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 46
2019-07-09
Stillwater, OK
Trouble using the card
Credit card or prepaid card: Government benefit card
Problem with direct deposit
Company Response: Closed with explanation
2019-07-08
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with explanation
2019-07-08
East Rockaway, NY
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-07-08
Airmont, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with non-monetary relief
2019-07-08
Northside, NC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2019-07-08
Burlingame, CA
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: I filed a complaint last year regarding American Express Serve, they claimed my account was over drawn by {XXXX}. I provided statement records showing that they never added a refund from a return from XXXX. I kept getting the run around and they never could show when and where the money was ever returned to my account which resulted in a very rare overdraft of {XXXX} on a XXXX account. Regardless I was tired of dealing with it and they would not let me close the account so I figured I would deal with it later. I continued to receive monthly emails informing me that my account was XXXX} overdrawn until XX/XX/XXXX when I received this email : During a recent review of your American Express Serve Account we noticed activity that was in violation of the Serve Member Agreement, section : XXXX.
Due to the violation your Account has been locked and your Account privileges have been suspended.
If you have any questions, please call XXXX XXXX XXXX at XXXX.
I hadn't used the account for months and when I tried calling I get a message informing me that I can only write the address they will provide and that I can NOT speak to any on the phone regarding any of activity they are referring to. Odiously something happened on XX/XX/XXXX because on XX/XX/XXXX I received an email showing my account had a credit of {XXXX}. I tried to get some information but my account was now suspended, I had been blocked from speaking to any one and I had no access to my money or information as to how I went from owing them {XXXX} to now having a credit of {XXXX} that I can't access. Finally I decided to order something from XXXX for around {XXXX}. I quickly received this email : During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement.
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.
Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account.
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I hadn't done anything to violate any terms, my account has been suspended with a negative balance for months and only as of XX/XX/XXXX did I have a credit for an account I cant access. These people are dirty and I want to see my statement and what happened that made my account go positive. I think i have every right to know why I had an account I could not access or even close. Thank You
Company Response: Closed with explanation
2019-07-08
Gainesville, GA
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
2019-07-08
Old Westfield, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Company Response: Closed with non-monetary relief
2019-07-07
Nashua, NH
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 explanation
2019-07-07
Central Valley, 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: I opened an American Express Gold XXXX XXXX credit card in XX/XX/2019. It came with a XXXX bonus mile offer after I spent {$2000.00} within 3 months. On XX/XX/2019, I satisfied the spending requirement when my credit card reached {$2000.00}. Attached are my first two billing statements that prove this. I've called AmEx XXXX times and they told me they have 8-12 weeks to put the bonus miles in my XXXX account, but that they 1 ) saw that I had met the required {$2000.00} spend limit within 3months of my open account and 2 ) that my offer does include a XXXX XXXX XXXX bonus. They told me they have 12 weeks from XX/XX/XXXX to pay the miles. XX/XX/XXXX was exactly XXXX weeks from XX/XX/XXXX, so on XX/XX/XXXX I had an online chat with AmEx. I was told that the marketing department has to review the matter, that I can not speak to them since they do not speak to customers, and that it would take 6-8 weeks for the XXXX department to review this. They said that they'd put a request to review the matter on an expedited basis and that I could try calling back in 3-5 business days, but since the XX/XX/XXXX holiday was coming up, I'd probably not get any result. As of today, XX/XX/XXXX, I still haven't received any bonus XXXX from XXXX. It has now been more than 13 weeks since I met my {$2000.00} minimum spend requirement.
Company Response: Closed with non-monetary relief
2019-07-06
Atlanta, GA
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
Complaint: On XXXX XXXX 2019, I discovered that my AMEX / Bluebird card was hacked for 2 unauthorized transactions totaling {$200.00}. I also received an alert from Bluebird that the same company ( XXXX ) or XXXX XXXX XXXX I couldn't get anyone to cooperate and explain how they blocked 1 unauthorized attempt for {$1500.00} but allowed the same company to hack my account for {$200.00}. I requested 2 dispute resolutions and also requested Bluebird to email a declaration of fraud and they refused. 3 out of the 7 calls I requested a manager / supervisor and after being on hold for 20 minutes I am transferred to someone and phone disconnects. American Express Bluebird is guilty of fiduciary negligence / breach of security and allowing my SSDI direct deposit funds to be hacked. As a XXXX person I demanded a provisional credit until funds are back in my account and that was denied. This is second time within 6 months that my account has been hacked and I will be shutting this card down and consider taking legal action against AMEX / Bluebird. Complaint also sent to FBI IC3.
