Credit card or prepaid card -- Problem when making payments -- Complaint #7231279
Complaint Overview
Complaint ID: 7231279
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Massachusetts
ZIP Code: 01089
Date Received: 2023-07-10T12:00:00-05:00
Date Sent to Company: 2023-07-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Over the XX/XX/2023 statement period, I used American Express 's " Pay It '' option to pay off individual purchases. However, these payments were not applied to those purchases as American Express advertises and discloses in their " Terms ''. Instead, these payments were applied to their " Plan It '' feature ( you can " Plan '' large purchases to be paid off over months ). This resulted in a monthly statement bill 3 times the size it should've been. This is an issue American Express is aware of, but has taken no action to fix. After talking with customer service, they made me aware that this is an ongoing issue that they receive complaints from several users about on a regular basis. Customer service would not correct American Express 's mistake in their misapplying the payments ( I wanted them to apply the payments to the correct transactions ), and instead only offered to refund me those payments.
Frequently Asked Questions
What is Complaint #7231279 about?
Complaint #7231279 was filed against American Express Company regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2023-07-10T12:00:00-05:00.
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.