American Express

I was shocked to see the behaviour of people representing a american express travel agency in MGF Megacity Mall, Gurgaon, Haryana INDIA.
They were so rude that were not interested in attending a customer and behaved very rudely to sent me back from there office. It was so rude that i will never again go to an Amex travel agent nor refer anyone in future.
Shame for such a big company to keep such people as their representative.

A customer swiped and signed the receipt. Then when their statement came in they didn't recognize the name on the statement because I am a sole proprieter. So the customer filed a fraud complaint. Now I have the receipt  and video recording of this customer standing in my business  but somehow Amex feels it is appropriate for me to work for free and refund the customer who says the charges are valid, all because I was unable to respond to their claim letter within ther allotted time. To bad it doesn't work the same way. Anytime they are late on paying me I should receive some kind of bonus pay. I can not stand doing business with this company. It's bad enough that we the merchant actually pay for reward points out of our pocket and now they steal from my account. Keep your hand in your own pocket Amex. ASAP I will be dropping this account. But in a very professional apologetic way. I learned from them how to be so cunning after spending so much of my time double checking their work. Calling when they got it wrong. Waiting to speak with someone who knows what they are doing. And now being denied a valid charge even myself and the customer agree are valid.

Koreana
13457 Olive Blvd
Chesterfield, MO 63017

Merchant refuses to accept multiple credit cards claiming that it is "after hours." She also claims that doing so would force her to incur additional charges and refuses to provide any alternative means through use of plastic. Worst merchant! Do not frequent, but if you do, make sure you take plenty of cash!

Soon all servicing for Amex Merchant Services will be in India or, minimally, by an outside vendor. Amex has prospered via the loyalty and dedication of employees and has, in return, off shored or outsourced nearly everything except collections. Wise up and take back our country.

Ive been with American Express 40 years and they canx my platinum card without notice. I paid of 50,0000 last year, niever missed a payment in 40 years have an 833 credit score but because I have no balance on my card and havent been using it I got cancelled. There is nothing American about this company anymore.

I have been an AMEX cardholder for 27 years, but I am cancelling my account because computers have been allowed to take over their business and they are charging late fees that aren't justified, then charging additional late fees on late fees.
AMX used to have a sterling reputation, but now they are just another schlock credit-card peddler. Why pay an annual fee for that?

Wow, Amazing stories! I am a long time customer. Have spent 100K's (Maybe over a million, I don't know) on my Amex cards. Never missed a payment, never late for over 20 years. High credit score, and used to use my Amex for ALL business and personal spending. I have literally built my business with Amex. But my experience is exactly like everyone on this blog. They have completely screwed with my business and my personal life. I believe in loyalty and Amex has been the WORST card I have. With all the years of using their services, this is how I am repaid. I am pissed! I still use my Amex card (with a pathetic $3000 limit) on it. I have 100's of thousands of miles on my rewards. I am thinking of using the rewards and then canceling all my Amex cards forever. What a shameful way of treating their loyal, credit worthy, customers.

I used my Amex to book a hotel room through Amex travel. I booked 5 nights (and had to pay for the whole trip immediately) but checked out a day early (my daughter got sick) only after calling Amex travel and having them first tell me there was nothing I could do to get a credit for the one night then the girl that hardly spoke english told me she could call the hotel and talk to them. She came back on the phone and said no one answered the phone and for me to call back in 3 hours. I asked if I could speak directly to the hotel and she said yes. So I spoke to the hotel and they said no problem. Next morning I go to check out and the hotel says that since this was booked through Amex travel they cannot issue a refund due to the fact that they weren't even paid for the whole stay yet. So I called the "customer service" number back and was once again told they needed to call the hotel. As I am on hold they call the manager...the agent told the manager he needed to talk to his supervisior in what I can only imagine is INDIA...then he never came back on the phone with the hotel manager, but came back on the line with me and told me he talked to the manager and was told it was hotel policy not to refund for unused nights., I was standing right there with the manager who said nothing of the sort...so now I am fighting to get my over $300 back...I will never book through Amex travel again and next month once I switch all my automatic payments to another card, I am canceling my card.

ive been a platinum rewards member since 2006.. .a gold card member since mid 2007 and a platinum card holder since late 2007. ..ive never missed a payment on any of the cards. ..NEVER.. .when the economy took a seat on the back burner, amex decided to take my credit line of 20k on my business rewards card and minimize it to 1k.. .they gave me every reason known to the credit bureau except bankruptcy, but still my credit score qualified me for PRIME +1.2% APR. ..it doesnt make sence.. .all this while they "pre qualified" me for the illustrious platinum charge card. ..after a while my business was growing even more and i needed more materials and merchandise.. .plus i was traveling more and expanding. ..right as i come back from the middle east on [protected] i sent an associate to mexico city on 7-2-2009.. .i gave her a couple grand in cash and the company gold card thats linked to my platinum card.. .as i make purchases today my card was declined.. .i called and they answered that i reached my limit.. .and this decision was made yesterday.. .interesting.. .today in JULY 5th and yesterday was JULY 4th.. .they gave me the same run around as the last time they slashed my line on the rewards card.. .now heres the kicker. ..my statement closes on July 17th 2009 and today is the 5th of July 2009. ..they did this before the statement closing date.. .i charged 4, 800 some odd dollars and they rolled me back to 1500.. .i made a 3k payment on the spot and i'll pay the rest tomorrow after i go to the bank to make a deposit.. .the rat ###. ..my associate is in mexico city trying to close deals, and now her card doesnt work so shes gotta dip into the cash.. .i dont give a rats posterior anymore about this card. ..i will never forget the day these "people" threw me under the buss.. .im cancelling the card as soon as the associate lands in los angeles. ..im not a fan of collective punishment and will in no way deal with these people as long as i have money, a brain and a back bone. ..the three things amex lacks .. .

sincerely,

S.J.M

I completely agree AMEX is lame. I've been a customer for over 5 years, never EVER carried a balance with them. I forgot that I charged $15 for luggage at the airport about 2 months ago. Never received a bill (on paperless statements), and subsequently forgot about the $15.00. They charged me a $25 late fee. I called to ask for a one time reversal, no go. So I cancelled my card. My credit score is 800+, if they are unwilling to accomodate me, then they can go to hell.

