AMERICAN EXPRESS COMPANY

2018-12-05

Carrollton, GA

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

Timely Response

2018-12-05

Cold Spring, MA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2018-12-05

Newnan, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I contacted American Express explaining to them that the American Express card listed on my credit report belonged to my company, not me. They informed me that it had been listed as a write off and turned over to a collection agency. They said there was nothing they could do. My company has been making payments each month for the past 6-7 months to the collection agency. The card was issued to XXXX XXXX XXXX with my name under the company XXXX XXXX XXXX XXXX. They said because when the application was made, I had to list my personal information, name, social security number that I was responsible for the account. The statement came to the company address each month with the company name. I will attach copies of them to this. They have refused to take the report off of my personal credit report and charge it off to the company. My wife and I are attempting to purchase a house and this is killing my credit.
Company Response: Closed with explanation

Timely Response

2018-12-05

Key Biscayne, FL

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'm an American Express Platinum member and I'm unable to use my Membership Rewards points. I contacted American Express and nobody was able to tell me why I couldn't use my points and when the issue would be resolved. I find it unacceptable I have to waste my time to file a complaint so I can use my points. Please let me know if the issue will be resolved so that I know whether to cancel my accounts before the anual fees are due.
Company Response: Closed with explanation

Timely Response

2018-12-05

NY

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: American Express abruptly locked all my accounts without notice. Leading to a major stall with my business. This has caused major inconvenience to the business and altered daily workflow. American Express notified me that they required personal tax documentations. All charges on my cards were legitimate purchases made personally on my charge and business transactions on my business cards. I did not violate any terms or conditions and deem this process unnecessary. I have been a loyal customer since 2016. I recently paid {$95.00} annual fees on 2 separate accounts and have a {$450.00} annual fee posting this month. I paid for annual fees and do not have the ability to use my accounts. Every statement was always paid in full and on time every month. American Express is penalizing a loyal customer for no reason provided. They mentioned an increase in Spend but I have spent more than my current balances in the past and paid in full with statement closing. With holiday season they should not be penalizing for an increase in Spend. American Express has also already requested personal bank statements earlier this year because a college tuition bill was charged on my card. I do not believe American Express has the authority to lock and keep requesting documents from me, especially after just paying for annual fees to use their cards. No terms or conditions where never breached. Most of the business charges came from XXXX, XXXX XXXX, and XXXX.
Company Response: Closed with explanation

Timely Response

2018-12-05

AZ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: On or about XX/XX/2018 we received a statement from XXXX/American Express Indicating a fee of {$95.00} for the following year. My wife asked to cancel the card and they said only the primary card holder ( me ) can cancel. She asked how long do we have and they said up to the closing date. I called on XX/XX/XXXX and asked to cancel and they closed it and since I had a credit due I don't have to pay anything. I few weeks latter I received another statement saying I owed approx {$83.00} ( {$95.00} less credit ). I called American Express and the agent told me it takes a few weeks for it to be processed. I called back a few more times with the same response. In early XX/XX/XXXX I called and the agent discussed it with her supervisor and said there is a problem and he resolved it. On XX/XX/XXXX I received another late notice and called American Express again. After long delay the agent said she spoke to the supervisor and he will call me within 24 hours to finalize the process. XX/XX/XXXX, after not hearing from them I called again. This time she said the supervisor called on XX/XX/XXXX and was transferred to voice mail and could not leave a message. My online records show no calls for that day that were unanswered The agent could not contact the supervisor but said he will soon call me back. I verified the number with her. I have yet to receive a call.
Company Response: Closed with monetary relief

Timely Response

2018-12-04

Birmingham, AL

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

Timely Response

2018-12-04

Lake Bridgeport, TX

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Closed with explanation

Timely Response

2018-12-04

Monmouth Park, NJ

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

Timely Response

2018-12-04

Las Vegas, NV

Trouble using the card

Credit card or prepaid card: Payroll card

Trouble using the card to spend money in a store or online
Company Response: Closed with explanation

Timely Response

2018-12-04

South Florida, FL

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: I open an account with american express but for some reason they decided to end the relationship and now they are holding on to my funds and don't want to return it nor refund it.american express national bank is holding my funds HOSTAGE and won't release the funds nor return the funds. I have contact them by phone and by mail and still no response.Please help me with this situation.
Company Response: Closed with explanation

Timely Response

2018-12-04

Atl, GA

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

Timely Response

2018-12-04

Blairsville, PA

Problem with customer service

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Company Response: Closed with explanation

Timely Response

2018-12-04

Antelope, CA

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with a check written from your prepaid card account
Company Response: Closed with monetary relief

