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 246
2017-09-27
Navasota, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: Dear Sir/Madam, I 've met the sign-up purchasing two months ago, and yet my bonus XXXX XXXX points are still not in my account till now. I 've contacted AMEX a couple of times but the issue has n't been resolved.
Sincerely, XXXX XXXX
Company Response: Closed with explanation
2017-09-27
Rochester, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: Before the summer this year, I applied XXXX premier rewards gold card and got approved. I also applied authorized card for my wife and got approved. Since then, both my wife and I keep receiving the emails from XXXX, which requires more personal info from my wife because of this authorized card, such as birthday date, driver license, SSN/ITIN number, and passport number. On the first time we received the email, we called in immediately and provided all the necessary info that XXXX required. The representative told us all the info are recorded and we should not receive the email any more. However, XXXX repeated sending such emails to require the same info. We have to called in no less than 5 times to provide the same info again and again. Each time, the representative guaranteed this issue will not shown up again since they can see the full info we provided. In XXXX, we received one mail from XXXX, which notifying us that my wife 's card is closed since we did n't provide the required info, which we have provided many times. Thus, I called XXXX again to find out what on earth happened probably on XXXX XXXX XXXX. One representative listened the whole story, he said he does n't know what happened. What he can do is to re-apply an authorized card for my wife from my account. He mentioned about one spending offer for adding my wife into my account and ask permission to let him process my wife 's card. I agreed and was told that my wife is all set. The new authorized card will be mailed within 7-10 business days. On XXXX XXXX, I am so shocked and angry about the mail I received from XXXX. It says that my application ( ref # XXXX ) for the premier rewards gold card was denied. The reason for the decision is that my prior applications has been approved and my card has been sent to me. Thus I wo n't be approved the same type card twice. Since I never ask to apply the same card or a new account for myself, I am sure XXXX mistakenly apply a new account for me not for additional card for my wife. The whole thing of requesting an authorized card became a drama of applying an new account for me. However, the question is how dare XXXX can apply me a new account without my permission, even though it is true that XXXX get my only permission to apply authorized card for my wife. Now the result is that I had an unexpected hard inquiry because of the XXXX XXXX fault, which will affect my credit score that decides a lot of financial factors. In my understanding, without client 's permission to apply the new account is illegal and frauding. I called XXXX twice on XXXX XXXX XXXX. In the second call, one manager admitted it is XXXX XXXX system glitch to close my wife 's account previously. Thus he instated her card. As for mistakenly applying the new account for me, he do n't know what happened, he suggested me to file a claim via a mail to XXXX. But I decided to file a claim via CFPB since I could not confirm if XXXX will receive my complaints via the mail.
Company Response: Closed with non-monetary relief
2017-09-27
Aliso Viejo, 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
Company Response: Closed with explanation
2017-09-27
New Bedford, MA
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: On the XXXX of XXXX XXXX I was charged {$80.00} XXXX, and on the XXXX of XXXX I was charged {$50.00} by a franchisee of XXXX XXXX. The Franchisee is named XXXX XXXX. These are NOT all the transactions I have made with said franchisee, but these are the only two transactions with the franchisee that Bluebird by XXXX will allow me to dispute.
On or around the XXXX of XXXX the named franchisee went into my place of employment, broke into my locked toolbox and took back tools that had been paid off.
The reason said franchisee stated was " I have n't heard from you in months '' which is completely untrue and absolutely fabricated, as a {$50.00} payment was made just 7 days prior and I had seen the franchisee in person. I have since learned that this a tactic sometimes used so that the franchisee can essentially sell the same tool twice! I learned that the franchisee discretely sold a socket set that was taken from me to my very boss, whom I work with.
I have a paid attorney who has assisted me in filling out a " declaration of damages '' for filing in a local district court. These damages are being claimed against XXXX XXXX, but have not yet been filed, as I would rather have a determination from Bluebird to proceed, as this would substantially help my case against the franchisee. I am not by any means trying to gain here, I only want the money I work very hard for back.
I mention this because when I disputed the last two transactions made with the franchisee using XXXX XXXX XXXX, I alerted XXXX I was taking this franchisee to court. I was asked to prove this in a manner that made me feel as if i was lying, and making this story up, as if I have n't been victimized enough.
