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 279
2017-05-18
Lafayette Hl, PA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I had been an Amex customer for 40 years and then they arbitrarily decided to close my accounts, they were not past due, confiscated tens of thousand of points and handed my accounts over to a collection agency. The agency then proceeded to call my daughters, who have n't been on my accounts for years, and threatened them with a lawsuit if they did n't pay the balance. Not once did they both to call me, the primary cardholder. When I did contact Amex they told me there was nothing they could do because they no longer had access to the accounts. I later called Amex customer service and they were able to access my accounts. Neither Amex nor the collection agency has apologized for their behavior and in fact, the collection agency justified their actions.
Company Response: Closed with non-monetary relief
2017-05-17
Meridian, ID
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
2017-05-17
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with monetary relief
2017-05-17
FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I FILES FOR CHAPTER XXXX PROTECTION IN XX/XX/XXXX . PAID INTO THE PLAN FOR 5 YEARS AND WAS DISCHARGED IN XX/XX/XXXX . THE BANKRUPTCY FELL OF MY XXXX CREDIT REPORTS IN XX/XX/XXXX . I HAVE A AMEX CREDIT CARD WITH A LIMI T OF XXXX WHICH I KEEP PAID OFF. I APPLIED FOR A XXXX AMEX CARD ON XX/XX/XXXX AND WAS DECLINED BECAUSE THEY SAID I FILED FOR A BANKRUPTCY. THERES NO COLLECTIONS, BANKRUPTCIES OR DEROGATORY MARKS ON ANY OF MY REPORTS. I BELIEVE THEIR HOLDING A OLD BANKRUPTCY AGAINST ME TO NOT EXTEND CREDIT TO ME AND THATS WRONG. THANKS I MIGHT ALSO ADD THAT THEY NEVER PULLED A COPY OF MY CREDIT REPORT EITHER TIMES IVE ASKED FOR CREDIT WHICH HAS BEEN A FEW TIMES. I HAVE ALERTS WITH XXXX AND THIS IS THEIR CREDIT REPORTING AGENCY OF CHOICE.
Company Response: Closed with non-monetary relief
2017-05-17
New York, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2017-05-16
Gr, MI
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 XXXX XXXX XXXX while reviewing my account with Bluebird ( American Express ) I noticed a few transactions that I did n't authorize a ATM withdrawal of {$320.00}, an online purchase from XXXX of {$1.00} and an online purchase from XXXX for {$50.00} with all atm fees it totaled to be {$380.00} in unauthorized charges, I contacted Bluebird via letter as in structed and immediately canceled my card. On XXXX XXXX XXXX at XXXX I recieved an email stating Hi XXXX XXXX , We received your dispute for the transaction below and are currently investiga ting it. Well send you another email with in 10 business day s with more information, including whether or not were able to credit you for the charge. Disputed Transaction Details : Transaction at XXXX XXXX XXXX Amount {$320.00} TransactionDate XXXX Questions? Call us at XXXX were available 24/7. Thanks, The Bluebird Team T han on XXXX XXXX XXXX at XXXX ( 1 minute later ) I received this email. Hi XXXX XXXX , Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$380.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. You have the right to review any documents we relied upon in making our determination. You may request this information by writing to us at the following address : American Express Attn : Account Protection Service MC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Thanks, The Bluebird Team Than on XXXX XXXX XXXX at XXXX Hi XXXX XXXX , During a recent review of your Account, we noticed activity that was in violation of the Bluebird Memb er Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. If you have any questions, please call Account Protection Services at XXXX . Thanks, The Bluebird Team They did n 't investigate in less than a minute, and would n't give me a reason as to why it was n't even looked into.
