AMERICAN EXPRESS COMPANY
Consumer Complaints
There are over 15403 complaints on file for AMERICAN EXPRESS COMPANY. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 79
2019-03-23
HI
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: I paid off my American Express Credit Card XXXX, XXXX. I have been complaining and have received six letters from American Express that they are looking into and gave me six different dispute numbers. I have been reported to XXXX that I am delinquent. Each time American Express sends me a letter to acknowledge my dispute, they give name a dispute number and ask for more time to look into and resolve my case. Last week, American Express asked me to give them to XX/XX/XXXX to resolve the problem. I agree and this will be the 7th time to resolve my case. Also, they promised not to report my case as being delinquent, and I noted XXXX showed me delinquent with American Express early in XXXX. Before my last conversation with American Express. American Express did call me back this week and told me that I OWE THEM THE MONEY. I asked to see the statement showing where the charges are coming from and was told they could not provide me since it was last year. They told me I had to go back and check all my statements and payments made. I told them that was not acceptable since they claim I opened another card and I disputed opening a third card.. they said I requested a third card and I told I never did. They claim I had three cards with American Express and ask them to show me where I accepted and sign for a third card. They have really screwed up my two accounts which I have paid in full, therefore I need help from CFPB to make them send me statements showing where I opened a third account and made charges.
Company Response: Closed with explanation
2019-03-23
Charlotte, NC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-03-23
Onalaska, WI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-03-22
Cherry Brook, MA
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
2019-03-22
Irvine, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Company Response: Closed with explanation
2019-03-22
Caldwell, NC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-03-22
Portland, OR
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 non-monetary relief
2019-03-22
Jacksonville, FL
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief
2019-03-22
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Charged for a purchase or transfer you did not make with the card
Company Response: Closed with explanation
2019-03-22
Caldwell, NC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-03-22
Discovery Bay, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: My Membership Rewards account seems currently being locked without any notice that prevents me from transferring points to an airline partner.
Company Response: Closed with explanation
2019-03-22
South Lyon, MI
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
2019-03-22
Nesconset, NY
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Closed with explanation
2019-03-22
Cornelius, OR
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
2019-03-22
CO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: On XX/XX/19, I applied for an American Express Starwood Preferred Guest credit card with a promotion to earn XXXX points after spending {$3000.00} in 3 months. Under the Offer Terms, it states : " Welcome offer not available to applicants who have or have had The XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX Credit Card from XXXX, or The XXXX XXXX Credit Card from XXXX XXXX in the last 30 days. '' I haven't had any of these cards in over a year, so I applied. When I received the card I activated it on XX/XX/19 and called to confirm the above referenced promotion. I was told I was ineligible and was told the offer terms were different than what I had recorded when I applied. American Express opened a case to investigate whether I was eligible.
On XX/XX/19, I spoke with an American Express agent who said the investigation confirmed the wording of the offer terms I originally referenced, but said I was still ineligible, without citing any specific violation. I have not been an account holder of any of the above referenced XXXX accounts in over a year. I was told to submit screenshots of the related account closures with XXXX. An additional investigation was opened and I was told it could take 6 to 8 weeks to resolve.
Meanwhile, the original American Express offer opened for this credit card was to spend {$3000.00} within 3 months of account approval, which will be approximately XX/XX/19 If I wait for the investigation to complete ( 6 to 8 weeks from XX/XX/19 ), I will have passed the deadline to complete the minimum spend and will definitely not be eligible for the bonus promotion. I noted this to the American Express agent on XX/XX/19, and was told the investigation might be finished sooner and I could choose to make the {$3000.00} spend or not.
Company Response: Closed with explanation
2019-03-21
Stonington, ME
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
2019-03-21
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 monetary relief
2019-03-21
North Hollywood, 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: I applied for the Business Gold Rewards card on XX/XX/2018 which offered a sign-up bonus of 50,000 MR Points after {$5000.00} in spend. Several weeks later, I confirmed with American Express that the offer was on my account and I had until XX/XX/XXXX to meet the spend requirement. I spent over the amount required.
I contacted American Express on XX/XX/XXXX since I did not see the bonus in my account yet. They told me that the previous agent had mis-informed me, but I was not eligible for the welcome offer because my account history shows I have " opened and closed frequently. '' I have only ever closed one American Express credit card.
They then claimed that I received a pop-up that I was not eligible for the bonus when I was applying. This is not true and I did not receive any notice that I would not be eligible for the welcome bonus.
They are denying me a welcome bonus that they confirmed I would be receiving. I have read many reports and complaints from others about the same issue who also did not receive the pop-up that they claimed would be impossible to miss.
