AMERICAN EXPRESS COMPANY

2019-02-08

Columbus, OH

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-02-08

Bakersfield, CA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: On XX/XX/XXXX I was on XXXX website booking an airplane ticket for my daughter and on the last step where I had to pay the ticket ( {$170.00} ), a pop-up appeared saying that if Im approved for an American Express Delta SkyMiles credit card Ill be receiving {$200.00} statement credit, and it was displayed exactly the following way : {$170.00} - {$200.00} = {$22.00} credit ( Offer or Promotion XXXX ) Looking at this, one would assume that the statement credit would appear immediately and it would take care of my purchase, or probably this how they are trying to mislead their clients!!! Once I clicked on the pop-up window, it took me thru the application process and it did NOT mention that the credit will show up on my statement after 6-8 weeks. I did receive the monthly statement but I didnt pay it thinking that the statement credit will take care of it and on the next cycle it will show up as a credit of {$22.00} as advertised. When the next statement came I had late fee and interest charge, so I called the customer service and I was told that I had to pay it in order to get the statement credit, and I did so over the phone ( or online ), and I was told that the {$200.00} credit will appear on my next statement. I have been calling them since XX/XX/XXXX and every time I get the same answer, it will show on the next statement and I was issued 2 case numbers ( XXXX & XXXX ). Finally, this week I requested to talk to a supervisor and she told me that since I didnt pay on time my first statement I disqualify for this offer.
Company Response: Closed with explanation

Timely Response

2019-02-07

Tempe, AZ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-02-07

Fairfax, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: There is account reporting inaccurate information on all three of my XXXX, XXXX and XXXX credit reports. I have tried repeatedly to reach AMEX/American express to fix the incorrect information on my credit reports. Its stopping me from getting a home mortgage
Company Response: Closed with explanation

Timely Response

2019-02-07

Laurel, MD

Improper use of your report

Credit card or prepaid card: General-purpose credit card or charge card

Credit inquiries on your report that you don't recognize
Complaint: AMEX pulled my credit without my authorization and I have written a lot of letters to them to delete this inquiry as I did not authorize this since last year. They did nothing about it and ignored my many certified mails. their phone number is XXXX Address is XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-02-07

Houston, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: American Express is misleading consumers during credit card signup. Specifically around balance transfers. American Express has an internal limit on balance transfer amounts, but this is not disclosed in the terms of service, offer terms, or any other material during the account signup process. Additionally, American Expresses customer service line, prior to signing up for a new card, states to review the terms of service and offer terms for all requirements and restrictions related to balance transfers. Theyre mislesading consumers.
Company Response: Closed with explanation

Timely Response

2019-02-07

Discovery Bay, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I have a credit card with AMEX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with American Express. I tried contacting both XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation

Timely Response

2019-02-06

Dallas, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: XXXX is stating I have an American Express Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. This is to be removed off of my credit report immediately and remediation to ensure that American Express does not report incorrect information on a person 's credit report needs to be ensured going forward.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-06

Hamilton, MS

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

Timely Response

2019-02-06

Briarwood, ND

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
Company Response: Closed with explanation

Timely Response

2019-02-06

CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: On Tuesday XX/XX/XXXX American Express collections department called one of my relatives numbers. Upon answering, the debt collector released all information regarding my account to the individual.
Company Response: Closed with explanation

Timely Response

2019-02-06

Nappanee, IN

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I disputed a Charge by XXXX XXXX XXXX and won the dispute. So now XX/XX/2019 I recieve the letter attached stateing that my corporate Credit Card limit is being lowered {$1000.00}. I object. These 2 entities are not related to my personal debt and therefore they have no reason to take my personal credit into account on a business card. American Express has discriminated against me personally. I object or they have decided to lower my credit limit due to my winning the dispute with XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-06

Saint Augustine, FL

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
Company Response: Closed with non-monetary relief

Timely Response

2019-02-06

Palm Desert, CA

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
Company Response: Closed with explanation

Timely Response

2019-02-06

TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: We had a repayment agreement that was fulfilled and the account was paid in full, yet on my credit report it is listed as charge off.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-06

Williamston, MI

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: Amex advertised that I can get {$75.00} reward per refer up to {$550.00} a year if I refer my friends using the referral link. There were 109 clicks through my referral link, which means at least 10 successful refers through my link between XX/XX/2018 to XX/XX/2018. However Amex is not giving me any referral bonus as advertised. My referral link : XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-06

