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|11-15-2018, 10:37 AM||#1|
Join Date: Nov 2018
American Express enganging in Deceptive Business Pratices
On August 24, 2017 American Express and INCOMM entered into an agreement for INCOMM to acquire the exclusive distribution rights of American Express's prepaid reloadable and gift card products in the U.S. INCOMM will become the exclusive program manager and processor, and American Express will remain the issuer and network for all products involved in all transaction. INCOMM will also acquire the Serve technology platform and other assets related to the American Express prepaid reloadable and gift card products business.
My 83 year old grandmother on a fixed income of $1,800.00 monthly had been receiving direct deposit on her American Express Served Card for over 5 years without a hitch of getting access to her funds.
Two days after receiving her last deposit, she ask us to drive her to grocery store to stock-up on some supplies. To our surprise when she swipe her Serve Card to pay for mere $78.00 worth of merchandize the check-out cashier politely inform her the card was decline.
We paid in cash, went home and subsequent Log on the American Express Serve Card website, to our dismay we discovered the entire $1,853.67 was now on hold by the merchant, therefore denying the old lady the use her much needed money to purchase medicine and other essential items for her health, while no option to imitate an online dispute is was avail.
We proceed to call the customer service number at the back of the card (800) 954-0559, The Interactive Voice Response (IVR) only provides automation information, lacking any options to speak to live person. Using some social engineering we was able to come up with a direct number of (800) 555-4318, resulting in being transferred repeatedly to several live persons located off-shore outside the United States. It should be noted, Speaking to an educated, properly trained representative is difficult. Many of them have strong language barriers that creates miscommunication. The Customer Service Representatives (CSR) are generally rude, speak with a foreign accent, informing us, to wait six days for the moneys on hold to be place back on my card account.
On day 37, we contact American Express Cooperate headquarters in New York City (212) 640-2000. We were transferred to American Express Executive Assistant Ms. P. Coleman Newman. We were told to expect a full refund in three business days. On day 41 we called and e-mail Ms. Coleman Newman and was ignored. The next day we received an e-mail from her requesting we log back into the account and upload the store cash receipt initiate dispute as it will turn out to be American Express had shut down my grandma’s account.
It is very important to note, this deceptive conduct by American Express and INCOMM is not just limited to our grandma, as there are numerous customer complaints beginning from May of 2017 to as recent as November 12, 2018 on the Consumer Affairs Website reporting the same on-going scams like ATM withdrawal, when the money was not dispensed and the ATM told customers they had insufficient funds but still deducted or freeze the amount from the accounts. (https://www.consumeraffairs.com/fina...ess-serve.html).
Additionally American Express new CEO Stephen J. Squeri, INCOMM CEO Brooks Smith, President Phil Graves and not so honest shyster General counsel Michael D. Gruenhut are all aware of this on-going scamming activities for at least 18 months but choose to ignore this massive fraud perpetrated on millions of American citizens customers to include 83 year old little ladies on fixed income.
If you are a victim to this American Express/INCOMM scam, call or write a letter to the office of the Controller of Currency (OCC) Customer Assistance Group (800) 613-6743
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Houston, TX 77010
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