AMERICAN EXPRESS COMPANY
Consumer Complaints
There are over 15403 complaints on file for AMERICAN EXPRESS COMPANY. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 109
2018-12-20
Oxford, GA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Trouble using the card to spend money in a store or online
Complaint: On XX/XX/XXXX went to XXXX XXXX XXXX fuel on XXXX XXXX XXXX XXXX, insert membership and the American Express Bluebird PrePaid card. The card came back with a declined. I was confused went to check app for balance and the app was not working. I left without gas and got gas later that day at XXXX XXXX with no problem. Checked my balance later and was shocked to see XXXX on the hold. I call Amex furious, the said 24-48 hours and the hold will drop. Not the case as I write this memo the funds are still on hold as of XX/XX/XXXX. Why must my XXXX be on hold as a hostage HOLD. I did not receive the goods of fuel. Contacted XXXXXXXX XXXX XXXX twice to the matter no resolve.
Company Response: Closed with explanation
2018-12-20
Burlingame, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: XXXX Customer Name : XXXX, XXXX American Express has refused to honor the bonus promotion of XXXX Delta miles under which I opened a new Delta Gold Amex card in XX/XX/XXXX. I easily met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By XX/XX/XXXX, I spent $ 2500+.
Thus, I should have had XXXX Delta miles credited to my Delta frequent flyer acct. It never happened.
On or around XXXX XX/XX/XXXX : i chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. I even offered to submit the promotion terms to expedite the process. Amex refused my offer, a red flag. I waited and waited and eventually forgot b/c Amex NEVER got back to me. I never received my XXXX bonus miles.
On or around XXXX XXXX ( not XXXX ) : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the bonus miles, i.e., I spent $ 2500+ XXXX XXXX Case ID Dispute XXXX. He put notes on acct.
XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an non-annual fee, but XXXX said that bonus miles might not be credited. I didn't agree since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But he/amex advised that I have to keep the card as Delta Gold. My concern is that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. Offer code seen. He confirmed that I spent {$2500.00} by XXXX.
I was concerned that Amex said this same thing a yr ago and never followed up. XXXX reassured me that I would be able to see the dispute he opened about the bonus miles and the annual fee in my online acct under " Disputes. '' Despite logging out and back in, this dispute never showed up. He said to give it more time.
It's now been two wk and the dispute he claims to have opened is nowhere to be found on my account. Amex is trying to trick me into leaving my acct open so that I have to pay the annual fee {$95.00} even though I haven't used the card in a yr. If I don't pay, Amex will report this as derogatory to the credit reporting agencies.
Amex keeps breaking its promises. I have the proof.
Company Response: Closed with explanation
2018-12-20
Hazlehurst, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had American Express close their credit card and send it to XXXX XXXX, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.
I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX XXXX agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.
Company Response: Closed with explanation
2018-12-20
VA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: I applied for an XXXX XXXX XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.
Company Response: Closed with explanation
2018-12-20
Wonder Lake, IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: I applied the American Express gold card with two promotions 1 ) getting XXXX points after spending {$2000.00} and 2 ) getting 20 % cash back for restaurant expenses, up to total of {$100.00}. After hitting the target I never received any bonuses so I called AMEX and they said my " welcome bonuses '' were rejected. This card charges a hefty {$250.00} annual fee and they are not honoring any of the promotions. They are not able to provide any specific explanation of why the offers were rejected, nor did they ever notice my of the issue during or after the application process.
Company Response: Closed with explanation
2018-12-20
Oxford, GA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Trouble getting information about the card
Complaint: No category you provided covers my experience with AMEX Bluebird card. I received an email from them with no explanation other than the following. Earlier they tried to remove auto withdrawal that I had set up TWICE and told me to dispute the second one which I did. Now my account is closed and they are refusing to communicate about it or give any explanation. I believe they are doing this to others as well and need to be investigated. I have no way to see what has happened. I had not used the card recently. They refuse to communicate over the phone. I didn't do anything.
Here is the email I received : During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.
