Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #7123507
Complaint Overview
Complaint ID: 7123507
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: Didn't receive advertised or promotional terms
State: Washington
ZIP Code: 98053
Date Received: 2023-06-15T12:00:00-05:00
Date Sent to Company: 2023-06-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a small business owner, I opened American Express ( AMEX ) XXXX XXXX card on XXXX. At that time, AMEX advertised : Card owner will " earn XXXX Membership Rewards points after {$15000.00} or more in qualifying purchases are made on the Card within the first 3 months of Card Membership. ", in my case, the first 3 months is " from XX/XX/XXXX to XX/XX/XXXX. '' and I spend a total of {$24000.00}. ( The total spend amount and the " first 3 month time frame info '' are from AMEX customer service online chat history. ) I used to call AMEX customer service about points issue, they told me my points is pending, and considering my " first 3 month '' is ending by XXXX, to avoid any purchase return, they will give me points by XXXX which after 3 month of XXXX statement closed. And I accepted and I think that's totally fine. But after XXXX I did not see XXXX points under my account, so I called AMEX/chat with AMEX online customer service for over 5 times, they admit I do spend enough money to get the points and all they can tell me is my points is pending, as long as I pay for the current statement balance, the points will be put into my account. So I did what they asked but never see any points. A supervisor of AMEX said she will open a case for investigation but she never follow up with me. AMEX obviously do not has a reasonable and appropriate grounds to let my points " pending '' for such a long time, it might " pending '' for years. As a small business owner, I tried all my best to communicate with AMEX but on one care about my situation, it makes my life harder I was planned to use points buy air tickets for business trip, save some money and support my family.
Frequently Asked Questions
What is Complaint #7123507 about?
Complaint #7123507 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 2023-06-15T12:00:00-05:00.
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.