Date Received: 2021-03-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Responded XX/XX/XXXX, to American Express XXXX XXXX XXXX card offer that came in the mail, with offer of Welcome Bonus of {$220.00} cash back : " Earn {$220.00} back after you spend {$1000.00} in purchases on your new Card in your first three months ''. We met that requirement, but only {$150.00} " Welcome XXXX XXXX Back '' was posted to our account on XX/XX/XXXX. I filed the application for this offer online at amex.us/bcersvp, which was XXXX option for applying. The first question asked online is for the 14-character RSVP code, which I entered ( XXXX ). The application went through and we received our credit card. Shortly thereafter, a letter from American Express shows up in the mail saying " we are unable to approve your application '' ... " we have approved an application for the same type of Card within the last few months '' - THIS IS NOT TRUE. We did not submit multiple applications. A call to American Express on XX/XX/XXXX, said " disgregard this letter ''. Really? sounds like a bug in their system. Subsequent phone calls with American Express XXXX XXXX, XX/XX/XXXX XXXX twice, once with a supervisor XXXX XXXX got me nowhere. The call on XX/XX/XXXX resulted in another letter from American Express " The offer terms stated that the cash back would be provided in the form of statement credits, when in fact, the offer is being fulfilled in Reward Dollars '' - related to XXXX purchases. NOTE : I never would have applied for this card with an offer related to XXXX purchases. ( sounds like a classic Bait and Switch ). All of my calls to American Express said there was a different RSVP code attached to my application. I HAD NO OTHER 14-digit RSVP code, and couldn't have made it up because it wouldn't have gotten past the first screen on the online application where I had to enter this code. Strangely, no one on my calls to American Express could tell me the details of the offer for the RSVP code I did submit. So where does this stand - American Express refuses to meet the conditions of their offer - they still owe me {$75.00} to meet the {$220.00} cash back offer promised.
Company Response:
State: WA
Zip: 98607
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Hi Second request more information. Most of the information is below attached. I wanted to tell you exactly what happened to cause this issue. We lived in XXXX from XXXX to XXXX full time. We moved back to XXXX. to be close to our Kids and Grandkids.. Rented a home in XXXX XXXX XXXX XXXX had a contract for 3 mos. XX/XX/XXXX we sold our house in XXXX on XXXX we stored a full POD which is in XXXX XXXX, XXXX for a year now.We came back to the XXXX rental and when that ended we rented a home for 8 mos. in XXXX XXXX XXXX XXXX and had a contract. We were building a home in XXXX XXXX XXXX XXXX XXXX we contracted with XXXX XXXX late XX/XX/XXXX. As we were starting to build we had an accident in XXXX with a built on grill explosion in the rental which was 3 yrs old.and my wife had severe XXXX and XXXX XXXX XXXX on her XXXX XXXX XXXX XXXX and need care for six mos during COVID I had XXXX XXXX on my XXXX XXXX.we were In the home daily with home care and Drs etc for a very long time. Im totally XXXX and thad take care of her. Im telling you some of our story to explain what happened to us. In XXXX and XXXX we were up north with our children to help care for my wife it was the second trip we did and the rental agreement ended. We decided again to come back to XXXX and look for a home so we again needed a rental all our personal items were in my car from top to bottom. When I booked this property in XXXX thru XXXX at XXXX XXXX XXXX XXXX for 3 mos see attached we were going to buy a property our realtor had been looking while we we gone. I wrote XXXX attached XXXX that I needed contract and all registration forms to fill out so we would be approved by the XXXX XXXX. In XXXX XXXX if they Approved us during COVID and my XXXX with my health and immune system. I left XXXX XXXX from my sons and still no contract I started to believe we were taken and fraud us involved. I contacted American Express XXXX to dispute this transaction attached and explained everything to them since it wasnt paid yet. I only had 6 days until rental began and received nothing from XXXX on the rental. They just took over {$18000.00} dollars like it was nothing then I knew it must of been fraudulently taken by them or the owner. Since that time in XXXX we had to stay in hotels until my real estate agent got us a rental to use. I need that money for our purchase of a home in XXXX. This has hurt our credit history we were at over XXXX now XXXX. We are in the process of getting a mortgage now. Americam express on XXXX sent a letter that they credited my account for full amount so I thought it was finally over then on my XXXX XXXX they charged me again. No notifications sent to me at all, after all the calls. They wanted me to upload my dispute docs. But I didnt have anything to send them because I never received any. I have been with them since XXXX and had a perfect record with them. What ever help you could provide us would be greatly appreciate. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX, and American Express have a Business card under my name that I have never applied for. These cards have been opened since XXXX of 2020 as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business XXXX card balance is around $ XXXX {$26000.00} while the American Express is owed around $ XXXX {$5000.00}. These cards have been and are continually affecting my credit score with absurd outstanding balances. I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which it was the business XXXX account. I also filed a FTC report stating both accounts, and still cant get anywhere. I have continually pursued XXXX bank, and American Express to remove these accounts from my credit reports. These accounts do not belong to me and as stated before, I did not open these accounts and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended so that I can move forward with my life.