AMERICAN EXPRESS COMPANY

2019-02-18

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
Complaint: My American Express Membership Rewards account is " under review '' by American Express. They have given me no indication as to what prompted the review, and now they are telling me that I can not access my rewards points for 6-8 weeks. When I attempt to escalate the issue, I'm told that there is nothing they can do, so I need to wait 6-8 weeks to access the points I earned by spending money on their credit cards. Not only this, but the error message that appeared to me when I attempted to transfer points was that I was unable to transfer due to " selling or transferring to someone else 's account '' which is completely untrue. The frequent flier account I attempted to transfer to ( XXXX XXXX ) is my account and I was able to link it with my Membership Rewards account without issue. I was given no phone call or email stating that my account was " under review '' and I am not given any information without reaching out first. I was also told by the first representative with American Express that it was simply an issue on the airline 's end, which made me waste another hour of my time calling the airline. The 6-8 week timeline without access to my hard earned rewards is completely ridiculous. It is predatory to allow a customer to accumulate rewards for years ( I have banked with American Express since XX/XX/2014 ) and suddenly freeze their account without notice and notification, and at the same time tell me there is nothing that can be done for an absurd timeline. I made a transfer several months ago without issue, and there have been no changes to my account since that time.
Company Response: Closed with explanation

Timely Response

2019-02-18

Santa Ana, CA

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: On XX/XX/XXXX2018 I booked an online trip to XXXX with 5 star hotels to take place in XX/XX/XXXX2018. The booking was made with an online travel agent known as XXXX. I made an online payment of a deposit of {$5000.00} to the " online agent '' to be paid to the hotels specified for specified dates. I used my American Express Platinum Card for this transaction. The terms were " 100 % refundable if cancelled more than 90 days in advance of the trip ''. I was advised that all bookings were confirmed in XXXX by this " agent '' and deposits made. In XX/XX/XXXX 2018 I received a call from another travel agent who said some of the hotels were not available for the dates agreed. I was confused by this as the bookings had supposedly been confirmed in XX/XX/XXXX2018. I immediately contacted all the other hotels and upon checking with the hotels, I discovered nothing had been booked in my name or by/on behalf of this agent for me. I researched online and found many fraud warnings and reports that this " agent '' was an online fraudulent operation, with rip-off reports files, consumer complaints, stories of theft and fraud. I immediately sent a request to cancel this trip to this " agent '' and demand a full refund since this was over 90 days before the " trip '' ( 180 days in fact ). The agent kept reassuring me that they would refund me " ONCE THEY RECEIVED THE REFUND FROM THE XXXX XXXX XXXX HOTELS ''. They produced phony receipts and fraudulent booking confirmations that the hotels have assured me were fake. I have confirmation from XXXX XXXX XXXX hotels that there were no payments or bookings made in my name by or on behalf of this " agent ''. ATTACHED- EMAILS FROM THE HOTELS. Once I realized that this was a fraudulent operation with no legitimacy, I reported the fraud to American Express. I found out that this merchant seems to be operating online by selling " tours '' using the name of a legitimate franchise to advertise, but not being a legitimate franchisee. This operation has no legitimate business address except online, and their payment information and operating name is in fact different from the franchise name they use online to trap the unsuspecting public or consumer. Instead of American Express investigating the fraud, they advised me that once I had given my credit card number out to a merchant, it was not a fraud, but was a " dispute '' and the merchant was the one who had the benefit of the doubt. The merchant produced phony bookings that did not refer to me ( my name was nowhere on the documentation ), and the merchant produced a new set of terms not connected to their website, trying to exclude my weeks of travel from the cancellable clause online ( all documentation was sent to American Express ) yet American Express still did not reverse the charge. I sent American Express written confirmation from the hotel groups that these bookings were not legitimate and never made by this alleged agent, and no payments were ever received by these hotel groups from this merchant. American Express is obliged to protect the consumer/customer for goods and services not received. American Express initially reversed this charge in my favor, yet have rebilled me. I reopened the dispute and sent them the full information again, yet they rebilled me again without any regard for the evidence produced. I reported this as fraud again and they once again sent it to the disputed department. Each time, they credited the account and then reversed the charge and rebilled me. This has been going on from XX/XX/XXXX 2018 until XX/XX/XXXX 2019, when I again received a letter advising me that we would be rebilled the {$5000.00}. There is no other choice for us than to file this complaint. We are Platinum Card holders and pay a hefty annual fee to American Express, yet they have been very remiss in the way that this has been handled. The terms I signed were cancellable if, using my American Express Platinum Card., using my American Express Platinum Card . Terms signed were fully cancellable if over 90 days notice. Merchant did not provide the services at all. Merchant has unlawfully kept the payment instead of refunding us, despite promising that they would do so. Attached : EMAILS FROM HOTELS SHOWING NO RESERVATIONS FRAUD REPORTS TRAVELERS FRAUD REPORTS CORRESPONDENCE WITH MERCHANT SHOWING THE ABOVE FACTS.
Company Response: Closed with explanation

