Credit card -- Fees or interest -- Complaint #13521496
Complaint Overview
Complaint ID: 13521496
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Colorado
ZIP Code: 804XX
Date Received: 2025-05-14T12:00:00-05:00
Date Sent to Company: 2025-05-14T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to formally dispute the assessment of " Renewal Membership Fees '' on my XXXX XXXX XXXX American Express XXXX. My XXXX XXXX, which is explicitly associated with my name and account number, clearly states there is no annual fee. Despite this, I was charged : {$250.00} in XX/XX/XXXX {$350.00} in XX/XX/XXXX These charges clearly function as annual fees and directly contradict the terms outlined in the contract on file. I spent a considerable amount of time in an online chat with American Express customer service requesting clarification. The representative abruptly ended the chat, and I have a saved transcript of that interaction. I also spoke with a phone representative who echoed the same response : that there is a {$350.00} annual fee, and provided me only with a generic card agreement, not the specific agreement tied to my account. I explained that my personal contract states there is no annual fee, yet I was denied the ability to file a dispute or receive a refund because the most recent charge was outside the XXXX dispute window. I was told I could submit a copy of my contract, but even if accepted, no refund would be issued due to timing. My Concerns : This appears to be a case of deceptive billing. Charging a fee not outlined in the signed agreement constitutes an unfair business practice. Denying the ability to dispute a misrepresented fee due to internal time limitswhen the contract does not authorize the charge in the first placeis troubling. The refusal to honor a contractually binding agreement raises serious concerns about consumer protection and corporate transparency. I have a copy of my agreement, clearly showing there is no annual fee, and I am prepared to provide it upon request.
Frequently Asked Questions
What is Complaint #13521496 about?
Complaint #13521496 was filed against American Express Company regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-05-14T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.