Company Response: Closed with explanation
2019-03-21
Rawsonville, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: WHEN AT THE HOSPITAL, MY VEHICLE THAT WAS TOWED TO AN IMPOUND LOT WAS ACCUMULATING STORAGE FEES AND AUCTIONED OFF ALONG WITH MY DRIVER LICENSE, SOCIAL SECURITY CARD, W2, 1099, CREDIT CARDS AND CHECK BOOKS AND THE PERSON WHO TOOK POSSESSION OF THE VEHICLE DID NOT RETURN MY PERSONAL ITEMS AND DID NOT TAKE CARE TO SECURELY DESTROY THEM.
I CALLED UP AMERICAN EXPRESS WHEN I GOT OUT OF THE HOSPITAL AND REALIZED THAT THE TOW YARD HAD AUCTIONED OFF MY VEHICLE WITH CREDIT CARDS IN THE VEHICLE AND ASKED TO CHANGE THE ACCOUNT NUMBERS AND HAVE NEW CARDS REISSUED. MR. XXXX WAS ASSIGNED BY THE XXXX COUNTY COURT AS A CONSERVATOR AND MANAGE MY FINANCIAL MATTERS BUT HE TOOK THE CHANCE TO REDIRECT ALL MY MAIL AND FINANCIAL STATEMENTS TO HIS OFFICE SO I NEVER RECEIVED A REPLACEMENT. AS SUCH, I CAN NOT VERIFY THE VALIDITY OF THESE CHARGES AS I HAD MANY CARDS THAT I DID NOT USE ON A REGULAR BASIS AND THEY HAD XXXX BALANCES AND ARE PAID IN FULL EACH MONTH IF SOMETHING APPEARS ON THE STATEMENT.
MR. XXXX WAS SUPPOSED TO TAKE OVER AND SHOULDER THIS RESPONSIBILITY OF MANAGING MY FINANCIAL AFFAIRS BUT DID A SHOCKINGLY BAD JOB. HE CANCELLED ALL MY CREDIT CARDS RESULTING IN MY CREDIT SCORE FALLING DUE TO THE AVAILABLE CREDIT TO DEBT RATIO AND NEVER PASSED ALONG ANY REPLACEMENT CARDS AND SEIZED AND HELD ON TO MY BANK ACCOUNTS.
I AM NOT SURE IF THE CHARGES ON AMERICAN EXPRESS ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX ARE DUE TO ANNUAL FEES OR WHETHER FRAUDULENT CHARGES HAVE BEEN MADE ON THAT ACCOUNT OR WHETHER MR. XXXX MADE ANY OF HIS OWN CHARGES ON MY ACCOUNTS.
THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH XXXX SAID THAT I DO NOT HAVE TO WORRY AS I WILL NOT BE LIABLE FOR CHARGES THAT I DID NOT MAKE OR AUTHORIZE AND NEW CARDS WILL BE ISSUED. I DO NOT UNDERSTAND WHY AMERICAN EXPRESS LISTENS TO MR. XXXX OVER THE RIGHTFUL ACCOUNT HOLDER AND ALLOW THE FORWARDING OF REPLACEMENT CARDS AND STATEMENTS TO HIS OFFICE ADDRESS, WHICH IS XXXX XXXX XXXX XXXX, XXXX MI XXXX.
IN ANY CASE, MY BEST RECOLLECTION WAS THAT THIS CARD HAD A XXXX BALANCE AT THE TIME IT WAS TAKEN OFF MY CHARGE BY MR. XXXX AS I JUST CAME OUT OF THE HOSPITAL AND DID NOT HAVE ANY CHARGES TO MAKE AND WENT TO PAY ALL MY CREDIT CARDS UPON RELEASE TO AVOID ANY PENALTIES AND NEGATIVE CREDIT REPORTS. THE ONLY TWO CARDS I USED WERE THE XXXX XXXX XXXX XXXX XXXX AND THE AMERICAN EXPRESS PLATINUM CHARGE CARD AND THE CHARGE CARD HAS TO BE PAID MONTHLY IN FULL.
