Prepaid card -- Trouble using the card -- Complaint #8463535
Complaint Overview
Complaint ID: 8463535
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: Michigan
ZIP Code: 48197
Date Received: 2024-03-02T12:00:00-05:00
Date Sent to Company: 2024-03-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received an AMEX gift card from my employer. I have successfully used the card to purchase an extended date on XXXX XXXX but that was the only time. Now I find I can't use these cards anywhere. These virtual cards are declined online and in XXXX XXXX XXXX XXXX, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. This system seems designed to skim a XXXX XXXX from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their card. My money is inaccessible. All I want is the total balance on my cards in cash/check. This is the card detail : XXXX XXXX : XXXX XXXX : XXXX Expiration Date : XXXXXXXX
Frequently Asked Questions
What is Complaint #8463535 about?
Complaint #8463535 was filed against American Express Company regarding Prepaid card specifically about Trouble using the card. It was received by the CFPB on 2024-03-02T12:00:00-05:00.
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.