As a result of such activity, and
pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. If you have any questions or would like to inquire further, you may write to
us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX
Company Response: Closed with explanation
2018-12-20
Manhattan, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2018-12-20
MO
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Charged for a purchase or transfer you did not make with the card
Complaint: I have an American Express Serve card and on XXXX there were several fraudulent charges. I filed a police report on XX/XX/2018 when I was discharged from the hospital, I have done everything on my end including filing police report number is XXXX XXXX Ive been working with your customer care department regarding Fraudulent charges and the stolen card. I was told yesterday by your customer care department, being the 10th business day I would have a provisional credit on my account and the fraud charges would be credited to my account and two hours later it was declined by your fraud department. Your customer care department stated the merchants said that was me who made these charges when in FACT IT WAS NOT ME WHO MADE THESE CHARGES. Clearly the signatures would not match.
I went to the hospital on Wednesday XXXX XXXX. I was in the hospital incapacitated I was not able to leave the hospital room due to a XXXX XXXX. I have witnesses that the card was taken while I was sleeping. The {$250.00} was my money and was not me who incurred these charges. These charges were NOT made by myself or authorized by me.
I want an explanation as to why these merchants stated it was myself who actually made these charges. Now my family WILL NOT have a XXXX because I have not been able to work and the money I was going to use for XXXX was stolen and with no help from American Express. I spent 2 hours on the phone yesterday with American Express asking for an explanation and begging them to credit back this money. I asked for the dispute to be reopened because it is obvious the investigation was not followed through.
I am very disappointed and upset how my fraud claim was handled and this is absolutely unacceptable. I am to keep stress like this out of my life and you have added to it. If I do not get a response, I will be filing suit against American Express for a significant amount that will be more than $ XXXX.This is an absolute disgrace.
I was told I would have a Provisionary credit at XXXX XXXX on Wednesday, XX/XX/XXXX to find out at XXXX XXXX Wednesday, XX/XX/XXXX that the fraud claim was declined I am not accepting these merchants to say that these charges were incurred by me when they were NOT and I was laying in a hospital bed. I have done everything on my end I am working with XXXX XXXX Missouri Police Department and now in the hands of the detective will be receiving all the videos to prove that this was not me your customer care department said that there was an investigation was closed and this is not going to be excepted I want the credit back to my account IMMEDIATELY of {$250.00}.
XX/XX/2018 - {$100.00} XXXX XXXX ON XXXX XXXX XXXX XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$40.00} XXXX XXXX ON XXXX XXXX XXXX XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$1.00} XXXX XXXX & XXXX XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$44.00} XXXX XXXX XXXX XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$8.00} XXXX XXXX XXXX & XXXX XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$1.00} XXXX XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$9.00} XXXX XXXX THIS WAS AN APP XXXX XXXX DOWNLOADED TO HIS PHONE XXXX CONFIRMATION NUMBER : XXXX XX/XX/2018 - {$8.00} XXXX XXXX XXXX & XXXX CONFIRMATION NUMBER : XXXX
Company Response: Closed with monetary relief
2018-12-19
Nyc, NY
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: I have received a targeted offer from American Express to open a card and spend {$5000.00} and receive XXXX bonus points ( I have a print screen ) I have applied for the card, was approved.
Once I did the required spent XXXX did not want to grant me with the XXXX points they said that in the terms and conditions they had a notice that previous card holders are not eligible. This was not noted on the offer page ( as you can see ) and you had to click on the whole terms and conditions to discover, this is clearly misleading intentinally.
Also, I did not get any warning that I will not qualify for the offer, moreover, I was targeted for the offer.
Company Response: Closed with explanation
2018-12-19
Austin, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with non-monetary relief
2018-12-19
Austin, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: XX/XX/2017 American Express sent me a letter stating they were closing my account. This letter was sent weeks after my account had already been closed, account restricted and reward points confiscated. Despite all this, I still had several billing errors under investigation prior to and after the improper closing of my account. Ignoring the fact American Express closed my accounts based off information they were made aware of several times was the result of identity theft, the accounts were still closed despite billing disputes still being active. With the accounts closed American Express began demanding immediate payment despite the remaining balance being due to billing errors which were under dispute. According to 1666. Correction of billing errors prohibits a creditor from attempting to collect a debt under dispute, including sending billing statements unless the account has been closed. The statute further continues to state " Restricting or closing by a creditor of account regarded by obligor as containing a billing error. Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. '' Yet, American Express vioalted this law and closed my account prior to providing any notice or fully investigating the billing disputes.
