I ordered creams, boxes of catheters, and thermostats to XXXX XXXX using my American Express and XXXX Credit card. This was supposed to be sent out as XXXX orders that were already generated from XXXX as fulfilled by merchant ( FBM ) fulfillment. Needless to say, XXXX people complained they received mini toothpastes as opposed to the ordered item. XXXX XXXX was also supposed to send out a much larger order to XXXX which I later switched to my house. I had to encourage XXXX multiple times to send the larger XXXX order out even though it was paid XX/XX/XXXX. Needless to say, I was never able to get an assurance this shipment was sent out, and XXXX attempted to lie there was nothing wrong with the shipments, even though I received a returned mini toothpaste.…
CFPB COMPLAINT DATABASE
American Express
913 real consumer complaints filed against American Express at the Consumer Financial Protection Bureau in the last 12 months. 232 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Problem with a purchase shown on your statement212
- 02Other features, terms, or problems132
- 03Fees or interest79
- 04Advertising and marketing, including promotional offers76
- 05Trouble using the card59
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I am filing this complaint against American Express for inaccurate account reporting and failure to properly investigate a billing and payment dispute that I have been attempting to resolve since XX/XX/year>. My account ( ending in XXXX ) is currently being treated as delinquent despite the fact that I made timely payments. American Express is also threatening to report late payments to the credit bureaus, which is inaccurate and damaging. I made payments of {$88.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Some of these were duplicate payments made in good faith due to confusion with autopay processing. American Express later issued corrections : Refund on XX/XX/XXXX : {$88.00} Adjustments on XX/XX/XXXX ( XXXX occurrences ) : {$88.00} each Adjustment on XX/XX/XXXX : {$88.00} After these corrections, there remain valid, on-time payments that satisfy my obligations.…
I am writing to file a formal complaint against American Express for failing to honor a disputed charge of {$1000.00} related to a hotel reservation I made in good faith and attempted to cancel in a timely manner due to a documented family medical emergency. Background In early XXXX I booked a XXXX-night stay ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX through XXXX ( Booking ID : XXXX ), charged to my American Express card ending in XXXX. Shortly before my scheduled arrival, my grandmother was placed in XXXX XXXX making travel to XXXX impossible. My Cancellation Attempts Upon learning I could not travel, I immediately contacted the property using the contact information provided directly within my XXXX booking confirmation email. That confirmation explicitly listed XXXX as the designated contact address for all reservation inquiries. I emailed this address on XX/XX/year> XXXX days before my scheduled check-in clearly stating my situation and requesting cancellation.…
In XX/XX/XXXX, I received a personalized offer from American Express to earn {$500.00} if I opened a new American Express XXXX XXXX Savings Account ( HYSA ) before XX/XX/XXXX, deposited {$25000.00} into the account, and maintained the balance for XXXX days. I followed the terms and conditions of the offer but did not receive the {$500.00} cash bonus. Below is a copy of the complete terms and conditions : To earn the cash bonus of {$500.00} you must : XXXX. Apply for a new XXXX account by XXXX pm ET on XX/XX/XXXX a. A " new '' account is an account for which you submit a completed application within the offer period and is subsequently approved by XXXX XXXX during or after the offer period ; b. Customers must apply using the credentials attached to the Card listed in the targeted offer. 2. Have XXXX or more deposits totaling at least {$25000.00} ( " Threshold Amount ) that are available to you in your new XXXX by XXXX pm XXXX within the first XXXX days of account opening. a.…
I reported my American Express credit card as stolen XXXX/or compromised XXXX instructed the company, on no fewer than XXXX separate occasions, that all transactions were unauthorized XXXX that the account was XXXX be immediately frozen with all activity blocked, including recurring charges. American Express confirmed in writing that fraud protections were in place XXXX that no further transactions would be authorized. Despite this, American Express continued XXXX authorize XXXX process transactions, including approximately {$1000.00} in charges after the account had been frozen XXXX after I had been explicitly told that all activity was blocked. These transactions include, but are not limited to, XXXX XXXX XXXX Charging, XXXX, and a charge identified as Corporate Filings in the amount of approximately {$620.00}. After these unauthorized transactions were identified XXXX disputed, American Express failed XXXX take appropriate corrective action.…
Recent complaints
The 30 most recent complaints against American Express where the consumer chose to publish their narrative.
