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American Express Complaints 440

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J
6:03 pm EDT

American Express unfair business practices

I thought when I first wrote the title to this post that it might be a bit harsh - but no, I think it’s right on target. Up until recently I was a very devoted American Express Customer. I had my personal Platinum card, and through their “Open” small business program I had a Blue card (revolving credit) and a Standard Gold card for travel/expenses.

I used them extensively for about 9 months. Running between $4k and $8k a month through them. (Of course AmEx making 3-5% on each purchase, right?) I bragged about them, I told many people how glad I was to have signed up for the program. And then the hammer dropped. As (what I’m assuming) a part of the consumer credit crunch, AmEx has been tightening the reigns of who is and isn’t WORTHY of their patronage.

A few times they told me I had gone “out of my usual spending pattern” and they suspended my card. (I charge airfare, hotels, auto rental, and the occasional peice of equipment to that card - always when it’s billable to my customers). I was concerned, but tried to chalk it up to “they’re protecting me.”

Then the worst case happens. A customer slow-pays me (you know who you are, don’t make me publish your name) and a pre-arranged payment to AmEx (through their website) bounces. First time I’m even so much as being late on the card, I call them immediately and explain the situation to someone who was nice albeit in hindsight quite clueless. They tell me that it’s no problem, that as soon as the payment is made my account will be in good standing and that I can continue to use it. I log into the website and it tells me that my charging ability is suspended.

Two days later the payment comes in - I *IMMEDIATELY* go to www.americanexpress.com and schedule the payment. Within seconds of making the payment (probably immediately afterwards) the website updates that my accounts are CANCELED. I call in - speak to a Mrs. Dodi who explains that it’s automatic after a payment is returned and that in 24 hours (after the payment has debited from my account I’m assuming) we can go back in and re-activate the account. I guess this is designed to keep me from going to my bank and having them disallow the $6, 000 payment I had just made to them.

I call back - I’m immediately told by Mrs. Dodi that there is nothing she can do, that the account is irrevocably closed and that there is no appeal process. I explain the situation, I was traveling at the time and had no way to pay the hotel/car that I had out. The long and the short of it - American Express has put me out of business. Without mercy, without so much as an “I’m sorry.” they have bankrupted me. The money I spent building my business is gone for good, my investment tanked completely.

So my advice to you - if you’re considering American Express for your small business finances - DON’T. They will suck you in, get you to depend on them, and then turn on you the first time you have a spot of trouble.

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Karen from Oregon
Salem, US
May 30, 2011 5:51 pm EDT

I'm not a "power" user of AmEx, but I still think we are being treated unfairly. I have stellar credit, numbers in the 800's. We signed up for AmEx with our CostCo membership and apparently checked a box that allows them to e-mail our statements vs. sending snail mail. Since I pay the bills, not my hubby, I never see the statements, so we've missed step a couple of times just by days. (We hardly use the card either.) This time, they charged our CostCo membership to the card and we were unaware of this charge, so missed the payment. They raised our interest rate to 27% plus and it will be a negative mark on our credit. Probably partly our fault, but kind of sneaky nontheless.

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patt gemma
Oct 10, 2008 5:42 pm EDT

I established my Amex Blue card in February of 2006. Since that time I've spent over $350, 000 on the card paying it off typically within 20 - 30 days. I'm lucky if I accumulated $150 of interest due on a monthly basis. Completely out of the blue - with no explanation whatsover they dropped my available credit in half. They based this information on what they said was on my credit report. Interestingly enough - my credit was clean. Next thing I know - I paid off the card in full as I typically do and went to a business luncheon meeting. Lo and behold . . . . card declined. They cancelled the card the minute that my balance was paid in full. No explanation - no apologies. Nothing. Again they based it upon what my credit report was stating.

I told them where they could put their card and applied for a Capital One the next day. Til the day I die I will bash and discredit American Express. I now place all my expenses . . . on Capital One.

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V
3:19 am EDT
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American Express my bad experience with them

I've had this same experience with Amex twice within 6 months. I was with them since 1993 holding both the green standard card and the gold card. My Gold card had a line of credit of $23K with a balance of only $5K never a late payment. I cancelled the lousy green card in Fall 06. Last year in March 07, while travelling for an assignment, I used the Gold card to pay for a week-long hotel stay, but the payment for the next week's stay was rejected. I used another card, rushed to my room and went online to check my account fearing fraud, just to find out my new line was reduced to barely the existing balance of $7K, and when I called Amex, they said it was due to too many inquiries on my Experian credit report. By now I am freaking out and thinking identity theft. I immediately got back online to buy my credit report just to find out there is nothing wrong with it and . They lied. So much for me trying to keep my credit card balance below 30% of the available credit to keep my FICO score at 750. Because of what Amex did, once that data hit the credit bureau, my FICO dropped by 30 points in a snap thanks to Amex.

It gets better, 4 months later, and on their own, they increased my line to $16K. Not trusting their practices now, I refrained from using the available credit, and Thank God I did because as soon as I refinanced my house two months later, they went in and clipped the credit line again to $8K, again barely enough available credit to cover the finance charges. I am just waiting to pay off the old balance and leave the account open with $0 balance forever and let THEM be the ones wasting money on maintain the account and sending their junk mail.

I still have all my documents. If there are more cases like this, we can file a class action suit for them causing harm to our credit worthiness for no fault of our own.

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L
8:24 am EDT
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American Express american express reduced credit line and damaged my credit

I am a small business owner and I am extremely particular about my credit. With a lot of hard work, years in the making, my credit score was nearly perfect.

Because of the flexibility of the American Express Platinum card and it’s advertised “no preset spending limit”. This is advertised on all of there web sites, TV and print advertising.

(COPIED FROM THEIR WEB SITE)
• Airport Club Access
• Exclusive amenities at boutique, resort, and luxury hotels
• Platinum Travel Service
• No pre-set spending limit
• The Membership Rewards First® program
• Platinum Card Concierge Service
• By Invitation Only® Events

I applied for and received this card and paid a very high annual fee ($450.00 PLUS $250 for each additional card holder) for this privilege so that I could use it for larger purchases.

Later, because we are launching a new business I also ordered anther American Express revolving card and a line of credit account. All accounts were solely based on personal credit and I was told that up front.

American Express extended numerous solicitations on the platinum card to pay some of my purchases over time. You were instructed to request to pay over time and then they would take several days to approve. In order to help finance my new business, I also took advantage of that offer.

I paid fully and on time according to the terms of my agreement. I never made a payment late. I had only used a percentage of the credit available to me on the line of credit and the revolving card as they came with a preset limit that I was given in writing.

I purposely kept my spending below the max available so that it would not adversely effect my credit score.

Bait and switch ... I was shocked when my Platinum card was declined for a small purchase. I contacted American Express and was told that they had decided to give me a “credit limit” that was less than my current balance on the card and that I was over their newly imposed limit. They gave me no reason for doing this and gave me no advance notification.

I had recently written a check from the line of credit to cover some other purchases. I had checked the available credit prior to doing this and it was sufficient to cover the check. Several weeks later I received letters in the mail saying they had reduced my limit on my revolving card and my line of credit account.

I called and asked if the check would be honored as I had written it prior to them reducing my limit. They refused to honor it and returned the check. (costing me fees)
Their reason? Because I didn't have a Dunn & Bradstreet number. I've requested a number from Dunn & Bradstreet and have never received one. Yet remember that my line of credit was secured off of my personal credit, not my business credit worthiness.