I have paid approximately {$400.00} US to this franchisee and am able to only dispute a total of {$130.00} with XXXX XXXX XXXX. I learned this morning the {$80.00} dispute was denied, and XXXX has thus far not only refused to give a reason why, but I was told over the phone on the XXXX of XXXX XXXX, that the dispute refund was GRANTED and I should see it in my account by today! ( The XXXX of XXXX XXXX ) I apologize if this seems long but this is something I have been dealing with for a couple of month 's and am now becoming rather agitated over. It may seem like a small sum of money, but as an auto technician, this is money hard earned.
I truly appreciate any help in regard to this matter.
Company Response: Closed with explanation
2017-09-27
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
2017-09-26
Somers Point, NJ
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: On XXXX XXXX, 2016 I was defrauded by XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, SC. A salesman made fraudulent claims regarding the deed I was purchasing. While in the sales office in XXXX XXXX the salesman had me apply for an American Express Hilton Honors Card which I was approved for. I was then convinced to charge as much money as possible on the card. Months later I had realized I had been defrauded when the timeshare was essentially useless, and did not fulfill a single promise made by the salesman. I hired an attorney to cancel the timeshare which has been finalized, but American Express has repeatedly denied my fraud claim for the initially charged down payment.
Company Response: Closed with explanation
2017-09-26
MA
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 finished the purchase requirement of American Express XXXX credit card. But I did not get the welcome offer for over several month.
Company Response: Closed with explanation
2017-09-26
Camarillo, 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
2017-09-26
Cooper, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2017-09-26
Cutler Bay, FL
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
2017-09-26
Garrett Park, MD
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I have held an American Express card for many years, and for many years have also been enrolled in their AutoPay program so that my monthly charges are paid in their entirety on time every month via a debit from my checking account.
In XXXX XXXX I first became aware that, shockingly, I was carrying, what had grown to be, a huge balance ( approx $ 40K ). I called XXXX to find out what was going on and was told that my account had been changed so that every charge over {$100.00} was moved to a 'pay over time ' account, which had been accruing interest ... and that this had been going on for over 1 year, since XXXX. Candidly, because of the auto pay feature I had not noticed this on the monthly bills b/c I would just eyeball them for charges to ensure there was nothing fraudulent, but never paid attention to the balance b/c I knew it was being paid in full every month. During that call ( in mid XXXX ), since the agent was unable to identify proof of how this change was made, I was told that XXXX would open an investigation into the matter, but that it would take up to a few weeks to get resolution, and that I would be contacted either by phone or in writing upon conclusion. And on that call I of course also instructed the agent to immediately stop the pay over time feature so that once again the autopay would pay my entire monthly bill.
After waiting over a month and not hearing back from XXXX, I called again to inquire about the investigation. I was told on that call by a manager that in fact there was no investigation and that they had just categorized my call as a 'complaint ' call and closed it out the same day I had made it. The manager offered her apology over this misrepresentation, but that was as far as it went. When I once again reviewed the situation with her, because the information about my previous call was in the record, she was insistent that I had made the account change to my account online, and therefore that I had authorized them to do this, but could give me no proof of this. Never was I sent an email or written correspondence that I had elected a change to my terms. However at one point she did mention something about my having gotten a new card at the time. After no less than 2 hours on the phone with XXXX that day ( approx 3 wks ago ), being on hold for most of that time, she first offered to credit me the equivalent of one month of interest ( approx {$550.00} ), but by the end of the call had told me she would credit me the equivalent of 2 months of interest, as a courtesy. And that credit would have to be against current charges, not actually against the formerly accrued interest. When I kept complaining still that I never authorized this change, she put the blame on me that I should have reviewed my bills more carefully. She offered to send me paper statements of when this change had occurred so that I could see it, and said that it would take a week or so to get those to me. Ironically that same afternoon I got a XXXX tracker alert that these statements were being over nighted to me and was supposed to receive the very next day. However w/the Florida hurricane it did end up being delayed and I received them last week.
Upon reviewing the two invoices, the first being XXXX XXXX and the second being XXXX XXXX, I do see on the XXXX invoice that the pay over time portion is identified on the right side. However the real distinction between these two months of invoices is that the account numbers are different. The XXXX invoice my card ended in XXXX and the XXXX invoice my card ended in XXXX. I had received a new card b/c my previous card had been compromised and they had to shut down that number and send me a new one. Nothing else should have changed, but clearly this was the trigger event that changed my billing terms. The fraud on my card had been identified and discussed w/XXXX by phone, so I never had gone online to report the fraud or do anything related to the change of the card. Therefore if XXXX had indeed recorded my phone call then they could have proof of whether I authorized any terms changes to my card. I do not know how if or for how long they keep recordings of phone calls, but they have never intimated that I authorized an agent over the phone to make this change with the new card issued, and of course I did not.
