American Express Company

Review: I would like to file a complaint against American Express. I purchased furniture from [redacted], which I didn't care for, and returned. On Feb. [redacted], 2016, [redacted] issued me a credit to my AMEX card in the amount of $3,924.30. Today is 3/**/16, and although AMEX removed the credit from my account on March *, 2016, they refuse to send me the check. I have contacted their Customer Service Dept. on 4 different occasions, and they keep telling me that I'll receive the check within 48 hours. This never happens. Can they legally hold my money hostage for 2 plus weeks??? I am so frustrated right now. Could you please help??

Regards,

[redacted]Desired Settlement: Stop holding my money hostage and send me the [redacted] check as you promised multiple times!!!!

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

22 days since my [redacted] credit was posted to my AMEX card, and still I have not received my check. This matter will only be resolved when I receive my almost $4000 from AMEX. Four written requests, two customer service conversations with supervisors, and all I hear is that "[redacted]" Well, please, show me the money!

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

American Express mailed our response to the consumer at the address provided Today 3-**-2016. The consumer needs to allow 7 – 10 business days for sufficent mailing time.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Hello,

Im contacting you today in regards to a credit card that was opened under my name but was not me. I was unaware of an issue until a year ago when I applied for an american express card. I was told that there was a card already opened with a bad debt. So I started investigating. Turns out an old roommate stole credit for a living. He stole credit from me, friends, and family members. I was finally contacted by american express about the debt. I was paying the debt because I thought it was the right thing to do. But I was told to stop by legal counsel because it makes me look responsible for it. The guy would open up the accounts and add his name as an authorized user. Manage the accounts and eventually let the card go.

Please help. Thanks.Desired Settlement: Please correct the credit report and assign the debt to the correct person.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I had lost my wallet approximately three weeks ago and all my credit/debit cards. I had contacted all credit card companies, including AmEx, to issue new cards and informed them of a potential delay of payment due to the fact that I may not have access to my checking account -- the checking account was blocked due to the loss of debit card and I make all deposits via ATM machine. When contacting AmEx to issue a new card I had discussed the chance of me not being able to pay my bill on time due to lack of access to my checking account and the reassured me that they can fix any issues that would arise from the situation. A late fee was then charged and now they refuse to reverse the charge.Desired Settlement: A reversal of late fee charges

Business

Response:

We responded to the consumer via written correspondence today.

Review: American Express Dispute: [redacted] July *, 2013 Dear Revdex.com, On 7-*, I opened a dispute with inferior service with a merchant noted below. AMEX requested additional documentation which was uploaded to their system. I received a letter stating the dispute was closed and they could not refund the disputed money. No reason was given but just shown a receipt for services which I paid for. The person handling the dispute did not understand it the dispute, it was for poor services and poor quality of food. All this C/s did was request a receipt and then closed the dispute. I never had any issues with AMEX and they always stood beside us when it came to disputes and without justification they closed it.?? When I called back they stated there was nothing they could do, but in the past they always stood behind their customers. It appears there was no in depth investigation to this dispute by AMEX. Please note that on June [redacted] 2013, our family visited the Hilltop dining establishment to celebrate our twin’s graduations. To start with the dining area was dirty, along with the table settings and tables itself. We ordered our meals, and when they arrived my wife’s fish had an awful under taste, my son’s hamburger was over cooked and burnt, and my steak was nothing but gristle and fat and just plain bad. One of our twins ordered steak tips medium cooked, it came out burnt, dry and cold and my other twin had the seafood platter that also arrived cold and dry with a foul taste, indicating it was old. Also we had told the waiter we were missing a plate setting which he then took a setting from another table that was dirty with food particles stuck on the silverware. I complained to the waiter and also sent an email the next day 6-10 to the Hilltop via their web page http[redacted] with no reply. This was not the celebration we had in mind for our twins and left upset. We also had to go to a fast food establishment for takeout right after this experience. Basically we threw 161.00 in the door and left empty handed. I am requesting a full refund of $161.71 for the awful food and experience on a day that should have been a great time.Desired Settlement: Credit account for 161.71 please.

Business

Response:

We responded to the consumer via written correspondence today

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Received a response, not satisfied with outcome. Letter was actually smug. Will be closing account. Also was told an AMEX rep wouldbe callling to discuss. To date no call has come in.

[Your Answer Here]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today.

