New York, New York
United States - 10285-3106
*update to my 11/16/08 complaint report *****consumer warning***** Amex travel related services, co. inc...
My husband has been a member with American Express since 1993. In the last two years we have spent $3, 000 a month on the card and before for that more like $800.00 to $1, 000.00. Of course we would pay it off each month. In May 2008 my husband was laid off. We were still making the payments. When August came and he'd still had no luck getting a job so we'd called up American express and spoke with them about how we'd reached hard times right now. They set us up in their CARE Program and the agreement was to pay $410.00 each month for a year till it was paid off and our account would be reinstated. That was August 14th. We than paid the bill each month after - Sept. 11th, Oct. 10th and Nov. 10th.
Come November 15th we'd received a letter from AMEX stating that we hadn't paid our bill and if we didn't it would be sent to collections. We called American Express and the rep stated that it was a system error but that we would have to make another $410 payment. The rep also stated that the payment would drop when he re-enrolled us in it again it would be about $200. We would still have paid the $410 though. We told the rep we did not have the money to make another $410 payment since we'd just made one. Rep stated that it was OK to make the payment come December. November 18th comes and we get a call from a collections agency stating that our acct had been sent to them.
My husband called AMEX and they cold transfered him right over to collections. On 12/03/08 he called again and they stated that they were unable to assist him because his acct was in collections that they would transfer him to collections. My husband refused to be transfered and the rep was unwilling to help so my husband hung up the phone. So I immediately called AMEX. I spoke with rep id# 85970 in Manila and immediately asked to speak with a supervisor. Rep stated that I would have to tell her whats going on, so I told her the story. The Rep then proceeded to tell me that her supervisor refused to speak with me. I also heard her floor supervisor speaking to her in Filipino which I know is NOT OK. She than tried to warm transfer me to Account Services but she got back on the line stating that Account Services refused to speak to us as well. Finally after over an hour of being on the phone she transfered me to a Supervisor (I'm assuming). Supervisor became very agitated when I asked for her name and rep id; trying to ignore the question. Her rep id# NOVB815 which I have reason to think that is not even her id#. Oh and she is also in Manila. She placed me on hold for 15 minutes right after she'd received my call than came back on acted like she couldn't hear me than stated "oh, just a sec, just a sec" and placed me back on hold. Then came back on and quickly mumbled something. I asked her to slow down and she stopped and asked to speak to my husband. I put him on the line and she told him that they saw where we had been making our payments and that some one will give us a call back later that day (Dec 3rd, 2008). I told my husband to ask for a case# or a commitment date and she said there was no such thing. No one ever called us back!
We've wrongfully been sent to collections!! We spoke with a gentleman from the 3rd party Collections Agency and he'd stated we're not the only ones this has happened to. He said that it was showing our account was flagged to be able to get another credit card with them after we paid this one off. Does that even make sense? That they would want to give us another card if we weren't paying our bill and "had" to be sent to collections??? THERE IS NO WAY I'M GETTING ANOTHER CARD WITH THEM!! They will either fix this and allow us to keep THIS account OR nothing at all. Our credit is immaculate and there is no way I'm OK with wrongfully being sent to a COLLECTIONS AGENCY!!!
I'm at a complete loss... I don't know what to do. Maybe I will take it up with the media. They talk about things that aren't even news and this to me is more news than many stories I've seen lately.
My husband and I received 2 American Express gift cards for our wedding from his boss at work. Both were $100 in value and purchased at a local Wawa.
The very evening we received them, my husband opened one of the gift cards up to find that the box had been slit on the side and the gift card was missing. He immediately called American Express to inform them of the missing card in order to have it replaced. They said they would note the complaint and we would receive a phone call within 5 business days. After a week passes, we still never received a call.
My husband calls a second time and discovers that they have NO RECORD of the first call. He gives them the information again, and once more they tell him that American Express will call him within 5 business days.