Timely Response

2018-12-04

Smoke Rise, GA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-12-04

WA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: I called to cancel my American Express Delta miles card. I talked to XXXX from XXXX Florida. I asked her to close my account and she responded by telling me that if I close my account they would take back any bonus miles that I received as a promotion. When I asked what would happen if I used the miles already and didnt have any left. She informed me that they would charge me for any bonus miles that were given to me as a promotion. This was false and miss leading information, and I told her that I want to see that policy in writing. She said that it was not in writing and that it was at the discretion of managers to make this kind of decision. I believe she was using a fear tactic to keep me from closing my card. Had I not known more information credit card companies or been less confident, I might have been afraid to close my card. I asked her to Close my card and transfer me to a manager, where I left a message on the voicemail. I have not heard back from American Express about this misleading practice.
Company Response: Closed with explanation

Timely Response

2018-12-04

Pinellas Park, FL

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX at XXXX and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers XXXX has contacted me from : ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX and ( XXXX ) XXXX-XXXX. XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-12-04

Arcadia, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-12-03

Discovery Bay, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Have received 28 calls from callers identifying as American Express from XX/XX/XXXX-XX/XX/XXXX. The 28 calls are from 12 different numbers with CIDs " American Express '' and AMERICANEXPRES '' as well as " Private Caller '' and " Out of area ''. Only one of theses calls actually left a recorded message ; CID " TOLL FREE CALL '' XXXX on XX/XX/2018 at XXXX ; " This is American Express ..., this is not a telemarketing, ... talk to you about an important matter, call back on XXXX, M-F XXXX, Sat XXXX, Sun XXXX ''. Never any mention of who was being called or what the important matter was. I am not an American Express cardholder so I called the official website Customer Service number at XXXX on seven ( 7 ) different times ; XX/XX/2018 ( talked to XXXX in XXXX ), XX/XX/2018 ( talked to XXXX and XXXX in XXXX XXXX ), XX/XX/2018 ( talked to XXXX in XXXX and XXXX in XXXX on the " Credit Team '' ), XX/XX/2018 again ( talked to XXXX and XXXX in XXXX ), XX/XX/2018 ( talked to XXXX in XXXX FL ), XX/XX/2018 ( talked to XXXX in XXXX ), and XX/XX/2018 ( talked to XXXX and XXXX in Security/ID Fraud in XXXX ). Each time the Customer Service Rep assured me that ( 1 ) I was not an American Express cardholder ( no active card ), ( 2 ) no one was attempting to open a card in my name, and ( 3 ) there were no late or delinquent payments notices. I requested that since I was not an American Express cardholder they should remove my number from any lists in American Express, marketing or otherwise. That request has not been granted. We are all warned ( even from the Federal Government ) not to answer calls if we do not know who they are from and/or not to give out personal information to strangers calling ( possible scammers or crooks ). We are instructed to call the number on the back of the card. However, if we don't have a card then the only legitimate number is one listed for Customer Service on the company website. That is what I did but have not received a satisfactory resolution to my complaint from American Express. More details included with attachment to this complaint.
Company Response: Closed with explanation

Timely Response

2018-12-03

CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. AmEx told us they would investigate. Way, way later, in XX/XX/XXXX, we learned that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. We asked them to re-open the dispute, which they did in XX/XX/XXXX. They have now closed our dispute again, saying, " contact the merchant yourself. This was too long ago for us to deal with. ''
Company Response: Closed with explanation

Timely Response

2018-12-03

Island Trees, 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
Company Response: Closed with explanation

Timely Response

2018-12-03

Euclid, OH

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Complaint: I have an American Express issued XXXX prepaid XXXX for three years. In XX/XX/2018, this credit card was cancelled and I suppose to receive a check of more than {$150.00} for my existing balance, which I did not. I have contact them more the 10 times using the customer service number at the back of the card ( XXXX ). At the early contacts, I was nicely told that the check is on the way, and just be patient to wait one or two weeks. after 3 or 4 contacts, my phone call was transferred to a so called " technique support '' department ( I am not sure whether it is real or not ). I have contacted two people in that department, one call himself XXXX and the other is XXXX who is also claim himself the manager of the " technique support '' when I wanted to speak to his manager. And again another one month wait for nothing. To my understanding, American Express is a big company with reputations, and that's the reason I keep contact them for several months before file the complain.
Company Response: Closed with monetary relief

Timely Response

2018-12-02

Muncy Creek, PA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-12-02

Gloucester City, NJ

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-12-02

Phoenix, AZ

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: Application # XXXX, I believe was denied because of my XXXX preference, I am married to another man. Also, i believe that I am being discriminated against because my application was denied due to the fact that I am permanently XXXX and receive XXXX XXXX retirements from the Federal government.
Company Response: Closed with explanation

Timely Response