Date Received: 2023-11-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: on XX/XX/XXXX i received an American Express XXXX XXXX in the amount of {$2000.00} from my employer. Upon trying to use the card it was being declined. I called the number on the back of the card ( XXXX ) XXXX and was transferred to customer service. The representative asked for all of the card details and advised the card would become active within XXXX hours. Immediately after hanging up the phone, there was an unauthorized charge of {$1100.00} on the card to XXXX XXXX. i called the number back and spoke with XXXX XXXX who took down my info and opened a claim, he also locked the card. American express wont offer any solutions. XXXX. Called ( XXXX ) XXXX. It has you put in your card number and code, then says to call ( XXXX ) XXXX. XXXX. Called ( XXXX ) XXXX ( Found online ). They have you put in your card number and code, then they say it's not authorized and transfer you to someone who says they don't handle American Express. I asked who they do handle, and she wouldn't reply and some guy was behind her with a script thatI needed to call ( XXXX ) XXXX. She asked for the card number which I refused since I already input it. I told her that she already has that, which she denied. She wouldnot tell me who they handle and what their affiliation with American Express was. I hung up. XXXX. Called ( XXXX ) XXXX - spoke w/ XXXX XXXX XXXX They've locked the card and put a hold on the pending transaction. The trnansaction has not cleared yet. - CLAIM # XXXX XX/XX/XXXX filed a complaint with XXXX Complaint ID : XXXX XX/XX/XXXX filed a complaint with FTC Report Number XXXX XX/XX/XXXX called XXXX spoke to representative ( didnt get name ) who said the case is being investigated and will be resolved in XXXX days. I asked to speak to a supervisor and they said no they could not transfer me and i asked why and they repeated that they could not, so i asked why again and they said they were transferring and put me on hold over XXXX hour. Called back and spoke with XXXX who confirmed the same details of XXXX days. i asked to be transferred to a supervisor, put on hold over XXXX hour
Company Response:
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I received an email from a service, XXXX XXXX XXXX, associated with AMEX. I have a credit card with AMEX and apparently AMEX does business with this " XXXX XXXX XXXX. '' My XXXX XXXX sent me an email " alert '' stating that my " Address associated with my social security number has been changed. '' I was not aware of this service XXXX XXXX XXXX until I received the email, which had AMEX 's logo all over it. There was a phone number in the email and a hotlink to click to " Log In. '' I know better than to click on a hotlink in an email so I called AMEX fraud and she told me the notice came from XXXX XXXX XXXX who is the agency AMEX does their credit protection and reporting services through. She verified the phone number to call XXXX XXXX XXXX which was the same number in the email I received. That is the number I called today and I spoke with " XXXX. '' She said my social security address was " associated with an address In XXXX VA. Have you been to or lived there? '' I said I had visited there but what did she mean associated with my social security number? '' She could only repeat " associated with. '' Once I realized this whole thing was a marketing ploy using scare tactics about an address change that didn't actually happen I asked to speak to a Supervisor. She, of course, stated that no supervisor was available. This type of scare tactic marketing should, in my estimation, be illegal and a finable offense. I hope the FTC follows up with AMEX and XXXX XXXX XXXX. The number is XXXX for AMEX " Credit Bureau Unit '' which connects you to XXXX XXXX XXXX or XXXX which is the number that was in the email I received which also connects to same line and prompts at XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have contacted American Express customer service XXXX separate times to inquire about when I will receive my welcome offer of {$300.00} credit and {$30000.00} mileage points associated with Offer Number XXXX, since I made the qualifying purchase of over {$1000.00} on XX/XX/2023. The last time I spoke with American Express on XX/XX/2023, the customer representative opened a case { reference number XXXX ) since he could not identify why I had not received my promotions.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX received a call from AmericanExpress, it was during a meeting but next day I missed another call. on XXXX I called AmericanExpress, after 20 minutes I learned that a previous issue where I had accidentally paid closed corporate Amex account rather than personal account which I thought had resolved had created a new problem - and now I had a debit on my closed corporate account. I was told to reach out to my expense department. They confirmed they had not received any funds from the Amex " overpayment. '' I continued to receive daily calls from Amex asking when I was going to pay my balance ( which was now overdue as I had not received a notification of the issue until the balance was past due ). Each time I speak with them I have to retell the whole story as apparently they never check the notes ( or no notes are taken, as they tell me they are recording the details ). On XXXX, I reached a " XXXX '' and he said that he had figured out the issue and that it would take about a week for the transaction to take place and the issue to be resolved. When I received the daily collections call they had not knowledge that the issue was a Amex error ( when I had made the erroneous payment in XXXX, they transferred funds to my personal account twice ). I continue to call, and am promised that they will fix the issue, and that the late payment fee will be removed. My last call to Amex was on XXXX, where I was told it would just be another day. The collections caller tells me then that I should just pay the balance, but then there will be a credit on my account, and that will be yet another issue. Today I received yet another call from them, so the issue has not yet been fixed. Tomorrow is the day in which I will be charged yet another late fee ( last week I inquired about this and was told by the customer service agent that it was ok and that all late charges will be rescinded ). I want this problem gone. It has been almost a month since I learned about it, and every time I am on the phone with someone we have to repeat the whole story and it is a 20-30 minute phone call. While I admit that what started the whole issue was an error on my part, in XXXX, this last issue was an Amex error.
