AMERICAN EXPRESS COMPANY

2017-09-11

NY

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: On XXXX/XXXX/2017 at approximately XXXX, I received a call at my place on employment in regards to my American Express card that I have failed to pay due to filing for a Chapter XXXX XXXX . I advised the representative that there have been previous statements made to American Express to cease communication at my place of employment. Since then, numerous automated calls have been placed. I told the representative that I will be giving her my Chapter XXXX XXXX Attorney name and she then stated that would cue the calls to stop. I advised her that that does not negate the fact that her organization was instructed to cease communications. I did advise her that I was a Director of Operations for a collection agency and at this point I was not going to get into an argument with a collector. She instructed me that she has a XXXX XXXX and informed me " that at least she pays her bills ''. Moving forward, being that my call and her call was recorded, I will be pursuing an FDPCA claim on this as well. I work in this industry and by NO means would I tolerate that on my floor.
Company Response: Closed with explanation

Timely Response

2017-09-11

Edmond, OK

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-09-11

Cleveland, OH

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Company Response: Closed with explanation

Timely Response

2017-09-10

Washington, DC

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 explanation

Timely Response

2017-09-10

East Rockaway, NY

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: american express account ending XXXX i just received my XXXX bill and this isnt the first time that ive had the same issue with amex. not one alleged thing they said i approved has my signature to verify my purschase. i dont know how but if one attains your ssn number jeez every bill is via online. and ive written them and thy dont care they just ignore me.
Company Response: Closed with monetary relief

Timely Response

2017-09-10

Chicago, IL

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

2017-09-10

Ft Belvoir, VA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2017-09-10

San Francisco, CA

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

2017-09-09

Austin, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-09

CA

Other features, terms, or problems

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

Problem with customer service
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : American Express XXXX cash Everyday Account Ending in XXXX - XXXX XXXX XXXX - Customer Service Experience Credit Limit Reallocation I requested to XXXX {$1000.00} Credit Line reallocation from XXXX XXXX Credit card account Ending in XXXX to American Express XXXX cash Everyday Account Ending in XXXX. My request denied due to Recently reduced credit line XXXX Cash Everyday Account Ending in XXXX ( Letter Attached dated on XXXX XXXX ) But my credit Line was restored based on payments. XXXX XXXX attached dated on XXXX XXXX XXXX Customer Service Experience I called XXXX XXXX XXXX PCT XXXX answered name called XXXX XXXX Balance Transfer Department ) treated me so unprofessional. Please review my call and verify how about customer service. I am customer since XXXX and he never treated me as a valued customer. I asked him to transfer my called to supervisor and his answer was we dont have a supervisor and he can not transfer to supervisor and dial XXXX. I dialed that number and requested transfer to supervisor .XXXX.XXXX ( Balance XXXX Department XXXX answered my call and he also not help me out my concern and he asked me to call Customer XXXX XXXX Department XXXX and request the REMOVE REDUCTION TAG on my account. XXXX XXXX also treated me very mean high tone. I dialed that number and I told what happened and they transferred me customer service department again. I have to explain each time when I dial your customer service department. I spend more than XXXX hour to talk some XXXX help me out for my reallocation request and no ones help me out. Why I have to called Customer responsible landing department to request remove Reduction tag on my account? Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. If you want more information call me XXXX Thank you. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-09-09

Billerica, MA

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
Complaint: Hi, I applied for the American Express XXXX XXXX XXXX card on XXXX XXXX 2017 and got a same day approval. I was expecting to have some expenses and the promotional offer was good ( XXXX Membership Rewards points after $ XXXX spent in 3 months ). After I received the physical card few days later, I called AMEX customer service to confirm my sign up bonus and I was told that it does not show up in my account that it was offered for my account. Investigation was opened after a few calls. I made subsequent calls and initiate online chats every week or two to follow up with the issue and finally I was told that the investigation was closed and they could not offer the bonus term to me. The reasons given was different by various customer service representatives and after escalating the issue they forwarded my call towards what sound like customer service manager and I was told that because the sign up is through a third party website ( some blogs hyperlink to american express sign up page and forms ). Even though that there are evidences that signup bonus was offered through third party during that time from various websites, they can not help on providing the bonus offer. I did not have any screen capture for my applications but few friends of mine already got their bonus points after satisfying the sign-up bonus terms while I 'm left with no choice to even make things correct. The offer was no longer active since late XXXX. Card # XXXX Name : XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-09-09

Burlingame, CA

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
Complaint: Hello, I applied and was approved an AMEX XXXX card with a promotional sign-on bonus. This bonus was to spend {$3000.00} USD in the first 3 months for XXXX XXXX points and to spend an addition {$2000.00} USD within the first 6 months for another XXXX XXXX points. The second bonus is not being honored by AMEX even though I made the required purchasing amount within the time-frame. AMEX claims it is " not attached to my account. '' The card was approved on XX/XX/XXXX. This special promotion ended on XX/XX/XXXX. I 'm attaching screenshots of this information. I 've contested this issue with AMEX and they have denied it saying it 's not attached to my account. This is a technical issue, as I had to open multiple challenges with AMEX to even get the first XXXX bonus, which after 6 months of calling them and opening challenges, has finally been posted to my account.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-09

Los Angeles, CA

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 explanation

Timely Response

2017-09-09

Phila, PA

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 explanation

Timely Response

2017-09-09

Ft Lauderdale, FL

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

2017-09-08

Burlingame, CA

Problem with a purchase or transfer

Credit card or prepaid card: Gift card

Charged for a purchase or transfer you did not make with the card
Complaint: I had an AmEx Gift card for {$100.00}. I did not make any purchases using this gift card but when i tried to use it there was no balance in the card. I checked online on the AmEx site and it shows 4 transactions made in XXXX XXXX. I have never been to XXXX XXXX so seems like there were fraudulent purchases and I lost al the {$100.00} gift card balance. So far AmEx has been very unhelpful.
Company Response: Closed with monetary relief

Timely Response

2017-09-08

Chicago, IL

Fees or interest

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

Problem with fees
Complaint: I was charged an annual fee of {$75.00} by American express for my inactive XXXX XXXX card. I did not receive a notification about the fee and my account statements were being marked as spam by XXXX due to long term inactivity. I got a notice that I had not made a payment on my card and I logged in to find out about the fee. I have tried to get it resolved with XXXX but they insist on the fee, even though I have cancelled the card already with them. I will not have use of the card for the next 10 months even though I have paid the fee. For the next 10 months XXXX does not owe me exposure to the tune of {$24000.00} and has no liability to me charging off.
Company Response: Closed with explanation

Timely Response

2017-09-08

TX

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: On X/X/2017, in the course of debt collection activities related to my account, XXXX XXXX XXXX XXXX XXXX ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified XXXX XXXX XXXX as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.
Company Response: Closed with explanation

