|
11371676
|
2025-01-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
11552200
|
2025-01-15
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
Gift card
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
|
|
11090560
|
2024-12-09
|
Other features, terms, or problems
|
Credit card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Sub Issue |
Problem with rewards from credit card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Complaint What Happened |
I applied for, and was approved for an American Express Platinum card in XXXX of 2024. A signup bonus of XXXX points was advertised for meeting the spending limits for this card, which I subsequently met. However, I never received this bonus. When speaking to American Express, they mentioned that their terms and conditions explain that not everyone is eligible to receive the bonus- which I understand. However, they also claim that applicants will be notified prior to submitting their final request for the card if they are not eligible for this bonus for whatever reason. American Express claims that I was shown a notice saying I was ineligible, but I was not. At the very least, there should be some sort of record of this denial that I might be able to review - an email, a notice in my account, etc. Had I known I was ineligible for the bonus, I would have never spent months meeting the spending requirements or paid the {$690.00} annual fee.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10954633
|
2024-11-27
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6767365
|
2023-04-02
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-04-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-02
|
| Complaint What Happened |
On XX/XX/XXXX, I placed the order on XXXX XXXX XXXX website, the order supposedly comes in multiple shipments as it contained multiple pieces of jewelry. But the shipments have encountered delivery issues as there appears to be someone falsely signed the package which I have notified the merchant immediately. The first shipments delivered prior to the shipment of claim XXXX were atomically signature required by the merchant ( it was not an option on the merchants website upon purchase ) and they were less valuable than the shipment of claim XXXX, therefore it is ridiculous how under the circumstances which the merchant is well aware that there is a delivery problem at my address yet did not take any security measure when sending the shipment of claim XXXX. It is common knowledge that it is the merchants sole responsibility to deliver the merchandise to the correct recipient especially when the package contains high-value items, otherwise, any person can walk up to a delivery truck and pretend that the person lives in a certain address and get the package. As of today, I have not received any package from XXXX XXXX XXXX, I have done everything the merchant told me to, file a police report and file for bank dispute, I also have submitted a complaint through the XXXX XXXX XXXX, I really dont see anything I have done wrong here and I dont believe it would be fair for me to take the such a huge loss for jewelry that never reached my possession. Falsely filing a police report is a crime, the official police report should work as proof of I did not receive the merchandise. Firstly, prior to the merchant sending out this package ( value XXXX $ ), the merchant was aware that there is a security risk at my address, the previous package from this merchant have been falsely signed by someone else, and when I was in another state doing a job interview, those previous packages contained less value product yet required signature. However, under such a circumstance, the merchant still sent out such a high-value item without any security measures to ensure the package reach the hand of the correct recipient. I have provided the official police report to prove that I didn't receive the item as falsely submitting a police report is a crime. It is the merchant 's responsibility to ensure the package reaches the hand of the correct recipient therefore I don't believe I am responsible for the loss of the merchandise.
Secondly, the proof of delivery provided by the merchant did not show whom it was received by, why should I be paying for the item when I did not receive the item? It is ridiculous for a luxury merchant to send out high-value items without any security measures, no signature or ID check nor did the carrier attempt to contact me for the delivery. The signature requirement was automatically applied when making a purchase at the merchants website, I did not opt out and why did the merchant have a signature requirement on the less valued items yet did not require a signature on the delivery of shipment that contained higher value? Under the circumstance that the merchant is aware there is a security risk at my address even with previous shipments that required signature, the merchant is supposed to take additional security measures such as an ID check or have me pick it up at one of the couriers locations to ensure that the next package ( the {$10000.00} product ) reaches the correct recipient.
In conclusion, the responsibility for the loss of the merchandise lies with the merchant, they should be the ones at fault for the loss of the item, as they failed to take sufficient security measures to ensure that the package reached the correct recipient, despite being aware of the security risk at my address. The merchant is responsible for ensuring that the package is delivered safely and to the correct recipient. It is unreasonable for me to be held responsible for the loss of the merchandise when there is no evidence to suggest that I received it. In addition, I have provided an official police report to prove that I did not receive the item, and it is not appropriate for the merchant to expect me to pay for something that I did not receive.
