Consumer complaint received 2024-08-07 00:00:00
Product: Credit 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
State: PR

Complaint narrative:
Greetings, To whom it may concern. 
In XX/XX/XXXX, I opened a business selling and installing water filters in XXXX XXXX XXXX. Despite having money saved, I wanted to start the business by building credit for the business using a loan or credit card. Even though loans were not very accessible, I saw offers for business credit cards with very attractive advantages such as XXXX INTEREST on purchases for an entire year. I applied in XX/XX/XXXX for an American Express credit card which was approved that same month. I did not have the need to use it until XX/XX/XXXX, to pay for products, accounting services, and payments to shipping companies, and purchases for the business. 
I had to enter my account information in XXXX for my first payment, and due to an error in my account name, that XXXX payment was returned. American Express sends me an email explaining the situation and I submit the payment with the help of a representative. It's all in the evidence attached right here. The payment was processed successfully. I continued using the credit card for purchases, and paying the card, however, this month, XXXX, I realized that they have been charging me interest since XXXX ( 29.99 % ). I didn't know because due to the configuration of my internet browser, I couldn't see those charges. I only saw their offers for promotions and some credit that I had paid and purchases, that part where it says interest charge and I didn't record seeing it. I use Brave as an internet browser. I asked before using the card if the XXXX interest was for a whole year on purchases, to be sure of its use, and they confirmed that it was. In XXXX, they asked me for a payment of XXXX dollars, because I had allegedly exceeded the payment limit with the card, I agreed to pay the amount of that payment {$940.00} dollars to have a healthy account. I made the payment in XX/XX/XXXX. In XXXX it turns out that as they explained to me, I never had the 0 % APR offer because it is an automated system that arbitrarily chooses the accounts, analyzes them, and demands payment of interest, without any explanation. I wrote to customer service to find out what was happening and they told me that they couldn't do anything and that I need to pay everything with 29.99 % interest. I looked for the papers they sent me with the rewards points documents and nowhere, can I see, what they are doing with my account. It seemed somewhat fraudulent and lying to me, and even more so when I personally wrote to them because I had questions about the balance transfer benefits if it was available, and they explained to me that I only had rewards and 0 % XXXX throughout the year. I have always paid the card and have also made other additional payments. Please make a report for bank fraud. Let me be obvious, I used the card the way they told me I could!! ( page XXXX ) I have attached all my conversations with AMERICAN EXPRESS. XXXX XXXX to last XXXX.

Company response to consumer: Closed with explanation