This matter has had a severely negative impact on my credit score. By reducing the credit limits, it looks as though I was maxed out on my available credit which causes your score to drop dramatically. Not only has it limited my credit line with American Express buy has caused me to be declined by others because of the negative impact on my credit.

Not only is this False and deceptive advertising and “bait and switch”, This is an unethical practice and I feel American Express should be made to honor their agreements. Especially with regard to the fact that they charge exorbitant membership fees for the “privilege” and then renege on the original offers.

I would like my original terms restored immediately and the information corrected with all credit bureaus.

Thank You for your assistance in this matter.

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Charan7872
US
Aug 21, 2017 4:38 pm EDT

The Same issue of reducing the credit limit happened to me today. The American express customer service(from India) sucks, they doesn't speak good to the customers. They reduced my limit 8000 without any sort of prior notice. They sent me an email after doing it. American express will be sued someday if they dont understand the customer's problem. They will have to face the consequences in the near future. Playing with the life of people is not the right way of doing business. They say it's a customer centric company and never bother about the customer problems, what sort of a company it is?. I'm going to close the account in few more day's shortly after paying the dues. USA's most useless credit card & service ever.

Charan.

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JMCockerham
Fort Lauderdale, US
Oct 01, 2014 4:58 pm EDT

In December 2008, my business was ruined by American Express
who had extended us unlimited credit, only to withdraw the credit without any
reason or warning. I lost everything—my retirement, life savings, my credit
rating and my home. Claiming “unjust enrichment” AmEx then suited me for the
unpaid balance.

I have been in court for 5 years trying to represent myself.
Finally I have a prominent law firm interested in the case and even a class
action suit. I need the stories of others that have been damaged personally or
in their business. It can be in the form of a letter, but to be considered as
evidence in the case, I need stories notarized as an Affidavit. (click on the
link below to see my affidavit.)
http://constitutionalinjustice.blogspot.com/2014/09/american-express-nightmare.html

Also, should you have any contacts, I need the media’s
coverage. Please let us know if anyone can help.

John Cockerham

allproelectric6445@att.net

[protected]

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EvilCreditors
san jose, US
Jul 12, 2011 10:12 pm EDT

I have posted prior and continue to read all this about Open from American Express designed to help your business with cash flow. OMG they are evil, they charge merchants for the points that they give their customer and do not tell the public whom is acutally giving the rewards, in return they pull you credit line from you for no real reason to their "va;lued" customer... They will sue you, they will damge your credit by lowering your credit lines and making you apear debted out, they will send you to three attorney and collection agencies for no given honest reason, I had one attorney put a negative reporting on my credit card whom hasnt even sent me any information then they play dumb to it. Thye hire people whom will nto discuss anything with you but threaten lawsuit and try to place a lein on your business. They are truly evil. I am suing them, tehy have caused me grief unlawfully and I will see victory in their nonscence business practice, they cause small business closures and are strictly evil.
BYCOT AMEX!
If your doing business with them, stop they will get the best of you in time these posting are all 100% honest on thsi forum!

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jpeo
US
Nov 13, 2009 7:20 pm EST

I've been a customer since 1993. We put everything on Amex, everything...so we run a high monthly bill on our supposedly unlimited charge card, around $6, 000 a month and up to $12, 000 with vacations. I got an email three weeks ago saying we had a limit of $10, 200 which, since I was about to make payment for that month, meant if we'd spent more then a couple of hundred dollars over two weeks on it, we'd go over the limit. the email claimed we'd get postal advice, which never came.. in the post i got advice THREE SEPARATE TIMES that they had removed our flexible payment option. an option i had never used, never asked for, had it foisted on me by evil Amex.
I have never missed a payment (they agree with me on that), have an excellent credit score... i am fighting with them every two days to resolve this. i sent them a 12-page fax of credit reports and their stupid letters and tonight told they haven't processed it yet...they've had it for one week. bad luck for us if we take a week to deal with them. i'm so over amex but don't want to cancel my card and damage my score... Class action--yes!

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fxdiva
US
Jul 11, 2009 10:09 am EDT

Hi All,
I had both business and personal accounts with Amex. All are in good standing. In October I experienced the same treatment from them by lowering all of my credit lines. I canceled 2 personal and 3 business accounts because of this. I have been paying down the balances on time each month since then. I received a call yesterday from an Amex rep. She told me that Amex was requesting that I make a payment that day to further bring down my amount owed. When I asked her why she told me that I had balances outstanding. I said yes but they are paid on time and based in Amex's treatment of me personally and my business I do not feel compelled to advance my payment schedule. Besides the accounts are closed and I have given my business to Chase. She began to tell me about the amounts Amex had extended to me in the past ($50, 000 +. This was paid in full over 2 years ago). I pointed out that that should have been their criteria when they decided to lower and stop customers credit lines. I confirmed that all of my accounts were closed and I told her that if and when the economy gets better Amex will never get either my personal of professional business. As for now, I will continue to pay down the balances but I will not over extend my financial situation to apese American Express.

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Iulian
Wayne, US
May 28, 2009 11:43 am EDT
Verified customer This complaint was posted by a verified customer. Learn more

Hi, I started a cause on Facebook called "Boycott American Express". Feel free to join and spread the word:

http://apps.facebook.com/causes/289806

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Happer
Wylie, US
May 09, 2009 8:58 am EDT

I have been with Amex since 1992, I have 3 cards. My costco true earning had credit line of $37500, it was reduced to $100.00 Only. I have perfect credit and last year alone I used this card for over $260K and paid it off. I have cut my Amex cards and now I say to everone, Please leave home without it.

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RP7
Sunrise, US
Apr 21, 2009 5:35 pm EDT

This is the letter I wrote AMEX and never received an answer:

"I heard once that a bank lends you an umbrella on a sunny day and asks for it back when the rain starts.
I spoke to your associate two days ago when I receive the call, he was very rude and told me that I had serious delinquency on my credit report. Yes, I do have 1 item from the University of Phoenix that was a total scam. It is paid for, it was paid 4 years ago. My credit score is over 720 and my wife over 750. We make over 250K annually and I did take this reduction personal due to the manner I was talked to. The kicker being that I just paid 13000 for a bill of 13000, I don't carry balances, maybe this is the reason you are so upset since you get no interest from me.

I use this card for business, but I will not user American Express any longer. My company *********** has 6 Platinum cards that we pay 300 yearly for each, I will close those accounts as well. I had another American Express with Bank of America and it has already been switched to a VISA.

Don't worry about my credit worthiness, you won't have my business any longer, as a matter of fact I also cancelled our account with my credit card vendor and as of Tuesday we don't accept American Express at my business as well.

Thank you for informing me though. It was very thoughtful of you.

Regards

RP

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Ari
New York, US
Apr 06, 2009 11:10 pm EDT

I 'm with AMEX since 1997 EXCELLENT credit never been late with them received a credit reduction letter in the last 4 months I was reduced from 27, 000 to 15, 000 and now to 8, 900 these ###s left me with a $ 300 open credit, in the eyes of a Bank it looked as if I'm maxed out, which means my FICO score is affected. AMEX is the most corrupt credit card Compamy all consumers should complain for their practises. I'm writing a very strong letter to FTC, my cousin has a friend who works for the New York Times, These ###s deserve all the bad publicity.

