Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4745737
Complaint Overview
Complaint ID: 4745737
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Credit card company forcing arbitration
State: New York
ZIP Code: 11355
Date Received: 2021-09-22T12:00:00-05:00
Date Sent to Company: 2021-09-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made two payments of {$8400.00} from my XXXX XXXX business checking account ending with XXXX respectively on XX/XX/XXXX, and XX/XX/XXXX. 1. The {$8400.00} payment on XX/XX/XXXX failed and the money was returned to my XXXX XXXX checking account. 2. The {$8400.00} payment on XX/XX/XXXX was successful, XXXX XXXX payment confirmation ( attached here ) shows that the money was successfully paid to American Express. However, American Express did not credit this payment to my American Express credit card, the payment activities ( as of XX/XX/XXXX ) in the online Payment Center of American Express ( attached here ) show that this payment failed and was returned. 3. Based on the wrong records of American Express online Payment Center showing that the {$8400.00} payment on XX/XX/XXXX failed, American Express marked my credit card account as past due, repeatedly hired different collection agencies to harass me ( which had caused severe emotional damages to me ), and added delinquency record to my credit profile. 4. On XX/XX/XXXX, American Express sent me fraud monthly statements showing that they did credit the {$8400.00} payment on XX/XX/XXXX to my credit card, which conflicted with the payment activities I got from American Express online Payment Center on XX/XX/XXXX. Also, American Express did not affirm whether they sent me the monthly statements in the year XXXX, and did not affirm whether the monthly statements they provided on XX/XX/XXXX were exactly the same they provided to me in the year XXXX ( if they did ). Therefore, I hope the CFPB to penalize American Express for providing fraudulent monthly statements, wrongly missing my payment, harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.
Frequently Asked Questions
What is Complaint #4745737 about?
Complaint #4745737 was filed against American Express Company regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-09-22T12:00:00-05:00.
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 or prepaid 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.