Consumer complaint received 2022-05-03
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid 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

Complaint:
I received an e-mail promotional offer from American Express XXXX, XX/XX/XXXX. I attempted to take advantage of that offer by calling the phone numbers posted or applying on-line but could not complete the application process for varying reasons. 3 different agents said that they did not have access to the special e-mail promotion that I received and when applying on-line I received a message that " Our systems are not responding. Please try later or call XXXX. But that number doesn't actually work. It then gives you a new number. When you call the new number that person tells you that they can not process your application because they don't have access to the offer made to me. I believe that they are reneging on their offer and I don't have any more time to spend on this. This is a copy and paste of the offer I received : Youre pre-approved to apply for either : The Blue Business Plus Card or The Blue Business Cash Card Earn up to XXXX Membership Rewards pointsXXXX or up to {$600.00} in statement creditsXXXX  then add Employee Cards to complete your bundle. 
Both Bundles feature no annual fee and a 0 % Intro APR* on purchases for 12 months from the date of account opening. 
Apply by XXXX To qualify for the bundle offer, the Employee Card must be added at the time of Card application. 
*After that, your APR will be a variable rate between 13.49 % 21.49 %, accurate as of XX/XX/XXXX. 
PICK THE BUNDLE THAT IS RIGHT FOR YOUR BUSINESS EARN UP TO XXXX POINTS WITH THIS BUSINESS CARD + EMPLOYEE CARD BUNDLE Earn XXXX Membership Rewards points after you spend {$15000.00} in purchases on the Blue Business Plus Card in the first 12 months of Card Membership. 


Earn XXXX Membership Rewards points after you add an Employee Card with your Card application and spend {$1000.00} in purchases on your Employee Card in the first three months of Card Membership.2 There is no annual fee.

Rates & Fees EARN UP TO {$600.00} IN STATEMENT CREDITS WITH THIS BUSINESS CARD + EMPLOYEE CARD BUNDLE Earn {$500.00} in statement credits after you spend {$15000.00} on your new Blue Business Cash Card in the first 12 months of Card Membership. 


Earn {$100.00} in additional statement credits after you add a new Employee Card with your Card application and spend {$1000.00} on your Employee Card in the first three months of Card Membership.4 There is no annual fee.

Rates & Fees UNLOCK THESE BENEFITS WITH EITHER CARD Enjoy no annual Membership fee and earn Membership Rewards points, just for doing business. 
Blue Business Plus Rates & Fees Blue Business Cash Rates & Fees 0 % Intro Apr Enjoy 0 % Intro APR for 12 months on purchases from the date of account opening. After that, your APR will be a variable rate between 13.49 % 21.49 %, accurate as of XX/XX/XXXX. 
Blue Business Plus Rates & Fees Blue Business Cash Rates & Fees Earn More Rewards The more Cards you provide for your employees, the more rewards you can earn. Plus, theres no annual fee when you add Employee Cards.5 Expanded Buying XXXX6 If business needs arent constant, your spending power shouldnt be either. Expanded Buying XXXX  gives you the freedom to spend beyond your credit limit and get business done. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. 
BUILDING YOUR BUNDLE Apply to add the Blue Business Plus Card or the Blue Business Cash Card Add Employee Cards on your Card application Enjoy the benefits and rewards of your bundle Apply for the Blue Business Plus Card bundle Apply for the Blue Business Cash Card bundle EXPLORE MORE WITH YOUR AMERICAN EXPRESS CARD Add someone to your account Refer a business Add Amex Offers to your Card Check out the Shop Small map Get the American Express App Backing our customers with a seamless app. See why the Amex App is ranked # 1 in Customer Satisfaction with Mobile Credit Card Apps by XXXX. XXXX * *Based on responses from consumer Card Members. For XXXX. XXXX XXXX award information, visit XXXX XXXX on this email Privacy statement Update Email Unsubscribe This email advertisement was sent to : XXXX. 

Your account information is included above to help verify American Express as the sender of this email. Learn about email security or report suspicious email at americanexpress.com/phishing. Please do not reply to this email as we do not accept messages to this email address. If you need to contact us, you may do so via Customer Care. 

