Card issuer · complaint record
American Express complaints
Filed under AMERICAN EXPRESS COMPANY
Consumers have filed 61,693 complaints about American Express since 2011, 11,560 of them in the last 12 months (+12% on the year before). It answered 98.9% on time and closed 25% with relief for the customer - about the same as a typical card issuer. The most common problem is problem with a purchase shown on your statement. It is the 4th most complained-about of 52 credit card companies this year.
Good response record. How it works
- Complaints on record
- 61,693
- Last 12 months
- 11,560
- Answered on time
- 98.9%
- Closed with relief
- 25%
- Last 30 days
- 538
- Rank
- #4 of 52
Since December 2011
+12% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Nov 11, 2026
Most complained-about credit card companies
American Express complaints by month
The busiest month was April 2026 (1,118 complaints). Complaints in the last 12 months are up 12% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Express answered last 12 months
- Closed with monetary relief1,23310.7%
- Closed with non-monetary relief1,57813.7%
- Closed with explanation8,54974%
- In progress2001.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time40/4598.9% on time
- Relief for customers19/4024.7% closed with relief
- Complaint trend9/15+12% vs last year
What American Express complaints are about
Top American Express problems last 12 months
Inside "Problem with a purchase shown on your statement"
- Credit card company isn't resolving a dispute about a purchase on your statement 5,492
- Card was charged for something you did not purchase with the card 1,238
- Overcharged for something you did purchase with the card 186
Where American Express complaints come from
Most complaints: California (9,105), New York (6,675), Florida (6,406), Texas (4,888), Georgia (3,606).
American Express compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Capital OneCredit cards | 67 | 34,760 | B |
| 2 | CitibankCredit cards | 86 | 24,056 | A |
| 3 | SynchronyCredit cards | 46 | 16,479 | D |
| 4 | American ExpressCredit cards | 68 | 11,560 | B |
| 5 | Bread Financial (Comenity)Credit cards | 82 | 10,455 | A |
| 6 | Goldman Sachs Bank (Apple Card, Marcus)Credit cards | 75 | 6,413 | B |
| 7 | Barclays USCredit cards | 55 | 5,690 | C |
| 8 | DiscoverCredit cards | 75 | 2,745 | B |
Compare side by side: American Express vs Capital One · American Express vs Citibank · American Express vs Synchrony · American Express vs Bread Financial
What people say about American Express
All experiencesNo experiences with American Express yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Express complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
| Nov 10, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Nov 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 8, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Nov 6, 2026 | Credit cards | Problem with a purchase shown on your statementOvercharged for something you did purchase with the card | Explained |
| Nov 6, 2026 | Credit cards | Advertising and marketing, including promotional offersDidn't receive advertised or promotional terms | Explained |
| Nov 6, 2026 | Credit cards | Other features, terms, or problemsProblem with rewards from credit card | Explained |
| Nov 5, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 5, 2026 | Credit cards | Other features, terms, or problemsProblem with rewards from credit card | Explained |
| Nov 5, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
Questions about American Express
How many complaints does American Express have?
American Express has 61,693 complaints on record since December 2011, including 11,560 in the last 12 months and 538 in the last 30 days. That makes it number 19 of every company by complaints this year.
Does American Express respond to complaints?
Yes. American Express answered 98.9% of its complaints on time (within 15 days) and closed 25% with relief - money back or a fix; 10.9% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 68/100 (grade B).
What do people complain about most with American Express?
The most common problems are problem with a purchase shown on your statement (6,916), incorrect information on your report (6,618), other features, terms, or problems (4,898).
Is American Express legit?
American Express is a real company with a public complaint record: consumers have complained about it 61,693 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American Express legit? for the signals, red flags and how to protect yourself.
Are complaints about American Express going up or down?
Up. There were 11,560 complaints in the last 12 months against 10,313 in the 12 before (+12%). See every month.
How do I file a complaint against American Express?
Complain to American Express in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most American Express complaints come from?
Most come from California (9,105), New York (6,675), Florida (6,406). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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