Timely Response

2019-02-18

Milwaukee, WI

Other features, terms, or problems

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

Other problem
Complaint: When signing up for this credit card, the terms signed had a clause about becoming unemployed. I lost my job and the credit card company refused to follow the terms that they had laid out. This resulted in being charged multiple fees ( incorrectly ). These fees had the effect of compounding to make the situation worse, with more fees coming about from the fees that shouldn't have been there to begin with. I have now paid much more than ever used, with a balance at the same place it was to begin with. I became unemployed again, and the company stated they would not follow their outlined terms for the unemployment, and my account was being closed instead. Most recently, the company started harassing my in-laws. Calling my wife 's mother and brother harassing them. My wife is not even on my account! I had this account long before I even met her. Simply put, not following their own policies, and harassing third parties trying to over-inflate what I should owe them, should be illegal.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-18

WV

Trouble using your card

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

Can't use card to make purchases
Complaint: My American Express, as well as all my credit accounts, are always paid in a timely manner and absolutely never late. I never pay just the minimum and pay off large amounts of the balance but American Express repeatedly blocks spending on the account with many reasons why they Shut down the card. When I call in they tell me Im an excellent customer in good standing but they continuously shut off the card with a many u substantiated reasons. They have personally insulted me when I call to complain and typically get a representative from outside the US who does not speak fluently. The gentleman from XXXX I spoke with in Sunday was verbally insulting me and lecturing me on false accusations. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also and I still dont have this resolved. They charged me a {$550.00} annual fee last month but keep shutting off the card which doesnt allow me to access the benefits of the annual fee. This all seems fraudulent to me and would like Amex investigated. A customer in excellent standing should not have to deal with this. My account statement shows there is no payment due at this time and no preset spending limit which is evidently false. Being a XXXX XXXX I am making large purchases monthly and expect to carry a balance between 10-20k depending on need but it always gets paid and I pay large payments!!!
Company Response: Closed with explanation

Timely Response

2019-02-17

San Diego, 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 submitted my information on American Express site and received a pre-qualified offer for XXXX points for spending {$5000.00} in 3 months on the American Express Platinum card. I was approved for the card and started using it immediately back in XXXX. I spent the $ XXXX in the first month, but after 3 months I noticed the points weren't there. I contacted Amex and they opened an investigation but said it could take up to 2 months. I just contacted them again and they are saying I'm not eligible for the bonus because their backend team says that it said on my screen that I wasn't eligible for the bonus. First off, this is completely false as I never saw anything on my screen saying I wasn't eligible when I applied. Secondly, this wasn't a public offer, I submitted information and was provided this pre-qualified offer of the higher XXXX point bonus ( I have attached a screenshot of the offer I received ). I'm completely in awe that Amex would make something like this up to not give me the bonus. They haven't provided any proof, they just make a claim and can pull this off.
Company Response: Closed with explanation

Timely Response

2019-02-17

Hon, HI

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

2019-02-16

Sierra Madre, 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: I applied and was approved for an American Express Gold Card on XX/XX/XXXX. It was advertised with an offer of XXXX points after spending {$2000.00} within 3 months as well as 20 % back on restaurants within the first 3 months ( see signup.png ). My third account statement closed on XX/XX/XXXX and by then I had spent {$2300.00}, which was more than the required amount and within the required time. However, I did not receive the XXXX points or the 20 % back on restaurants. The fourth account statement closed on XX/XX/XXXX and still nothing. I contacted American Express via online chat on XX/XX/XXXX to see what was going on and was told that the welcome bonus was not available on my card due to accounts opened and closed frequently and incentive misuse ( see chat1.png and chat2.png ). I opened the account with the intent to use it as my primary card and spent {$7900.00} on it to date. More importantly, I was not told that I would be denied the welcome bonus when I applied for the card, in any of the documentation that came with the card, or in the months while I was spending money on the card to ensure I met the requirements for the welcome bonus. This was ample time for me to be notified of this important information. Instead, it was not until I contacted American Express that I was told of this decision. I trusted that American Express would honor their advertised welcome bonus, but they did not.
Company Response: Closed with explanation

