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 50
2019-06-23
Sylvania Township, OH
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: This is a letter I am mailing to the company. I already talked to them on the phone, but I want to send a formal complaint in writing. It has all of the pertinent information in it.
" To whom it may concern : I am writing this letter in regards to my American Express Serve/XXXX XXXX card. It was brought to my attention yesterday ( XX/XX/2019 ) that my account was permanently closed due to a violation in the member/user agreement per Section " 15D ''. I have read such section, which is very vague, and I am not sure what " violation '' American Express is alledging I did. What a way to do business! I was NEVER contacted, PRIOR to you closing my account. Instead of you attempting to communicate with me to ensure my account was protected, or even find out if I was aware of suspicious activity, you close my account. I work for the XXXX XXXX ( a XXXX XXXX ), and I have NEVER done anything illegal and/or inappropriate with my card. I am formally notifying you that there obviously been some fraudulent activity relating to my card, that I was not aware of, and your company so graciously waited until AFTER the alledged activity to make me aware of it. Via the Freedom of Information Act, I am requesting a copy of ALL my transactions connected with your decision to close my account. I am also requesting arbritration for your decision. I am also contacting the XXXX, Consumer Protection, FCC, Ohio Attorney General, and any other entity or individual I can think of that can assist me with this matter.
I only used this card in a " normal '' fashion, the same as an average person would. Subsequently, whatever you are alledging I did that resulted in a permanent closing of my account, was NOT of MY doing, or MY authorization/permission. Someone has infiltrated my sensitive information and your " company '' is punishing me for it.
I feel the way American Express has handled this is NOT best practices and really is an indication you have no concern for the cardholder.
I would appreciate a timely reply, and that this reply has as much diligence and enthusiasm you did when you arbitrarily and capriciously made an unilateral decision to close my account. ''
Company Response: Closed with non-monetary relief
2019-06-23
ME
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: I was offered a 1.99 % rate promotion on my credit card balance until XX/XX/2020. I was a little confused by how the offer worked so I contacted AMEX toask a specific question about how this would work with my current and end of XX/XX/XXXX statement balance. I was assured that the 1.99 % rate would apply to my existing balance at the end of my XX/XX/XXXX statement. When I received my XX/XX/XXXX statement I was charged 17.24 % interest so I contacted them to ask why they said that the 1.99 % rate was only in effect for purchases after XX/XX/XXXX ( the day I signed up ). I pointed out that this was not what I was told by the agent on XX/XX/XXXX and they could see it in the prior chat conversation but said that they were sorry for the inconvenience but the prior agent had either misunderstood my question or misinformed me but there was nothing they could do about it. I asked to speak to a supervisor and she basically told me the same thing. I have a long history with this company of paying my balance in full each month so why would I have agreed to pay 17.24 % on this balance? If I needed to secure funds to pay the balance off I would have used my HELOC at a 4.5 % rate. It just does not make sense to me why they would not correct the issue.
Company Response: Closed with explanation
2019-06-22
Houghton, 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 non-monetary relief
2019-06-22
Atl, GA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Company Response: Closed with explanation
2019-06-22
Main Office, VA
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: Serve allows you to pull funds from your debit card that is linked to a separate checking account as long as it has been verified by the company. I processed a {$100.00} transfer from my debit card to my serve account on XX/XX/2019 and in doing this my bank placed a hold on the funds so that the merchant ( Serve ) could have the funds available and collect them. Serve did not collect the {$100.00} that was on hold after 5 days so my bank released the hold. Serve then processed the transaction 13 days after on XX/XX/2019 and withdrew the {$100.00} causing my account to go negative and causing me to incur NSF fees from my bank and 3 credit card companies due to the payments being returned amounting to multiple fees. I spoke to serve and they said that they process all transactions within 10 calendar days and this was processed outside of the 10 calendar days according to my bank. I have requested that serve cover the NSF fees and they have refused to do so even though them requesting the funds 13 days later cause my account to be charged insurmountable fees.
Company Response: Closed with explanation
2019-06-21
San Gabriel, 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
2019-06-21
Agana, GU
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief
2019-06-21
Milpitas, CA
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
2019-06-21
Montclair, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-06-21
Houston, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-06-21
Las Vegas, NV
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: I was expecting my paycheck on XX/XX/XXXXof this month to reflect on my Amex/bluebird card my paycheck is been paid there automatic, I logging online with my computer into my account to know if it's available on my balance cause my phone was at the doctor to fixed it but all of a sudden I tried to logging but not going through it keep saying the username and password combination isn't right, I call the customer care they said my account was permanently suspended and hang up on. The Amex XXXX and customer service line have been no help I still have money in there I have to pay rent food medication etc.
