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 37
2019-08-06
Scottsdale, AZ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Only a couple days after terminating my employment at American Express my credit line was reduced by XXXX
Company Response: Closed with explanation
2019-08-06
Greenville, KY
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 explanation
2019-08-06
Manassas, VA
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 monetary relief
2019-08-06
N Hollywood, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-08-06
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
2019-08-05
Beyersville, TX
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 signed up for a XXXX American Express Card for the advertised XXXX miles, but only received XXXX.
I received an advertisement from American Express " XXXX Card, which stated that I would receive XXXX bonus miles plus a {$100.00} statement after I spend {$2000.00} within the first 3 months.
The advertisement was within the XXXX App ( XXXX ), and I took a screenshot of the advertisement prior to signing up, then clicked a link which opened a XXXX Browser.
One of 2 things happened in this process : 1. During the " XXXX app '' to XXXX switch, the miles reduced from XXXX to XXXX miles, and 2 very large companies had not recognized nor fixed the issue.
2. American Express intentionally switched the values, with the hope that most consumers would let it go.
My response from customer service at XXXX, had me contact American Express. American Express told me that I only signed up with a reward of XXXX miles, though they will investigate with a 6-8 week timeline.
***The switch from XXXX 's ad in the app, to American Express in XXXX should be the earliest American Express has, so American Express will unlikely see the XXXX App side, and the ad I responded to.
I find it difficult to believe that 2 very large companies that regularly pump out advertisements of XXXX miles would assume I would purposefully seek an offer of XXXX miles when there isn't an advertisement for that, and will do what they can not to honor the ad.
Company Response: Closed with explanation
2019-08-05
VA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: AMEX continues to report a business card as my account. The claim its true because payments have have been made. I'm attaching the last statement which is the only account I have had with AMEX and the only account I made payments on. Trying to tie a business only account to a personal account which was totally separate.
Company Response: Closed with explanation
2019-08-05
Mount Vernon, NY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-08-05
Scottsdale, AZ
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: i HAVE CALLED amex OVER 30+ TIMES, TO DISCUSS NON PAYMENT ON MY ACCOUNT OVER THE LAST FEW MONTHS. i WAS FIGHTING FOR MY LIFE IN XXXX, I HAVE ALL DOCUMENTATION TO SUPPORT THIS. EVERY TIME I CALL I CANT GET ANY HELP. I CALL AMEX DIRECTLY AS WELL AS THE CORPORATE OFFICE AT XXXX, i GET A RUDE XXXX ON THE PHONE NAME XXXX. REFUSES TO PROVIDE ANY HELP, LAUGHS AT ME. HOW AM I TO RESOLVE ANYTHING WITH YOUR COMPANY IF YOU WILL NOT TAKE MY CALLS BUT CALL ME HARASSING FOR PAYMENT. I TRY TO MAKE PAYMENT AND YOUR COMPANY WILL NOT ASSIST.
Company Response: Closed with monetary relief
2019-08-05
MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: Although it has been addressed w/ the major credit bureaus on numerous occasions, American Express ( Amex ) continues to bias my credit report by refusing to add back the payment history it removed in retaliation for the complaints filed in XXXX and XXXX Quarter XXXX regarding disputed APR and add-on fees.
These complaints include those filed w/ the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), the New York XXXX XXXX XXXX ( XXXX Complaint ID # XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Complaint File # XXXX ).
The attached XX/XX/XXXX and XX/XX/XXXX XXXX will clearly illustrate Amex 's retaliatory action.
Company Response: Closed with explanation
2019-08-05
Washington, DC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-08-05
Bellview, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with non-monetary relief
2019-08-05
MD
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: After following up w/ XX/XX/XXXX Operations Manager XXXX XXXX via telephone on XX/XX/XXXX regarding disposition of the XX/XX/XXXX American Express ( Amex ) Card settlement agreement we negotiated, I was informed that Amex had retracted my account. As such, I wrote XXXX XXXX Amex Group President, Global Consumer Services on XX/XX/XXXX ( copy attached ) as follows : " Please reference attached settlement agreement. After affording Amex every opportunity to explain and/or correct the APR concerns conveyed in my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX letters, I sought assistance w/ resolution of my Clear Card Account billing dispute from its regulator the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), as well as w/ the New York XXXX XXXX XXXX ( XX/XX/XXXX Complaint ID # XXXX ). As the result of Amex discontinuing communication, both were closed w/o resolution.
