AMERICAN EXPRESS COMPANY

2018-10-19

Omaha, NE

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-10-18

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-10-18

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with direct deposit
Company Response: Closed with monetary relief

Timely Response

2018-10-18

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response

2018-10-18

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Tampa, FL

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

2018-10-18

Sacramento, CA

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
Company Response: Closed with non-monetary relief

Timely Response

2018-10-18

Tampa, FL

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

2018-10-18

Foothill Ranch, CA

Fees or interest

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

Charged too much interest
Complaint: My American Express credit card that I had since XX/XX/XXXX offered a pay-over-time option at an interest rate of 16.99 %. After I had a significant balance on the pay-over-time in XX/XX/XXXX I made a late payment on my account by one day. They increased the APR on the pay-over-time to 29.99 %. My card-member agreement states that they are allowed to do that for 6 months and the APR should go back to the regular APR if I make timely payments for 6 months. However, they have been charging me the penalty APR for more than 2 years until I called in XX/XX/XXXX. The day that I called, I logged into my account and it clearly said " Current APR 16.99 % '' on the Pay Over Time page, however based on the calculation of the interest amount they were charging me, I realized they were using the penalty APR of 29.99 %. I called right away and the person apologized and changed the APR to 16.99 % and said she was surprised that the penalty APR was applied for over two years. She wrote up the case to get a revision on the interest charges I had paid. However, it has now been more than two months and despite me calling four more times, I have gotten nothing except a refund of two late fees for payments that were not made late, but were charged to me. However, no refund on the interest overpayment. They keep asking me to give them a chance to resolve this, however there has been no resolution. Thank you for anything you can do to assist the resolution.
Company Response: Closed with monetary relief

Timely Response

2018-10-18

KS

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: I used a prepaid American Express card called Bluebird on XX/XX/2018 to pay for a deposit on a rental car while my insurance company paid for the actual rental. My account with XXXX XXXX XXXX was closed 5 days later when the car was returned without damage on XX/XX/2018. I contacted both XXXX and Bluebird a week later when the hold of {$57.00} was not released. I was told by a Bluebird customer service rep that XXXX needed to have their merchant service provider perform a manual release so they could remove the hold. I did that twice. XXXX stated today that their policy is to hold the funds for 30 days, always. They said although the merchant service provider may issue a manual release, the Bluebird system does not recognize it and will always hold the funds for 30 days. I believe they are fraudulently refusing to let their system accept a manual release in order to collect interest on the money of millions of customers for 30 days regardless if they funds have been released by the merchant. They stated their contract allows them to do this. I believe this contract is fraudulent and wrongfully allows them to withhold funds from cardholders. I have spoken with at least 7-8 customer service reps and their supervisors, each with a different story. Two-three said the funds will be released in the XXXX and the last person I spoke to today says the XXXX. Regardless of the date, the whole process is wrong. They do not accept any automatic or manual release of the hold on the card if used for a car rental.
Company Response: Closed with explanation

Timely Response

2018-10-18

Genoa, WV

Trouble using the card

Credit card or prepaid card: Payroll card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response

2018-10-18

Columbia, MD

Trouble using the card

Credit card or prepaid card: Payroll card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response

2018-10-18

Baychester, NY

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
Company Response: Closed with monetary relief

Timely Response

2018-10-18

Birmingham, AL

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with direct deposit
Company Response: Closed with monetary relief

Timely Response

2018-10-18

Roseboro, NC

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response

2018-10-18

Barnwell, SC

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response