Review: Around August [redacted], 2013 I attempted to set up a BlueBird account with American Express online. A few days later my application was rejection because there are no "public records" for my name. I called in and spoke to a supervisor who walked me through trying to set up an account again over the phone which was also denied. I called in and spoke to another person after that and explained that I had processed a LEGAL NAME CHANGE on 03/**/13 so she advised me to try to set it up under my old name and then after the account was created, I could do a name change. It was a really long work around but I agreed to do it so I attempted a THIRD TIME using a THIRD EMAIL ADDRESS since you won't let me use the same one and I finally got an email asking to verify my identity. I thought this was great because then I can finally prove that I am who I say I am. So, though I got the email after trying to register under [redacted], I sent in the documentation that you asked. My driver's license and my social security card(both showing [redacted]) AND the COURT DECREE declaring my name change from [redacted] to [redacted]. Today, over 10 days after faxing that documentation and NOT HEARING ANYTHING, I finally call your company and am basically told there is nothing they can do because [redacted] "doesn't exist in public records". Of course I do, I have had all of my bills and utilities in that name since March **, 2013(one day after my legal name change). After speaking to supervisors at your company, apparently there is nothing they can do. My problem is that obviously "public records" don't verify [redacted] either or else you wouldn't have asked for further documentation of my id. If those documents which you requested in email are good enough to prove [redacted], why aren't they good enough to prove [redacted] ESPECIALLY when accompanied by a COURT DOCUMENT verifying the name change? I understand ID theft is a problem and I appreciate the carefulness your company takes but I cannot except that there is no solution or work around when someone changes their name. Nor can I accept faxing documents PROVING MY IDENTITY and not getting any response. It seems unsavory in that manner alone when you think that you accepted a copy of my DRIVERS LICENCE AND SOCIAL SECURITY CARD and then don't even have the decency to respond to tell me you cannot proceed or anything.Desired Settlement: I would like a bluebird account set up in my LEGAL NAME which is [redacted]. I don't care what your "public records" say. I can provide any and all documentation you would like INCLUDING a birth certificate showing my new name on it.

Business

Response:

We responded to the consumer via written correspondence today. Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[I received your letter in the mail today besically repeating what you said in the first letter which upsets me even more because it was clear from the response that you have not listened at any time during this complaint. I tried twice to set up an account with my legal name around August **-** using two different email addresses. [redacted] and [redacted] - both of those applications were flatly denied for not matching public record. I then attempt a third registration using [redacted] under my PREVIOUS legal name and got a response asking for paperwork to verify my identity on August **, 2013. I don't understand how you can say that I didn't send in the required documents within the specified timeframe because I faxed them to you that SAME DAY at 5:42 PST. I faxed them TWICE to you in case the first set got lost. All of my required documents were faxed to ###-###-####. However, the email was asking for documents proving the identity using my previous legal name of [redacted]. Instead, I responded with legal documents showing my CURRENT LEGAL NAME of [redacted]. I sent all of the documents you were requesting INCLUDING the copy of the court decree showing that I used to be [redacted] and a letter explaining why I was responding to the account application for [redacted] with documentation for a [redacted]. A couple of days went by again and I called because I had not gotten a response and I was told that my application was denied because the paperwork sent in did not match the application. OF COURSE IT DOESN'T. I HAVE LEGALLY CHANGED MY NAME. At NO TIME after any of the applications using my CURRENT LEGAL NAME did it ever ask me to send in paperwork to verify my identity. I only got that response after attempting to apply under my OLD LEGAL NAME. Today is 10/**/2013 and we are now going on two months without your company resolving the issue. YOUR COMPANY HAS SEEN THE DOCUMENTATION FOR MY IDENTITY PLUS MORE DOCUMENTS THAN YOU ASKED FOR WHEN I SENT THEM IN CONCERNING THE APPLICATION FOR [redacted] WHICH AGAIN, IS MY PREVIOUS LEGAL NAME.]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today. American Express considers this matter closed.

Review: I am getting charged $7.95 per month via ACH. This charge was not authorized and American Express has provide no service to warrant this charge. Most recent charge originated from Wells Fargo Bank with trace # [redacted]Desired Settlement: $7.95 * 5 months of charges (through 10/**/2013) = 39.75

Business

Response:

We responded to the consumer via written correspondence today.

Review: I was lied to about having late fee removed from my account twice.