Company Response:
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The company : American Express Subject : Formal Complaint Regarding Change of Due Date I am writing to formally address an ongoing issue with my Business Delta Skymiles credit card. Despite multiple requests and agreements, the company has failed to implement the requested change of due date on numerous occasions, resulting in the incurrence of multiple late fees. While the company initially credited two late fees as a remedy, the problem persisted. On the third attempt to modify the due date, the company once again failed to make the necessary adjustment. Consequently, another late fee was debited from my account. Despite providing evidence of a recorded phone conversation where the change of due date was confirmed three billing cycles prior to the occurrence of this late fee, the company has refused to acknowledge any wrongdoing. Furthermore, they have declined to reverse the most recent late fee. This situation is both frustrating and financially burdensome, and I am seeking resolution for the undue late fees incurred due to the company 's failure to adhere to the agreed-upon changes. I kindly request a thorough investigation into this matter and a prompt resolution. Thank you for your attention to this matter.
Company Response:
State: OH
Zip: 43082
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023 I called American Express in order to change my mix of credit cards. I have a Gold card and a Blue Cash Preferred Card. I'd like to have both a Gold Card and a Platinum Card. I was told that it is impossible to change a Blue Cash Preferred account to a Platinum since they have different reward systems ( cash back v. reward pts ) ; however, the offer on my Blue Cash Preferred account distinctly reads to upgrade to a Platinum Card for XXXX XXXX. That is a separate offer from the XXXX XXXX offer to upgrade my Gold Card to a Platinum Card. I believe that this is misleading and fraudulent advertising. I have a screenshot showing the offer on my Blue Cash Rewards account.
Company Response:
State: NY
Zip: 10598
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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 made a payment to a charity through XXXX using my Amex for {$41000.00} Amex said I violated the terms since a family member worked at the charity. Since I agreed that I had unknowingly and unintentionally violated the terms of AMEX, I asked that AMEX reverse the charge back to XXXX so that I could pay the charity with XXXX using my checking account. XXXX had already paid the charity so after the AMEX reversed the charge back to XXXX I had a negative balance on my XXXX account of {$41000.00} XXXX sent my account to collections and I paid the balance of {$41000.00}. ( {$15.00} was added due to the returned fee ) AMEX never credited my account. I have filed several cases and disputes and despite documents I have shown AMEX that show I paid the balance via XXXX, AMEX continues to refuse to credit my account, stating the charge is valid. By not crediting my AMEX account by {$41000.00}, AMEX is asking me to pay a charge twice.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Amex savings account was debited numerous times My phone was stolen i have not had access to my login in years. Up until today my address was never updated Amex has a zero fraud policy I asked about the account number and the guy who was doing his job informed me there are over 500 XXXX XXXX in the system At one point he couldnt even see the second account which is the first account that was closed years ago. I just want my life back my account was debited numerous times XXXX dollars for at 5 or six months without my knowledge or permission For a suspected fraudulent loan open without my permission Its almost like the person put it on automatic payments I have a police report indicating that the loan was fraudulent and my account was used without my permission to make payments I have a police report and ftc report uploaded to XXXX I spoke to a XXXX today for about a hour to resolve this matter The attachments are police reports of the fraudulent loan and police reports of cyber attacks and my state of lousiana declaring state of emergency since 2019 to present because of motor vehicle records which house drivers license and indentifications and tax information along with social security numbers and hospitals along with other government agencies being hacked
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This is a business loan. I was told to make a payment of {$720.00} which will bring the account back to current otherwise itll be reported to my personal credit. I made the payment and they still reported it on XXXX. Why did they collect the money when they knew theyll report it. Kindly ask them to listen to the recorded conversation as regards it.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This is a business loan. I was told to make a payment of {$720.00} which will bring the account back to current otherwise itll be reported to my personal credit. I made the payment and they still reported it on XXXX. Why did they collect the money when they knew theyll report it. Kindly ask them to listen to the recorded conversation as regards it.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A