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disgruntledOkie
Oklahoma City, US
Apr 06, 2009 1:13 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

We have used AmEx Blue and gold cards for several years with $20, 000+ credit limits. We have carried balances in excess of $15K several times and paid them off in full over and over, NEVER late. We never pay the minimum $200-400 due... usually pay $2, 000 to $5, 000 at a time. We have excellent credit, just bought a new home, pay all bills on time. Husband got a big promotion and I received a good raise this year and we have "recession proof" jobs. When my AmEx Blue was declined yesterday while making a large purchase I laughed and told the clerk to try it again... declined again. How embarrassing! I put it on the Visa and told my husband. He called AmEx this morning and was informed that they have dropped our credit line over $10, 000 to just $200 over our current balance. They said "market conditions" were the factor. I pointed out our excellent payment history and the volume of business (and interest payments) we provide them. I asked to have a supervisor review this and was told it would be 90 days before they would reconsider. My husband is enraged and will pay it off and cancel the account entirely. They have already damaged our credit with the reduction of credit line, so we don't care if closing of the account is negative on our credit score. We can and will pay cash. Why does a company run off good paying, productive customers? Why drop us, but keep a customer who pays late fees but will default on the big balance as the economy tanks? AMERICAN EXPRESS IS IN BIG FINANCIAL TROUBLE. If I owned any stock in them, I would SELL IT NOW. We are cashing in all of our hundred thousand rewards points onto gift cards before they decide to close our account or go out of business altogether. I suggest you do the same!

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11:31 am EDT

American Express hardship blue card

Due to a surgical injury I was forced downsize and eventually close my business leaving an upaid balance of 36, 000 on a blue american express card which had a limit of 45, 000 at 8.9%. I wrote American Express CEO and SVP North America after 7 phone calls asking them to accept half the monthly payment at the same interest rate until I could settle my medical malpractice case. I lost $300, 000 in savings, RE that had to be sold but paid all my bills on time. Finally In January of 2007 I was forced to accept PA welfare to handle my medical bills, food and try to live on $204.00 a month. I provided AMEX with details of the filed lawsuit being handled by one of Philadelphia finest malpractice law firms, documentation from PA welfare. There is no hardship plan whatsoever, they insisted that I pay the $850.00 a month or made it clear I would have my 750 credit score ruined. I should add that I have continued to pay the gold card which as a very small balance. And I have been an AMEX customer since 1974 while still in college.
I pointed out that had I simply pulled out the remaining 10k on my credit line, put in the bank and paid the min. due no one would have cared. I did not ask for 'deal' but even the best prepared people with gold cards and assets are not immune to unforseen medical accidents. Beware of Mr. Axelrod, he has no soul and frankly gives the impression he could care less. Everyone of the rank and file was sure they would help me after 34 years and proof from the state of PA and my lawyers. NOPE.
I would like to use the internet to find others who have worked their entire lives to have their futures destroyed by AMEX .. I only asked for six months of help.
Why dont we all pitch in to buy a full page ad in the NYTtimes addressed to the stock holders of AMEX and the CEO. Your thoughts?

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Spendthrift Liberal
US
Aug 06, 2009 2:08 pm EDT

"No More Attacks", this had nothing to do with Obama -- the regulatory reform began under Bush and would have continued under McCain or even Hillary Clinton.

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Carolyn Mair
Aums, US
Jun 23, 2009 8:26 pm EDT

I agree completely with your complaint and with your assessment of our current situation!

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No More Attacks!
Pompano Beach, US
May 30, 2009 1:37 pm EDT

I have been with American Express for years and recently within 60 days all ego boy and his administration have done with their new legislation that they claim we are out to help you and protect you from them the bad credit card company rants have cost me to be attacked by American Express 3x's in less than 60 days!

First they cut my credit limit. Fine, never wanted it anyway. But thanks for dropping my credit score in the process. Let's see how this works. I don't ask for a credit limit increase but you increase it anyway. Then if I ask you not to do one you ding my credit score for that. I come out golden how?

Then they declined my card. They changed my no limit Gold card to a limit and told me it was not a limitless card. Did they really think I didn't know that? I had moved. My company gave me relocation money. I used the card and all of a sudden they call me on it? And I paid everything off like I said I would when it was due! Not to mention they screwed up my address change which also declined the card! Lovely story really. At Wal -Mart in a self check out lane with the machine yelling to everyone my card was declined. And why, because they screwed up my zip code in the Amex database! How many unemployed people are there right now and how many of their CS reps have a job that they can't even do it right?

Next is this month’s statement. My min. payment was increased by $100 with no notification what so ever. No change in my credit terms, finance charge, limits, nothing! So why the increase? They did it in order to help me lower my balance. Funny, I didn't know I had an extra $100 lying around. So they offer me a hardship plan. 0% for 6 months, then 6.99% the next 6 months with no use of the cards during that period and then I return to my fixed rate.

Do I trust them? Well how can I? In two letters they call me every name in the book, the first telling me that my Gold card is not limitless and the next where they berate me and drop my credit limit. But over the phone they tell me how great of a customer I am. I have paid everything on time and my Gold Card always paid in full! Two-faced much?! And oh, btw, here is an offer for our Open Card at our lowest prime + 4% but the rate is variable and the prime is 3.99%.

Wait. What? I called them on it and they stumbled on their words.

Here is the fun fact! I pulled my credit reports from the free service the gov't offers and it is spotless! Completely clean. And all those credit inquiries Amex scolded me on were from them! Oh and the one I had to have so I could move into my new place. Bad me for moving to take a job within my company to stay employed! And at a 21% pay cut at that!

And then the rep went on about too many high balances. I have 2 credit card balances and Amex is $33k and the other $2, 500. Wow! I'm horrid! Not to mention one school loan and another loan I'm paying off this month over a year early!

I've had it with them! The economy is not my fault! I didn't do anything wrong! And while they won't admit it to any of this, the new legislation is the reason for these attacks!

Someone tell me there is an attorney out there that is going to fight for our rights. Because all ego boy and his administration have done is send the credit card companies running and blasting every customer they have. And I for one am tired of taking hit after hit with no right to hit back!

I want to find the loophole that protects me from these attacks!

Everyone who voted for ego boy ... gee thanks. What you don't understand about him is all he wants to do is make the dependant more dependant and those who aren’t into dependants. It’s working. Just watch. It’s happening right before your unopened eyes! Here are two easy words that show you how he will accomplish this: Stimulus Package. Coffee served!

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Bill Stinebaugh
Nov 17, 2008 11:02 am EST

I have been a American Express card holder since 1975. I always paid my account in full every month. I was diagnosed with MS 5 years ago and had to sell my business, which was a third generation business, I can no longer run the business. Since that time all of my credit card debts have risen to the amount of $30, 000.00. American Express put me on a hardship case and lowered my intrest to 6% with the stipulation that if I did not have the funds to make the payment I call them 48 hours prior to the payment date. They were to automatically take the payment from my bank account. They failed to take the payment out of my account and took me off the hardship case. I called them and explained our agreement. They said they were sorry and reinstated me in the hardship case. This month they did the same thing again and have refused to put me back on the hardship case. I have had a perfect credit rating my intire life until my MS put a halt to my earning ability.The money stopped coming in but the bills kept on coming. If they would have kept their word I would have eventually paid off the debt. As it now stands they will not get another cent. No matter how hard you squeeze a turnip you will not get a drop of blood out of it.

