AMERICAN EXPRESS COMPANY

2018-07-30

Plymouth, FL

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Complaint: I am an Amex card holder for over 10 years. I had 3 cards that ended in account numbers XXXX, XXXX, and XXXX. I live at XXXX XXXX XXXX XXXX XXXX FL XXXX which is a FEMA Federal Disaster area after Hurricane Irma. Amex cancelled these cards around XX/XX/XXXX in the financial crisis. While others defaulted on their debts I dutifully made payments on my accounts for over 10 years. In XX/XX/XXXX I collectively owed just over {$10000.00} on these 3 accounts. I made payments online to pay these accounts in full at that time. I believed that I had paid all 3 accounts in full. Unfortunately, there was interest charged on account XXXX that I was not aware of that left a balance of about {$27.00}. What happened next is infuriating and I am asking that American Express resolve this. 1 ) - I assumed my accounts had been paid in full. 2 of the 3 were. Account XXXX was not. I paid {$5200.00} on XX/XX/XXXX to attempt to pay this account in full. 2 ) - Amex does not offer the ability to pay more than the balance owed. I would have paid the interest outstanding which was {$27.00} but that option was not allowed 3 ) - I assumed my account was paid in full and cancelled my recurring payments given my pay-off of {$5200.00} on XX/XX/XXXX. 4 ) - On XX/XX/XXXX I received a credit monitoring alert that an account was past due. I researched this alert and realized it was from American Express account XXXX 5 ) - On XX/XX/XXXX I realized that a {$27.00} balance was left on this account when I paid it off. American Express then charged me late fees in XX/XX/XXXX and XX/XX/XXXX. {$38.00} each month for {$76.00} in total. I received no phone calls from American Express that my account was past due in this 60+ day time period. 6 ) - On the note above - any time I previously was a few days late on a payment American Express immediately called me every day to let me know I was late. In this case when I attempted to pay off the account I received no calls from American Express. They apparently would have just charged me {$38.00} a month late fees for perpetuity and gladly taken my money. 7 ) - On XX/XX/XXXX I contacted American Express customer support and they were worthless with no ability to help 8 ) - On XX/XX/XXXX I went ahead and paid my account in full ( again ) for about {$93.00} which was the {$27.00} in interest that I owed plus the {$76.00} that American Express charged me in late fees. I am asking for fairness. I paid the account in full on XX/XX/XXXX. They can see it in my records. I paid my account on time dutifully for over 10 years. My credit report should not be negatively marked because of my mistake which was compounded by American Express not calling me or notifying me that a balance was owed and my account was now late. I would argue vehemently that American Express had set a precedent that if my account was late I would be called daily. I have no idea why I was not called or notified in this situation. Please correct the credit report to show my account is paid in full and never late. Thank you
Company Response: Closed with monetary relief

