Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Possible names on Account : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I am an active duty United States Air Force servicemember, continuously on active duty since XX/XX/XXXX. American Express has violated my rights under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937, by charging interest rates far exceeding the statutory 6 % cap on three credit card accounts, all of which were opened before my active duty service began. Accounts affected ( all opened pre-service, all SCRA-eligible ) : Blue Cash Everyday opened XX/XX/XXXX Blue Cash Everyday ( second account ) opened XX/XX/XXXX Platinum Card opened XXXX Specific violations documented from statements in my possession : XXXX XXXX statement : Account # 1 charged 7.99 % APR ( 1.99 % above SCRA cap ) XXXX XXXX statement : Account # 1 charged 7.99 % APR ( 1.99 % above SCRA cap ). Year-to-date interest through XX/XX/XXXX : {$110.00} XXXX XXXX statement : Account # 2 charged 24.49 % APR ( 18.49 % above SCRA cap ). Year-to-date interest XXXX : {$290.00} XXXX XXXX statement : Account # XXXX charged 23.49 % APR ( 17.49 % above SCRA cap ). Year-to-date interest XXXX : {$75.00} XXXX XXXX statement : Platinum account charged 21.74 % APR on Pay Over Time and 28.74 % APR on Cash Advances ( 15.74 % and 22.74 % above SCRA cap respectively ) XXXX Year-to-date interest XXXX : {$89.00} XXXX account has been charged a {$550.00} annual fee repeatedly since XXXX, which under XXXX XXXX. XXXX ( d ) ( XXXX ) is also subject to the 6 % cap because the statute defines " interest '' to include " service charges, renewal charges, fees, or any other charges. '' Actions taken by me : I have reviewed my available statements and identified the violations. I am preparing to formally request XXXX benefits from Amex and have sought legal assistance from the XXXX XXXX Assistance XXXX. Actions taken by American Express : To my knowledge, Amex has never applied the XXXX 6 % interest rate cap to any of these XXXX accounts at any point during my active duty service, despite my military status being verifiable through the Department of Defense 's DMDC database ( scra.dmdc.osd.mil ) at any time since XX/XX/XXXX. Relief requested : Retroactive application of the 6 % SCRA interest rate cap on all three accounts from XX/XX/XXXX to present : Refund of all interest charged above 6 % on all three accounts since XX/XX/XXXX Refund of all annual fees charged on the Platinum account since XX/XX/XXXX, as fees fall within the statutory definition of " interest '' under 3937 ( d ) ( 1 ) Complete account history showing all interest and fees charged since XX/XX/XXXX Written confirmation of SCRA benefit application Estimated harm : Based on the five statements I have reviewed, Amex charged me approximately {$560.00} in interest across these accounts in the periods covered. The five statements represent only a small fraction of approximately 80 months of continuous active duty service since XX/XX/XXXX. My estimated total overcharge across all three accounts since XX/XX/XXXX, including interest above the 6 % cap and annual fees subject to the cap, is likely in the range of $ XXXX. Legal basis : 50 U.S.C. 3937 ( Maximum rate of interest on debts incurred before military service ) 50 U.S.C. 3937 ( d ) ( 1 ) ( Definition of interest includes fees and service charges ) 50 U.S.C. 3938 ( Installment contracts for purchase or lease ) 50 U.S.C. 4042 ( Liberal construction of the SCRA in favor of servicemembers )

Company response to consumer: Closed with explanation