Prepaid card -- Problem with a purchase or transfer -- Complaint #8452820
Complaint Overview
Complaint ID: 8452820
Company: American Express Company
Product: Prepaid card
Sub-Product: Gift card
Issue: Problem with a purchase or transfer
Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer
State: Michigan
ZIP Code: 481XX
Date Received: 2024-02-29T12:00:00-05:00
Date Sent to Company: 2024-02-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I made an online purchase for roughly {$53.00} USD to a local restaurant using an AMEX virtual gift card. The website made an error while checking out and said the payment didn't go through, and to select another form of payment, so I used my personal debit card instead. The next day I went to use the gift card again and noticed there was a pending payment from the restaurant for the {$53.00}. I called customer service and they could not in any way understand what happened was not fraud. It was only an error. They gave me a case number and said the process will take nearly 2 months to resolve. I checked the gift card recently and noticed the pending payment has been removed. It might have been resolved when the restaurant ran the month-end duties. I called the gift card company back to tell them everything appeared to be resolved and the remaining balance was correct, but they are telling me it will still take another 45 days for the issue to resolve. They are not understanding it is not a case of fraud. All that's left on the card is {$69.00} and I would just like to use it and be done with it. The customer service is absolutely awful and of completely no help at all.
Frequently Asked Questions
What is Complaint #8452820 about?
Complaint #8452820 was filed against American Express Company regarding Prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2024-02-29T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with non-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.