At the urging of the New York XXXX XXXX XXXX, I also reached out to the New York State Department of Financial Services for resolution, but Amex continued to insist on payment of the {$6700.00} outstanding balance, including the approximate {$900.00} in charges and fees added after closing the account. Since there was nothing in my Amex agreement allowing it, I vehemently disputed it and refused to pay it.
Since both parties submitted supporting documentation to the CFPB in support of its argument, my XX/XX/XXXX letter also proposed allowing the CFPB to review the information submitted and render a decision. Instead of allowing for an unbiased ruling from its regulator, Amex opted to take steps aimed at closing the account. As such, the account was closed in XX/XX/XXXX and charged off 4 months later in XXXX. It was eventually turned over to collection agency XXXX XXXX, XXXX.
In a last-ditch effort to settle the matter, I reached out to XXXX XXXX on Thurs XX/XX/XXXX w/ a proposal for settlement. And while pleased w/ the agreed upon offer received via US Mail on Sat XX/XX/XXXX, the unilaterally added XX/XX/XXXX payment Due Date resulted in voiding the agreement. As shared in todays follow up call to Operations Manager XXXX XXXX, I will be returning to the DC area next week ( Sat XX/XX/XXXX ) and was hoping to care for this matter before moving. Since my negotiations w/ Amex never gained traction, I am most concerned w/ his informing me that Amex retracted the account as of the XX/XX/XXXX unilaterally imposed payment Due Date.
I took the liberty of having the agreement reviewed by my long-term friend and bankruptcy attorney XXXX XXXX over the weekend who felt it fair, but shared the following concerns : A ) Due Date too soon ( 2 weeks minimum if using US Mail ) B ) No signature ( include signature for accountability and follow up/contact ) C ) No time frame provided for credit report removal As time is of essence, please address the above and resend the offer via email to XXXX ( preferred ) or via Priority Mail Express or Priority Mail Hold for Pickup for Wed XX/XX/XXXX or Fri XX/XX/XXXX. '' Although I followed up w/ Mr. XXXX 's office 3 weeks later on XX/XX/XXXX, I'm yet to receive a response.
Regards, XXXX XXXX XXXX
Company Response: Closed with explanation
2019-08-05
Magnolia, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXXr american express ( amex ) XXXX XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Company Response: Closed with non-monetary relief
2019-08-05
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-08-05
Brooklyn, NY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I had an American Express credit card, I fell back on paying it due to job loss and they ended up closing it and it went to collections. In XX/XX/2019 I received a letter from AMEX with an offer to pay off only 60 % of the debt that was owed and the card and the balance would be resolved. I called AMEX to take up the offer and they gave me another offer, which was too pay the full balance and Ill be eligible to receive an XXXX card application, I agreed and I received a letter in the mail confirming it. My account had been fully paid off since XX/XX/2019. It is now XX/XX/2019 and I still havent received the application. Ive spoke to AMEX OVER 30 TIMES!!!!!!!!!! They keep telling me theyre gon na send it out again over and over and I still havent gotten anything!!! They tricked me to pay the full balance on false accusations that I would be getting it in return.
Company Response: Closed with non-monetary relief
2019-08-04
TN
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 completed the terms for the sign up bonus on my American Express Delta Skymiles gold card on XX/XX/2019. I still haven't receive my sign-up bonus yet. Every time I contact customer service, they tell me that it's under investigation and tell me to wait longer.
