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 48
2019-07-02
WA
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: American Express advertised no membership fee for military. I then applied, selected the drop down box for military because I am XXXX XXXX, and was informed I was approved. I later recieved the card and subsequently a statement showing a {$550.00} 'membership fee. ' I contacted them afterwards and was told they would initiate a Servicemembers Civil Relief Act inquiry for me that would delete the fee. The {$550.00} charge reappeared again the following month and I again contacted American Express and they said I needed to submit 'verification ' documents, so I subsequently submitted my activation orders. The fee then appeared again on my next statement so I contacted them again and they opened another SCRA inquiry. Eventually, they were able to confirm my XXXX XXXX status and waived the membership fee. However, they did a credit reporting that I missed two payments for that fee they eventually waived. So, while they ultimately did give me 'SCRA status ' and waived the late fees, they refused to address their credit reporting of 'missed payment ' ( for jot paying fee ). My credit score took a 100 point drop as a result.
Company Response: Closed with monetary relief
2019-07-02
Mission, TX
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem adding money
Company Response: Closed with explanation
2019-07-01
Seattle, WA
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
2019-07-01
Norlina, NC
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 non-monetary relief
2019-07-01
Brooklyn, 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
2019-07-01
Fullerton, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-01
Coon Rapids, MN
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
2019-07-01
Gainesville, FL
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
2019-06-30
Arroyo Seco, NM
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: All my money has been stolen. I am living in the streets because if this. Just help me please. I'm not phone savwy so help me
Company Response: Closed with explanation
2019-06-30
Bentley, MI
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
Complaint: On XX/XX/2019 I had received a notice from American Express that they lowered my credit line from {$15000.00} to {$11000.00} with no explanation. I contacted the company several times and spoke with several people to try and get this resolved. The decrease left roughly {$100.00} of available credit and bring my utilization from roughly 75 % to 99 % this had significantly impacted my credit score by reporting a maxed out line. On top of that on XX/XX/19 they processed an interest charge on the account that resulted in a credit hit showing that I charged over the balance when I did not. I have spoke with an attorney and will be pursuing a class action lawsuit against the company if this does not get fixed as soon as possible.
Company Response: Closed with explanation
2019-06-30
IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: I believe I was subject to deceptive marketing practices during an application for an American Express product.
I received a pre-approval offer in the mail for an Amex XXXX Credit Card. On XX/XX/19, I followed the instructions to apply at the provided URL ( amex.us ) In the physical materials presented in the letter, and provided my personal information. I was then presented with a Terms and Conditions page. I read the Terms and Conditions and pressed Agree & Submit Application.
On the subsequent screen, I was presented with my credit limit of {$25000.00}, and a maximum balance transfer limit of {$5000.00}. I was also prompted to provide the credit card number ( s ) for the balance transfer ( s ). However, prior to this screen, I had not been briefed on the {$5000.00} limit, nor on any limit other than the corresponding credit limit on the card.
However, had I known this information in advance, it would have changed my decision to apply for the product and avoided the addition of a hard inquiry to my credit report and a subsequent lowering of my credit score.
I immediately contacted Amex at XXXX ( XXXX ) XXXX to express my concern. I spoke to a representative and described that I was in the midst of an online application process for an Amex XXXX Credit Card, and that I had just been presented with the {$5000.00} balance transfer limit. I also noted that this information was not presented in the physical materials accompanying my pre-approval letter ; nor was it present in the terms & conditions screen on the online application process ; nor was it present in the Amex XXXX Credit Card Cardmember Agreement available from the Amex website at https : //www.americanexpress.comXXXX
The representative told me he was forwarding me to a different department. I was subsequently forwarded back to the options menu I had originally been presented with when dialing the aforementioned number. I was not forwarded to a different department. I proceeded to navigate through the options once again, and for the second time I narrated the above concerns to a different representative. This time, the representative once again told me he would forward me to a different department, upon which I was dialed to a number that immediately hung up.
For a third time, I contacted Amex at XXXX ( XXXX ) XXXX to express my concern. I re-narrated the fact I was in the midst of an online application process after following the steps in a physical pre-approval letter. I noted once again that my concern that the balance transfer limit amount was not stated anywhere in the application or terms and conditions. The representative helpfully forwarded me to a different department and briefed the other representative on my narrative.
For the fourth time, I spoke with this other representative and re-stated my concerns that the maximum balance transfer limit was not presented anywhere in the application process or terms and conditions. The representative confirmed that {$5000.00} was the maximum balance transfer amount for the Amex XXXX Credit Card irrespective of creditworthiness. I believe that this is a deceptive marketing practice as this information could have easily been conveyed in the physical paper headlined Important Information regarding Rates, Fees, And other Cost Information or in the online Terms & Conditions presented earlier in the process. The representative confirmed that the {$5000.00} limit is not stated anywhere in these materials. I suggested to the representative that this information be added to the terms and conditions. The representative noted that she had recorded my suggestion, but that there is otherwise nothing she could to increase the balance transfer limit on the application as it is a universal limit for all Amex XXXX Credit Card applications. The representative also confirmed that this application is accompanied by a hard inquiry.