I have uploaded all documentation and evidence to Amex but Amex stands with the merchant simply because of a proof of delivery that has no signature or picture showing where the package is left. There is no evidence supporting that the package has been received by me, the package would not have been lost if the merchant has taken reasonable adequate security measures to ensure the package gets delivered safely to the hand of the correct recipient. But my credit card company left me unprotected in this case, it is ridiculous how Amex sided with merchant for proof of delivery when it is a shown delivered but not received case.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6365883
|
2022-12-27
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-27
|
| Complaint What Happened |
I was appointed guardian of my father 's property in XX/XX/2019.
Earlier this year, my father was manipulated by individuals he met on the internet to open credit card accounts with American Express. When I discovered this, I sent letters to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of this year, providing a copy of this court order appointing me guardian of his property, and providing a copy of the court order determining XXXX XXXX limited incapacity.
Under the terms of these court orders, XXXX XXXX is not capable of exercising the following rights : XXXX. To enter into contracts 2. To manage property or to make any gift or disposition of property 3. To sue and defend lawsuits The letters also confirm that, as my father 's guardian, I did not authorize the opening of these credit cards and did not authorize any of the charges on these credit cards.
I have asked that American Express send a written response within seven ( 7 ) business days that includes : 1. A list of all accounts opened in XXXX XXXX name, the charges on each account and the dates of each charge on each account.
2. Confirmation that the outstanding balances on all accounts have been cancelled 3. Confirmation that all accounts have been closed 4. Confirmation that the company has not made any negative reports regarding my father and these accounts to any credit agencies.
5. A list of all usernames and email addresses that have ever been associated with online access to any of the accounts Because I am the guardian of my fathers property, I've also requested that American Express stop sending business correspondence regarding these accounts to XXXX XXXX and send all such future correspondence directly to me.
Most recently American Express has sent a letter dated XX/XX/XXXX to my father notifying him that a balance on an account has been referred to XXXX XXXX for collection. The total outstanding balance listed is {$8000.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5914350
|
2022-08-24
|
Problem when making payments
|
Credit card or prepaid card
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem during payment process
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-24
|
| Complaint What Happened |
I sent two wire transfers to America Express via their wire payment directions on their website. I had attempted to make a large purchase, but given I am a new XXXX card member, they stated I would need to pre-pay to run such a large amount ( {$150000.00} ) if I wanted the points from using my card.
The money has exited my two accounts ( both $ XXXX and $ XXXX transactions posted XX/XX/2022 ) but the payment never posted to my AMEX. Originally, customer service told me the wire would post in XXXX hours. I was then told by a different customer service rep that it would take 7-10 working days. It has now been 22 days, and there is no trace of the money in our AMEX account. We have opened a formal dispute, per AMEX request, with no progress yet.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5577991
|
2022-05-18
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2022-05-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-18
|
| Complaint What Happened |
I am filing a dispute against serve because my card was stolen and fraudulent transactions were made without my permission or knowledge. I was incarcerated when the fraudulent transactions were made. I contacted Serve several times. I filed the dispute with them on XX/XX/2022. I was incarcerated from XX/XX/2022 until XX/XX/2022. I called them on XX/XX/2022 to report the Transactions. The rep told me that they will give me a Privisional Credit by the XXXX business day. The XXXX business day was on XX/XX/2022. I filled out the Fraud Declaration form that they required & Uploaded it to my account. But yet they have still yet provided me with any information regarding my dispute, nor have they provided me with a Privisional Credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10355951
|
2024-10-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4932009
|
2021-11-20
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2021-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-20
|
| Complaint What Happened |
I have a Bluebird by AMEX account I use for my kids. Someone apparently hacked my login, moved all my kids funds to my main account and transferred {$10.00} to a XXXX party. They then tried to drain the account completely. This was all done as a XXXX transfer which Ive never used and have no idea what it is. Luckily, their fraud dept caught the larger transfer and stopped it and alerted me. I changed all login and security info, while on the phone with them, and opened a dispute for the only actual loss of {$10.00}. THEY are the ones who alerted me about the fraud, but have now denied my claim for the {$10.00} twice as it was an authorized transfer. It was not. If their fraud dept would look at at the account, it would be quite obvious. But after XXXX hours in the phone, no resolution or competency has been reached.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3827887
|
2020-09-03
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2020-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-03
|
| Complaint What Happened |
I purchased flight ticket with American Express travel in XXXX. My flights were canceled in XXXX and I was entitled to full refund of {$3400.00}. However, after 5 months I have not been able to get a refund.