In august I received 25.00 late fee after paying my balance off in full and called to question this amount was told my payment was received late. I was also closed my account because that account rep was very rude. I was told I would be receiving a credit I paid my balance off and thought I done. I did not receive any statement in September and then I received a statement in October for additional 25.39 bring my balance to 50.39. I called again was told this rep and then supervisor that 25.39 could refunded but the other amount for 25.00 was on there too long. I lied to yet again. I was on the phone 2nd time OCT ** for least 45 minutes trying to straighten this out. American Express customer service lies to their customer over and over again and no way are helpful any way. I been loyal customer 25 years and I was never treated so poorly by American express. I called yet a third time demanding to speak to manager as feel a customer shouldn't treated in this manner lied too and awaiting 25 minutes manager took my phone down because was not available to speak too.

I wrote down first name of people I talked to 2nd and 3rd time I called. [redacted] was the rep and [redacted] was the supervisor 3rd time I called I spoke [redacted] briefly and then supervisor by name of [redacted] who took my number because manager was not available to speak too. If this happening to me happening to other customers as well.Desired Settlement: I just want a refund 50.39 to my account. American express used to go extra mile in customer service but no longer is the case. In my opinion there customer service should be out help the customer and these people be more considerate to the customer. Their rudeness and lies should not be tolerated because happen this time it will happen again.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I had my card used without my permission and have filed numberous disputes and AMEX has disputed in the merchants favor even though they have given AMEX fraudulent information. The merchant has states that they had [redacted] permission to charge my card and [redacted] is not an authorized user on my account and does not have ownership of the property where the services were to be performed.The merchant has also stated they had given me a $4000 return and the documentation that was given was a blank check that was made payable to NO ONE. Bottom line is the merchant has provided AMEX fake and fictiuos information NUMEROUS times and instead of really investigating it they choose to believe any piece of paper that is sent to them.Desired Settlement: refunded

Business

Response:

We responded to the customer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

You are referring to another dispute. I have an additonal dispute on my account ending in 64000.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Consumer has not provided any new information, therefore, American Express considers the matter closed and no response will be sent to the consumer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I have provided NEW information. I have attached the CORRECTIVE WORK ORDER/CITATION from the Arizona Register of Contractors that states that the Respondent( [redacted]) has violated many STATE LAWS:

1.) They are working outside of their license, which means they are not licensed to do this, and what they are doing is illegal.

2.) They illegally took funds without consent and any contract that has been executed. Per STATE LAW you can only take $1000 at time contract is executed, but there was never an executed contract.

3.) The work that was completed by them needs to be redone and because they are not licensed to do any of the work a licensed company will have to do it.

In conclusion, they cannot fix any of this work, by them selves or thru a company that they subcontract. You will find this on page 3 under complaint #7 under the 3rd bullet point

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I recently opened an American Express Golds Rewards Card. We were opening a new business and were already using the American Express Gold rewards card at 3 other business locations that we own. They are all separate business entities and as such require 3 separate card accounts. For the new business, we were going to open up a Delta Skymiles card instead because ultimately we use all of our rewards points for miles with Delta anyways. As I was coming upon the time to open up the new card for the new store location, I received an offer from American Express for 50,000 bonus rewards points for opening a new business Gold Rewards card with them or 100,000 bonus rewards points for opening a platinum business rewards card. I called in to American express to compare the two cards and decided to open the Gold Rewards card because of the lower annual fee. Anyways, I'd met the spending requirements required to qualify for the bonus and was waiting to receive the rewards points. After 4 months, we still had not received the points so on Friday March [redacted] I called in to see when the points would be deposited into our rewards account. When I called, I was told that there were no rewards points! I inquired as to why and was transferred first to another department and then to a [redacted] within that department. I was then told that I had been DENIED that offer because I have other Gold Rewards accounts with them. This was upsetting for two reasons. Firstly, I do have 3 other Gold Rewards accounts and have been given a rewards point bonus incentive for each one of those in the past and secondly (and most importantly) when I called in referencing the offer and went through the application process, I was never told that I had been denied the offer and would never receive the 50,000 bonus incentive points. They sailed me right through the application process and overnighted me cards. I was never notified that the offer that enticed me to open this card rather than the delta skymiles card would never be given. I never knew this until Friday when I contacted them. If I'd have been told over the phone when I called in and applied that I wouldn't be eligible for the offer then, I would have taken my business elsewhere. As it stands, I feel duped by American Express and this deceptive practice to open new customer accounts.Desired Settlement: I would like the promised 50,000 rewards points and an apology letter and a change in policy or if this is not a policy issue then employees that enroll new customers should be trained to be more forthcoming with important details.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I received an automatically generated response. They did not review the audio of my conversation with their representative.

