Credit card -- Advertising and marketing, including promotional offers -- Complaint #8261427
Complaint Overview
Complaint ID: 8261427
Company: American Express Company
Product: Credit 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: California
ZIP Code: 94588
Date Received: 2024-01-31T12:00:00-05:00
Date Sent to Company: 2024-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding the failure to receive the promised welcome bonus associated with my American Express XXXX Credit Card, account number ending in XXXX. In XX/XX/XXXX, I successfully applied and was approved for the AMEX XXXX Credit Card with the enticing welcome offer of {$200.00} cash + XXXX points upon spending {$6000.00} within the first six months. Excited by this offer, I diligently met the spending requirement by the second month of card ownership. In XX/XX/XXXX, I proactively reached out to inquire about the status of the welcome bonus. During my conversation with Associate # XXXX, I was assured that the bonus would be issued by XX/XX/XXXX. However, upon contacting American Express again on XX/XX/XXXX, I was dismayed to learn from Associate # 2 that the decision had been made not to provide me with the welcome bonus. Subsequent conversations with Associates # 3, # 4, # 5, # 6, # 7, and # 8 have only added to my frustration, with conflicting information provided and no concrete resolution offered. I would like to bring to your attention the following points in my defense : When applying for the XXXX credit card, I did not encounter any pop-out window indicating that I would be ineligible for the welcome bonus. Furthermore, this was my first time applying for this specific credit card. I fulfilled the spending requirement of {$6000.00} within the stipulated timeframe as required by the terms and conditions of the offer. Multiple associates, including Associate # 1, Associate # 3 and Associate # 4, confirmed on separate occasions that I would receive the welcome bonus, first by XX/XX/XXXX and then by XX/XX/XXXX. The inconsistency in communication and the repeated delays in resolving this matter have severely eroded my trust in American Express as a reputable financial institution. Based on the above, I request a thorough investigation into this matter and a reconsideration of the decision not to honor the promised welcome bonus. Additionally, I expect clear and transparent communication throughout the resolution process. If a satisfactory resolution can not be reached, I will have no choice but to explore further options to address this issue, including seeking assistance from local small claim court. I appreciate your prompt attention to this matter and look forward to a swift and fair resolution. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8261427 about?
Complaint #8261427 was filed against American Express Company regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2024-01-31T12:00:00-05:00.
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.