They are trying to hang their hat on the fact that I had not more carefully reviewed my previous bills, and the fact that I still received paper copies was sufficient that they were not at fault. But based on my longstanding previous history of Autopay and the fact that this change was only made as a result of receiving a new card, I do not accept that I am fully responsible for this issue. As such, I am more than willing to pay for my charges incurred during this time lapse, that built up over time and are substantial. However I am seeking a full credit from the interest charges associated w/these charges. As an aside, I had also even asked for help w/them freezing the continuing interest growing on this and working out a plan to pay this balance over a reasonable amount of time, but they would not agree to this either.
Company Response: Closed with monetary relief
2017-09-26
Kawaihae, HI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: I never agreed to change from paper statements to on line statements. I am not computer savvy. American Express made the change. I have called numerous times to change it back and each time assured it would be done and it was not done. On Saturday XX/XX/XXXX I called again. This time I was told my interest rate was in " penalty '' status since XX/XX/XXXX and the penalty is double my rate from 14 % to 28 %. I received no notice. Had I gotten my paper statement I would have known. The penalty was because 1-2 day late on occasion due to mailing as I am in Hawaii resulting in thousands of dollars over the 1 year period due to my balance that I thought was in a 14 % interest. I stayed on the phone two hours and was hung up on. On XX/XX/XXXX spoke to a supervisor who refused to give her name and told me I " case '' would be open someone will call me in 24 hours. XX/XX/XXXX I called back at XXXX and spoke to someone else who had no record of my call or a " case '' she put me on hold and said after I explained what I was told, oh only supervisors can see.. she then puts me in hold comes back and says 1 ) she has only the gender of the supervisor no name 2 ) someone will call me back in 24 hours. It is now XX/XX/XXXX I received no call or email except to tell me I can get statements " on line '' this email looks automated. I checked Amex website and found that any change in interest rate must occur after notice is given and that did not occur. Also that if I 'm late a late fee if {$27.00} is assessed not a doubling of my interest rate.
Please help me.
Company Response: Closed with non-monetary relief
2017-09-26
Chandler, AZ
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: For a long period of time, I have used my amex cards for general purposes. this included purchases of services and goods. Sometimes, it also included using such services as XXXX by XXXX and XXXX. Nobody ever contacted me suggesting me that such was wrong. In fact, both XXXX and XXXX allow for the use of Amex without any restrictions.
Of late, I made a number of XXXX transactions to pay employees of our company XXXX XXXXt XXXX. this was done without issue, and I often used Amex as my source. I did more of these transactions last week. On Sunday, with no notice, Amex cancelled my card. I called to find out what was happening and I spoke to a number of different reps. Before speaking to the main rep in charge, it was made clear to me that the reason for this was my use of XXXX, as amex said that it was prohibited under the Cardholder agreement. I looked at the Agreement, which I have included, and there is no such prohibition.
Today, I spoke to rep XXXX XXXX, id XXXX. She confirmed that the accounts were shut down because of my use of XXXX. She specifically stated that it was because I used it to XXXX on two transactions, one to XXXX XXXX and XXXX XXXX. XXXX is my daughter. She is also an employee, and any transactions made in favor of XXXX were in the context of her as an employee. I can provide absolute proof of her status upon request. With respect to XXXX, that was n't for business purposes. Rather, it was to facilitate a purchase that she was making.
After these items were explained to XXXX, she advised that I also had certain payments that were returned. That was correct ( and I actually advised her of this in advance ). They were from a business account, where someone failed to transfer money in a timely fashion. All of those items immediately cleared thereafter. After that was explained to XXXX, she advised that I had a couple of returned items on my blue card. I explained to her that I had attempted to change payment banks on that, and when the switch was made ( i no longer use the first account ) that issue went away. Then XXXX looked back to XXXX and said that part of the reason related to the return in XXXX. Amex already improperly cancelled me for this and I was reinstated, so it is far from good faith for them to raise the issue now.
I will note that when I spoke to a person last evening prior to speaking to XXXX, he was very clear as to the issue i.e. the XXXX and stated that he understood my position, which should result in the return of the card.
I circled back at the end of the call. XXXX reiterated that the reason and only reason that the card was cancelled was because of the XXXX use. With respect to XXXX, there is no basis at all for amex to even have an argument. With XXXX, before Amex goes about closing an account, maybe they should address the issue in their own contract documents. And maybe they could have made a courtesy call to me.
