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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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12:03 pm EDT
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American Express autopay

5 letters to Amex, last ones to CEO's:
Steve.[protected]@aexp.com
Judson.C.[protected]@aexp.com

Auto pay is designed to generate late fees and finance charges. Sign up takes 45 days, any changes you need to cancel and re-apply and that takes another 1.5 billing cycles. Amex computer pay site AND autopay are not linked. So your bank account info such as default bank, will not be same as autopay, (if you have more than 1 bank account) Two separate companies, yet on same site! Amex is behind the software update time frame. Also notice when you sign up to auto-pay it defaults to the 20 day payment date? That is designed to generate last day to pay bill, so if there is a problem, too late for you to phone or do a computer payment. Zap with late and finance charges. I even tried to pay ahead and Amex wont take $$. For Email addresses go to Corp. site and look at media contact to get email format and then to corp management site to get names!

Any changes to auto-pay takes 1.5 billing cycles! Poor. I have made changes to Auto-pay, and thinking that industry standard is 3-4 business days for payment changes, I get late fees and finance charges, because American Express is not consumer friendly. Your online site NEEDS updating, code script re-written, Auto-pay and online computer pay sites linked to share information. Or BOLD CAPS DISCLAIMER informing consumers any changes will take affect after 45 days! Your own customer service reps agree site is poor, and designed to generate fees for Amex. I've sent the normal letters to "Email Us" as viewed in the attachment, noting my frustration on Amex lack of updating software. I even try to prepay my outstanding balance, by $2000 to have a credit balance and can't! I have to wait for a billing cycle? A customer wants to give you money and Amex won't take it?

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Marklashendock
, US
Jun 21, 2018 6:36 pm EDT
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American Express - Bad experience:
After 32 years as a member I have had it with American Express and today canceled the card.
Over the past two years American Express has converted my billing to electronic system automatically without my consent. And then my US mail delivery of us statement was discontinued without my consent. Then American Express failed to deliver an electronic notification of a due bill. And proceeded to charge me late fees month after month after month. This has happened four times. Today I got fed up with their failed business practices and canceled my card after 32 years of ownership. That was in April 2018 now and June 2018 I received another bill from them after having canceled my card in April for $226.95 with compounded late fees and after never receiving statements from American Express since January 2018. So I had to call again today in June to dispute this charge is for an account that was canceled in April. Of course, that entailed an hour or more of time on the phone been put on hold being passed on to other people put on hold past and additional people I could I could speak with someonet o resolve The matter. So now they tell me that now my account is cancel it wasn't canceled back in April but is canceled now I was successful however to have them waive the late fees because they did not send me a paper statements in in the mail as I required. American Express is dead to me finally after 32 years and two months. I never want to deal with this company ever again in my life.

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LMFL
, US
Dec 03, 2013 3:17 pm EST
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This is the same story as mine. Absolutely, hands down, the worst customer service I have ever had with a credit card company. The "update your bank account" link will ONLY update instant payment and not autopay. However, you won't know this because nowhere on the page does it say that you also have to update your bank account information with autopay as well. You won't know you needed to have done this until they send you an email AFTER it's too late to do anything about it. I got charged a $25.00 fee. When I explained to the customer service rep and then her supervisor that I indeed updated my bank account information correctly they kept repeating over and over that I also needed to have updated in autopay. I kept asking how I was supposed to know that when it didn't indicate that anywhere on their site. They just got beligerant and told me that it was my fault and proceeded to lecture me on how I need to be more aware of where my payments were coming from. I could not believe what I was hearing. I still don't think they understood the problem. Account is being closed ASAP! I will only use Discover from here on out.

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SriP
, US
Oct 29, 2013 6:06 pm EDT

These guys are idiots...I was kicked out if autopay for some reason that I still was told and charged me fees...I am canceling my card - absolutely worthless customer service.