Company Response: Closed with monetary relief
2019-07-06
Bronx, NY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2019-07-05
Fort Worth, TX
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
2019-07-05
Federal Way, WA
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
Complaint: I was celebrating a friends birthday with a group of people in XXXX XXXX at a location called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I noticed multiple fraudulent transactions totaling {XXXX} from XXXX XXXX on my AMEX credit card. I immediately called to report the fraud. The claim was denied, and I was told that XXXX had surveillance footage of me at the location as well as signed receipts. I told them surveillance footage did not prove anything as I admit I was at the location but I did not authorize the charges. I requested copies of the evidence, AMEX informed they sent them but I told them I did not receive it. I proceeded to appeal the fraud multiple times, the last time being XX/XX/2019. I called on XX/XX/2019 to find out what was going on and was finally informed that the evidence was attached in my online banking. I reviewed the evidence, and can confirm that the signatures are not mine. This is signature fraud. I informed the AMEX customer service representative XXXX XXXX - employee ID XXXX ) who refused to acknowledge what I was saying. I'm extremely frustrated at the way this was handled by AMEX. According to the fair credit reporting act I should not be liable for these charges however, AMEX is refusing to protect me.
Company Response: Closed with explanation
2019-07-05
Chula Vista, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: The account has been settled since 2014 and is still affecting my credit report.
Company Response: Closed with explanation
2019-07-05
Foster, OH
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-07-05
Brooklyn, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-07-05
Smyrna, GA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Closed with non-monetary relief
2019-07-05
Billerica, MA
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Card company isn't resolving a dispute about a purchase or transfer
Complaint: I have been in contact the the merchant ( XXXX ) three times since they have received my property that i have paid for and is now sitting in a warehouse. XXXX keeps telling me they will send me an email when the return is processed. XXXX has a histoy of not honoring returns and providing refunds which is why I contacted American Express Serve.
I called American Express Serve ( American Express XXXX XXXX ) on XX/XX/19 to start a dispute in the amount of {$250.00} for an item that was returned to the merchant with Signature Confirmation on XX/XX/19.
American Express is telling me that they are unable to open a dispute for 30 calendar days.
I simply want my partial refund back.
Company Response: Closed with explanation
2019-07-05
Wallington, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: In XX/XX/2018, I closed an American Express Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. American Express made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program.
I spoke to an Amex representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address.
I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, American Express was still reflecting that I had not paid the debt, though I had done so more than a year earlier.
I am very distressed by this situation, as the identity theft has severely impacted my XXXXredit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.
Company Response: Closed with explanation
2019-07-05
Lakewood, NJ
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-07-04
Key Biscayne, FL
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
2019-07-04
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Mr XXXX XXXX and Mrs XXXX XXXX XXXX / XXXX To Consumer Financial Protection Bureau Re : XXXX account ending XXXX and Platinum account ending XXXX In XXXX, we opened an Amex XXXX card offered to the XXXX XXXX XXXX Private Bank platform, of which we are clients. In the following month, we also opened a Platinum card.
Since then, we have had multiple issues with the membership, causing us financial, security and even moral damages, and after several attempts at contacting Amex, no solution has been presented yet.
Issue # 1 : Around [ XX/XX/XXXX ] of XXXX, we received an additional card that was never requested of a person that is not known to us, named XXXX XXXX. The card is linked to our account and can be visualized when we access our account online. Not only is a very serious security and financial, but it also created a very uncomfortable personal situation.
A copy of the card and a screenshot of our online access showing the card is linked to our account is attached.
Issue # 2 : Amex XXXX cards offered through XXXX XXXX have initiating fees ( {$5000.00} ) and first additional card fee ( {$1500.00} ) waived. However, we were unduly charged these fees : {$5000.00} on XX/XX/XXXX and {$1500.00} in XX/XX/XXXX. We have not yet been refunded, despite our complaint.
( Copies of the statements showing the charges are attached ).
Issue # 3 : Both XXXX and Platinum have terrible customer service lines. We can never connect and, when we do, the quality of the call is always very low. We have tried calling from different numbers, but we always encounter the same issue. Also, XXXX claims to offer assistance in XXXX, but that is not the case. Trying to resolve the issues above with this customer service has been impossible. We asked Amex for a physical or e-mail address to send a letter with our complaints, but after waiting on the phone for XXXX minutes, we were told there were none the only way to make a complaint is through the telephone.
After months of unsuccessfully attempting to address our issues directly with Amex, we are turning to you hoping that you can help us reach a solution. To resolve the problem, we would like to have XXXX XXXX immediately removed from our account. We would also like a refund of the {$6500.00} paid in fees. Last, but not least, we also suggest improvements in the call center as well as the availability of assistance in XXXX, as advertised.
We look forward to your reply. Please contact us at the above address, by e-mail at XXXX or XXXX or by phone at XXXX XXXX XXXX.
Sincerely, XXXX XXXX and XXXX XXXX
Company Response: Closed with monetary relief
2019-07-04
Hon, HI
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 2018 I opened a credit line with American Express because of the {$200.00} cash back promise offered if I spent {$1000.00} dollars in the first three months of opening the account. The card also had a 0 % interest introductory offer for 12 months.
Soon after receiving the card in the mail, I went on a 4 week road trip where I was not regularly checking my emails. I was using the card regularly on the trip and felt confident I would reach the {$1000.00} spending goal by purchasing meals and gas on my trip.
I connected my bank account for automatic ACH payments and always have had more than enough cash available to cover the entire balance on the card.
Towards the end of my trip, I logged into my email to see a notice that said my card was being cancelled for non-payment.
This must be an error, I thought. My bank account was connected and I accepted all of the terms for automatic payments. I had never received any call, never had a voicemail, and never spoke with a human about that status of my account - I only received a single email telling me of a failed payment, and then soon after an email that my account was being closed.
I called as soon as possible and was told that there was a failed payment on my account. I told the representative there must be an error and re-entered my bank account details ( double checking every number ) so the payment would go through without issue, and asked the representative that they submit a request to not cancel my card. A few days later I got another notice ( by email ) that the payment failed, and that my request to prevent the cancellation was denied.
I called again and I said there must be an error because I double checked my payment information to be correct. Eventually the American Express representative and I conference called with my bank and were able to get a payment of {$400.00} to go through ( well above the minimum payment, in good faith ).
At that time I also requested that my card not be cancelled as I had made every effort to make my payments on time, and had been completely able to do so. I was told to wait and someone would reach out to me about the decision, but that I could keep using my card and that the late fees would be removed as a courtesy.
A couple days later, still no word from anyone at American Express, I reached out again to see the status. I was told that my request was denied and my card would be cancelled. I told them they could cancel the card if they wanted, but I still would like to spend the remaining amount required to receive my cash back bonus.
At this point in time I was approximately {$20.00} away from reaching my {$1000.00} spending goal to get my {$200.00} cash back reward.
To my dismay, the card was cancelled immediately thereafter, preventing me from spending another {$20.00} on gas or any other purchase. I saw on my account that not only did I still have the late fee charges on my account, but also I had been charged interest on the debt.
At this point I arrived back in Hawaii and still wanted to resolve this issue. Because Hawaii is a one-party consent state, I began recording all of my communications with American Express.
I spoke with multiple people including customer service managers and was eventually told that I would have any interest and late fees removed from my account ( It was a 0 % interested rate card ), and that they would look into whether American Express could honor their cashback offer which was the reason I signed up for the card in the first place. I was told that I would be contacted, and to wait.
Over the next several weeks I would not receive any communication from American Express, causing me to reach out on my own, and be told the same thing as the previous conversation, this time by another manager. I was told that the representative would initiate an investigation into my cashback bonus and in the meantime would remove the interest and fees. Each time I spoke with someone I was told that I would receive a call. Each time, I never received any type of communication back.
Eventually my account was closed and sent to XXXX XXXX. I spoke with a manager at American Express and asked them to recall the account from the collection agency so we could resolve it. He told me he would do what he could and to wait for a response. Once again, I heard nothing. I reached out to XXXX XXXX and asked that they send the account back to American Express so we could resolve our dispute.
I called American Express and told them again about the situation, they said that they would try to accept the account back, would remove the interest and late charges as I was repeatedly told would happen, and that I could expect a call from the legal department about my situation.
Surprise! I was never contacted.
That was the last I have been in contact with American Express or XXXX XXXX, Now, however, I am getting calls from a different collection agency called XXXX.
I'm honestly not sure who owns this account any more, but I am quite upset about the way that I was treated by American Express - I feel lied to, cheated and defrauded.
I would like to resolve this issue without needing to escalate it any further.
I am only looking to find a fair outcome to this situation, and my hope is that we can resolve things amicably.
Company Response: Closed with explanation
2019-07-04
Old Westfield, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation