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: 7920994

Date Received: 2023-11-28

Issue: Fees or interest

Subissue: Charged too much interest

Consumer Complaint: My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.

Company Response:

State: LA

Zip: 701XX

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920845

Date Received: 2023-11-30

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company Response:

State: TX

Zip: 78613

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920766

Date Received: 2023-11-30

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. AMERICAN EXPRESS XXXX There must have been an error and this must thoroughly investigate. XXXX and XXXX have already removed this account from their records. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.

Company Response:

State: CA

Zip: 92201

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920693

Date Received: 2023-11-30

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: On multiple instances i requested that American Express, XXXX XXXX XXXX XXXX XXXXXXXX provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.

Company Response:

State: NY

Zip: 11209

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920671

Date Received: 2023-11-28

Issue: Trouble using the card

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

Consumer Complaint: Unable to use American Express Gift Card - all transactions are declined regardless of amount and merchant. The card has sufficient balance to cover the transacted amounts in full. American Express website verified the card is active and the balance amount.

Company Response:

State: NJ

Zip: 08876

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920345

Date Received: 2023-11-28

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company Response:

State: GA

Zip: 30016

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920228

Date Received: 2023-11-28

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: Attention underwriter!!! I recently applied for a credit card. I was denied. My next step will be a complaint with Consumer financial protection bureau and I have a claim. On the consumer transaction. I ask we proceed and Act in good faith. Denying me access to my credit is discrimination. I have rights to my credit, Withholding my access to my securities is securities fraud. According the consumer credit protection act, equal credit opportunity act, title 15 USC 1691. My ss # is my full faith in credit. Please give me a list of all the factors of this consumer transaction. I am the beneficiary. I am aware of the securitization process and am entitled to the proceeds. Interest. Please correct the error. Thank you. Looking forward to setting this matter. You sent

Company Response:

State: AK

Zip: 99504

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920217

Date Received: 2023-11-28

Issue: Trouble using the card

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

Consumer Complaint: Unable to use American Express gift card online, Card keeps declining even though it's active and the balance is available, I tried multiple gift cards between {$600.00} and {$1000.00} on major shopping websites like XXXX and XXXX. Every time I try make a purchase, the card declines, there's sometimes a 10 cent pending charge when I check the balance on XXXX I contacted American Express customer service but they are unhelpful as they keep telling me it's a merchant problem not theirs.

Company Response:

State: NY

Zip: 11418

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920165

Date Received: 2023-11-28

Issue: Trouble using the card

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

Consumer Complaint: I have {$16.00} remaining on an American Express gift card which I have been unable to spend anywhere. I have repeatedly tried to use it for XXXX purchases with no success, and today ( XX/XX/23 ) I tried to use it to pay a medical bill. The purchases are always declined.

Company Response:

State: CA

Zip: 91504

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920155

Date Received: 2023-11-28

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: Ref : XXXX Dear American Express XXXX I, XXXX XXXX XXXX the consumer and natural person, was denied credit by American Express when I applied for a Blue Cash Preferred from American Express credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. American Express is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received. American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.

Company Response:

State: CA

Zip: 90044

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with explanation

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.