Date Received: 2021-03-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I've had a XXXX card for many years and have never had any problems with them until this year after I had my stimulus payment put on my card with direct deposit. By XXXX my balance was {$640.00} that I needed for XXXX rent. For whatever reason I opened my XXXX app and saw my balance was {$0.00} and 2 transactions I did not make that took all of my money. Of course I called right away and went through the process of filing a fraud dispute. On the evening of XX/XX/XXXX I checked my email and saw that I received a email on XX/XX/XXXX and was very happy to read that my card was credited the amount of the charges. XX/XX/XXXX I went to XXXX to buy food and was going to withdraw the rest of my money to get a money order for rent but my card was declined when I tried to pay for the food. I called XXXX and was told my card was locked. I asked the reason and was told for having XXXX balance for more than 30 days. When I told her that was not correct suddenly she started saying she could not hear me that it was too noisy but she had no problem hearing until that point. I hung up and called back and this time a guy told me my card was locked for having a negative balance. Two different false reasons in a matter of a few minutes? I told him it's a prepaid debit card so I can't have a negative balance and never have. He agreed put me on hold and came back and said he spoke to the dept. that's reviewing my account and my card will be unlocked in two days. Three days later I called back because my card was still locked this time I spoke to ' XXXX who seemed to really want to help me. He said the same my card was locked because of a negative balance. I told him that was not true as its a prepaid debit card, he went through my account and all my transactions and agreed I never had a negative balance. He then put me on hold a very long time then told me he spoke to THE PERSON reviewing my account and told them how he went through my transactions and told me my card would be unlocked in two days. The next day I got a email saying my account was suspended for good. HOW DO I GET MY MONEY??? There was a different number to call and when I did the guy was rude as if I bothered him and told me he could not get to my account cuz its gone. He did not give me a reason why it was suspended and could not tell me how to get my money. He actually told me there's no way I can. I called the other number I had been calling and after yelling and asking why they were doing this and to speak to a supervisor she, XXXX told me they will mail a check. No check has come and now I'm put on hold as soon as I tell them my name. How is this allowed to happen? I've read many many reviews and XXXX is doing this to very many people. This is a crime and I know that when they sent the email they credited my account my card was already locked and they planned it so I would not get my money. I'm going to be evicted PLEASE PLEASE help me. They stole on money just as sure as if they robbed me to do it.
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I haven't been able to access my American Express Bluebird account online for the past 3 days. On XX/XX/21, I loaded {$1900.00} cash to my Bluebird card at my local XXXX. I went home and attempted to access my account in order to transfer money to my set aside account and pay some bills. I can't sign in to do anything. I called the number on the back of my card and, after holding for a very long time, got a foreign sounding customer service agent who was unable to help me. I am not the only person having no luck accessing their funds.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed a complaint against American Express due to their attempt to collect a debt not owed by me. When I called and advised the client service representative I expressly asked if what they were showing as a late payment ( which was 100 % erroneous ) was going to show on my credit report. The rep advised it was not going to appear on my credit report. Their representative in my last call advised the same. This constituted a bilateral agreement they have broken. I checked my account today and find that they did, in fact, report this as a late payment on my credit report. This is totally false. The bottom line is that this company accepted a payment as payment in full and then charged a service and interest fee even though they told me it was cleared. They advised, unsurprisingly, that they could not document my call in XXXX when this account was initially closed and paid in full. The actions cause me blatant damage to my credit and it was only after filing my complaint, it appeared. This shows that American Express acted punitively to my complaint in a willing and wanton manner with malice and forethought. Original Complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
Company Response:
State: OH
Zip: 44857
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My American Express Bluebird card has not worked for more than 5 days now and when I call Amex and tell them, they act like there is nothing wrong! Their website has not been working for the same amount of time, no one can use their card for anything and hundreds of people are complaining about the same problems but Amex continues to tell all of us that nothing is wrong when it is VERY obvious that they are having some kind of a system failure right now and Amex just does not want to own up to it!
Company Response:
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Okay I got issued a American express serve card last year well about 6 months ago someone stole it out my purse. I called American Express and ordered a replacement card okay being I forgot my username and password and I didn't have my card 15 digits to retrieve it I couldnt update my mailing Info to change my address.so they mailed it to my old address I havent seen it yet.i called them and changed my address and still havent received my card I have XXXX on it from my stimulus check. I would really like to get my card.
Company Response:
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I my auto pay had a problem and did not make the payment. I tried to contact but I could not get in contact with someone to help me. One I did it went to collections and no one wanted to work with me.
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Subject : Discrimination by America Express, refusing to remove more than XXXX XXXX XXXX adverse account information Dear Sir or Madam, Date : XX/XX/XXXX. Thank you for writing to me in response to my letter dated XX/XX/XXXX, stating that I should submit a complaint online. Here are some lines for your consideration and needful action. In XXXX, XXXX, I applied for an American Express Card and was denied. Ameican Express wrote a letter stating that because I was listed as an old unpaid account, they denied the credit card. Currently, I have excellent credit with a FICO score of more than XXXX and have open credit accounts with major banks and financial institutions, On XX/XX/XXXX, I called and spoke with a Manager at American Express and explained to him that about 24 years ago, in XXXX, we had a business that went under because of recession, unemployment and severe economic climate. We lost our business and as a result, many credit cards including American Express were unpaid. Manager told me to write a letter to them for consideration that I did. ( Copy enclosed ). Unfortunately, American Express wrote a letter dated XX/XX/XXXX, declining my request to reconsider. Therefore, please take necessary steps so that Ameican Express does not discriminate consumers like me for an old debt more than 20 years ago while other creditors have extended credit. If you have any Questions or suggestions, please feel free to contact me. Thanking you, Yours Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a call on XXXX XX/XX/2021 at XXXX PST from the number : XXXX and I said Hello. There was a long pause and a woman named, XXXX ( sp? ) started speaking and said my American Express Account was noted as possibly being interested in a business gold card and asked about the nature of my business. She knew I had an AMEX card already and that I possibly had a small business but didn't know the nature of my employer. I felt uncomfortable about the call and therefore called the American Express Customer Service line to be sure the call came from them. They said they would never solicit over the phone and that number is not an American Express associated phone number. I called back the questionable phone number and got a voicemail saying it was " XXXX from American Express. '' I hung up and did not leave a voicemail.
Company Response:
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Filed complaint XX/XX/2021 lettter addressed as follows as prescribed by American Express dba AMEX : American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : Failure to Perform Claim Notice : XXXX XXXX Preferred Card ending in XXXX Rewards We activated our XXXX cards, names XXXX and XXXX XXXX, in early XX/XX/2021. Weeks later we received Detail of Changes to Your Cardmember Agreement including 'Sending a Claim Notice ' pg. 6 of 11. We have made timely monthly payments for grocery purchases to AMEX but no Rewards have been applied. Monthly average over {$1000.00} a month. Still no response from AMEX. Monthly payments to AMEX since XX/XX/2021 nor response per their requirement to " complain '' filed nearly 2 months ago, i.e., since XX/XX/XXXX. We are now requesting assistance from the CFPB in XXXX DC.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A