Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5254429
Complaint Overview
Complaint ID: 5254429
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: Problem with rewards from credit card
State: Massachusetts
ZIP Code: 02478
Date Received: 2022-02-23T12:00:00-05:00
Date Sent to Company: 2022-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX, I applied for an American Express XXXX Card with an intro offer of receiving XXXX membership rewards points after spending {$4000.00} within 6 months. In the month of XX/XX/XXXX, I met the spending requirement of {$4000.00} within the 6 month timeframe. On XX/XX/XXXX, I contacted American Express to inquired about the XXXX and was told " I'm sorry, the welcome bonus offer is declined on this card account. '' and " that The eligibility of the welcome bonus depends on various cards you've had with American express. It's considered as a one time incentive who are joining the American express for the very first time. Generally, this information is provided at the time of card application in a pop up. '' I told the Amex rep that I never received the pop-up to warn me of such. The Amex rep then opened an investigation on my behalf to find the real reason for my denial. On about XX/XX/XXXX, I reached out to Amex for an update and was told that my welcome bonus was denied because I also have an Amex XXXX card. I was never informed that having another card would deny my ability to qualify for introduction bonus rewards. I submitted a complaint to Amex and was told that nothing could be done to reverse this action. I believe that this practice by Amex is unfair as I have never been an Amex customer in my life and now have a hard inquiry due to the credit application for the Amex XXXX card.
Frequently Asked Questions
What is Complaint #5254429 about?
Complaint #5254429 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 2022-02-23T12:00:00-05:00.
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.