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Hardship Blue Two
Oct 29, 2008 8:19 am EDT

My husband suffered a hardship aswell. He went out to do an injury and AEX closed his account and sent it to a Collection Agency(if you want to call it that). They called and harassed us and when we stopped taking their calls they contacted his parents and insisted that they are responsible and called us losers and dead beats and told us it was a fraud account and that we used my fathers SSN and all kinds of untruths. However we know our rights and are putting a complaint in against the Collection Agency and AEX for dealing with such low class company practices. My husband tried over and over again to work out a payment plan for the $16, 000.00 but they insisted payment in full. I totally agree we need to take a stand against them.

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4:19 am EDT
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American Express huge disappointment

Costco Amex card is a HUGE disappointment. I keep paying it off and they keep charging me finance expenses. I have had a credit card for 30 years and have never paid finance charges. I cancelled the card and still got finance charges.

I will never get a card from Costco or Amex again - I am very unhappy- it is a bait and switch game - I will go back to my trusted credit union. The bill got missed placed and when I found it I was a couple days late when I paid it. The next 2 months I paid it on time and still got finance charges, they never stopped until I cancelled the card.

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JJJmofo
BBBBBBBBBBBBB, US
Dec 29, 2009 1:22 am EST

Well, it all was your fault then. You misplaced the bill, was late to pay and now complain.

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9:02 am EDT
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American Express my account closed, but all bills were paid on time

I received a call today that all 3 of my accounts (including my business account) have been canceled. The representative said it was because of 5 returned payments. I asked what that meant because I've been paying my AMEX bills at www.americanexpress.com for the last 6 months with no problems. I go online, click the date for the payment, and hit send. Then the money is taken out of my bank account. I was not notified of these "returned payments" until 3 days ago when my card didn't work while I was buying something. I called in and they said I had a returned payment, and then they used the information I have online to send the payment and it worked.

So, whatever is making the returned payments disappears a few days later and the payments went through fine. The account has plenty of cash, so there's no way it was a problem with my balance.

This is some kind of computer issue that magically resolves itself and now they've canceled my accounts and I won't get a call back for up to 4 days since they don't call on the weekends and today is Friday.

The representative said there is no way to uncancel the accounts... This is absurd! I've been a customer for 15 years and have always paid my bill on-time and in full. And the business account was fine but they canceled in anyway.

They should have at least warned me of these issues before canceling my account, and they better compensate me for the 100, 000 miles that I have on the account.

Not only do I have to switch cards, but I have to update the records of almost a 100 online places where I buy things. Not only for my personal, but my business account too.

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Jesse Gilleland
Jul 15, 2008 6:39 pm EDT

They did the same thing to me. After a returned payment through a customer slow-paying me, they cancelled the whole thing. Both business cards gone, personal card SEVERELY limited.

They are driving business owners out of business.

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P
1:50 am EDT

American Express they put my card on hold for no reason

my name is patricia banks i have a american express credit card i got my card on 04/25 /2008 on 04/26/2008 they put my card on hold saying that i had to send in document to tem i told them if there was something wrong i would not have gotten this card this have to stop and i have written Senate Jim Webb And on monday 04/28/2008 i am going to talk to my congress in my state because this have to stop trating people like they are nobody i will not let them treat me lke this and if i have to go to the high court there is i will fight for my right. you can not get a credit card if you dont have good credit and they have to get your credit report so if my card is not of hold by 04/28/2008 i hope Jim Webb contact them by then.

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Kissamitakis
Huntington Beach, US
Feb 06, 2009 5:35 pm EST

No question about to why majority people don't have American Express. Too bad, the company is over rate themselves.

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Yogesh Ramesh Ghodke
Aug 20, 2008 4:05 am EDT

The Customer Care executive of AMEX - Mumbai, India has asked me the personal information, 15 digit card number along with the 4 digit secure number. What is possibility that he will miss use that information for online transactions after I have changed my password. How secure the password is as it is generated without special characters? In need advice on this. please help.

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EMG has defrauded me with $30K promising to advertise my online travel store. EMG disappeared after cashing the 2 convenience checks ($20K from Chase and $10K from American Express). I reported a fraud case to AmEx Fraud and Chase. Also, the case was investigated by Chicago Police Department where EMG was based and to Scotts Valley Police Department where I...

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American Express customer cheating

Hello Complaint Dept.,

I opened an account with Delta Sky Miles American Express Card (DSMEC) and was not informed that when I miss a payment, my account would be closed. I missed one payment in November 2007 and my account closed December 2007. My interest rate also increased very high.

The main reason I applied for this card in the first place was the attraction of the sky miles. I had not been with American Express for a very long time, but was accumulating sky miles. I knew I had a very important trip to take this February and was anticipating that the sky miles from this card would help. But I was not able to use the sky miles when I wanted to. I was informed that there is no way to restore the account. I am very upset and frustrated with American Express and feel like I was cheated.

Is there anything the government can do to help? Is this a way American Express or other credit card do to cheat customers? What can I do to stop this kind of scam from credit card corporations? .

Luka Yang

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John Lemec
Ann Arbor, US
Dec 10, 2009 7:16 am EST

I was promised promotional miles with Delta after first purchase. Even though the charges for the purchases are shown on my statement, the American Express customer service says no purchase has been made! Their promotional information specifies 25, 000 miles, now they say it should be only 10, 000 miles and it takes 8 to 12 weeks, once I make my first purchase that has taken place already but they deny. The spririt of Madoff is alive and well!

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12:00 am EST

American Express insurance fraud!

WILLIAM M. HARLEY
3016 HOPKINS COURT UNIT C
FORT MEADE MD 20755
Phone number: [protected]
Fax number: [protected]

I am requesting an appointment/complaint form in regards of American Express Processor CardPayment Solutions using Nigerians to steal from Americans using American Express products on a life insurance scam and I had the correct numbers on the checks when I called them in to the American Express fraud Department. I have it on a conversation recording at the local courthouse in Annapolis Md. that I did called and confirmed the numbers as required on American Express policy. I was charged with 5 counts of fraud and all charge was immediately drop after State Attorney Warren Davis [protected]) listen to my conversation with American Express Fraud Department. The American Express Fraud Department clearly told me all check was good. I notified American Express Fraud Department after I find out it was fraud and provided the all the information and they clearly tried to cover it up by replying back with different numbers and providing personal name (two) on they American Express cover letter that are not even employed by their company per American Express H/R. I inform the Maryland Attorney General and they forward it to the FBI over 4 months ago. When I spoke to the FBI on the status, they clearly stated that $5000.00 was not enough money for them to go after overseas. I clearly have the person handwriting of this person who sent this fraud material to me from CardPayment Solutions FEDEX account. This fraud material was sent 100 miles away from the CardPayment address as Chris Curry (CardPayment employee) would not give up there location. I have this in writing from FEDEX. I am a retired military (20 years) who have use American Express all over the world and I feel this is a disgrace of this company that is a international company who does not stand by their word and somebody need to step up and stop this now. Several website went up doing time frame when I got scammed requesting for information of this fraud activity and I clearly have all of them and the system is clearly not set up to stop them. I have informed every agency that is required and nothing has been done about it.