We got married and went away on our honeymoon for almost 2 weeks without hearing a thing from American Express. My husband calls a third time, and the employee on the other end tells him that he needs to send in the receipt for the gift card purchase. This was GIFT! We didn't buy the card, it was given to us. My husband is not tactless enough to ask his boss for the receipt for our wedding gift because the card had been stolen in the store. If American Express was competent enough to have recorded the first complaint, hours after the card had been purchased, perhaps we could have had it replaced. Instead, we spent a month trying to resolve the issue and got nowhere.
I feel terrible that my husband's boss gave us a gift that went to waste because American Express lacks proper customer service.
We did not receive a replacement card and $100 was probably spent by the thief who stole it in the first place. We will never purchase American Express gift cards for this very reason and I canceled the credit card I had with them.
Don't reward your customers with AMEX gift cards. They will curse you for it.
I had 2 amex gift cards which expired and AMEX isnot willing to re-activate my AMEX GC. Each time I got a new 800 number to call. Basically I am out of $50.
I am a happy customer with their Credit Cards but their Gift Cards suck.
I am wondering if anyone else has had the following issue. Every month, when paying my first of the month bills, I schedule my payments for my green card and optima online on the american express website. For years I have never had an issue. Then a couple of months ago for some reason my payments didn't post and American Express claimed no record of the payments. I was able to call to immediately pay and since this was my first 'late' payment in 15 years, they were willing to remove the late fees and the 14% increase in my optima interest rate. For the next couple of months out of sheer fear of the same thing happening again, I didn't schedule payments and instead went ahead and paid until the month of October. I scheduled payments to be paid on the due dates for both of the cards at the beginning of the month. In the middle of the month I decided to pay my green card off in full, so I deleted the scheduled payment for my greencard and paid the balance in full that day which posted just fine. I did not touch the optima scheduled payment which was due to pay on the 21st.
When I went online to check today on my new statement, I saw that no payment had ever posted for my optima card and the rate had again been increased 14%. A call to customer service promptly allowed me to pay off the balance in full, and remove the late fee, but they were unwilling to drop the interest rate. (which doesn't technically matter since I paid the account in full but still it is irritating). The customer service rep asked if I had the confirmation number from the scheduled payment (I do not) so I asked him back if it was possible to look it up, he said he could not. It seems odd that he could find it if I have it but if I don't have it they can't look it up to find out if what I am saying is the truth. That seems improbable since these records would seem to be something you would want to be able to prove in either direction.
So I am wondering if anyone else has had this issue and if it is possible that AMEX is either ignorantly or even maliciously losing scheduled payments. I do wonder if they would dig for my lost scheduled payment transaction if I had a lawyer asking for it.
While am on a business trip in Africa. Amex reduced my line of credit by $25000 to less than the balance on my account; rendering my card useless and causing me embarrassment and costing me money. Amex sent me an email that you had reduced my credit line. I am appalled at the way Amex treated a loyal customer like me. In 2007 I spend over $100000 on their card yearly. My average monthly balance in 2007 was over $8000. Thus, setting my credit line to $4000 would certainly disable my card. It would seem that they may have checked these simple facts before they made my card unusable while I am on an international business trip. In addition, I had wait for many minutes for a supervisor to increase my credit line (temporarily) so I could continue to use my card. The reasons Amex gave for reducing my credit line are not consistent with my credit report. Amex representatives tell me that I have to provide data to refute their reasons for reducing my credit line. Our data sources are the same. The credit report I have from Experian says I am a good credit risk and more importantly, has not changed in the last six months. I can only conclude that Amex choice to reduce my credit line by $25000 was either an error or intentional based on some other criteria. The fact that it takes 40 minutes on hold to speak with Amex credit line help desk indicates that they may have done the same thing to many or their customers. Either way Amex have maltreated and disappointed one of your better customers. I plan to get my credit elsewhere unless they decide to restore my credit line and reimburse me for the trouble and expense they have caused me.
I recently reserved a vehicle while on a business trip. The rental company placed a reservation for the total vehicle rental amount on my American Express card. During this time American Express lowered the limit on my credit card with absolutely no reason and no prior notice. They completely disregarded the amount of the reservation that the rental car company had placed on my account.
