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 130
2018-10-21
Fort Worth, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: XX/XX/2018/Cert. Mail delivery date-XX/XX/2018, XX/XX/XXXX, XXXX/Cert. Mail delivery date-XX/XX/2018, XX/XX/2018/Cert. Mail delivery date-XX/XX/2018 and XX/XX/2018/Cert. Mail delivery date-XX/XX/2018. I've sent numerous letter ( s ) to XXXX XXXX to have this account " investigated '' because I have no knowledge of this account that's why I've been requesting competent evidence bearing my signature, showing that I have or even had some contractual obligation to pay {$12000.00}. I've also notified xxxxxxxx xxxxxxx in my letters that their wilful non-compliance to follow Federal and local State laws dependent upon their response ( s ), that I may be detailing any potential issues that I see fit regarding their response to my request ( s ) will be used to file a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office and XXXX XXXX XXXX, via sent certified mail. Thus far, I have received ( 6 ) responses from xxxxxxxx xxxxxxx and none of their response ( s ) have any documentation bearing my signature to establish that I have any contractual obligation with this company for them to be trying to collect any monies they say I owe them or to be providing unverifiable and incomplete information to XXXX, for it's reporting purposes.The furnisher is providing unverifiable and incomplete information to me and to the credit bureau with bare bone jargon and itemize statements which are insufficient and not validation. This information is being reported as being verified information and this is clearly not validation but a clear violation on both parties of the law, of the furnisher and the credit bureau ( XXXX ) of the FCRA & FDCPA and local state laws. I request to have this issue investigated and if it's determined that federal and state laws has been broken i request that this account be immediately removed from my credit profile with the credit bureau ( XXXX ).
Company Response: Closed with explanation
2018-10-21
Discovery Bay, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: This complaint is against American Express credit card ending in XXXX under the name of XXXX XXXX.
Some of the charges are unknown and unauthorized and some additional fees have been imposed on them too. I tried to resolve the issue but the call is usually disconnected after long holds and various transfers. Id really appreciate if u could help me resolve this issue.
Theres a transaction of {$100.00} on XX/XX/XXXX is which is completely unauthorized. I dont know how and why it was posted.
Another unauthorized transaction of {$440.00} was posted on XX/XX/XXXX under the name of XXXX.
Since I paid my XXXX tuition fee a number of times, it seems that I was mistakenly charged a {$75.00} on XX/XX/XXXX.
On top of that, I have been charged a late fee of {$27.00} on XX/XX/XXXX and interest charges of {$2.00} and {$86.00} on XX/XX/XXXX and XX/XX/XXXX respectively.
Id be extremely grateful if u could help me waive off these above mentioned charges and resolve the issue.
Thank you.
Company Response: Closed with explanation
2018-10-21
Rialto, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-10-20
Washington, DC
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 have recently moved out of the US for good. As such I am closing most of my credit cards that I haven't used for a while and those that don't have any balances pending.
As part of this I also closed an XXXX Amex Gold Card (XX/XX/XXXX18 ). I mentioned the reason for card closure to the agent as well.
Unfortunately American Express claw-backed XXXX MR points that I had received as welcome bonus claiming that I was trying to game the system! I tried reinstating the card as well but Amex wont allow me to do that too.
I have been a loyal Amex customer for almost 2 years in the US and prior to that for 7 years in XXXX and XXXX. I have never tried anything that goes against the ToC. It is simply unfortunate that that I had to close one card within 6 months of opening!
All I am asking is that the points to be reinstated as a goodwill measure.
Company Response: Closed with explanation
2018-10-20
Oakland, CA
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
2018-10-20
Arlington, VA
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 non-monetary relief
2018-10-19
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Company Response: Closed with monetary relief
2018-10-19
Ewa Beach, HI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: We had an account with American express and was in a good relationship with them, however, as of XX/XX/18 monthly minimum payment has increases from $ XXXX-XXXX a month to almost {$300.00} and this after a request to inquiry in why monthly payment was so high and to adjust or correct.
I have gotten no response and would like to inquiry.