Through out the process I called in XXXX, XXXX, XXXX, XXXX and I was told to wait for 30-45 days. However, on XX/XX/XXXX I was still not able to get a refund. The airline company confirmed refunds have been processed. However, American Express travel still told me they were waiting for airline company after five months.
I was also told deceptive information throughout the process. In XXXX, I was first told I was entitled to full refund yet without any confirmation email. In XXXX, I was told some agent did something wrong and I was not entitled to refund. I asked to be escalated to a supervisor and they explained to me the previous agent was wrong and I was entitled to a refund with email confirmations. In XXXX and XXXX I called twice to confirm everything was going well and got email response.
On XX/XX/XXXX, XX/XX/XXXX, I called again since XXXX announced they have given back all refund. I dealt with in total of 1 agent and 3 supervisors who told me completely different things. The first agent first told me someone had taken my refund out of queue ( even with my constant confirmation during the process ). Since it did not make sense, I asked to told to a supervisor. The supervisor on XX/XX/XXXX told me I will be refunded in 5-7 days and an email will be sent. Yet I did not receive confirmation email. Thus, I decided to call on XX/XX/XXXX, the first supervisor send me an email saying it will be refunded in 30-45 days and up to the airline company, which is totally inconsistent with what the other supervisor has said. I called again and the third supervisor told me they are still waiting for airline which was contradicting to the other supervisors.
The time frame they have promised have been long passed. I was also misled with inconsistent information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3627362
|
2020-04-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-28
|
| Complaint What Happened |
I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included.
None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
3285252
|
2019-06-24
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2019-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3504412
|
2020-01-21
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-21
|
| Complaint What Happened |
XXXX with American Express has been repeatedly calling me to collect a debt that I previously told her I could not pay all at once. She is unwilling to set up a payment plan to pay off the debt and has started calling my family, my wife and my work to try and collect this debt.
The number she has been calling me from is : ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3516098
|
2020-01-31
|
Trouble using the card
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem adding money
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2020-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-31
|
| Complaint What Happened |
My account was deleted without any steps for me to take! It just said thats not your password and when I want a password reset request it never showed up in my email.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3616895
|
2020-04-21
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2020-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-21
|
| Complaint What Happened |
I have attempted and exhausted countless efforts to resolve this matter both directly with the hotel ( in XXXX XXXX AND with American Express, the credit card company who processed the {$2600.00} charge on XX/XX/2020. Both are refusing to refund any of the funds. American Express simply says, I am providing insufficient evidence for the refund and places no weight into my primary allegation that the hotel mislead me ( bait and switched ) into a reservation that was no where near what it was advertised. For the record, immediately after making the reservation, online, I contacted the hotel who said they would cancel the reservation ( copy of email if needed ). However, after receiving my American Express statement, I noticed the charge had not been reversed. When I contacted the hotel, they said the reservation was 100 % non-refundable, despite the false advertising!!?? I tired to dispute the charge with American Express, but no success there either.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2798993
|
2018-01-30
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Checking account
|
| Date Received |
2018-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1519262
|
2015-08-14
|
Late fee
|
Credit card
|
|
| Issue |
Late fee
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2015-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-14
|
| Complaint What Happened |
On XXXX XXXX, 2015, I made a {$1000.00} payment on my American Express Card to satisfy the XXXX XXXX due date. On XXXX XXXX, 2015, I made a {$5300.00} payment to satisfy my payment due XXXX XXXX. American Express refuses to apply my latter payment as I intended and has instead charged me a late fee because the payment was received prior to XXXX closing the former business cycle. I understand " billing cycles '' are a necessary function of any financial institution, but I also know that transferring funds from XXXX ledger to the next is n't rocket science. American Express is, in effect, penalizing me because I paid my bill too soon, and this seems akin to theft.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2140420