Timely Response

2018-07-30

AZ

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company forcing arbitration
Complaint: AmEx Breach of Contract XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XX/XX/2018 CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX, IA XXXX Dear Sirs : This complaint is about Breach of Contract by the credit card company, American Express. This company has in fact caused me great damages and the erosion of my credit with other creditors and institutions, due to their failure in Specific Performance and the imposition of Contract Modification that was never agreed upon ; quite the contrary, they are violating what was agreed upon. This has brought upon me a series of problems that are not only a part of the breach in our agreement but also in direct violation to many of the Articles in Regulation Z. Among them is the failure to provide the Change-In-Term Notice : Change-in-Terms Notice ( 12 CFR 1026.9 ( c ) ( 2 ) ( iv ) ) If a creditor makes a significant change in account terms that requires a 45-day advance notice, the notice must contain the following information : A summary of the changes made to terms required to be disclosed by 12 CFR 1026.6 ( b ) ( 1 ) and ( b ) ( 2 ) or 12 CFR 1026.6 ( b ) ( 4 ), a description of any increase in the required minimum periodic payment, and a description of any security interest being acquired by the creditor ( 12 CFR 1026.9 ( c ) ( 2 ) ( iv ) ( A ) ( 1 ) ). In this case, they informed me three days after the fact. We had a running agreement for throughout the month of XX/XX/XXXX yet they cancelled it and changed everything on the XX/XX/XXXX. I will not argue that an increase on the credit limit was requested by me ; quite the opposite, they, AmEx, informed me that I had an ample amount to cover my requested authorization to spend {$5500.00} during the month of XX/XX/XXXX and that after XX/XX/XXXX, I could pay over time because I already counted with that feature in my current account. Additionally, they informed me that I could spend up to {$10000.00} during the month of XX/XX/XXXX and begin payments in XX/XX/XXXXthat is, after the month of XX/XX/XXXX. So, I would say that this feature was in order but it was not used : 226.51 : Ability to Pay The CARD Act prohibits card issuers from opening a credit card account or increasing the credit limit of an existing account without considering the consumer 's ability to make the required payments. Section 226.51 requires issuers to consider repayment ability for the required minimum periodic payments under the terms of the account based on the consumer 's income or assets and current obligations. In essence and to summarize, this complaint is about an agreement with American Express and the fact that they authorized my petitions, on reiterated and recorded telephone conversations. I emphasized that I needed to be totally assured because only then would I make commitments with a travel agency, buy a tour package to XXXX and XXXX and pay for my bills during the month of XX/XX/XXXX, when I would not be working because schools are closed then. To this they replied that I would have absolutely no problems and that I was assured and allowed me to make commitments with others parties in order to execute my plans with an approved amount of {$10000.00} and that I was already authorized to pay over time after XX/XX/XXXX. I again reiterated that I had a prepared budget and that I would not need {$10000.00}, only {$5500.00}. They again answered that this was fine, not to worry and that everything was approved under those terms. I do not have the dates for these conversation, they were five at least. The first time I spoke with a representative named XXXX, he gave me his employee ID number as : XXXX. The last person with whom I had a conversation was XXXX # XXXX, someone else called me after that but it was only to dictate and threaten and to undo what agreement I had reached with XXXX, which was very despotic and did not correct the Modifications which they had imposed after the fact and thus annulling the authorization which they had reiterated on at least four occasions. TIMELINE AFTER AUTHORIZATION : I called for authorization at the end of XX/XX/XXXX and spoke with XXXX # XXXX, this was a recorded conversation, as were all the conversations that I held with AmEx. In the beginning of XX/XX/XXXX ( I cant recall the exact date ) I spoke again with a representative. I would be buying the plane tickets for around XXXX at XXXX XXXX in XXXX, Florida and I didnt want any uncertainties. I again explained to them that I would be committing and must be certain that all was approved. Their Representativethis time I didnt take his name or employee numberverified and reassured me that all was approved and that I could make use of up to {$10000.00} and again I reiterated that I would not go over {$5500.00}. A few days later, I had to pay for the tour package which was slightly over {$2200.00} and again I called to make certain all would be approved. The Representative at AmEx again assured me that all that was approved from the first time I spoke with XXXX. I went and paid the amount for the tour package and all went well. On XX/XX/XXXX, I received a Statement from AmEx for the amount of {$3400.00} that was not due until XX/XX/2018. I pondered the situation and the fact that I would start making payments after XX/XX/XXXX but since these expenditures had taken place in XX/XX/XXXX, I sent the amount of {$480.00} on XX/XX/XXXX ( which was due on XX/XX/XXXX ). On XX/XX/XXXX. I left for XXXX and found the inconvenience that the American Express card was not accepted anywhere in XXXX or XXXX, so