Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #4899172
Complaint Overview
Complaint ID: 4899172
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Virginia
ZIP Code: 23831
Date Received: 2021-11-10T12:00:00-05:00
Date Sent to Company: 2021-11-10T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Several weeks ago I added an AMEX merchant offer to my American Express Gold Card whereby I could purchase a new XXXX XXXX XXXX membership for {$45.00} and receive a {$25.00} statement credit. On XX/XX/XXXX I did so. Unlikely usually with AMEX offers, I did not receive a confirmation email of the offer being used/triggering and in the few weeks since have not received an indication I would be receiving said {$25.00} statement credit back. While AMEX 's terms say they can take quite some time to provide the credit nonetheless usually AMEX is quick with such credit provision. I online chatted with an AMEX representative to clarify on why it was taking so long to receive my credit, or any indication that it was eligible, and the AMEX representative said that the XXXX XXXX XXXX purchase was not eligible. However, based on the terms of the purchase, I followed the AMEX offer exactly down to the letter. I have not been a XXXX XXXX XXXX member in anytime in recent memory, the purchase was for a regular new club membership and not a plus membership, the purchase was online through XXXX, the purchase was not combined with any other offers, and it was for {$45.00}. There is no legal reason why I am not deserving of/entitled to the {$25.00} credit, as I very likely would have not purchased such a {$45.00} membership without AMEX inducing me on the promise of a {$25.00} credit and I followed the offer terms exactly. I am concerned that AMEX has seemingly improperly coded the purchase, making it so many others may also not be receiving their credit ( if anyone at all ), and their inability to look at the case beyond the coding such as looking at receipts or appeal to a manager/supervisor. Either AMEX has made mistakes with their coding for this offer or is engaging in unfair/deceptive/abusive acts or practices by inducing people to purchase a new XXXX XXXX XXXX membership and not giving them their credit that they are entitled to receive based upon following the terms and conditions exactly.
Frequently Asked Questions
What is Complaint #4899172 about?
Complaint #4899172 was filed against American Express Company regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2021-11-10T12:00:00-05:00.
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 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.