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NKP1
, US
Feb 25, 2013 9:52 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I had the EXACT same problem. Spent hours on the phone. I have a recorded conversation with them. Even with the CORRECT bank info (verified by them 4 times), their system wouldn't allow me to make an electronic payment. I couldn't pay them and they were charging me interest. Definitely a racket! They don't even care in the end if you stick with their card or not. I've had amex for 5 years but I think this is it!

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10:43 pm EDT
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American Express cancellation

Feb 22, 2009 reservations made Double Tree Hotel.
May 27, 2009 Called to add a second person to the second room.
Diana at American Travel cld the hotel. Put me on hold. Upon return told me the hotel was not accepting resrvations, closed to college students month of August. I said, when we get there we won't have a place to stay. Answer, yes, therefore I cancelled the reservation and asked if my credit card would be credited, she said yes.
Now I see I am being penalized for the cancellation. Question how can one be penalized when there would not be a place to stay in August.
5/30/09 cld American travel again spoke with Clifton who cld the hotel and came back with a different story. They were honoring the rooms already booked. Now why did Diana tell me different? I would not have cancelled. Misinformation was given and therefore I should be credited the $540.92 to my American Express card. This penalty should not be applied in this case. This is still May several months from August and not a last minute cancellation. Misinformation was communicated therefore I should expect to see a credit on my credit card. Thank you for your prompt attention to this matter.
I may have to take this to a higher authority if not resolved.
Check google and you will see UMASS Lowell has aquired Doubletree.
Your American travel reps need to understand and communicate the americans in the way Clifton did. Diana did not inform correctly nor clearly.

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7:06 am EDT
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American Express notice of future card charge refusal

I've held an Amex card since 1976, loved the convenience of being able to charge and pay in full each month whatever amount I needed to, use the rewards system etc. I gave each of my daughters their own card under my account so that they would have an emergency fund. I signed up with Amex Open/Blue i 2002 when I started my own business. Always paid on time, excellent credit rating. In May 2009, I started getting pressured by Amex Blue to pay off my business balance under the guise of offering me a 'promo', so that they could lower my credit limit. On my Platinum card, I've charged tens of thousands of dollars each year and today I received this email "
The balance on your account has reached a level where we must suspend your charging privileges."

The charges were $811! I called them and was told that my 'charging privileges' were based on my previous 6 months, that was news to me. I don't even want to think of my reaction if I were to be put in the situation where I would need to charge a purchase and getting it rejected - how embarrassing. I'll empty my rewards account asap and then will cancel, don't need that type of harassment from a financial 'partner'!

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Wronged in Harlingen Texas
Harlingen, US
Jul 04, 2009 6:56 pm EDT

AmEx sent me the same email last night, time stamped at 7:30pm. NO phone call, NO letter...just this unjustified email. I have previously charged thousands of dollars per month, of business travel, airline tickets, hotel, car rental, and of course paid it before the amount was due each month. The current charges on my AmEx Green card is $600.00. I am "voting" with my right to use whichever card I choose by the card issuer that deserves my business. I have always been treated well by them for many years, UP UNTIL NOW. Doing the same, emptying my rewards points, paying off the card and not using it anymore. Wronged in Texas...

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goinLAte
Los Angeles, US
Jun 29, 2009 7:40 pm EDT

i got the "phone call" this morning at 8:30am... demanding my balance of $1550 be paid immediately, so they could "unfreeze" my card. The bill isn't even due for 3 more days!

And then I though about it... they are trying to punish me by not allowing me to use their card. Oh well!

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Jason
Dallas, US
May 28, 2009 10:54 am EDT

I charge and pay off about $4K a month on my amex, never carry a balance. I am dreading that same email.

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1:45 am EDT
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American Express - cancelled my card

The same thing just happened to me. I payed my amex balance off every month. I went and used the card on 5/18 and on that same day, after my purchase, they cancelled my card. I called and the rep said they could not reinstate my card because I had to much credit debt. I had more credit debt and did not own my own home when I first received the card. Now I...

