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American Express Complaints 440

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1:32 am EDT
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American Express cancelled card

1. American Express reduced my line of credit some months ago, rendering the card virtually worthless for travel, even when making payments "as I went"!
2. Yesterday--May 1, 2009--I received written notice of cancellation.
In the approximately 2 years I have had this card I have paid by electronic transfer from my checking account as charges were posted. I was not late one time.
If anything, I was consistently too early in paying my bills, usually making up to 8 payments a month by the electronic payment feature.
Do you think this had anything to do with my cancellation? The fact that I paid so promptly?
Does anyone know if American Express (the corporation) is in serious trouble?

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david
Lakeside, US
Feb 18, 2010 4:40 pm EST
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I only got the card because they were promoting so heavily at the new Costco and it made shopping there easier. Who wants to use a debit card and get the additional charges.
So, months went by, we pay in full every month. Last month, we paid the minimum due and then get a call that they cancelled our card.
I call and am told since my credit limit is lower than it was when I got the card, they were cancelling. Attitude to me was like tough, its your fault.
Well, when the economy and my credit recover, I'll never get or recommend American Express.
Oh yeah, I am going back to Sams - no more Costco.
They just made my credit score go lower and I didn't wrong them at all.

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8:54 pm EDT
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American Express bait and switch intro bonus miles

I was solicited to switch to the Delta Skymiles card from American Express online while visiting the Northwest Airlines site. I signed up for a deal which stated that I would be given 25000 bonus miles after using the card for the first time and 25000 miles would be replenished when used for "pay with miles" program. A free companion airline voucher was also included. When the card arrived I found nothing confirming the above-mentioned terms. I called Amex and asked them to state the terms in their records. The customer service rep was rude and snotty immediately. She listened to my question and responded that the offer carefully stated that the terms which I signed up for were merely a possible award level that may or may not be awarded. Say What! I incredulously asked how they could make the offer only to rescind it once the customer had signed up to their cardholder agreement. I was told by the poor excuse for a service rep that that was precisely the policy!
I asked for a supervisor and was told that they wouldnt help me any further and when I asked to be transfered I was put on infinite hold.
I called back 15 minutes later and cancelled their cards and cut them up.
I post this here so that others will realize that this is the policy of American Express. They are using illegal bait and switch ads which once you've sold your soul to them they immediately renig on their end of the agreement. Screw that!
I'll sign up with US Banks Airline points card.
American Express Delta Skymiles Card Sucks!

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KatieFletcher
75 Maple Hills Drive, US
Aug 06, 2009 12:46 pm EDT

I also received an e-mail offer from NWA/Delta and Amex on May 1st, 2009 giving me an offer of 35, 000 miles for signing. The first 25, 000 would be posted on my account once I had made $1, 000 in purchases within the first three months. And then the remaining 10, 000 would be posted afterward.

I applied for the card, and spoke with an agent regarding the offer and she confirmed it was valid and that my husband could sign up for it too.

I made $1, 000 in purchases within the first month and paid off the card in full. I saw 15, 000 miles applied to my account, and I was confused because I thought it was supposed to be 25, 000 and then another 10, 000. So I called Amex and spoke with an agent who now said it was going to be 15, 000 and then two more increments of 10, 000 miles. I patiently waited until August to see the miles show up, and they never have. I called Amex and spoke with an agent today who denied that they ever sent me such and offer. Luckily I saved the e-mail offer, faxed and e-mailed it to them. They are also denying that such an offer ever existed now!

I e-mail NWA and Delta executives about the issue too. I'm a great customer with an 800+ credit score and a high limit who likes to travel frequently. I've never had an AMEX before, and I probably won't if they don't remedy the problem for both me and my husband in the next 15 days.

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8:33 am EDT
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American Express awful fraud

I've been an American Express holder since 1992 (Green card). About 2004/5 I opted for the AE Costco card for the 3%, 2%, 1% cash back program. In Mar '09 I talked with an AE rep about the AE Blue card, which advertises 5% cash back, and completed an over-the-phone application. I was told AE would transfer the balance (zero, as I pay in full each month) from my Costco card to the new card. When I received the Blue card I noted it was the same number as the Costco card, so was not really a new account. The literature informed me - for the first time - the Blue card reward was 1% cash back for the first $6, 500.00, and the 5% cash back kicked in at $6, 501.00. I called AE and voice my feelings over not being informed of this at the time I applied, but got nowhere. I told AE I wanted to revert to my old Costco account, they said they could not do that, I'd have to open a new Costco account if I wanted it. I did so. A few weeks later I received my new Costco card. AE had cut my limit from $11, 000 to $2, 000. When I called to ask why, I was told that's the limit for NEW accounts. I argued that the only thing new here was the number on the card. No joy, AE insisted that I would have to wait three months before I could request an increase and that would be limited to $6, 000. Then I'd have to wait another six months before I could request another increase. The rep said there was no guarantee I'd get the first increase much less the second. I've always paid my monthly bill in full PLUS what I know I've charged after the statement was mailed. I can see no legitment reason for AE to cut me off at the knees like this. What really pisses me off is that my wife is home for her daughters wedding, but I can't afford to go.

It is my opinion that AE tricks members into applying for the Blue card by advertising the 5% cash back reward, then switches them to lower limits if they decide to send the Blue card back when they find out they've been scammed.

I've written snail mails to the top three corporate officers, and one email and one snail mail to the office in charge of issuing cards and approving limits. The letters all went out by Mar 30, 09, today is Apr 18, 09. I have yet to receive a reply from any of them.