I tried for over 24 hours to reach American Express regarding this. When I was finally able to contact someone I was told to just pay off the card and then I could use the card to pay for the rental car. After explaining just how ridiculous this statement was and 'talking' to this representative a little longer she agreed to give me a temporary credit line increase. However, this increase would have put me over my limit and I would have been charged with over limit fees. I am quite sure that my 0% interest rate would have disappeared also. Not to mention the impact that would have had on my credit score.
I have NEVER been late on a payment on ANY of my credit cards nor have I ever been over any of my credit limits. Not that it is anyone's business but the balances on my credit cards come from financing a business start up and not frivolous purchases. If it were not for that I would not be carrying balances. Additionally I always make more than the minimum payment on all of my credit cards.
In short American Express was of absolutely no help to me with this problem that they had caused through unethical business practices. I know that American Express is experiencing financial difficulty and that is the reason that they did this, however, I am an accountant that specializes in helping small businesses get through rough times. I can tell you that one thing that you do not do is turn your good clients away. After researching this on the internet I found that American Express is doing this to a multitude of their account holders with credit scores over 700. These are good clients.
When I first started noticing the problems with the economy I did some financial planning for my own business. Not knowing how bad things were going to get, I made of list of the creditors that I would stay current and in good standing with if the economical situation became so bad that I could not pay everyone. American Express was at the top of this list. Needless to say, they are not there anymore. Additionally, I have consistently paid $100.00 to $250.00 per month more than my minimum payment and I still have a few months left with a 0% interest rate. I really hope that my $15.00 monthly minimum payment helps their cash flow situation. It makes a lot more sense to give this amount to a creditor that is still treating their good customers with respect. I will also reduce the balances on other cards faster, which is necessary, as now my credit report will show that I am using over 50% of my allowable credit with American Express which will cause my credit score to decrease.
This letter was addressed and submitted to American Express but is in a third party format as I intend to post it on every web site that will allow me to do so. American Express may not feel that it is important to notify their customers prior to taking an action that could place them in a horrible and embarrassing situation and have a negative effect on their interest rates, credit scores, etc. but my business is taking care of small businesses and individuals with financial problems and I do think that it is important.
Consumers be aware!.. Do leave home without the amex travelers cheques... In july 2008, I was robbed of $10...
Amex card holder since 1974. Always paid off the entire balance every month. Used it three times sunday night, nov 9, 2008, for about $200 total. Less than 24 hours later, a $50+ was denied at a grocery store because I had never shopped there before! Don't ever recall being declined before.
First, that's bull. It had been two years since I shopped in one of those stores, but I had shopped with them before.
Second, try and get a believable answer by calling one of their "service" numbers. You end up talking to someone in india who obviously has no idea what standing in a grocery line is about and told me I should have called them on the spot to clear up the matter! Next time, i'm leaving the groceries and walking out.
Third, even if it was a fraudulent charge, it was just above $50. Technically, i'm responsible for teh first $50 of fraudulent activity and they cover the rest. So why decline a charge that's so small? Seems more like harassment than protection to me!
I wrote the following two letters to American Express following what I regard as extremely shoddy customer relations.
Below is the letter sent on 11/04/08 to credit services expressing both our disappointment and frankly, anger at your treatment of our account.
However, just when we thought American Express had reached the bottom rung of our expectations, it has gotten worse. After earning legitimate point rewards from our "account in good standing, " your firm now has removed them not allowing us to even walk away after 10 years with our rightfully earned reward.
Frankly I think the whole episode smacks of a lawsuit, which I plan to promote in Letters to the Editor as well as to anyone who will listen. Shame on you and your shoddy attitude towards what you once regarded as your customers.
And to indicate your totally disregard for any feedback, sending an email is impossible through your website - how absolutely typical of your practices over the past few weeks.
Congratulations - we are truly amazed.
(Text of letter referred to above)
To Whom It May Concern:
Recently your department saw fit to cancel the above referenced card. A few thoughts on the topic . . .
