AMERICAN EXPRESS COMPANY

2019-01-23

Bakersfield, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-01-23

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-23

Benicia, 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 monetary relief

Timely Response

2019-01-23

Audubon, PA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-01-23

Babcock, IL

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

2019-01-23

Audubon, PA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-01-23

Manhattan, NY

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

2019-01-23

San Jacinto, CA

Other features, terms, or problems

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

Other problem
Complaint: Im American Express platinum card holder. and pay {$450.00} per year to use the card one of the futures that comes with card pay charges over time with 20.49 % Ive been using this future occasionally and has limit of {$35000.00} last night trued to transfer a charge over {$300.00} but the future was suspended this isnt part of term and condition of the card as far as I remember I never been late or had issues I had a choice to use different credit card to pay a certain charge and not pay fee if I wasnt notify by American Express to suspending this future and could save {$180.00} if so I need to be refunded all interest charges that I was accumulated and Amx violated our terms and conditions.
Company Response: Closed with explanation

Timely Response

2019-01-23

Barnsboro, NJ

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

Timely Response

2019-01-23

Scottsdale, AZ

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-01-23

GA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: ON XX/XX/2019 AT XXXX AMERICAN EXPRESS CONTACTED MY NIEGHBOR NEXT DOOR AND REQUESTED THEY CONTACT ME RELATED TO MY ACCOUNT. THE NUMBER THEY CALLED WAS XXXX. THE PERSON CALLED FROM XXXX AND ADVISED THIS WAS A DIRECT LINE TO HIM. THEY INFORMED MS XXXX XXXX IT WAS IN REFERENCE TO MY AMERICAN EXPRESS ACCOUNT. I HAVE NEVER DISCUSSED ANY ACCOUNT WITH MS XXXX NOR DID I EVER GIVE AMERICAN EXPRESS PERMISSION TO CONTACT A THIRD PARTY IN REF. TO THIS ACCOUNT. IF AMERICAN EXPRESS HAS WRITTEN AUTHORIZATIN FROM ME BEARING MY SIGNATURE I WOULD REQUEST A COPY.THIS IS IN DIRECT VIOLATION OF FEDERAL LAW AS IT RELATES TO THIRD PARTY CONTACTS. ( 15 USC1692C ( B ) ) I WOULD LIKE YOUR AGENCY TO FOLLOW UP AND CHARGE THE VIOLATOR OF THE LAW.
Company Response: Closed with explanation

Timely Response

2019-01-23

GA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: ON XX/XX/2019 AT APPROX XXXX AMERICAN EXPRESS CONTACTED A THIRD PARTY REF. MY ACCT WITH THEM. THEY LEFT A MESSAGE REQUESTING I CALL TO DISCUSS A PERSONAL MATTER RELATED TO MY CREDIT CARD. THE NUMBER THEY CALLED WAS XXXX. THIS NUMBER IS A RELITIVE AND I DO NOT LIVE THERE. AMERICAN EXPRESS HAS MY CORRECT INFORMATION RELATED ON HOW TO CONTACT ME. THIS IS IN DIRECT VIOATION OF 15 USC 1692C ( B ) AS IT RELATES TO THIRD PARTY CONTACT. AT NO TIME DID I GIVE AMERICAN EXPRESS ANY PERMISSION TO CONTACT A THIRD PARTY REF.. MY ACCT.
Company Response: Closed with explanation

Timely Response

2019-01-23

Superstition Mtn, AZ

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XX/XX/19 I was notified from XXXX the company I use to monitor my credit that a hard inquiry was pulled from XXXX from American Express and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.
Company Response: Closed with explanation

Timely Response

2019-01-23

Jacksonville, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-01-23

Miami, FL

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

2019-01-23

Bremen, GA

Closing your account

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

Company closed your account
Complaint: On XX/XX/2019, American Express set me with a pre-set limit on my card of XXXX without advanced notice. They did this to me while fully aware my balance at the time was XXXX. Now it shows I am over my limit. I have never had difficulty making my payments on time, but a leak in my home caused me to fall behind. I am XXXX past due and as of today XX/XX/2019, I am 13 days past due. I called American Express on XX/XX/XXXX to get an understanding as to why my limit was preset without any advance notice and why they set the limit less than what my balance was. I expressed to them that this isn't consumer friendly and it was an unfair practice. I spoke to about 3 different people who were of no help. I finally called again and spoke to someone else and that person was very rude. She was aggressive and spoke over me the whole time. I decided to do a cease and desist and for my card to be closed out of frustration. Prior to her reading the required disclosures, I told her to hold off on closing my card until I spoke with a manager. She told me a manager would call me back. About an hour later, I got a notification that my card had been closed. The rep who closed my card did not have consent to do so. She didn't follow compliance and she violated federal regulations. She didn't read the required disclosures. I called back and asked to speak to a manager again. Still no manager to speak to. I was promised a call back the next day, XX/XX/XXXX, and I got no call back. I called American Express back to reopen my card and there was no resolution. My card is still closed. This morning, XX/XX/XXXX, I woke up to a threatening letter from them
Company Response: Closed with non-monetary relief

Timely Response

2019-01-22

San Jose, 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
Company Response: Closed with explanation

Timely Response

2019-01-22

Yorba Linda, 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 monetary relief

Timely Response

2019-01-22

Boca Raton, FL

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 explanation

Timely Response

2019-01-22

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-01-22

De Soto, IA

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 entered into an agreement with American Express credit cards on XX/XX/2018, responding to an offer of XXXX Delta Sky Miles to agree to obtain a credit card with American Express and spend {$3000.00} within the first 4 months of opening the account. The credit card was obtained XX/XX/2018 and the required spending of {$3000.00} was met on XX/XX/2018, however, American Express has not honored the terms of the agreement and I have not been granted the XXXX Delta Sky Miles as of the writing of this complaint XX/XX/2018. I have contacted American Express about this issue and was told that they have decided not to honor our agreement based on my relationship with them. Additionally, I have asked for a transcript of the conversation stating that I was being denied the bonus, and this request has been denied also. I am asking for assistance in resolving this matter and holding American Express responsible for adhering to the terms of our agreement. American Express is stating that I was denied the bonus upon application, however, this is did not happen. I have a dated screenshot of the credit offer I applied for and was approved for. This screenshot has been attached.
Company Response: Closed with explanation

Timely Response

2019-01-22

RI

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/XXXX a portion of my pay was direct deposit into Bluebird account in the amount of {$320.00}. Bluebird has set aside account like savings accounts tied into main checking I transfer {$310.00} into set aside account. Later I looked on my online account and someone got into my account transfer {$310.00} back into the checking then did a p to p transfer of {$320.00} to a person I do not know nor did I do this transaction. I called customer service the rep from fraud himself said your account was hacked into you need to change your password. I changed password filed the dispute the next day I got email denying my claim. Then I got email stating my account was locked someone tried getting into account again I called customer service back the next day spoke to fraud stated again I did not do this. I was advised to change email and all they could do is refill claim. Today is XX/XX/XXXX and I have heard nothing. I know claim will be denied. Wheres my protection Bluebird states they are alternative to checking I am very upset and need my hard earned money back.
Company Response: Closed with monetary relief

Timely Response

2019-01-22

New Bedford, MA

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: SENT CERTIFIED MAIL REQUESTING AMERICAN EXPRESS SEND A MONTHLY STATEMENT WITH MY FULL ACCOUNT NUMBER ON A PERSOANAL LOAN I TOOK OUT WITH THEM TO DATE I NEVER RECEIVED LOAN DOCUMENTS AND OR FULL ACCOUNT NUMBER .I AM STILL WAITING, I THINK I GAVE A WRITE TO A FULL ACCOUNT NUMBER FOR MY RECORDS.
Company Response: Closed with explanation

Timely Response

2019-01-22

Audubon, PA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-01-22

Brooklyn, NY

Closing your account

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

Company closed your account
Complaint: I called to ask for a retention offer and I never gave permission for them to close my credit card. I complained about 1. bad service 2. the annual fee. The call got disconnected ( which in such a case has happened before and nothing happened after that ) and my credit card got closed 9 hours later against my consent and will. I tried to have them reinstate it and they claim the card is no longer offered which is a lie at it's best. The card is a XXXX XXXX XXXX XXXX. I would like to add that this has happened to me before and I was shot down by Amex all day until I opened a CFPB complaint ... ... it seems Amex won't move until they get pressed against the wall. See link below that it is still being offered : XXXX XXXX XXXX I called them numerous times and spent more than 5 hours on this and was told yes we will get it sorted and all this and then only to get told no later on in the phone call. In addition I have some {$7000.00} in charges that are eligible for XXXX points per dollar which is XXXX points and now I will also be losing these points.
Company Response: Closed with non-monetary relief

Timely Response