Company Response: Closed with explanation
2019-08-04
IN
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: On XX/XX/2019, I opened the American Express Platinum XXXX card with the understanding that that I would be receiving XXXX XXXX miles + XXXX Medallion Qualification Miles ( MQM ) after spending {$3000.00} and {$100.00} statement credit for any XXXX spend within the first three months of the card opening ( by XX/XX/2019 ). There was a {$190.00} annual fee for the card.
On XX/XX/2019, I reached out to American Express to confirm if I met their eligibility requirements, which I did according to Customer Service Agent Inny. She stated that I made total of {$3600.00} qualifyingpurchases and until XX/XX/2019 statement closing spend threshold amount was not meant but now as that is made you will see the bonus miles issued to your account byXX/XX/2019.
On XX/XX/2019, I reached out to American Express again in order to check in and see when I could expect to see the bonus mileage post to my account. This time, they stated that miles and MQMs will be credited to your account 6 - 8 weeks after you reach the Threshold Amount according to Customer Service Agent XXXX. I asked if I would see the bonus files post by XX/XX/XXXX, and they confirmed this.
After waiting the prerequisite time and not seeing the bonus, I reached out to American Express yet again on XX/XX/2019. This time, they explained that I had only spent {$2500.00} in Qualified Spend Amount and I did not meet the spending threshold according to Customer Service Agent XXXX. They refused to clarify what spending was ineligible and why I did not receive the bonus despite two previous customer service agents confirming I would receive the bonus offer much earlier.
I have met the spending requirements under the American Express Platinum XXXX card with purchases amounting to {$3800.00} between the card opening and XX/XX/2019 ( three month period ). American Express has refused to honor their agreement, decided to arbitrarily make up terms to renege on their agreement for the bonus, and has refused to remedy the situation.
Company Response: Closed with explanation
2019-08-04
Brooklyn, 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 XX/XX/2019, my husband and I attempted to book a flight from XXXX XXXX to New York on the AMEX Travel website. We received an error message indicating that the flight we attempted to book may or may not have been confirmed and that we should call AMEX Travel to confirm the status of our attempted booking. We subsequently did just that and called AMEX Travel to address the matter and were informed that our first attempt to book our desired travel did not go through. The AMEX agent on the phone then tried to book our desired flight and stated that it did not go through on her end as well. She advised that we try the next day on our own on the website.
On XX/XX/2019, we were finally able to book a flight, though it was different from the one we initially desired and at a higher cost. On XX/XX/2019, I checked my statement and to my surprise, I saw charges for one of the attempted travel bookings on XX/XX/2019 that the agent informed us hadnt been confirmed. We never received an email confirmation for this travel. Had we received one, we wouldnt have booked travel on XX/XX/2019. There were two charges that posted for XX/XX/2019, each {$300.00} ( charge # 1 reference : XXXX, charge # 2 reference : XXXX ).
Upon seeing these charges, I called American Express to walk them through the above and resolve the matter. I waited three hours on the phone with them and was informed that a case was logged and I would see resolution to my issue within the week. Further, I was told not to worry about paying for these charges. I hadnt heard from them all week and called on XX/XX/2019 to follow up on my concern. In my follow up call, I learned that the case is still ongoing.
Even though I was told to not worry about these charges, I was levied a {$35.00} late fee charge on XX/XX/2019 ( reference ID : XXXX ) and an {$11.00} interest fee on XX/XX/2019 ( reference ID : XXXX ).
The total sum I am disputing with them is thus {$640.00} ( {$300.00} + {$300.00} + {$35.00} + {$11.00} ). I really would like this resolved quickly and have been waiting very long to see a resolution to the mistake made by American Express. They are making me pay for their mistake and Im spending the time to follow up on it, which isnt very fair.