1. We have held this card since 1999 and have always paid our outstanding balance monthly.
2. Yes - our credit is not good at the moment. However, we also realize the importance of having a credit card to use in case of emergency, etc. and have made certain to keep this card in good "working order" (for nearly 10 years). In our naiveté, we thought this might mean something to your firm.
3. And to completely destroy our confidence in this firm, you opted to cancel this card and then let us know five days later. How embarrassing for us to have to find this out by having the card turned down. And how totally reflective of shoddy business practices on your part.
In short, we have obviously mistaken this company for a reputable, upstanding firm that valued its customers. While your decision is no doubt based on our present bad credit rating, I can assure you of this - we will pay our bills and recover from this situation. Further, I can also assure you we will never again speak well of American Express.
Unfortunately, our situation is not unusual in this bleak economic climate. That will change. Our view and that of anyone willing to listen or read our account of your handling of our account will not change for your firm.
I have had my gold card for 9 years. I have always paid my balances, even through a bad period, 6 years ago...
Excited at first to acquire the AMEX Platinum Card despite the $400/yr fee. All kinds of promised perks for having the card, which never materialized as portrayed. 1) Tried to use the companion travel benefit and within a month, the program abruptly "ended"., 2) Platinum travel benefits include airline lounge access - tried using it 3 different times in clubs they said were applicable and was denied. Was told by airline clubs that the website is incorrect., 3) Never missed a payment and have good credit but received a letter without any notice that they were restricting "sign and travel" benefit based on credit ??? - Just called them and canceled The Card. Far more trouble than what it was worth.
Beware of paying amex bill early. Three times in this last year I paid my amrican express bill early. What...
We were asked by AMEX to buy a higher level of credit card with Costco which costs $100. a year so we can have better priveledges. We then a few months later got a letter in the mail saying our credit limit has been reduced to $800. due to a couple of reports on our credit report. We have a zero balance with American Express...have never been late...always paid on time...but they say they do not take that into consideration even though we have been members for approximatly 8 years. I did get a copy of my report btw and to me it looked excellent. There was one bad report due to a service that was cancelled by me and is currently in dispute but being taken care of...but other than that everything has been in good standing. Oh excuse me..5 years ago i was late on my mortgage payment ONCE. This is very bad businees especially for COSTCO since I do my business with them and this will be limiting how much I will be spending with them. This is so very insulting to be treated like this. I would like an attorney to take this on.
I started using the American Express Blue Credit Card thinking I was getting the advertised rebate of 5% everytime I used the card at my local grocery store. WRONG! Apparently, AMX Blue doesn't consider my local grocery store, a grocery store. So they don't pay the 5% rebate. What a CROCK!
If you think you're getting your rebate everytime your use your AMX Blue credit card or any other rebate card, don't believe it. Double check and if your card company isn't doing what it advertises, change cards.
I hope someone can give me contacts (people), addresses and telephone numbers to resolve my problem and re-instate my cards.
On Tuesday, October 28, 2008. I received a call from my accounts manager (never knew I even had one) at American Express asking why $56, 000 had been run through my merchant account machine my companies' Platinum Card.
I explained that I had a customer in the Bahamas whose card that would not work (to pay for a printing job) and that I swiped my own card to see if my machine was broken. I know a "REALLY DUMB" thing to do... and I did it 3 times) ANOTHER DUMB THING... but you can see I am telling the TRUTH... and I thought I was putting in $18.00 NOT $18, 000. So I told the guy, "Hey I'm sorry, won't do it again, it was a mistake"! So he says well isn't not that simple.. "this is fraud (none of the swipes went through), and it's a serious violation and ALL your cards are CANCELLED.
He further went on to say, that the CANCELLATION of ALL my cards will be reported to ALL CREDIT Reporting Agencies (Closed Due to Fraud) which will lower your FICO score, and upon review we may ask ALL OUTSTANDING balances be PAID IN FULL immediately (approximately $86, 000) and ALL your points 161, 396 have been forfeited / taken away.
Does anyone who I can contact who can take care of this?? Any and all help appreciated.
