Credit card -- Fees or interest -- Complaint #16910337
Complaint Overview
Complaint ID: 16910337
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: New Jersey
ZIP Code: 07090
Date Received: 2025-10-29T12:00:00-05:00
Date Sent to Company: 2025-11-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was charged an unreasonable {$240.00} in interest due to a one-day payment delay caused by interbank processing, not by my own negligence. My payment was sent before the XX/XX/XXXX due date but was posted on XX/XX/XXXX. Despite always paying my balance in full, American Express charged me XXXX months of interest because the XXXX XXXX XXXX ( POT ) feature was automatically enabled without my consent. I never opted in to the XXXX XXXX XXXX program and was not properly notified that it had been activated on my account. As a result, my entire balance was treated as a revolving balance, generating excessive interest charges for just XXXX days delay. I contacted American Express multiple times to resolve this, but they refused to waive the interest. They offered a partial {$50.00} refund, which I declined because this is not about the amount but about the unfair and unauthorized practice. Their handling was dismissive and unprofessional, and no formal case reference or complaint confirmation was provided even after repeated requests.
Frequently Asked Questions
What is Complaint #16910337 about?
Complaint #16910337 was filed against American Express Company regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-10-29T12:00:00-05:00.
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.