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8:52 pm EDT
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American Express cancellation

I've been a member of American Express since 2007, and have never defaulted. In fact in quite a number of times, I even made payments twice a month during the billing period. I noticed that after I joined American Express/Credit Secure, my two American express accounts were cancelled without any forwarning. I find this disconcerting since this arbitary cancellation will affect my credit standing. I had other non-American Express credit cards with high balances, and I always paid them on time. No one at American express has given me a valid reason for the cancellations. Therefore, I am making this formal Complaint against their company's practice of cancelling memberships without notice or reason.

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No Credit Secure please
US
Nov 02, 2010 10:00 am EDT

Same thing happened to me in 2008. I had a Costco American Express card. I had 2100 spending limit on it. I usually used to spend a lot almost close to my credit line, but I always paid them on time and whether in full or maybe 10 dollars less than the whole amount. My credit score was always between 710-750 and that is good for a 19/20 year old male. I joined credistecure from American Express and all the bad things started happening! The reduced my limit to 1600, a month later 1200, next mont 900 and they finally sent me a letter indicating that your account has been closed due to ... a lot of pardon my language, but crappy reasons. I made the last payment and American Express was gone out of my wallet. However they sent me my points cashback after 6 months as a check. Anyways, even though American express did this, none of my other 3 major credit cards closed my account to date. After two years I came back to Amex for their Platinum card which is a charge card, so they cannot say you have a high balance or etc. It is much more expansive than the other one ( 500$ annual membership) and really it is just a classy piece of plastic not much more. Anyways, I like the Amex platinum but I am sure of one thing and that is not to open the creditsecure with AMERICAN EXPRESS. NEVER EVER!

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10:43 am EDT
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American Express false advertising

Numerous complaints:
1) travel website does not allow you to reserve more than one round trip. Creates problem when you need flights within a trip. Can not get promised double points for booking on line. 2) amex travel agent was rude, rushed and sent us to a horrible hotel. Immediately went to another hotel in the uk in a bad neighborhood because the international tele number on my card was not able to assist me! (A service I pay extra for) 3) I was mugged in uk, lost all cash and 2 amex cards, called amex they could not relace my card for 7-10 days! Said I could take a taxi to the airport ($75.00 taxi ride) with having no cash and get emergenct funds. I spend 2 hours on the phone begging them to understand I had no money, no drivers license and no credit cards! I only carried amex because of the sense of security that came with my $150.00 card fee per year. 4) most businesses in the uk refuse to take amex for purchases.

My trip was ruined due to amex.

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7:34 pm EDT
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American Express froze expenditures and card payment was due in 13 days

I have always paid my AE card off in full. My next payment was going to be due in 13 days. I had the payment scheduled. They called and said they were not going to allow anymore charges unless I paid the balance off in full early! What a way to get rid of a customer fast! I told them that was crazy! I offered to pay in full 2 days early but asked they continue to allow me to expend. They said no way. So, I cancelled the card. I can't imagine continuing to do business with them when they are obviously not there to suppor the very basis of what built their company --- small business'es just like mine!

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2:50 pm EDT
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American Express cancelled card — no warning

I have read over several other complaints with the same basic heading and I guess I can just say DITTO. I have had my amex since college (which they practically forced on a college student--who has no income anyway). Anyway, for the past 20 years I have always kept up payments no matter what because I cared immensely about my credit score plus I felt privileged to have an American Express card. No longer.

I got into a little trouble (like others lately) but I made a payment plan with the Amex rep over 6 months. She never told me my card would be canceled or anything negative would happen. She said that it wouldn't even be reported to the crediting reporting agencies if I paid the debt. I was on the last payment when I got a letter in the mail saying that my Gold card was being cancelled. WHAT? Also, I have an American Express Blue which I had been paying on time (it can carry a balance with interest) and had not had any problems with it at all. BUT, they cancelled that card as well. Double WHAT.

When I called American Express, I also (like others) was answered by someone in a far away country but the accent was so incredibly difficult to understand. However, I could make out that he was telling me that he couldn't tell me why it had been cancelled. Well, I didn't think that was sufficient. Transfer me to a supervisor. I got cut off a few different times as well.

I have spoken with a few of my close friends (since this is an embarrassing situation) but have found out that it has happened to a few of my friends who didn't even have ANY negative actions on their accounts. It seems like American Express is just picking and choosing and axing those they just feel like letting go. Too bad because I had been an excellent payor (as I should be) for 20 years. Oh durn AmEx. I'll never go back. However, I have been sent several letters asking me to come back--for a fee. And yes, the fee varies per letter as well. It seems to me that American Express isn't the icon it once was and I wouldn't even feel proud carrying that card anyway.

I hope there is a class action law suit because for once in my life, I would actually sue someone.

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Kevin Wilson
Bolingbrook, US
Mar 26, 2011 6:23 pm EDT

I recently received letter correspondence and email advertisement since the month of January 2011, asking me to join AMEX . the attraction to me was NO ANNUAL FEE the first year, I signed up for the card. Upon receiving the card and letter I called the number to activate the card. In the conversation I asked the rep does this card have an annual fee waived for the first year and her answer was yes, I believe her name was Stacey. Upon receiving my statement I noticed that there was a fee for 125 dollars in annual fees. I contacted AMEX and got no resolution, the tone of the LEAD REP was I'm sorry and are you going to continue to use the card? Very mean and cavalier. I feel this is a case of BAIT and Switch which is clearly a violation of Illinois credit law. I want this matter resolved and the fee waived for the first year. I have contacted my attorney and he is prepared to move forward with this matter. I WANT RESOLUTION!