|
2016-10-01
|
Identity theft / Fraud / Embezzlement
|
Credit card
|
|
| Issue |
Identity theft / Fraud / Embezzlement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2016-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-10-01
|
| Complaint What Happened |
I noticed an account issued by XXXX. It was a XXXX dollar credit card. I have never done business with, applied for, or recieved a card from this bank. I contacted their customer service number. There representatives barely speak english at all. They say i would recieve papers for a dispute this was over a month ago. This is a hard negative to my credit score and all attempts to communicate with them are unsuccessful. I also had a fraud alert on all XXXX bureaus for the last 1 year, being refreshed every 90 days. Credit One did not have a phone number for the account fraudulently opened. I also never spoke with anyone from this bank via phone at anytime, until i called them regarding a fraud account. Such a fraud alert that they should have contacted me before opening and was never done
|
| Consumer Consent Provided |
Consent provided
|
|
|
2057654
|
2016-08-10
|
Other
|
Credit card
|
|
| Issue |
Other
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2016-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-08-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1020970
|
2014-09-09
|
Billing disputes
|
Credit card
|
|
| Issue |
Billing disputes
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2014-09-09
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-09-12
|
| Consumer Consent Provided |
N/A
|
|
|
2646862
|
2017-08-19
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2017-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-21
|
| Complaint What Happened |
Transaction ID : XXXX Comptroller of Currency XXXX XXXX, 2017 Copy of letter to Bank Officers Hello,. XXXX XXXX XXXX XXXX is attempting to release an authorization/hold on customer 's card for a car rental that is paid in full. The hold should not be there as the company was already paid. XXXX wants the inappropriately held funds released.
Details : 1- The car rental was in the name of card holder 's spouse. The amount paid in full via customer 's AMEX SERVE was {$620.00}. The additional amount inappropriately being held is {$490.00}.
2- Card holder contacted AMEX Serve Customer service. Both the customer service person and the manager understood the problem, but stated that even though the authorization/hold should be immediately released, their automated system prevented them from doing so. They provided the release number of # XXXX to XXXX XXXX. XXXX said everything is released on their side, and that the date should be changed on the hold -- to today ( XXXX XXXX, 2017 ).
3- Again, XXXX XXXX indicated that the date of the transaction should be changed and the funds immediately released as they have been paid already. They offered to third party call in to AMEX to resolve the matter this morning. XXXX XXXX offered to fax AMEX Serve a cancellation document, or call Amex Serve directly to release these funds ( {$490.00} ). Again, AMEX customer services simply reiterated their policy.
4- I am writing to you for your help today to release my funds. For a working person, these inappropriately held fund are the difference between paying rent and eating, and literally being hungry.
I tried to get in touch with XXXX XXXX as well.
This is a unique situation where the merchant has already been paid. The merchant is attempting to cancel the authorization. And the merchant is attempting to contact AMEX to resolve the matter this morning.
Thank you for your help. Card Holder.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10341393
|
2024-10-04
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1475047
|
2015-07-20
|
APR or interest rate
|
Credit card
|
|
| Tags |
Older American
|
| Issue |
APR or interest rate
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2015-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-20
|
| Complaint What Happened |
I am writing to request a rebate of the late charges I paid over the XXXX month billing period ended XXXX/XXXX/15 and the 48 % increase in interest charges during this period when my interest rate was increased from 14.24 % to 27.24 %. This caused me to be charged approximately an extra {$1000.00} in interest. The late fee charges were {$110.00}.
I was told by both XXXX XXXX and American Express in many telephone calls to wait until after the XXXX payment plan was approved before requesting abatement of these onerous charges. In a call to American Express on XXXX/XXXX/15, I was told that they no longer handle my account and referred me to XXXX XXXX. In a call to XXXX XXXX, I was told that AE had to handle this request. XXXX internally transferred the call to AE but I got the same previous automated response. I then wrote a letter dated XXXX/XXXX/15 to AE outlining essentially what I am reporting in this complaint and got no response.
I believe I am due abatement consideration fro the following reasons : - It took AE XXXX months to approve my payment plan with XXXX XXXX when all the other cards approved the plan in 5 business days or less- an unreasonable delay and one XXXX said was unusual.