Company Response: Closed with explanation
2019-06-21
Slidell, LA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-06-21
Dallas, TX
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: This company contacted my parents cell phone. Their number wasnt listed on any of my accounts, I dont know what kind of methods they use to find numbers they not supposed to call. I already work with debt management company to resolve my debt situation, but these guys trying to collect the maximum interest amount.
Company Response: Closed with explanation
2019-06-21
South Florida, FL
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: On XX/XX/2019 I pre-authorized check # XXXX in the amount of {$300.00} from my Bluebird account, payable to my landlady. She deposited the check on XX/XX/2019. I received notification via email as follows ; Your Bluebird check was paid on XX/XX/2019. The check details are listed below.
Pre-authorization Date : XX/XX/2019 Expiration Date : XX/XX/2019 Check Number : XXXX Check Amount : XXXX.
Followed by another notification via email as follows ; We are writing to let you know that we were unable to honor Bluebird Check XXXX for {$300.00}.
I called Bluebird customer service to clarify this as my check for {$300.00} was duly pre- authorized and funds taken from my account and was told, in essence, that this was a " system glitch '' they were working to correct and the funds would be returned to my landlady 's account. Her bank had " bounced '' the check by XX/XX/2019 and charged her a {$12.00} fee. The amount of {$300.00} was subsequently returned to my Bluebird account instead of to my landlady 's. I had to retrieve the {$300.00} plus {$12.00} fee cash from my account as she would no longer take a Bluebird check. In addition to the inconvenience and embarrassment of my rent check bounce I had to reimburse {$12.00}. All because of a " system glitch '' by Bluebird. I need them to at least, reimburse me that {$12.00} fee charged by my landlady
Company Response: Closed with monetary relief
2019-06-20
Elkton, MD
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-06-20
Kosciusko, MS
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with non-monetary relief
2019-06-20
Summit, NJ
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with monetary relief
2019-06-20
Moapa, NV
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
Complaint: I have a never used American Express Prepaid Rewards gift card number XXXX expiration date XX/XX/19 CVV code XXXX valued at {$20.00}. When I attempted to use it at XXXX XXXX it was declined. They were told the card had a XXXX balance. I called XXXX and entered the card information three times and each time I was told the card had a XXXX balance. The card agreement states the value of the card does not expire. The card does not expire until the end of XX/XX/2019. When I called and spoke to a person I was told the card had a XXXX balance but I have never used it and it has not been out of my sight since it was mailed to me.
At this point I believe I am a victim of fraud. I received the gift card as a rebate for a sale made with XXXX XXXX XXXX which I can not use.
Company Response: Closed with explanation
2019-06-20
TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Seized or attempted to seize your property
Complaint: XXXX and XXXX is trying to collect a debt I have with American Express. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds.
I have been working with a settlement company who told me they would help. XXXX will not speak or deal with them. I have had horrible stress and illness due to their tactics.
I was served papers on XX/XX/2019. I responded XX/XX/XXXX.
XX/XX/XXXX notice of submission was sent.
I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.
Company Response: Closed with explanation
2019-06-20
VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: AMEX CORPORATION CONTINUES TO REPORT A BUSINESS CARD OPEN AND USED BY A CORPORATION AS MINE. DESPITE NUMEROUS LETTERS AND CALLS THEY CONTINUE WITH NO PROOF TO CLAIM AND REPORT IT AS MYCARD.
AMEX CLAIMS CHARGES, PAYMENTS, CREDITS WERE BY ME.
DEBT COLLECTORS REFUSED TO PURSUE ACCOUNT AFTER SPEAKING WITH ME AND REALIZING AMEX HAS LIED.
Company Response: Closed with non-monetary relief
2019-06-19
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Closed with monetary relief
2019-06-19
Winton, 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: XX/XX/2019 The end of last month, XX/XX/2019, I came across a fraudulent hard check from XXXX XXXX via my online XXXX account that had posted XX/XX/XXXX, year prior. By the beginning of this month, I went to secure an American Express line of credit to satisfy an alternate agenda of compliance and " good faith '' measures for XXXX County Courts of Oregon. : a budget of dollars to purchase on credit while XXXX XXXX assistance comes to fruition, presumed now in short order, but still waiting final judgement.
Actively in pursuit, I wrote and sent via USPS to the Media Department of XXXX XXXX XXXX, UT, as directed by American Express 's New Accounts Division, XX/XX/19 with XXXX, my notes up through and including a Police Incident Report I had just filed, days prior. It was then, that I acted in " good faith '' mailing my notes and removed hard inquiry per XXXX.