UNTIL AMERICAN EXPRESS AND XXXX VERIFIES THAT THESE CHARGES ARE NOT DUE TO ANNUAL FEES OR DUE TO MR. XXXX MAKING CHARGES ON MY PERSONAL CARDS AND THERE WAS NO FRAUDULENT CHARGES ON MY ACCOUNT FROM THE AUCTIONED OFF VEHICLE CONTAINING MY CREDENTIALS AND CREDIT CARDS, I ASK THAT XXXX REMOVES THIS UNVERIFIED CREDIT ITEM OFF MY CREDIT HISTORY AS IT IS NEGATIVE AND IS NOT ACCORDING TO WHAT WAS ADVISED BY THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH WHO TOLD ME I WOULD NOT BE LIABLE FOR CHARGES THAT I DID NOT MAKE OR AUTHORIZE.
Company Response: Closed with explanation
2019-03-21
Rawsonville, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: THIS IS IN REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX THAT IS SHOWING AN AMOUNT PAST DUE AND CHARGED OFF OF USD XXXX. WHEN I HANDED THE ACCOUNT OVER TO THE XXXX XXXX XXXX ASSIGNED CONSERVATOR, THE ACCOUNT HAD A XXXX BALANCE AND I HAVE NO IDEA WHO MADE CHARGES ON THE ACCOUNT ACCRUING TO USD XXXX OR IF THESE WERE THE RESULT OF ANNUAL FEES FOR THE AMERICAN EXPRESS PRODUCT.
IN ANY CASE, I HAD NO ACCESS TO THIS ACCOUNT AFTER MR. XXXX XXXX FORWARDED ALL MY MAIL AND ANY REPLACEMENT CARDS SENT TO HIS OFFICE AT XXXX XXXX XXXX XXXX, XXXX MI XXXX AND SAID HE HAD CANCELLED OFF ALL MY CREDIT CARD ACCOUNTS AND SEIZED MY BANK ACCOUNTS.
I WARNED THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH THAT THIS CARD COULD POSSIBLY BE ONE OF THE CARDS IN MY CAR THAT WAS AUCTIONED OFF AND THE REPRESENTATIVE INFORMED ME THAT NEW CARDS WILL BE RE-ISSUED AND THAT I AM NOT LIABLE OR RESPONSIBLE FOR CHARGES THAT I DID NOT MAKE OR ARISE FROM FRAUD.
I HAVE NO WAY OF TELLING WHETHER THE BALANCE IS ACCURATE OR WHETHER THOSE CHARGES WERE MADE BY SOMEONE OTHER THAN MYSELF, FOR INSTANCE MR. XXXX XXXX AS ALL THE STATEMENTS GOT FORWARDED TO HIS OFFICE AND I WAS NOT ALLOWED TO VIEW THEM.
I DO REMEMBER THAT THE FIRST THING I DID AFTER GETTING OUT OF THE HOSPITAL WAS TO MAKE PAYMENTS ON ALL MY CREDIT AND CHARGE CARDS FOR FEAR THEY WERE 1 MONTH LATE AND MIGHT AFFECT MY CREDIT HISTORY AND I USUALLY PAY ALL MY CARDS IN FULL EVERY MONTH AS SHOWN IN MY CREDIT HISTORY AND SO I AM NOT SURE WHY THERE IS A USD XXXX BALANCE ON THIS CARD AND IF THEY WERE DUE TO ANNUAL FEES OR CHARGES MADE FRAUDULENTLY OR BY MR. XXXX.
IN ANY CASE, THE AMERICAN EXPRESS REPRESENTATIVE SAID I WILL NOT BE LIABLE OR HELD RESPONSIBLE FOR CHARGES NOT AUTHORIZED BY ME INCLUDING FRAUDULENT CHARGES AND YET THESE CHARGED AMOUNTS ARE APPEARING ON MY CREDIT HISTORY AND RECORD EVEN AFTER I TOLD THE REPRESENTATIVE THAT SOMEONE CHANGED THE ACCOUNT ADDRESS AND I AM NO LONGER IN CONTROL OR POSSESSION OF THE AMEX CARD.
AS SUCH, I COULD NOT POSSIBLY HAVE MADE THE CHARGES THAT ACCRUE TO USD XXXX SINCE I LOST ACCESS TO THE ACCOUNT UPON MR. XXXX XXXX TAKING OVER SOMETIME IN XX/XX/XXXX.
AS SUCH, PLEASE REMOVE THE PERIOD THAT I AM NOT RESPONSIBLE FOR THE ACCOUNT AND THE NEGATIVE ITEMS OFF MY CREDIT HISTORY.
Company Response: Closed with explanation
2019-03-21
Rawsonville, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE AMEX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY.
MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING.
I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO AMERICAN EXPRESS THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE.
I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.
Company Response: Closed with explanation
2019-03-21
Tarzana, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Yesterday XX/XX//2019 I received the following email from American Express.
