Consumer complaint received 2026-04-29 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: WA

Complaint narrative:
Complaint Regarding Deceptive Marketing and Fraudulent Regulatory Reporting Related References : Prior CFPB Case No : XXXX Prior XXXX Case No : XXXX Amex Internal Ref : XXXX XXXX. Submission of False Information to a Federal Agency I am filing this new complaint to formally document that American Express ( Amex ) has provided factually false and misleading statements to the CFPB in its response to my previous inquiry. Under 18 U.S. Code 1001, providing false or fraudulent statements to a federal agency is a serious violation. In their official response dated XX/XX/year>, Amex claimed that the welcome offer associated with my application was for " 90,000 Bonus Miles ''. This statement is demonstrably false and reveals a total lack of integrity in their internal investigation for the following reasons : Fabricated Data : My account was actually assigned a 50,000 Membership Rewards ( MR ) point bonus, a fact that is completely ignored in Amexs response. The " 90,000 '' figure cited to the CFPB appears to be fabricated and exists nowhere in my application or account history. Product Misidentification : The Platinum Card ( ending in XXXX ) is a Membership Rewards point-earning product, not an airline " Miles '' product. By reporting " Miles '' to a regulator regarding a points-based card, Amex has demonstrated a gross failure of their data integrity and reporting standards. XXXX. Obfuscation of Evidence and Systematic Deception Amex has acknowledged that my application originated from a promotional path stating I could earn " as high as 175,000 '' points. They have also admitted that my chat interactionwhere an agent verified this 175k pathfailed to meet their service standards. Despite these admissions, Amex is hiding behind the claim of " proprietary records '' to refuse the production of a system audit log or frontend screenshots of the disclosure they claim to have provided. This refusal, coupled with the delivery of false data to the CFPB, strongly suggests that Amex is utilizing " Dark Patterns '' to induce applications with high rewards while secretly assigning significantly lower bonuses without " Clear and Conspicuous '' disclosure. 3. Economic Irrationality and Lack of Informed Consent I committed to a substantial {$890.00} annual fee based solely on the marketed 175,000-point inducement. No reasonable consumer would knowingly agree to a high-fee contract for a 50,000-point reward, which is nearly 70 % lower than the marketed offer and far below the industry standard for this premium product. XXXX. Desired Resolution and Demand for Escalation Due to the factually incompetent and misleading response provided by the " Customer Advocate Services Team '', I no longer have confidence in their ability to resolve this matter. I demand the following actions : Executive Office Review : I request that this case be immediately escalated to the American Express Executive Office ( Office of the President ) for an honest and accurate review of my account. Manual Adjustment : A manual credit of the missing 125,000 Membership Rewards points to fulfill the 175,000-point offer that induced this application. Audit Disclosure : I request that the CFPB compel Amex to provide a timestamped log of my specific application session from XX/XX/year>, to prove whether any disclosure was actually presented. Formal Correction : Amex must provide a corrected statement to the CFPB explaining why they reported a non-existent " 90,000 Miles '' offer for my account.

Company response to consumer: Closed with explanation