I am humbly requesting that you investigate this issue on my behalf. I would gladly send you all the evidence if you request it. If you like you can contact me at anytime at number listed above. Thank you very much for your time and cooperation pertaining to this matter and please have a wonderful day.

Sincerely,
William M. Harley.

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Lisa
Las Vegas, US
Feb 07, 2009 11:57 am EST

On July 22, 2008 I used my Amex at a local restaurant, Kennedy in the District, Las Vegas Nevada. I joined one friend for appetizers. My bill was 109.00 including tip. When I received my Amex two weeks later I had two separate charges on my account. One for my legitimate charges of 109.00 and another separate charge of 509.65. As a 17 year customer of Amex I've never had this happen. I immediately called Amex and reported the mistake/fraud. I was assured that the fraudulent charges had not been paid to the restaurant and they would investigate. They also explained that it would take 90 days. 30 days later Amex sent to me a copy of both receipts. Unbelievably, the fraudulent receipit had 46 cocktails, 25 appetizers and 20 beers, the signature on the receipit was a big letter "J". Our waiter Jose had also given himself a 60% tip. And guess what? Anerican Express determined that was my charge and I would have to pay. Their reasoning: "I had given my card to a service establishment so any charges on my card would be mine to resolve. I immediately tried to contact some type of manager with Amex and was given the same answer by a customer service representative . The charges stood. I was able to obtain a name of the SVP of Consumer Relations. Doria Camarazza. I wrote a letter to Ms. Camarazza explaining exactly what had happened and would love to be able to speak with someone that actually had seen both receipts. Her response to be was to immediately close my account and submit my balaInce due to a collection agency. This had been a complete nightmare. In researching the Mission Statment for American Express it states that they will never charge the customer for fraudulent charges. So..my question is can American Express "break" their own policy and am I liable for charges not made by me. I have not cooperated with the collection agency hoping that I can resolve this with American Express and not have this type of issue on my 720 credit rating. Just this morning I was served with a Judgment. I'm in a state of shock that due to the economy Amex has taken the stand to immediately "stick it to" their loyal customers. As I previously stated I've been a perfect customer for 17 years, never once late on my billing. Obviously I'm not alone with suffering from the use of Amex. I would love the opportunity to speak with a representative from Amex. Email: leahsmom@yahoo.com

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Chuck
Bridge City, US
Jan 27, 2009 9:16 am EST

To: American Express From: An angry Customer On December 30, 2008 I spoke with an American Express representative. I re-explained that I was In a National Disater Area due To Huricane Ike. This was the reason I was behind on payment. I explained I had spoke with someone after the hurricane and was informed that they will allow me time to recoup from the disaster. I had 3 feet of water in my business and lost everything due to the storm. I explained that I wanted to pay around $6000 towards my account to catch it up. She advised me to pay off the line of credit and enter into a payment plan with the Business Gold account. I was informed that she could set it up on the auto pay system and it would autumaticly be deducted from my checkings account. I paid off the line of credit with conformation # 52860 and paid $390 towards the Business gold card conformation # 55350. I was told that $390 would be automaticly deducted from my checkings on the 7th of each month for one year. It was my understanding that it was taking care of for this time period. Now I have a a collection agency calling me and your coustomer service telling me they have no information of this account. I need to call the collection agency and they will not let me talk to their supervisor or direct to someone that can help with this matter. I am very dissapointed in the way this has been handled and I would like an explanation of this. Is there anything that can be done about this? I was told last week by a coustumer servece representive that they would check into it and call me back. No response? I called back today and they treated me with no concern and would not help me with this matter? Email:Chucksterling@yahoo.com

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jasmin
Dec 03, 2008 9:01 pm EST

Amex is trying to cheat its card holders by taking away their cards for no reason and taking away their points. They need to be stopped . They are damaging people's credit scores, causing service interruptions and in many cases elderly abuse.
Please contact me if anyone has been abused by Amex in this manner. ssa1169113@aol.com

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Darryl
Oct 31, 2008 6:46 am EDT

I have been an american express customer for years, always paid my bill on time and never charge to much i could not afford to pay. I have a nice credit limit, I happen to call American Express to inquiry about a balance transfer, at that point I was told my limit was reduce to 800.00 what a joke, whats the point of having an Amex Card with a 800.00 limit. I was told a letter was sent, this is a lie, I never rec'd a letter until after I called. Here I am walking around using my Amex Card thinking that I had a high limit when in fact it was reduce to nothing.

I can't believe companies will treat there customers who pay there bills on time this way, I got a recent letter telling me that the decision will not be reversed. So I'm writing a letter to the CEO Kenneth Chenaurt.

It seems we all have been a victum of American Express and this should not be allowed to continue. We must a consumer bring a class action suit against this company, bring them to there knees because without cardholders they will not exsist we have the power to do this.

I am sick and tied of companies bending the consumer over and sticking it to them, acting as though they are high and mighty, well lets show them who has the power and bring this company down and make them put back our credit limits.

This has got to stop, and it stop here right now, today not tomorrow, not next week but now.

We need chat room where we all can meet and discuss this and we can create that chat room in AOL, i would assume everyone has a computer and access to AOL. I will be checking back on this site for an comments or email address to contact anyone

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American Express fraudulent interest rate!

Wrongful charges, deception and interest rate fraud. Violations of Truth in Lending Act, 15 U.S.C.A. 1601, et seq; - Violation of Bus. & Prof. Code 17200, et seq. - 'Unlawful' Business Practices (TILA), - Violation of Bus. & Prof. Code 17200, et seq. - 'Unfair' and 'Fraudulent' Business Practices; - Breach of Contract, - Breach of the Covenant of Good Faith and Fair Dealing; - Violation of Bus. & Prof. Code 17200, et seq. - 'Unlawful' Business Practices (Fin. code 22302).

Amex raised the interest rate from 8 percent to 30 percent with no notification. I paid the minimum payment which was the same in the prior months and was billed previously. AMEX charged a fee for non-payment because the payment was not enough to cover AMEXS new added amount to the bill. I stopped all payments immediately. AMEX marked my credit as a bad debt payer without solving the problem.

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WILLIAM MICHAEL HARLEY
Jan 14, 2008 10:07 am EST

WILLIAM M. HARLEY
3016 HOPKINS COURT UNIT C
FORT MEADE MD 20755
Phone number: [protected]
Fax number: [protected]

ATTN: WEBMASTER@AMESUX.COM

I am requesting an appointment/complaint form in regards of American Express Processor CardPayment Solutions using Nigerians to steal from Americans using American Express products on a life insurance scam and I had the correct numbers on the checks when I called them in to the American Express fraud Department. I have it on a conversation recording at the local courthouse in Annapolis Md. that I did called and confirmed the numbers as required on American Express policy. I was charged with 5 counts of fraud and all charge was immediately drop after State Attorney Warren Davis [protected]) listen to my conversation with American Express Fraud Department. The American Express Fraud Department clearly told me all check was good. I notified American Express Fraud Department after I find out it was fraud and provided the all the information and they clearly tried to cover it up by replying back with different numbers and providing personal name (two) on they American Express cover letter that are not even employed by their company per American Express H/R. I inform the Maryland Attorney General and they forward it to the FBI over 4 months ago. When I spoke to the FBI on the status, they clearly stated that $5000.00 was not enough money for them to go after overseas. I clearly have the person handwriting of this person who sent this fraud material to me from CardPayment Solutions FEDEX account. This fraud material was sent 100 miles away from the CardPayment address as Chris Curry (CardPayment employee) would not give up there location. I have this in writing from FEDEX. I am a retired military (20 years) who have use American Express all over the world and I feel this is a disgrace of this company that is a international company who does not stand by their word and somebody need to step up and stop this now. Several website went up doing time frame when I got scammed requesting for information of this fraud activity and I clearly have all of them and the system is clearly not set up to stop them. I have informed every agency that is required and nothing has been done about it.