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my truck rocks
US
Mar 29, 2011 6:10 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

Well I am glad you have never had an issue with Amex.
How about you go through a layoff and attempt to do the right thing by going through a credit counseling agency. Then YOU will have BIG issues with them and others. How about you NOT being able to find a JOB that pays what you were used to pay. Then you tell me what you do! I did pay my bills when I had a decent paying job, NOW I still am having issues EVEN though THE BILL was CHARGED OFF IN 2008. So NOW YOU TELL ME WHERE IN THE "HE **" AM I SUPPOSED TO BE ABLE TO PAY THE A**'S!
Till then I do have a RIGHT to BI*CH especially since they REFUSED to work with me!

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my truck rocks
US
Mar 28, 2011 8:00 pm EDT
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I know about American express first hand. They scam you into getting the card then when you start to work with a credit counselor agency, Amex turns you into a collection agency. Then when they charge it off since they refuse to talk to you. They then continue to turn you over to different agencies after that. I know I am on the 4 collection agency from them and I just keep sending the agency the charge off paper. I send a copy not the original. That ends them until the next one hits.
Tell Amex to take the card and place it where the sun doesn't shine.

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melvin
US
Apr 13, 2009 8:32 pm EDT

it sucks

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melvin
US
Apr 13, 2009 8:32 pm EDT

hello my name is melvin s i too had all of the same problems net trust representitive ask me for all my info to verify my id and thats all they said they wanted my info for.next thing i know them and all of their affilites are charging me 4995 here 495 there 4995 again and again. its sick these people can get away with al this crap if i wasnt a god fearing man i dont know whatid do...

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7:55 pm EDT
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American Express closed account for no reason

As most folks American Express decided to one day just shut off our Platinum Card which was used for day to day business expenses and to accumulate points for Airline tickets and other things. We were on a flex pay plan that allowed us to carry a balance and pay less than the full balance, Mind you this is stil around $2500 a month to one card, They shut it down for no reason other than they screwed us out of 100k plus "points" And demanded we pay the balance immediatley, We refused for one becuase we could not afford to pay the balance in full. We still get calls from Natonwide Credit and they want checking information and payments of $1000 set up via automatic payments Iwas advised not to do this, Pay AMEX directly or ask for a settlement? Anyone out there go thrugh this>?

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GRAND HOTEL
Jun 27, 2007 12:00 am EDT

We grand hotel having in merchant banking business with American Express Card vide MID No.[protected]. Now the settlement is not effecting with the machine.

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dvarce
Ventura, US
Mar 31, 2012 7:02 pm EDT
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I had the EXACT same thing happen...I had a Platinum Card and Green AMEX for two completely seperate corporations. My Fico scores were all above 726, no outstanding balance due to AMEX, ect. They literally just cancelled both cards and then i got the run around as to why. First I was told it was because i had 8 credit inquiries in past 30 days. So, I joined credit service and found outthis was not true! I faxed the credit report printouts to AMEX and was told I would receive a letter. Basically, i was told that i was ineligible for reinstatement! I was told that i could write and request exactly how i would like my AMEX Membership Rewards Points used. MEMBERSHIP REWARDS CORRESPONDENCE UNIT
AMEX MEMBERSHIP REWARDS
PO BOX 297813
FORT LAUDERDALE, FL [protected]
[protected]
It seems so unfair that a credit card company can do this without any cause!

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missg
Stony Brook, US
Apr 08, 2009 8:37 pm EDT

My husband and I went through something similar. We have Amex Blue and they decreased our credit line drastically even though our credit with them is pristine since 1995...it's just a sign of the times...

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3:01 pm EDT
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American Express Blue Card raised interest rates across the board in January from 9.9% to 12.9% regardless of payment history to hide behind a poor economy while raping their loyal customers because of company greed despite CEO Kenneth Chernault's call to assist cardmembers in financial straits. Supervisor RIA employee # 49264 was condenscending and offered...

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1:10 pm EDT
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American Express fraud protection a joke.

American Express boasts fraud protection. Have a bad charge, they'll take care of it right? Nope. I entered into a 100% money back guarantee, no questions asked service earlier this year. When I requested my refund the company refused. I tried 5 times to no avail. I then disputed the charge and provided AMEX with extensive documentation in emails and web site proving my claims. I was denied, twice. When I spoke with the dispute center the lady, very rudely, informed me all AMEX3e501 can do is request the vendor credit my account. She informed me they never could force the money back to my account (which is a lie). She told me to contact the company and request my refund. I should have used my Visa card. They certainly would have backed me up. Amex, that's twice in 10 years you've screwed me. Fool me once shame on you, fool me twice shame on me. Never again.

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6:03 pm EDT
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American express caused me a lot of grief today. I can safely say that american express really hurt my business today. It has also hurt my relationship with my vendors. I have an american express card with "no pre-set spending limit". Now, I know that it is a trick. From $275, 000/ month, they have lowered my limit to $203, 000, then to $165, 000, then to...

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12:47 pm EDT
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American Express cancelled my account, which was always in good standing

American Express cancelled my credit account without notifying me. I have consistently paid my balance in full each month, and have never missed a single payment. When I tried to pay for dinner the other night, my card was declined. I was sure there was some mistake, so I paid with my Visa and planned to call AmEx the next day to see what the story was.

After two days of getting the run-around on the phone, I finally spoke to someone who told me that in light of my recent credit profile, I was deemed to be high-risk and my credit account was cancelled. For the record, my credit score is waaay above average and I have no deliquencies on my report. The rude customer service rep told me that a letter was mailed out to me seven days after my account was cancelled. I never received this letter, but that matters not. I am sympathetic to lending agencies given the current economic situation, but the way American Express treats it's customers is infuriating. My suspicion is that because I pay my balance off in full every month, they are not making enough off my account in the way of interest.

My main concern is that this event will negatively affect my credit rating. As far as the account goes, I am happy to be rid of it and will vigorously campaign against American Express for their unfair business practices.