Company Response: Closed with explanation
2017-05-16
Halyoke, 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
Company Response: Closed with explanation
2017-05-16
Council, NC
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Company Response: Closed with explanation
2017-05-16
Costa Mesa, CA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation
2017-05-16
Concord Twp, OH
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
2017-05-16
Pasadena, CA
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
2017-05-16
La Tijera, 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
2017-05-15
Rupert, ID
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 was sent an email back in XXXX that I would receive 10 % cash back from XXXX to XXXX XXXX in the form of a statement credit for purchases made on XXXX . I still have the email saying I was enrolled in this offer. I spent thousands on XXXX for XXXX , because of this offer. I then followed up via chat on XXXX / XXXX / XXXX and was told that I would receive the credit in 90 days ( on my XXXX statement ). I was fine with this and let it go. It 's now XXXX and XXXX passed with no statement credit as promised. ( I took screenshots of my chat as well ). I get on the chat today and was told that it was " investigated by the marketing department '' and that no such offer was on my account. This is now th e THIRD time I 've enrolled in these offers on my page that have not been credited as promised. I am now extremely fed up wit h American Express and once my credit card is paid off I will be canceling it and I will never do business with your company again. This is extremely unethical and I 've now found numerous forums with people having the same issues as I am. Do n't offer " offers '' at all if you ca n't honor them!
Company Response: Closed with explanation
2017-05-15
FL
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: approx. XXXX American Express Credit Card Co. offered their so called " valued customers " a special deal on magazine subscriptions for a small service fee. However at the end of the trial subscription they automatically charge you an exurbanite amount for the magazine without any notification to the customer. The American Express company will not even let you file a charge dispute. They refer you to series of numbers which just happens to be in their system but are saying is a separate company that needs to be contacted. I have made several attempts to file a grievance with American Express but they are denying responsibility for this special offer to " valued custome rs '' I am on a fixed senior citizen budget and can not afford the hidden rewards that this credit card company wishes to bestow on me
Company Response: Closed with monetary relief
2017-05-14
Carroll Station, NV
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2017-05-14
Nyc, NY
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: American Express ( AMEX ) h as failed to perform the full set of remedies they agreed to in response to my previous related complaint, filed with CFPB in XXXX relating to events that occurred in XXXX . I have included a copy of that complaint below, setting forth the details. Moreover, despite reasonable efforts on my part to request that they complete this performance, AMEX has been unable or unwilling to complete the necessary actions. I consider this failure extremely serious. It has caused concrete material and significant harm to my credit rating due to AMEXs initial errors, compounded by AMEXs failure to follow its own procedures, its failure to fix the problem it had caused at the original time it was detected, and now its ongoing failure to fix the error it has acknowledged, and committed to rectify. It is also causing me personal distress as a result. To start on a positive note, in response to my previous CFPB complaint in XXXX XXXX AMEX acknowledged in writing their erroneous actions that had caused the situation, including their failure to follow their own procedures. AMEX followed through on a portion of the remediation in that it reinstated my platinum card account, and restored my Membership Rewards miles. However, AMEX has not fulfilled its commitment to take the necessary steps to rectify the harm to my credit rating at consumer credit rating agencies caused by their improper actions and by their own reporting to the credit agencies that resulted from their own improper actions. Specifically, my credit rating reports from AMEX for relevant periods in XXXX wrongfully show that I have past due, seriously past due and then delinquent payment status resulting in account closure. An example is attached to this complaint. This has caused enormous damage to my XXXX XXXX , which has fallen from an excellent score in the XXXX prior to this situation to a current rating of XXXX . The report shows this as the sole material negative event so it is quite clearly and wrongfully directly continuing to cause me major harm. As I detailed more fully in my original complaint, and as AMEX ac knowledged, my account was current at all times during the relevant period. The issue was that AMEX had kept a XXXX , old account open without my knowledge or clear proper notice I had understood it to have been terminated due to suspected fraudulent activity. AMEX continued to accrue other new charges to this account, sent bills and past due notices to an old address ( while sending new bills on the new account to the new address ), and then closed both the new account ( despite its being in perfect standing and current status ) and the old account when the old account fell into delinquency. My credit history with respect to American Express must be corrected to be conclusively shown as perfect and pristine during XXXX in all respects at all consumer credit reporting agencies. My recent efforts in XXXX and XXXX XXXX to resolve this through AMEX Platinum cardholder customer service and the American Express credit reporting bureau have revealed that there is no person with sufficient access to information and authority to provide this type of error correction to credit bureaus. This is unacceptable, and it is wrongfully continuing to cause me material harm as well as personal distress. I would note that AMEX has provided no way to reach the AMEX employee who reviewed the prior complaint. In addition, in my prior complaint I had requested restitution of all interest, late fees and penalties that I had paid in XXXX in connection with these events. AMEX has not yet provided me with a statement itemizing what these were nor has it provided me with restitution of these amounts. Therefore I am requesting the following. 1. AMEX s hould designate a responsible individual with the necessary authority and accountability, and access to the necessary information and systems, to rectify this situation. This persons contact information should promptly be provided to me in writing. 2. AMEX should take all necessary actions at all consumer credit reporting agencies, such that the past due, delinquency and amount closure are cleansed or forgotten, and provide documentary evidence when all the ratings have been corrected. It is outrageous that my credit history should show past due or delinquent status, as well as account closure for nonpayme nt ( or any reason ), when all of these events were caused b y American Expresss failure to follow its own procedures, its failure to send bills to the correct address, and other acknowledged errors and deceptive practices. 3. AMEX s hould bear the costs of all credit reports I request from all agencies from todays date until the date three years after the ratings have been corrected consistent with this complaint and my prior complai nt 4. AMEX sh ould provide me with copies of all documentation it provides to each of the agencie s 5. AMEX s hould provide me with any additional letter or documentation that I may request to correct this credit history and/or demonstrate to prospective employers or governmental authorities that these negative credit events were not my fault 6. AMEX s hould refund my annual membership fee for the last three years and waive my annual membership fee for the next 5 years. 7. AMEX s hould provide restitution of all interest, late fees and penalties I incurred in XXXX . In addition, I believe that both this complaint and my prior complaint are matte rs that AMEX should have been able to address without the need for me to take the steps of filing complaints with the CFPB. However, no one in AMEX c ustomer service has the necessary information or authority to do so. I believe AMEX should consider establishing, or be directed to establish, a function within customer care that has the necessary training, information and authority to resolve this type of problem without necessitating customers to go through these additional steps. XXXX Following is the original complaint I filed with CFPB in XXXX XXXX American Express ( AMEX ) h as wrongfully closed my Platinum Card account, wrongfully deprived me of over XXXX Membership Miles, improperly deprived me of access to years ' worth of my records ( including records relevant to this complaint to CFPB ), wrongfully charged me late fees and penalties in amounts I am unable to determine without full access to my records. AMEX has provided misleading and/or deceptive information regarding my card account whose charging was terminated by AMEX due to suspected fraudulent activity by unknown persons. AMEX dec eptively and without clear notice to me continued to cause charges to be incurred by the terminated card account, in contravention of past practice and in a deceptive manner. AMEX compounded this conduct by causing other charge s ( which I paid in timely fashion ) to be incurred by the new replacement card. Amex has also submitted misleading credit reports that have damaged my credit rating, and has unfairly and in a retaliatory way denied me the opportunity to reopen an account and reestablish access to my Membership Miles. I was an American Express Plati num cardholder from XXXX until XXXX . American Express c ontacted me regarding possible fraud on my card in XXXX XXXX . An Amex rep told me that due to suspected attempted fraudulent activity on my card, they were immediately terminating any further charges on that card account, and sent me overnight a replacement card with a new account number. I promptly activated and began to use the replacement card. In XXXX XXXX I changed my billing and mailing address, and received email confirmation from Amex of the change. I did not learn until many months later th at American Express ha d also kept the old fraud-associated card account open ( I understood they had closed it when their representative told me on the phone in approximately XXXX XXXX that they were