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 38
2019-08-02
Glen Cove, 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 explanation
2019-08-02
Halyoke, MA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.
2 ) That all correspondence take place in written form only.
3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.
4 ) Your office will mail all correspondence to my home address or my email at XXXX.
Thank you for your consideration in this matter.
XXXX XXXX
Company Response: Closed with non-monetary relief
2019-08-02
Bedford, TX
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
Complaint: On or around XX/XX/2019, I logged into AMEX online account to review my account. Upon reviewing my account, I noticed several transactions performed on my account that were not authorized by me between the dates of XX/XX/2019 and XX/XX/2019 for a total of {$190.00}. The following represents transactions that I am aware of or provided consent to anyone to conduct on my behalf : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Company Response: Closed with explanation
2019-08-02
Jupiter, FL
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: CONFIDENTIAL : I filed a cusumer complaint ( Complaint XXXX ) with the Consumer Financial Protection Bureau regarding a charge that was supposedly settled and still appeared on my American Express account. By me contacting you, they retaliated against me for filing a complaint by changing their opinion of the disputed charge in a letter dated the same day it was provided to you. The letter had numerous false claims and than ruled in the vendor 's favor with no new evidence. I have numerous letters where they ruled in my favor I guess today 's consumer have no protection This has been going on since Mid-XXXX XXXX.I been doing business with American Express since XX/XX/XXXX. They are not providing any respect to or organization back having someone above a high school education or recent college graduate that tries to be the hero by writing a letter to me reversing the decision. For your information, I am a XXXX XXXX XXXX XXXX XXXX with a XXXX and XXXX degree being in business for 31 years. I hope they realize they are dealing with someone that is highly knowledgeable and educated. From this incident, it appears, the CFPB is working for the big corporations rather than the citizens of this country. Please prove me wrong. Sincerely, XXXX XXXX
Company Response: Closed with explanation
2019-08-02
Wonder Lake, IL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: On multiple occasions I have been preapproved for a new account by American Express. I have gone through there tool to see if they preapprove me for any of there products. I get special customized offers generally with higher signup bonuses than advertised for some products. Yet when I accept the pre-approval I get an instant denial because I am on their black list on a couple of accounts totaling about {$3000.00} worth of balances included in a bankruptcy from 8.5+ years ago that I believe were primarily derived from authorized users purchases that I at the time of filing for bankruptcy requested that American Express reaffirm, so that they would be paid in full and I would still have a charge card with them. American Express refused to reaffirm and charged off the balance.
I have called multiple times to find out when I will be removed from there black list, or be able to become a card holder again as I have seen on many credit foreums that they have been getting more lenient with people who have had past bankruptcy discharge that included American Express. I have been told not until I pay the {$3000.00} back which to me does not seem fair as they have approved people who have discharged far more than {$3000.00} and have approved the, for substantial credit lines on there revolving cards, and I am currently only looking at there pay in full monthly card.
Company Response: Closed with explanation
2019-08-02
Great Neck, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Re : Amex Card ending XXXX.
Disputes were done in time by Mr XXXX, Amex representative kept assuring him before his payment comes due, he will see all the credits, and will they were in review he would not be responsible for them. But by then the representative on the Amex Cart team handling the account went on maternity leave and said will handle it on her return and he should not worry as she is in-charge of the case. On return she could not remove the disputes as the time was over and the burden fell on Mr XXXX.
Delays by Amex Cart team created balances on uncredited disputes and fraud charges. Delays in investigating this created finance charges on the account as well. When I accelerated the case to the executive team at Amex, Mr. XXXX XXXX accepted the delays were created by the Amex Cart team and apologized but he still did not issue a full credit. Further some credits that he found were not credited to the amount of {$6800.00}. He emailed us that this amount should be credited but this was never issued by Amex. Interest on these have been continuing for the past ten years. We have sent dozens and dozens of emails, phone calls and reminders to their executive and consumer complaint team hoping they would take ownership of their errors and accept the emails of their former employees. In the interim the account was on auto-pay and they were charging us monthly interest of over 30 %.
The reason we couldnt stop this minimum atuo-pay is because they would report nonpayment to the credit agencies, and they would ruin Mr. XXXX credit.
I just reached out to Amexs executive team again to request to resolve this, and they found uncredited fraud charges for {$1000.00}, however, the interest rates charged on balances were approximately 30 % and the credits issued were calculated at a nominal interest rate. Approximately {$47000.00} has been paid in interest only till date on these uncredited disputes and fraud charges which despite immense patience and several emails to Amex has not be credited.
Attached are emails to the account representatives.