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great grandma
Brandon, US
Aug 14, 2009 9:56 pm EDT
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While on a weeks vacation last year my credit cards were suddenly refused when I tried to pay a bill in a restaurant . I tried American Express, Visa, Mastercard - all refused.
When I called I was told that my accounts had been closed and my credit limts lowered
due to the amount of credit in my name - all without any notification until several weeks later. I am partners in a business and due to the present economy we have had to use our personal accounts.
Up until that time I had excelent credit and a high Ficas score . My credit history goes back over 60 years. I was never late with any payments and due to my excellent credit history had fairly low interest rates on my accoounts. They managed to destroy my credit over night.
I am seriously thinking of telling them all to choke on their accounts. I didn't deserve what they did to my.
Both my attorney and a debt management service I consulted told me that this has happened to countless people.

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3:13 pm EDT
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American Express amex hurting consumer credit

American express used to be a great company. Lately — i've had to report them to the ftc and am about to report them to other banking and credit agencies as well. Why?
For several months, they have been advertising (With multiple fliers in the mail, at least two times monthly) — suggesting I accept an offer (Due my great credit history and scores) to accept terms to 'carry-over monthly balances over $100). After much disregard, I finally accepted, after agreeing to open a secondary account with amex in light of the 'new' fico scoring system this year. (The second card was not mandatory, it was for purposes of 'spreading' out available credit to debt for several types of business charges as required with my profession and privately owned business.)

Low and behold — within 2 months of owning the secondary card — the 'offer' they gave me was rejected with a simple letter stating I was a credit risk because there were too many inquiries on my credit report (Only 3 in 6 months — (2) of which was by american express for the second card, and to see if I still 'qualified' under their creditsecure program, which I also happened to accept at the beginning of the year). Not only that, they had already reduced my 'no preset limit' option internally with a $20k limit that I had to coax a nicer rep into disclosing (They were not supposed to disclose the amount to me. Previously, I was truly not under a set limit.)

Worse yet — when the second payment for the second card came due — I sent payments for both accounts to the same bill payment receivables address in one envelope. There is no stipulation by amex under any circumstances — that we cannot send payments in one envelope. They also state they support green and other environmental programs — so I assumed saving an envelope and stamp would be fine.

The following week, while checking my balances — I noticed the second card bill was 'unpaid' and almost overdue. They were not going to notify me until it was later. I immediately called to find out what happened — as they had already cashed the check for the other account payment (Both were 'overpayments' to cover new charges as well.)

I was informed the check was destroyed because it was in with another check in one envelope. I was told if I did not pay again, immediately — (My responsibility, not theirs, of course) — I would be penalized. So they suggest electronic payment.

I am with a credit union for 'real' banking — so I requested amex notify me if the routing transaction did not go through correctly on the first try.

An entire business week later — I find out amex has suspended all of my cards, and I am about to be penalized for their ineptitudes — because they did not notify me about the payment not going through. They claim it was because they found out after hours on the friday night. However — they have 24/7 customer service. Instead of alerting me, per request — they put a 'stop transaction' motion on all my amex cards. (Even though they still have $50 additional overpayment on the primary card.)

They also erased the fact that they lost the original payment on the second card from my records (Since they claim they don't have proof.)

I worked hard to have an extremely high credit score. Now — amex is about to destroy it because I trusted them.

This complaint will be posted on every possible consumer notice and federal trade notice site I can locate, as I am not willing to be a casualty in the credit scams and fall outs that obviously has affected amex more than they are willing to admit. Amex also reported to the media and the federal and stock boards they were tightening up their structure because customers were having trouble paying last month.
I wonder what the truth is — their faulty mail receiving program and lack of warnings and disclosure regarding such, or their refusal to work with customers in a fair and honorable manner?

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Update by JKIM
Mar 23, 2009 8:02 am EDT

FYI update: As of today--- after speaking with my bank and receiving the information AMEX needed to tell me specifically the manner in which they were attempting to get payment (after destroying my original payment check and refusing to acknowledge the mistake) --- I get another routing number from my bank. AMEX was not planning to tell me this -- (again, I had to perform due diligence and find out by 'accident') --- AMEX has already charged me $38.00 of nonpayment fees as of last week--- after they have done nothing to acknowledge or work with me to get the payment I've been trying to send in since March 8th. Now, AMEX has made $38 "free dollars" from me, and still, they are still not assuring me they will work with me for payment (they will not let me know if the payment has gone through or not--- they will simply charge me, penalize me and blames my bank and me-- NOT their ineptitudes.) My bank has recommended reporting them to the Better Business Bureau, among other agencies at this time.

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Hassan Bahadeela
SA
Oct 15, 2011 12:26 pm EDT

I live in Saudi Arabia I believe you have nothing compare our bad treatment over charge put cards on hold . Stop international payments connect debt and credit card with one payment . Call relatives for credit card blue card payment payments. Hold or service with no reason even if paid calling 10 times a day. Charge late payments with no late payments. Payment shows in weekday only never in week end. Our payment period 30 days only .
AMEX company charge upon their payment note whenever shows in their system. If client want to complains they can but never wave late charges. Blue cards (AMEX credit card) very expensive credit interests charge and service most the public do not like it they introduce it as internet card. When client request to cancel, Amex never cancel upon clients request .
Merchants can charge unauthorized payments Cable Company love AMEX for accepting unauthorized payment. If you want to cancel TV cable service we have to cancel the Credit Card first. I for got they change location from Bahrain to Saudi Arabia they lost my 60 000 points reward system.
No third party to claim AMEX unfairness behaviour. Saudi Government monetary agencies not consider AMEX with banking system no rules no reviews on consumer bad behaviour this organization in Saudi Arabia.
They put my cards on hold for not real late payments. AMEX SAUDI CLIENT

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Down id the dumps
La Verne, US
Apr 08, 2009 8:02 pm EDT

BBB is a bunch of paid schmucks that make you look good if you pay them their fee, The aren't what the used to be, Trust me I run a business all the want is $$. You pay them they hide your complaints, If you don't pay them they post all the negative on their site.