I TRY TO OPEN AM AMERICAN EXPRESS ACCOUNT XX/XX/year> AND GOT A LETTER SAY MY APPLICATION WAS DECLINED I CALLED AND THEY TOLD ME THAT I HAVE AN ACCOUNT OPEN AND I NEVER OPEN AN ACCOUNT WITH AMERICAN EXPRESS BEFORE THE ACCOUNT THAT WAS OPEN WAS FRAUDULENT AND I WOULD LIKE TO DISPUTE THIS AND REMOVE IT FROM MY PROFILE AND OPEN MY OWN ACCOUNT IN MY NAME.
I am filing this complaint regarding actions taken by American Express concerning an alleged credit card account. I dispute the validity, ownership, and enforceability of the alleged obligation. I previously requested validation of the debt, including proof of ownership, a complete chain of title, and documentation supporting the enforceability of the account. American Express failed to provide sufficient documentation to substantiate its claim. Instead of properly responding to my requests, the company initiated legal action in state court. The governing Cardmember Agreement contains a binding arbitration clause requiring that disputes be resolved through arbitration upon election by either party. Despite this, American Express proceeded with litigation rather than complying with the agreed-upon dispute resolution process.…
I charged {$2100.00} to my American Express card on XX/XX/year>. The goods were delivered. However, the vendor never received payment. I have contacted American Express multiple times over the past XXXX days requesting basic trace information so we can locate the funds. American Express customer service and merchant services have both refused to help. I am not disputing the charge. I simply need American Express to tell me where my {$2100.00} is.
I opened an American Express Savings account on XXXX XXXX, 2026. My account was locked without warning the week of XXXX XXXX, 2026. I have submitted documents requested by American Express and have phoned over XXXX times to address my concerns, and American Express is unable to explain why my account is locked. As of this email on XXXX/2026 at XXXXpm Central Standard time my savings account is still lock, and I have no access to any of my funds.
I am a current American Express XXXX XXXX XXXX cardholder carrying a balance of approximately {$4600.00} at a 28.49 % APR. I have never missed a payment and have $ XXXX autopay set. I contacted American Express to request an APR reduction or any available program to help reduce my interest burden. I was offered the XXXX XXXX XXXX, however this program suspends my card usage and reports my enrollment to credit bureaus which would negatively impact my ability to obtain credit for my growing small business. I requested a direct APR reduction outside of the formal program and was denied. I am a responsible, paying customer who is being charged a near 29 % interest rate with no meaningful relief options. At this rate I have paid the equivalent of my original balance in interest charges. I feel exploited and taken advantage of during a period of financial hardship in my early adult years.
