American Express Company

Review: Unauthorized transaction in the amount of $20.47. I certify I did not make this transaction and did not receive the merchandise either.Desired Settlement: Credit and/or refund $20.47 right away please.

Business

Response:

We responded to the consumer via written correspondence today.

Review: While I have funds in my account I have been unable to access them for over 24hrs. It is not a credit card and there is not a hold on my funds they state there is a problem with the system. I need my money and I don't understand how they can hold my funds and there be absolutely nothing they can do. I spent 2 hours grocery shopping and then was embarrassed when I could not purchase my groceries. I have expenses and can not get an answer as to when this issue will be fixed.Desired Settlement: I would like american express to provide my funds immediately. whether they add fund than deduct the original funds once this issue has been fixed or fix the issue now I need my money. However this is resolved I need it resolved now. The representative did not give me confidence in what he was saying.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I filed a purchase protection claim ([redacted]) and Amex Insurance is asking me to show them my medically sensitive disability papers before they can proceed the claim. I am under no obligation to reveal that information.Desired Settlement: Refund

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

"We responded to the consumer via written correspondence today" is not an actual response to the complaint. Alleged letter AMEX supposedly sent to me on Feb **never reached me [as of 2/**/2014]. The situation has yet to be solved or addressed.

Sincerely,

Business

Response:

“We responded to the consumers additional concerns via written correspondence on March **, 2014 and a copy of our response dated February **, 2014 was also mailed to the consumer. The consumer needs to allow 7 – 10 mailing days for mailing time. Please note American Express considers this matter closed. Unless new information is provided, this office will file your future correspondence regarding this matter, but we will not respond. Thank You

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

As I indicated before, saying "We responded" (without a delivery confirmation or proof of a sent document) is not an actual response [to this Revdex.com complaint]. I have not received a single statement to my original complaint. And now the business indicates they won't respond, which only supports how poorly they handled my original issue.

Sincerely,

Review: My account was scammed and 1000.00 was put on hold by a "Online Merchant" I called the day it had happened on the [redacted] was told that it would take 3 business days for it to be credited in my account but they could not stop a payment if it was on hold So it was waiting game watching MY money sit there on hold for a scammer to take at will. So now it went through today is the [redacted] and it went through and now they are saying it cant be credited back. I have filed a police report the number with the account is discounted. I was stupid yes but when someone calls and says that there is going to be a warrant out that if I did not pay something in 15 mins when I got off the phone I called my old bank and asked the questions and they said no nothing like that. I then called American Express and told them what had happened and to stop the payment. They did not care besides saying they would open an investigation. That it could take up to 45 days I am now completely cleaned out and was scammed. I always thought FDIC was what covered a bank so that it helped the customer out in these type of situations but American Express does not care that their customer was scammed but they just kept saying they trying to help but there is no help it took me 2 hours to find all the information out but them its going to take up to 45 days. The caller had all my information to seem so real bank account information, social ect. I have flagged my social for fraud tried to pull my credit history was unable to do due to the questions was wrong. This was the worst mistake I ever made going with this company. You want to fill safe that your banking needs would be safe never EVER use this company!Desired Settlement: I want my money back in there like they said 3 business days not up to 45 days.

Business

Response:

We responded to the consumer via written correspondence today

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The letter stated what I already said no news no information. This company is the worst for their customers. it was a waste of time reading. I thought the letter would have information not a recap.

*

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Its not closed they have not given any of my money back and not informed me on anything! Besides its "closed" worst company ever!

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence on March **, 2014 and a copy was mailed again to

the address listed in the complaint on April **, 2014. The consumer needs to allow 7– 10 mailing days for mailing time.