It is common knowledge that a greater number of recent hard inquiries negatively impacts ones credit score. Thus, my credit score, and by extension my creditworthiness, was negatively impacted by the deceptive marketing practice performed by American Express.
For reference, I am reproducing below the full Balance Transfer clause from the Terms and Conditions section in the physical letter I received that was identically stated in the Terms and Conditions in the online application process.
Balance Transfers : Only balance transfers from accounts in your name requested within 60 days from the date of account opening will be approved. We will charge your Card account for the total approved amount of all balance transfers. Each transfer will reduce your available credit just like any other transaction. You may request a balance transfer up to the eligible transfer amount, which will be based on your credit worthiness and other factors including your account history with American Express. You may not request a balance transfer amount less than {$100.00} and the total amount of balance transfer request ( s ) must not exceed your credit limit. We will not initiate any balance transfer until at least ten days after we have mailed or otherwise provided the Card Member Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all required payments on any account from which you are transferring a balance until the balance transfer is credited to that account. You authorize us to verify the balance of such accounts. You may not transfer balances from any account issued by American Express or any of its affiliates. Additional Card Members may not request or authorize balance transfers.
Note that this clause states You may request a balance transfer up to the eligible transfer amount, which will be based on your credit worthiness and other factors including your account history with American Express. You may not request a balance transfer amount less than {$100.00} and the total amount of balance transfer request ( s ) must not exceed your credit limit. Any reasonable person would interpret the latter statement as stating that the balance transfer limit could potentially be as high as the credit limit on the credit card. Moreover, any reasonable person would interpret the former statement as stating that better creditworthiness implies a higher balance transfer limit. Under no circumstances is it possible to infer from this clause that a hard {$5000.00} balance transfer limit is present for applications for the Amex XXXX Credit Card.
It is altogether fitting that Amex disclose this information in their Terms and Conditions, as it is material information that may affect whether or not a consumer decides to apply for this product, and subsequently affects their creditworthiness by way of a hard inquiry.
Company Response: Closed with explanation
2019-06-30
Shulerville, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Bill for amex card was sent to wrong address. I was never notified by phone or email despite having this card since XX/XX/1969. Card was charged on an automatic annual charge and bill was sent to incorrect address, the charge was {$25.00}. This card was used for a transaction and declined thus making me first aware of a problem with this card. I then called Amex and learned that they cancelled this account, reported me to XX/XX/XXXX and my credit score was negatively impacted. In addition they lowered my credit limit on an additional Amex that I have also had since XX/XX/1969 and cancelled over XXXX points. I have always paid on time and never was made aware that I had a XXXX balance on the canceled card that was sent to the wrong address. When I asked them to increase my credit limit back to what it was on my additional account prior to this incident I was told no. I was also told no to reinstating my canceled points. The reason they gave me was that my credit card score was lowered due to nonpayment of my credit card. This is outrageous, they are blaming me for a problem that they created and now refuse to fix this issue even though I have had outstanding credit history with them since XX/XX/1969. I want my current card 's credit limit increased back to what it originally was and my credit score corrected immediately and my points reinstated. I am appalled as to how I was treated by Amex.
Company Response: Closed with non-monetary relief
2019-06-29
Staten Island, 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
Company Response: Closed with explanation
2019-06-29
MN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I had an XXXX XXXX XXXX which has an annual fee of {$450.00} billed every XXXX. In XXXX I downgraded to a NO annual fee card and I was supposed to get a prorated refund for the remainder of the year till XX/XX/XXXX.
In XXXX I received an upgrade offer. In XXXX, I was told I am not eligible for the upgrade bonus offer. So I downgraded again.
But I never received the annual prorated fee from XXXX.
In XXXX I was told they will open a ticket and let me know when and how much would I get the prorated annual fee refund?
I have still not received the prorated refund.
I have already contacted more than 5 times regarding this issue and still no resolution.
On XX/XX/XXXX when I contacted Amex again, they are telling me they can give a prorated refund of {$75.00} only instead of {$300.00}
Company Response: Closed with explanation
2019-06-29
Brooklyn Heights, OH
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation
2019-06-29
Tampa, FL
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 XX/XX/2019, at XXXX I attempted to make an ATM withdraw using my American Express BlueBird Credit Card ( XXXX ), at XXXX Gas Station on XXXX XXXX, XXXX XXXX, FL XXXX, for the amount of {$740.00}.
