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 26
2019-09-09
Wonder Lake, IL
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: XX/XX/XXXX or XX/XX/2019 - my American Express Bluebird prepaid debit card was closed for no reason. I called several times to the Bluebird customer service number, only to receive an automated message saying that an email explaining the closure will be sent. I received an email for each time I called. The email only stated that I had followed rule # 22 ( d ). However, I never misused the Bluebird prepaid debit card in any manner. I was a good customer. I also had over {$1000.00} in funds remaining on my account.
XX/XX/2019 - I wrote to Bluebird customer care demanding an explanation of closure and that my remaining funds be sent to me immediately. No reply since then.
XX/XX/2019 - I wrote to Bluebird customer care again demanding an explanation and that my remaining funds be sent to me immediately. No reply since then.
XX/XX/2019 - I called American Express credit card, asking for assistance in obtaining my remaining funds. AmEx informed me that they do not service the account nor know who do service the account.
XX/XX/2019 - After researching online, I found that a company called XXXX actually owns and services the American Express Bluebird accounts. Their phone number is XXXX. I've left a message with XXXX XXXX ( the person who the operator forwarded me onto ), but have not received a return call. Now, when I try to call XXXX, even the operator will not pickup the phone.
I truly find this very suspect. They closed my account over 22 days ago, without any information or manner to obtain information. Then they are holding my money essentially hostage. I am very fearful that this is a scam or criminal, and that the Bluebird / XXXX will keep my remaining funds.
Company Response: Closed with explanation
2019-09-09
Keeneyville, IL
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Contacted your employer
Company Response: Closed with explanation
2019-09-09
East Rockaway, NY
Fraud or scam
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I have a lot of debt on credit bureu but I didnt spell it
Company Response: Closed with explanation
2019-09-09
Conway, SC
Managing an account
Checking or savings account: Other banking product or service
Problem making or receiving payments
Company Response: Closed with explanation
2019-09-09
Lynn, MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: American Express sued me over an alleged unpaid balance. During the court process the case was dismissed with prejuidice. Prior to this I have filed a dispute with all 3 CRA regarding this. American Express continues to report to the CRAs that the debt is correct. The case was dismissed with prejudice in my favor. American Express has no legal standing and under State Law must remove account from all credit reporting agencies.
Company Response: Closed with explanation
2019-09-09
Fort Lauderdale, FL
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
Company Response: Closed with explanation
2019-09-09
Marina Del Rey, CA
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
2019-09-09
Minneapolis, MN
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
2019-09-08
OH
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 I added {$160.00} to my bluebird account and it was approved. That same evening I attempted to log in to my account and was unable to. I did attempt several times thinking I may have forgotten my password. I used the link on the log in page to reset my password however I did not receive a link.
Saturday XX/XX/XXXX I again attempted to log in unsuccessful. I called the customer service number on the back of the card and the automated system said my account had been permanently closed and suspended and hung up without the option to speak with anyone. Immediately I received an email that my account had been permanently closed and suspended due to member agreement 22d which is using the card fraudulent..this is WRONG..I looked up multiple numbers to try to speak to an agent but everyone I spoke to transferred me to the automated system which would not connect me to an agent.
Sunday XX/XX/XXXX I used my mother 's phone and made up a fake card number and got thru to a customer service rep named XXXX. He looked the account up and said it was locked and closed d/t violation of member agreement 22d..same thing as the email said. I asked to speak to someone who could tell me what was happening and he told me no one was authorized to give me that information. I need to write a letter to the address provided in the email. He would not give me any information and hung up.
I will be mailing a letter to the address provided in the email.
Company Response: Closed with explanation
2019-09-08
Spencer, MA
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
2019-09-08
San Gabriel, CA
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: Summary : I applied and was approved for the XXXX XXXX American Express Card Membership with the advertised offer of receiving XXXX XXXX Honors points ( welcome bonus ) after to total spend of {$1000.00} within 90 days of application opening. I fulfilled the requirements and the AMEX online representative stated on XX/XX/2019 that I am not qualified due to history with AMEX. The representative then stated that I should have seen the " pop-up '' indicating that I was not qualified during the application process, which I stated back that I absolutely did not have a " pop-up '' indicating such ineligibility. There was nothing that the AMEX representative couldve done but to raise an investigation for you that takes a maximum of 6-8 weeks for the resolution. I was then disconnected from the messaging. AMEX did not provide a pop-up to indicate that I was not eligible for the welcome bonus during the application process, and AMEX owes me the welcome bonus as I have fulfilled the requirements on XX/XX/2019 which was prior to the 90 days after date of application opening.