They lowered by Credit Limit without any notice this was going to be done or options I could take to handle beforehand. Only options after it was lowered.
I was not anywhere near the credit limit, had made all payments on time. Apparently, it was decided after pulling a credit report to lower the credit limit.
The biggest problem this has created is now this Credit Card is considered " maxed out '' which it was not even close to being " maxed out '' prior to them lower the limit.
The problem this is going to have on my credit report is it will lower my credit score, which is important on the credit front in general.
The fact that this was done without any prior notice, which I am sure they can do, which is so unethical.
I did call them and spoke to a customer service rep who is the one who read over the phone why the limit was lowered. I felt like I was talking to a robot and this robot was just reading a script.
This is an unfair practice in my opinion as I have always been on time with the payments, always paid more than the minimum. Never read if I didn't pay the balance down by a certain time I would have my limit lowered.
The only reason this is so maddening is that now by no fault of my own credit limit and my credit score will be affected greatly.
Not sure what can be done about this practice. But it is an extremely unfair way to treat good customer 's who pay their credit card on time and had considered being in good standing.
My credit limit was {$20000.00} and the amount used {$10000.00}. I had also made a payment of {$450.00} just a few days earlier.
Thank you,
Company Response: Closed with explanation
2019-03-21
Rawsonville, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: AS MENTIONED IN PREVIOUS REPORTS, MY VEHICLE WAS LEFT BY THE SIDE OF THE ROAD AND IMPOUNDED AT XXXX XXXX IN XXXX, MI DURING A TIME THAT I WAS IN THE HOSPITAL AND COULD NOT RETRIEVE MY CAR AND IT WAS AUCTIONED OFF FOR NON-PAYMENT OF STORAGE FEES AND THE CAR CONTAINED MY PERSONAL IDENTIFICATION : DRIVER LICENSE, CHECKBOOKS, SOCIAL SECURITY CARD, W2, 1099, CREDIT CARDS AND DEBIT CARDS THAT WERE NOT RETURNED TO ME OR SECURELY DESTROYED.
I GOT CALLS FROM DIFFERENT CREDIT CARD COMPANIES ASKING ME IF I MADE ANY CHARGES TO MY ACCOUNTS AND I QUICKLY CALLED UP ALL THE CREDIT CARD COMPANIES I COULD RECALL BASED ON MY CREDIT REPORT LOOKUP AND TOLD THEM TO RE-ISSUE NEW CREDIT CARDS AND I WAS ASSURED THAT I WOULD NOT BE RESPONSIBLE FOR ANY CHARGES THAT I DID NOT AUTHORIZE OR MAKE UP TO A MAXIMUM OF USD XXXX FOR SOME CARDS AND USD XXXX FOR OTHERS.
UPON DISCHARGE, I QUICKLY WENT TO MAKE PAYMENTS ON ALL MY CREDIT CARDS AS I DID NOT WANT NEGATIVE REPORTING TO THE CREDIT BUREAUS OR TO INCUR LATE FEES. ALMOST ALL THE CREDIT CARDS WERE PAID DOWN TO XXXX BALANCE BEFORE XXXX XXXX, A CONSERVATOR ASSIGNED BY THE XXXX COUNTY COURT TO MANAGE MY FINANCIAL AFFAIRS CAME ALONG.
MR. XXXX WAS WARNED THAT THERE MAY BE FRAUDULENT ACTIVITY ON MY CREDIT CARDS BUT DID NOT VERIFY WITH ME ANY OF THE CHARGES. INSTEAD, HE REDIRECTED ALL MY MAIL ( INCLUDING THE REPLACEMENT CARDS SENT AND FINANCIAL STATEMENTS ) TO HIS OFFICE AND SEIZED CONTROL OF ALL MY BANK ACCOUNTS.
NOT ONLY WAS HE NOT PRUDENT WITH MY FINANCES, HE WAS RECKLESS AND NAIVE AND CANCELLED ALL MY CREDIT CARDS RESULTING IN MY CREDIT TO DEBT RATIO DROPPING TREMENDOUSLY AND ALONG WITH IT MY CREDIT SCORE.
IT IS UNKNOWN WHETHER THE AMERICAN EXPRESS ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX HAD ANY CHARGES RESULTING FROM ANNUAL FEES OR UNPAID BALANCE BUT IT APPEARS THE CARD WAS PAID OFF IN FULL BY XX/XX/XXXX AND NOT USED AFTER THAT WITH NO DATA ( BECAUSE NO PAYMENTS WERE NEEDED DUE TO A XXXX BALANCE ) POSTING ON THE ACCOUNT AND THEN AN ABRUBT CHARGE OFF ON XX/XX/XXXX AFTER MR XXXX TOLD ME THAT THESE ACCOUNTS HAVE BEEN CANCELLED BY HIM.