GA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: ON THE XX/XX/2019 AMERICAN EXPRESS ONCE AGAIN CUNDUCTED WHAT IS KNOWN AS A BLOCK PARTY CALLING RELITIVES NIEGHBORS AND WHO ELSE KNOWS. MR XXXX XXXX EVEN TOLD ONE THAT HE WAS GOING TO CALL PAST EMPLOYERS AND TELL THEM IM A DEAD BEAT. I HAVE PERSONALY INFORMED HIM NOT TO CONTACT THIRD PARTY PERSON ( S ) RELATED TO ME NOR MY ACCOUNT. I HEARBY DEMAND THAT YOU CEASE AND DISIST ALL FUTURE CALLS AND TO UPDATE YOUR FILES TO INDICATE SUCH. BEING THAT YOUR EMPLOYEE HAS USED TATICS AND THREATS I REQUEST YOU CEASE AND DESIST UPON RECIEPT OF THIS NOTICE. I REQUEST THE COMPANY GIVE ME 30 DAYS TO CONSULT WITH AN ATTORNEY FOR LEGAL ADVISE INTO THIS MATTER BEFORE THEY MAY CONTACT ME VIA MAIL OR THE NUMBER THEY HAVE FOR ME ON FILE.
Company Response: Closed with explanation

Timely Response

2019-02-06

Logan, OH

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

Timely Response

2019-02-06

Charlotte, NC

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-02-06

IL

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: I had tried numerous times, to resolve my dispute to no avail. American Express has failed to protect me, as a consumer, who filed a dispute against XXXX XXXX for failing to provide the service or product promised. I received both damaged merchandise and incorrect/incomplete installation of product and American Express failed to protect me as a consumer as outlined extensively in their advertisements. The furnace also does not correctly work in the winter because aside from being damaged, incorrectly installed, the unit was also incorrectly wired I went out of my way to use the AMEX card to ensure I was protected as a consumer and they failed to live up to their responsibility. They did nothing to complete a thorough investigation and I spoke with numerous people and kept refiling the same dispute that kept getting routinely closed without explanation. American Express made it very clear they were more interested in pleasing the merchant ( who they do a lot of business with ) than protecting me as a consumer. I filed a complaint with the Illinois Attorney general who also found that XXXX XXXX failed to respond. The company also stiffed me on replacing panels and fixing problems that American Express let happen. American Express has also made their dispute process incredibly hard and consumers can not see the process or speak to an actual caseworker which puts consumers who have been ripped off at a tremendous disadvantage in reclaiming funds. American Express makes it clear that they care more about merchants than consumers who have been ripped off. Amount : {$4600.00} Dispute Reference Number : XXXX Dispute Reference Number : XXXX
Company Response: Closed with explanation

Timely Response

2019-02-05

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: My assistant in XXXX was trying to purchase a vehicle in XXXX XXXX XXXX XXXX official dealership. He made transactions via American Express which i gave him as an additional user, he made 3 transactions : 1 ) XX/XX/2018 {$65000.00} ; 2 ) XX/XX/2018 {$1300.00} and 3 ) XX/XX/2018 {$2200.00} We didnt pick up car in XX/XX/XXXX and i know XXXX dealers they like to stall time, i contacted Amex with dispute on XX/XX/2018, by XX/XX/XXXX american express send me notification that my account was fully credited and then By XX/XX/XXXX they put all the charges back claiming that merchant provided documents to support their claim. I reviewed this documents and to me they didn't make any sense, i called Amex again to open another dispute by i noticed that Amex staff are not wheeling to help me and understand the issue i explained to amex multiple times that we or i didnt pick the car, they reopened dispute and we get more details from merchant that doesn't make any sense to me, but amex is ignoring the issue. Here are the issues, i will attach each document. On first dispute merchant provided my assistants ID and credit card slips with signatures, but the invoice for the car that they claim that we bought is under different name, you would wonder if i spend XXXX for the car would i want to have invoice under my company name? i say yes. Also invoice signature is not matched to my assistants signature. Dispute number 2 : same issue as first dispute, but this time dealer provided more documents, same documents credit card transactions but no invoice under my company name and no signature of my assistant on invoices and moreover they now lied to american express by providing the letter on last page which states : that the holder of card XXXX ( they couldnt provide full number because they dont have card and this letter was created due to dispute ) also this letter is not addressed from my assistant to XXXX that he authorizes transfer of this fund to XXXX, there is no assistants name or signature on this letter. This letter is a completely fake and doctrine letter created by dealership to keep my money ( which i explain to Amex )
Company Response: Closed with explanation

Timely Response

2019-02-05

OR

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: American Express is calling me about a relatives debt. I've told them 4 times not to call and that that my phone number is not the correct number. They are still calling and calling while I am at work.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-05

Oakland, CA

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-02-05

Brooklyn, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with non-monetary relief

Timely Response

2019-02-05

Brooklyn, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response