Consumer complaint received 2016-07-25
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint relates to a previous complaint, # XXXX against American Express Blue Cash card. 

As noted in the complaint, American Express failed to post a charge of {$5400.00}, for two months and twenty days, causing me considerable harm and inconvenience, consuming much time and energy, attempting to hold American Express accountable for their wrongdoing. 

I say wrongdoing, rather than mistake, because after five months trying to correct this matter, American Express has clearly indicated that it has no intention of admitting any negligence or wrongdoing. 

I have never received any recognition, much less any apology, for the failure of American Express to register the very considerable charge, from XXXX/XXXX/XXXX, when the charge was made, and approved. American Express failed to post the charge, until XXXX/XXXX/XXXX! 

After enduring five months of delay, denial, and prevarication, on the part of American Express, it appears to me quite clear that the abuse perpetrated by American Express against consumers, is conscious and systemic. 

The ruse is simple. American Express exploits the trust that unwary consumers have in them, to truthfully and accurately register and post all charges made by consumers, in a timely manner. 

There is no excuse that American Express would delay the posting of a charge of {$5400.00} for two months, twenty days. There is no excuse that American Express would not immediately post such a charge, as it generally posts immediately all smaller charges, when the charges are approved. 

American Express clearly abuses consumers in such manner, relying upon its army of customer-service representatives, to wear down said abused consumers, putting them " on hold '' for extended periods of time, transferring them to numerous customer-service, " tag-team players, '' needlessly requiring said abused consumers to repeat over and over, the nature of the complaint, to an overwhelming force of customer-service agents. 

When the {$5400.00} charge finally posted on the XXXX XXXX bill, which I received XX/XX/XXXX, my minimum payment increased from c. {$150.00} to c. {$380.00}, causing a considerable burden on me, due to what I believe to be the conscious wrongdoing of American Express. 

American Express has never acknowledged the delay, never accepted responsibility for the delay, never apologized for the inconvenience that they caused. 

American Express, did, however, implicitly recognize the burden which the delayed posting caused me. Each month, from XX/XX/XXXX through XXXX XXXX, after negotiating monthly statements from XX/XX/XXXX through XXXX XXXX, American Express has reduced my minimum payment from c. {$360.00}, to {$140.00}. 

Each month since XXXX XXXX, I have called American Express customer service, to " fight the same battle. '' Each of five months, XX/XX/XXXX-XX/XX/XXXX, I have needlessly explained to a succession of customer-service agents, the specifics of my complaint. 

However, Saturday, XXXX/XXXX/XXXX, after repeating, as usual, to XXXX or XXXX AmEx customer-service agents, the specifics of my case, for the seemingly infinite number of times, after needlessly wasting fifty or sixty minutes, in this asinine endeavor, the call abruptly ended. Despite having my call-back number, no customer-service agent called. 

I did, however receive a duplicate e-mail of my XX/XX/XXXX AmEx bill, with its minimum payment of {$360.00}. American Express clearly would seem to be confident that it can continue its abuse and harassment, until I submit to its will. 

I will not. At least, not willingly. I will continue to denounce their deceptions, their dirty tricks. I will continue to denounce their abuse of power over consumers.

Company response to consumer: Closed with explanation