The representative new that I had this same card already in fact that I had 3 already each of them with a separate business.

Nonetheless when I gave him the offer information and he pushed it through he neither told me that I was ineligible or that I had been denied that

promotion. If I had been told this I never would have applied for the card as there are other cards with American Express or Chase that I could have

received a welcome promotion.

He told me that we were good to go and gave me timeline to expect the welcome points.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today.

Review: On sunday 7/**, while making reservations on [redacted] for air travel I was offered and accepted to apply for american express delta sky miles card with a promise of 50 dollar statement credit and 30000 delta bonus points if I spent 1000 dollars over next 3 months. The statement credit could be applied right away to delta purchase for air ticket and bonus point accrual could also start with money spent on delta purchase. AE card advertisement is built within delta's web page as you purchase ticket. I applied, was accepted, a web page asked me if I wanted to get my account number right away to use for payment for my [redacted] purchase. I opted to get that, but next web page told me I was not authorized to view that web page. If I attempted to close, a warning came up that "are you sure you do not want your new card number" I called american express and after making me wait I was told that new account department is closed and you need to call monday. The rep reassured me that I should not worry about my bonus and offer of statement credit as these things do happen.

I closed my web page and had online chat with delta rep, who flat out told me they cant do anything as this is AE issue (I emphasized that the whole advertisement is part of delta ticket purchase and is embedded within deltas process so delta must share or collaborate). I purchased tickets with a different credit card spending $348.00.

Next day around 1 PM I called AE new account department ###-###-####. I explained the whole story, and rep transferred me. Female rep from AE told me this was credit deptt and not customer service, reassured me and transferred me to another deptt, the gentleman told me he cant help because that was business credit cards and not personal, reassured me and transferred me, this gentleman advised me to speak to his supervisor "Brian" who came on line and after courtesy statement line disconnected. I was very unhappy, called same number again, the gentleman told me there is not much they can do as they do not have any info on my new card as it takes 1-2 days and if I choose to spend more time he can connect me to yet another supervisor. Essentially I felt ashamed of myself spending 2 hours on this ordeal for nothing, pursuing 50 dollars and 30000 points.Desired Settlement: I would like AE to work with delta and accept my ticket purchase (using a different credit card as I was not given AE cc number) to issue statement credit of 50 dollars. AE should also give bonus points in lieu of 348 dollars that I used on delta ticket purchase on 7/**/14 (I would have used 348 dollars towards my stipulation of 1000 dollars to get 30000 bonus points. AE customer service seemed very disorganzed, customer unfriendly and non professional, seemed they had no clue about what they were doing. I spent 1 hour at least with AE on multiple occasion, an apology, complimentary service and compensation for my time will be appropriate outcome. American express should not have this advertisement within delta page as delta tells me it has nothing to do with it. Delta page is built around this AE offer so AE and delta need to clarify what is being offered by whom and who is responsible.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The attached letter shows that AE did not even read my concerns and sent me a letter saying my application for credit card was approved. This was not the issue. Their response reinforced my grievance that they had difficulty solving problems for customers. I also expressed my concern that there website/advertisement on delta website is misleading and misinforming. My issue was that I did not receive delta miles, delta statement credit and had a painful ordeal and loss of time contacting them by phone. I spent money on delta tickets that should be credited towards spending stipulation to get bonus miles and give statement credit as promised on delta site.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

*

Business

Response:

We responded to the consumer’s Revdex.com complaint via written correspondence dated July **, 2014. The consumer needs to allow 7 – 10 mailing days for this correspondence to arrive.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

The business needs to be explicit in its advertisement clearly spelling out who will get bonus points and who will not. The whole process is misleading, where consumer is kept guessing if they should complain to delta airlines where the credit card advertisement is displayed or complain to American express. The customer service experience is made cumbersome and complicated to discourage consumers and put the onus on consumer. If I was not eligible for bonus points it should have been clearly spelled out in letter or in approval email.

?