terminating any new charges on the card due to the possible fraudulent charges ). Amex continued to bill certain charges to the old fraud-associated account instead of the new account, which I did not see or know about. They sent bills for the old fraud-associated account to the old address, which I had changed officially with AMEX pursuant to procedures specified by AMEX, not my new address. They also charged late fees, interest and penalties to the old account. I should note that at several times in the past prior to the XXXX events I had reported a lost or stolen card on my platinum account and received a replacement card. In every case, no further charges were billed on the old card, everything rolled onto the new card where I could plainly see it, and merchants were unable to charge the old card. This was the case as recently as three months previously, as indicated by XXXX XXXX , XXXX email attached to my complaint submission. Therefore, based on past experience and past practice by Amex, I had no reason to think they would keep the old fraud-associated account open and bill charges there. I first learned of this problem in approximately XXXX XXXX when I was contacted by phone by an Amex rep regarding past due charges on my account. This was a great surprise. My records confirm payments in full on XXXX XXXX , XXXX XXXX , XXXX XXXX , & XXXX XXXX , XXXX . At this time I learned of the second account, that being the old account with the fraud-associated card. The representative told me there were several months worth of late fees, interest & penalties. He agreed to waive 2 months worth, since the error was on the part of Amex in failing to notify me of the second account. I discovered in XXXX XXXX that both accounts had thereafter been closed. However, the rep did not provide clear or adequate notice regarding the possibility that my account would be closed. I also lost access to more than XXXX Membership Rewards miles, which AMEX has refused to let me access or transfer
Company Response: Closed with monetary relief
2017-05-14
Far Rockaway, NY
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
2017-05-14
Seneca, SC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2017-05-14
Charlotte, NC
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: XXXX I received notification tha t American Express was cancelling both of my American Express Credit Card Accounts. This came as a surprise as I have never missed a payment since I have had the accounts. I called American Express to inquire about the account closures. I was initially told that my account ( s ) were being closed because : 1. O n XXXX XXXX , XXXX my XXXX Score was XXXX 2. Ratio of revolving account balances were too high 3. There is no recent information about installment accounts 4. There are too few accounts currently paid as agreed 5. Payments were being returned unpaid by my bank 6. Excessive cash advances 7. Excessive Travelers Check requests a. Never requested any Travelers Checks at anytime from American Express.
b. Only used my card once in the last 10 months for a cash advance. c. American Express Collected a payment of XXXX on XXXX XXXX , XXXX . However , American Express denied receiving/collecting the XXXX payment on XXXX XXXX , XXXX . My bank statement denotes the payment being returned with XXXX reference number and shows the payment being successfully processed on the same day d. There are no late pays on my credit report. I have never had a late payment with American Express at anyti me e. As for the ratio of revolving accounts, I only have the XXXX XXXX credit c ards and no other credit account s f. Last time I checked, XXXX was a soli d credit score Af ter noticing the error on my bank statement ( for the XXXX payment ), I conducted a brief review of my American Express CC Statement Payme nts vs my XXXX Checking Account. I discovered two p ayments in the amount of XXXX each were collected on XXXX and XXXX by from my XXXX Checking Account and never credited to my XXXX accounts. Today I contac ted American Express an d requested that they reinstate my cards. My requests for reinstatement was denied by American Express
Company Response: Closed with explanation
2017-05-14
Queens, NY
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 I purchased airline tickets on the AMEX Travel we bsite for tickets to XXXX for myself and XXXX year old g randdaughter. The fare for my granddaughter 's ticket was {$1300.00} The date of travel was XXXX XXXX , XXXX . When checking for departure at XXXX on XXXX XXXX , I was told that my grandaughters ticket was not valid and the fare was returned to AMEX. I was told that in order to take my granddaughter with me to XXXX that I had to buy a replacement ticket on the spot for {$2300.00} for same day travel. I had no choice and purchased the replacement ticket. I have been claiming a refund f rom AMEX for the difference between the ticket fare AMEX sold me and the fare I had to pay {$990.00} since XXXX XXXX and without resolution. My position is that the Amex trave l website states they are a travel service so my expectation was that if there was a problem with the services sold to me that I would have been alerted in advance instead of blind sided at the ticket counter. I have been a n AMEX cardmember sin ce XXXX and expected tha t AMEX w ould take responsibility for the processing error but this has not been the case.
