Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
b'I got an invitation to get an American Express "credit card" however. \nThere is a huge difference between American Express and all other real credit cards.\nAmerican Express doesn\'t disclosed appropriately, clearly and in a gentile language: \nhow they calculate interests, \nwhy there is no credit limit amount approved, \nthe 2 "options" they offer to clasify or "finance" the purchases done (pay in full and pay over time) wich have misleading names\nhow to select or why unilaterally they assign some purchases to one or another how they distribute the payments done and \nwhere and when all these procedures and information is disclosed to the clients. \nBesides the clear explanation of the previous questions, i am requesting comprehensive details regarding all "credit" card accounts issued under my name. Specifically, I require a complete list of transactions history(including deposits and/or payments) for each account starting from the accounts opening date until the present (including also details of any CREDIT BALANCE presented at any time in any of the products on my name).\nI am requesting this information in order to maintain accurate personal records and to verify the precision of account activity, since during the last months there have been several upgrades and changes in my credit cards. \nThis is why I need a detail in chronological order of the cards I had and were replaced by other ones that are actually active please. \nConsider that I am NOT requesting regular Statements.\nIn addition, please note that this inquiry is made in light of my rights under the Fair Credit Billing Act (FCBA), 15 U.S.C.  1666, among other applicable consumer protections, and is intended solely for personal record-keeping and account accuracy verification purposes. \nTo assist you with locating my accounts and processing my request, please use the following identifying information: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShould you require any additional documentation or further verification to process this request, please let me know. \nAdditionally, I formally request a complete copy of every contract, agreement, or legally binding document executed by me regarding any and all products or services I currently maintain with Capital One. This includes, but is not limited to:  \n- Credit card agreements  \n- Loan agreements  \n- Any terms and conditions accepted during account setup  \n- Any amendments or updated agreements affecting my accounts  \nProviding these documents is essential for personal record-keeping and accuracy verification in accordance with my rights under the Truth in Lending Act (TILA), 15 U.S.C.  1601 et seq., the Fair Credit Billing Act (FCBA), 15 U.S.C.  1666, and other applicable consumer protection statutes. I expect that all executed agreements related to my accounts are disclosed in full, with clear identification of applicable terms.  \n\nI appreciate your prompt attention to this matter and kindly request a response within the timeframe prescribed by applicable regulations.'

Company response to consumer: Closed with non-monetary relief