Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I enrolled in a program called XXXX XXXX and used my American Express card to pay approximately {$6000.00}. The company used deceptive and misleading practices to convince me to make the purchase. Before signing, they verbally presented the role as a remote sales job with stable pay and never disclosed that it was 100 % commission-based with no salary or guaranteed income. If this had been disclosed, I would not have agreed to finance the program on my credit card. 

XXXXXXXX XXXX  also repeatedly promised that they would cover my minimum American Express payments during the program. Their own FAQ documents and staff messages state that they cover minimum payments and the AMEX annual fee. However, as my minimum payment approached ( {$2400.00} due XX/XX/XXXX ), they began ignoring my questions about it. Multiple messages I sent asking how and when they would cover the payment went unanswered. Instead of honoring their promise, they sent me a generic XXXX  link and attempted to pressure me into lowering the minimum payment through a Plan It restructure. This was never discussed before signing and appears designed to avoid paying what they promised. 

They also guaranteed job placement within 30 days in the signed contract. I was never placed in any job, which is a material breach of their own agreement. Throughout the program, the coach assigned to me frequently ignored messages or took days to respond. When a student brought up payment concerns in a team meeting, the staff shut the topic down and stated, we dont talk about that here. They also have a policy stating financial issues can not be discussed publicly, which prevents students from raising legitimate concerns. 

XXXXXXXX XXXX required me to sign a second document titled Credit Authorization Waiver Agreement, which contains clauses stating I can not dispute charges with my bank and can not cancel my credit card without their approval. These terms violate my rights under the Fair Credit Billing Act and appear intentionally designed to block consumers from seeking help. 

I completed the work they asked for ( which all the proof of it is sent ), including daily touchpoints, calls, texts, emails, and meetings. Despite that, I received no job placement, no income, no support with my minimum payment, and no reimbursement. Instead, I have been left with a {$6300.00} balance and a large minimum payment that is harming my credit due to their broken promises and refusal to address the issue. 

I believe XXXXXXXX XXXX used deceptive practices, false promises, coerced credit usage, and illegal contract terms to obtain payment. I am requesting assistance in resolving the charges on my American Express account, as the services promised were not delivered and the purchase was made under misleading and unfair circumstances. I really belive you can help me. Thank you, CFPB.

Company response to consumer: Closed with monetary relief