Company Response: Closed with monetary relief
2017-05-14
Lawrenceville, 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 monetary relief
2017-05-13
AR
Unexpected or other fees
Credit card or prepaid card: Gift card
Complaint: On XXXX XXXX , 2017, I pu rchase d 2 American Express gift c ards for {$25.00} each. I was aware that bank gift cards usually have a fee attached to them but the packaging of the gift card clearly spelled out " no fee charged. '' The next day I looked at the receipt I had for the Gift cards that were purchased at our local XXXX store and noticed a n Am E x fee of {$3.00} charged per card. I called American Express customer contact number and told the company rep the problem. He informed me that the charge was for the plastic card itself and not a fee. My complaint is that the price for the card is not clearly stated on the packaging as is the clearly stated " no fee charge. '' I feel this to be a deceptive practice. Prices of any product you wish to purchase are clearly stated on the product 's packaging. I as an average consumer was not properly informed about the true cost of the product I purchased. It is fine with me if American Express is going to c harge for the plastic but let me know clearly up front so I am aware of the cost.
Company Response: Closed with explanation
2017-05-13
MD
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Complaint: When I rented a car with my XXXX American Express ( AMEX ) card, I wa s charged {$19.00} on XXXX / XXXX / 2017 by Amex XXXX XXXX for XXXX XXXX rental insurance. I had previously opted in to this premium car rental insurance on my XXXX XXXX AMEX card, but had not added it to my new XXXX AMEX card. When I called AMEX to complain about this, they said that once this insurance is added to XXXX card, it is automatically added to any other AMEX cards I get. They refused to refund the {$19.00} fee. They also refused my request to opt-out of premium insurance being added to any ne w AMEX card I may ap ply for. I spoke to XXXX ( ID XXXX ) a nd supervisor XXXX ( ID XXXX ) at Amex XXXX XXXX in Oklahoma.
Company Response: Closed with monetary relief
2017-05-13
Evanston, IL
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: American Express w as contacted on X/XX/17 to dispute a transaction made for {$170.00} on X/X/17 as the replacement device I paid for had not been received from XXXX XXXX . On X/X/17 I contacted Amexto on the status of the dispute and to confirm that my documents were received. At that time I was informed my claim was closed but reopened o n X/X/17 . H owever the supervisor went on to say he did n't see it open in another system. He was concerned and was unsure. He stated that he would need to contact disputes and that someone would get back to me. I told him I had a concern with the information pertaining to the date as it causes a conflict on when the dispute started. Although I did not receive any contact on my reason for calling. I did receive an email on X/X/17 from Am ex stating my dispute documents had been received and that I would receive a response on the dispute no later than 45 day 's from the date they were notified. On X/XX/17 I contacte d Amex ag ain and spoke with " XXXX '' ( another supervisor ) after clarifying with the agent who answered that the claim did start o n X/XX/17 also verified by the supervisor. As he stated the claim should n't have been closed in error and that we were on th e 47th day. He apologized and had no further answers on the matter. Stating he would contact disputes again as there was n't an error by Amex and he would do what he could to get it resolved quickly No solid answer has been given to me. An email was sent to disputes o n X/X/17 r equesting information on the dates that they have in regard to the dispute. However it has gone unanswered. The company in question has since cancelled all consumer policies due to massive complaints for non received devices, incorrect devices, or flat out broken ones. I am unclear on how Amex handles its disputes or when they began mine. But customer service can not assist and I can not personally call disputes. After purchasing a new device Amex is not assisting in manner professional as this causes financial hardship for me.
Company Response: Closed with explanation
2017-05-13
Phoenix, AZ
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 a billing dispute with the XXXX whi ch AMEX ha s not managed well at all. The charge is {$63.00} and XXXX is claiming it was delivered to my house. When I look at the documentation supplied by XXXX to AMEX, is clearly states that this package was left at the front door and we have not received such a package. I would like to get this matter resolved beca use AMEX is c laiming that I received the package which is not the case, since it was left on a front door some where in the neighborhood by XXXX .
Company Response: Closed with explanation