Chronolgy : XXXX : Applied for the XXXX XXXX American Express Card Membership ( AMEX card ) with the advertised offer of XXXX points of welcome bonus after spending {$1000.00} using the AMEX card within 90 days.
XXXX : AMEX emailed me and indicated that I was approved ( See Attached email ) XX/XX/XXXX : Total spend on the AMEX card exceeded the {$1000.00} requirement which is within the 90 days.
XXXX : Contacted AMEX via messaging feature on phone app and AMEX representative stated the following ( see attached messaging transcript ) : Your welcome bonus has been declined as per below rules this same dialogue box pop up at the time of application. Based on your history with credit card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. Welcome Offers are intended for first-time Card Members as an incentive to try the benefits and rewards of the Card. Given This, existing Card Members who have or have had the same card before as well as those who have a history with American Express welcome offers, introductory APR offers, or because of the number of Cards they have opened and closed are not eligible to receive the welcome offer.
I then replied, and why didnt AMEX tell me when I sign up? This is deceptive practice. I didnt have the XXXX card before. Im filling a complaint with the State and Federal regulators.
AMEX representative then replied, You should have receive a pop up while applying for the card that you are not eligible for the welcome bonus offer. I am really sorry that you missed it. If you wish I will transfer this chat to my supervisor for the further assistance. Shall I?
I then replied, no such pop up not sure if you are making this up. sun-less [ unless ] you personally applied for this, you have no idea. please show me the pop up. message me so you can prove you are not making this up.
AMEX representative then replied, I understand your point here, however we do not have the option to retrieve the pop up on our end. It only shows you the pop when you are on the application page, I am sorry that you missed it.
I then replied, there you are making this pop up thing yo [ to ] justify your message to get me AMEX representative then replied, I am really sorry if you feel that way, however it is applicable to all the card members who doesnt have the welcome bonus offer available on their cards.
I then replied, I had it on mine and was actively promoted to me and did not have the claimed pop up that indicated that I did not qualify. deceptive marketing.
AMEX representative then replied, I sincerely apologize for the inconvenience caused to you. In this case Ill go ahead and raise an investigation for you. It takes maximum 6-8 weeks for the resolution. However in most cases it get resolved sooner. So you can chat back us later to see the status. I was then ended and cut off from the messaging feature from AMEX.
Company Response: Closed with explanation
2019-09-08
Bethlehem, 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: American Express serve closed my account for unexpected reasons unknown. My payroll check was directly deposited into the account. When they closed the account I still had a significant amount of money that I was not able to get to because they ( AmEx ) locked my account from being logged into. As well as locked the card from further transactions. When I contacted AmEx regarding issues at hand I was given the run around. The issue had not be resolved and AmEx even blocked my contact number from being able to contact AmEx. I have called AmEx from a different number and still the issue has not be resolved. I do have conversations recorded where a manager from the AmEx XXXX branch in the XXXX actually stated a balance amount that was left in my locked account.
Company Response: Closed with monetary relief
2019-09-07
DC
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: I have been an American Express customer in good standing for 10 years now, and recently I found that my AmEx account had been marked as " delinquent '' for failure to pay late fees on a card that I cancelled almost a year ago that apparently had a small balance still left on it without my knowing about it.
Given that I had other AmEx cards that I paid the entire balance on in full every single month, it was obvious to me that this balance on the closed account was allowed to continue to incur late fees because AmEx realized that I didn't realize there was a balance, so they let this go on for 8 months and held me responsible for hundreds of dollars in late fees on a closed account. AmEx claimed that they notified me via mail ( any other credit card company I have forgotten to pay a balance on has always called me ) but I have found zero evidence anywhere that they actually did.
