Credit card or prepaid card -- Trouble using your card -- Complaint #5026358
Complaint Overview
Complaint ID: 5026358
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: South Carolina
ZIP Code: 296XX
Date Received: 2021-12-20T12:00:00-05:00
Date Sent to Company: 2021-12-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a card from AMERICAN EXPRESS. Days after the card had a hold placed onto it. I had to go through a process to get it lifted. After getting it lifted I tried to resume using it, yet transactions were still declined. I followed up with them again to be told that I dont have a preset limit, but that Ive reached my limit .. at only {$2100.00}?? I am aware of the consumer credit transaction process and I know that nothing was lended to me and only I, the consumer is using an extension of my own credit. 12 usc 83 says that they cant loan a thing! 12 usc 1431 they are in fact borrowers. 15 usc 1602 L - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. - that means the social security card number that was required to be given is in fact a credit card per federal law. 15 usc 16675 The terms security and security interest mean any interest in property which secures payment or performance of an obligation. 15 usc 1602 m The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. According to 12 CFR 1002.2 an account means an extension of credit. Referencing to the social security card account number.. 15 usc 1602J this account is an open end credit plan.. XXXX stated they only use the social security card number for identification purposes but the SSA clearly stated FOR SOCIAL SECURITY PURPOSES NOT FOR IDENTIFICATION. XXXX clearly and repeatedly stated that they have lended me money and that was very false and misleading 15 usc 1611. She then stated that they lended me credit and thats very deceptive as no financial institution can lend their own stock credit and I in fact know I am the one whom extended credit. I am aware that this financial institution is receiving federal funding and trespassing against the consumers estate and LIMITING I, the consumers benefits.
Frequently Asked Questions
What is Complaint #5026358 about?
Complaint #5026358 was filed against American Express Company regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-12-20T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.