Timely Response

2019-02-16

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: Last XXXX American Express came out with their new SPG Luxury credit card. They were offering XXXX bonus points if you spent a certain amount within the first 3 months. Since I already had a regular Amex SPG card I read everything I could about if that fact disqualified me from the bonus points. Based on everything that I read, I still qualified as long as the spending amounts were obtained. In fact, on XX/XX/XXXX I received an email from American Express stating that I would get XXXX points for upgrading. I had logged into my Amex account and upgraded the card. I spent the required {$5000.00} within the first 5-6 weeks of having the card. After not receiving the bonus points I contacted American Express in XX/XX/XXXX. They stated that I would not get the bonus points because I did not click on the link on the email to upgrade. There was nothing anywhere that stated that the only way that I would get those points is if I went through that email link. They are refusing to give me the points as originally promised.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-16

Tustin, CA

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

2019-02-16

Englishtown, NJ

Unable to get your credit report or credit score

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

Problem getting your free annual credit report
Company Response: Closed with explanation

Timely Response

2019-02-16

East Mansfield, OH

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

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

Their investigation did not fix an error on your report
Complaint: I have been an customer for many years. Since having this card I have had an automatic payment setup for automatic withdraw from my bank account. Around six months ago ( XXXX ) I was notified that they payment was showing as late. I called customer service two different times that month to get this issue taken care of and to see why the payment was late if I had it set to minimum payment from my bank account ( which had been coming out ). The person I spoke with updated my payment method made the account current and removed the late fees. I was assured that the monthly automatic payment was the minimum payment and I wouldn't have this issue again and that it would not have reflected late on my credit report. Several months later I get another notification that the account is past due. I call again in XXXX and again find out that the same thing had happened again - the automatic payment was coming out, but not the amount that needed to me. I again explained the situation and it was again addressed by customer service and everything was taken care of. I specifically asked if I could have a written notice that the automatic payment was updated and I was told it would be reflected online. Now this month i went to get pre approval for a mortgage and found out that the account was showing two months behind on my credit report and did show late the previous times also! I called customer service and spoke to them and they again showed that the automatic payment that supposedly been adjusted the previous two calls had not been changed and it still wasn't enough for the minimum payment. I asked to have the issue taken care of and the rep told me he wasn't able to and opened a case on it. I paid the amount and made the account current and cancelled the automatic payment having to now call in to pay the payment monthly to make sure this doesn't happen again. At this time the errors and not changing the automatic payments have negatively impacted me on my credit report and I was just charged several late fees for this last bout of late payments - even though they shouldn't have been. The above is a statement of the overall issue I have had. This information was submitted to the XXXX XXXX XXXX after several attempted phone calls to American Express did not resolve the issue - I was only ever told, an investigation has been opened. On XX/XX/XXXX, I received a letter regarding my complaint to the XXXX XXXX XXXX. The letter mirrored my above statement about the issues with the automatic payment not being the minimum payment that it should have been. In the letter American Express states : " On your correspondence you mentioned that you spoke to us on two occasions to update the Autopay from a fixed amount to the minimum due payment. We were unable to locate the calls referenced in your correspondence. '' I find it convenient that the calls that would substantiate my claim " were unable to be located ''. To add to this since making these complaints it seems as though American Express is now trying to intentionally make my credit report worse than it was before I began making the complaints. In the last month American Express has updated it's reporting of my account, changing that was reported late and when. As of pulling my credit reports today two of the three credit reporting agencies are showing something different being reported by American Express. How in making a complaint did my payment history get worse? If I am able I will gladly provide these reports to show that American Express has been consistently changing my report ( for the negative ) since complaining, and also the phone statements with the dates, times and lengths of the calls to American Express to have the payment history updated.
Company Response: Closed with explanation

Timely Response

2019-02-15

Bronx, NY

Improper use of your report

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

Reporting company used your report improperly
Complaint: I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request. Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature. PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-15

Newnan, GA

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: I have never applied for credit with American Express. American Express has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my file.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-15

Old Westfield, NY

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

Timely Response

2019-02-15

College, 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 non-monetary relief

Timely Response

2019-02-15

Cibolo, TX

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2019-02-15

Kyana, IN

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 monetary relief

Timely Response

2019-02-15

Santa Clara, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-14

Sundance, WY

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
Company Response: Closed with explanation

