Credit card -- Advertising and marketing, including promotional offers -- Complaint #8340189
Complaint Overview
Complaint ID: 8340189
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: 902XX
Date Received: 2024-02-13T12:00:00-05:00
Date Sent to Company: 2024-02-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I logged into the American Express website as an existing card holder and was offered a bonus offer of XXXX points if I applied for the XXXX XXXX. I have never had the XXXX XXXX before, and I was excited about the generous welcome offer. I signed up for the card, met the minimum spend of {$8000.00} in short order. When the bonus wasn't posted, I reached out to American Express. They informed me that the bonus had in fact been denied. They stated that I must have been shown a pop-up window indicating that the bonus was denied during the application process. In fact, I was never shown any such pop-up window. If I had been, I never would have proceeded with the application. The whole reason I applied for the card was the XXXX point bonus offer. I appealed to American Express internally and they informed me that the bonus had been denied. They offered no reason for the denial, and no evidence that the bonus had been denied at any point. I feel like I was subject to a bait and switch, and it has been extremely frustrating.
Frequently Asked Questions
What is Complaint #8340189 about?
Complaint #8340189 was filed against American Express Company regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2024-02-13T12:00:00-05:00.
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.