On XX/XX/year>, I attempted to withdraw funds from my Bluebird account, which I had been using to save for a vehicle purchase. I followed the fee-free ATM locations listed on Bluebirds official website, but each location attempted to charge fees. Because of this, I canceled those transactions and continued searching for a legitimate fee-free ATM, as advertised. At a subsequent ATM, I made XXXX attempt, then tried again and was blocked with a message instructing me to contact my financial institution. I immediately called Bluebird ( American Express ) customer service and was informed by a representative that my card had been flagged for a security breach. I requested that the restriction be lifted so I could access my funds. The representative confirmed that the lock had been removed and that my money was accessible. However, when I attempted another withdrawal, the ATM returned error code XXXX and I was still unable to access my funds.…
I am filing a complaint regarding American Expresss handling of a dispute involving misrepresentation of goods at time of sale. I purchased a vehicle advertised as equipped with air conditioning, including the statement A/C DOES NOT COOL, which represents that an air conditioning system was installed but non-functional Upon mechanical inspection after delivery, it was discovered that the vehicle had no air conditioning system installed at all. This is not a defect or late-reported damage. It is a material misrepresentation of the goods at the time of sale. American Express has repeatedly denied my dispute based on the merchants internal reporting policy requiring issues to be reported within 2 days. This policy does not apply to misrepresentation at time of sale, where the goods delivered differ materially from what was advertised. Additionally, American Express stated that the merchant offered compensation which I declined. This is factually incorrect.…
American Express refusing to provide complete account statements and billing history for disputed accounts I am filing this complaint against American Express concerning three credit card accounts that have been reported and/or billed with balances I dispute as inaccurate. The accounts are : Account ending/identified as XXXX Account ending/identified as XXXX Account ending/identified as XXXX These are the same three AMEX accounts I previously disputed in writing. American Express has been placed on notice that I dispute the existence, character, and amount of the alleged balances on these accounts. My complaint is straightforward : I need complete credit card statements and billing history from the date each account was opened through the date each account was closed or charged off, because there appear to be inaccuracies in the billing and account history.…
I reported criminal identity theft and fraudulent inducement involving the merchant XXXX and the stolen persona of public figure XXXX XXXX. Despite providing FBI ( XXXX Case # XXXX ) and FTC ( Report # XXXX ) documentation, American Express refused to open a fraud investigation. They are erroneously treating a criminal scheme as a 'merchant dispute ' and are demanding I contact a fraudulent entity, which is a safety risk and a violation of my rights under the Fair Credit Billing Act regarding self-concealing fraud and the Discovery Rule.
I am writing to file a formal complaint regarding my American Express Savings account, which has been restricted despite my prompt cooperation with all requested documentation. American Express requested account statements to verify activity, and I submitted the requested documents as instructed. However, the review process has taken significantly longer than expected, and my account remains restricted without a clear resolution timeline. This delay is creating financial hardship, as I am currently unable to access my own funds for essential expenses. I understand the importance of security reviews and compliance procedures ; however, the extended restriction period and lack of timely resolution are causing serious difficulty. I have complied fully with all requests and provided the required documentation in good faith, yet I have not received sufficient communication regarding when access to my funds will be restored.…
I am filing a complaint regarding a denied promotional bonus for an American Express high-yield savings account. The promotion required a {$25000.00} deposit by XX/XX/XXXX. I initiated a transfer of the remaining {$9500.00} on XX/XX/XXXX, which was prior to the stated deadline and done in good faith to meet the promotion requirements. Due to standard XXXX processing timelines, the funds were not posted to my account until XX/XX/XXXX. American Express has denied the promotional bonus solely based on the posting date, despite the fact that I initiated the transfer well in advance of the deadline. I believe this is an unfair application of the promotion terms, as consumers have no control over XXXX processing times once a transfer is initiated. I acted within a reasonable timeframe to meet the requirement, and the delay was due to normal banking processes rather than any failure on my part.…