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Why are companies like American Express allowed to damage peoples credit because they were unable to manage their business properly. 1st they lowered my credit to amount owed making my credit score go down. Then I paid them in full and they cancelled my card cheating me out of $500.00 in travel bonus I was saving for my 50th birthday. I can understand they...

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American Express disgusting service

I signed a contract for a credit card with American Express that had a FIXED APR of 7.99%; all of the sudden "due to the economy" they have increased my interest rate to 10.99% with no opt out option. This leaves me paying 3% more for the balance on my account (all of this changed without my consent). I have never had a late payment, and they told me over the phone that my account is excellent; yet this is what they have done. I have one other credit card that is doing the same thing, but they are ETHICAL and have allowed me to cancel my account and continue paying the agreed interest rate until the balance of the account is paid off (Chase). I just wanted everyone to know that AMERICAN EXPRESS IS AN UNETHICAL COMPANY; they certainly have NO regard for their customers, nor do they abide by their contracts! Signers BEWARE!

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reda moselhiy
US
Jul 29, 2015 2:29 pm EDT

----- Forwarded Message -----
From: reda moselhiy To: OPTIMA CUSTOMER Sent: Monday, 27 July 2015, 9:54 Subject: Fw: WHY IGNORING my emaiL

Dear Optima Card
I Would very much appreciate it if I could know why I cannot get the The RENEWAL CARD while I paid the Membership fee.

Thank you.

My Regards,

You’re Sincerely

Reda M. Rahman

----- Forwarded Message -----
From: reda moselhiy To: "spoof@americanexpress.com" Cc: American Express Sent: Thursday, 16 July 2015, 9:04 Subject: Fw: WHY IGNORING my emaiL

----- Forwarded Message -----
From: reda moselhiy To: OPTIMA CUSTOMER Cc: American Express Sent: Wednesday, 1 April 2015, 9:26 Subject: Fw: WHY IGNORING my emaiL

Dear Optima Amex Customer Service

I don’t understand why you are not replying to all of my email’s ? I received an mail from you dated On 2 / 16 / 15 which is about (Notice of Important Change to Your Account Terms ).

But IGNORING my email! ?

Until now I did not get The RENEWAL CARD, moreover the membership was paid on time but for NO CARD .

Please I would very much appreciate it to get The RENEWAL CARD.

Thank You

My Regards

REDA M. RAHMAN

----- Forwarded Message -----
From: reda moselhiy To: "spoof@americanexpress.com" Cc: "AmericanExpress@welcome.aexp.com" Sent: Friday, 26 December 2014, 4:00 Subject:

Dear Optima Amex Customer Service

I sent you before regarding my EXPIRED CARD 10/14 and until now I did not received the RENEWAL CARD .

ONLINE website is very hard to use it, I cannot find ( safe center message )

I would very much appreciate to get it.

Thank you.

My Regards,

REDA M. RAHMAN

9667
XXXX XXXXX6 – 23008

Address for verification reason:

Jl.cempaka putih tengah 2 no. 6
Jakarta Pusat 10510
Indonesia

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Eric6014
Brooklyn, US
Mar 08, 2009 12:41 pm EDT

I had the same 7.99 fixed rate with the blue card. I had the card for six years, never made a late payment and my account was in good standing. It was the card I used for most of my major purchases, so it's not like i never used it. After some back and forth with them I recently canceled my account. They increased my rate to 16.99 and then agreed to lower it to 11% variable. I refused, and told them that if they wanted to keep me as a loyal customer, they should honor the original terms of our agreement. No, I understand that they are allowed to do this and it's stated in the fine print, but that doesnt mean I'm just going to suck it up and accept these new terms. I have excellent credit and I'm sure there are other products out there that have for favorable terms. Amex is alientating longstanding customers in a time when they should be trying to keep their business. But it's not just Amex. Most other banks are doing this too. I have a Visa card with Chase with a 7.0 fixed rate. I have had this card since 1999. This month, my rate switches to a 10.24 variable rate. Wht should I keep these cards, when the banks clearly are not interested in keeping me happy?

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rousley
Rockville, US
Feb 19, 2009 3:02 pm EST

AMEX will rip you off

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rousley
Rockville, US
Feb 19, 2009 3:01 pm EST

AMEX keeps on lowering the limit on my Blue Cash card. Why? They don't want me spending too much and getting huge rebates each year. I pay this off every month. Never paid any interest. Now I pay it off at least once a week online because the credit line is so low. I have an excellent credit score and history.

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ReRe727
US
Feb 18, 2009 7:22 pm EST

"Fixed" rate only applies to the fact that the APR (annual percentage rate) or what you pay in interest doesn't change with the prime rate. What you thought you had would have been called a "rate for life" in which providing the account stays current and not go over the credit line, the rate would not change. A card that has a "variable" rate changes typically three months after prime changes. Credit card companies can and do review accounts and if you read the fine print, can increase your APR without notice. This is all determined by analysts who view your entire credit picture. Keep in mind average rates right now are between 15 and 20% on most cards so even an 11% APR is well below average and one many people would love to get their hands on. I encourage you to read ALL of the material sent to you when you open a credit card as you would a mortgage, or a car loan. The information you claim to be missing is in there. Banks are, after all, companies that are for-profit, not non-profit.