Review: American Express issued a "notice of Important Changes to Your Cardmember Agreement" with some details concerning an upcoming change regarding Delta Sky Club Lounges. In this document, that state "You can avoid this change by cancelling your account prior to May *, 2014. You can cancel by calling the number on the back of your Card. If you cancel, you won't be able to use you card for new transactions. If you cancel for this reason, you will receive a prorated refund of your annual fee." I called to cancel on 4/**/14 and my annual renewal date is May **, 2014. I am being told that they will not honor the Notice they sent to me regarding the prorated refund ($450 annual fee) which should be approximately $37.50 for the one month remaining. After they told me they won't honor their own language in their notice, I explained that we might as well leave the card active until the annual fee runs out on May **, 2014. They then tell me that they can't reinstate my account.

First representative - [redacted] Second representative - [redacted] (?)

Third representative - [redacted] (?)Desired Settlement: Preferred outcome of one month prorated refund per their own notice language. Second preference...reinstate my account until annual fee is due May **, 2014 if they won't honor their own notice.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I was given 5 American Express $100 gift cards several years ago as a gift. Over the past couple of years, I have slowly bought things with them and used them up. I had one left this evening and I went to go use it. However, when I did so, the card did not work. Therefore, I called American Express Gift Cards and was put on the phone with a representative who asserted that the card had no balance and had never had any balance. I responded by telling him that the other 4 cards had worked and that I had just taken this one out of its original packaging and couldn't see how it couldn't have the desired balance. He replied that without the original receipt, there was nothing that American Express could do. I was unable to be put on the phone with a supervisor and ultimately got no where from complaining to the company by phone. Obviously, gift cards given as gifts mean that the owners does not have access to the original receipt. It is entirely unacceptable for Amex to not follow through on its responsibility to honor fairly purchased and relied upon giftcards. Also, by not giving me any reasonable recourse to get this resolved, I am forced to turn to the Revdex.com for support (and, if this doesn't work, to the Consumer Protection Bureau and the NYS banking authority). There should be a much easier way to get this properly resolved and get the $100 to which I am entitled. I have been a long time customer of Amex and have a number of Amex credit cards. I may have to think twice about using those cards for many purchases if this incident proves to me that the firm cannot be relied upon to the extent I had assumed it could.Desired Settlement: I want to receive the $100 value on this card to which I am entitled.

Business

Response:

We responded to the customer today via written correspondence.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

American Express is unfortunately not willing to do anything to rectify the situation. They refuse to take the matter up with their vendor without a receipt (which is nearly impossible for a gift card, particularly one that is several years old). They have asserted that I have no other recourse for reimbursement through them. As a consumer, I feel that I am not receiving what I am rightfully owed. Ultimately, I feel victimized by the pre-paid card system that seems set up to thwart the consumer and leave him with limited ability to fight back.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have received the letter from American Express and unfortunately, it merely reiterates what was said on the call. The operative language is that "Please note that the purchase receipt for the gift card is required as we have no record of the above mentioned gift card being sold. Therefore, if you are unable to provide us with such, we will not be able to further investigate this matter." I have the card and the original packaging, which I think should suffice for them to identify the retailer from whom the item was purchased. However, it is unreasonable for them to request the original receipt from an American Express Gift Card. The operative language suggests that it is given as a gift (which it was) and that, as a result, I do not have the original receipt. Furthermore, the transaction was from several years ago and, as a result, even if I were the original purchaser and not the gift recipient, there is no way I would hold onto receipts for that long, so there is no way I could reasonably get satisfaction on this claim. Basically, one of American Express's retailers either had an error during its sale process of this card or, potentially worse, committed the crime of false pretenses (using fraud to induce the transfer in title of property). Needless to say, I doubt Amex will do anything to resolve my claim, but I want it noted for the Revdex.com records that buyers should beware when purchasing Amex gift cards because the company does not stand behind its product.

Business

Response:

We responded to the consumer via written correspondence on June **, 2014. While we appreciate the consumer's feedback, the consumer's additional correspondence contains no new information to which American Express can respond. Thank You

Review: My Business card is past due and I tried to set a lower payment but customer service said no. They wanted it all and what I had wasn't good enough. My Business took a loss and the work is not coming in to pay all. But the customer service wouldn't take that or help out on fees and interest charges. Fees and interest are more than I can pay so card is going up with no help card can't be paid down.Desired Settlement: help out on bill so that I can pay something each month and settle this. Need reduction on bill and fees.

Business

Response:

American Express mailed our response to the consumer today.

Review: I have been an AMEX holder since 2012. In October, there was a promotion to upgrade to the [redacted] reserve card (a card that I haven't had in the past). The promotion included 10,000 Sky Miles and 10,000 [redacted] (Medallion Qualifying Miles). I travel a lot for work and for pleasure. One of the reasons I chose to upgrade was to receive the 10,000 [redacted] to boost my medallion status from Silver to Gold. I contacted American Express to upgrade my card. The customer service representative was very nice and polite. After looking up the info, she went through the terms and conditions over the phone. She let me know that I could continue to use my current card and that after making a purchase, I would be eligible to earn the 10,000 Sky Miles and 10,000 [redacted]. I verified this many times with her. As time went on, I didn't see any Sky Miles or [redacted] deposited in my account. I spoke to someone over the phone in November and they said that the miles would be immediately deposited in my account on the next billing cycle (December [redacted]). December [redacted] came and went and nothing was deposited into my account. As I started to look at my travel calendar, I noticed that the [redacted] would put me into the gold status. If they weren't deposited by the [redacted] of December, I would have to make another trip to qualify for the upgraded Gold Status. I contacted American Express to figure out what was going on and also to see if I needed to book a last minute flight somewhere to earn Gold status another way. I wan't given any substantial or concrete answers. Some reps told me it can take 4-6 weeks before showing up (which was a contradiction to the rep I spoke with in late November). 6 weeks was towards the middle of December, so I waited to see what would happen.

I contacted American Express on the [redacted] of December. After explaining my situation, I was transferred to a supervisor. She said she would give me the 10,000 Sky Miles. I thanked her, but told her that the 10,000 [redacted] were the most important part of the promotion as it effects the Medallion Status. She then told me that there was no type of promotion and that American Express wasn't in charge of giving out [redacted]. She was very adamant that [redacted] was the only entity that could give out [redacted]. She stated that there was nothing else she could do and that she could transfer me to [redacted]. When she tried to transfer me, she hung up on me by accident. I then contacted [redacted]. [redacted] was was equally as adamant that the responsibility of the 10,000 [redacted] was on American Express. They stated that they do not have any authority to give anything promised by American Express (I looked this up online and it is a correct statement). The [redacted] rep looked through the different promotions and saw that the promotion I enrolled in October was valid. He said there was nothing he could do, but would somehow sent a note to American Express to look into the matter. I contacted American Express after the conversation. They stated they would look into it and see what they could do.

On December [redacted], I contacted American Express again. When I spoke to the customer service rep, she didn't appear to know what was going on with my account, so I had to re-explain my story. I asked if there was a case or reference number she could give me, so I wouldn't have to explain the same story every time I called in. The American Express reference she gave me was gc-1d7ae.

I still hadn't heard anything that week. I contacted American Express again, because I needed the 10,000 [redacted] in my account before January first. If I wasn't going to get the [redacted] until after the first, then I needed to book a short, inexpensive flight to get my last segment needed for Gold Medallion Status. At this point, it was well beyond the 4-6 week time period from when I made the upgrade and made a purchase on the card. I continually contacted American Express and they they told me they were "looking in to it" every time I called them.

On December [redacted], I contacted American Express via their online customer service chat. After expressing my frustrations (it had now been a month since I inquired about this information), she told me a supervisor would contact me within the next 48 hours. A customer service supervisor contacted me on December [redacted]. I had to go through my same story again with him. He stated he would try to resolve the matter and would give me a call in the next 24 hours. He did not call me back in 24 hours. In fact, he never called me back at all.

A few days later, I contacted American Express again via chat and the rep told me that her supervisor would call me back at a very strange time and day. It turned out she was from a customer service center in India. I asked her to have him call me at an appropriate time for the USA EST time zone. She stated she would. He never called me back either.

