Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (LA)

On, or around XX/XX/XXXX, I applied for the enforcement of the servicemember Civil Relief act ; Uniformed Service Employment and Re-employment Rights act ( RS 29:422 ). On XX/XX/XXXX, I received an approval email response stating that any " new cards activity will receive an Annual Percentage Rate ( APR ) of 0.00 % for the duration of XXXX XXXX. If applicable, credit was issued for fees and billed interest and will appear on an upcoming billing statement ( s ). Balances incurred during XXXX XXXX will return to the Standard Annual Percentage Rate ( APR ) as stated in your Cardmember Agreement upon completion of XXXX XXXX. American Express will provide notification of exit and applicable rate increases at least 45 days prior to exit ''. I did not receive any credits on either card or were they applied to my billing statements. Basically, they are refusing me credit for any interest or fees charged illegally on the cards I now hold with them. Furthermore, the states Ohio, Louisiana, and Pennsylvania extend this act to all charge obligation originated during military service. I am an XXXX XXXXXXXX residing in Louisiana, and I fulfill the requirements for credits to be applied for previous charges. As a result, on XX/XX/XXXX, I contacted American Express again to resolve the matter and assure they understood my desire. The person I spoke with informed me that I needed to file a new request, and that he would make sure to annotate the Louisiana code in the notes. Also, I should expect to receive a response by the end of the month, which is closer to their 60-day deadline. Since that XXXX deadline was approaching I reached out today XXXX XXXX. XXXX to receive an update. During this call, the lady I spoke with advised me that SCRA has been applied to my cards, but they would only apply it back until XXXX, when the letter was mailed out. I have been a member since XXXX and an XXXX XXXX  member since XX/XX/XXXX. As a result, I am not sure why it is just being applied back until XXXXXXXX XXXX XXXX Also, I have reached out to other individuals and their letters were different than mines. Their letters stated " that they have chosen to reduce the interest rate on your SCRA eligible balance ( s ) to an Annual Percentage Rate ( APR ) of 0.00 % per year. To move XXXX eligible balances incurred prior to XXXX XXXX to the 0.00 %, we have issued credit ( s ) to the existing Annual Percentage Rate ( APR ) of 0.00 % and debit ( s ) to the Annual Percentage Rate ( APR ) of 0.00 %. The itemized adjustment will appear on your statement as Balance Transfer/ Reversal of Balance Transfer. As a result, you will see this balance now displayed on your monthly billing statement under XXXX interest Rate in the Interest charge calculation section. We have also credited your account for any applicable interest charges and fees, which you will see reflected on an upcoming billing statement ( s ) ''. Finally, I have only encountered problems with this organization thus far ; however, it appears that not everyone is receiving the same treatment, therefore I would appreciate your help resolving this issue.