Prepaid card -- Trouble using the card -- Complaint #7528074
Complaint Overview
Complaint ID: 7528074
Company: American Express Company
Product: Prepaid card
Sub-Product: General-purpose prepaid card
Issue: Trouble using the card
Sub-Issue: Trouble using the card to spend money in a store or online
State: New York
ZIP Code: 11101
Date Received: 2023-09-10T12:00:00-05:00
Date Sent to Company: 2023-09-10T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I ordered 3 AMEX gift card totaling of {$2500.00} back in XXXX. And once I received and activated them, my cards got declined all the time. And I had no issues before when using these gift cards. I called AMEX, they confirmed with me it was identity issue, and I asked if there is anyway to get the problem resolved. They said no, and might be used in person to avoid identity issue and deactivated my cards which is not reasonable, and I am the owner of these cards. I then called the 3rd party where I ordered these card from, the agent from the third party was pretty helpful, communicated, helped me to reactivated these card. This process took more than 2.5 months. However, after XXXX weeks, my cards got declined again and again. It looks like I can't even use them in person. It makes no sense to me that I am going to waste {$2500.00}, and if this is the case, it's a scam of AMEX. I ordered these card because I had no issues before, and if I knew this case earlier, I wouldn't have avoided this option. I am really frustrated about the way how they solve the problem, and they don't care about how much money it's related, because it's not their money and they already sold it. I am kindly asking them to give me a solution how to use these card please.
Frequently Asked Questions
What is Complaint #7528074 about?
Complaint #7528074 was filed against American Express Company regarding Prepaid card specifically about Trouble using the card. It was received by the CFPB on 2023-09-10T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (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.