With only a few days left in 2015, I decided to book a last minute flight from my home airport (MSP) to a small town in northern MN to ensure I would receive the Gold Status. Had the American Express Reps told me that the [redacted] would deposit in January, I would have booked this flight sooner, for a much cheeper price and on a weekend, so I wouldn't have to take off a half day of work. I flew from MSP to HIB and back on the same day for $294.

American Express is known as a premier brand, with exceptional customer service. In my many repeated attempts to figure out what was going on, only one person followed through on what they said they would do (the online chat rep I spoke with who said her supervisor would contact me in 48 hours). Her supervisor who was going to get back to me in 24 hours and I still haven't heard back from him after 5 weeks! It is now February 2016, It's been over 15 weeks since I upgraded in October, 2015.Desired Settlement: I really expect more from a reputable company such as American Express. To resolve this matter, I am requesting 50,000 Sky Miles. 29,400 miles covers the last minute flight from MSP to HIB and the remaining amount covers the multiple web chats and calls, many times lasting 30-60 minutes, trying to get an answer as to what's going on, the poor follow through of the company and time off I had to take to make the extra flight on a work day. I am also requesting the 10,000 [redacted] that were originally promised as part of the promotion from October. Please resolve this issue and provide the industry leading customer service you are known for.

Business

Response:

American Express mailed our response to the consumer today.

Review: My problem with AMX is that they have abnegated from their promises and commitments at every turn. I gave them an opportunity to earn my business. However, with my continued dealings with the AMX, they are losing my trust. Upon applying for and receiving approval for the AMX Platinum Business Card, AMX sent me materials emphasizing the benefits of the card and the credit limit. However, upon using the card, the credit limit was not available, and I was told over the phone that my card was not a Platinum business card but a charge card (this is contrary to the literature sent to my home address and the physical card itself). In contacting customer service, they offered to switch my card from the Platinum Business card to a regular AMX business card and refund the $450 annual fee. Yet, in calling this morning, I was informed that the $450 would not be refunded, and I now had two cards with AMX. Worst of all, I have been told it is in the fine print. However, none of this is mentioned in the fine print, and no one at AMX has been able to cite the fine print where it states this is acceptable.Desired Settlement: I expect AMX to live up to the promises and commitments made to me as a card member. They can fulfill the compromise promised earlier by reimbursing the $450 towards my account and transferring my Platinum Business AMX to a regular Business AMX.

Business

Response:

American Express mailed our response to the consumer today

Why I would be pulling out all my business from American Express?

American Express customer service is getting bad day by day. They charged me late fee and interest of More than 300.00 because of some computer system error. When I requested refund they say they could not help. Talked to several people at American express. Nicole (ID# [redacted]). She told me that she cannot help. I requested to get me to the supervisor. One Mr. S[redacted] (ID# [redacted]) came on phone. He had nasty attitude from beginning. He just want listen and said sorry I am not able to help you ! With this kind of people and rude service, American express is losing my large business I am sure this company is start hurting and probably would get sold eventually.

Review: I bought a prepaid American Express Card, and I am not able to use the funds online. I called them 3 times and they just couldn't fix it. (I didn't take the name of first two agents, but the last one was [redacted].) I also hold an american express credit card, and so far I was so happy with their customer service, however their prepaid card customer service is terrible.Desired Settlement: I either want my money back $100 + fee of the card or I want to be able to use it online.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: After 90 days they say this is not a legitimate Charge......AVS Match and CVS Match..: Case: [redacted]; Chargeback; Doc: [redacted]; Notice Type: First Chargeback Package

This charge should not have been charged back. Here is the information I sent AMEX.

[I can send images if needed.......Please note: image #2 indicates proof of delivery, Image #3 indicates AVS Check MATCH and CVV Check MATCH, Image.jpg Indicates Paid invoice for products, and the PDF is a letter from fed ex also indicates Delivery was completed as scheduled picked up with a signature of "[redacted]" recorded. This should be all you need to reverse the charge back.