Timely Response

2019-02-14

NJ

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: On XX/XX/XXXX I was a victim of fraud and forgery while using my American Express Credit Card. I am writing to plead for assistance from The Consumer Financial Protection Bureau and ask for a thorough investigation with American Express, as they are condoning, disregarding and quite frankly encouraging fraudulent behaviors from their vendors/merchants. On XX/XX/XXXX, my American Express credit card was charges 11 times for a total amount of {$8800.00} from a merchant named XXXX XXXX. I only authorized/signed for 2 charges - {$190.00} and {$1000.00}. I contacted American Express immediately once I noticed the pending charges. In speaking to the agent/representative, we were convinced the charges were an error as there were numerous and duplicate charges minutes apart from each other. On XX/XX/XXXX, all the charges posted and I immediately contacted American Express. The agent explained to me that they will open a billing dispute/inquiry with the merchant and made me feel comfortable that the charges are inaccurate and AMEX will get to the bottom of it. On XX/XX/XXXX, I received an email with an AMEX Message. The message was a note from the merchant stating that I am a regular customer and a copy of 5 out of 11 receipts. I have never been to this establishment prior to XX/XX/XXXX. I reviewed the receipts and noticed my signature was forged on 4 of the 5 receipts ( the {$190.00} receipt being the only one I signed/authorized ). I did not authorized nor was I aware of the 4 other receipts. None of the descriptions on the receipts decipherable. Once again I immediately contacted AMEX, and explained them the charges were fraudulent and my signature was forged. They transferred me to the Fraud department and I was assured that AMEX is going to initiate a thorough investigation. On XXXX XXXX, I called AMEX looking for a status update and an update on the remaining receipts. The agent/representative explained to me the investigation is still pending and they have not received the additional receipts. On XX/XX/XXXX, I returned a call to the Fraud department as they left me a voicemail. The agent/representative from the Fraud dept. explained to me that the fraud team will not investigate this case because I was present at the establishment with the card. The agent/representative requested I contact customer care to continue to investigate the case. I did not understand how this is not fraud as I did not authorize these charges and my signature was forged. I was told by the agent on XX/XX/XXXX that this was fraud and she transferred me to the fraud team. If this is not fraud I do not know what is Either way, I then contacted customer care again and the agent/representative explained to me that there is not much more AMEX can do for me and to figure out an alternative route. I was so devastated and disappointed with the agent/representative approach and response that I had to end the phone call. I took some time to compose myself from the disappointing way the previous agent/representative address the situation. I called back a few hours later and requested to speak to a supervisor. The supervisor ( XXXX ) came on the line and immediately repeated the same message the previous agent/representative provide me ( there is not much more AMEX can do for me and to figure out an alternative route ) without listening to my concerns. I explained to her that I do not feel this was handled accordingly from AMEX from the very beginning. i.e. How AMEX allowed 11 simultaneous charges minutes apart from each other There are 4 separate cases/inquires open and the agent/representative could not explain why 4 were open vs 1. They could also not explained why 1 was closed out the other 3 were still open nor can I decipher why The agent/representative agreed this was fraud and transferred me to the Fraud dept., the Fraud dept. did not even investigate the case even though I did not authorize these charges and my signature was forged The agents/representatives and supervisor could not provide me any updates on the case or updates on the remaining receipts on every call I made to customer care. There was a credit on my account for {$1100.00} ( {$390.00}, {$290.00}, {$290.00} and {$190.00} ). Two agent/representative could not explain the credit and the supervisor ( XXXX ) stated the credit was from the merchant b/c of the duplicated charges. Shortly after this was explained to me, I receive an email stating the credit is being reversed. Communication and updates have been poor and inadequate The signatures and handwriting on the receipts are visibly and clearly mismatched ( Please see attached ) At this point, I contacted and engaged the District Attorneys office to notify them of the fraud and unjust business practice from this merchant. On XX/XX/XXXX I send an email to a member of the American Express Leadership team, to express my concerns on how American Express has managed and addressed the investigation/matter. On XX/XX/XXXX, I received an email from an American Express Executive Assistant, stating they have received my email and are reviewing my inquires and concerns. On XX/XX/XXXX, I received an email from the same American Express Executive Assistant, with an attached resolution letter stating We have extensively researched your concerns and determined all claims were investigated and correctly decisioned, because of the fact I was present at the establishment. Their outcome of all claims resulted in the following credits : {$1900.00} ( Vendor/Merchant entered an incorrect authorization code ), {$500.00} ( tip amount from the {$1500.00} charge ), {$400.00} ( tip amount from the {$1100.00} charge ), and {$80.00} ( tip amount from the {$200.00} charge ). I responded with my concern that this was not thoroughly and extensively reviewed as they stated. And requested a call to discuss the actions and steps that were taken to extensively research my concerns. On XX/XX/XXXX, I spoke to the same American Express Executive Assistant, to review and address my concerns. I ask a number of questions and what steps/process were taken regarding how American Express came to their decision. She was very abrupt and refused to answer specific questions. Her common response was You were at the establishment. I explained to her that their vendor/merchant had possession of my American Express Credit Card for the duration of my stay at their business. During that time span, they processed 11 separate simultaneous charges without my authorization. They then provided you 10 receipts with signatures and handwriting that are visibly & clearly mismatched and forged. Because I was at the establishments does not mean I authorized the charges. Below are a few of the concern I attempted to discuss with the American Express Executive Assistant to no avail. Why was I, nor the vendor/merchant, not physically contacted ( Called ) during the investigation Did American Express review the Merchants history An explanation of the Charges ( I can not decipher the descriptions on the receipts And the merchant would not return my call ) Why certain tips were credited and not others. o Her explanation was, any receipt with an X marked on the line for a tip would be credited. o There were receipts with X marked on the tip line that were credited and not credited o She stated she will look into why there was inconsistency on American Express 's part with the credit issued for the tips Why was only one charge of {$1900.00} was credited. o She states the Vendor/Merchant entered an incorrect authorization code o I requested the purpose and meaning of entering the authorization and she refused to explain it to me. Why did I not receive all of the requested receipts until weeks/months later from American Express ... I requested them numerous times and they finally provided 10 out of the 11 receipts to me in batches when they clearly had all of them from the beginning. ( I am still missing 1 receipt including the receipt I signed for {$1000.00} ) I received endless inconsistency with the credits provided. I was provided numerous credits on separate occasions and then the credits were removed on separate occasions. As a matter of fact, shortly after my call with the American Express Executive Assistant, where she went through and confirmed my credits, I received notice the same credit is being removed. Inconsistent messaging form American Express employees o The numerous/separate cases caused inconsistent responses/messages from the customer care agents every time I called in. The Communication and updates were poor and inadequate. Each Customer Care Agents provided me a different and inaccurate update or were not able to provide me any updates at all. The signatures and handwriting on the receipts are visibly and clearly mismatched ( Please see attached ) How AMEX allowed 11 simultaneous charges minutes apart from each other, while the vendor/merchant had possession of my Credit Card. They provided you 10 receipts with signatures and handwriting that are visibly & clearly mismatched and forged. I am pleading with The Consumer Financial Protection Bureau to investigate this matter. The fact that American Express accepts/allows this vendor to provide dishonest business practice and fraud to any patron is unacceptable, disturbing and frightening. How can American Express support, allow and accept this merchant to continue to provide unfair, dishonest and fraudulent business practice in our community? The Name/Address/Phone of the merchant that committed fraud is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Thank you
Company Response: Closed with monetary relief