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I was offered a pay over time option on my american express credit card. I was told that I had a one month timeframe to make purchases and those purchases would be placed in a pay over time option as opposed to a Pay in full that is required monthly. I charged close to $10,000 in a one month time frame for an unexpected trip to Hawaii for my daughter to dance in the probowl as well as Christmas expenses. I received my bill in January with only a portion of the money in a pay over time option. I contacted american express in this process and was working with [redacted] from [redacted]. I was required to pay $2,000 for purchases made before the pay over time option (payment for $2,000 was made to American Express [redacted]) and I was required to make monthly pay over time payments of $200.00. The company used my $200.00 payments to cover my pay in full option as opposed to my payments for pay over time which suspended my pay over time feature. This resulted in the company being unable to move the balance of my pay in full to the pay over time option. I disputed this with American Express and they continue to tell me there is nothing they can do to help me. They are requesting a $3,000 + payment to pay off my pay in full option to which I don't have right now. I explained to American Express the only reason I utilized there card was for the pay over time option they offered me. I had other credit cards I could have used that accept monthly repayments. I called them today because they call my cell phone daily again to figure out how I can pay them without becoming delinquate. I offered to pay $250.00 monthly for my entire debt. American Express offered me a payment plan of $360.00 monthly for 12 months with negative reporting to the credit bureau monthly for entering into a repayment plan. I declined at this point and are contacting the Revdex.com for resolution. [redacted]This issues has been going on since Jan. 2014 and American Express has adequate notations of this issue.[redacted]Desired Settlement: I want the entire balance to be in the pay over time option that I agreed for repayment.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have not received any letters from American Express as of today.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

AMEX offered me a pay over time benefit on Dec **, 2013. I had a previous balance of $2,749.60 that was placed in the pay over time balance as well as any charges made before the close of that billing period which was $5,294.95. The total of $8,017.19. I received a bill in January that stated only a portion of the money I owed was moved into the pay over time benefit. I called AMEX to find out what was wrong and they told me that any purchases under $100.00 could not be moved to the pay over time. I sent AMEX $2,000 at this time to take care of any changes under the $100.00. That was on Feb * 2014. I worked directly with [redacted] in [redacted] (amex employee). He continue to move my pay in full purchases over to the pay over time portion which was a process. There are notes from my AMEX account all the way back to January 2014 that will confirm everything I am saying. [redacted] continued to work with another department until AMEX suspended my pay over time portion because I didn't pay my pay in full potion. [redacted] was able to move an additional $1870.65 to the pay over time portion before it was suspended.

AMEX has stated they are not able to locate the voice recordings from [redacted]. I have his direct # and I'm sure he would be willing to discuss this matter with the Revdex.com. I am asking the Revdex.com to look into this matter. I asked AMEX to do an investigation in which they state they can't find voice recordings of the pay over time offer or any conversations with [redacted]. I think this is untrue and the customer notes from the 50+ phone calls I have made since January 2014 to AMEX will show you that.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

While we appreciate the customer’s feedback our position on this matter has not changed. Please note that American Express considers this matter closed. Unless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.

Review: On 10/**/2014 I loaded $300 dollars on to my American express prepaid card. I then went online to my account with American express and did a bill pay the same day as I had put the money on the card. I then clicked on online bill pay on the American express website, to pay a deposit on my secure visa card through first progress. That same day 10/**/2014 The $300 was taken off my card. I logged back in on 10/**/2014 to see if the payment had been paid to first premier yet and it stated "On 10/**/2014 transaction was paid and complete. I then contacted first progress to see if they had received my deposit amount yet and they stated "NO" I THEN CALLED AMERICAN EXPRESS BACK AND INQUIRED ABOUT MY $300 ON THE [redacted] OF OCTOBER. The operator told me that it had been paid and if the other business had not received the payment by that day then call back. I then waited til the [redacted] of October and called first premier back once again and they stated they still had not received my deposit. I called American express back on the [redacted] of October and a operator by the name of [redacted] told me he was going to expedite my complaint to his [redacted] via email. And that by the [redacted] of October I would have my $300 refund back to my card. Come the [redacted] of October no refund was still made available. I then contacted American express again on the [redacted] of October and was then transferred to a [redacted] that told me my complaint was still in processing and she don't know when they would give my money back.Desired Settlement: DesiredSettlementID: Refund

$300 plus interest from the time they took it.

Business

Response:

American Express mailed our response to the consumer today.

