Credit card or prepaid card -- Other features, terms, or problems -- Complaint #6360570
Complaint Overview
Complaint ID: 6360570
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: Texas
ZIP Code: 78154
Date Received: 2022-12-25T12:00:00-05:00
Date Sent to Company: 2022-12-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I signed up for a XXXX Amex Card over the phone. The representative verbally offered me XXXX sign up bonus. I agreed, and proceeded with the application on XX/XX/XXXX. I received an email in order to continue with the application. This email also stated the terms and condition which mentions the XXXX sign up bonus points. After spending the minimum spend to receive the XXXX bonus points, I noticed I only received XXXX bonus points. I contacted American Express on XX/XX/XXXX, and an investigation was submitted. After contacting American Express every 2 weeks to get an update, on XX/XX/XXXX, I got in contact with a representative who told me the investigation was closed and that American Express decided the XXXX offer was valid. However, I was instructed to call to speak with someone who could help me if I was not happy with the decision. I spoke to a representative named XXXX ( I believe ), and she told me I could upload supporting documents to support my case. I uploaded a screenshot of the email with the terms and conditions stating the XXXX sign up bonus. I contacted the customer service again on XX/XX/XXXX to see if anything had changed or been updated. I learned that the supporting documents were not taken into account. They essentially didnt matter because they closed their investigation in XXXX. However, I am utterly confused as I was verbally offered XXXX and have an email to support the verbal offer. I feel that American Express has used deceptive tactics to get customers to sign up for credit cards. The XXXX bonus is typically the standard offer. I would have waited knowing they tend to have promotional offers such as the XXXX. This is completely unfair for them to offer me XXXX but then only give me XXXX. I cant do anything at all at this point.
Frequently Asked Questions
What is Complaint #6360570 about?
Complaint #6360570 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 2022-12-25T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with non-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.