Timely Response

2019-02-14

Brooklyn, NY

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 returned a bunch of items to XXXX for a refund and I did not get a refund so I went ahead and disputed them from XXXX and I lost the dispute as XXXX provided docs. saying the items were delivered. Now of course these items were delivered as I received them but the issue here is I returned them and got no refund. Below are the items and tracking numbers. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Each XXXX XXXX XXXX is {$290.00} ( $ XXXXx4= {$1100.00} ) XXXX XXXX is {$440.00} Total Owed to me : {$1600.00} Transaction took place XX/XX/XXXX The one for the computer might've been a bit earlier. Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX The above are XXXX reference numbers associated with this showing I requested a return also.
Company Response: Closed with explanation

Timely Response

2019-02-14

Bennington, VT

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

Timely Response

2019-02-14

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
Complaint: I previously filed a compaint ( Complaint Number XXXX ) where the credit card company provided a response. The response provided by the credit card company failed to address the underlying context of my complaint which was that I received a targeted offer with a Unique ID number specifically linked to me. This was not a general offer to which I applied to. After meeting the conditions of the offer, the credit card informed me that I did not qualify for the offer. How could I have not qualified for the offer if I was targeted with a Unique ID number. The credit card company would have had all information on me considering that I have been an American Express card holder since XX/XX/XXXX and would know of all credit cards that I have had since then.
Company Response: Closed with explanation

Timely Response

2019-02-14

Coral Gables, FL

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

2019-02-14

Centerville, FL

Closing your account

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

Can't close your account
Company Response: Closed with non-monetary relief

Timely Response