I am humbly requesting that you investigate this issue on my behalf. I would gladly send you all the evidence if you request it. If you like you can contact me at anytime at number listed above.

Thank you very much for your time and cooperation pertaining to this
matter and please have a wonderful day.

Sincerely,

William M. Harley

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12:00 am EST

American Express no consumer protection!

We called American Express about a transaction with Royal Holiday (Travel Experience), a Mexican timeshare company. We canceled our contract with Royal Holiday within the 5 day time period allowed. We heard nothing from Royal Holiday, except too bad we have your money. We then contacted the Mexican Government which required Royal Holiday sign an agreement agreeing to refund our money and cancel the contract. Royal Holiday sent us one of the four payments required. We requested American Express to credit our card for the remaining money due.

Dealing with American Express has not been much better. Our initial contact with American Express was great, but then the case is then sent to their disputes department. We were promised a call from the disputes department within 48 hours. We have called American Express multiple times and each time they make the same promise ,we will call you back in 48 hours. It has been 8 months now and we have yet to get a call from the American Express disputes department.

We have sent them numerous letters outlining all the points of our complaint. They have not addressed any of the issues and send us back a form letter saying they have spoken with the company and can do nothing.

I have asked them why they deal with a company like Royal Holiday that has thousands of complaints on line and F rating with the BBB. I have yet to hear a response.

It would seem to me that American Express is a willing partner in fraud with their partner, Royal Holiday. It seems if a company is large enough, American Express is willing to look the other way on fraud.

American Express has a copy of the agreement between the Mexican Government's consumer protection unit, Profeco and Royal Holiday acknowledging that Royal Holiday has agreed to cancel the contract, yet they still have failed to respond.

If you believe American Express's propoganda, that you are protected with American Express, think again. When it comes to travel protection leave American Express at home.

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LL Kool Jay
Baltimore, US
Feb 27, 2012 12:55 pm EST

Amex Customer Service is a joke and their operation seems like scam. My aged inlaws were hit with a Costco membership through Amex and it took several letters just to close the Amex Account but they still have not removed the bogus charges. Whay would anyone use Amex when a regular credit card is much better and offeres extended payments. Their fees are huge and rewards program a scam. They offer many incentives but in the end deliver very little. Ours was for air travel mileage, but the restrictions were so great that using the points was practically impossible. BOYCOTT AMERICAN EXPRESS they are a sham company

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Greg Thompson
Fort Lauderdale, US
Jul 17, 2010 6:28 am EDT

I have to disagree with this conversation thread. JD Powers has awarded AMEX best in customer satisfaction for 3 years straight. Not knowing the actual details of the time-share issue, please remember that a time-share includes a legally binding contract between two parties. A credit card company is simply a billing agent that authorizes payment for the agreement between the parties. A credit card company is not in a position to void or alter a contract. The only recourse the 3rd party would have would focus on either a clear written misrepresentation of the product sold, or if the cancellation was done as stipulated within the terms and conditions of the contract. If the contract stated a 5 day cancellation period, it probably also stipulated a method of cancellation, such as written cancellation via registered mail or other method of validating the cancellation date. Remember, anyone can type a letter and put a date on top of a letter, but without some proof it was mailed within the cancellation timeframe, a 3rd party billing agent would have no recourse to reverse the charge. I have been a AMEX cardmember since 1979 or 80, and have to say that with all the credit cards I carry, I would use my AMEX Card with assurance of a certain level of protection, before I would use any other I have. My question is, what level of protection would there be in paying cash, check card, or check? Again, I'm not a professional in the area of the subject matter - just offering an opionion on the subject from a consumers perspective.

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Jay
Oct 08, 2008 9:39 pm EDT

Boycott American Express as they SUCK. Try a FREE, no annual fee card at your local credit union. You will save a ton of money and get much better service.

Have you ever tried to complain to anyone in customer service at A.E.? Can't be done. Complaints are handled by letter. You can not speak to the executive office, the executive secretary, the executive secretary's assistant, etc. So don't even ask to speak to someone with authority. Simply put your concern in writing so they can throw the letter away.

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12:00 am EST

American Express harrasing phone calls

I was late one month on my American Express, and the next month I received a phone call from their law department demanding the full amount. The lady on the phone was so rude, and said if I didn't pay the full amount at that moment I would be taken to court. I hung up and tried contacting customer service, and they said they could not do anything about my account. The same lady from the law department called me 10 times in a row, and left harrasing messages. In one message she stated that if I didn't call back to settle this matter I would be sorry. I had to pay the full amount for 30 days past due, and no apology was given to me for their representatives behavior. After I paid the full amount I was still receiving statements for finance charges and late fees. According to them it was from previous month fees. This was very unprofessional of them, and was very shocked at the way American Express treats their customers.

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american exprss hater
US
Jun 15, 2012 4:34 pm EDT

I am having a similar experience. The problem I'm having is that I DO NOT have an american express account, Nor has anyone ever had permission to use my checking account to pay a bill. Three months ago my checking account was overdrafted by american express because they inputed the wrong account number and credited someones card. I have been on the phone with AE and was told that it was being investigated and I would be refunded by May 31, 2012. Here it is the middle of June and all they can tell me is that they have determined the account my money was posted to. But will not tell me when I'll get my money back. At first they refused to help me because I told them I didn't have a AE account. Now all they keep saying is the accounting dept will contact me. I have threatend legal action because all they do is give me the run around. No one has called me and when I call I'm given a different date of when the case will be settled.

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Sandra Rita da Silva
BR
Jul 09, 2009 6:39 pm EDT

My name is Sandra Rita da Silva and I am from Brasil. I would like to complain about the treatment that I have received when I tried to obtain a present that was my right (bonus program). This took me several hours speaking with their employees on the fone and on
the computer, but I could not have success. I think they are trying to deceive me.
My email is sandrapelii@gmail.com . Could someone help me?
Thank you in advance

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melbourne
Melbourne, AU
Oct 09, 2008 6:09 pm EDT

One of the problems with American Express is the way they apply payments. I have been with the company close to 20 years. I am lately regretting it. I normally charge about $3000 every month (gas, groceries, everything) to the card since I pay it every month. Well, last month I got a $15.00 charge denied. I called the company, and I was told that because I "had been late" for 12 months, they had flagged my account. "Late for 12 months? What are you talking about? I always pay by the due date on line". It was explained to me that when the bill says "Pay By" or "Due Date" that such is not so. If you pay that day on line, the payment does not post but until 24-48 hours, and therefore it is technically "late." Thus, paying on the due date on line is worthless! I told this to the representative, and all I was told is that such is the way it is, take it or leave it. I left it. Now I have a Diners Club Mastercard that serves the same purpose.

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12:00 am EDT

American Express useless checks or bank?