Company Response: Closed with explanation
2018-10-19
Byrnes Mill, MO
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Company Response: Closed with monetary relief
2018-10-19
Phila, PA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Company Response: Closed with explanation
2018-10-19
Sioux Falls, SD
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-10-19
Columbia, MO
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 non-monetary relief
2018-10-19
Oxford, GA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from American Express on XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Company Response: Closed with non-monetary relief
2018-10-19
Brooklyn, NY
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Company Response: Closed with monetary relief
2018-10-19
Garden City, GA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Company Response: Closed with monetary relief
2018-10-19
Ottawa Hills, OH
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2018-10-19
IL
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
Complaint: Fraudulent accounts opened American Express opened on XX/XX/XXXX in amount of {$34000.00} American Express opened on XX/XX/XXXX in amount of {$2000.00} XXXX DBA Mr XXXX opened on XX/XX/XXXX has a {$0.00} balance.
XXXX Bank opened on XX/XX/XXXX has a {$0.00} balance.
Company Response: Closed with explanation
2018-10-19
Manhattan, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-10-19
Boulevard, NY
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Company Response: Closed with monetary relief
2018-10-19
Clay, PA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: Please refer to the chat log below. I just want to point out that I don't appreciate being lied to about the names of representatives I speak to at American Express. If lies can be made for something as simple as a name, then that really says a lot.
I will also be posting this on the XXXX forum so people know that who they are speaking to are falsely representing themselves by giving a false name AND LYING ABOUT IT IN THE PROCESS. American Express endorsing this kind of act is absolutely abhorrent.
XX/XX/XXXX XXXXXXXX XXXX Hi, please tell me in a few words how I can help you.
Virtual Assistant - XX/XX/XXXX XXXXXXXX XXXX rep You - XX/XX/XXXX XXXXXXXX XXXX XXXX has joined the conversation Hi XXXX. How can I help you today?
XXXX - XX/XX/XXXX XXXX XXXX Hello. Please provide your real name in order to continue assisting.
You - XX/XX/XXXX XXXXXXXX XXXX This is my real name -XXXX XXXX - XX/XX/XXXX XXXX XXXX That's your label name for this chat. It is not your real name.
You - XX/XX/XXXX XXXX XXXX In order to continue, we will need your real first name. Thank You. ' You - XX/XX/XXXX XXXX XXXX I go by XXXX only. XXXX is my real name.
XXXX - XX/XX/XXXX XXXXXXXX XXXX Please tell us your real name.
You - XX/XX/XXXX XXXX XXXX I'm sorry but my real name is XXXX.
XXXX - XX/XX/XXXX XXXX XXXX I'm sorry but In order to continue, you will need to provide your real name.
You - XX/XX/XXXX XXXX XXXX My real name is XXXX, that's my real name. Let me know if you have any more question in mind, I'd be happy to help.
XXXX - XX/XX/XXXX XXXX XXXX If you wish to proceed, your real identity will need to be provided and not a fake name. Please let us know how we can help.
You - XX/XX/XXXX XXXX XXXX I'm sorry but I already provided you my real name and that's what I go by.
XXXX - XX/XX/XXXX XXXX XXXX I'm sorry but only real names are accepted and what you provided is not correct.
You - XX/XX/XXXX XXXX XXXX XXXX, XXXX is my real name and there's no other name I go by. Hence I can only tell that its my real name - XXXX XXXX - XX/XX/XXXX XXXX XXXX I'm sorry, but only real names are accepted in order to continue.
You - XX/XX/XXXX XXXX XXXX That is my real name.
XXXX - XX/XX/XXXX XXXXXXXX XXXX That is a fake name.
You - XX/XX/XXXX XXXX XXXX Sorry if you feel that way but I have given you real name since the begining.
XXXX - XX/XX/XXXX XXXX XXXX beginning * XXXX - XX/XX/XXXX XXXX XXXX I'm sorry, but that is not true. That is not a real name.
You - XX/XX/XXXX XXXX XXXX Please provide us with your real name so we can continue. If you have any questions or concerns, please let us know while you decide whether you're going to give your real name or not.
You - XX/XX/XXXX XXXX XXXX XXXX, XXXX is my real name. There is no other name I use on chats.
Please tell me what exactly need help with so I can assist you further.
XXXX - XX/XX/XXXX XXXX XXXX Sorry, but in order to continue, we'll need a real name.
You - XX/XX/XXXX XXXX XXXX Sorry but there's no other real name. This is the only and real name as mentioned already.
XXXX - XX/XX/XXXX XXXX XXXX Sorry but you haven't given any real name. XXXX is not your real name. We'll need a real name in order to continue.
You - XX/XX/XXXX XXXX XXXX I'm sorry but XXXX is my real name.
XXXX - XX/XX/XXXX XXXX XXXX I'm sorry but XXXX is not your real name.