I had to make use of my bank card from XXXX XXXX and deplete my reserves. I also borrowed money in XXXX, for food and other expenses. At this point, I was sure that I could count with about {$1100.00} to cover my expenses for the month of XX/XX/XXXX ; which included car payment, Internet, food, and a partial amount of my rent, which I would finish covering with my XXXX Social Security pension that arrived on the XX/XX/XXXX of each month. However, when on the XX/XX/XXXX, I tried to make a small purchase at a drugstore, my card was rejected. When I spoke with the Representative of American Express, they told me that I could not use the card and I had to pay them XXXX immediately and of course I could not, not under those changed conditions and without warning. American Express had made Modifications against what had been agreed, without consulting and later informing me XXXX days after the fact. At that point, I spoke with someone named XXXX # XXXX and he DICTATED that I must pay {$450.00} on the XX/XX/XXXX of the month of XX/XX/XXXX as they said that I must pay the full XXXX immediately. This would leave me in a state of total inability to cover all my payments for the month as had been agreed as part of my reason for being authorized. I could not have paid on the XX/XX/XXXX, so I would wait for my pension money to arrive on the XX/XX/XXXX and then pay them after meeting my rent payment which had priority. Nonetheless, American Express got into my XXXX XXXX Bank account and took all my money out, leaving me delinquent with all my other payments. Change-in-Terms Notice ( 12 CFR 1026.9 ( c ) ( 2 ) ) When a significant change in account terms is made, the issuer must provide the consumer with a written notice of the change at least 45 days prior to the effective date of the change. A significant change in account terms is defined in Regulation Z as a change to a rate, fee, or other account term required to be disclosed under 12 CFR 1026.6 ( b ) ( 1 ), ( 2 ), or ( 4 ) ; an increase in the minimum periodic payment ; or the acquisition of a security interest.19 For increases in charges required to be disclosed under 12 CFR 1026.6 ( b ) ( 3 ) that do not meet the definition of a significant change in account terms, the issuer may either provide the Change-in-Terms Notice or provide oral or written notice of the amount of the charge before the consumer agrees to or becomes obligated to pay the charge, at a time and manner that the consumer would be likely to notice the disclosure of the charge. If a creditor decreases the credit limit on an account, advance notice of the decrease must be provided before an over-the-limit fee or a penalty rate can be imposed solely as a result of the consumer exceeding the newly decreased credit limit. The creditor is required to provide notice in writing or orally at least 45 days prior to imposing the over-the-limit fee or penalty rate and must state that the credit limit on the account has been or will be decreased. Credit line increases ( 12 CFR 1026.51 ) Credit card issuers may not increase a consumers credit limit unless they consider the consumers ability to make the minimum monthly payment on the account with the increased credit limit. The ability to pay requirements for credit line increases are the same as the ability to pay requirements for opening a credit card account.35 45 DAY NOTICE : 10. Ensure that the written change-in-terms notice contains the following disclosures ( 12 CFR 1026.9 ( c ) ( 2 ) ( iv ) ( A ) ) : A. A summary of the changes made to terms required by 12 CFR 1026.6 ( b ) ( 1 ) and ( b ) ( 2 ) or 12 CFR 1026.6 ( b ) ( 4 ), a description of any increase in the required minimum payment, and a description of any security interests being acquired by the creditor. B. A statement that changes are being made to the account. The estimated monthly payment for repayment in 36 months, as described in Appendix M1 to 12 CFR 1026. The estimated monthly payment for repayment in 36 months must be rounded either to the nearest whole dollar or to the nearest cent, at the issuer 's option ( 12 CFR 1026.7 ( b ) ( 12 ) ( ii ) ( C ) ) ; A statement that the card issuer estimates that the consumer will repay the outstanding balance shown on the periodic statement in 3 years if the consumer pays the estimated monthly payment each month for 3 years ( 12 CFR 1026.7 ( b ) ( 12 ) ( ii ) ( D ) ) ; and A toll-free telephone number where the consumer may obtain from the card issuer information about credit counseling services consistent with 12 CFR 1026.7 ( b ) ( 12 ) ( iv ). ( 12 CFR 1026.7 ( b ) ( 12 ) ( ii ) ( E ) ) Provision of information about credit counseling services. ( 12 CFR 1026.7 ( b ) ( 12 ) ( iv ) ) Required information : To the extent available from the United States Trustee or a bankruptcy administrator, a card issuer must provide through the toll-free telephone number, disclosed pursuant to 12 CFR 1026.7 ( b ) ( 12 ) ( i ) or ( b ) ( 12 ) ( ii ), the name , street address, telephone number, and website address for at least three organizations that have been approved by the United States Trustee or a bankruptcy administrator pursuant to 11 USC 111 ( a ) ( 1 ) to provide credit counseling services in, at the card issuer 's option, either the state in which the billing address for the account is located or the state specified by the consumer ( 12 CFR 1026.7 ( b ) ( 12 ) ( iv ) ( A ) ). My complaint is against AMERICAN EXPRESS CREDIT CARD. The people involved are all their agents and Representatives. Thank You Very Much and my Best Regards XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX. XX/XX/2018
Company Response: Closed with explanation

