September 2021 Complaints Against American Express

Compiled from Public Data by FairShake

If you have an issue with American Express, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2021, the CFPB received 3330 complaints against American Express. American Express ranked Number 15 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: September 2, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: NJ

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 1, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: GA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems
Sub-Issue: Other problem

Full Complaint:
This is a follow-up to CFPB Ref No. XXXX-XXXX that AMEX closed saying that they have resolved the matter. The matter is not closed. Since XX/XX/XXXX, I have been contacting AMEX to -1st – have payments I made to the wrong AMEX account ( that is closed ) transferred to another AMEX account or – 2nd – get a wire transfer refund for those payments summing to {00.00} so that I can place the credits on the correct account myself.

AMEX has not refunded my money and, on XX/XX/XXXX, wrote a letter to CFPB and yours truly saying that they requested a wire transfer refund on XX/XX/XXXX that I should receive in 2-3 days. Today is XX/XX/XXXX and still don’t have my refund. Thus, I’m opening up another complaint on this matter.

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: September 2, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: NY

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

Full Complaint:
I am a victim of identity theft. Someone I do not know hacked my computer and made this fraudulent charge amounting to {000.00} and was made on XX/XX/2016.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 1, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: UT

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems
Sub-Issue: Other problem

Full Complaint:
Shortly after opening my American Express card, I setup billing from my bank checking account and enabled Autopay. My bank declined my first payment for some reason, but worked a few days later with the same account number/routing number. Unbeknownst to me, American Express cancelled my autopay. While they informed me that the payment didnt go through originally, I was never notified that autopay was cancelled.

This month, I expected that my statement would automatically be settled through autopay, but I was surprised when I checked my account and I was assessed a late fee. I worked with Amex to reverse the fee after explaining that they cancelled autopay without my knowledge.

My main complaint and worry is that this credit card company is able to cancel autopay and not notify customers that this has taken place. This allows them to be predatory in collecting late fees that customers dont expect because their accounts go past due, when they shouldnt due to autopay.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 2, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: WA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn’t receive advertised or promotional terms

Full Complaint:
I signed up an Amex XXXX XXXX credit card with a welcome bonus of XXXX MR poitns after spending {00.00} within 6 months plus 10X restaurant MR bonus. However, recently an AMEX representative declined my welcome offer stating that, they popped up a warning window during my application saying ‘based on my history of AMEX , I am not eligible for the welcome offer. And because I proceeded with the application, they now decline my welcome bonus offer. I am disputing this for the following reasons : 1. I did not see such a warning popped up during my application! I am aware of AMEX rule about the popup window, but I did not see it. It may be the system ‘s error that did not popped the warning. 2. I have a good history with AMEX. I have a lot of organic spending using AMEX cards, and I have never closed a single AMEX card. I don’t understand why AMEX claimed my history was bad so they do not offer the welcome bonus offer to me.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 2, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: NY

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

Full Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2001 with a balance of {0.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 1, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: TX

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report

Issue: Problem with a company’s investigation into an existing issue
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Full Complaint:
On XX/XX/XXXX, I applied for the American Express XXXX XXXX XXXX card. I was denied with the following explanation : * Your XXXX Small Business Blended Credit Score ( see below ) * Based on your credit report, you have too many requests for credit, as reported by XXXX XXXX XXXX XXXX.
* Length of time accounts have been established. ( XXXX XXXX ) * The number of accounts with high balances in relation to their credit limits or original loan amounts. ( XXXX ) My business was new, so I could understand a decision based off of that and would have accepted that as the only point. The issue is with the remaining information ; that the information that they based their decision off of was not my information, and American Express refused to rectify the situation by looking into it properly.

First point, yes the business is a day or two old, so I understand this.
Second point, it was my second hard pull for credit in 2 years on my XXXX and XXXX reports.
Third point, 1.5 years average might or might not make a difference, though my oldest 2 cards are 2 years 5 months and 1 year 8 months, with my third and most recent 4 months old.
Fourth point, I have {000.00} in total credit ( because the automatic credit limit increase isn’t seen on this report yet by XXXX, the total available credit across 3 cards ( XXXX XXXX branded American Express card included is {000.00} ) with a total reported usage of {00.00}.

Additionally they included : * Too few non-derogatory sources of information on record for you.
* You have degrogatory public records associated with you.

According to them, I have public records on my credit report with XXXX. This is inaccurate, and I was told to contact XXXX. I did. XXXX told me that there wasn’t any public records on my account, and I was told to contact American Express again, and then I was pointed at XXXX again. Unfortunately in this case, no one is willing to take responsibility, nor are they willing to put the effort in.

I have ensured that I have paid all of my accounts on time because credit is important. I have never missed a payment with these accounts, and it’s absurd and defamatory that American Express would suggest otherwise!

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 3, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: NV

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 2, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: NY

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid

Full Complaint:
In the year 2020, I was in Debt with American Express, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I owed around {00.00} to American Express, around {00.00} to XXXX, & {00.00} to XXXX XXXX XXXX XXXX XXXX. I have payed off all my American express cards but they closed my accounts, XXXX is paid off in full and the account is still open but their evaluating my account to see if they can reinstate my credit. XXXX account is closed but the balance is fully paid off. All accounts are paid in full.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 1, 2021

Company Official Name: AMERICAN EXPRESS COMPANY

State: SC

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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