This charge should not have been charged back. I have Email From FEDEX with PROOF OF Delivery and other documentation if needed.

90 DAYS LATER, really you would think if it was fraud they would have charged back immediately,

Cheers,

[redacted]Desired Settlement: Charge back to customer that provided Id and did pick up products directly from fedex...

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I attempted to purchase service through [redacted] on ** Feb 2015. The representative attempted to run my card three times and each $136.17 transaction was declined. So, I called back again on ** Feb 2015 and the representative said he could use my [redacted] card. He was wrong, he attempted to charge $30.21 and it was declined. So I paid to start service with a [redacted] card. He's where [redacted] comes into play, I got the transactions refunded from [redacted] immediately. I called [redacted] and was on hold for a total of 2 hours speaking with a total of 3 different individuals after each person said they couldn't help me get my funds applied back to my account immediately. I was then promised a call back from the "manager". That never happened. I called [redacted] again today and to my surprise the supervisor refunded the $30.21 total, but could not refund the three transactions for $136.17 totaling $408.51. I was told the manager would not be able to do anything for me and to call [redacted] and have them call with an authorization number. Oh yeah, I had this done already.Desired Settlement: RefundHonestly, by the time this goes through the proper channels my money may be refunded by ** Feb. I would like for the agents at [redacted] to always try their hardest to assist their customers without lying about their capabilities. Three reps said they couldn't refund anything, one refunded the $30.21 amount after the others said they couldn't. Also, it would be nice to speak with an American every now and then since it's an "American" Express card.

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID#[redacted], and have determined that my complaint has NOT been resolved.A letter won't arrive within six days. So I rejected the resolution until I recireceive there response.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence on February**, 2015. The consumer needs to allow 7 – 10 days for mailing time.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I had two charges put on the prepaid card that, I had my paycheck direct deposited on. The two charges are with Super 8 Hotel, Feburary **, 2013 for $67.64 and March **, 2013, $32.44, $32.44, $48.69, and $48.69. And, that it would take six to eight weeks for me to get my money back. It has been over four months and every time, I get a different lie about me getting my money back. Please can the Revdex.com help me get money back or get me the information, I need to take them to court. THANK YOU, [redacted] July **,2013 2:08 am.Desired Settlement: Get me my money.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I applied AMEX Starwood Preferred Guest credit card back in Match 2013. Amex's ad was total 25000 points for this offer: 10000 points after the first purchase and 15000 after meeting the spending requirement. I only got the first 10000. I emailed and called CS a few times and was told there was no additional 15000 pts on my offer. I dont know what happens and who can help on this matter.

I am kinda confused since I appllied the card using a link from [redacted] and it stated totally 25000 spg points after I meet the spending requirement. I dont have a screen shot to prove my case but think this way: why would I apply a card with only 10000 bonus pts when 25000 pts is a regular offer from AMEX. I think this is a typical bait&switch ad.

Thanks,

DayuDesired Settlement: Amex honors their offer and make sure they dont do false advertisement again.

Business

Response:

We responded to the customer via written correspondence today.

Review: I applied for a delta American Express credit card under an offer were I was supposed to receive 50,000 bonus miles. I only received 30,000 bonus miles. I contacted [redacted] - they refused to help on the phone and said they would file a compliant. They have not sent me any reply in about 90 days.

Product_Or_Service: Credit cardDesired Settlement: Either credit my frequent flier account with another 20,000 miles or send me the cash equivalent (approx $300). Thank you.

Business

Response:

We responded to the consumer via written correspondence today

Consumer

Response:

American Express never sent me any written correspondence. All of the information I received from them was received over the phone.

Business

Response:

Consumer has not provided any new information, therefore, American Express

considers the matter closed and no response will be sent to the consumer.