I have closed all of my accounts with AmEx, and paid everything I owed them in full including these hundreds of dollars in late fees that were added to the closed account, but I am concerned that this clear and obvious oversight that AmEx did not perform even basic due-dilligence in notifying me of as an account holder in good standing for a decade with them, has hurt my credit though I always do my utmost to pay all of my bills on time. You can not pay off what you don't realize you even owe, and obviously someone with my credit history with AmEx shouldn't have been torched by them this way.
Regards, XXXX XXXX
Company Response: Closed with explanation
2019-09-07
Smyrna, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-09-07
Wallington, NJ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I travel for work so on XX/XX/XXXX I called your customer service to inquire about the XXXX XXXX AMEX credit card that was presented to me via your web interface. I expressed my concerns because, despite my stellar record with the AMEX where I have : a ) an AMEX Platinum, a personal card in good standing b ) an AMEX Blue, a business credit card in good standing c ) a {$19000.00} personal loan paid in full I have been a customer only from XX/XX/XXXX. I worried it might be too short for a new card. The customer service representative assured me that the length of my history with you would not be a problem and encouraged me to apply. So, I did apply for the Aspire card but was immediately declined.
It is understandable that every financial institutions prerogative is to extend a credit or not, to anyone. However, I wanted to find out the reasons and called the AMEX on XX/XX/XXXX to find out. In the declining letter I found the reason : A recent payment you made to American Express was returned unpaid by your financial institution. That was in error.
On XX/XX/XXXX a glitch in your system used my XXXX XXXX business checking account ( ending in XXXX ) as a source for the payment of my personal Platinum card. ( CONFIRMATION XXXX ) Needless to say, my business checking account has been linked to my AMEX Blue business credit card, while my personal Platinum card has been linked to my personal checking account ( ending in XXXX ) since the day one. At that day, XX/XX/XXXX my business checking account, that was erroneously charged, did not have funds and, as a result the payment could not be processed and was returned.
Immediately upon seeing your error, I contacted the AMEX customer service that assured me : a ) they would fix the glitch b ) they would remedy the issue.
They were true to their word and a ( new ) payment was taken from my personal checking, the accounts were properly linked, and the penalty fee has been waived. You acknowledged the glitch and on your side and rectified the error. The note about your error was, and still is, in the system.
That same error from XX/XX/XXXX stayed on my personal Platinum cards payment record and was a reason, or one of the reasons, why was my XX/XX/XXXX application for Aspire AMEX declined.
This is the background. What transpired next was truly an extremely unpleasant experience during which I have been lied to numerous times. I also spent four hours and thirty minutes ( 4h30min ) on the phone with your representatives, in addition to at least half an hour of your chatting with your support online.
On XX/XX/XXXX I spoke with various people only to, finally got the supervisor ( please note that I have spoken to so many people that I do not have their names or IDs. Only a customer service representative, XXXX from Florida, ID XXXX has given me her identification data ; she for sure has some knowledge of my prior experiences and this case ) who assured me : a ) the AMEX is aware of their XX/XX/XXXX error b ) the error has been removed from my internal payment history c ) he has advised the underwriting team about the said error d ) the underwriting team would this time manually go over the XX/XX/XXXX application that has now been re-submitted.
To my dismay, the declining letter did not have a date of XX/XX/XXXX when those assurances took place, but instead the date of the original application, back in XXXX. One of the reasons stated was that same XX/XX/XXXX error, A recent payment you made to American Express was returned unpaid by your financial institution. It was clear to me that a ) I have been lied to by the supervisor when assured the error is not a part of my payment history or b ) that the underwriting team did not bother to consider my concerns at all.
I called again in order to clarify those issues and come to the mutually agreeable solution. Another one hour and 34 minutes on the phone ( 1h34min ) were a pure torture. Not only that no one cared about the fact I was in XXXX, already after XXXX my time, or that I had been speaking with so many people already without a solution in sight but I have been manipulated and deceived repeatedly : a ) I was told the returned payment was not an issue and, by the same representative b ) I was told that he admits ( sic! ) that the unpaid payment was the reason only to have been told, by another representative. Two contradictory statements in less than a minute!?
c ) that the XX/XX/XXXX error have been removed from my record.