That very same day, the unmanaged underwriting team c/o American Express filed the first of three denial letters, failing to even wait for the " good faith '' documents to arrive via post and upload. That initial XX/XX/2019 letter picked up ( in tandem with the XX/XX/XXXX letter ) from XXXX Post Office, has literature pertinent to my next course of expedited lateral action.
I went to Dept. of Social Services, XXXX website, downloaded their proprietary cover letter, put together a disputed response to fax directly against noted XX/XX/2019 letter of premature and discriminatory action ( s ) against me : a long-time costumer ( since the mid-XXXX to current ).
My " good faith '' due to fraud stretched further in the 26-page facsimile to American Express, detailing protocols of student loans discharging post XXXX XXXX determination, and as a recipient of XXXX SNAP beneficiary, increasing my income from $ XXXX/mo upward to $ XXXX/ mo. Also worth highlighting : my XXXX FICO score went from XXXX against XX/XX/19 letter to XXXX XXXX soft report reflecting up to XXXX. I followed-up that following Monday, XX/XX/19, for a re-submission -- a lateral last, prior escalating my complaint to this level of governance. XX/XX/2019 denial letter expected in the mail within days, per today 's follow-up conversation, and due to enclose herein as well.
Meanwhile, I proceeded to order a free XXXX report via USPS once the documents failed to load via their website. I anticipate returning more reconciliation due to fraudulent activity already presented me.
In closing, I not only acted as Consumer Protection Act and Social Security and XXXX binds me to in " good faith, '' but I also went to great lengths to prevent subsequent discrimination upon me from American Express.
I entrust justice prevails here and henceforth, as I am a very concerned citizen regarding goings-on of Globalized mercantilism, indeed, between myself and situational trends with American Express as of late ; I anticipate resolve in my favor and on my behalf.
Sincerest regards, XXXX XXXX XXXX XXXX XXXX XXXXn XXXX NOTE : SCANNED 39-PAGE ATTACHMENT FILE TOO LARGE TO UPLOAD
Company Response: Closed with explanation
2019-06-19
Blackbird, DE
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: Issue # 1 I have had several instances of receiving unsatisfactory customer service from the company. I contacted the company in XXXX 2019 about upgrading my card from a Gold to Platinum XXXX XXXX XXXX card which was completed eventually after receiving contradictory information regarding rewards from multiple representatives. The first representative told me that I would received XXXX bonus miles after I spend {$1000.00} in 3 months. When I spoke with a manager regarding another promotion I seen, she informed me that the promotion that the previous representative told me about was not available and I could get XXXX bonus miles after spending {$2000.00}. So then I speak with another representative who told me that the first promotion was available. I was also told by a representative during the upgrade to the card with the higher annual fee that I would receive a companion certificate in the mail ; however when it wasn't received, I called and was told that it's sent out each year at renewal. Which again was not communicated to me but I later saw in my agreement. I explained on my follow up call that if it was to be received at renewal then they should say that. I had a vacation planned that I was depending on the certificate for just to find out that I won't receive it until XXXX, causing me to have to purchase the tickets in another form. This call lasted well over an hour which is absolutely ridiculous, there is definitely some training that is needed.
Issue # 2 I increased my credit limit from {$1000.00} to {$2000.00} in XXXX 2019. At the time that I upgraded my card, I also requested a credit limit increase to {$5000.00} since I was looking to make this my primary card where accepted. I spoke with a representative who informed me of my options. Option # 1 submit the request traditionally and receive a hard inquiry on my credit report. Option # 2 my account would be watched for 30-60 days to monitor my spending patterns and payment history and then a judgmental decision would be made. I chose Option # 2. I called back on XXXX19 to check on the status of my request since it was beyond the 60 day timeframe just to be told that there were no notes on my account and that Option # 2 did not exist.
I requested to speak with a supervisor who explained to me that the only way to receive a credit limit increase is to request it traditionally ( hard inquiry on credit report ) or to get a pre-approval offer of a credit limit increase. I am a customer who always pays my account on time, makes multiple payments per billing cycle just to maintain enough available credit to make purchases and to be told that there is no one available at the entire company who has the authority to increase the credit limit appears to be just another contradictory and false statement communicated by the company. I feel like the practices are unfair and resolution is needed.
Company Response: Closed with explanation
2019-06-19
Aurora, CO
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
2019-06-19
Oak Park, IL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with non-monetary relief