Amex Complaint: Billing statement

#1705499 16 Dec 2015

Credit card

Complaint #1705499 submitted on 12/16/2015 relating to Amex. Complaint relates to Credit card - Billing statement .

Complaint was submitted via Web and sent to the company on Wednesday 16th December 2015.

Narrative (may be redacted).

I had a corporate card with AMEX while I was employed by my previously firm which I left in XXXX of 2015. When I left, I had no balance on the card, but a recent charge was posted as I left which left a remaining balance of approximately XXXX dollars that was deducted from my reimbursements at the time of my leaving the firm as the last bill did not post until I had left. They cancelled the card. AMEX stated that I owed this money and I paid AMEX, which they later reimbursed me as they double collected and realized they made an error.

However, several months later AMEX began to charge me past due fees on a non-existant debt that was double paid and reimbursed to me which I called and they reversed as the bill had been paid and they said they would take care of it. This happened on multiple occassions every couple of months and I would call, they would reverse the bill and apologize as there should have been no charge. However, the bill continues to increase with delinquency fees on delinquency fees and my contacts to them results in them reversing the charges for them to continue to reinstate them.

I believe AMEX has ineffective payment systems and processes which allow the entity to charge fees where there is no underlying balance, stack those fees, agree to waive those fees upon contact by the customer, and then continue to stack those fees in abrogation of their stated response. As a result, I believe that AMEX did not raise my issues as complaints as they should have been and they may have difficulty in their complaint management processes, but more directly, they have violated XXXX XXXX XXXX and XXXX XXXX XXXX relating to UDAAP as allocated to the CFPB as both deceptive ( direct contact and reflection of the statements made to me claiming the fees were waived and no additional action was required on multiple occassions ) and unfair ( relating to their billing practices and underlying systems that failed to recognize payments and deduct wrongfully billed fees ). While these were 'business ' credit cards, I believe the CFPB should consider authority under the end result of the business card being applied to the individual as a consumer who was not employed by the entity at the time of any wrongful actions even if the underlying requirement was the result of an initial employment situation and business context.

More likely though, I believe it is a violation of XXXX XXXX XXXX ( FTC XXXX XXXX ) or more commonly known as UDAP under the previously mentioned prongs for deceptive based on the misleading conduct of the agents to the end result and the underlying unfair billing practices.

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