Credit card -- Problem with a purchase shown on your statement -- Complaint #19086803
Complaint Overview
Complaint ID: 19086803
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 92592
Date Received: 2026-01-28T12:00:00-05:00
Date Sent to Company: 2026-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for and was approved for an American Express XXXX XXXX Everyday credit card after being presented with a promotional 0 % APR balance transfer offer for a fixed introductory period with a balance transfer fee. After approval, I completed a balance transfer of approximately {$7500.00} and was charged a balance transfer fee of about {$250.00}. When my first statement generated, American Express treated the balance transfer as a purchase and charged interest at approximately 24.99 %, resulting in about {$110.00} in interest charges. I contacted American Express and was later told that I was ineligible for the promotional balance transfer APR because I had received a similar balance transfer promotion on a different American Express account several years earlier. This eligibility restriction was never disclosed during the application or approval process. I filed a written billing dispute under the Fair Credit Billing Act. American Express acknowledged the dispute ( reference XXXX ), temporarily stopped interest accrual, and stated the amount was under review. I also participated in an internal complaint process. American Express ultimately closed the dispute and complaint and refused to refund the balance transfer fee, stating that no promotional offer could be located. I repaid the balance transfer in full. I am requesting a refund of the balance transfer fee and correction of any related charges, as the promotional APR was denied retroactively based on an undisclosed eligibility restriction after approval and after the fee was charged.
Frequently Asked Questions
What is Complaint #19086803 about?
Complaint #19086803 was filed against American Express Company regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2026-01-28T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". 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.