Credit card or prepaid card -- Fees or interest -- Complaint #5189228
Complaint Overview
Complaint ID: 5189228
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 94596
Date Received: 2022-02-05T12:00:00-05:00
Date Sent to Company: 2022-02-05T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened the Amex card around XXXX, XXXX and used it on XX/XX/XXXX in the amount of {$10000.00}. Due to this charge, Amex requested for my tax information to verify income, which I had sent them many times in the beginning of XX/XX/XXXX. They kept saying that weren't receiving my information and loced my card, and still proceeded to charge me the Annual fee of {$690.00} and then charged me another fee of {$170.00} for Additional Card Holders fee. The balance came to {$11000.00} and minimum payment was {$10000.00}. I was sent a letter regarding the closer of my account to due " Failure to provide proof of income. '' In their account agreements, if the account is closed and it hasn't been 30 days since the fees were charged, Amex would refund ALL fees that were charged to the account. They only refunded the Annual fee of {$690.00} and did not refund the {$170.00} Additional Card Holders fee. I have paid the minimum payment of {$10000.00}, that was due on XX/XX/XXXX, on that date. The account balance had changed to {$130.00} after Amex had returned the {$690.00} Annual fee. There shouldn't be any balance left, and they should be owing me {$40.00} in cash. I have contacted them many times in XX/XX/XXXX, via online Chat and by phone. I can not remember when I called but I have online Chat history that started XX/XX/XXXX of my request for the return of the fees that were charged to my account. The agent says the fees will be refunded within XXXX hours. I've been checking for 7 days and there were still no FULL refund. I was still not refunded the {$170.00} Additional Card Holders fee. On XX/XX/XXXX I spoke to another agent who then told me that BOTH of the fees should have been refunded to me XXXX hours after the account had been cancelled. But there was only one fee of {$690.00} that was refunded. They sent a statement for XX/XX/XXXX, wanting me to pay {$130.00} by XX/XX/XXXX. I know what they are doing. They want my account to go past due for the amount of {$130.00}, then make charges to the account to add late fees and then put me on delinquent to mess up my credit score. I've read many reviews that this has happened to many people.
Frequently Asked Questions
What is Complaint #5189228 about?
Complaint #5189228 was filed against American Express Company regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-02-05T12:00:00-05:00.
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.