During this transaction, the ATM attempted to dispensed the money, however, the ATM door never opened, and the transaction was over. I quickly through up my hands stepped back, and called for a store manager.
The General Manager of the XXXX came over, I explained the situation, and she advised they don't have anything to do with the ATM, and gave me a number to file a claim, ( XXXX ).
In speaking with two Agents, they confirmed there is nothing they could assist with, and I need to call my Credit Card Company, ( American Express BlueBird ), and file an claim with them.
Since XX/XX/2019, I have filed a claim with American Express, who advised I would receive an provisional credit within 10 Business Days. In addition, I was able to speak with Executive Office for XXXX, who provided additional information regarding filing a claim through them, however, the request would have to come from General Manager for that XXXX.I called and requested for the General Manager to place a req to have the ATM check, and she said she couldn't get involved.
I'm sending this complaint, due to American Express Bluebird, still hasn't sent the follow-up email to provided them with additional information, nor do they have any since of urgency to assist with resolving this matter.
My back is also up against the wall with the fact, I was withdrawing the {$740.00} to pay my car payment that is due on XX/XX/2019.
Please understand my car payment can not be late, or I will go 30 days past due, and I'm trying to buy a house.
I understand there is a process, but no one I have reach out to has acted is if they care. Everyone just keeps saying the same thing, contact your bank, and American Express bluebird keep saying, we have a process.
Thank you
Company Response: Closed with explanation
2019-06-29
Orion Twp, 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: I have an American Express Serve Care. There is a disputed charge on card for {$69.00} with XXXX, who Ive never heard of and cant contact for credit!
I have store credits from XXXX, all made by merchant on same day! American Express has credited some but not all, for no reason!
Company Response: Closed with explanation
2019-06-29
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
Complaint: A NEW COMPLAINT!
American Express keeps pulling the same unprofessional mess by holding my money that is credit back to my account. They keep my money tied up unnecessarily for ten days or more. They are holding {$510.00} and {$120.00} when it was credit back to my account. The employees talked revolting and show they are power hungry. The manager said to me ; she didn't care if I filed a complaint through theF.T.C. American Express talks down to consumers. This company has a high disregard for XXXX and Veterans. If a company is giving a XXXX Vet a hard time, imagine what they are doing to the regular consumers. They are robbing others and me. They must be shut down or locked up. Are they too big to fail?
Company Response: Closed with explanation
2019-06-28
Rocky Ridge, MD
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 explanation
2019-06-28
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-06-28
NY
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 XX/XX/2019 I made an online purchase from XXXX in the amount of {$320.00} which was charged to my American Expess Serve Pre-Paid Debit card ending in # XXXX. They had to order it for delivery to the local store for pickup by me. On XX/XX/2019 I picked up the items from the local XXXX XXXX XXXX # XXXX. I was remodeling a bedroom and wasn't ready to install the closet bi-fold doors yet ( The items I picked up ). When I was ready to install the doors I opened the packages and discovered that 1 of the doors was damaged and both doors had a very poor finish and were not of satisfactory quality. On XX/XX/2019 I returned both bi-fold doors to the local XXXX XXXX XXXX # XXXX for a refund of the purchase price of {$320.00} to be credited back to my American Express Service re-Paid Debit card ending in # XXXX. On XX/XX/2019 I received an email from American Express Serve stating my Serve Account ending in # XXXX was suspended due to " one or more credits were issued on your account that did not have a corresponding debit ''. This was a plain fraudulent misrepresentation. I have printed documentation from the Serve website regarding my transaction history which clearly lists both transactions. I called them numerous times since XX/XX/2019 to request this problem be corrected and was told they would submit my request to their " BACK OFFICE '' for review. Each time I have called I receive the same response. In addition I am told there is no time frame for this to be resolved and that I would receive an email from the " BACK OFFICE '' as soon as it is resolved. On XX/XX/2019 they restored the funds back to my Serve account # XXXX, however they locked the account so I would not be able to withdraw the funds and cancel my account. They told me it was still under Merchant Transaction Review. They have taken 11 days not to review this transaction and clearly can see it in my transaction history. The only method of reaching the Serve Card Team is by Phone to XXXX which connects me to the XXXX, Account Protection Service. There is NO USA number to call and reach someone who can resolve this issue. The customer service number on the card goes to a voice mail prompt asking what type of problem and never connects to a human being. It is now XX/XX/2019 and I am still waiting for my email from the " BACK OFFICE ''
Company Response: Closed with explanation
2019-06-28
Titusville, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-06-27
East Haven, CT
Unexpected or other fees
Credit card or prepaid card: General-purpose prepaid card
Company Response: Closed with explanation
2019-06-27
Henderson, NV
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2019-06-27
Henderson, NV
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation