Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5224188
Complaint Overview
Complaint ID: 5224188
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: Confusing or misleading advertising about the credit card
State: Minnesota
ZIP Code: XXXXX
Date Received: 2022-02-15T12:00:00-05:00
Date Sent to Company: 2022-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened an American Express XXXX XXXX XXXX credit card in XX/XX/2021, which came with unsolicited e-mails regarding credit card offers and enrollment in their credit monitoring product. In XX/XX/2021, American Express canceled my credit card account, at their discretion, when my authorized user on the account used abusive language on a phone call to American Express customer service. Despite the account being canceled by American Express, and not me, I continued to receive special e-mail offers and e-mails related to their credit monitoring tool, none of which I was able to use because my account had been canceled and closed by American Express for a reason that did not directly involve me personally. There are no " unsubscribe '' links available in the e-mails to stop these unwanted and unsolicited e-mails from being sent to me. I attempted to log-in to my closed account, and because my account was obviously closed and inactive, I was unable to log in and change e-mail preference to state that I did not want to receive any further marketing e-mails from American Express XXXX As you will note in the attached e-mails, these unsolicited and unwanted marketing e-mails were sent AFTER my account was closed by American Express. As a result, I have had absolutely no way to stop receiving these communications, and American Express does not provide any opt-out link in the e-mails themselves. I believe that American Express is using unfair, abusive and deceptive marketing practices in their e-mails to me : they are sending me unwanted and unsolicited communication regarding an account that was closed, and I have no way to remove or unsubscribe myself from their communications. American Express should have policies and procedures in place to ensure that former customers are not sent harassing, deceptive, unfair and abusive marketing e-mails with no way to remove oneself from them. Furthermore, I have tried to resolve the issue of these e-mails with American Express directly, and none of their customer service representatives has any clue who would handle such an issue. In the end, I'm stuck receiving abusive, deceptive, unfair and unsolicited marketing e-mails that may potentially contain the misuse of my personal and confidential information on my closed account. All relevant documentation showing that these communications were received AFTER my account was canceled by American Express are attached to this complaint.
Frequently Asked Questions
What is Complaint #5224188 about?
Complaint #5224188 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 2022-02-15T12:00:00-05:00.
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.