Company : American Express Product : Credit Card Issue : XXXX XXXX XXXX XXXX Credit Card approval date : XX/XX/XXXX Credit Card delivery date : XX/XX/XXXX Spending limit requirement met on XX/XX/XXXX Complaint : I applied for and was approved for a credit card with American Express that included a welcome bonus requiring a {$1000.00} of spending within XX/XX/XXXX days and the bonus was {$300.00}. However, I did not receive the physical card after approval and had to contact American Express to request that the card be sent again. Due to this issue, I received the card approximately XXXX weeks later than expected. As a result, I lost a significant portion of the XXXX spending period required to qualify for the welcome bonus. I did not have the ability to use the card during this time because I had not received it and if I didnt call the company I would have never received the credit card.…
I am filing this complaint against American Express regarding a deceptive and misleading application process on the XXXX XXXX XXXX checkout page. On XX/XX/year>, while purchasing a flight ticket for {$800.00} on XXXX 's official website, I was heavily promoted with a welcome offer stating I would receive a {$300.00} statement credit and XXXX bonus miles upon approval. Because I was in a rushed checkout process to secure my airline ticket, any pop-up disclosure stating I was ineligible for the bonus was not clear, unmistakable, or prominent. I proceeded with the strong understanding that the advertised {$300.00} credit and miles would apply. Had I known that no credit or miles would be awarded, I would NEVER have agreed to open this account. Amex customer service has since refused to honor the welcome offer, claiming I accepted a no-reward offer. I feel trapped by this " bait and switch '' tactic during a time-sensitive purchase.…
I am filing this formal complaint against American Express Bank, N.A. for failure to conduct a reasonable investigation, continued reporting of unverifiable information, and violations of the Fair Credit Reporting Act ( FCRA ). On XXXX, I sent American Express a formal written dispute and demand for verification regarding account. In my dispute, I clearly challenged : The accuracy of the account The validity of the alleged obligation Their authority to report this account Their method of verification I requested specific documentation supporting their claim, including : Account origination records Full payment history Method of verification used under FCRA Proof of their authority to report the account FAILURE TO COMPLY WITH FEDERAL LAW American Express responded by claiming the account was verified, however : They FAILED to provide any substantive documentation supporting their verification They FAILED to explain the method of verification as required under 15 U.S.C.…
I was contacted by American Express through email on XX/XX/year> that limitations were placed on my checking account and that I needed to call in to find out what the problem was. When I was able to call XX/XX/year> and spoke to someone I was told that American Express had made a business decision to close my account and upon speaking up the chain with four different people I was told that no one would be telling me why my account is being closed, or why I can not access my own money. I was told I would receive a callback from someone in XXXX and as of XX/XX/XXXX no one has called me. The first problem with this situation is that no person from American Express called me and told me there was an issue with my account. Someone made a decision to freeze my account and left it to me to find out. The only communication I received from American Express was email.…
American Express Dispute XXXX XXXX. XXXX On XX/XX/XXXX, I paid {$2600.00} for garage door repairs : two torsion springs, one cable drum, and labor. The parts alone were billed at {$2000.00}. Those same parts retail for under {$120.00} total. This submission explains the overcharge and the XXXX law violations that accompanied it. Factual Background : I found the company through what appeared to be a XXXX listing for a local garage-door service. It was late at night and cold, so we needed an immediate fix. A technician named XXXX arrived and examined my garage door. He told me the springs needed replacing and mentioned they would cost about {$350.00} each. He provide no written estimate or a form to choose between written and oral estimates, and he failed to disclose my rights under XXXX law. When the work was done, XXXX presented the bill : {$750.00} per spring ( not {$350.00} ), plus {$550.00} for a drum, plus {$370.00} labor, plus a {$75.00} card fee.…
American Express seems to have a practice of notifying me the payment date in several different ways -- this is all very good, however, it is NEVER consistent. Sometimes, I will receive a payment due notification : The day before its due The day it is due A week before it is due Different methods : sometimes via text Via push notifications via email Never consistent So, in retrospect, it seems that American Express is banking on this inconsistent payment reminder system as a way to confuse the customer in a predatory way, that lands the customer with late fees, whenever American Express wants.
