Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/17, I applied for and was approved for American Express ' " Blue Cash Everyday Card '' through the public sign up offer for {$150.00} statement credit after spending {$1000.00} in the first three months. I met the requirements after spending {$1500.00} on the card from XXXX, but did not received the bonus as advertised. 

I contacted AmEx by secured message from the app on XX/XX/17 about this error and they claimed I did not sign up for the card with the public offer, and would not provide the {$150.00} credit. They opened an investigation and told me to wait 6-8 for an update. I never was notified about the status of the investigation, and in the 7 months since, I've contacted XXXX 4 additional times, twice more by the secured message, once by phone, and once by online chat today. After I told them I would submit a claim with the CFPB they again said they would not provide any credit or bonus to me. I did nothing wrong, and American Express should honor the bonus as written XXXX the offer terms are copied below ). 

OFFER TERMS Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. 

{$150.00} Statement Credit To qualify for the {$150.00} statement credit, you must make purchases with your Blue Cash Everyday Card from American Express that total {$1000.00} or more within your first 3 months of Card Membership. The statement credit will be applied 6-8 weeks after the spend threshold is met. If we in our sole discretion  determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus 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 bonus 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. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the {$150.00} statement credit, your Card account must not be past due or cancelled at the time the statement credit is posted to your Card account.

You can earn {$150.00} back after you spend {$1000.00} or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. 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 ). The statement credit will be applied 6-8 weeks after the spend threshold is met.

American Express reserves the right to modify or revoke offer at any time.