AMERICAN EXPRESS COMPANY


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"Products" offered by AMERICAN EXPRESS COMPANY with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler�s/Cashier�s checks
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - Electronic Benefit Transfer / EBT card
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Prepaid card - Transit card
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 7610263

Date Received: 2023-09-26

Issue: Other features, terms, or problems

Subissue: Add-on products and services

Consumer Complaint: I am an account holder with American Express and use their Gold card for day to day purchase. When I opened the card in XX/XX/, I was sent a paper version of cardmember agreement, a legal document enlisting all the rights and benefits of the credit card product, to my address. I took my time to read all the provisions of the cardmember agreement, in which I found that I am entitled to two additional benefits, previously unknown to me when I applied for the credit card application : a ) " Trip Cancellation and Interruption Insurance '' b ) " Cell Phone Protection ''. On XX/XX/, the flight ticket I purchased via the aforementioned American Express Gold Card was cancelled due to the weather conditions. I had to come up with alternative transportation, so I went ahead and booked last minute train tickets taking me to the same final destination, for {$200.00}. I arranged the train alternative under the impression that my Gold Card 's " Trip Cancellation and Interruption Insurance '' benefit will help me offset the {$200.00} cost. Having this in mind, I called American Express customer service to help take advantage of the said insurance benefit - only to find out that this benefit is offered on American Express 's other credit card products, but not Gold Card. This directly contradicted the provisions on the paper cardmember agreement I received, and I tried to explain the situation the customer representative as much as I could- the best they did was to open an investigation case. I never heard back about the result of the case, as I was not offered opportunity to prove my case by uploading the photos or scanned version of the paper cardmember agreement I had in possession. I followed up two weeks later, and apparently the resolution was made for the investigation case without any further inquires to me - I was not given any word or had chance to showcase an input. The customer representative kept reassuring me that they have a dedicated professional team of experts thoroughly investigating any case presented at them. I found it very hard to believe, feeling absolutely helpless I decided to cut the call short - I was not compensated in any way for the interrupted flight and my investigation was never properly looked into. CFPB is my only hope now. I am attaching the photos of the paper cardmember agreement I have which explicitly states that I am entitled to the two aforementioned benefits - the benefits that American Express refuses to provide me, as apparently these benefits are provided with other products, but the Gold Card I own.

Company Response:

State: DC

Zip: 200XX

Submitted Via: Web

Date Sent: 2023-09-26

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7609238

Date Received: 2023-09-26

Issue: Incorrect information on your report

Subissue: Information is missing that should be on the report

Consumer Complaint: American Express is not reporting my platinum card to XXXX which is negatively impacting my XXXX credit score..

Company Response:

State: GA

Zip: 306XX

Submitted Via: Web

Date Sent: 2023-09-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7609037

Date Received: 2023-09-26

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Consumer Complaint: American Express froze my card. According to them I filed for Bankruptcy. This is untrue. I ask them to provide all documentation used to determine that I filed for Bankruptcy, they indicated they could not provide any documents. In addition I ask if they reported anything to the credit bureaus. They did not know if anything was submitted. I have spent many hours correcting all the automatic payments because of this freeze on my card. This is a gold American express card that I pay over {$75.00} for a year.

Company Response:

State: FL

Zip: 32084

Submitted Via: Web

Date Sent: 2023-09-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7608200

Date Received: 2023-09-26

Issue: Trouble using the card

Subissue: Problem with direct deposit

Consumer Complaint: I was to receive a direct deposit for {$370.00} on XX/XX/. The direct deposit was from my employer XXXX XXXX XXXX. My employer has confirmed that Bluebird received the direct deposit. I have not received the direct deposit and spoke with a rep from Bluebird Amex who spoke broken XXXX and said nothing he could do. I will be closing my account but want the funds that this company has received and not applied to my account which is against their Terms and Conditions Agreement. You can not even contact their customer service except through phone calls then get a rep who you can't understand. Poor poor poor

Company Response:

State: OH

Zip: 45103

Submitted Via: Web

Date Sent: 2023-09-26

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7607416

Date Received: 2023-09-27

Issue: Trouble using the card

Subissue: Trouble using the card to spend money in a store or online

Consumer Complaint: I was issued {$1000.00} gift card, and I was able to make two purchases successfully, but ever since then every single purchase I attempt gets denied. I called Amex multiple times, and they updated my billing address, but otherwise they were no help at all, and the card still doesn't work. They always say " try another merchant '' but I have tried dozens of different retailers and none of them work, including the place that it worked before. This is clearly a scam, which is evidenced by the hundreds of other people who have had the same complaint. I have XXXX left on the card, and I need to be refunded the money.

Company Response:

State: WA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-09-27

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7607242

Date Received: 2023-09-27

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I recently had an issue with my AMEX platinum credit card when trying to pay the bill. I normally pay the bill manually once a month when the bill gets high and then autopay the rest at then end when the statement is due. I tried paying an amount of XXXX $ a day before the autopay was scheduled to pay the statement balance ( XXXX $ ). I did not know the autopay was scheduled to pay it that next day. I payed the XXXX manually and it said confirmed your payment was received and in the app my balance went down by XXXX XXXX The next day for some reason is still auto paid the full XXXX even though I had already paid XXXX the day before. I would think it would only be paying the difference which would have been a little over XXXX XXXX The problem was that when the XXXX and XXXX came out it brought the bank account balance too low to do all of my payroll checks so when I did my payroll checks everyone of them was charged a NSF fee. I immediately called American Express as soon as I saw the amount that was taken out and they said they couldnt return it to the bank account without the routing and account number ( which I didnt have at that moment ) and to call back the next morning when I had it. Which I did and they said the money would be returned. I finally see it being returned to the bank account after 2 days but Im still left with the NSF fee that arent cheap because American Expresss autopay system messed up. ( Bank isnt willing to take off the NSF charges )

Company Response:

State: LA

Zip: 707XX

Submitted Via: Web

Date Sent: 2023-09-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7606475

Date Received: 2023-09-25

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: I notice fraudulent charges appearing on my AMEX card I reported 2 instances already and this is the third instance This time I notice {$200.00} charged and rolled back on XXXX XXXX

Company Response:

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-09-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7604040

Date Received: 2023-09-25

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Consumer Complaint: Without my knowledge, a credit account was opened in XXXX. {$6000.00} was withdrawn in XXXX. then over another 2 months another XXXX XXXX dollars were withdrawn. This credit account is opened with American Express. I have never been to this bank and never opened an account there

Company Response:

State: IL

Zip: 60089

Submitted Via: Web

Date Sent: 2023-09-25

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7603869

Date Received: 2023-09-25

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: When I saw the promotion of American express XXXX Credit card welcome offer of XXXX bonus points, I applied for it online. I Paid {$690.00} and spent more than {$6000.00} as required by welcome offer conditions. When I did not see the points after meeting above conditions, I called the company customer service and they told me that during the application there was a pop-up that told me that I am not qualified for the bonus points and I have agreed to that. I ask for the proof of that agreement and they told me that I have to subpoena that proof. On XX/XX/2023, I wrote to their management in XXXX XXXX XXXX and after few days they called me and told the same. Their offer terms clearly states, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application ''. They are saying that the pop-up during the application is the notification. I NEVER SO THAT POP-UP DURING THE APPLICATION AND I NEVER AGREED THAT IS IT OK TO ACCEPT MY APPLICATION WTHOUT A WELCOME OFFER. AND I THINK POP-UP CANOT BE CINSTRUDE AS A NOTIFICATION. I requested proof/copy of that notification ( pop-up ) and they refused to provide it

Company Response:

State: MD

Zip: 20878

Submitted Via: Web

Date Sent: 2023-09-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7603801

Date Received: 2023-09-25

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: This letter is in response to your letter dated XX/XX/XXXX XXXX signed by XXXX XXXX by the America Express XXXX XXXX XXXX XXXX XXXX. The letter is in response to the following CFPB complaints : CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the letter, although I have the correct address in the letters I mailed out disputing multiple charges, you are not going to place those charges into dispute because American Express can not find a record of those letters. Your response states that I need to call XXXX to dispute the charges. Per the cardmember agreement, I chose to mail out my request to dispute the charges. Per US Postal Service records, each letter was delivered to the correct address. As such, I demand that I receive credits for each transaction I am disputing along with a refund of the interest charges that I was charged to this day. If you refuse my demand, I request that this issue be settled through mandatory arbitration. Thank you.

Company Response:

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-09-25

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.