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I enrolled HOME CHEF rewards at AMEX Platinum. The offer is spends XXXX dollar at homechef for get XXXX $ credits back, it can get up to three times. I spend {$160.00} in total from XXXX 2021 to XXXX 2021. I also received the email from AMEX on successful redeemed the offer. However, I still do not received anything till XXXX. Usually, the amex rewards is very fast and only take 1 day. I did call the AMEX agent around XXXX month end, but the agent only confirm the offer and can not provide an exact date due to the technology issues. I chat with AMEX on XXXX again, the first agent confirmed the offer but also mentioned a tech mistake related to rewards. He suggest me check back in XXXX business day and mentioned that he can not issue the credits although he confirmed the rewards. He escalate the issue to the supervisor XXXX. The second person XXXX is very rude and slow. He start to questioned about the qualifications of the rewards, he is concerning whether I am qualify for the offer. He copy the terms ago and said I only spend XXXX $ each time. However, I received the email from AMEX for the rewards and the agent I spoke with both confirmed the eligibility of the rewards. The supervisor seems not knowledgeable enough to qualify as a supervisor. He also does not willing to issue the credit to me today although the offer is already passed for 1 month. I am confused and feel very unhappy about the supervisor 's behavior and client management responsibility. He does not have enough business knowledge about the credit card rewards term also try to make excuse to the clients and even misleading the clients. I already marked two reminders in my calendar to reminds reach out to AMEX. Both two agents suggest me contact back AMEX in 3-5 days instead of provide credits immediately. It create tons of work and inconvenience to the clients. I have to remind myself for the unpaid credits rewards from AMEX. I am requesting AMEX to issue the credit back to me ASAP and make apologize for the inconvenience as well as the very rude, and unprofessional behavior for the " supervisor ''.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/202, all of a sudden without any notification and commnucation, Amex closed 9 of my accounts and took away all my Membership Rewards points that worth over {$3000.00}. I was informed that a few past interactions was not very professional with customer support representatives. Right after I notched 9 of my accounts were closed my Amex yesterday, I immediately follow up the procedure to communicate and get help from the corporate office. I was decently polite and professional with an executive member over the phone to talk through the situation of the frustration I had with customer support representatives in the past. I truly want Amex to take a second look at the situation again and give each other a second chance moving forward. After talking to the an executive member, she told me she couldn't help to reopen my accounts. I tried talking to Amex Financial Review department to see if I could any help from them. However, I was by a Financial Review representative that she doesn't have the authority to do anything, besides documenting what we have talked in the conversation, which she did agree that I am a very respectful and fair customer. She suggested to keep calling the executive team again and have them take a look at her notes and listen to the recored phone conversation with her to have a second chance to reopen my account.
Company Response:
State: WI
Zip: 53705
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX XXXX had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX Husband had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XX/XX/XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Over three months ago, I contacted American Express about an incorrect payment I applied to one of my two Amex accounts : the {$500.00} needed to be transferred from account ending XXXX to account ending in XXXX. After that phone call, I have never since been able to access a monthly statement for either of my two Amex accounts. I have spoken five times and spent over ten hours on the phone between customer service and technical support, the last was with technical support three weeks ago who stated they would have my online access restored within one week ( two weeks ago ). Today, XXXX XXXX, I attempted to get online access, the only way Amex allows me my account information, was again disallowed. I again spoke with an Amex customer service rep and also wrote an email to XXXX. Amex is breaking the law because there is no way I can see my account statements for the past four months now and I have no way of know what happened to that {$500.00}.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Amex customer service was very unhelpful on XX/XX/XXXX and today XXXX XXXX, I tried to restored my credit limit that was decreased from XXXX to XXXX due to a " credit review '', I called to see if the notes they made in janurary were in good standing but no they said it end XX/XX/XXXX and there was no possible way for them to override it, when we all know that's XXXX, they wanted mutlipe of other docs but I shouldn't have to do that when I been with them for over 5 yrs
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
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: HI, Attached is a file I sent to the better business bureau. All information is included in download. IF YOU NEED MORE SEND ME AN EMAIL. Also Filed with Attorney General office, they advise to notify you as well. My Name : XXXX XXXX. XXXX XXXX Thank You, XXXX XXXX
Company Response:
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A