List of accumulated Finance Charges due to non-issued credits on time by Amex that need to be credited at the same high rate of interest it was billed at : FC '07 {$530.00} FC '08 {$3600.00} FC '09 {$4600.00} FC '10 {$4500.00} FC '11 {$4400.00} FC '12 {$4700.00} FC '13 {$4400.00} FC '14 {$4300.00} FC '15 {$4900.00} FC '16 {$3400.00} FC '17 {$4500.00} FC '18 {$2500.00} TOTAL Finance Charges {$46000.00} Additional Payments from XXXX {$4200.00} Total excess paid XXXX {$50000.00} List of disputes that created the finance charges.
Date Account $ Amount Notes XX/XX/XXXX XXXX XXXX {$78.00} Returned XX/XX/XXXX XXXX XXXX {$140.00} Returned XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} Returned XX/XX/XXXX XXXX XXXX XXXX XXXX {$99.00} Returned XX/XX/XXXX XXXX XXXX XXXX XXXX {$72.00} Returned XX/XX/XXXX XXXX {$500.00} Returned XX/XX/XXXX XXXX {$670.00} Returned XX/XX/XXXX XXXX {$850.00} Returned XX/XX/XXXX XXXX XXXX XXXX {$220.00} Returned XX/XX/XXXX XXXX XXXX XXXX {$150.00} Returned XX/XX/XXXX XXXX XXXX {$100.00} this credit was missed by store, other credits given XX/XX/XXXX XXXX XXXX {$530.00} this was wrongly billed ( there was a credit due ) XX/XX/XXXX XXXX XXXX {$75.00} disputed this amount ( wrong charge ) XX/XX/XXXX XXXX XXXX XXXX {$80.00} 1 purchase additional wrong billing XX/XX/XXXX XXXX XXXX XXXX {$50.00} 1 purchase additional wrong billing XX/XX/XXXX XXXX XXXX {$160.00} Returned XX/XX/XXXX XXXX XXXX {$330.00} Returned XX/XX/XXXX XXXX {$15.00} this was to be credited Below are fraud charges that created additional finance charges.
Date Account $ Amount Notes XX/XX/XXXX XXXX - XXXX Fraud {$120.00} Fraud XX/XX/XXXX XXXX - XXXX XXXX {$69.00} Fraud XX/XX/XXXX XXXX - XXXX Fraud {$200.00} Charge was rebilled on XXXX XXXX " card Transfer Debit of Purchase '' XX/XX/XXXX XXXX - XXXX Fraud {$150.00} Fraud XX/XX/XXXX XXXX - XXXX Fraud {$200.00} Fraud XX/XX/XXXX XXXX {$110.00} Dont recognize the charge XX/XX/XXXX XXXX XXXX {$50.00} charge not recognized XX/XX/XXXX XXXX in XXXX {$380.00} Dont recognize the charge Below are Amex Bag insurance charges that were automatically added which were immediately requested to be removed these also had finance charges on them.
Date Account $ Amount Notes XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$10.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$10.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$11.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited XX/XX/XXXX amex {$9.00} Baggage insurance, not needed, Called to be credited
Company Response: Closed with monetary relief
2019-08-02
Franklin Lks, NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-08-02
Little Rock, AR
Unexpected or other fees
Credit card or prepaid card: General-purpose prepaid card
Company Response: Closed with explanation
2019-08-02
Brookside, NJ
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
2019-08-02
Albertville, AL
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-08-02
Fort Pierce, 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
Company Response: Closed with monetary relief
2019-08-02
San Jacinto, CA
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: Hard inquiry placed under my name, called and attempted to explain situation they stated hard inquiry would be removed but it has been longer than 30 days and it is still on.
Company Response: Closed with non-monetary relief
2019-08-02
Sarasota, FL
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-08-02
Houston, TX
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
2019-08-01
Cleveland, OH
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 applied for a credit card offer from American Express. I confirmed that I was eligible to receive the advertised bonus by meeting the specified spending amount ( {$3000.00} ). I then met that spend amount with legitimate charges. When the bonus didn't post, I inquired and was told the offer had been rescinded " because we can do anything we want at any time ''. Paraphrasing, but darn close. Doesn't seem like a legal, healthy business stance to me.
I wrote to AMEX via email ( 2 different addresses found online : XXXX and XXXX. I'm not sure which one worked ( one emailed bounced back ). This was on XX/XX/2019. The email did result in a phone call. The message was a firm statement that they can not change this decision.
I did close a few of my AMEX accounts and may do one more. I thought perhaps I would get over it. However, 6 months later and I'm still disgusted that a company like American Express can get away with this kind of non-sense. I'm interested in seeing that they don't, and to let others know that they do this kind of silly thing.
I will attach the original email I sent for your review. Much more detail is in there, and I'd be happy to answer any other questions. Thanks for your support.