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American Express closed account

I have been an American Express cardholder for 15 years, that is until I received a notice in the mail today that they had canceled my account. I paid my account in full on Feb. 18 and then on Feb. 19 they decided that I supposedly had some derogatory items on my credit report. Now mind you, I looked at my credit report and there is nothing save some medical bills which have been paid in full according to a payment arrangement that I made. For 15 years I have had this account and it has been in good standing. How's that for customer loyalty? They certainly didn't offer me any money or give me the opportunity to close my account.

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M M Smith
San Diego, US
Jun 19, 2014 12:20 am EDT

I was a customer for over 5 years. My husband and father died within 2 years of each other - resulting in 2 late payments in 1 year. I contacted AMEX to explain my situation in detail. Although their representative seemed friendly enough, she refused to listen to a long time customer and increased my rate to a whopping 27%.

Each time I lowered the balance by making double payments, they sent me letters reducing my credit limit - indicating that their review of my credit history resulted in the reduction of my limit with them. They continued to charge the exorbitant interest rate.

ZERO late payments for 2 years and they sent me a letter closing my account because of 'negative' reports on my credit. I had to endure a short sale of my home due to the loss of one income in my household. Never once making late payments them.

There is no excuse for the behavior. To hell with the credit card, that's not the issue. The issue is their predatory behavior towards people - especially minorities. It's disgusting. They literally hold their customers in a hostage situation. They continue to charge 27% interest every month on an account they closed.

What happened to AMEX - their reputation and consideration for their long time customers is gone.

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American Express their site downtime, your penalties and fees

After years of not missing a credit card payment deadline, I missed one on my new American Express Corporate card. I was signed up for electronic vs. paper notification. I attempted repeatedly to pay online, 01/12, 01/14, 01/18. 01/19, 01/20. The American Express site was down, and I could not review my bill. The amount due in the notification email was different than the amount due on the telephonic "pay your bill", so I wanted to understand the difference before making payment. When I finally got a hold of a person on the 20th and had access to the website, I was able to get my questions answered, understand the bill, and make a full payment.

However, I was forced to pay a penalty, and began incurring daily finance charges. I tried to make a full balance payment to eliminate the daily finance charges on 01/31 and 01/05 but the site was down. Once again, I finally got a hold of a person on 01/06, and although the site was down, I was able to make a payment based on our discussion that cleared all the balance, interest, and penalties.

American Express wants to save money by using paperless billing. They therefore incur an obligation to keep the site up the vast majority of the time. The site's repeated outage is more than an inconvenience; I have the right to know what I am paying for and ensure the accuracy of the bill before making payment. However, the company threw the liability of timely payment back on me stating that I could have called an operator; I did not need access to my account to make a payment.

Note that the other financial institutions I do business with, ING and USAA Bank, had no know outages during the same period. Over the past year I have worked with them in a paperless billing relationship, there have not been any unscheduled site outages.

AMEX is responsible for maintaining access to their site. This is not a profit opportunity; their downtime is their liability, not the consumers. They should be compensating the business that patronize them for repeated site outages.

Therefore I am dropping AMEX Corporate as too unreliable of service to maintain a banking relationship with. Began incurring penalties, $59 fine. AMEX reversed the late payment fee, but was not concerned about the site access issues I raised. They did not deny the site was down, but stated that it was "not their problem".

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American Express arbitrary reduction in available credit

American Express is committing fraud in Canada. I am a perfect customer for all my credit cards. That means 10 years, no late payment and always over minimum. Amex Canada has changed the agreement we made in 2004 and reduced my available credit by 10 percent. They say it is because criteria have changed. Their investigators cannot find my income tax information so they can't prove the income I make regardless of the fact that I am never late on a payment.

People need to know what this is, it is extortion and treason. There are taking working capital from perfect customers off the street and burning it like all the bank have done, only now I have proof. They attempted to employ me without pay to do the job that their incompetent investigators could not come up with.

There is a reasons why Amex has never been allowed by me to have my bank information or my income information. Trust and security. I will not allow Amex to hold government data in duplicate in their computers. Why do I not trust a company to hold government or banking information? Because it makes fraud possible. Without co-mingled data in company databases, at that level of privacy, fraud is made possible by not only Amex but the credit reporting companies as well. The credit rating reporting agencies have had millions of file stolen and are circulating now.

Again how do I know? Because I am the freaken rich genius that invented the security systems for banks and I am the hack that gives the power to governments that rise an fall. I can write myself any income I like. And I do that offshore in safer banks where all bank executive and higher government elected and employed do. We only pay taxes on what is brought in the country and spent here. After all it wasn't earned here nor did anything from this country make my income possible, because I didn't learn here either, I am the inventer remember, other learn from me.

Amex has proven to me that the economic is a scam on everyone.

Right now if a bank makes you do something like purchase one product to gain access to another, that is extortion. In my case they attempt to hire me to investigate myself. They want me to stop work at 500 an hour, get my accounts and stop their work for this, then contact the lawyers to see what I am allow to expose. The fact is I am too important to Canada and America and I cannot let them have TAX info on me in their computers EVER. So I will have to go to war and destroy millions of dollars of AMEX capital to get even.

In addition they can see I save money by making prepaid payments and the reduced the limit in an attempt to make me go over the limit so that I would default and go over limit thus causing an automatic increase in interest, all from a PERFECT customers.

AS I pay the minimum I will destroy the company, by many means but mostly by automating a software robot of destruction that will get the message out to millions of people to be cautious with AMEX and expose their attempt to harm these two nations by stealing earned credit off the streets of our countries.

In the next few days the leaders of the investment world who worship genius (not that the working middle class don't appreciate extreme power wisdom and knowledge also) will remove millions and millions from AXP stock. Maybe they want AXP to fall more than it has? Maybe they think they will buy it back then?