You - XX/XX/XXXX XXXX XXXX If you want you may call us at XXXX and discuss your concern.
XXXX - XX/XX/XXXX XXXX XXXX I would like you to answer some questions, but in order for us to continue, we'll need a real name.
You - XX/XX/XXXX XXXX XXXX Well, to answer your questions I have already given you my name. Please feel free to ask any questions you have.
XXXX - XX/XX/XXXX XXXX XXXX Unfortunately, that is a fake name. We'll need a real name.
You - XX/XX/XXXX XXXXXXXX XXXX Real name is XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX Your fake name is XXXX. Your real name is not XXXX but something else. Please provide it.
You - XX/XX/XXXX XXXX XXXX Please provide a real name so we can continue.
You - XX/XX/XXXX XXXX XXXX XXXX, I have already shared the name with you. And I see you have been contacting us from the last several days.
XXXX - XX/XX/XXXX XXXX XXXX Please provide a real name so we can continue the discussion.
You - XX/XX/XXXX XXXX XXXX I see that I've had you on chat here in the last few months but your name was something else then. Please provide a real name so I know who to really address you as.
You - XX/XX/XXXX XXXX XXXX Okay, the real name is XXXX XXXX. However, even the Chat name that I share with you will help us locate the chat conversation anytime you contact us also, I can share the chat id if you you need it for your reference.
XXXX - XX/XX/XXXX XXXX XXXX Here 's the chat id : XXXX XXXX - XX/XX/XXXX XXXX XXXX Now, please let me know how can I help you?
XXXX - XX/XX/XXXX XXXX XXXX Why'd you lie to me?
You - XX/XX/XXXX XXXX XXXX You couldn't provide your real name? How do you expect your cardmembers to trust you if you can't even give your real name?
You - XX/XX/XXXX XXXX XXXX Do you know much this disgusts me and every other person I represent?
You - XX/XX/XXXX XXXX XXXX You stuck by the fact that your name was XXXX for how many minutes until you got annoyed with me asking for your real name. That tells me that all of you have fake names.
You - XX/XX/XXXX XXXX XXXX I can understand, however we use alias on the account and here to help you with the best with your account.
XXXX - XX/XX/XXXX XXXX XXXX What if I told you this wasn't XXXX talking to you right now.
You - XX/XX/XXXX XXXX XXXX Okay XXXX - XX/XX/XXXX XXXX XXXX But someone within American Express monitoring this conversation to make sure you all are following the customer service etiquette.
You - XX/XX/XXXX XXXX XXXX When you use an alias, that doesn't help the cardmembers.
You - XX/XX/XXXX XXXX XXXX XXXX, how we have been discussing name since the beginning is what we are authorized to do.
XXXX - XX/XX/XXXX XXXX XXXX Would you mind elaborating how name doesn't help the cardmember?
XXXX - XX/XX/XXXX XXXX XXXX I'm going to post this entire chat on forums online so every cardmember is aware that they're talking to people who aren't who they SAY THEY ARE.
You - XX/XX/XXXX XXXX XXXX You can bet that will ignite a scandal within your organization.
You - XX/XX/XXXX XXXX XXXX People don't like being lied to about anything. What you did is unforgiveable.
You - XX/XX/XXXX XXXX XXXX I am afraid, we are here to help you and I will try my best if you can help me with the reason.
XXXX - XX/XX/XXXX XXXX XXXX Well, i'm exploiting this.
You - XX/XX/XXXX XXXX XXXX You have been a valued card member with us since XXXX and I will try my best to help you if you can elaborate the question.
XXXX - XX/XX/XXXX XXXX XXXX You do not tell me your " XXXX '' over 10 times and then say that really isn't your real name. How could you possibly think I'd trust what you're saying after you lie only once. Once a liar, always a liar.
You - XX/XX/XXXX XXXX XXXX The CFPB would be very interested in this conversation as well.
You - XX/XX/XXXX XXXX XXXX I do understand and if you want I can transfer this chat to my supervisor for further assistance.
XXXX - XX/XX/XXXX XXXX XXXX Shall I?
XXXX - XX/XX/XXXX XXXX XXXX This is the kind of corruption that Donald Trump is trying to rid the world of.
You - XX/XX/XXXX XXXX XXXX I can transfer this chat to my supervisor for further discussion. Shall I?
