Credit card -- Other features, terms, or problems -- Complaint #8875369
Complaint Overview
Complaint ID: 8875369
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 cash advances
State: California
ZIP Code: 94114
Date Received: 2024-04-27T12:00:00-05:00
Date Sent to Company: 2024-04-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, On XX/XX/XXXX, I purchased an XXXX for {$2500.00}. I used the American Express XXXX It feature to pay off as I go. However, on XX/XX/XXXX, I canceled the airbnb and received a credit. When I logged in to check my balance, my XXXX for the airbnb was still active- and my statement balance did not reflect the credit that I had received for the XXXX. My statement balance ( which included the XXXX balance ) was {$2500.00} too high. On XX/XX/XXXX, I contacted Amex to cancel the XXXX and receive an adjustment for my statement balance. The Amex customer representative attempted to adjust my statement balance by issuing a credit ( reflected as a credit on XX/XX/XXXX, " XPL CR ... " ). However, the adjustment was done incorrectly because the representative also applied a charge ( reflected as charges from Amex on XX/XX/XXXX, starting XXXX XXXX XXXX... ). So effectively, the credit canceled out the debit, and my statement balance was never properly adjusted to reflect the XXXX cancellation. Now, I have contacted Amex multiple additional times and they refuse to properly adjust my statement balance to reflect the canceled XXXX. I am attaching screenshots of my conversations with Amex. Apologies, they are not ordered chronologically ( I have already invested XXXX hours into these conversations and have a very busy job as an attorney and don't have time to invest more time- but can provide more documentation if you need ). The Amex XXXX It feature needs to be investigated. Consumers - please beware of using any Plan It programs through Amex. Typically, I would just pay this kind of charge to save myself the headache and time, but I can not afford a {$2500.00} additional charge.
Frequently Asked Questions
What is Complaint #8875369 about?
Complaint #8875369 was filed against American Express Company regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-04-27T12:00:00-05:00.
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.