATM location for three amounts of {$200.00} and one amount of {$100.00} on XX/XX/XXXX, the thief proceeded to also visit a second location, where they then took two more charges of {$200.00} taken out my account. These are not charges I am aware and did not authorize to be taken out my account. These transactions are all fraud transactions. So on XXXX/XXXX/XXXX when I realized the charges made I then reached out to my bank to cancel the card and get a replacement, and as well open a dispute investigation with my bank. These charges are being investigated by my bank now, and up to 45 days. I have reached out to the locations where the fraud happen on XXXX and XX/XX/XXXX to obtain additional information they could give as I am aware ATM locations does have cameras, however, I have yet to get a response or phone call back. As well as I did reach out to those city police departments and was directed to file the report with my local department.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: American Express Fraud Can not contact institution Identity Theft Cell ported number Bank Fraud Negotiations with Impersonating American Express representatives contact/email/chat Fraud Fraudulent XXXX Charges No dispute adjustments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A