IT IS UNSURE WHETHER THESE CHARGES WERE MADE BY HIM OR BY SOME FRAUDULENT PARTY WHO HAD ACCESS TO MY CREDIT CARD ACCOUNTS FROM THE DATA AND SECURITY BREACH THAT ACCOMPANIED THE AUCTIONING OFF OF MY VEHICLE OR IF THE CHARGES WERE DUE TO ACCOUNT ANNUAL FEES AND INTEREST, WHICH IS UNLIKELY TO OCCUR IF THE ACCOUNT WAS INDEED CLOSED AND ACCRUE A XXXX CHARGE OFF AMOUNT.
IN ANY CASE, I AM VERY SURE THAT THIS ACCOUNT WAS LEFT IN TACT WITH A XXXX BALANCE WHEN I WAS LAST IN CHARGE AND IN CONTROL OF MY ACCOUNTS BEFORE MR XXXX TOOK OVER AND DEPRIVED ME OF ACCESS TO MY OWN FINANCES AND FINANCIAL STATEMENT AND WAS INTERESTED IN LINING HIS OWN POCKET WITH CHARGES THAT HE SUBMITTED TO THE COURT.
LACK OF ANY VERIFICATION BY MYSELF AS TO WHETHER I RECALL ANY OF THE CHARGES MADE AND WHETHER THESE WERE AUTHORIZED BY ME OR NOT, I ASK THAT YOU PLEASE REMOVE THESE NEGATIVE ITEMS FROM MY CREDIT HISTORY AND PROFILE AS INDICATED BY YOUR REPRESENTATIVE I SPOKE WITH XXXX WHO SAID THAT ONLY AUTHORIZED CHARGES AND CHARGES THAT I MAKE WILL I BE RESPONSIBLE FOR AND THAT I HAVE ZERO LIABILITY AGAINST FRAUDULENT CHARGES OR UNAUTHORIZED CHARGES.
I THEN QUESTION WHY THIS ACCOUNT THAT I EXPLICITLY RECALL PAYING DOWN TO XXXX BALANCE IS SHOWING UP WITH A CHARGE OFF AMOUNT IN THE RANGE OF USD XXXX AND AFFECTING MY CREDIT HISTORY AND ABILITY TO SECURE FUTURE CREDIT AND EMPLOYMENT JOB CHANGE ESPECIALLY SINCE MR XXXX XXXX WAS APPOINTED BY THE XXXX COUNTY COURT AS CONSERVATOR STARTING SOMETIME IN XXXX, WHEN THE ACCOUNT WAS STILL IN GOOD STANDING AND I HAVE NO IDEA WHAT HAPPENED AFTER HE TOOK OVER AS I WAS DEPRIVED ACCESS TO MY BANK ACCOUNTS AND ALSO MY FINANCIAL AND BANKING AND LEGAL AND TAX STATEMENTS THAT WERE ALL FORWARDED TO HIS OFFICE.
Company Response: Closed with explanation
2019-03-21
MI
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
Complaint: I was purchasing airline tickets through the Delta XXXX website and there was a promotion for Delta SkyMiles credit card, I called an talked to an American Express agent and he signed me up for the skymiles card and charged me {$190.00} dollars, he was very hard to understand. Terms required that I spend {$3000.00} on the card within 90 days and I would receive XXXX bonus miles. I did spend the {$3000.00} in 30 days, including the {$190.00} service fees. When I called American Express on XX/XX/XXXX they explained that I did not reach the XXXX dollar amount because they do not include the service charge as part of the XXXX dollars. I explained to them that the adviser never explained this to me and they should make an exception. American Express said they would send this to their complaint department and I would receive a written response in 8 weeks, which I never received. I called on XX/XX/XXXX and they gave me the same response and now they are not responding in writing. Then the American Express adviser said he couldn't hear me and disconnected the call, even though I was calling from a land line. American Express has very deceptive in their practice and I feel they are taking advantage of senior citizens. I would like my XXXX bonus miles or my {$190.00} back. They should also respond me in writing as they said they would. American Express advisers are very deceptive and just hang up on you. I was very polite on the phone and they still hang up.
Company Response: Closed with explanation
2019-03-21
Arco, 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: I was referred to apply for my Amex Everyday card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. Also, their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.
Company Response: Closed with non-monetary relief