Review: I have an American Express Serve Card. I have been trying to get back $499 that I was charged and have since disputed. The charge happened in August for a cell phone I was supposed to receive from somewhere in [redacted] (not sure where) from a company called [redacted]. I never received this phone. I called American Express Serve customer service in November before my window to open a dispute closed and let them know I never received the item. I intentionally waited a long time as I have items from overseas take months to show up before. I was unable to track the shipment as I never received shipping information. I gave American Express Serve all of this information when I initially opened the dispute. I showed them screenshots of my inability to log into the place where I could supposedly track it, emails that I sent to [redacted] Support asking for tracking information, etc. I opened this dispute November ** or**.

January [redacted] I finally get a response from SERVE customer service via email that denies my dispute. The email reads:

"After completing our investigation, we have determined the transaction to be valid for the following reason(s):

· The merchant has provided supports stating that the merchandize was received by the card member

If you would like to receive a copy of the documents we relied upon in making our determination, or if you have new or additional information that may be pertinent to our investigation please contact us at ###-###-####."

The above text has been COPIED AND PASTED. Since receiving that email, I called multiple times trying to reopen the dispute as it said I could do and asking for the information they say they used to make their decision. According to my call logs, I called the following times:

January[redacted]: 11 min 30 sec (was told I would receive information on decision and case was reopened)

January[redacted]: 16 min 23 sec

January[redacted]: 22 min 27 sec (was told the case was NOT reopened and that they would reopen it)

January**: 33 min 48 sec (was told the case was reopened, and closed again and I was not allowed to reopen it)

I also tried to get support via the [redacted] contact on [redacted] which was not helpful.

The dispute took over 40 days and they sided with the company who says I received it! Since then, it's been an uphill battle.

I have been told I could reopen the dispute and would be asked for additional information which I was never asked.

How are you supposed to make a decision without talking to me about it?

I was told I could see the "proof" showing I received the merchandise as the merchant apparently says I did. I have been asking for this proof for 19 days and have yet to receive it.

Support has been terrible. I have been trying to get this money back for OVER 2 months now.Desired Settlement: 1) I would like my $499 back on my card.

2) Do what you say you're going to do

Business

Response:

American Express mailed our response to the consumer today

Review: The customer service I've gotten from this company is TERRIBLE. I willl never do business with this company ever again in life. I've been hung up on, lied to, misinformed, and just played with for the past two days. I needed my money for a serious emergency and I was told I would have my control number for my [redacted] transfer in one hour. That has turned into two days and I am completely devistated. I was insulted by being asked was the money in my account from a tax refund. The money in my account is from my payroll and its a shame that I've been through so much trouble and have yet to receive what I need. I am closing my account and pulling all funds out of my account. I have yet to receive my [redacted] transfer and I've had enough.Desired Settlement: All money pulled from account. Close my account out. All money sent to [redacted] transfer

Business

Response:

American Express mailed our response to the consumer today.

Review: The purpose of this dispute is to resolve two disputed transactions for the [redacted] charged to my American Express Serve account (number ending in [redacted]) in the amounts of $2,500 and $1,960.00. I am disputing these transactions because I have returned the merchandise to the merchant and I am due a refund in the amount of $4,460.00.

I have reach out to both American Express and the [redacted] multiple times concerning this matter. I am requesting that American Express acknowledge receipt of this third party dispute and follow up with me in a timely manner concerning the dispute status.

Respectfully,

[redacted]Desired Settlement: I am requesting that American Express kindly escalate the matter of resolving the dispute with the merchant, by charging back to its account the amount of the disputed transactions and releasing the authorizations and funds from the two previous payments back into my American Express Serve account.

Business

Response:

American Express mailed our response to the consumer today.

Review: I've had the American Express Serve card for 2 years without any issue, until last week. I received my first pay back to work from maternity leave, $461. That same moment someone did a person to person money transfer of all my money!!! I immediately called AMEX serve and was told a fraud investigation will be conducted and I'll receive a call in 2 days. This happened March **, 2016. I never received the call but on Monday I rceived an email saying my account was permanently closed for violation of their service aggreement and to see paragraph 15 D which doesn't explain a violation. I called today to see about this fraud case and was told it was denied and the transaction was valid. Inwould need to file a police report and the case can't be reopened. That have stolen my $461 and I no longer have an account and there is nothing customer service or anyone of this company will do to retrieve it.Desired Settlement: Refund my $461.

