American Express Company Consumer Complaints
American Express Company has received 56,508 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 56,508 total complaints on file with the CFPB.
- Most complaints are about Credit card (18,979).
- Timely response rate: 99.7%.
- Consumer disputed rate: 27.2% of resolved complaints.
Complaints by Product
The following table shows how complaints against American Express Company break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit card | 18,979 | 33.6% |
| Credit card or prepaid card | 13,942 | 24.7% |
| Credit reporting or other personal consumer reports | 6,778 | 12.0% |
| Debt collection | 5,031 | 8.9% |
| Prepaid card | 4,910 | 8.7% |
| Credit reporting, credit repair services, or other personal consumer reports | 3,898 | 6.9% |
| Checking or savings account | 1,870 | 3.3% |
| Bank account or service | 447 | 0.8% |
| Money transfer, virtual currency, or money service | 297 | 0.5% |
| Payday loan, title loan, personal loan, or advance loan | 100 | 0.2% |
| Payday loan, title loan, or personal loan | 96 | 0.2% |
| Credit reporting | 54 | 0.1% |
| Debt or credit management | 34 | 0.1% |
| Other financial service | 21 | 0.0% |
| Consumer Loan | 17 | 0.0% |
| Mortgage | 17 | 0.0% |
| Money transfers | 11 | 0.0% |
| Vehicle loan or lease | 4 | 0.0% |
| Student loan | 2 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about American Express Company.
Company Response Breakdown
When consumers file complaints, American Express Company responds in one of several ways. The breakdown below shows how American Express Company has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 39,655 | 70.2% |
| Closed with monetary relief | 8,697 | 15.4% |
| Closed with non-monetary relief | 7,698 | 13.6% |
| Closed without relief | 250 | 0.4% |
| In progress | 111 | 0.2% |
| Closed with relief | 80 | 0.1% |
| Closed | 17 | 0% |
Complaints by State
Top states where consumers have filed complaints against American Express Company.
| State | Complaints |
|---|---|
| California | 8,334 |
| New York | 6,164 |
| Florida | 5,716 |
| Texas | 4,369 |
| Georgia | 3,313 |
| New Jersey | 2,449 |
| Illinois | 1,920 |
| Pennsylvania | 1,740 |
| Virginia | 1,559 |
| North Carolina | 1,549 |
| Massachusetts | 1,407 |
| Ohio | 1,303 |
| Maryland | 1,251 |
| Michigan | 1,236 |
| Washington | 1,171 |
| Arizona | 1,089 |
| Nevada | 787 |
| Colorado | 740 |
| Connecticut | 681 |
| Minnesota | 673 |
Your Rights
What to do if you have a complaint against American Express Company
- Contact American Express Company directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does American Express Company have?
American Express Company has 56,508 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about American Express Company?
The most common issue reported is Problem with a purchase shown on your statement with 5,884 complaints.
-
How do I file a complaint against American Express Company?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does American Express Company respond to complaints on time?
American Express Company has a 99.7% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.