Company Response: Closed with explanation
2017-09-26
Lewisville, TX
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 XX/XX/XXXX, I got an email from American Express : Title : " Congratulations XXXX! Get Exciting New Benefits When You Upgrade to The Platinum Card '' Subject : " Dear XXXX, We appreciate your loyalty and your existing relationship with us as a Premier Rewards Gold Card from American Express Card Member. To make sure you get the most out of your Card Membership we wanted you to be among the first to hear about the exciting new benefits of The Platinum Card. These benefits are designed to bring you best-in-class service whether you are traveling or at home.
Explore just a few of the many ways to experience the exceptional travel perks and rich rewards when you upgrade to The Platinum Card. With an abundance of premium benefits and services, the {$550.00} annual fee quickly pays for itself.
XXXX Membership Rewards ( R ) Points ( 1 ) Earn XXXX Membership Rewards points after you spend {$5000.00} in purchases on The Platinum Card within the first three months of Card Membership. XXXX points can get you up to {$600.00} toward travel.
Get new privileges, possibilities and perks you deserve designed for your lifestyle. This offer expires XX/XX/XXXX. Upgrade now or call XXXX and mention POID : XXXX. '' So I chat with an Amex CSR asking about some fees when upgrading. After that, he asked me if he can upgra
de the card to Platinum through chat, I said Yes. There is no place in the email said that I will not get the rewards if I upgraded through CSR chat. Then I fulfill the spending requirement in 2 months.
After that, I checked again with Amex but they said they could not give me the rewards because I upgraded through chat. They escalated the case to marketing department with case number XXXX. A month after that, they came back and still stayed firm that I would n't get the rewards because I upgraded through chat!
I am very disappointed at how American Express handling this case. There is no place in the email stating that I should not apply through CSR chat. That is a very deceptive marketing tactic from Amex. Also, As Amex Platinum is a prestige card with annual fee of {$550.00}, Amex should treat their customer a lot better than that.
Company Response: Closed with non-monetary relief
2017-09-26
WI
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: XXXX XXXX in XXXX XXXX Wisconsin from whom I purchased a desk top computer and returned for service assured me they would be able to fix the problem I was having and after many attempts I took it back to them for further analysis and fixing. They eventually after several contacts told me they would have to send it to their service center which they did and contacted me several days later telling me they would charge an additional {$750.00} to repair which happened to be a factory defect ( a defective program interfacing with the 'touch screen ' ) I called the XXXX factory technical department and was told by they to have the XXXX XXXX XXXX XXXX service center return it to their store where I would need to pick it up and resend it to the XXXX. Service Center. They told me I was being 'grossly ' overcharged by XXXX XXXX and appeared I was being 'stiffed ' by them for more than double their estimated cost of repair. Charges by XXXX XXXX were disputed by me for an amount of {$190.00} which were in addition to charges of {$210.00} I disputed earlier and successfully defended by American Express. I have a full set of notes regarding the experience I had with XXXX XXXX and recently cancelled my in store cresit card with them since I refuse to do any further business with them.
Company Response: Closed with explanation
2017-09-25
Rochdale, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Problem getting a working replacement card
Company Response: Closed with explanation
2017-09-25
Watkins, CO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX with XXXX stating an account had been opened in my name. He called to verify that I opened the account. I explained that I had not opened an account nor applied for any accounts with American Express. I asked for the information on the application so I could file a police report. XXXX stated he could not provide any information. I asked to speak with a manager and XXXX stated none were available. I explained that I would file with the proper regulatory agencies if this information was not provided. XXXX stated a manager would call back with 24 hours. No manager ever called back.
On XX/XX/XXXX I called ( XXXX ) XXXX and spoke was XXXX. He acknowledged there was a request to speak with a manager or the person who could give me the information needed to complete a police report. He acknowledged no one had ever called me back. XXXX specifically stated, " Nobody can give you the information over the phone. A manager can not help you. '' I asked to speak with a manager and was transferred to XXXX who identified himself as a manager. I explained the situation and requested the information to complete a police report. I explained that every other bank with whom this situation has happened, provided the data required to complete police report.. XXXX stated , " A letter has been dispatched. '' When I asked for the date of the letter, he refused to give it to me. He stated, " I 'm sorry I can not disclose any information. '' Having dealt with identity theft for the past three years, every institution has supplied the information over the phone, except for one. They were investigated by federal agencies for failing to do so. I explained to XXXX that I would open investigations if I did not receive the information needed to complete a police report. He refused to provide the information.