Timely Response

2018-07-30

MI

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Complaint: Recently noticed my American Express card interest rate was raised from 16.74 % way way way up to the max of 29.99 % without proper cause or notice. I made several attempts to resolve this through AMEX chat portal but it seems AMEX CHAT is being used to stall my attempts at a resolution and to wear me down by continually providing irrelevant answers and by continually passing me unto different departments who claim unable to answer, then to different representatives who claim unable to answer a direct question. Note : I am already warned down, my wife has very serious health issues, besides XXXX XXXX, XXXX, she is now on XXXX. Which is very draining on both of us. I am XXXXyrs. old and her primary care-taker. I am not sure if anyone understands how overwhelming and exhausting it is to care for someone in my wifes condition. For example : she literally has over 15 different medications to take every day. Some must be altered daily. As a result of all these meds & her medical condition, Her memory is not good. Therefore, her medication intake must be monitored. Another example : The medical professions routinely make mistakes. Just last week while my wife had a dangerous XXXX XXXX while getting her XXXX treatment. I had to scramble immediately to save her life. A nurse FORGOT to administer her required XXXX XXXX. When I asked AMEX if a notice was sent to me concerning the increase, AMEX responds that it was. However I have no notice in my emails, in AMEX messaging center or via mail that properly describes the action AMEX had taken. Also AMEX claims my interest rate was raised in XXXX because a payment in XX/XX/XXXX LATE PAYMENT WARNING : If we do not receive your Minimum Payment Due by the Payment Due Date of XX/XX/XXXX, you may have to pay a late fee of up to {$38.00} and your APRs may be increased to the Penalty APR of 29.99 %. If that is true, Why wait until XXXX? Yet, A payment was made to AMEX on XX/XX/XXXX for {$500.00} Also the above note is NOT proper notification, it is a warning of actions that may or may not be taken. I do not believe this was a simple error, the computer programs today are far too advanced for this to be an error. Most people with the proper insight know this. SO please do not allow them to try passing this off as an error!
Company Response: Closed with monetary relief

Timely Response

2018-07-30

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-30

Bothell, WA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Closed with non-monetary relief

Timely Response

2018-07-30

Lutherville, MD

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2018-07-30

Monroe, NC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from AMEX on BOTH my XXXX nad XXXX credit report that i did not AUTHORIZED. I spoke with the AMEX Fraud department by phone once i was notified of these unauthorized hard inquires. after being asked security questions by Amex i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by AMEX. They did not remove those unauthorized hard inquires from XXXX and XXXX but allowed it to stay to intentionally hurt my credit score. I contacted both XXXX and XXXX on XX/XX/2018 and was told AMEX never contacted them.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-30

Lawrenceville, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-07-30

Oxford, GA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: I have been an American Express Platinum Delta SkyMiles card user for 15+ years with an average card spend of $ XXXX/year while paying the $ XXXX/year annual membership fee. Yet Amex did not treat me fairly or equitably. I always pay off my entire balance each month and in all these years, I had never had a late payment! Never that is, until about 7 months ago when I decided to sign up for eBills ( Autopay ) service via XXXX XXXX. When I first signed up, eBills failed due to which I had my first late payment ever with Amex in 15+ years as a platinum customer. At that time, when I called customer service, Amex DID reverse my late fee and interest accrued ( about {$150.00} ), for the first time EVER on my account. After that first mishap, eBills seemed to work well and everything was good with paying off the card automatically each month. However, I noticed today, while scanning charges on my Amex card after a recent trip, that I had accrued serious interest charges which I should not have given that I pay the balance off in full each month. Turns out, XXXX XXXX does not consider Saturday a business day ( which is the case with most banks ) but Amex DOES consider it a business day, at least for the purposes of payment due dates and penalties. My eBills was setup to send payment 2 business days prior to the due date for each of my credit cards, because that is how long it takes XXXX XXXX to process the bill pay. For the XXXX Amex payment however, the due date fell on a Saturday ( XX/XX/XXXX ), so when XXXX XXXX auto paid on Thursday ( XX/XX/XXXX ), Amex did not receive it until Monday ( XX/XX/XXXX ). Since XXXX XXXX does not consider Saturday or Sunday a business day, the payment was not delivered to Amex until the next business day which was Monday ( XX/XX/XXXX ). This resulted in Amex charging me $ 590+ in accrued interest and late fees. Of course I called them. But despite speaking with several managers, they REFUSED to reverse anything because they had reversed the charges for the only other instance when I had been late, mentioned above, in XX/XX/XXXX!! After all these years as a premium customer with never a late payment, that Amex has made tons of money off of via transaction fees and annual membership fees, this is where we are. I have an excellent payment track record that spans years and based on the proof of payment from XXXX XXXX for the bill pay, this was clearly not intentional or a delay tactic. Amex is not acting in good faith!
Company Response: Closed with monetary relief

