AMERICAN EXPRESS COMPANY


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"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

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Complaint ID: 6476894

Date Received: 2023-01-23

Issue: Problem with a purchase or transfer

Subissue: Card company isn't resolving a dispute about a purchase or transfer

Consumer Complaint: This is for Complaint XXXX XXXX AMEX Gift card case. A check was suppose to be refunded to us for {$59000.00} from AMEX for all the Fraudulent gift cards that was sold to us. The check came but it got returned by our bank stating the check AMEX sent to us was a Fraud check. We still do NOT have payment from AMEX.

Company Response:

State: MD

Zip: 20817

Submitted Via: Web

Date Sent: 2023-02-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6475047

Date Received: 2023-01-23

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: This involves AMEX and using a credit card for charges not approved/authorized on my account. In XXXX XXXX XXXX I received a notification and call from AMEX about a late charge on my account. I was very confused as I had placed a freeze on this card years ago and frankly never used the card. Upon engaging with them to understand the charges, I was instructed to pay the amount and they would file an appeal to take off late charges. At that time, I said I don't remember making these charges on the card. I was not referred to fraud departments. Then, the transaction fees were not waived nor were any actions taken by the financial agency to resolve the issue. Now, I find my credit score has a large impact on it because they reported these late payments for unauthorized charges.

Company Response:

State: GA

Zip: 30307

Submitted Via: Web

Date Sent: 2023-01-23

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6475018

Date Received: 2023-01-23

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: Daughter XXXX XXXX XXXX signed up for American Express Hilton Honors Surpass XXXX, Account Ending XXXX. XXXX was never received and hence do not have a card number for reference purposes. American Express was contacted on XX/XX/23 at XXXX XXXX : XXXX to review account including a {$95.00} fee. American Express detailed that {$95.00} was annual fee. Requested that the card be cancelled and since card was never received, the {$95.00} fee be removed. Response from American Express was that if card was cancelled the {$95.00} fee will remain. Accordingly alleging deceptive practices.

Company Response:

State: CT

Zip: 064XX

Submitted Via: Web

Date Sent: 2023-01-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6474980

Date Received: 2023-01-23

Issue: Problem with a purchase or transfer

Subissue: Charged for a purchase or transfer you did not make with the card

Consumer Complaint: I received a {$500.00} Amex gift card sealed in an envelope for a work gift from my employer. The card had the full amount in XX/XX/XXXX when received, I used it several times to make purchases in XXXX and had {$210.00} remaining on it. I went to use this card at a retailer on XX/XX/XXXX and it was declined. I checked the account balance and it was {$5.00}. There were 4 unauthorized transactions at gas stations from the month of XX/XX/XXXX that I did not make, in a completely different county than where I am located. The transactions that were unauthorized, totaled {$200.00} all from XXXX XXXX, attaching an image of the transaction dates and amounts. I called Amex Gift Card services right away on XX/XX/XXXX and they told me that I have to call the merchant myself and they can not file a dispute but if the merchant can't help to call them back. I called the merchant - XXXX XXXX on XX/XX/XXXX and my call ref. number is XXXX. They informed me that they can not help me and that I need to file a dispute on the charges with Amex. So I called Amex back on XX/XX/XXXX, was on hold for roughly an hour and the representative said flat out, you have to contact the merchant. I told her I did and she said that Amex can't do anything or file a dispute, I can only contact the merchant. I am extremely frustrated that Amex won't take accountability for this. Clearly, the gift card 's information was somehow stolen from Amex, even though I have the physical card and Amex refuses to do anything.

Company Response:

State: CA

Zip: 91604

Submitted Via: Web

Date Sent: 2023-01-23

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6471866

Date Received: 2023-01-22

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: Received a special offer to open an account, followed QR code opened account, complied with the terms. Bank is stating that wrong account was opened, refused to provide rewards. Opened Complaint # XXXX with the bank, emailed all supporting documentation : did not receive response within XXXX business days and up to date.

Company Response:

State: WI

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6468854

Date Received: 2023-01-21

Issue: Other features, terms, or problems

Subissue: Problem with balance transfer

Consumer Complaint: I am a senior citizen that was taken advantage of by American Express through a bait and switch from the customer service on the phone. I have a American express blue card for the past year with a 0 % interest rate. I currently have around {$15000.00} on this credit card. The 0 % interest rate ends XX/XX/2023, and on XX/XX/2023 interest rate goes up to 21.9 %. In XXXX I called American Express customer service and explained Im looking to transfer this balance to another 0 % interest rate card and do they have any available. The man told me on the phone that he does see another American Express card with a 0 % annual rate that I could transfer my current American Express card to with a zero dollar transfer fee also. He said I am being recorded and if I accept, he will run my credit to see if I can get the other credit card from American Express so I can transfer my first American Express card to it. He said I am able to transfer {$7500.00} to the new American Express card from my old American Express card. I also have no money to pay for a transfer fee. If it is done from American Express back to another American Express card. And remember this conversation was recorded so I need the FTC to listen to this conversation to verify this!! I told him it was OK to run my credit. He came back and said I got approved for another American Express card so when I receive the card I can then transfer {$7500.00} from the XXXX American Express card to the new American Express card. Yesterday, XX/XX/2023. I received my new American Express card in the mail. Today XX/XX/2023. I called American Express and they said they do not transfer balances from one American express card to another. They said my conversation with the Man did get recorded and the only thing they can do is talk to him about him giving out wrong information to customers. But they can not give me a 0 % interest rate on my current balance, and there is nothing they can do. They will open up an investigation, but nothing will come out of the investigation because they do not do that. Even if American Express customer service gave out the wrong information to me in order for me to get another card from them. My resolution is for American Express to give me a 0 % interest rate on my initial card of {$15000.00} i was looking to transfer since they bait and switched a senior citizen to take advantage of me. They just told me to go to another institution and transfer them out to a new bank. I told them Im not going to do that. It will make my credit score suffer and I should not have to do that since American Express specifically told me what to do. It is not my fault they are giving out wrong information on the phone to senior citizens..

Company Response:

State: OH

Zip: 45211

Submitted Via: Web

Date Sent: 2023-01-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6468103

Date Received: 2023-01-21

Issue: Fees or interest

Subissue: Charged too much interest

Consumer Complaint: I was comparing my American Express statement from XX/XX/XXXX with my XX/XX/XXXX statement. On my XXXX statement it shows that my APR on purchases made between XX/XX/XXXX and XX/XX/XXXX is 20.49 %. On my XXXX statement it shows that my APR on purchases made between the same time period of XX/XX/XXXX and XX/XX/XXXX is now 24.74 %. I called the bank and asked how it is legal for them to retroactively increase my interest rate and I spoke to multiple people that could not give me a straight answer. I was only told that I have a variable rate card and that the Fed is raising interest rates, which I understand. They told me to read my customer agreement. Nowhere does it explicitly state that they are allowed to retroactively increase my interest rate for purchases made during a previous time period. I also never received any written notice that they intended to make this change. This is predatory and should be illegal.

Company Response:

State: FL

Zip: 330XX

Submitted Via: Web

Date Sent: 2023-01-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6467078

Date Received: 2023-01-21

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

Subissue: Problem with personal statement of dispute

Consumer Complaint: I have a problem with American Express reporting a 30 day late payment to my credit report which is destroying my credit. My account is closed also paid in full. When I contacted them about the problem I was told false information. I also was told that their credit reporting team never reported any late payments to the Credit Bureaus.

Company Response:

State: DE

Zip: 197XX

Submitted Via: Web

Date Sent: 2023-01-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6465528

Date Received: 2023-01-20

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Consumer Complaint: Hi, I am writing this letter to file Complaints against American Express. 1 ) American Express has been very dishonest about their credit card offers. 2 ) American Express has been wasting my time and lying about their willingness to follow up with me. 3 ) American Express has committed a fraud against me. American Express did not honor me for what they advertise to offer for consumers like myself. On several websites, American Express offers sign up bonus points from opening their XXXX Credit Card with a spending of {$6000.00} within 6 months of opening the account. In addition to that, consumer has to pay a {$690.00} annual fee. Also, the sign up bonus points will be granted in about XXXX to XXXX weeks after the consumer met the spending threshold. Here are some of the links : https : //www.uscreditcardguide.com/amex-platinum-card/ # disqus_thread https : //www.americanexpress.com/us/credit-cards/card/platinum/ So, on XX/XX/XXXX, I applied online for the first time in my life this Platinum Credit Card from American Express and I was approved right on the spot. Note : I can send you the attachment from American Express approval letter. Few months after I already met all their requirements of spending the {$6000.00} within the first 6 months of opening the account. On XX/XX/XXXX, I chat online through my American Express credit card online account to make sure that I met their requirements and/or criteria for their sign up bonus points and I asked and confirmed that the sign up bonus points were given in about XXXX XXXX weeks. The agent from the chat-room confirmed my concerns and sent me some information. Note : I can send you the attachment from my online chatting with the agent from American Express. Also, I phone called American Express on that same day ( XX/XX/XXXX ) to confirm and verify with the sign up bonus points requirements and/or criteria. The representative who I spoke to, he confirmed that I met the requirements and my sign up bonus points should be posted in about XXXX to XXXX weeks. They never said I was denied for the sign up bonus points. On XX/XX/XXXX I called again, and spoke to a manager. He told me that my bonus points should be ready the earliest by XX/XX/XXXX ( since it needs about XXXX to XXXX weeks to be posted into my account ). At this point, the manager did not mention either about my sign up bonus points-denial. So, I patiently waited for XXXX month after my last phone call. On XX/XX/XXXX at around XXXX. I called American Express, and I was told by a representative that my sign up bonus points were declined because of offer history. So, she transferred me to a second level of management, and the manager said that he does not know why my sign up bonus points were denied and he will have his higher level manager to call me back within XXXX hours. After XXXX hours of waiting, NOT a single person from American Express called me back. So, On XX/XX/XXXX around XXXX pm, I phone called American Express again and the Team leader named XXXX refused to answer my phone call because the representative put me on hold for about XXXX minutes or so and XXXX told the representative to tell me that I am not eligible for the sign up bonus points " due to balance and number of credit cards. '' So, I asked the representative to email me or mail me that particular NOTE of denied sign up Bonus points she was talking about ; however, she said there is no way they can send it through the mail or email about that NOTE to me. After XX/XX/XXXX, I have called American Express few more times in different date. However, I got the same answers : no manager is available, and we will call you back. But in reality they never called me back. On XX/XX/XXXX around XXXX, I called American Express again and the representative told me that no manager is available but they will call me back within XXXX to XXXX hours. Finally on the same date XX/XX/XXXX ( Thursday ) around XXXX, a manager from American Express called me back ; however, she said there is nothing she can do and I was denied for the sign up bonus offer on XXXX XXXX. My questions/concerns/complaints : XXXX ) Why did American Express approve my application on the first place? American Express should have given me a notification of the denial notice of the sign up bonus points when I applied for this credit card and the notification should have sent to me before I was approved. And SHOULD NOT wait until I the consumer spent all that money, time, and phone calls after phones without any answers or solutions. XXXX ) American express should had sent me the denial note or letter for the sign up bonus points when I applied this Platinum Credit and should had NOT waited until I ( the consumer ) HAD to call them several times in different occasions to find out this fraudulent offer. American Express is not in a good faith. Spending over {$6000.00} in 6 months and the annual fee of {$690.00} is a LOT of money. If American Express would not honor me with their advertised offer ; I would have spent my money in other credit card companies where they truly value their customers and honor their customers for what they were offered to. XXXX ) Even after so many phone calls I did, American Express failed to send me and refused to send any notification or letter with explanations regarding the denial of the sign up bonus points. 4 ) This is very deceptive and American Express has been very dishonest about their credit card offers. Why American Express offers and advertises products to consumers like me ( who never got this Platinum card before ) when American Express does not even fulfill their promises or offers? 5 ) Representatives and/or managers from American Express said that my sign up bonus points were denied Because of offer history? and Due to balance and number of credit cards? This is the first time I have ever applied their XXXX Credit card from American Express, so I have never gotten this offer before. Per American Express representative : a person can hold a maximum of XXXX credit cards from American Express. In this case, I do not have more than 5 American Express credit cards. And American Express can check my history. Due to balance. I pay off every single credit card I have and I do not owe any balance from American Express. American Express can check my payment history as well. So, I do not know where American Express representatives got these ideas from. 6 ) The latest representatives and managers said that my sign up bonus points were denied. One of the managers told me the denial of the sign up bonus points was on XX/XX/XXXX. So, why the first couples of representatives and manager who I talked to earlier in XX/XX/XXXX did not even mention any thing about this denial? All their stories do not add up or match. Why are they holding this information until I asked them about it and not telling me earlier? 7 ) I have been very patient with American Express ; however, American Express representatives just do not care and are not willing to find solutions to this problem. Not a single person called me back as they promised from my previous phone calls. During my several different phone calls in different occasions, American Express representatives have been lying to me because they always said they will call you back but in reality they will Never call you back. In conclusion, I have been very patient and I have been a loyal American Express customer for over 20 years and I have never encountered this kind of dishonesty and fraudulent offers. I even offered/asked for a happy ending win-win solution in which American Express refunds my annual fee of {$690.00} for all these inconveniences instead of giving me their advertised/promised sign up bonus points ; however, they refuse to do so in addition to not willing to provide any letter or notification with explanation of the sign up bonus points denial. I believe American Express is not in a good faith. I believed American Express has committed a fraud against me. I hope sincerely the consumer financial protection Bureau can help me to solve this problem as soon as possible. Thank you for your assistance and understanding. Respectfully, XXXX XXXX XXXX XXXX XXXX

Company Response:

State: TX

Zip: 75074

Submitted Via: Web

Date Sent: 2023-01-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6465025

Date Received: 2023-01-20

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: American Express contacted a relative on XX/XX/23. I contacted the representative, XXXX XXXX at XXXX XXXX on XX/XX/23 where I was informed that they wanted to talk to me about a potential settlement. I informed XXXX XXXX that I have an attorney representing me for the handling of this debt, that said attorney has already sent a power of attorney to AMEX and that communications needed to be conducted via that attorney. I was told by XXXX XXXX that because my attorney works for a debt consolidation firm that AMEX would not be contacting them because they don't deal with debt consolidation firms. I thanked him for his time and discontinued the call.

Company Response:

State: SC

Zip: 29072

Submitted Via: Web

Date Sent: 2023-01-20

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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