-During the XXXX months XXXX XXXX made payments to AE on my behalf that were actually in excess of the plan AE ultimately approved ( {$580.00} vs. {$650.00} paid ).
-I maintained telephone contact with AE during the process ; informing AE that XXXX month 's payment would be late because of my requirement to prepay XXXX. I could not afford to double pay during this transition period.
- The increase in interest charges is astounding and I would consider userousI believe I should be refunded the excess interest and the late fees.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1641204
|
2015-11-05
|
Identity theft / Fraud / Embezzlement
|
Credit card
|
|
| Issue |
Identity theft / Fraud / Embezzlement
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2015-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-11-05
|
| Complaint What Happened |
Hi, i had an American Express Gold card that I closed ( with XXXX balance on the card ) about 4 years ago. On XXXX XXXX I got an email stating that my account was past due. I immediately called American Express customer service and told them this card has been closed for years and there is no way it can have a balance. That I have not used the card in years and any thing reflecting on it is unauthorized. I was assured my account was " impeccable '' and it must be a spoof email. i was asked to forward that email to their spoofing dept which i did. A week later I recd a letter in the mail stating the same thing ... which was followed by another call from me to the customer service center and i was told that I was not even the primary card holder on this card and there was no balance whatsoever. Then about 2 weeks later i started getting collection calls and was now told that not only I was the primary cardholder, there was a balance of about {$1000.00} on it. How can a closed card have balance??!!!
I then emailed their senior executive leadership member to intervene and resolve this case. I got a couple of emails from the executive admin that they will look into the matter and have updated the credit bureau of the error. My repeated requests of a phone call to understand the situation have been ignored. Its been three months and i still do n't have a resolution to my case nor any acknowledgment from American Express that the case has been closed.
Please help me. I take my credit standing and obligations very seriously and this matter has robbed me of peace of mind. Am i a victim of ID theft? card skimming? what?
|
| Consumer Consent Provided |
Consent provided
|
|
|
198500
|
2012-11-27
|
Transaction issue
|
Credit card
|
|
| Issue |
Transaction issue
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2012-11-27
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2012-11-29
|
| Consumer Consent Provided |
N/A
|
|
|
178089
|
2012-10-25
|
Billing disputes
|
Credit card
|
|
| Issue |
Billing disputes
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2012-10-25
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2012-10-31
|
| Consumer Consent Provided |
N/A
|
|
|
342208
|
2013-03-05
|
Billing disputes
|
Credit card
|
|
| Issue |
Billing disputes
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card
|
| Date Received |
2013-03-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-03-06
|
| Consumer Consent Provided |
N/A
|
|
|
3276966
|
2019-06-17
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2019-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3696634
|
2020-06-12
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-12
|
| Complaint What Happened |
American Express is the only financial company that has not been able to help me figure out a payment plan for the Covid 19 emergency. While XXXX XXXX, for example, was able to freeze payments for 2 months, Amex keeps calling me more than 2-3 times a day every day. I have been able to make small payments and will continue to do so as I have told them over the phone. I already told them not to call me every day and they keep doing it. I was on the phone today with them and they have been hanging up on me every time they transfer me to the financial relief program team. Their behavior is predatory. Not only are they harassing me, but they keep adding late fees.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2774068
|
2018-01-07
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
AMERICAN EXPRESS COMPANY
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Charged for a purchase or transfer you did not make with the card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2018-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-07
|
| Complaint What Happened |
I purchased a {$200.00} American Express gift card from the XXXX at XXXX XXXX XXXX XXXX, XXXX, RI on XX/XX/XXXX. I used the card normally for in person purchases. It remained in my possession in my wallet except when it was being used for purchases. On XX/XX/XXXX, two fraudulent purchases were made over the internet using my card totally {$130.00} ( two charges to XXXX @ {$19.00} and {$120.00} ). I noticed these charges on XX/XX/XXXX when checking the card 's balance on the American Express website. This check of an older card was done because I had fraudulent charges on another card - I went back and checked all of my older cards. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that American Express would investigate and get back to me. It has been a month and I have n't been contacted.
|
| Consumer Consent Provided |
Consent provided
|
|