Timely Response

2017-09-08

AR

Other features, terms, or problems

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

Other problem
Complaint: I ( XXXX XXXX ) received a call from American express on XX/XX/XXXX on a overdue balance {$1300.00}. I verified that my 2 credit cards are paid and I have a zero balance on those. When I called back the customer service, they told me that there is a 3rd card linked to my account and asked me to contact theft prevention team. When I called Amex theft prevention/protection team, they said no attempt of ID theft visible on my account. Also, they clearly told me that they do n't see any 3rd card to my name. I had a frustrating day to make them ( different department of Amex ) to come to a common point. After multiple calls to different departments, they agreed that there is a 3rd card linked to my account. That too when I asked what is the name on that dispute card. They said it was XXXX XXXX. I remember that used to get some junk mails in my mailbox with that name and I assume she was staying in the address several years back ( I know previous person stayed here before me for few years ). Amex said there is a mistake on their side and its a rarest problem and never happened before. They said it will take a week or so to resolve and asked to call back to verify as they cant inform me about it. And moreover, when I asked for a tracking number, they said there is no tracking number for this. Every time I call them, I had to explain the whole story few days. that 's another pain I had. I found one professional helpful staff named XXXX from fraud prevention team found a kind of a solution to keep a note on my account with his name and asked me to use his name to tell to the customer care or debt collector to refer to read it. That saved few frustrated minutes of mine in later days. After few days, shockingly my cards are suspended for charging. When I called, its again the same case, sounds like no interaction between teams. And next humiliation started. Everyday, I get calls from Amex asking me to settle the amount which I do n't owe. I had to explain everytime to them what happened and they say they will take care on their side. But, its never ending story till today. couple of times, the caller went ahead and asking my permission ( by mentioning the ending number of the account ) to take money from my checking account I used to pay this card ( I did n't have any auto payment though ). I was in XXXX XXXX and fear of loosing my hard earned money. When I called today ( XX/XX/XXXX ), customer care person said, the disputed account was delinked on XXXX XXXX. and she do n't have answer when I asked why they are calling to collect the money what I do n't owe. Also, when I asked why my cards are still suspended, she said she cant do anything but I need to call some other department. I asked for a compensation for all the humiliation and metal trauma till date, she put on hold for few minutes and offered me {$25.00} courtesy. I told her that I am not going to agree to that and will complain to CFPB. While I am typing this, suspensions on my cards are removed ( again no intimation to me ). Please help to get me a financial compensation equal to all humiliation and metal trauma I went through. Thanks.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-08

Brooklyn, NY

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
Company Response: Closed with explanation

Timely Response

2017-09-08

MN

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
Complaint: I applied for the XXXX XXXX XXXX XXXX from American Express on XXXX XXXX. 2017, and instantly approved. The promotion was to earn XXXX XXXX Honors Bonus Points after spending {$3000.00} in purchases on the Card within the first 3 months of Card Membership. Plus, earn a free weekend night award after the first anniversary of Card Membership. I met {$3000.00} spending requirement on XXXX XXXX. 2017. After the first statement was closed, I did not see the XXXX HH points in my account, so I contacted American Express customer service. They said it would take up to 4-6 weeks to get the points. So I waited 8 weeks, but still did not get the points. So I contacted them again twice in XXXX, and they told me they would expedite point deposit, and told me to wait until next statement closing which was XXXX XXXX. I still did not get XXXX HH points as of XXXX XXXX. XXXX. As a long time loyal American Express customer since XXXX, this is a disappointing and frustrating experience. Please review this case and deposit XXXX HH points in my account as advertised.
Company Response: Closed with explanation

Timely Response

2017-09-08

Bozeman, MT

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

2017-09-07

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-07

Long Island City, NY

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 signed up for the American Express XXXX XXXX XXXX with a promotional offer of XXXX points after spending a minimum of {$5000.00} in the first three months. The application was approved on XX/XX/XXXX. I fulfilled the minimum spend within 2 months but was never given the promotional offer. I initiated an inquiry in XXXX or XXXX ( specific dates are unknown ) as to why I never received my points. According to AMEX I have previously opened a XXXX XXXX card before. This is not true. I 've previously held the XXXXXXXX XXXX card but it is not the same product/card. AMEX then said that a personal card was opened in XXXX but closed on the same day. This must have been a mistake as I 've only ever held a XXXX XXXX card for 1+ years. As a result I was auto denied my XXXX point bonus. A review would be opened and I was told to follow up in 30 days. On XXXX XXXX and XXXX XXXX, I followed up AMEX and was told I will still be denied because I had a XXXX account. This should not be the case as I 've never owned a XXXX XXXX card. Even the first representative stated that a personal platinum was only opened and closed on the same day. I should not be denied my XXXX bonus because of such an error.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-07

Agana, GU

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response