Warning! amex will with no reason, justification or cause take away your credit limits and destroy your credit score! They are currently gutting loyal clients credit lines, and destroying good honest peoples credit scores! By destroying the credit score they are single handed making the credit crisis much worse. By destroying my score, they just caused a loan to my business to be declined and caused it to close, putting several out of work. DONT TRUST YOUR FINANCIAL LIFE TO AMEX> They dont care about their customers and have no loyalty, even to customers of over 20 years! With so many good credit card companies like Chase, B of A etc.. dont let amex screw you like they just did me.
We received a letter stating that American Express has reduced our business credit line(signed personally by...
I have been with American Express for 14 years and have always been on time with my payments. A few years ago I was offered the extended payment option, so that any charge over $100 would go on the revolving account. In the last couple of years I have had to put some car repair bills on the extended payment. My balance is about $9000. We have limited ourselves with our every day spending on the card so that know we will be able to pay the bill each month. My father passed away a couple of months ago and my husband and I have been traveling back and forth from Texas to Washington state to help my mom move near us in Texas. We did not get the American Express bill paid until Oct 15th. Exactly three days late, I was contacted on Monday Oct 13 at work asking me about the payment and I told them about my father and that I would get the payment to them. They said that was not a problem this time. On Oct 15th I received a letter from them that was dated Oct 3rd (so it took 12 days to get to me) that due to my debt to income ratio from the reporting agency Experian they were suspending my extended plan. Then on Oct 22nd I received my statement for which a $500 payment is due by Nov 11th, and I also received in another separate letter from American Express. It said due to me being a valued customer with American Express they wanted to sign me up for the extended payment plan. Of course I got on the phone to try to understand what was going on with both letters. The first girl I talked to transferred me to that department. Well that department is in India, the connection was so poor and she could not speak English very well that she had to hang up and call me back for a better connection. The connection still was not very good, but she asked me what date was on the letter to sign me up for extended payment plan. I told her there was no date on it just a reply by November 30, 2008. She said it was sent to me in error, even though it said Dear Ms Derby, I was not suppose to receive it, and basically the joke was on me. I asked to speak with a supervisor and held for about 20 minutes and just hung up. Then I called the regular customer service back and asked for a supervisor. A Mr. Robert Carr talked to me I thought we had a rather good talk. He also told me that I received it in error. It seems that it comes from their marketing department and American Express has not informed their marketing department about my account. So once again ha ha the joke is on me. I asked him if he could explain to me why American Express for the last two years has looked at my overall credit every month and sometimes twice a week. He said he did not know the answer but would call me the next night with the answer. Okay, on to the next evening, I get a phone call from American Express about 8pm from a Tamika and she tells me that I have to come up with my minimum payment due of $500 that night or American Express would cut off my account. I explained that I just got my statement the day before and the $500 wasn’t due until Nov 11th. So once again I asked to talk to a supervisor and his name was Chris Ball, and he did not have very good customer service skills to say the least. He told me due to my debt to income ratio I was out of luck and either I pay the $500 then or my account would be cut off. I asked him if I had ever not paid AX and he said that didn’t matter and according to their agreement page they can do whatever they want, whenever they want to me and that I just have to sit back and take everything they dish out to me. I asked him that I wanted it in writing about the $500 payment that night and he refused saying it is all in the agreement and he could send me another copy of the agreement. I just told him to close my account and that due to how they have treated me they just might go to the bottom of my list. They are determined to ruin my credit anyways with suspending my account because I wouldn’t pay them the bill the next day after it arrives. I am just really fed up with AX and after reading all the stories they must be in a world of hurt right now. The supervisor Chris Ball told me that AX was one of the few that was making money. Boy, he sure needs to do some research on his company. Oh, and I could hear the little clicks in the call with him and I told him that I knew they were recording me and he of course denied it. And today in my mail was a offer from American Express for the Black card which carries $450 per year. And another letter stating that because I am such a valued customer with American Express they are offering me a Blue card with 0% interest on balances for 12 months. How many more am I going to receive from their marketing department before they relay the message to them. Thank You for listening and at least I know I’m not in this alone. Loretta Derby
I am extremely upset at how my small business has been treated by American Express. We are a group of...