I tried to cash $40.00 in travelers at a Citi Bank in Santa Clara CA. As with Tim the teller asked if I had an account at that bank. My first question is why would I be cashing travelers checks there if I had an account there? My second thought was that one gets travelers checks so they simply counter sign them. I had already cashed a number at local businesses with no problem. To make a long story short I had to provide a health card (photo), drivers license (photo) & a credit card along with my finger print. The teller had me counter sign,sign the back& print my name in the place for the check casher to put their name. I told her that was wrong but she insisted. I should have left but I had some time & wanted to see what would transpire. I finally received my $40.00 after 23 minutes. Either American Express checks are useless or Citi Bank is the worst financial institution on the planet. I can guarantee you that was my last dealing for whatever reason with Citi Bank.

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steve jones
Oct 08, 2008 11:00 am EDT

With Chuck "the buck" Prince heading this organization
(since fired) you don't expect any help do you?

Some of you have had your traveler's checked cashed.

Try cashing those overseas...you will go hungry.
I do not know what the problem is but I can only guess
that Citi does not pay their bills and as such has no
counter-party agreements with American Express?

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Muhammad Faizan Akhtar
Jul 11, 2007 5:30 am EDT

Asslam O Alikum,

Its Muhammad Faizan Here from Multan, Pakistan, I have a Complaint Against CITI Bank (Gol Bhag Branch Near to Pizza Hutt) Gulgasht. I went to CITI Bank to Open an Account. Their Staff is Mis Behaving & Mis Guiding To Customers. Today i went to CITI bank again and The Banker started Abusing.

The staff is Totally Not Qualified, They Don't Have any Informations. Very Rude Attitude.
Total Disappointing.

Regards!
Thats All

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12:00 am EDT

American Express very unhappy with the service

I was very much unhappy with their service. About a month ago, I was shopping in a local telecom service center for a mobile phone, but my American Express card got error all the time. I didn't owe them a penny and was wondering what's wrong with it. After calling to American Express, and after 15 minutes stand-still in the shop with a dozen eyes on me, I got a reply that it's just their system error.

Now, I got their statement to charge me for the annual fee which I do not think they worth it, I told them just to cancel my card as I seldom use it. They do not apologize nor try to convince me to use it, try their service again, the customer service officer only said that should I cancel it now or in month end?

Could we call this a service?

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ejol
HK
Jul 04, 2013 11:22 pm EDT

Totally agree - American Express HK is completely separate to Amex anywhere else in the world, and should not even be allowed to carry the same name. Expect this type of terrible "service" from them if you sign up. They stopped my account on several occasions as I had allegedly gone over my limit. However, on chasing up with them, it emerged that someone had in error charged me amounts way over my limit. American Express did NOT notify me of this irregular transaction (despite signing up for alerts), aside from the fact they let an amount way over my limit go through, and took over 3 months to investigate the issue. I had to chase them at considerable roaming costs, time, stress, and effort as all this occurred while I was travelling overseas. They did not reverse the charge while I was traveling so I could use my card, and they continued to try and charge me late fees while I was chasing up the issues, an issue that made the issue even worse.

American Express Hong Kong is short-sighted, has no business sense, and the worst card I have ever used in my life. I ended up closing both the Platinum and Cathay Pacific Elite cards, as they were neither Elite, nor Platinum. The health insurance and travel assist is non-existant or sub-par, they charge around $1600 per annum per card (however, I heard that this can be easily waived with a phone call to them as they obviously know they are so terrible). They could not care less about the customer.

They could really learn from some of their overseas counterparts on how to run a credit card company - it is a shame that Amex HK even has the American Express name - terrible, terrible, terrible... stay away!

In response, no, we could not call this a service.

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12:00 am EDT

American Express american express very poor service

Living In Thailand, I have been a faithful American Express personal card member (no. [protected]) with good credit record for several years. Since the day I got the card I have paid my bills in full and never missing the payment.

A few weeks ago I received many phone calls from the Financial Review Team of American Express to force me to send more bank record. I said I was inconvenience to send the required document at that time and would do it a week after. However, I did not understand why they were asking this of me since I have been such a good customer and did not want more credit line. They always kept saying this was a new AMEX policy. The day later, they made annoying phone calls 3 times a day nagging me to send that document with very impolite tones and also threatened to cancel my card. This experience was very disappointed. I did not believe those words were from the world premium credit card company! Then, they quietly did it for their own personal pleasure without informing me in advance or signing something and were very happy when knowing that I had lost my face because of the card rejection. Can you believe this is how one of the top class credit card providers treated their own good customer? Sending a cancellation letter/fax/email or a phone call to their own customer may be too hard job for Thailand AMEX staff to do!

I do not care about cancellation since I still have several good choices to use as KTC mastercard, a very famous domestic card company in Thailand, particularly “Titanium I AM” which offers more attractive benefits, better service with no annual fee but touching the very impolite experience of AMEX is unbearable. Believe me that will come to you very soon if still being AMEX member .

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huffstet24
potomac, US
Mar 31, 2009 2:55 pm EDT

send a message to obama, contact the better business bureau, and post stuff throughout the internet. lets all be heard. they are pulling this ### on a lot of their lower end customers

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NPP
TH
Jan 29, 2009 9:29 pm EST

Amex Thailand mislead their customers, or should I say made an outright misrepresentation and lie to their card holder customers. The Amex staffs always give reaffirmining statements that the Platinum cards have no credit limit. I believed them for over ten years, only to find out that there actually are credit limits to all Platinum cards. Do you want to do business with people that lie to you? Why should you pay the B20, 000+ fee when other cards of equal stature are begging you to subscribe for memberships for free? They completely forget that fundamental to all business dealing is "trust". They make people feel "shame" to be holding Amex cards.

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john drake
Jul 17, 2008 3:35 am EDT

Jason Freeman demanded tax records or my cards were suspended after years of prefect payments on time.

Screw him and his "team".

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Kiat
Jul 01, 2008 9:10 am EDT

I agree with you. It is good that consumers voice out. So that we can expect a better service from these companies or other customers can be aware of what the products or services they will get from the company if they would become their customer. I got very unprofessional service from Amex when i want to apply their card. I sent application for 2 months, no one followed up. I followed up them, and they said they needed more documents from me (but they did not contact me for). I sent them and it took then another month. I followed up again. They said the new form was in place now. They need me to sign in the new form (the credit bureau permission form) and send again. I made a note in the form that unless it worked this time. Forget it, please cancel my application. And they come back to me after few days that they need a clean signed form. I need to sign a new one for me. I said 'Forget it', it took me too much effort to become your customer while I did not see and receive any effort from the staff. How can the application of a credit card take me that few months time and lot of efforts. As you said, i have a lot of other excellent choices from other companies. I don't know whether the management, marketing, and corporate affair team of Amex are aware what a waste of effort and money putting good advertising, corporate PR, and promotion activities while you have such a poor customer service team. By far, you are behind your competitors.

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Today I receive a call from Alexander Cidimoco of Total Credit Recovery in behalf of American Express. He is a manager from this collection agency and was demanding payment immediately or he would contact my employer and anyone else he knew from the bank I worked for. He had private information regarding my employment even how much I got in my bonus thi...

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American Express incredibly unprofessional and poor service!

I started an account with American Express in December. American Express Customer Service called to get confirmation of my Employer (a fortune 500 company) that has been in existence for over 100 years! On the first call, I gave her my work phone. She then told me she needed a receptionist number who will connect her to my phone. After 3 calls, I was assured that everything was in order.