Timely Response

2018-07-30

Redondo Beach, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Closed with explanation

Timely Response

2018-07-29

Cleveland, OH

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-07-29

Cleveland, OH

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-07-29

Jamaica, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with monetary relief

Timely Response

2018-07-29

Discovery Bay, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: American Express - Credit card charged my annual membership fees for the card that is not activated, I tried to inform their customer support there is not a single transactions and card was not activated at all. Credit Card was issued via XXXX XXXX. I honestly did not know or was informed there was membership fees, When the card was approved, I tried to used it for air miles but could not use it since the card was not activated have to wait for 15 days to get the card. I immediately called Amex to cancel the card, As I need miles now, If i can not use the miles now, their credit card is no use to me. AMEX support rep. mentioned card is approved, best would be not to activated.. and trash the card.. which I did and forgot about the issue. After that I never received any mail or statement almost now 12 month.. last week I received the annul membership fees statement.. kind of surprise informed credit co. support, they mentioned not to cancel credit card as it damages the credit. but I went ahead and cancelled the credit card. I am told I am still liable for membership fees, irrespective of card active or non-active.
Company Response: Closed with explanation

Timely Response

2018-07-29

Cleveland, OH

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-07-29

Cleveland, OH

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2018-07-28

Ann Arbor, MI

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: I opened an XXXX business account with American Express on XX/XX/XXXX with a sign up promo for XXXX XXXX for spending XXXX dollars in three months. I completed this spend on XX/XX/XXXX and waited the 3 months necessary to get the reward points that Amex says they can take. They managed to post the award bonus for my XXXX personal card ( XXXX points for {$3000.00} spend with an additional XXXX points on completing {$5000.00} spend ) which is shown in the screenshots below, but they never posted my XXXX business sign up bonus. At this point, I contacted american express and opened a case looking into why my award points were not awarded despite meeting the minimum spend. This was supposed to take 6-8 weeks. 8 weeks later I complained that there was no resolution to my open case and they said they would escalate my case. This was 2 months ago, and I am nowhere close to getting the promised award bonus. In their response, the company acknowledged their mistake and said : " We have issued XXXX bonus XXXX to your account on XX/XX/XXXX. These XXXX have been transferred to your XXXX account and will post in 7 to 10 business days. '' This has not happened, and it is already XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-07-28

Ft Trumbull, CT

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: A dispute was filed for charges including two XXXX transactions on XX/XX/XXXX, amounts of XXXX and XXXX. Additional charges from another merchant, XXXX of XXXX XXXX, were resolved directly, without any help from American Express as they denied claim for all charges. Items from XXXX remain unresolved, I've spoken with numerous XXXX reps, was advised to dispute charge with American Express and that they have not received any charge back or thereof from them. It appears American Express had done nothing at all to dispute any of the charges, just flat out denied the claim without investigating. I believe they merely verified billing address with merchant ( s ) and considers that enough to deny claim, which is unfortunate as they will continue to receive complaints until credit is issued. XXXX will not reimburse/refund charges, they refer me back to American Express. As you can see, the two banks have me bouncing back and forth, neither party has provided any proof these charges were authorized, which they were not. XXXX XXXX XXXX replies on behalf of American Express, this person has never shown any evidence whatsoever that XXXX transactions were authorized by myself or that I received anything from the merchant.
Company Response: Closed with explanation

Timely Response

2018-07-28

Belle Haven, CT

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2018-07-28

Kendall, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2018-07-28

Astoria, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2018-07-27

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Closed with non-monetary relief

Timely Response

2018-07-27

Kyana, IN

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

Company Response: Closed with explanation

Timely Response

2018-07-27

Dallas, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-07-27

Juniper Hills, CA

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble using the card to spend money in a store or online
Complaint: XX/XX/2018 : I deposited {$25.00} into my prepaid American Express card at XXXX. Later that evening I tried to use the card to purchase a gift for my son but the card was denied. I called the number on the back of my card and when I was finally able to speak to someone I was told that they put a hold on my card because they needed to make sure their was no fraudulent activity. This is not a new card. I have had this card for about 3 years. XX/XX/2018 : I called the card again and was placed on hold for about an hour and a half and when I spoke to the representative they told me that I could go ahead and use the card. I tried to make a purchase and it was denied. I called the card company again and was placed on hold for about an hour and when they came on the line they immediately hung up on me.
Company Response: Closed with non-monetary relief

Timely Response