. It is being noted that American Express failed to provide any information so a police report can be filed.
Company Response: Closed with explanation
2017-09-25
Dundee, NJ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Company Response: Closed with monetary relief
2017-09-25
Reidsville, NC
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: In early XXXX I signed up for a credit card promo where if I spent XXXX dollars on a credit card I would receive XXXX bonus points. I met those qualifications about 5 months ago and after numerous communications with American Express I have still not received my points.
Company Response: Closed with non-monetary relief
2017-09-25
Wallington, NJ
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: On XXXX/XXXX/XXXX I ordered it and made a transaction by online using XXXX system with total price {$110.00} on my credit card. I have never problem to pay my bills, but in this case I did n't receive all my statements from XXXX XXXX - to XXXX XXXX I have no information about my bills to pay XXXX year. I do n't use American Express credit card at all XXXX XXXX system pick up my card automatically. ) so I did n't expect some bills. Anyway on XXXX XXXX I figured it out about my missing statements so I called American Express. We both of us by phone find out a situation about wrong address there XXXX it was missing apartment number on the bill ) what was n't my mistake. Suddenly I paid total price {$110.00} on XXXX XXXX, XXXX. I did n't change my address 17 years so I do n't know what happened. Now American Express ask me to pay all interest and penalty. I was on the phone a lot of time and I send a lot of letters -does n't work. The case was moved to debit collector. It 's not right I do n't want to pay for other people mistakes. American Express created this situation and now ask for money. I am a good customer who paid bills always on time. Except this case because I think American express find a easy way how got money for free. I do n't want to except that.
Thank you very much
Company Response: Closed with monetary relief
2017-09-25
NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I made a payment of {$6000.00} using my XXXX XXXX XXXX online bill pay to an American Express card number that does not exist ( my error ). Instead of returning the funds to my bank, the funds just disappeared - no notification was sent by AmEx. I called AmEx and was told they would " start an investigation '' - do n't know what there is to investigate - the investigation reference given to me is : XXXX. It 's now been 20 days since the event. My last conversation, three-way with AmEx, XXXX XXXX XXXX, and me ended with " this is our process ''. On that call XXXX XXXX XXXX provided all proof of payment and all payee information to no avail. So here I am.
Company Response: Closed with explanation
2017-09-24
Cutler Bay, FL
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
2017-09-24
Dundee, NJ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Company Response: Closed with monetary relief
2017-09-24
Houston, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: hi my name is XXXX XXXX XXXX ; my email is XXXXXXXXXXXX ; my phone is XXXX please credit me {$1000.00} in travel rewards or XXXX membership reward for the American express gold card ending XXXX with date XXXX ; 4 months ago American express send me a welcome credit card offer '' spend {$5000.00} in the first 3 month received XXXX membership reward and spend another {$5000.00} in the same period received another XXXX membership reward point with total of XXXX with AE gold ending XXXX ; I comply to rule and regulation on the welcome offer, however I did not received XXXX reward membership point AE promised because they check that I had it long time ago ; but I appeal to AE decision of denial beause if I had that offer and AE has a record of it why did they 1. send the welcome offer and approve my credit card application ; if the approve the credit application that mean the rule and regulation of the welcome offer is comply ; 2. in the welcome offer did not said that if I had the offer already it wont work ; 3. the should not approve the credit application and trick me to spend {$10000.00} worth of transaction in 3 months because they benefit 5 % of the {$10000.00} money ; 4. please fired the lady name XXXX because she harash and discriminated against me ; I talk to XXXX with id XXXX and her manager XXXX with id XXXX for my appeal and they told me to wait for 10 days but it is been 3 months and my reward account has not been credit XXXX point ; they lied, cheated and robbeby my traveling money ; I had no choice but to file a complaint against American express credit card ; please credit me {$1000.00} worth in airline reward or XXXX reward points immediately ; I had relative XXXX in XXXX and I need to book a ticket right now and do n't have time to wait any longer
Company Response: Closed with explanation
2017-09-23
Jupiter, 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: American Express ( Amex ) mailed us a promotional offer to award XXXX points after we spent {$5000.00} in qualified purchases within 3 months of the account being opened. There were no conditions on us having had an account with them previously.
To ensure, these were all the terms, we also called and spoke to a customer service representative " XXXX '' who confirmed the terms as written.
Given this confirmation, we applied online and quickly received the cards and met the spending requirements within 3 months.
One month after that and after verifying we had not received the additional points, we called and were told we did not qualify due to having had an account before.
Company Response: Closed with explanation