While on the phone I logged into my account only to see the same error still standing there, in ugly red letters. Please note that they all refused to connect me to another supervisor and were playing a deaf phone game with me by telling me : a ) the error has been removed said one customer service representative b ) the error can not be removed said another customer service representative, but the note would be left in the system than b ) the error will be removed and than c ) the error will be removed from my credit history I want you to note this issue. Almost five hours into attempts to resolve this harmful action by the AMEX, they mentioned credit history that was not a part of the problem. I wasnt late and for sure wasnt reported as late d ) the error has been removed but it requires 24 hours to reflect in my payment history.
They put me on hold, at XXXX XXXX my time, for over 20 additional minutes despite my beseeching ; I was truly tired etc., but they still refused to connect me to the supervisor or to provide with any real help. Moreover, the representative told me it would be a waste of time to talk to the supervisor anyway. And she had told me that after she had me on hold, one hour into conversation, for those additional 20 minutes I spent waiting to the same supervisor!?
Please also note that at that point I had tried to convey my main concern. No matter the Aspire application issue, as long as that returned unpaid error is a part of the internal records I would never, ever be able to be approved for any other AMEXs financial product in the future.
All of that was truly a nightmarish XXXX XXXX at which moment I gave up for it was clear to me that I ought to seek the remedy elsewhere.
Company Response: Closed with explanation
2019-09-07
East Troy, WI
Unexpected or other fees
Credit card or prepaid card: General-purpose prepaid card
Complaint: On XX/XX/2019 i received my direct deposit as usual on my American Express Bluebird card, i used the card for a few purchases before and after my direct deposit was received. However on XX/XX/XXXX i attempted to use my card and it was declined, i called american express bluebird and received a message stating " Your account has been permanently closed please check your email for more info, i checked my email and received a letter stating that my account was closed and i would receive my remaining funds by check to the address that was on file but no information as to when i will receive a check what was my final balance what is the address on file i opened this account years ago and since i have moved, how can i confirm if they still have my correct address if when i call the system hangs up on me after warning me my account has been suspended.
Company Response: Closed with explanation
2019-09-07
Chula Vista, CA
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
2019-09-07
Atl, GA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-09-07
IA
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 XX/XX/2019 I received an offer to apply for a Delta Skymiles Gold card. I received both a flyer in the mail and email with the same offer. Part of the offer was that the {$95.00} annual fee would be waived the first year. In XX/XX/2019 I applied for the offer online through the website provided in the flyer and using my Skymiles number to access it. I was approved by American Express and began using my card. When I received my first statement I noticed the annual fee had been charged, so I contacted AmEx through their online chat on XX/XX/2019. I was told " There is no such offer for no annual fee for first year. '' I disputed this and was told they would open an investigation. I thought I still had the flyer in my recycling, but could only find a different flyer which I had received after applying for the original offer, although this offer also included a no annual fee the first year. I had also deleted the original emails after having been approved for the offer. I called AmEx on the phone and was told to check back on the status of the investigation. On XX/XX/2019 I contacted AmEx through their online chat. I was told the investigation was closed and " the image you've uploaded supporting your claim regarding the annual fee waiver offer could not be loaded at our end. '' I had never been asked, nor tried to send an image. The investigation was reopened, but since I have no proof of the offer I feel this will not resolve the issue. Thank you for your help.
Company Response: Closed with explanation
2019-09-07
Manhattan, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-09-07
Atl, GA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-09-07
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 explanation
2019-09-07
Wrentham, MA
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
2019-09-06
IN
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 have an American Express Bluebird prepaid debit card that my payroll check is deposited to. On XX/XX/2019 I made a purchase for {$390.00} at XXXX XXXX XXXX. I returned a medication they gave me for a {$120.00} credit back to my card on Tuesday, XX/XX/2019. The charge was credited back to me on Friday, XX/XX/2019, but American Express immediately took the money out of my account as a " Hold For Review '' When I called to ask why the money was being held, I was told that they have to hold the credit for an additional 7 days for verification that the credit is valid. I talked to XXXX.
Company Response: Closed with explanation
2019-09-06
Urb El Pilar, PR
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation