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: 8196786

Date Received: 2024-01-21

Issue: Problem with a purchase or transfer

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

Consumer Complaint: Received an AMEX gift card for 2023 XXXX, have tried to use at XXXX, XXXX and several locations, will not work even though balance says it is {$100.00} available.

Company Response:

State: GA

Zip: 30188

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8196784

Date Received: 2024-01-21

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: I have been a member with American Express for their Delta SkyMiles Amex XXXX credit card since XX/XX/2018. It has annual fee and every year at renewal, a companion certificate is issued for a Delta flight. In XXXX, I decided to downgrade my card to a free version as I did not feel it was worth paying the annual fee after changes to Delta 's rewards program. I received a letter in the mail saying that I had until a date in XXXX to reverse the product change. Before that date in XXXX, I called customer service and requested reversal of the product change. I asked to confirm if the reversal would truly reverse the change and make it as if I never changed products. The agent told me yes, confirming what was written on the letter. The issued the XXXX card again, but will not issue the renewal companion. They claim that I am not eligible because of the product change. I've tried explaining the the letter said I could reverse the change, but they say it doesn't matter. I've asked them to reissue the letter that was sent in XXXX for me to reverify, they are refusing to resend. They will only send me the credit card terms in conditions, as this supports their position. I believe they are wrongfully withholding a credit card benefit from me that I should be entitled to. I paid my annual membership fee, which should count as a renewal since I've been a member since 2018. I believe based on what I discussed with them with the written notice I received, they should either issue me with the companion certificate or waive my annual for this year. Unfortunately, the written notice they provided me has been misplaced so I can not provide. They do not provide a digital version of the notice, and they will not reproduce the letter.

Company Response:

State: NY

Zip: 10065

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8196414

Date Received: 2024-01-21

Issue: Trouble using the card

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

Consumer Complaint: I was given a {$1000.00} AmEx gift card by a relative. The card was activated and funded correctly. However, the gift card is declined at virtually all online and in-person merchants I have tried. This includes XXXX, XXXX, XXXX ( in-store ), and various others. Upon researching this issue, I found that countless others have either given or received these gift cards, which are marketed by American Express as follows : " American Express Gift Cards and Business Gift Cards and American Express eGift Cards and Business eGift Cards may be used virtually anywhere in the U.S. that accept American Express Cards. '' This statement is patently false. These gift cards cards are completely worthless and are declined almost universally, which is tantamount to fraud, as American Express simply keeps the funds utilized to load the cards.

Company Response:

State: NY

Zip: 10038

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8196129

Date Received: 2024-01-21

Issue: Trouble using the card

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

Consumer Complaint: XXXX XXXX, called Amex to get info on why I can't use the card which is for the amount of XXXX dollars, they directed me to the Amex site to make my purchases then declined those purchases. Everywhere I try to use the card Amex declined the purchase not the vendors. So I feel as though Amex has taken my money and I get nothing in return

Company Response:

State: GA

Zip: 30016

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8196101

Date Received: 2024-01-21

Issue: Trouble using the card

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

Consumer Complaint: Tried purchasing " online '' on XXXX, XXXX, XXXX, XXXX, XXXX, and it continues to get declined. Although, there is a full balance available. I thought it was a mistake. Purchased another Amx prepaid gift card and same problem.

Company Response:

State: CA

Zip: 91702

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8195893

Date Received: 2024-01-22

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Consumer Complaint: I'm due XXXX Delta miles for using the XXXX AmEx. I spent over {$2500.00} to get the bonus air miles. XXXX AmEx is claiming that there was a warning page online claiming that I won't be getting the bonus miles, but I beg to differ. Please have the company provide proof that the application had the tagline.

Company Response:

State: NJ

Zip: 076XX

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8195774

Date Received: 2024-01-22

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: Subject : Notice of Assessment of Collateral Security and Breach of Contract Accounts Ending In : XXXX ; XXXX ; XXXX This purpose is to redress an infringement of rights. Violations that are prohibited by law from engaging in knowingly and recklessly practices that those regulatory authorities deemed unsafe and unsound, which have led to the breach of fiduciary duties. According to American Expresss prospectus and 10Q forms : Securities will be AMEX obligations. Monies will be held in trust for payments. Each security will bear interest from its date of issue until paid, until the principal of the security is paid, or security made available for payment. Interest will be paid upon redemption or repayment to the person to whom is the principal and will credit the relevant account. Deposits will be deemed to have been paid and discharged the entire indebtedness on the securities. Securities are under a book entry system. Holders of the applicable securities would be able to look only to the trust fund for payments of principal and interest on debt securities. Reling on procedures of the depository, whom you hold your beneficial interest to exercise any rights of a holder under the indenture. The depository will act upon the instructions or be authorized to take any action that is entitled to take. Receivables and card member loans are securitized, and assets will transfer to securitized trust. Securities collateralized are issued and assets are transferred to investors. After reviewing 10K forms, AMEX has failed to meet requirements and may need to be barred from engaging in financial activities like acquisition investments. American Express National Bank ( AMNB ) are subject to limitations, collateral requirements, and other restrictions, imposed by statues and regulations. Securitization of card member loans and receivables is accomplished through the transfer of those assets to a trust which in turn issues securities collateral by the transfer act of assets to investors. As an issue depository institution AENB borrowed from the Federal Reserve Bank the amount of qualifying collateral. The Federal Reserve has indicated that both credit and charge card receivables are a form of qualifying collateral. Assets will be considered qualifying collateral. Expressing attention to the fact that there have been breaches in Tiers 1, 2, and 3 which indicate a pattern of misconduct. This is causing the principals account to be negatively impacted and results in benefits to such parties. Describing this as violating regulations issued pursuant to the Federal Reserve Act. This pattern of behavior is particularly troubling because these companies are participating in, counseling, aiding, and abetting violations. Which goes against the principles of trust and integrity that isnt expected from a reputable company. Given the circumstances and assessing this situation under Tier 3. This tier addresses the severity as the violation, practice, and breach that continues. To further illustrate the seriousness of these matters, a calculated fee schedule of {>= $1,000,000} per day, backdated to XX/XX/2023, when security collateral was accompanied with a tender. This amount reflects the significant time, financial loss, and stress that has been endured throughout this process of performance. Expressing dismay at the denial of notes for collateral security, as it deviates from transferring principals balance to principals account. The decision appears to be false and misleading, and left questioning the factors that led to this outcome. In assessing the situation and considering all violations in accordance with Section 29 ( e ) of the Federal Reserve Act. This section stipulates that in the case of any penalty imposed by American Express National Bank it must be assessed and collected by the Comptroller of the Currency ( OCC ) and Consumer Financial Protection Bureau. American Express National Bank is subject to be supervised and regulated by the Federal Reserve System and is subject to the federal reserves requirements including regulatory and leverage requirements by the OCC. Failure to meet requirements can initiate certain mandatory and additional discretionary actions. It is a policy of the Federal Reserve that bank holding companies should pay dividends. Trusting that your company will take these considerations seriously and work towards resolution. Anticipating your prompt attention to these matters. Thank you for your attention to this matter. Sincerely, By : XXXX XXXX XXXX XXXX AGENT FOR : XXXX XXXX \ PRINCIPAL Without recourse XXXX

Company Response:

State: GA

Zip: 30126

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8195710

Date Received: 2024-01-22

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: Hi. This is my 3rd complaint on American Express for SCRA benefits. I used the chat option through American Express on XX/XX/XXXX to ask them when my accounts would be approved for SCRA benefits. They informed me that my accounts were approved on XX/XX/XXXX and they were still deciding when the actual start date would be. I noticed last week that I have not received any credits for any interest rate I have paid above 6 % and credits for any late fees. I used the American Express chat option again on Friday, XX/XX/XXXX to see when I would received my credits and to see what date they used for my SCRA benefits to begin. They told me they have a start date of XX/XX/XXXX. First, that date is wrong and I have no idea where that date came from. Second, still no credits or reversed late charges from XX/XX/XXXX. My husband was reactivated with the military with a start date of XX/XX/XXXX until present. According to XXXX XXXX XXXX, my accounts need to have a backdate of SCRA benefits to XX/XX/XXXX and any interest I have paid that was more than 6 % and any late fees need to be credited to my accounts. I have sent them my husband 's orders several times and I have been fighting with American Express for almost 2 years now. This is an embarrassment to service members! Please refer to my husband 's military orders again. You will see on page 6 is when his orders started on XX/XX/XXXX and the following pages show additional orders until present.

Company Response:

State: TX

Zip: 765XX

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8195205

Date Received: 2024-01-22

Issue: Trouble using the card

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

Consumer Complaint: I received XXXX {$100.00} and XXXX {$500.00} American Express Gift Cards for the holidays.I have relentlessly trying to use them at least XXXX - XXXX in person and online retailers, every time the {$100.00} Gift Cards get declined. The {$500.00} gift card gets declined most of the time, but I am unable to use the remaining balance. I have reached out to XXXX multiple times. There has been no resolution. I am owe a total of {$490.00} ( {$300.00} in XXXX {$100.00} gift cards and {$190.00} in the remaining balance of the {$500.00} Gift Card.

Company Response:

State: FL

Zip: 33155

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8194338

Date Received: 2024-01-21

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 is a Hilton Honors Surpass AMEX card. I received a statement with closing date XX/XX/23 in the amount of {$520.00}. I called to explain that was not possible as I do not use this credit card for any reason ( it sits in a locked box in my desk drawer ). It is not attached to any online website to be used purchases either. I asked what the charge is even for and I believe it was some kind of money transfer involving a XXXX account ( I have a XXXX account but it has been dormant for many years and would never be associated with this credit card anyway ). I reported the fraud and i believed it was all taken care of- they mailed me a new card. I received another statement in the mail with closing date XX/XX/23 in the amount of {$220.00}. I called to ask what this charge was for and I was told that it is the remaining balance after the first call I made did not bring my balance to XXXX for some reason - only a part of it was considered fraud? so i still had to pay the remainder. I told them again, how can i have any balance at all when i have never made a transaction with this card - 100 % of the original balance was fraudulent. I explained all of this and I was told it would removed as well - and they would be sending me another new credit card - another, new card, you are reading that right. I received another statement with closing date XX/XX/23 in the amount of {$73.00}. I called, again, and asked what is going on and I was told that the balance now is for fees. I asked why I would be asked to pay fees on charges that were fraudulent. I am currently on the phone with AMEX customer service as I write this. I consider the number of calls I have had to make and the amount of time I have spent trying to correct this to be a form of harassment and I want AMEX to be punished. They can not be allowed to do this to someone and get away with it.

Company Response:

State: NY

Zip: 14223

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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