New York, New York
United States - 10285-3106
Imagine a business partner for 25 years who screws you without calling. 25 years and millions of dollars of...
I have a Corporate Amex card and from the beggining of May up to now I'm trying to set up Direct Debit with Amex. I sent the correctly filled in Direct Debit Application Form provided by Amex to UK branch of that company. For the first time (beginning of May) Customer Service said that they did not receive it. For the second time I received the letter dated 04th August with the Direct Debit Set-Up Confirmation.
Therefore I believed that everything is okay now but... I was wrong!
On 15th August I received the letter which to certain extend highlights the weaknesses with the controls relating to review of Direct Debit Application Forms from customers. This letter (by the way without the logo and the signature of the person who wrote it) is stating that MY bank returned the Direct Debit Mandate advising that details are invalid. The same letter was accompanied by my Application form and copy of the Bank letter. The Bank Letter was not from my bank but from some other one even though my Application Form sent to Amex had the correct name and address of my Bank.
I called the Amex in UK and they told me that indeed they made mistake and advised me to resent the third signed Application (of course no one even offered me any return for the postage costs)
I've been an Amex customer for nearly a decade, and have run tens of thousands of dollars through their...
Great cruise but regrettable experience with the travel agent:
AMERICAN EXPRESS MARINER CLUB handled the arrangements poorly (I wound up correcting several things myself), failed to make a payment until I called them, and other matters.
The last insult was a discount of $1000+ which was to have been credited BACK to my credit card after I had made FULL payment for the cruise. Never happened.
The final payment was made in August 2007 . . . I've been trying to resolve this since the cruise was finished in December 2007. Sent American Express copies of all their OWN correspondence documenting the promise of the credit. Made it to the supervisory level where I've been stonewalled for months.
Tried the Florida Department of Agriculture and Consumer Services. From their letter: "Unfortunately, the business has refused to cooperate . . ."
So, I consider myself defrauded, but the value does not justify cross-continent travel to file a small claims lawsuit.
After a series of phone calls, my husband called the 1-800 number and was assured his account is in order. Since that time we have gotten two more calls. Today, I lost it and called in. The operator can't tell me the problem. When she mentioned our daughter's name, I assured her she did not have a card and was not on her dad's (Jim Ellington). We argued when she could not believe two men named James Ellington could both have daughters named Deborah. Go to PEOPLE SEARCH.com
James (Jim) Calvin Ellington, Raymond, MS
there it lists our family. Leslie, Deborah, Angela
Then look at James R. Ellington, Madison/Ridgeland, MS
there it lists his family...Bethany, Deborah, Ford, etc.
When this problem is solved, please advise me. I feel harassed and unbelieved, when I was only trying to help AE solve this error.
I want to hear from management.
Leslie H. Ellington [protected]
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.
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.
I am a small business owner and I am extremely particular about my credit. With a lot of hard work, years in...
Due to a surgical injury I was forced downsize and eventually close my business leaving an upaid balance of...
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.
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.
my name is patricia banks i have a american express credit card i got my card on 04/25 /2008 on 04/26/2008...
EMG has defrauded me with $30K promising to advertise my online travel store. EMG disappeared after cashing...
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? .
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.
William M. Harley.
Wrongful charges, deception and interest rate fraud. Violations of Truth in Lending Act, 15 U.S.C.A. 1601, et...
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.
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.
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.
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?