Business

Response:

American Express mailed our response to the consumer today.

Review: On October 2015 American Express solicited me with a "new offer" to apply for a [redacted] credit card. The offer I received explained that I would receive 50,000 [redacted] if I completed the application and then used the credit card to purchase $3000.00 worth of goods within the first 3 months of receiving the card. I applied for the card and spent $3000.00 before February 2016. I contacted Emanuel at [redacted] customer service on February ** inquiring about the miles not credited to my Skymiles account and he opened case [redacted]. On March **, 2016 I received my next account statement and I still had not received credit from American Express, even though I had spent the $3000.00 in eligible expenses. When I contacted [redacted] customer service I was transferred to a supervisor who informed me that I am not eligible to receive the offer because I had opened a Delta American Express card years ago. American Express clearly had that information when they sent me the new offer for a new American Express card in 2015. I can not understand how its ethical or even legal to send someone a false and misleading offer for credit promising incentives that you will later claim you will not honor. I am requesting that American Express honor the offer they sent to me promising 50,000 Delta Sky Miles after I spent $3000.00 on a new American Express card. I accepted the offer in good faith and I expect American Express to complete the offer as it was described in their credit solicitation.Desired Settlement: I am requesting that American Express honor the offer they sent to me promising 50,000 Delta Sky Miles after I spent $3000.00 on a new American Express card. I accepted the offer in good faith and I expect American Express to complete the offer as it was described in their credit solicitation.

Business

Response:

American Express mailed our response to the consumer today

American Express sent me a letter stating that I may be able able for a refund.

So I looked into the questions on line that were needed t be answered and I thought that it was totally ridulous in that they required you to know what reason do I think I am qualified.

Their list of charges dated back to 2012,hello how am I a person of age supposed to know what specifically hpened 3 years ago.

I called all the numbers listed for help and the same thing occurred no reason cannot help me.

Great customer support!!!!

Finally I was so frustrated I said for get it, I figured it was a game and told the customer rep to stop bothering me you never meant to return any money.

Review: My name is [redacted], my father who passed away back in January 2014 unexpectedly. I have the same name as my dads and I have been trying to take care of his affairs along with my mom. My complaint is regarding the collections process of this company. I went over to my mothers house today to check up on her and she had given me this letter from American Express that states "as promised you will pay 125 dollars til the account is paid up". I was shocked and surprised by this letter because I had notified them that I was handling the closing out of the accounts and that my mom was recently discharged from the hospital requiring psychiatric treatment due to the recent death of her husband and my father. My dad was only 56 and we believe very strongly that the Chambersburg Hospital had not done what they should have and unfortunately he passed away because of that. Its not easy to deal with this and I am constantly reminded everyday when I try to talk with the creditors and then they try to go behind my back to get money from my Mom who is dealing with a lot of other financial issues. According to my mom they made contact with her and were very firm and in my opinion tricked my Mom to say she would pay them with money that she does not have and what is there would not even cover the medical expenses.Desired Settlement: discharge of balance remaining on credit card. Although this was never the intent and wish my father was still alive today, there is no money from his estate to cover any outstanding debt. I was deeply sadden when I found out what American Express had did to my mom and wish no one has to go through what I had to do.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Urgent, case not resolved. American Express has DCM collecting their debts and are know trying to collect debt from this. Anmerican express has not contacted me for any information regarding the issue.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Letter regarding family not responsible for debts and will not be contacted from the company is accepted.

Sincerely,

Review: Let me start by saying that I love American Express. However I've been having issues with my Serve prepaid account and customer service has not been able to help me thus far.

I run a home-based business, and one of the companies that I sell to pays only through American Express Serve. As a result I've received a lot of funds in my account and this has created some issues for me, given the limits that Serve has. My current problem (among many that I've experienced) is that I am unable to withdraw my funds from my account. I have over $13000 in my account, but customer service has refused / been unable to issue me a check for my balance. Additionally I am not able to receive any funds.

I need these to be addressed immediately as this is a lot of my money that I cannot access, not to mention the fact that as a financial services institution it is illegal to refuse a depositor's request to access their funds.Desired Settlement: I want my entire balance sent to me with express shipping in the form of a check.

Additionally I would like someone at the manager or higher level from Serve to contact me so we can resolve the rest of the problems I've had

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,