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12:31 pm EDT
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American Express newest shady practice

It's not new but American Express' new practice of lowering credit limits is very much in their favor. Since it is entirely possible that it will affect your credit score they are lowering credit limits and then turning around and using your new lower scores and debt/to credit ratios against you to hike rates and do some of the other things that they have been doing to their customers that they have had for years. I had a long conversation with a rep at AMX and the one big thing that they kept bringing up was my overall debt to available credit. They cut a $12, 200 AMX Blue limit to $3, 000. That will affect my credit rating I'm sure.
And then they turn around and use that against you.

What I came away with from my conversations with AMX is that they no longer want to be in the "credit" business. They are trying hard to get back to being a charge card company where everyone pays in full each month. Their main thing seems to be cards that have a balance for whatever reason. That want that money and they are actively asking for it. Every time I have talked with them they ask if I can make my payments "today", even if it is not due for 2 weeks. They asked me that for each card that I had with them the last time I spoke to them. They seem soooooo desparate it is pathetic.
They have absolutely no concern or consideration for their customers. Be warned.

What once was the mighty American Express is no more, and probably never will be.

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McMilln
Springfield, US
Aug 26, 2009 12:35 pm EDT

I have been a cardmember since 1989 - Amex gold and Amex Blue. Recently Amex slashed by credit limit on my Blue from 20, 400 to 6, 500. When I contacted them they said they are reviewing all customers, and because of the current market conditions they agreed to lower the limits on customers accross the board. In addition my Gold card which carries a balance on my 'Sign and Travel/and or Extended Payment Options' was recently cancelled, despite the fact that I pay each month. When I contacted Amex they claimed the decision to close my accounts was in part based on the fact that I was "delinquent" in April - I was less than a week late (not deliberately), and that I did not follow up on their request for "financial information" from me. The latter was a blatant lie, as I spoke with a rep who promised to send me "forms" via e-mail requesting tax forms, etc. I never received the forms. I had no intentions of sending them my tax info but was not even given the opportunity to do so. I think this is such a poor excuse to close my account. I don't know what their intentions are, but this is deception. After 20 years with Amex, I am very disgusted with them. I know treating long-standing customers in such a callous way will eventually backfire on them! Shame on you Amex.

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American Express - debt collection

On Tuesday, January 20, 2009 I received a letter from American Express dated 1/14/2009 that stated my account is being reviewed for collections. Twenty-four hours later I received a phone call on my work phone from Zwicker and Associates. They identify themselves as an Attorney that has been retained by American Express to file a law suit against me. Of...

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9:43 am EDT
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American Express rebate scam

COSTCO offers an American Express card service that gives 3% back on purchases at their gas station. I applied for it and was approved. The ONLY reason I had to do that was to get the 3% rebate on my gas purchases. For one year, I went out of my way (about a mile) to fill up EXCLUSIVELY at COSTCO, because I wanted that 3% rebate at the end of the year.

Eleven months after I started this program, I got a letter from American Express telling me that my account was being cancelled, even though I always paid my balance and did not owe anything. I called them up and asked if I was still going to get my 3% rebate. The person I spoke to said "Yes, you will be getting a check in the mail." I waited a couple of months and still no check. I called them up again and this time the person I spoke to said "No." The reason she gave was, basically, that American Express didn't have to give me the money if it didn't feel like it. I asked to speak to a supervisor and she put me on hold. She got back to me after leaving me waiting on the phone about 10 minutes. She came back with a convoluted scheme that said I would not get a check but credit and I could later on use that credit to get a direct rebate. OK, I said I'll take it.

About a month later, I get a letter from American Express telling me that my rebate is being prepared and will be send to me in the near future. That was 2 months ago. It has now been 6 months since they cancelled my account and STILL not one penny from American Express.

I have complained to COSTCO-- they simply pass the buck on to American Express. But, even though COSTCO is aware of this problem (which, actually, amounts to a SCAM), and they agree with my case, they nevertheless CONTINUE to promote this scam to new customers.

Two points: our American government can come down very hard on small operations that use the "Bait and Switch" scam. But when it comes to large corporations, such as AT&T, American Express and COSTCO, our Justice Dept. looks the other way. Also: if you these companies think you owe them the tiniest amount-- even if that claim is contested and highly dubious-- they will pile up fees that will make the amount grow exponentially. But if they owe YOU money, they feel no obligation to compensate you for the loss of interest in the least degree-- you won't even get an apology from them.

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Former Amex loyal customer
, US
May 11, 2016 8:01 am EDT

I have a Costco True Earnings card and a few years ago stopped getting one of the annual rewards coupons (one from Costco and one from Amex).
Since I opened the Amex card at Costco I went and checked with Costco where the representative could not affirmatively answer which reward coupon was issued or cashed, but instead they offered to request the duplicate reward coupons from Costco making the disclamer that if it had been issued then I would not receive the coupon.
A few months later i realized that nothing has happened and decided to call Amex.
When I called Amex and asked about where my annual coupon is and why I stopped receiving them? Interesting thing. Turns out that because I moved 3 years ago and they had an old address on my account they did not send the coupons to the correct address. Moreover, they must have instructed the post office to not forward that mail otherwise it would be forwarded just like all my other mail. More interesting fact - they did change my address for all the other communication because I kept receiving it the communication from them like policy change notices etc., just not the rewards coupons. The representative on the phone said those coupons for 2014 and 2015 are forfeited because they were not redeemed timely and delivering the coupons to me is not their goal, as long as they mail it to some address where I once lived it is considered satisfactory.

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jamiejetjamie
, US
Dec 09, 2015 11:27 am EST

American Express and Costco both screwed my husband and I out of our rebates. They deliberately hide them in the statement so you don't see them, then they expire. How in the hell can they F'ing expire?! It's OUR MONEY. Costco has gone down the drain. When they first opened, they were a great deal, now, just a complete rip-off. Their customer service has changed. They make you suffer in line when returning, yet membership services are always open, employees standing around, doing nothing, when they should be helping with returns. The check out lines are way, way, way, way too F'ing long, the people in charge stand around in groups, chit-chatting while the rest of the employees SLAVE. I have not received my rebates year after year after year, because they were not coming to my house. When I told them, they said there was nothing they could do. I said "You must have a way of tracking these?" And they said yeah, it shows that they were cashed. I said then someone else is getting my rebates, because I'm not. Remember, there are two rebates, one from Costco and one from American Express, I was not getting my Costco rebates, they were being stolen. Of course, they said there was nothing they could do for me. What a scam. Now, Costco is parting with Amex and I bet they try and not give any of us our rebates. I am going to file a law suit against them for all of the rebate money we never received from both Costco and American Express. Corporations are out of control, they don't answer to anyone and they just do what ever the hell they want.

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com.fred
, US
Sep 20, 2015 10:20 pm EDT

American Express refused to award the promised 5% spent at one of their "Partners" hotel [Grand Hyatt].. Stayed in that Hotel in DC in June '15. In the next statement credit was given for some small purchases, restaurant etc. Called Am. Express in Aug 15 to inquire. After waiting on 2 different reps for a total of about 15 - 20 minutes, she said they had to investigate and promised to call me within 10 days. After 6 weeks I called them. The rep was not cordial. the reason for the no call back is that is just the way they do it! They declined to honor the 5% credit on the hotel rooms [ 2 rooms for 4 days, over $3500 total] The rep said it did not qualify. I asked why they promote that hotel. Then she went into a lot of technical details, and once said I should have gone online to read up on the fine print details. I did later could not find the related info. So it IS a scam. I will forget about Am Exp. It is a tease.

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Pilm
Baltimore, US
Mar 15, 2013 7:48 pm EDT

I've never had a problem with my Costco rebates checks from AMEX, but then again I follow the rules!

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Tere808
Hilo, US
Mar 03, 2013 5:12 am EST

I am reading this because I was wondering if the Costco American Express rebate is a scam. The amount comes out to less than the rebate I received for a card that paid about .75%. The rebate can only be used at Costco--if your Costco membership has not expired--and comes hidden in the back of five pages that come with your statement. I was looking for it, otherwise, I would have put it in the shredding pile. This must happen to a lot of people. They have found a way of seeming to offer a better deal if you use their card, while making it probable that many will not even get the rebate. I am not going to use their card any more and just as soon as I use this rebate, I am canceling my Costco membership.

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socalrico
Cardiff by the Sea, US
Feb 09, 2011 8:05 pm EST
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We also have an issue with an expired check from last year, but in our case, we never knew the check was issued. We pay our bills on line, so we either didn't get it, or just didn't open it because it comes with a paper statement. We just found that out after receiving the check this week for this years rebate. Has anyone gotten Am Exp to send a ncw check after one expires? If so, please post how you got them to come through. I've sent them a letter explaining the situation, after a long phone call, asking them to do the right thing, otherwise I'll go to small claims court. Might be a waste of time, but doesn't cost much. The amount in question is over $700.00.

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a59vett
, US
Oct 06, 2010 2:55 pm EDT

I had another problem with American Express / Costco. I received my rebate check for $245.00 and by mistake let it expire. I went to Costco they said I would have to call American Express and they would reissue it. I called and then it was lets make a deal time. There first offer was to credit me 25% or $61.25. I asked to speak to a supervisor and after a heated discussion for 30 minutes the offer was raised to $122.50. The supervisor said she was being nice to offer me that. When I told her that the money was mine that I earned it she told me it was Costco’s fault. I called Costco and they blamed it on American Express.
I think it’s just a rip off. Why should a check expire.

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Dissaponted in Costco Amex
2263 GM Rd, US
May 23, 2009 2:18 pm EDT

I pay mine in full every month also, they did the same thing to me even though I have great credit history no lates or defaults they canceled my account saying I had a high debt ratio with todays economy. She said even though your credit history is good the debt ratio was high they had to cancel my account. I just built a house so yea it is going to be high but I still pay my bills and work... So as a result I got a Discover card, Sams club membership and will cancel my Costco Membership.

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cptnjck101
Williamsburg, US
May 12, 2009 2:39 am EDT

If they cancelled your card after 11 months, why was your first question "Do I still get my reward"? I would have asked "Why did you cancel my account?" I find it hard to believe you "always paid my balance and did not owe anything" if they closed the account after 11 months.

I have the card, I love the card, I ACTUALLY pay my balance in full every month, & I have not had a problem for over 6 years...

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American Express they temporarily froze 2 business credit cards for a payment that was do on sunday and paid on monday

We had a payment due on a sunday that we didn't pay which was $39.99 for a second card that we rarely use. They locked both of our business credit card accounts by that Monday morning (our primary gold card is what we use for all business). We almost never pay even a day late and always pay what is owed. We paid the account on Monday and they unlocked the accounts, but I'm still Pissed! What kind of customer courtesy is that. I've been a loyal customer in good standing, but they halt my business for $39.99. Looking around for a new credit lender as we speak.
Keith

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Daniel Gamez
Hesperia, US
Oct 31, 2009 7:27 pm EDT

Beware Of Chase or B of A

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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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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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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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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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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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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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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
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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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American Express increased interest rates jan 2009

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 no reason for the increase, no reason for her refusal to lower the rate to what it had been for the past decade when I have never been late & almost never ran a balance.

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Update by Against Greedy Amex corp exec
Mar 28, 2009 3:04 pm EDT

The fax number is posted wrong. Fax complaints about american express cards to [protected] - that's the vp of public relations and consumer affairs for cardholders at the corporate headquarters at 200 vesey street, manhattan ny 10285

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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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American Express - boycott american express

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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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.

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.

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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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