Credit card -- Other features, terms, or problems -- Complaint #8240957
Complaint Overview
Complaint ID: 8240957
Company: American Express Company
Product: Credit 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: New York
ZIP Code: 10583
Date Received: 2024-01-28T12:00:00-05:00
Date Sent to Company: 2024-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for and received an American Express Delta XXXX card on XX/XX/2023. The card has a {$550.00} membership fee. When I enrolled and agreed to the fee, the primary benefit was purchases made on the card would trigger " XXXX XXXX '' and XXXX Waiver benefits. Delta and American Express subsequently changed the program so " XXXX XXXX '' and XXXX Waiver benefits were no longer offered after XX/XX/2023. See XXXX XXXX XXXX American Express stated that their user agreement allows them to change the terms and conditions at any time. I believe these changes are not merely of the terms and conditions. They are a fundamental change in the product that negates the reason I enrolled and agreed to pay {$550.00}.
Frequently Asked Questions
What is Complaint #8240957 about?
Complaint #8240957 was filed against American Express Company regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-01-28T12:00:00-05:00.
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) 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.