The next day, I received another call asking for confirmation of my home address. Together on a conference call, we called my bank to confirm banking information and home address. Again, I bank with a very well-known bank. At that time, I was told everything is in order, and I have been approved.

After making 3 charges, my card was rejected at all places. When I called American Express Customer Service, I was told that they needed to confirm my employer because there was nothing in their system showing the 3 calls made and also banking and address information. The service I received was incredibly unprofessional and poor. They had not cared if I canceled the card.

To top it off, on my last attempt to correct this situation, I was told I had to fax a copy of my driver license and social security card notarized by a bank.

I just paid off the amount. I have never encountered a company who is so segregated by department that one department is not authorized to help another. I have been a faithful American Express customer for the last 10 years through my use of their travelers’ checks and services abroad. But, this experience is most disappointing.

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BND
Nov 18, 2008 8:53 pm EST

I have had a personal amex blue account for several years. Recently, l I called them to set up a special payment plan to accomodate our financial situation of late. My husband is an outside sales rep. His pay has decreased due to lack of sales. I still have the person's name and extension I spoke with. I set up pmt to be deducted from my personal bank account on the 30th of every month for 1 year. The Sept. pmt was deducted. However, Oct. pmt was not. I realized it when collections called my cell phone to advise me the acct had been turned over to them. I tried several times to contact the csr. I left numerous messages for her to return my call. I spoke with other reps who stated that pmt could not be automatically deducted. They stated it was up to me to call and make a phone pmt by the due date. I finally was able to speak with a supervisor, Craig Schaffer (if that's his real name). I was absolutely attacked verbally over the phone . He stated "Katy did not tell you that and we are done dealing with you." (and turned the volume up about ten fold! ) I then requested to speak with his boss. He then stated, "why? you aren't going to change anything." I asked 4 times in a row to speak with his boss. He wouldn't allow it. I requested the name of his boss. He would not give me the information I requested. My rights have been completely violated. I did nothing to deserve any of this. I'm trying my best to do the right thing in a very difficult time; they made a mistake; and they do not plan to make it right. So, I now have a strike against me on my credit report due to Katy's mistake of not entering the info or giving me false info. I have contacted the credit bureau to inform them. Mr. Schaffer was trying to intimidate me into thinking there was no way this could be reversed. The very idea that he stated "we are done dealing with you" was absolutely the most hostile statement I've ever received from any customer service rep or manager. All of my creditors were more than happy to accomodate me due to the fact that I was attempting to avoid having any delinquencies. In the meantime, I've had no choice but to set up payment with collections.

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noname
May 03, 2008 6:01 pm EDT

Take this then ...

Upgrade an AMEX from GOLDEN to PLATINUM, the software will automatically cancel the Golden one if you have no debts and that's all. They didn't re-compensate back the money you already paid at the beginning of the year. In my case I paid in July 2007 130 for Golden Amex ( one year fee), in Jan 2008 I applied for Platinum based on the forms they send me, I never used Golden but only today May 3-rd 2008 and to discover that the payment was refused, I payed by debit card and when I get back home I called them and find out what is wrong with the card. I ask them WHEN and WHO canceled the card .. THEY DID, WHEN they canceled ? .. IN JANUARY, it means that I paid 130 for a year they own back me the amount between Jan and Jul ( around 65$ half of the year). In the phone conversation I get the money with no resistance from AMEX which proves that they recognize their mistake, but my next question was why your software didn't do that automatically ... Hm it is easy because foolish my loss and them win free money. ... ok but how much per year, If a million switch a year they win in average 65 millions, ( I consider that some might do that at the begging of the period some at the end so it is and average).

I do not think this is fair either. ... and the authorities should force them to refund the money back.

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Kris K.
Mar 29, 2007 5:58 am EDT

American Express canceled my cards after being a loyal customer for 20 years. Upon learning of the cancellation I immediately contacted AMX and was told to bring my account balance to zero and they would reinstate my accounts. I paid the entire balance on three AMX cards totaling nearly $40,000.(within 30 days) One of the three was not canceled. I contacted AMX after paying balances to find out why the accounts were not reinstated and was informed the account supervisor that made the arrangement with me was not available and should not have authorized the reinstatement. I have been a loyal customer for 20 years without any other issues. Amx should honor their agents commitments to their customers. I acted in good faith with a company I deemed trustworthy.

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American Express high interest late fees problem

I have been sent to a collection agency to collect what i owe American express my account has been closed yet American express continues to hit me with high interest late fees and over limit fees. The amount sent for the collection agency keeps changing and no one from American express will talk to me about stopping these charges. Most credit card companies when sent to collection agency will stop all charges and collect only the debt owed at the time sent to collection agency. People beware of American Express.

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SouthernKudzu
Atlanta, US
Mar 01, 2011 2:23 pm EST

I can varify this persons complaint completely. I too came across hard times and have a balance that I've been paying on at the rate of $1000 / month. Yet AMEX is charging me $200 / month in fees and refuse to work with me on this. Once paid in full, I will never use another credit card again. I can pay myself $1000 / month and save enough to have plenty of spare cash in the future and not owe anyone anything. I HATE ALL BANKS!

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Evonne Pratt
Mar 08, 2008 11:57 pm EST

I want this ### canceal

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I am a gold card member since 1964 for the last 6 months my A.E. gold card account has been less than 1000.00 per month. When I tried to charge a cruise cost 6050.00 to my card A.E. refused. A.E. claims only the last 6 months constitute the history to determine A.E . card credit. Previos balances were averaging 3 to 4 thosand a month. This has been the case...

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About American Express

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American Express is a globally recognized financial services company that has been in operation for over 170 years. The company is known for its credit cards, charge cards, and traveler's checks, which are widely used by consumers and businesses around the world. American Express has a reputation for providing high-quality customer service and innovative financial products that meet the needs of its diverse customer base.

One of the key features of American Express is its rewards program, which offers cardholders a range of benefits and perks, including cashback, points, and miles. These rewards can be redeemed for travel, merchandise, and other valuable items, making American Express cards a popular choice for consumers who want to get more out of their spending.

In addition to its credit card offerings, American Express also provides a range of other financial services, including personal loans, savings accounts, and investment products. The company has a strong online presence, with a user-friendly website that allows customers to manage their accounts, track their rewards, and access a range of other financial tools and resources.

American Express is committed to providing its customers with the highest level of security and protection, with advanced fraud detection and prevention measures in place to safeguard against unauthorized transactions. The company also offers a range of tools and resources to help customers manage their finances and stay on top of their spending.

Overall, American Express is a trusted and reliable financial services provider that has earned a reputation for excellence in customer service, innovation, and security. Whether you're looking for a credit card, a personal loan, or other financial products, American Express is a great choice for consumers and businesses alike.
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Overview of American Express complaint handling

American Express reviews first appeared on Complaints Board on Sep 21, 2006. The latest review Mixed Customer Experiences with American Express was posted on Mar 26, 2024. The latest complaint refuse to reserve the emergency credit was resolved on Jul 16, 2014. American Express has an average consumer rating of 2 stars from 471 reviews. American Express has resolved 145 complaints.
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  1. American Express Contacts

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    200 Vesey Street, New York, New York, 10285-3106, United States
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  6. Janet
    Checked and verified by Janet This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Jun 13, 2024

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