My family owns the oldest banks in Europe and you DO NOT mess with me. I am so mad now, watch out that the crops don't fail, again like last time I was this mad. :-(

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Update by ScamTrax
Feb 18, 2009 7:45 pm EST

Hello friend of the mentally ill, I me and all the voices in my head are happy to meet you.
How much do you think I think I know, and what is half of that? And how did you get inside my head to evaluate that? Cool trick.
Extortion and treason are the same meaning, I am just exaggerating a point. There is also humor in everything I say and do. Even my rants are funny and I am laughing as I write this. You have to be highly aware to laugh at the sickness out there. It would only cost me about 50 grand to make a point in the high court’s on this one, corporate and banker crime. My time in law school was not long enough to know for certain what the outcome would be. They would lose something and all I would get is some useless glory, big deal, and a thankless public who cannot understand the need to learn the top secret banker scam stuff that is going on.
Update. Today I logged in to run the numbers and evaluate where I am now. As we all know Amex has reduced a perfect credit customer by 10%. I talked with one of MY BANKERS and he said that he has other perfect credit customers that AMEX has done this too. Someone in AMEX policy making is a crook or evil or stupid. I side with evil.
And guess this blows all your “thinkers” away that have taken law in college like I did, my other bank card from VISA just increased my available credit by 22%. So I am up overall and down on AMEX for sure now, scammers.
Within 30 days all my APX and all my associates APX is going in the toilet, sold at the next high mark. Million will be extracted from APX for this attempt at burning good capital off the streets of north America.
PS I feed 100 homeless lunches every Thursday at the Church for the mentally ill. That is $1, 200 a month. I don’t have to let them starve on account of the trickle down corruption of AMEX now.

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RUfedup2
Rockville, US
Aug 04, 2012 12:34 am EDT

American Express platinum card did not notify, me that my card had been compromised. I was in Africa and could not check out of the hotel. When I called customer service I was sent to call center in India, and they could not offer me more information for 6 hours, until working hours in the states. After they cancelled my card for FRAUD, and had a fraud alert on my card...they sent a new card to a company in TRINIDAD! How did that person have my info? What are they doing to assist me? Despite the fact that they could NOT get me a new card ! I spoke with a different person each time, and each person basically said they could not help me! So why do I pay the extra money for Platinum? Never heard back from anyone! I have been a member for over 20 years!

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collinar
PH
Sep 19, 2010 3:19 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

In August 2006 I called American Express to inquire why I received a Credit Balance Refund Check for $12, 000.00. At the time my account had been active since 1984. During the conversation the representative uttered the words: “Anti-Money Laundering Regulations.” At the time I had no idea how these words related to my account. The representative did not disclose to me at that time that there were several fraudulently endorsed credit balance refund checks associated with my account. However, in hindsight it is clear they were aware, but did not inform the customer.

Given time to think about the previous conversation, in December 2006 I called again to inquire if any other Credit Balance Refund Checks had been sent to me previously. The American Express Customer Service representative said there is no record of my account.

I repeated my request on dozens of separate occasions only to be told they had no record of my account.

After more than two years and hundreds of hours of effort, I received in March 2009 acknowledgement from American Express that three Credit Balance Refund Checks payable through First Union Bank, now Wachovia Bank Ft. Lauderdale Florida totaling $10, 370.45 were mailed to me in 2001 and had cleared. I replied that I did not receive these checks.

I requested images of the checks to prove the signature endorsing the checks was not my signature. American Express refused to provide images of the endorsed checks.

American Express was in possession of my signature on file as well as the signature on the fraudulently endorsed checks. Comparing the signatures made the fraud evident to them. However, they continued to refuse to provide the account owner with a copy of the checks.

Previously, whenever I asked American Express why I did not receive a statement for a given month they told me not to worry; it is their policy to not send statements when there is no activity for the account. On none of these occasions when I called did they inform me that credit balance refund checks sent to me had been fraudulently endorsed.

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Pat K.
Mesa, US
Jul 10, 2011 2:36 am EDT

POOR MONEY MANAGEMENT AND LOW CREDIT SCORES...I never cease to be amazed at people who think reducing credit limits has nothing to do with the fact that they are credit risks and live beyond their means on a daily basis. Not knowing what a "perfect customer" would be, reading the complaint and diatribe that followed, I marvel that you were able to secure any AMEX card in the first place. Too many people feeling they are "entitled" sharing their woes. You need to step up to the plate and take responsibility.

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Iam Ahab
Portsmouth, US
Jul 10, 2011 2:10 am EDT

Apparently crazy people get credit cards too. How's your super-secret-illuminati-conspiracy to destroy AMEX going?
As far as the complaint goes, they reduced your credit line by 10% because you failed to provide the documents they asked for. Big deal, and it's well within their rights. I'll say this, not for you but for any poor SOBs like myself that wander into this complaint - YOUR CREDIT LINE IS NOT *YOUR* MONEY. It's the bank's money and they can decide when and to whom they extend credit. And they can change their mind, even without the reason that you gave them to.

Have fun inside your own head.

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MumLuv5
Calgary, CA
Nov 15, 2009 6:18 pm EST

Hey ScamTraxx,

I was so glad I had read your post. I FEEL THE SAME WAY. Except I am completely at a lost on what I can do. One month ago, AMEX ( Gold Business Card ) reduced my line of credit to exactly what I had owed. That was half! Now making it look like I am MAXED out. Then a week later, I get a rude call from the credit department saying they require that I FAX over my TAX forms from the past 3 years! I refused! I have NEVER been late and always made more than minimum. Despite the US economy going to the toilet.. where 95% of my business is... I still managed to survive and depended on my AMEX.

Just now, I logged on to my account. CANCELLED. You can imagine how upset I am. Why would they cancel a perfect customer who has never been late or deliquent with any accounts? They are punishing good customers?

