Prepaid card -- Trouble using the card -- Complaint #8068214
Complaint Overview
Complaint ID: 8068214
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: Pennsylvania
ZIP Code: 19134
Date Received: 2023-12-27T12:00:00-05:00
Date Sent to Company: 2023-12-27T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have two Amex Gift Cards that I got as a promotion when I installed my HVAC units. They both came with {$500.00} on them about a year ago. I was able to use them for a bit but everywhere I've tried lately they've been denied. I'm not trying unsecure sites ( I've been getting denied XXXX XXXX doctors office, hospitals... you know, highly regulated medical sites ). But according to Amex the sites aren't secure enough. But I've also been denied in person at my car mechanics shop. It is NOT that I was never able to use them, I've spent over {$850.00} of the {$1000.00}. But lately it's been a gamble and they get denied more often then accepted. I called today to ask and after fighting with their automated system I got a human being and their response was just keep trying to use them in other places. They shouldn't be randomly denied anywhere. I've still got {$120.00} on them that I look like a fool trying to spend because 95 % of the time they're declined for no reason whatsoever. Even in locations they've previously been accepted they can be declined ( or locations they've previously been declined they'll be accepted! ). I would like this money refunded to me by check so I don't have to play the game of try to figure out where I'm going to be able to spend it today. Amex Gift Cards say you can use them anywhere Amex is accepted, this is clearly NOT true.
Frequently Asked Questions
What is Complaint #8068214 about?
Complaint #8068214 was filed against American Express Company regarding Prepaid card specifically about Trouble using the card. It was received by the CFPB on 2023-12-27T12:00:00-05:00.
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.