Review: On 5/*/14 American express informed me verbally of 4 attempted credit transactions using a card with my credit card number. I was told that by a [redacted] (ID [redacted]) that I should report it to the police and have them contact American express. The police have requested written details of the 4 attempts stating location time & business name, which I have attempted to obtain but American express via [redacted] (ID [redacted]) have refused to supply on some grounds that it is against policy. As such I am asking that you use you offices to have AEX provide said documentation.Desired Settlement: Details of attempted charges stating location, time and business place where attempt was made.

Business

Response:

We responded to the consumer via written correspondence today

Review: I ordered a bicycle using my reward points on 7/**/2014 in amex site. But I havent received my bicycle till 7/**/2014, so I have to follow-up with the customer service for multiple time to get the status. Finally, I was told the order was not processed and they will process it ASAP. After much of the struggle I got the bicycle delivered by begining of August. Immediately when I opened the bicycle I found out that bicycle gear was broken. And the product was in such a state that I will not be able to ride the bicycle at all. I tried to reach customer support and I was told within 3 days they will process a a replacement order for the same. But I never received any update after 5 days also, so when I checked with them I was told to send the photograph of the damage to them. I sent the photographs immediately but nothing happened. I was told after 3 days again that the email was not received and so I sent photographs again but nothing happened. The same thing email story was said again and again 3 times, so finally at the end of september i.e. 45 days after I was told AMEX will not be able to provide any help on the same and I have to contact the manufacturer regarding the same. I was given a email id of the manufacturer to follow up for the same. If this is how things is going to workout, I am not sure why they have wasted more than 45 days of my time by asking a photograph. I am trying to followup with the email that amex gave me, but I am not getting any response for the same. Now I dont know what will I do with the broken bicycle. It was almost like they cut off me and I wasted $276 of my reward point for nothing but crap of a metal. A pathetic customer service experience, I would rank this as bottom most that I have gone through till now.Desired Settlement: I need this issue to be resolved as soon as possible, if they will not be able to resolve this issue in next 15 days, I have to convince myself that someone stole the money from me.

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

I haven't got any response in email/mail made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence on October **, 2014. The consumer needs to allow 7 – 10 days for mailing time

Review: I open a serve prepaid card for my payroll for work my first time using it I should of got my money on friday morning 10-**-2014 there was no money foe so I called the card company had lots of issues with speaking to a [redacted] so I call my payroll department of my employer they call them with me we both where on a call for over an hour and still we didn't speak to a [redacted] we where on hold for over 20 minutes I need to get paidDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want to get my money for my pay asap

Business

Response:

American Express mailed our response to the consumer today

Review: I received a prescreened offer from Amex for a American Express EveryDay card (the non-Preferred version). Before the expiration date, I tried to apply online and entered the RSVP code, and it said it could not find the offer. I also called their phone number to see about applying, but they said there was nothing they could do. The offer was for 20,000 Membership Rewards points plus one year of [redacted] after I make $2,000 in purchases on the card within the first three months (I still have a copy of this). In essence, that works out to $300 if the terms of the $2,000 in purchases is met. As my [redacted] score is either over [redacted] or just around [redacted], I have no doubt I would be approved. I also would be easily able to meet the $2,000 in purchases in three months, as I have already spend over that in this past month alone. I am quite upset because I felt this was a great time to finally be an American Express cardholder, but I was not able to get the terms of the offer I was sent. None of the offers American Express has now are not equivalent to that offer, and since no one over the phone could help me, I had to write to American Express through the Revdex.com.Desired Settlement: As no one over the phone could help me, I would very much appreciate being allowed to apply for the card with the terms of the original offer I was sent via mail. If I should be approved (which I understand isn't guaranteed, but is very likely based my current income, credit history, credit utilization ratio, etc.) I would like for American Express to honor the original offer. If American Express can't provide the exact bonuses of the original offer (One year of [redacted] + 20,000 Membership Rewards points), I would also be willing to accept an equivalent bonus (i.e. 30,000 Membership Rewards points, as an [redacted] membership is worth $100).

Business

Response:

American Express mailed our response to the consumer today