Company Response: Closed with explanation
2018-12-19
Wallington, NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: i tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX points to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
Company Response: Closed with non-monetary relief
2018-12-19
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with explanation
2018-12-19
Covington, GA
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2018-12-19
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-12-18
Key Biscayne, FL
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: I received a promotional offer for the American Express XXXX XXXX card. After the statement closed, it showed I had earned XXXX XXXX points. I waited and waited for the points to post, and they never did. I contacted customer service on a daily basis and nobody could give me a straight answer. They seemed clueless. I want my earned XXXX points to be transferred to my XXXX account immediately as advertised. This constitutes false advertisement by American Express and it is a practice that if continued, would be exposed as much as possible on social media and with their executives so that as many people as possible are aware of your deceptive tactics.
Company Response: Closed with explanation
2018-12-18
De Forest, WI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with explanation
2018-12-18
Sandy Hook, CT
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: On XXXX XXXX I applied and was approved for an American Express Delta Gold card through a link that offered XXXX reward points if I spent {$1000.00} within 3 months. I spent {$1000.00} within the first 3 weeks and have been waiting for a few weeks to have the bonus points loaded to my Delta account. Today I called Amex to see why there was a delay they said there is no bonus listed on my account and the gentleman I spoke with said hed file a report. The issue is Ive already been waiting a while and need to book a specific flight and he told me the team that investigates take 6-8 weeks.
Company Response: Closed with explanation
2018-12-18
Bronx, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with non-monetary relief
2018-12-18
Bronx, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with non-monetary relief
2018-12-18
Seattle, WA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: I checked my pre-qualified offers on Amex website and got a offer for Amex Gold Card with XXXX rewards points welcome bonus if I spend over {$2000.00} with the card in the first 3 months. I applied for the card after seeing the offer on XX/XX/XXXX, and received the physical card on XX/XX/XXXX. Since I couldn't find information about the welcome bonus on the paperwork and in their app, I contacted customer service to confirm, and was told that my welcome bonus will only be XXXX. I had been transferred to different departments and talked with XXXX different customer service representatives, each of whom gave me a different reason as to why I didn't get the XXXX offer that I saw at time of application. The first CSR told me there wasn't a XXXX offer when I applied, and asked me to provide a screenshot of the offer at application ( which I don't have unfortunately ) ; the second person told me I had an old corporate card that was closed ( which was for one-time use during interview with a company, in order to cover travel expenses ), and therefore my bonus was lowered from XXXX to XXXX ; the third person told me that the bonus offer may change between when I hit the apply button and when the application gets processed. Three people gave totally different reasons, none of which makes sense. I am very disappointed at the lack of transparency and poor customer service.
Company Response: Closed with explanation
2018-12-18
Lancaster, PA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: I received an offer for the American Express Gold Card. XXXX points after {$2000.00} in spending. I applied through the offer link and was approved for the card. Once I'd met the minimum spend requirement, I reached out to AMEX who told me I no longer qualified for the offer. Throughout the application process, the offer was valid and I was nowhere notified the offer did not apply to me so I applied in good faith.
Company Response: Closed with explanation
2018-12-18
Miami, FL
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Company Response: Closed with explanation
2018-12-18
NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: In XX/XX/XXXX i submitted an SCRA request form to American Express for them to reduce my interest rate on my Amex Everyday Card to 6 % or below. A few weeks later they approved it and said they would be reducing my interest rate and issuing me a refund for the overcharges. Nothing happened so in XX/XX/XXXX I submitted it again and they told me the same thing after a few weeks. I've been calling American Express consistently and they keep telling me that " by next month the changes will be reflected on your account and you will be issued a refund for the overcharges ''. I have continued to use the card expecting that the interest rate will decrease and i will be issued a refund otherwise I wouldn't have carried a balance on a card with a 19.99APR rate. American Express ie legally obligated to reduce interest rates for military personnel and yet they passively refuse to.
Company Response: Closed with explanation
2018-12-18
Fairfield, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation