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2.4 448 Reviews

American Express Complaints Summary

145 Resolved
283 Unresolved
Our verdict: Engaging with American Express, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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American Express reviews & complaints 448

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American Express lowering credit line for incorrect and falsified reason

Have been customer with Amex since 1997, paying $450 for the Delta Reserve card and also the $150 for the Gold card and the SPG cards. Recently received a letter 'we are reducing credit limit from $25, 000 to $2600' because I have recently taken some financing from other banks to open up a business! Now, last year, I made transactions over $80, 000 in total between all cards and almost the same the year before. Again, no late payments whatsoever! I called to ask and they said I would need to provide additional information to them if I wanted to have them look at the credit again. I expressed my thank yous and said it was ok and we just continue cause I did not want a hard enquiry. A couple of days later, I paid $2, 000 to the Delta Reserve card just so I could have enough to run some Delta expenses on it. A day later I get a call from a nasty person at AMEX asking why I paid in advance (I am setup on automatic payments every month). He categorically threatened to cancel the card if I did not convince him otherwise. Next thing I know ALL MY CARDS are cancelled! All points and everything gone! I paid $450 and $150 for the cards for the year and they just did not even refund that money! I was sent to various departments including credit and the RLA department (who had cancelled the account). I was told I had 'too many delinquent accounts' 'and I was late - which has NEVER EVER been the case. I have made repeated calls to American Express to ask why and where they obtained their false information and that they have caused me a great deal of distress and wasted time contacting the credit bureaus to investigate. Also told me the reason it was closed was that I had another American Express account (a green card) and I had not maintained in terms of agreement and closed over 7 years back in 2005 which is completely falsified information. I have had no such thing on my credit report now or in the past. No recourse and I lose all points, everything and my credit is in trouble! I have no one to turn to or no way to fix this. I am appalled at the conduct of American Express and their blatant and willful misrepresentation of customer's alleged 'bad credit'.

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TXMikey
Houston, US
Oct 22, 2023 10:31 pm EDT

Wow! I thought I was the only one that had his credit limits destroyed and credit significantly degraded. Let me give some facts:

- I had 3 Amex cards - Hilton Honors, Amex Blue, AND Amex Platinum.

- I have been a member since 1986 - 37 years!

- I have not been late on payments. I have auto pay set up on the Blue & Platinum. I refuse to use the Hilton card after what I consider playing games with dates posting to my account.

- in the past month they have reduced my credit limits to what I actually owe. As I make more payments, they continue to lower my credit limits. This is a practice called “balance chasing”. Not illegal I guess, but truly unethical. I had a credit score in the high 700s. By reducing my credit limits in this way, my credit utilization became 100% on these cards. It was previously closer to 30%. These cards are now useless. I have had to open 3 new cards just to decrease my utilization rate. My credit will surely take a hit anyway.

- To add insult to injury, when I called customer service, I spent the better part of 3 hours on hold - and this is from the Platinum Card number no less! I was tossed around from one Indian to another, none of which did anything but read from a script. No authority to make decisions and afraid to allow me to speak to a supervisor. I became more enraged as time went on and intermittently swore at the non-stop automated product pushing while on hold. Try disrespectful of the customer.

- I cancelled the Hilton and Blue cards - useless now.

- I requested the $695 annual fee to be refunded on the Platinum card. I had renewed 50 days previously. No refund after 30 days. I threatened to take them to small claims court. The next day at 9 am “Special Agent —— (I will withhold his name for now) from American Express shows up at my front door banging like there’s no tomorrow. He then proceeded to threaten me in a way I can only describe as a mob style shakedown. Because I threatened to take them to court, this guy said I was a terrorist and he would put me in jail for threatening them. He went on to tell me he was a former Houston Police Department Sergeant. Is this really relevant? He then brought up an arrest I had years back (dismissed, btw) and threatened to publish it (wtf and how?). Usually in blackmail and extortion (under Texas law blackmail is a form of extortion), it’s a shakedown for money. In this case it is my reputation being threatened.

- several days later he sent me an email saying HE was cancelling all 3 of my cards. 2 of which I had already cancelled. Another shakedown threat!

-And where is Customer Service or Marketing & Promotion? Nowhere to be found.

My Opinion: On October 20th Amex stock was the biggest loser on the Dow, despite record revenue. Why? They failed to adequately reserve for delinquencies and are having to increase reserves. I have to believe the actions they are taking against customers is directly related to this risk mismanagement (algorithm based likely), I am not nor have I ever been delinquent. One final thought: They are ruining their brand badly. People spread the word about their experiences. They have lost all credibility with me after 37 years of loyalty. This should be an HBS case study in poor business practices and the impact on brand loyalty.

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paul errington
gteat yarmouth, GB
Oct 14, 2013 7:31 am EDT
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In 2000 I had an anecdotes bill for aprox 1, 800 pounds, unfortunatley my marriage broke down, my 12yr old daughter got killed, and the bill was not paid, drakes solicitors in Brighton put a charge on my house, and took 19, 000 pounds, is this fair? I don't think so

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paul errington
gteat yarmouth, GB
Oct 14, 2013 7:32 am EDT
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I meant American express bill.

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Jon T Foster
Charlotte, US
Oct 11, 2013 4:39 pm EDT

I agree with you brother!

I have perfect credit score and spend $40, 000 a month between 2 cards. We use them to buy product to resale. I have never been late and used the cards and made payments based on their own rules. One day, my card quits working and I get a phone call saying they have put a limit on my cards because of debt to income ratio. No lead time or nothing. My business plan was wrapped around using American Express. I have to go acquire new cards and that takes time, or get credit terms from my vendors, once again that takes time.

So, in the meantime I have to listen to my customer ### because I can't ship product. I am not going to pay them early just to use the cards! They could have told me to plan for a credit cap in 60 days and to plan around that. But, NO! They screwed me and don't care. I got MasterCard and VISA now. The customer service rep even had the nerves to tell me I had options and choices! UGH How does American Express stay in business?

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riptnpisd
Loveland, US
Oct 09, 2013 10:28 pm EDT

I had a gold card since 1990 and was routinely making charges of over $20, 000 per month paying it off the same month also NEVER EVER LATE and they cancelled my card last year took all of my points (several hundred thousand of them)...they won't give me a reason, just the runaround every time I've call transferring me from one department to another. My credit to a big nose dive because of their actions. They have inaccurately reported my credit limit usage etc to all three credit reporting agencies. If this is how they treat really good customers, I would hate to even be a regular customer let alone a bad one. There doesn't seem to be any recourse or penalties for their actions.

Sweetangel2
Sweetangel2
, CY
Aug 31, 2013 8:21 am EDT

Change credit card. Also because if you come in Europe almost no one will accept American Express here..

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4:17 pm EDT
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American Express Bogus offer

Amex is offering a Reserve Delta Amex card. It has a very high annual fee, but substantial benefits - supposedly. One benefit is you get 10, 000 MQM miles and 10, 000 bonus miles (which is a bit of a scam in itself, because both of them add up to just 10, 000 miles as if you flew them) upon making your first charge on the card. So I called and said I already have a Delta Platinum card, so I just want to upgrade. The guy said OK, but you only get 5, 000 miles for upgrading. I said OK, but when I did my figuring, I was assuming 10, 000 miles, so that changes things. Let me refigure, I said, and we said goodbye. I called later the same day and another customer service guy told me that since I already called and didn't take their offer on my first call, the offer was no longer valid. So I could sign up, but now instead of 5, 000 miles I would get zero. Are they nuts? And I've been a loyal customer for years! I don't understand that kind of horrible, illogical customer service.

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American Express late fee and finance charges

I have been an American Express card holder since 1983. I missed making the credit card payment by one day and I was charged a late fee and finance charge to my shock. I called the customer service and talked to a rep about the charges. She started telling me about company policy and why I was charged late fee and finance charges. I asked her to waive the charges. She said she can waive the late fee but not the finance charges and she has to get a supervisor. The supervisor started telling me that they cannot waive the Fee or the Finance charges because they did it once before and it is only a one time courtesy and he refused to waive the late fee and or finance charge. Their customer service lacks integrity. I have decided to cancel the card.

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Monty541
, US
Jul 20, 2013 7:31 pm EDT

Their customer service lacked integrity? Why, because you didn't get your way? You paid late, you got a late fee, and they didn't reverse it because you've gotten late fees in the past removed.

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American Express internet harassment

I was followed on the internet for 6 months by timothy curtin law firm located in atlanta, georgia. The # [protected]. They are in collection. And client is american express. I was harassed in a very evil and vindictive horrifying way.

I have a debt with them and unfortunately had a (Bulging herniated disk) that is very painful and has been keeping me down. I had an mri and have record. I was in the printing industry and trying to get better at my residence. There are a lot of things I can do on the computer I have. However not for too long and sometime not at all. The last medical adviser said I could apply for disability. I do not want that. Hope not to.

I’m 47 and want to get back to the field of my major after years of customer service, billing, and was going well when they interrupted and honestly scared me for 6 months.

The harassment started on twitter then youtube. And everywhere else. My partner and I have been together for 23 years and live in midtown. We have actually been pillars of the community. We own and pay high taxes. Always done as much as possible even volunteer in making tons of calls in election four years ago. However we were younger and healthier then. Now slowing down.

I was followed on these sites and harassed. At first I had felt so much evil from what they were doing. They were able to access photos of mine. They took them and altered them with by adding other people in them. They used my photos and created similar videos on youtube. If you know youtube. I have a channel and when you search it would bring up on the side videos suggested for you. So I followed in horror. The more I followed the videos the more private information I would see. Like my partners name and mine. Family names repeated. The images were red tone in color and the people looked fake.

I can tell fake and bad quality design because of my print experience. My partner took a break and left during holidays and my back was at its worst. So I could not go anywhere. I was fine with that and just wanted to work on my projects. The imagery got so bad and gave and complete statements when I went to the aol help page. I had felt and did find more. I was named a nobody.in the body of text in the web pages. Homophobic and for war against our president.

Clearly stated. You on the phone with your mom talking about a tech savvy friend to help. There was a loop in windows 8 that allowed access to private pc. Worried that you will loose personal information.

I knew it was a hacker and not a loop hole. I was terrified and called the police. The agency obviously set it up. The police acted confused as who called. And forced me to be evaluated taking my insurance information. I will have to let you know about the bill. I was kept in emergency area of hospital for about 4 hours. Of course just terrified. The physical concern I have is my back and no other concern except a bit depressed. However became so depressed by there harassment. I could barely move due to my back. I have been so scared and became their prisoner for six months.

They became lesser of a concern with new privacy adjustments and actually on a chat site for friends they reviled more. I confronted recently on the net in a long message.

I hope they have stopped I need to work at my residence. I like my work and avid pc user.

They interfered as a hacker that could be dangerous in many ways. There is not much I could do, so I suffered through. At same time my back at its worst. An aunt that was in serious condition and parents that were upset I could not visit during the holidays.

I just hope you can announce or help in a way so that if any one other individual of god stuck at home, not well, and alone will not be harassed to the point of horror for money.

It must have cost a fortune for them to do this. And really disturbing.

Thank you so very much and most sincerely,

An avid fan

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American Express account is locked

So I have used my card for months with no complaints except the inability to get cash back and the face half of my utilities don't take AmEx. While I'm at Wal-mart last night I put $500 in cash on my card so I could pay some bills in the next few days. Then I wake up today, less than 12 hours after my deposit, and my whole account is frozen because I made one transfer from my brothers debit card onto my account for $80 2 weeks ago. We thought it was a convenient way for him to pay me for his cell phone bill. The lady tells me I broke the terms and conditions by depositing money from someone elses card. She was right, though I had no idea that was a no-no. It does say it in terms and conditions, the problem is it is surrounded by 10, 000 other words, and it says casually to deposit money from a card with your name on it. It doesn't say DO NOT deposit from another card. So now my account is locked permenantly because I broke one of the rules that is like a line drawn in the sand she says. Yet she wants to call the bank on my attached debit card to verify those deposits and my brothers. Whats the point if the line has been crossed? She gave me a number to call and could not tell me when my card balance would be returned to me. Now my main problem is I have my direct deposit hitting tomorrow. I have already called payroll and the money has already been sent to the bank/card and its too late to reverse it. I call and they can't hardly talk to me because my account is locked but the guy thinks the deposit will be rejected but he's not sure. It better not go on the card and get frozen. There is no way I am just letting them have 1000 of my money. If anyone has found a way to get anything accomplished any help or advice would be greatly appreciated. Don't just say your money is gone forever because I read every word of the terms and conditions since this morning and nowhere does it say you forfeit all deposited funds if this agreement is broken. Not to mention the legalities of keeping someone's money. Any help would be appreciated

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FH0727
Miami, US
Mar 06, 2014 11:42 am EST

BlueBird American Express are liars. I sent my tax refund
check to them. The money was supposed to be in my account today. I called them
and they stated that the check was returned to me and that I should of received
an email. I never received an email. I stated that to the rep. Then she stated
that the reason it was returned was because the irs put a hold on the check. I
stated that I will call the irs and call them back. The irs stated that the
check had no problems that the rep lied to me. I called bluebird back spoke to
3 different people including a supervisor, who just tried to get me off the
phone and transferred me without me telling me the reason my check was sent
back. The other two reps also could not tell me the reason it was sent back. I
started an online petition at
http://www.change.org/petitions/president-of-the-united-states-and-federal-bureau-of-investigations-and-internal-revenue-services-investigate-and-shut-down-netspend-and-bluebird-american-express
Please sign.

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American Express - fraud

This company Your Centurion Card www.yourcenturioncard.com offers to get you a Centurion card which is a Black American Express card by adding you to his account as an additional card holder. The interesting thing is American Express has a limit on additional card holders for the Centurion Card. What that means is a individual card member which he states he...

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American Express misrepresntation of bonus rewards

Received an offer for AmEx Gold card for my busienss. if I spent $5, 000 by February 8th, 2013, i would receive bonus 50, 000 Membership Rewards points. Have spent over $5, 000, within the time period, and AmExp is now saying the end date was last month. I have all the support documentation and these jerks are saying it doesn't matter, i was signed up to a different promotion. Not only that, have been trying to get someone ther eto accept copies of my documentation, and no one cares. What a piece of crap. Doubtful I will be renewing this card when the year expires.
Disppointed Customer

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American Express unexplained missing money

I had put $100.00 on my new American Express Bluebird prepaid debit card and randomly used it for various purchases, and then a few days ago I logged onto my online account and discovered that I had spent about $80.00 but only had a little under $6.00 still available. Nearly $15.00 of my money was unaccounted for! However, since then, the mystery is clearing up. From what I have learned online, etc., money can be set aside as unavailable while unstated transactions are clearing. It is also perhaps possible that more money than was actually spent may be set aside until the transaction actually clears. As of this date, $94.11 of my purchases are properly accounted for, and I'm waiting for more detail about $5.00 more in pending charges to a company that apparently has something to do with the vending machines where I work (USA Technologies is the vending machine-related company). In all, this was more of an unwanted education than a complaint, and I may actually end up loving this card after I get used to the quirks.

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American Express bait and switch on lowest price guarantee

I recently made a room reservation via Amex Travel on the phone about 3 weeks out from date of check-in. The first thing I mentioned to agent was that I remembered seeing Lowest Price Guarantee on the room/hotel I was interested in. The booking agent said to submit the claim after making the booking and before the cancellation policy applies. This indicates to me there is some time between making the booking and cancellation kicking in.

I submitted the claim minutes after making the booking. Amex claims that because the room reservation is not cancellable, they will not honor the lowest price.

Amex should never have offered the Lowest Price Guarantee for this hotel/booking. It is impossible for ANYONE to be able to submit a claim and get a refund on the price difference. Maybe that is the idea? I cannot imagine that a company like Amex with a stellar reputation would stoop to a bait-and-switch tactic.

If I am offered a booking with a price protection and informed I should submit a claim before any cancellation penalties kick in, it is understood that there is a window of time between making the booking and when the cancellation penalties kick in, allowing me to submit the claim.

It is truly shocking they have stooped to this level.

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American Express auto payment

I want to say something about AMEX. Their Auto Payment feature is very bad. It doesn't recognize when you have paid the bill early and it will bill you again for the amount it has due, even when you have paid it days earlier. Many people are complaining of this problem and Amex refuses to address it. What makes matters worse is Amex will only send you a credit check out. They won't credit back the money. Basically they are getting interest off of that money until the check they send you clears. I'm going to continue to post this everywhere until they address this. This is bad business which I know will lead to many people cancelling memberships. We need to stop using credit cards unless we have no other choice. We have to hit them in the pockets the way they do us.

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American Express poor customer service and no follow-through

Let's see after about 1HR! on the phone with different representatives... at the end it seems I could not get a hold of a supervisor at all! I just applied for the blue cash and heard it was a decent card. After two months of waiting and getting letters about additional information/confirmations needed- I was relieve that today it would all be taken care of- I WAS WRONG! I had to play phone tag, be transfer to numerous individual, one who shall not be named told me to call back- I refused as I had waited so long. If the service had been better, I might have overlooked the wait, the back and forth; however service is by far the worst I've had in years!
I asked to speak to a supervisor at the end and again, I waited and finally got a hold of a supervisor who said she is not the one I need to speak to and transferred me- again I waited. Someone came on and after several " I can not hear you" she hung up and I called back with more wait time.

I am reconsidering this card membership! what a shame, I haven't even receive my card yet. Imagine if service is this poor while they are trying to get me to sign up- how bad it would be when I have an issue or concern?

Is there a better way to make sure that things work out for the best next time? Is there a direct number to call to make sure I speak to someone who knows what they are doing instead of being transfer back and forth and spoken to like I am a child?

Not very happy and at this rate, NO. I will not recommend to anyone I know. I just hope it was all worth it for me. Please reconsider this membership if you value time and headaches!

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American Express offer to return card

I had an American Express Platinum card. I did fall behind but agreed to pay in a timely manor. I did pay all payment exactly on time and never fell behind. They promised to give my card back with miles on it if I keep paying on time. I paid them and they did have a credit on the card in June and July cause I keep paying on it. They then sent me a letter saying that if I paid for it they would reinstate my card. It never came in. I called and Zwicker and Associates told me to wait a little time more and it would be returned to me. I called American Express last week they said that would not reinstate my card. I have their letter stating that they would.
First how many other people have gown through this deception. I think its false advertising. Come to look back at this the are being deceptive to collect monies owed. I would have paid them any way. This should be illegal or something promise the sky and let that gray cloud hit you again.

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American Express annual membership fee

American Express recently changed the agreement to my credit card. I felt that this was unjust as I had a satisfactory credit line with them so I cancelled the account. When I cancelled the account, I told the agent that I wanted my annual fee refunded - $95.00. I was told that it would be credited to my account. The next month I did not receive my annual fee so I called again and was told by another customer service agent that my fee would show up on the next month. This month the fee is not refunded, so I called again and was told that I needed to have done this within the first 60 days. After 60 days, they are going to stick their customers regardless. They are the ones who changed the terms to my account. This seems with the outrageous membership fee and what they charge for interest they should be set for life.

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American Express poor service

I recommend that anyone considering purchasing an American Express/ Bluebird prepaid debit card that you steer clear of doing so. They misrepresent their services for this card. Stating you can reload your card for$1 and then you are unable to find the reload cards. The card costs $5.95 up front and then no fees after that except a reload fee of $1. Then when you can't find any refill card because the company no longer offers the reload option they will try to sell you another card for another upfront fee and then the only way to reload is to buy a greendot card for $4.95 every time you want to reload the card. This is false advertising and misrepresentation. I recommend you never use their services. It's a scam.

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American Express refund claim for travellers cheques - deceased purchaser

On going through papers of my father, who died in February 2006, I find that on July 24, 2006, my mother has sent to American Express Travel Related Services Company - Redemption Unit - World Wide Traveler Cheques Operations Center, Salt Lake City, Utah [protected], USA, through R Net Worldwide Courier, five American Express Travelers Cheques Nos. RA 183.184.335, RA 183.184.336, RA 183.184.337, RA 183.184.338 and RA 183.184.339 of one hundred Dollars each purchased by my deceased father, SHAMSHER KASHYAP, for refund with Refund Claim for Travelers Cheques - Deceased Purchaser duly completed along with the required documents. However, my mother has not received the refund so far or any communication in this regard. I shall be grateful if you would kindly look into the matter and let me know at my Email ID [protected]@vsnl.com. Thanks.
Nita Sanjiv Jhurani

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American Express no refills available

American Express recently came out with a new prepaid debit card called Blue Bird debit card. It has no monthly fees and no purchase fees. Basically the only fee it has a $1.00 reload fee with their reload cards. The problem is they came out with this card and it was sold through Walmart. Then after a short time the cards were pulled from Walmart but the problem is they offered no other outlet for their reload cards. After contacting American express they had no answer except that I could reload it through my checking account. If I had a checking account I would not need a prepaid debit card.

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Barrymagic Alatm
, US
Feb 12, 2017 3:26 am EST

Mr wilson Nicholas who lives in the UNITED
STATE OF AMERICA, i want to use this meduim
to thank Mr BARRY DAVID who help me with an
already hacked atm machine card and i was as
poor without funds so i was browsing one day
and i saw somebody testifying how Mr BARRY
DAVID help him from being poor to a rich guy
through this already hacked ATM card and
today am also testifying on how he helped me.
i never believe in it until they send me the
card which am using today if you want to
confirm or you need his help, you can as well contact
him through his email address. i want you
to work hand in hand with him and you will
leave the life of being poor to rich this is his email
address barrymagicalatm@gmail.com
. contact him now he is ready
to supply you any amount of the card you
need.

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Teresa Peterson
Cordele, US
Mar 14, 2014 7:50 pm EDT
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It's so ridiculous, my funds been pending for a couple of days and I need them lifted the hold off my own money, I have bills that needs to be paid, and I always catch hell with Bluebird and Directv, I'm about to find me another prepaid cardholder to deal with, I'm sick of the hassle about my own money!

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FH0727
Miami, US
Mar 06, 2014 11:47 am EST

BlueBird American Express are liars. I sent my tax refund
check to them. The money was supposed to be in my account today. I called them
and they stated that the check was returned to me and that I should of received
an email. I never received an email. I stated that to the rep. Then she stated
that the reason it was returned was because the irs put a hold on the check. I
stated that I will call the irs and call them back. The irs stated that the
check had no problems that the rep lied to me. I called bluebird back spoke to
3 different people including a supervisor, who just tried to get me off the
phone and transferred me without me telling me the reason my check was sent
back. The other two reps also could not tell me the reason it was sent back. I
started an online petition at
http://www.change.org/petitions/president-of-the-united-states-and-federal-bureau-of-investigations-and-internal-revenue-services-investigate-and-shut-down-netspend-and-bluebird-american-express
Please sign.

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CindiRad
kelly lake, US
Jan 08, 2014 9:24 am EST

These people called me last night implying that someone was trying to open an account in my name from Florida. I've never had an American Express card, much less the "bluebird" card. I called my local police department and reported the fraud and was given an incident number. When returning call back to [protected] the gentlemen on the phone requested my ss# to track account ... wtf. So I reported this con to the local police dept. and to my bank. DON'T purchase this card, or even call this number back and give them any information.

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madasheck.com
akron, US
Sep 08, 2013 7:45 pm EDT

I just ordered the card and it was frozen three days after I had put a deposit on for 1000.00 and when I tried to use it. It was declined so when I called customer service I was told that it was frozen a month ago but if that was the case then why take my deposit then and now I have to wait 7-10 days to get my money and I better get it on time too.

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SPMom
Charlotte, US
May 30, 2013 8:56 am EDT
Verified customer This comment was posted by a verified customer. Learn more

On April 27, 2013, $300 was fraudulently "transferred" from my account. I contacted Customer Service and within an hour, the money was replaced. I asked them if I should close the account. I was told to change my password and everything would be fine. They even stayed on the line to verify the password change was successful. On May 29, 2013, I again contacted Customer Service. This time $1, 000 had been added to my account via a Wells Fargo account that wasn't mine. By the time I reached them, 2 withdrawals of $500 each had been made. The ladies in the Accounts Protection Department did an "investigation" while I was on hold. After about an hour, I was told my account was being closed as someone had breached security (assuming it was my computer) and they would not re-open it. They agreed that all activity before this was typical retired suburban housewife type online purchases...ie...Amazon, Etsy, etc. and that all funds were deposited at the same location which was less than 5 miles from my house. Don't get me wrong, I certainly understand and agree with closing the account. What I'm upset about is that they do not want to return the money that was deposited on the card by me. The balance had remained unchanged for about a month until this mysterious funding source appeared. The $1000 was deposited and withdrawn within minutes, leaving the original balance untouched.

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Jeannetta123
Malden, US
May 14, 2013 8:06 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I reloaded my Bluebird card at a WalMart but when I went online to check the reload, I found that my account had been hacked. I had not used my card in more than 45 days and had not looked at the account. When I called Account Protection, they told me it was MY fault and that I had to have given my password to someone. They will not refund my cash reload! What a rip off! They locked my account and said I could not get a replacement account,

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dereuter
Dalton, US
May 10, 2013 10:03 am EDT

I reported some fraud on my account...there was someone in Mexico making withdrawals...they LOCKED me completely out of my account, with no access to any of my funds. they dont really give you an answer why not make your other funds available. Account protection is of no help. they say submit list of suspected fraud charges. I CAN'T GET INTO MY ACCOUNT to give them that and they wont UNLOCK the account until the fraud is "resolved!"

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Bluebirdjosh
Phoenix, US
Mar 26, 2013 12:57 am EDT

I just found out tonight my account has been locked for no reason. No phone call, email, notification, nothing. No indication whatsoever that my account has been locked. Called customer service only to be told to call account protection at [protected]. Well I hope these jackbirds can unlocked my card before I have to go to work tomorrow because I have to put gas in my car which will be impossible since my card will be declined... WHY DID THEY LOCK ME? I feel oddly violated and helpless knowing all of my paycheck is trapped on this card and I can't touch it. I don't like this feeling at all.

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BlueBirdHater
Kingston, US
Mar 08, 2013 12:32 pm EST

If you want your paycheck Direct Deposited so you can probablly get it early dont use these idiots. I could have drove and got my damn paycheck and cashed it before these idiots would have it Direct Deposited. What a freaking JOKE! Non English Speaking Idiots!

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American Express abusive aggressive fraud department

We closed both our American Express personal and merchant accounts after 21 years with the company. Our account was flagged by an overzealous Amex Fraud Department who felt one charge looked funny. Our account was frozen without any notification. When my Wife called to find out what was wrong the Woman who heads the department was immediately aggressive, condescending, and proceeded to threaten my Wife with damaging her credit by closing our account - unless we did exactly as she said. She told my Wife that she could not call anyone else for help and that each call would be routed directly to her, so we may as well not bother to go over her head. This woman was so cruel that my wife broke down in tears on the phone, and she is no shrinking violet by any standard. For 21 years we have been model customers, on time with our payments and never had any adverse issues with Amex. For Amex to mistreat us in this manner is an unacceptable standard of business practice. We talked to several CSR reps who were sympathetic and empathetic but had absolutely no power in regard to straightening the problem out. Amex's own employees were horrified by our experience and did their best to help, but my impression was that the FD runs things without much oversight. In the end we decided to pay off the total debt and close the account on the spot before the department head could follow through on her threat to purposely ruin our credit for "non-compliance". It is our humble opinion that the employees in that department need further training in their people skills set and anger management. I will never again do business with that company as either a private individual or as a merchant. They say the best message you can send to a business with poor standards is to vote with your feet, I agree wholeheartedly.

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American Express poor customer service

I have been a loyal member of American Express since 2002. I have one other credit card than American Express and have a credit score of over 800. Last month I paid my card off in full however did it after the midnight cut off. I called to see if AMEX would work with me to credit the $25 late fee and the $47 in interest charges and they declined. Discover Card accomodates and I never have issues. Amex is not worth the money if you are looking for a credit card.

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Melindadelfuego
, US
Aug 25, 2012 5:56 pm EDT

I just cancelled my American Express card due to their poor customer service about a payment 'glitch.' They did not receive a payment I mailed way before due date- I figure it's lost in their mail somewhere. All other usual monthly bill payments I sent that day were received. The next month's American Express bill charged $25 late fee + $22 'interest.' They would not work with me to cancel these charges, even though not my fault and I've always payed the bill IN FULL every month since opening the account in 2006. Avoid American Express.

The Lidman Foundation
The Lidman Foundation
Lewisville, US
Aug 04, 2012 7:54 am EDT

Oh mama, I'm in fear for my life from the long arm of the law
Lawman has put an end to my running and I'm so far from my home
Oh mama, I can hear your crying you're so scared and all alone
Hangman is coming down from the gallows and I don't have very long

The jig is up the news is out they've finally found me
The renegade who had it made retrieved for a bounty
Never more to go astray
This will be the end today of the wanted man

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American Express customer service, fraud

I had filed an earlier complaint with the CFPB regarding American Express asking for my tax return information from the last three years. I found out why this happened- I received an AmEx Delta Miles Gold card, and shredded it and the paperwork without even looking at it, thinking it was an unsolicited offer from AmEx. About three days later, finally, on about my ninth call to American Express regarding this matter, I found out that there was a second person signed on to the card named Arnold Gonzales. I don't know any Arnold Gonzales and have no idea who that is. However, yesterday morning, when I was getting my mail at my mailbox down the hill, the mail delivery person was there and I gave her back a letter that was in with my mail- it was sent to MY address in the name of Arnold Gonzales and was from American Express. I did also have the three credit agencies put a 90-day fraud watch on my credit account. My original AmEx card and this Delta Miles Card I never applied for were both cancelled by me immediately. Why would someone named Arnold Gonzales try to defraud me by being a second cardholder on this Delta Gold Card, then send it to me, and then have a letter sent to my address in his name? The only way I can see this making any sense is either a mistake or fraud within American Express by one or more employees. They supposedly do not send out cards to two different addresses(or maybe they do) so how would someone named Arnold Gonzales know the number on the card? The problem at American Express is, when I first found out about a suspension of charging privileges the same day I received the Delta Gold card I never applied for, I wasn't able to call them until the next day. I kept asking for the reason they wanted my tax return information to verify my income and received answers like "it's in the card agreement" or "we're a bank holding company, not just a credit card company, so we ask for tax records to verify income." Well, every credit card I've ever received has been through a bank so I don't know what they're talking about. As I mentioned, not until I had called back about 10 times did someone in their customer service department mention the Delta Gold Miles card and put me through to their fraud department. And it wasn't until days had gone by, when I received a letter from American Express regarding the financial documents they had requested, that a person in their Financial Services dept. happened to mention, after I called yet again, there was a co-signer on the card named Arnold Gonzales. Had I known that information when I went to my mailbox, I would have realized what was happening when I received this American Express letter addressed to Arnold Gonzales at my address. So they never gave me this information- luckily, since I never activated the card and cancelled both my American Express cards, because they showed the card as being open even though I never activated it, no charges were ever placed that were fraudulent. And, if the people at American Express had questions about my income when I supposedly applied for a second card, why wouldn't they ask for my income verification first before sending out the card? The entire thing seems very, very odd.

I called again to try and tell financial services and the fraud department about Arnold Gonzales, but when the financial services department representative tried to transfer me to the fraud department, they told him that since the accounts were closed, so was the investigation. So let me get this straight- I closed both my AmEx cards because of fraud, or what I really believe to be an internal or external security breach at this company, and so the fraud department closes the investigation into the fraud? I had an American Express card for nine years- they have now lost my business for life. Shouldn’t their fraud department want to get to the bottom of this before someone using the name Arnold Gonzales just moves on to another customer? Oh, and by the way, I got two different stories at different times- one- that cards on the same account would not be sent to two different addresses and that yes, they could be. The security and/or efficiency at all levels of customer service is sorely lacking. And, a second cardholder, according to the card member agreement, was only to be added at MY request. Never did I apply for this card, let alone ask for a second card-member to be on it. So American Express is also in violation of their own card agreement. They SUCK!

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Bruce Christenson
, US
Jun 19, 2018 2:50 pm EDT

Re: Bruce Christenson
card ending 2009

On Tuesday June 18, 2018 I received a fraud alert from your company regarding a attempt at a Velero service station, I had used my card to purchase fuel but pushed the premium button on the pump rather than the one for regular gas. I immediately shut the pump off and then tried to initiate another transaction but the pump would not accept my card. I think I pumped less that a gallon of gas but your fraud alert stated that an attempt was made to charge $100 which was not the case, if you could have someone from your office contact me I would appreciate it.

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American Express failure to cover car rental damage

Have been a customer of American Express since 1987. My wife and both carry gold cards and pay hefty annual fees for both. I got the business card to aid in separating some business expenses. Went to Mexico put original rental on wife's personal card. Had a slight scratch with an curved outward curb when exiting a parking space minor damage. Called Amex immediately told both cards were COVERED PERIOD. Talk to 3 different reps getting claim started and getting claim no due to phone cut offs in mexico. Each rep said same thing covered period got claim no. same. day. Submitted all paperwork the day after i got back in states. Weeks later asked for some of same papers stating they did not receive it. Re-faxed told claim was in process not to worry. Then a one-page denial of coverage in Mexico on business gold card which I used to take care of transaction on way out as wife was waiting with luggage and given wrong information. Told situation to Ms. Martinez she said would listen to call records - did not or lied because she said no rep said i was covered. Passed me to her supervisor ms. farling asked for legal dept would not give the name and would not respond until i wrote a complaint letter to NY. Ms. baldwin said she would do so did not as well and said insurance would now handle it and possible give me relief "from a consumer standpoint". did not just billed me. Terrible customer service, terrible card, don't pay the annual fee to have this is your wallet. Just use the personal card. Used to have superior customer service now just poor. Don't care about customers don't think they have to give you legal info and told recorded phone calls only proprietar to american express. Can only get with a subpoena. What a Terrible Company and a Terrible Experience for a small claim of approx. 572.00 not even substantiated by Fox Rental Car with repair bill or fleet log showing loss of use.

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mlan
, US
Sep 25, 2012 11:04 am EDT
Verified customer This comment was posted by a verified customer. Learn more

You are right, Amex does not really care about their customers. I had a bad experience with Amex who quoted me a foreign exchange rate on the phone, which is different from one I was billed. I was detrimental reliance on the quotes of the rate Amex gave to me and decided to purchase the products via Amex card . I had to take time to write several letters to Amex and to make several phone calls to Amex for a dispute. Disappointedly Amex closed my dispute case despite of my request for a compensation. Now I have to pay about $2, 000.00 more that could have been avoided (I would have not bought the products If I knew the quote of rate on the phone was a mistake – up to today Amex executive has not admitted it was a mistake)

American Express Customer Reviews Overview

American Express is a globally recognized financial services company that offers a wide range of credit cards, travel services, and other financial products. The company has a strong reputation for providing excellent customer service and innovative products that cater to the needs of its customers.

One of the most notable features of American Express is its rewards program, which offers a variety of benefits and perks to cardholders. These rewards can be redeemed for travel, merchandise, and other valuable items, making American Express a popular choice for frequent travelers and those who want to maximize their spending.

In addition to its rewards program, American Express is also known for its excellent customer service. The company has a dedicated team of customer service representatives who are available 24/7 to assist customers with any questions or concerns they may have. This level of support has earned American Express high marks from customers who appreciate the company's commitment to providing top-notch service.

Overall, American Express is a highly respected financial services company that offers a range of innovative products and services to its customers. With its strong reputation for customer service and rewards program, it's no wonder that American Express is a popular choice for consumers looking for a reliable and trustworthy financial partner.

American Express In-depth Review

Overview: American Express is a renowned financial services company with a rich history. It offers a wide range of services and products to cater to the diverse needs of its customers.

Customer Service: American Express excels in providing top-notch customer service. Their response time to inquiries and complaints is commendable, and they offer various support channels such as phone, email, and live chat. The customer service representatives are known for their friendliness and professionalism.

Card Options: American Express offers a variety of credit card options, each with its own set of benefits and rewards. The annual fees and interest rates associated with these cards are competitive. Moreover, American Express cards are widely accepted worldwide, ensuring convenience for cardholders wherever they go.

Membership Rewards Program: The Membership Rewards program offered by American Express is highly regarded. It provides a wide range of rewards in categories like travel, shopping, and dining. The redemption options are flexible, and the program offers great value for money in terms of earning and redeeming rewards.

Global Acceptance: American Express cards enjoy global acceptance, making them a reliable choice for international travelers. The coverage and availability of American Express acceptance in different countries and regions are impressive. In comparison to other major credit card networks, American Express holds its ground in terms of acceptance.

Security: American Express prioritizes the security of its customers. They have robust fraud protection and detection systems in place. In case of unauthorized transactions, they have liability policies to protect cardholders. Additional security features like virtual card numbers and purchase protection further enhance the safety of transactions.

Fees and Charges: American Express cards come with transparent fee structures and policies. While there are annual fees, late payment fees, and foreign transaction fees, they are competitive compared to other credit card issuers. American Express ensures that customers are well-informed about the fees and charges associated with their cards.

Online Banking and Mobile App: American Express provides an excellent online banking platform and mobile app. Both are user-friendly and easy to navigate. They offer various features and functionalities, including account management, bill payment, and transaction history. Integration with other financial management tools adds convenience for users.

Merchant Services: American Express offers comprehensive merchant services, including payment processing solutions for businesses. The fees and rates for merchants are competitive, and integration with point-of-sale systems and e-commerce platforms is seamless. This makes American Express a reliable choice for businesses.

Overall Satisfaction: Overall, American Express leaves customers highly satisfied with its services. In terms of customer satisfaction, it stands out among other credit card issuers. It is recommended for various types of users, including frequent travelers and small business owners, who can benefit from the wide range of services and rewards offered by American Express.

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