Subject : FORMAL LEGAL DEMAND FRAUDULENT ACCOUNT / FCRA VIOLATIONS/ NOTICE OF INTENT TO LITIGATE To Whom It May Concern, This letter serves as a formal legal demand regarding a fraudulent account being reported under my name by American Express. I state clearly and without ambiguity : I have never opened, authorized, or used any account with American Express. Your organization is currently reporting and/or maintaining an account that is false, unauthorized, and fraudulent, constituting violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and other applicable federal and state laws. LEGAL VIOLATIONS INCLUDE BUT ARE NOT LIMITED TO : Failure to follow reasonable procedures to assure maximum possible accuracy Furnishing inaccurate information to consumer reporting agencies Failure to properly investigate disputed information Potential identity theft facilitation due to inadequate verification procedures FORMAL DEMANDS ( NON-NEGOTIABLE ) : You are hereby demanded to : 1.…
On or around XX/XX/XXXX, I purchased two XXXX XXXX tickets through the American Express XXXX XXXX ( Booking Confirmation # XXXX ) for a total of {$6700.00}, charged to my American Express XXXX XXXX credit card ( ending XXXX ). The tickets were for myself ( XXXX XXXX, Ticket # XXXX ) and a companion ( XXXX XXXX, Ticket # XXXX ) for travel on XX/XX/XXXX to XXXX. The XXXX XXXX confirmation number is XXXX. Due to a visa denial, I cancelled the booking on XX/XX/XXXX through Amex Travel. At the time of cancellation, I was issued a full flight credit for the total value of both tickets ( {$6700.00} ), which was visible in my account. This flight credit was the basis on which I agreed to cancel rather than reschedule the flights to an alternative destination. On or around XX/XX/XXXX ( the original departure date ), Amex Travel initiated a refund request with XXXX XXXX. As part of this process, the flight credit I was issued on XX/XX/XXXX was automatically revoked from my account.…
I am filing this complaint regarding funds in the amount of {$3200.00}, plus accrued interest, that I have been unable to locate or access in my American ExpressXX/XX/XXXX Bank savings account. The last account statement I received was sent to my former address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. Since that time, I have attempted to locate and recover these funds, but have been unsuccessful. American Express has not provided a clear explanation of where the funds are, whether the account remains active, or if the funds were transferred, closed, or escheated. I have made multiple efforts to resolve this issue directly but have not received a satisfactory response or access to my funds. At this point, it appears the funds are either being wrongfully withheld or have not been properly accounted for.…
On XX/XX/year>, I booked flights through XXXX XXXX XXXX using my American Express Hilton Honors Card. During the checkout process on the XXXX website, I was presented with an option to use American Express Plan It, described as a way to 'pay later ' in monthly payments. This language, 'pay later ', is the same language used by Buy Now Pay Later services like XXXX and XXXX, which defer the charge and only bill you in installments. I understood it to mean the same thing : that the purchase would not charge to my card immediately, and I would only be billed monthly. That is not what happened. The full {$270.00} ( XXXX XXXX XXXX charges for {$130.00} ) was charged to my card immediately, and an additional {$79.00} fee was added on top, bringing my total to {$350.00} spread over 24 months. I did not understand I was agreeing to a financing fee. I did not understand the charge would post immediately.…
On XX/XX/year>, I was charged {$11000.00} by a merchant identified as XXXX XXXX ( processed as XXXX XXXX Payment, a XXXX XXXX-based payment processor ). This charge resulted from a high-pressure timeshare sales presentation in XXXX in which the product was materially misrepresented. During a multi-hour sales presentation, I was repeatedly told that the purchase included a guaranteed resale/income program, where unused weeks would be resold by the company and I would receive guaranteed payments within approximately 12 months. These representations were emphasized multiple times and were the primary reason I agreed to the purchase. After the transaction, I reviewed the actual contract and discovered that it directly contradicts the sales presentation, explicitly stating that there are no guarantees of resale or income. Additionally : The supposed resale program was not handled by the seller but by a third-party company ( XXXX ) with no obligation to perform.…
I am filing a complaint regarding American Expresss refusal to properly investigate and resolve unauthorized charges made on my credit card by my XXXX child. On or about XX/XX/XXXX through XX/XX/year>, multiple charges totaling approximately {$3500.00} were made to my American Express account through XXXX XXXX App Store/in-app purchases ). These transactions were made by my XXXX child without my knowledge or permission. My child did not understand that these actions would result in real financial charges. I did not authorize these transactions, nor did I knowingly permit my child to make purchases of this kind. I promptly contacted XXXX multiple times to request refunds, but my requests were denied and no dispute was allowed. I then contacted American Express to dispute the charges as unauthorized use. This activity also represents an unusual and significant spike in charges that I identified and reported promptly.…