I would join a CLASS ACTION LAWSUIT.

I will keep a watch out for your posts!

J from Calgary

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Adrian
Dallas, US
Feb 18, 2009 3:02 pm EST

I think you have some serious mental issues my friend. If you knew half as much as you think you know, then you would realize that credit criteria has changed. The scoring models with all three credit reporting agencies have changed. The risk models that all banks use have changed. And most of all, the definitions of extortion and treason have changed since you last looked at them I guess, because nothing you have written even remotely fits. How is AMEX lowering your line of credit a crime against king and country? If you are so important that this could be, then you wouldn't be this mad that your line of credit was affected. You would just go on your merry way. In fact, if you were this rich and powerful then you wouldn't be restricted to a Platinum card. You'd have the Centurion card and be able to flex your 'oh so powerful' muscles even more.

You need some rage management help and you need to get a little more realistic about how credit card companies and banks work. You say you have all this information about them, but you are clearly clueless as to how they work now. Your complaint isn't even a valid one. It is just something that happens when the economy changes and banks have to reassess how they figure risk. You would know that if you really did do all the things you say you did.

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American Express card closed, wrong info!

After just three weeks of being APPROVED and using my new American Express card, the card was promptly closed on me before the first bill was even due! The reasons they gave for closing the card were inaccurate and after sending in paperwork (my credit score and credit report from Experian, the place in which they say they got all this information) that proved the reasons were wrong, they sent me a letter stating my card would not be reinstated. Why? They used the same reasons I just proved were wrong! My favorite reason is I was past due in the last 12 months with them. Funny. I've never had an American Express card before. They've acknowledged I've never been late with them, EVER, and that that reason was a mistake but it didn't stop them from using it as a reason yet again for not reinstating my card. I will fight this until the card is reinstated as I don't want this to effect my credit score since it was based off of false information. Once it is reinstated I will promplty close the card. I want nothing to do with American Express, ever. If you don't have one of their cards, thank your lucky stars. Terrible customer service, terrible practices. And one other thing. They might have gotten rid of me because I shopped at Walmart for Christmas presents when the card was opened. I hardly ever shop there but found the best prices for toys this year. (I always pay in full. on time, and am never late) Apparently they don't like it if you shop at Walmart and think Walmart shoppers are credit risk type people. Check out Clark Howards website for more information. Stay away from American Express!

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NR1
Westwood, US
Apr 30, 2009 10:28 am EDT

My husband's card was also closed by American Express and we got to know about it when he tried to swipe his card.
They didn't even bother to inform us that his card will be closed. Thank God, he had a backup card. But why is AMEX discontinuing the card out of the blue and without giving any reason.

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American Express false pretense

American Express sent me an invitation offered credit cards application with deal that if I spend $500.00 before between December 1, 2008 to February 26, 2009 I can earn bonus points and be eligible for 2 domestic flight. I had bad experience with American Express once long time ago, but I though I give it a chance. I get approved for Rewards Plus Gold Card and earned 51, 007 points from spending according to agreement. On January 29, 2009, I received letter from American Express informed that my account has been canceled due to " I did not provide the financial document and/or income tax return information requested" and the letter also thread me with under these circumstances may result in negative reporting of this account to the consumer reporting agencies. When I applied for credit card all my personal information had been given included my work address and my home address. American Express keep sent the bills to my company head-quarter and were forward to my home address. Finally the last billing statement and the letter of cancellation come to my home address. My complaints is American Express offered with the false pretense for consumer to go and change on the credit card and then decided to cancelled the credit card and void the reward points. I was not late or over-due on the bill. I am suggesting that if anyone wants to have an American Express you might think before you do, don't waist you times and effort and get your blood pressure up for it.

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Marilyn Bloch
US
Dec 29, 2017 12:26 pm EST

American Express charged me for things I never bought. They refused me dispute resolution.

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Marilyn Bloch
US
Dec 29, 2017 12:25 pm EST

American Express charges you for things you never have bought.

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Marilyn Bloch
US
Dec 29, 2017 12:24 pm EST

American Express charged me for purchases I never made and refused to put the charge in Dispute Resolution forcing me to pay for something I do not have or will never have from Palm Beach Jewelry.

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Marilyn Bloch
US
Dec 29, 2017 12:24 pm EST

I was charged for a purchase I did not make from the Palm Beach Jeweler that I never ordered and never received and now American Express refuses to let me put it in dispute resolution.

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About American Express

Screenshot American Express
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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- Locate and click on the 'File a Complaint' button on the ComplaintsBoard.com website. You can find this button at the top right corner of the website.

3. Writing the Title:
- Summarize the main issue you have with American Express in the 'Complaint Title' section.

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- Provide detailed information about your experience with American Express. Include key areas such as transactions, steps taken to resolve the issue, the company's response, personal impact, etc.

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- Attach any relevant supporting documents to strengthen your complaint. Avoid including sensitive personal data.

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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 (888) 800-8564
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    Corporate Cards, Program Administrators Only
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    Platinum Customer Service
    +1 (800) 297-3276
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    Membership Rewards
    +1 (800) 297-2977
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    Reservations for Air, Hotel & Card Rentals
    +1 (800) 297-5627
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    Cruises
    +1 (800) 446-6307
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    Personal Savings
    +1 (800) 954-0559
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    American Express Serve
    +1 (877) 297-4438
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    American Express Gift Cards
    +1 (800) 221-7282
    +1 (800) 221-7282
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    Gift or Travelers Cheques
    +1 (844) 273-1384
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    American Express Loans
    More phone numbers
  3. American Express emails
  4. American Express address
    200 Vesey Street, New York, New York, 10285-3106, United States
  5. American Express social media
  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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