Credit card or prepaid card -- Fees or interest -- Complaint #5729339
Complaint Overview
Complaint ID: 5729339
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: South Carolina
ZIP Code: 296XX
Date Received: 2022-07-02T12:00:00-05:00
Date Sent to Company: 2022-07-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XX/XX/2022 I am writing to have American Express change their default email regarding payment due. They have many alerts and options once you call to complain, however there default is to email you a payment due email after your due date so you are charged XXXX late fees. The email is not sent on or before but after and it states your payment is due. It should say it is past due. I called and they did walk me through the process to change the alert to 5 days before, however this should be the standard. How many people pay late fees because they are notified AFTER? Their statement do come in your email however, when you have 5 email and receive many emails a day for business, you see the statement but may not have time to open it to see when it is due. A simple text or email stating the due date BEFORE it is due should be the default and would save many people a the XXXX late fee. Thanks
Frequently Asked Questions
What is Complaint #5729339 about?
Complaint #5729339 was filed against American Express Company regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-07-02T12:00:00-05:00.
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.