I am submitting this complaint regarding the handling of my American Express account. On or around XX/XX/XXXX, my account was blocked without notice or consent. My physical card was disabled, my electronic card was removed from XXXX XXXX, and all chargesincluding autopay paymentswere declined, creating immediate disruption to my financial obligations. When I contacted customer service, I was first told no block existed. Later, I was informed my account had been flagged and that I must provide all bank statements from all accounts within 14 days, or my account would be closed. I requested all documentation related to this matter but was denied. I asked if alternative verification methods were available ; they stated they could request my IRS statement from the prior year but refused, claiming it would take too long. When I requested they proceed with the IRS documentation, I was again denied.…
I have been an American Express customer since XXXX and have consistently maintained my accounts in good standing, with a strong record of on-time payments and responsible usage. Approximately XXXX weeks ago, I noticed that XXXX identical payments had been initiated from my bank account toward the same American Express account. Wanting to avoid a returned payment, I proactively contacted American Express customer service and was advisedafter confirming multiple timesthat the best course of action would be to contact my bank and cancel XXXX of the duplicate payments. I was specifically reassured that taking this action would not negatively impact my account or trigger any issues. Following these instructions, I contacted my bank. Unfortunately, instead of canceling just XXXX payment, both payments were canceled. As soon as I realized this, I submitted a new payment to ensure my account remained current.…
I am filing a formal complaint against American Express for failure to provide access to an approved credit account and for ongoing unresolved service failures. My application for an American Express Gold Card was approved on XX/XX/scrub>, 2026. I was told the card would arrive within XXXX business days. As of today, more than a month later, I have still not received the card. Since XX/XX/XXXX, I have contacted American Express multiple times. Each time, I was instructed by customer service to have a replacement card issued because the previous one was not delivered. Despite repeated assurances, none of the replacement cards were ever received.…
I am writing to file a formal complaint against American Express regarding XXXX related concerns : ( XXXX ) their refusal to reduce my annual percentage rate ( XXXX ) despite my consistent payment history, and ( XXXX ) what I believe to be a pattern of predatory credit limit increases. I have been an American Express cardholder since XX/XX/XXXX. Throughout this entire period, I have never missed a payment and have consistently paid more than the minimum amount due each billing cycle. Despite this strong repayment record, my XXXX has never been reduced. When I contacted American Express customer service and subsequently their customer retention department to request a temporary rate reduction to help me pay off my balance, both departments refused. The representatives cited the current economic climate and geopolitical events as justification, but offered no concrete explanation for why my individual account, with its exemplary payment history, does not qualify for any rate relief.…
XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited {$500.00} from personal checking account XX/XX/XXXX deposited {$500.00} XXXX {$2700.00} from personal checking account Company has frozen my account funds for all the above listed transactions deposited into their company XXXX closed my account without offering any explanation as XXXX why ( verbal, email or letter ).
This is a continuation of CFPB complaint # XXXX, which was closed after the company responded but did not resolve the issue. American Express continues to restrict access to my High Yield Saving Account funds. They are requiring identity verification through methods that have already failed due to technical issues on their end, including a selfie verification process that did not function. I have made multiple good-faith attempts to comply with their requirements. Despite this, they are refusing to provide any alternative method of verification while continuing to restrict access to my funds. This effectively DENIES ME ACCESS TO MY OWN MONEY due to an inaccessible and non-functioning verification system. I am requesting IMMEDIATE RELEASE OF MY FUNDS via direct transfer or another reasonable method that does not rely on a failed verification process.
* * Company : * * American Express * * Product : * * Credit Card ( XXXX XXXX Preferred, Account ending XXXX ) * * Date : * * XX/XX/year> * * Complaint Summary : * * American Express placed a functional restriction on my credit card account ( charging privileges suspended and rewards access limited ) despite the account being current, without clear disclosure, consistent communication, or a defined resolution path. -- - * * Detailed Description : * * On XX/XX/year>, I received a notice from American Express stating that my account was under review and that I should make a {$2900.00} payment by XX/XX/year> to avoid a potential credit limit reduction. At the time of this notice : * My account was current * My minimum payment of {$230.00} was not due until XX/XX/year> * My utilization was approximately 40 % The notice stated I may experience temporary disruptions to spending, but did not clearly disclose that my account would be functionally restricted.…
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