XXXX - XX/XX/XXXX XXXX XXXX It's not necessary. Your supervisor will get an earfull once this conversation goes viral.
You - XX/XX/XXXX XXXX XXXX I have to thank you for blowing the lid on this though.
You - XX/XX/XXXX XXXX XXXX You almost had me going that your name was XXXX.
You - XX/XX/XXXX XXXX XXXX Now I truly know you're all A BUNCH OF ROTTEN LIARS.
You - XX/XX/XXXX XXXX XXXX XXXX, that's what we go by chats and card members are contacting us to have discuss their account related concerns knowing they are contacting American Express.
XXXX - XX/XX/XXXX XXXX XXXX Yes, well why would I call you by a name that doesn't belong to you?
You - XX/XX/XXXX XXXX XXXX That doesn't make sense You - XX/XX/XXXX XXXX XXXX That's honestly sick.
You - XX/XX/XXXX XXXX XXXX I can understand that and I am really sorry for the inconvenience. I'd request you to please help me with a request and I will check what can be done here.
XXXX - XX/XX/XXXX XXXX XXXX Taking American names and passing them off as your own is disgusting.
You - XX/XX/XXXX XXXX XXXX Wouldn't you rather be called by your real first name anyway?
You - XX/XX/XXXX XXXX XXXX I do thank you for your time.
You - XX/XX/XXXX XXXX XXXX
Company Response: Closed with explanation
2018-10-19
Ernul, NC
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have spoken to both American Express ( American Express Blue Preferred Card ), and XXXX XXXX XXXX XXXX. I processed a payment on XX/XX/18 through the AmEx mobile app. This payment should have been deducted from a XXXX XXXX XXXXXXXX XXXX XXXX XXXX account, however it was attempted to be deducted from a XXXX XXXX XXXX XXXX account. That account didn't have sufficient funds for the {$1500.00} payment, and returned with NSF charge of {$35.00}. American Express then attempted two ( 2 ) more times to deduct funds from this account WITHOUT my consent. Leading to two ( 2 ) additional NSF charges from XXXX XXXX. This led to a total of {$100.00} of NSF fees for one attempted payment. I attempted to contact XXXX XXXX about this, and they refused to refund me any charges, and after much complaint, they agreed to refund a single {$35.00} NSF charge. They told me that they would require a letter from American Express on letterhead from a supervisor or manager. I called American Express and spent 81 minutes ( 1 hour and 21 minutes! ) on the phone with them explaining my problem and attempting to get help, I was transferred and spoke to either seven ( 7 ) or eight ( 8 ) different representatives. Each time I was transferred, It became more difficult for them to hear me. I find this to be either a common issue when dealing with these institutions and the phones they use. This tactic essentially allowed them to disconnect my call as they could " no longer hear me '' I stated very clearly that a ) I needed a letter sent to XXXX XXXX XXXX XXXX, stating that I did not authorize these multiple charges, that it must be on letterhead, and that it must be signed by a manager or supervisor and b ) it could be faxed to XXXX at ( XXXX ) XXXX. One agent at AmEx was even kind enough to go onto a three-way call with XXXX to explain the situation, and was told that there is nothing they can do to help without the form.
American Express told me it was standard procedure to make multiple attempts to charge someone for an attempted payment. I explained clearly that I did NOT AUTHORIZE them to charge my account multiple times, and that if notified, I could have informed them they were charging the incorrect account, in fact, I turned around and made the charge on XX/XX/18 a second time, because it never appeared as deducted from my XXXX account and never showed as payed on the AmEx website.
Meanwhile XXXX XXXX is making {$100.00} off of NSF fees that I never authorized in the first place. I believe that these tactics by both institutions, to make things so difficult on consumers, by a ) requiring forms that no one seems to be able to produce and b ) transferring people so deep into a companies organization, creating massive amounts of time lost and making the call extremely difficult, by making it hard to hear, AND by making a consumer repeat there complaint 5+ times to various people along the way amounts to some form of organized theft of personal funds to increase profits.
Company Response: Closed with explanation
2018-10-19
Juneau, AK
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Company Response: Closed with explanation
2018-10-19
Bohemia, NY
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Card company isn't resolving a dispute about a purchase or transfer
Complaint: This incident happened XX/XX/18. I had transferred money on my American Express Serve account. Lost my card and was unable to access my money.
Company Response: Closed with explanation
2018-10-19
Henderson, NV
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2018-10-19
Moore, OK
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Company Response: Closed with explanation