Company Response: Closed with monetary relief
2019-08-04
San Jose, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-04
Chicago, IL
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
2019-08-03
Galena, OH
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: Hello I have contacted all the three credit card companies and advised them that these accounts have been opened fraudulently. I was XXXX overseas in XXXX when theses cards were opened in my name. I have sent them my XXXX papers and and FTC Identity theft paperwork and yet they fail to remove these accounts off my credit report. The dates are approximately XX/XX/XXXX thru XX/XX/XXXX Here is a list of these accounts : AMERICAN EXPRESS BALANCE {$1900.00} XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$2300.00}
Company Response: Closed with non-monetary relief
2019-08-03
Arco, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: In late XX/XX/XXXX, I applied for and was approved an American Express Starwood Preferred Guest Credit Card ( the product name was changed into American Express Bonvoy Credit Card ) ending in XXXX, with a sign-on bonus of XXXX XXXX Bonvoy points for spending {$3000.00} within the first 3 months after opening the account.
By XX/XX/XXXX, I had met the said requirement, as shown on my XX/XX/XXXX credit card statement attached herewith, and the bonus points automatically posted to my XXXX Bonvoy rewards program account, as shown in the second attachment. However, due to an unexpected incident with a restaurant merchant named " XXXX XXXX '' in XXXX XXXX, part of its charge of {$1700.00} on this card was reversed on XX/XX/XXXX, resulting in my total spending, less returns, falling short of the sign-on bonus threshold. While I noticed this turn of events and its potential consequences, I tried contacting the merchant to fix it, but it didn't go smoothly.
Upon receiving my XX/XX/XXXX credit card statement and surprised to find that the XXXX bonus points were still there, I remember contacting American Express through online customer service chatting in XXXX, XXXX, to request the agent confirm if I had ever met the requirement for the bonus. I was given an affirmative answer, whose chatting log I'm unable to retrieve because the AmEx system only allows me to do so as early as 3 months ago. Relieved by the confirmation and the fact that my XX/XX/XXXX credit card statement didn't show the XXXX bonus points deducted as I suspected to happen, I quit urging XXXX XXXX to charge back the original amount to this card and stopped using it to make further purchases for the time being.
Everything had gone well until XX/XX/XXXX, more than 9 months after the issue, when I was astonished to find that my XXXX Bonvoy points balance dropped by a drastic XXXX, as shown in the third attachment. I hastened to inquire American Express through online chatting the next day and was told they had clawed back the said bonus points based on their records indicating I had not met the spend threshold to be eligible for the sign-on bonus. The customer service agent also refused to provide me with any means to remedy it and make up for the delinquent spend in order to earn back the deducted bonus points. Furthermore, I highly doubt that I have been mistakenly categorized into AmEx 's blacklist of " misusing rewards programs '' for the same reason, which denies me of any future sign-on bonuses when applying for their new credit card product, according to my multiple frustrating experience recently.
In light of the above, I hereby complain about the mistreatment of American Express to me in this case as misleading, discriminatory and irresponsible, even to the degree of fraudulent. It was the retardation of their automatic points reallocation system and the false confirmation of my bonus points eligibility by their customer service chatting agent that largely caused me to misjudge the situation then to have stopped negotiating with the restaurant merchant or have not continued to use this card to spend to make up for the reversed portion of that transaction, which I would be absolutely willing to. If the points deduction had taken place much sooner and reflected in my XX/XX/XXXX or XX/XX/XXXX credit card statement, or had the chatting agent in XX/XX/XXXX, been responsible enough in reviewing my account to give me a negative answer, I wouldn't have sustained such substantial losses and landed into such a hopeless situation. Listing me as " mis-user of rewards programs '' and denying me of further sign-on bonuses are virtually adding insult to injury, which I strongly oppose.
Company Response: Closed with explanation
2019-08-03
Glendale Heights, IL
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem adding money
Company Response: Closed with explanation
2019-08-03
Juniper Hills, CA
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble getting, activating, or registering a card
Complaint: I tried contacting bluebird they would not help me it won't allow me to register my account saying that its permanently suspended which is XXXX and they saying it's fraudulent which is not true my card was stolen I sent in for replacement abd never received it I created a family account got that. Card but not the other thus is XXXXs as XXXX unfair I I have had my identity stolen 3 tines prior and now I'm dealing with the 4th dye to XX/XX/XXXXs XXXX leak I just want to be able to use my account due to not being able to get a real bank account
Company Response: Closed with non-monetary relief