Company Response: Closed with non-monetary relief
2019-08-01
San Marcos, TX
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
2019-08-01
Las Vegas, NV
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
Complaint: On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX /XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX
Company Response: Closed with explanation
2019-08-01
Glendale, AZ
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Company Response: Closed with explanation
2019-08-01
Bel Alton, MD
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I spoke with American Express on Tuesday, XXXX, XXXX 2019 around XXXXXXXX XXXX considering my suspended paid overtime feature. The Customer Service Representative stated that she was going to put me on hold and speak with the Risk Management Department. After 15 minutes past by she finally came back to the phone and said Mr. XXXX they had your account up for review and they reinstated your pay over time. I asked her a few more questions and she put me on hold once again, after 20 minutes went by I had to hang up the phone. I just checked my account today which is XX/XX/2019 and the suspension for paid overtime is still there. I called back today once again and NOW I'm getting the run around nobody knows anything.
Company Response: Closed with explanation
2019-08-01
Nitta Yuma, MS
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
2019-07-31
GA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem using the card to withdraw money from an ATM
Complaint: date XX/XX/2019 tried to login and Bluebird by American Express website is offline.
The site is down right now cant get food cant withdraw money or make purchases stranded with no way for me to transfer funds no action where taken when i called about issue customer service just keeps hanging up on me with no answers please help asap!! this unexceptionable
Company Response: Closed with explanation
2019-07-31
Soquel, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Hello, I recently had my Bluebird by American Express account shut down at random. I have previously used the card with no issues. This time I have attempted to withdraw part of my XXXX $ in the account. The card declined. Then I called american express 's customer service and can only get an automated response. I am on XXXX and most of my money was on this account which I am now having witheld from me. I am afraid of the possibility of bankruptcy and this closure happened with no warning. I dont know how I will pay my bills or buy groceries now with American Express hoarding the last of my XXXX check. Please I need help recovering these funds as I have done nothing wrong. Thank you so much.
Company Response: Closed with explanation
2019-07-31
Gretna, LA
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: There were undescribed charges on my account for a XXXX, XXXX, for XXXX that was taking out of my account not monthly, it was taken out whenever sometimes 3 or 2 times a month. The bank doesn't even know what company it was. I made a dispute with the charge with the bank but they right away denied it not even looking into the charge or the company. I looked up the company myself and the XXXX have the company down as a possible fraudulent credit reporting agency with many problems. I tried to get in touch with the company but they keep saying the issue is going to get corrected but they never did, as a matter-of-fact, they can't even find my subscription. I even tried to log in to my supposed subscription and couldn't log in, it keeps giving me an error on my email address and I tried both of my emails. The American Express Serve customer service done the dispute but within 5 days they denied it. They did replace my debit card like that was going to refund my money back. The XXXX fraud company supposed to be monthly subscription but the was taking out more than once a month. They keep telling me to contact the company but it's not possible to get anything done with the company because it's a fraud, so they say they will fix the problem but don't. The XXXX was stating that this company has many different names as well. No email was ever sent about the drafts at all!
Charges dates and amounts from start of the first draft.
XX/XX/2019XXXXXX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Company Response: Closed with explanation
2019-07-31
TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: I hold an American Express Platinum account which I no longer desire. I have no balance, on good terms, and paid the $ 550+ annual fee in advance for the year. I called CSR on XX/XX/19 to cancel the card. I was told that I had remaining membership points I would forfeit by cancelling the card. I replied that I was comfortable forfeiting all points.
I was then told I would be charged for all membership points received to-date as that was in my Cardmember Agreement. I replied that it was highly illegal for American Express to prevent me from cancelled my account and also claim they had ground to charge me for membership points I'd received in the past. CSR refused to budge. I continued to request the card be cancelled regardless of what CSR was saying. I paid my balances in-full and I paid my annual membership fee. That was the extent of my responsibility under the Cardmember Agreement.
Company Response: Closed with explanation
2019-07-31
NH
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: In XX/XX/XXXX tried to set up payment plan in debt ex husband XXXX XXXX used credit card. That was not in my legal name. Name was never XXXX XXXX, which the account was opened. I fell behind due to the balance representative from American Express told me I could set up a payment plan if I caught my balance up I did so and they said I couldnt set up a payment plan so representative lied to me. I stopped paying on account in XX/XX/XXXX. American Express sued me in NH at XXXX Superior Court XX/XX/XXXX American Express or their legal team showed. The court ruled in my favor and case was closed. I am now getting new letters from new representatives of American Express threatening to sue me again. NH statute of limitations has passed. I understand it will show on my credit report but they shouldnt be reporting new missed payments, and have new legal teams harassing me after they failed to go to court. Case has been closed. I can reach out to XXXX Superior Court to get the case number.
Company Response: Closed with explanation