XXXX  and XXXX only. See app store listings for operating system info. XXXX, the XXXX logo, XXXX, and XXXX are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX is a trademark or registered trademark of XXXX in the U.S. and other countries and is used under license. App Store is a service mark of XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX 
Terms and Conditions Blue Business Plus Card Offer You can earn XXXX Membership Rewards points after you spend {$15000.00} or more ( the Threshold Amount ) in eligible purchases on your Blue Business Plus Card within your first 12 months of Card Membership starting from the date your account is approved. The Membership Rewards points will be applied 8-12 weeks after the Threshold Amount is met. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit Membership Rewards points to, we may freeze Membership Rewards points credited to, or we may take away Membership Rewards points from your account. We may also cancel this Card account and other Card accounts you may have with us. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your account must not be canceled or past due at the time of fulfillment of any offers. You can earn XXXX Membership Rewards points after you spend {$15000.00} or more on eligible purchases on your Card within your first 12 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$15000.00} may be shorter than 12 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 12-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by XX/XX/XXXX, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time. Terms and Conditions for the Membership Rewards program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to XXXX. 

Employee Card Bundle Offer To earn the XXXX Membership Rewards points, at least {$1000.00} in eligible purchases must be made on the Employee Card added at the time of Card application within the first 3 months of Card Membership. XXXX Membership Rewards points will be credited to the Basic Card Members account 8-12 weeks after the requirements have been met. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit Membership Rewards to, we may freeze Membership Rewards credited to, or we may take away Membership Rewards from your account. We may also cancel this Card account and other Card accounts you may have with us. To receive the points, your Card account must not be past due, canceled or have a returned payment outstanding at the time of offer fulfillment. Eligible purchases are for goods and services minus returns and other credits. Interest charges, fees, purchases of checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents are not considered eligible purchases for the purpose of the purchase requirement. You can earn XXXX Membership Rewards Points after you spend {$1000.00} or more on eligible purchases on your Employee Card within your first 3 months after adding the Employee Card. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by XX/XX/XXXX, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time. 

Blue Business Cash Card Offer You can earn a {$500.00} statement credit after you spend {$15000.00} ( the Threshold Amount ) or more in eligible purchases on your Card within your first 12 months of Card Membership. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible Purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply. Limit one offer per Card Account. Offer may not be combined with any other special offer. The {$500.00} statement credit will appear on your monthly billing statement within 8-12 weeks after you have charged {$15000.00} in eligible purchases, provided that your Card account is not past due or canceled. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit statement credit to, we may freeze statement credit credited to, or we may take away statement credit from your account. We may also cancel this Card account and other Card accounts you may have with us. For questions regarding your Card account, please call the number on the back of your Card. You can earn {$500.00} in statement credits after you spend {$15000.00} or more on eligible purchases on your Card within your first 12 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$15000.00} may be shorter than 12 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 12 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by XX/XX/XXXX, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time. 

4 Employee Card Bundle Offer To earn the {$100.00} statement credit, at least {$1000.00} in eligible purchases must be made on the Employee Card added at the time of Card application within the first 3 months of Card Membership. The Basic Card Members account will receive the statement credit 8-12 weeks after the requirements have been met. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the statement credit, we may freeze statement credits, or we may take away statement credits from your account. We may also cancel this Card account and other Card accounts you may have with us. To receive the credit your Card account must not be past due, canceled or have a returned payment outstanding at the time of offer fulfillment. Eligible purchases are for goods and services minus returns and other credits. Interest charges, fees, purchases of checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents are not considered eligible purchases for the purpose of the purchase requirement. You can earn {$100.00} statement credit after you spend {$1000.00} or more on eligible purchases on your Employee Card within your first 3 months after adding the Employee Card. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped. ) If your application is not received by 6/30/2022, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.

5 Employee Card Terms, conditions, and restrictions vary by individual Card products.

6 Expanded Buying XXXX The portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due. You will not incur interest charges on the portion of your account balance that is above your credit limit so long as you pay the entire minimum payment due by the closing date of the billing period in which it is due. If you do not, then the penalty rate will apply to your entire balance, including any amount above the credit limit. 
American Express Customer Service Department XXXX XXXX XXXX | XXXX XXXX, TX XXXX XXXX American Express . All Rights Reserved. 

XXXX XXXX

Company response to consumer: Closed with explanation