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: 6962572

Date Received: 2023-05-11

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Was not notified of investigation status or results

Consumer Complaint: I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.

Company Response:

State: FL

Zip: 32811

Submitted Via: Web

Date Sent: 2023-05-11

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: 6962298

Date Received: 2023-05-11

Issue: Fraud or scam

Subissue:

Consumer Complaint: Someone took my info and apply for credit card now I can't remove it

Company Response:

State: NY

Zip: 10453

Submitted Via: Web

Date Sent: 2023-05-11

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: 6962256

Date Received: 2023-05-11

Issue: Advertising and marketing, including promotional offers

Subissue: Confusing or misleading advertising about the credit card

Consumer Complaint: Applied for the American Express XXXX card because of all the advertised benefits that are included. However, there are specific terms to each benefit that must be met to even qualify. For example, Amex offers a {$50.00} credit on Sale Fifth purchase only if you enroll in the benefit and if you make a purchase with the Amex card. However, you do not qualify for the credit if you make the purchase with your Amex card using XXXX XXXX

Company Response:

State: CA

Zip: 91732

Submitted Via: Web

Date Sent: 2023-05-11

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: 6962204

Date Received: 2023-05-11

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: My computer started flashing, it and said my computer was being hatched and I need to call the number XXXX. I called it and he said his name was XXXX and the complaint number is XXXX. He said that an international XXXX Company - charged {$15000.00} to my credit card ( AMEX ). He said he would connect me with thr FCC and they would connect me with the AMEX representative, his name was XXXX XXXX complaint number XXXX and his phone number was XXXX. He sated the only way to resolved this would be to do a duplicate order in the amount by purchasing gift cards and XXXX XXXX and XXXX 's. He said my phone was hacked as well and He needed to stay on the phone. The fear was so great that I did this, as if I froze and could not think clearly. I did purchase a {$2000.00} at XXXX XXXX and 3 cards totaling {$6000.00} at XXXX 's. At this point, something clicked and I finally understood was part of a fraudulent scam. I went to the police department in XXXX Ct - XXXX XXXX took my case and put a report together. When I called Amex to report this at the police department and explained the situation, they said the orders were pending, I asked them to stop the charges and they would not, they said I had to wait until the orders were processed. I have copies of the pending charges. I have been a loyal AMEX customer for over 25 years. They will not reverse the charges. I have put claims in with both XXXX XXXX and XXXX 's and working with my branch manager at XXXX XXXX XXXX to help me with this. I did call victim services of Ct and had a call with the representative on XX/XX/2023. Hopefully you can help me resolve this issue with AMEX.

Company Response:

State: CT

Zip: 068XX

Submitted Via: Web

Date Sent: 2023-06-27

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: 6961870

Date Received: 2023-05-10

Issue: Advertising and marketing, including promotional offers

Subissue: Confusing or misleading advertising about the credit card

Consumer Complaint: Hello, my name is XXXX XXXX, and I am writing this complaint regarding my Hilton Honors American Express Surpass Card. I received an advertisement ( with a specific code ) in the mail to submit an application to potentially earn XXXX bonus points and a free night reward if I spent {$2000.00} in purchases in the first three months. The annual fee is {$95.00}. I applied for the card on XX/XX/XXXX and was approved the same day for {$1000.00}. I reached out to customer service on XX/XX/XXXX at XXXX XXXX Eastern time to discuss why I received a low credit limit, how I was supposed to use it for hotel stays, and how I could acquire the advertised awards. The representative indicated I could spend a certain amount monthly, pay it off and keep repeating for XXXX months. I told him there was no way I would have applied or wasted a credit inquiry for the {$1000.00} ( - {$95.00} annual fee ) that is charged the first month of the account. I can not use this credit card to secure a hotel ( I planned to use it for a trip to XXXX XXXX ) for XXXX XXXX weekend. The purpose of the card is to acquire points at Hilton Hotels. After waiting 20 minutes for a supervisor, I was told a XXXX would call me back. It has been over XXXX hours, no call. I am disappointed in American Express as I have no issues with three other credit cards with the company. I believe this was a false advertisement to have individuals apply and pay a hefty annual fee but be unable to use the card.

Company Response:

State: NJ

Zip: 08054

Submitted Via: Web

Date Sent: 2023-06-30

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: 6959928

Date Received: 2023-05-10

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: I filed a complain already with the creditor and CFPB so far there is no resolution. I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} plus XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from American Express is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX XXXX id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in 24-48 hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance. Today is XXXX and American Express have not resolved my fraud case. From XXXX to XXXX I had call the company ove 50 times and they just keeping telling me I will refer this information to the fraud team can not transfer you there because they dont acept calls. I requested to talk to the manager and they told me the line is so busy and offer me a call back in 30 mins other 2 biz days. They dont even know what is happening why this case have not resolved yet. NO ONE KNOWS NOTHING. My last call was 2 weeks ago and this representative told me there is no claim with this charges, i see the notes about you calling in regards this fraud charges but we have never filed this claim for this charges. I wanted to cry NO KIDDING I didnt wanted to ask anything I am done with this company. The worse worse services. He told me a manager will call me back in 30 or 40 mins WELL so far no one has been caling me. ONLY COLLECTION CALL. Everyday. PLEASE PLEASE someone help me with this terrible situation.

Company Response:

State: MN

Zip: 553XX

Submitted Via: Web

Date Sent: 2023-05-10

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: 6959894

Date Received: 2023-05-10

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: On my XXXX credit report there is an open American Express account with an outstanding balance of XXXX dollars which i have no idea what this is, i called American Express and they said i dont have any open accounts with that amount, i have never received anything on the mail or by email, i opened a dispute with XXXX and they said the information is accurate but American Express does not see anything in their system

Company Response:

State: NY

Zip: 10567

Submitted Via: Web

Date Sent: 2023-05-10

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: 6959761

Date Received: 2023-05-10

Issue: Incorrect information on your report

Subissue: Old information reappears or never goes away

Consumer Complaint: The American Express account that shows on my credit report is my mothers account and she has removed me as a user several times. I uploaded a chat session that shows there are no cards in my name and verified that I am not a user but they refuse to remove the account from my report. I have tried 4 separate times and they just keep updating to the current date and not removing it. My mother XXXX XXXX has asked for documentation that I am not on the account or a user of the account and they stated they can not provide documentation other than the chat attached as he is not a user or on the account to remove so there is nothing to provide.

Company Response:

State: CO

Zip: 80033

Submitted Via: Web

Date Sent: 2023-05-10

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: 6959714

Date Received: 2023-05-10

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: On my XXXX credit report there is an open American Express account with an outstanding balance of XXXX dollars which i have no idea what this is, i called American Express and they said i dont have any open accounts with that amount, i have never received anything on the mail or by email, i opened a dispute with XXXX and they said the information is accurate but American Express does not see anything in their system

Company Response:

State: NY

Zip: 10567

Submitted Via: Web

Date Sent: 2023-05-10

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: 6959154

Date Received: 2023-05-10

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: I opened a credit card with AMEX in XX/XX/XXXX. One of the terms that this credit card offered was a promotional bonus of {$350.00} provided that I meet a minimum spend and do not close the card for the first XXXX months. I figure that the XXXX months is a term to assure the credit card company that they can have the annual fee issued over the next XXXX months. On XX/XX/XXXX, I called AMEX with the intent to review product change options so after year XXXX, I could convert this card to a no-annual-fee card. The problem is the automated voice messaging system that I conversed with. First, it asked me what I am calling for. I said " Representative ''. Next, it asked me why I am calling so it can get me to the right person. I said something along the lines of " I want to review options about card cancellation ''. After getting my Social Security Number like the automated voice messaging system always does, it tells me " Your card has been cancelled, we are sending you over to the representative now. ". It threw me off guard because I did not see this coming. I got on the line with a representative to confirm that this happened with questions and the representative confirmed it. I expressed that I did not want it cancelled and they said it was already done and could not be " un-cancelled ''. On XX/XX/XXXX, I got notified by AMEX that I owe {$350.00} due to cancelling the card prior to the XXXX months. I did not cancel my card, AMEX did. So I called AMEX by only saying the word " Representative '' until I got a Representative on the line as to avoid this automated voice messaging system as much as possible. The representative I got was named XXXX. After disclosing the above with her, XXXX told me that she would submit a ticket to an internal team that deals with sign-on bonuses and rewards to resolve this issue and would follow up with me in XXXX business days. I never got a call back from XXXX. On XX/XX/XXXX, I called AMEX again the same way I did on XX/XX/XXXX and I got a new representative named XXXX. XXXX informed me that XXXX put the ticket in with the wrong team and it never got resolved. Instead, XXXX offered multiple things. 1 ) She was submitting this request with the correct internal team that I could not have communication with that deals with the review of the automated voice messaging system. 2 ) She offered to call me personally on XX/XX/XXXX with an update. 3 ) Assurance that what my situation called for was a reinstatement of the sign-on bonus as long as what they reviewed from the automated voice messaging system was accurate. Note : I offered to pay the {$95.00} annual fee in this call if the {$350.00} charge was removed, but XXXX said that there was no need to do so. XXXX only did XXXX out of the XXXX things. On XX/XX/XXXX, XXXX called me back. But only to inform me that it has not been resolved yet and that the internal team is working on it. XXXX offered to call me back on XX/XX/XXXX with assurance that it will be resolved. On XX/XX/XXXX, I did not receive a call back. XXXX hour before closing, I called and XXXX was my representative. I received the same assurances as I received on XX/XX/XXXX ( that I would hear directly from the internal team on XX/XX/XXXX ), but I could call back on XX/XX/XXXX if I heard nothing back. I heard nothing back. I called on XX/XX/XXXX ( today ) and spared the newest representative the explanation above and requested a conversation with a supervisor ( XXXX ). XXXX, unlike the rest of the representatives that I spoke to since XX/XX/XXXX, was clear and concise with me. He told me that the automated voice messaging did not issue an error so that whatever I said to it was correct. I asked XXXX if he reviewed the call that I had with the voice messaging system and he said that he did not need to. I asked XXXX that " if I did not intentionally close my credit card, then why did my credit card close? ". He responded that what I said to the automated voice messaging system was interpreted by the system correctly, so that I may have misremembered what I told the system and that I input everything that it required to cancel my card. Sidenote : Among many things, I learn and study for a living, so no, I do not misremember things. I then asked XXXX ( paraphrased ) " If I did not intend to close my credit card, but my credit card got closed anyway, can I get the {$350.00} charge removed? ". His response " This charge can not be reversed ''. My response " can we adjust the charges so that I get the {$350.00} credited to me and the annual fee for FY XXXX gets debited as if the card were still opened? ". His response ( non-paraphrased ) " I can't reverse a reversal ''. Knowing I was not getting anywhere with XXXX, I asked for ( and confirmed ) pertinent information regarding my several calls I made to AMEX and he provided them to me. This included the dates which I called, the results of my request, his manager ID ( ID : XXXX ), and the names of the representatives I spoke to. I would have asked for physical documentation regarding this, but I would not even know where to start. I did not inform them I was taking this to the CFPB in the case I wanted to open more dialogue, but after some thought I realized that this is the right place to submit. XXXX ; 1 ) AMEX closed my credit card without my consent and without reasonable cause, thus affecting my credit without my permission. 2 ) AMEX charged me as a result of closing my credit card and blamed it on me. 3 ) AMEX put me on a wild goose chase for resolution for at least 6 weeks with the outwardly-appearance of wanting to resolve my issue and only at the last possible day tell me that there was nothing that could have been done in the first place.

Company Response:

State: IL

Zip: 60613

Submitted Via: Web

Date Sent: 2023-05-10

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