We need your help exposing AMEX for their terrible customer service and
lack of loyalty to their customers. Thank you in advance for reading this
email.

We have been a member of Platinum American Express since 2000. We have
used our cards, which we pay a fee of $400+ each for the privilege of
spending money with them, for our corporations, our personal expenses, and
travel. Over the years we have probably spent over $700, 000 with American
Express! We ALWAYS paid the balance off when due and at times at meant a
$50, 000 monthly payment.

During the last 6 months, we have used our American Express cards less and
less. One reason is that we had some charge problems using the card in
Mexico that went largely unresolved for all parties because no one in
India (Which is where their call center is for this "American" company)
could comprehend the intricacies of our problem because it was quite
simply a matter best dealt with by an American. Even someone from Mexico
would have understood it better.

Secondly, we were using other cards that gave us the mileage points we
needed for an airline.

The problem is that because we have NOT been using our cards very much,
they have cut us off at $500! Now that we need it...we got cut off at
$500. For no reason. We have no payment due until July 2nd and our balance
is only $443.27. We have carried balances in the 10s of thousands in the
past and now we can only have $500. Which is less than our annual fee
we've paid this "American" company. What if we were out with clients
wining/dining and our card was declined? That would be so embarrassing.

So we called and complained. Who did we get? Some smug kid in India who
put us on hold for 20 minutes and told us that "the computer says you have
not used your card much in the last 6 months, so your balance and
available credit is $500." HOW DOES THIS MAKE SENSE WHEN THEY ADVERTISE
THEMSELVES AS A NO SPENDING LIMIT CARD? AND WE ARE PLATINUM CARDHOLDERS TO
BOOT!

I have had the same issue that others have reported here. A 800 FICO, perfect credit with no late or derogatory reports. There was a posting error on my business account, which they now claim I am 60 days late on even though the money was posted to my platinum account. The are claiming I am not credit worthy and revoked my credit line with no notice. I wrote a letter to the CEO's office, we'll see if they give a crap. I always thought AMEX was better than the other consumer issuers but looks like they're far worse.

American express is punishing all of their longstanding credit worthy loyal customers because they have extended credit to deadbeats that should never have received credit. Now that the deadbeats have defaulted AMEX is taking it out on their good customers. I personally have consistently had various Amex cards since 1974, both personally and in MY business, that's right 35 YEARS! I have always been told that there is no limit on my green card or gold card and regularly pay my monthly bills IN FULL. I am completely debt free and have had excellent credit my entire life with very good cash flow and substantial liquid assets. I have always had the the attitude that if I can not afford it I do not buy it. Recently my monthly spending declined on my Amex card however within the last 12 months I have had monthly bills of $8, 000.00 which were paid promptly. Today I attempted to use my amex card to place a deposit with a publicly traded national auction company in order to bid on some specialized equipment. They declined the deposit hold stating that I did not buy enough recently and they would only issue a $1, 500 approval. They never informed of this and damaged my reputation with the auction company. American express is punishing all of their profitable loyal customers because they have extended credit to deadbeats that should never have received credit. Now that the deadbeats have defaulted AMEX is taking it out on their good customers. I personally have consistently had various Amex cards since 1974, that's right 35 YEARS! I have always been told that there is no limit on my green card or gold card and regularly pay my monthly bills IN FULL. I am completely debt free and have had excellent credit my entire life with very good cash flow and substantial assets. . I have always had the the attitude that if I can not afford it I do not buy it. Recently my monthly spending declined on my Amex card however within the last 12 months I have had monthly bills of $8, 000.00 which were paid promptly. I attempted to use my amex card today to place a deposit with a publicly traded national auction company in order to bid on some specialized equipment. They declined the deposit hold stating that I did not buy enough recently and they would only issue $1, 500 approval. I was unable to bid and I am completely disgusted with the way I have been treated. They told me that I should prepay Amex the $7, 500 if I wanted to use the card for a $7, 500.00 deposit. I was unable to bid and I am completely disgusted with the way I have been treated. They told me that I should prepay Amex the $7, 500 if I wanted to use the card for a $7, 500.00 deposit, which is the most absurd suggestion that I have ever heard.
Who are these incompetent people making these decisions? They should be immediately terminated because it is obvious that they are grossly incompetent. . Possibly this is a signal that American express is not solvent and can not service the 30 day cash flow for their card holders. They live on the high transaction fee's that they charge their merchants Amex volume. I thought that they were better than AIG, GM and the other incompetent financial institutions. At a minimum I should have received a phone call from someone at AMEX STATING THAT THEY ARE HAVING SEVERE FINANCIAL DIFFICULTIES AND CAN NO LONGER SERVICE THEIR CARDHOLDERS. I think they want us all to go to Visa, Master Card and Discover. I INTEND TO HELP THEM BY NOT USING MY AMEX CARD AS MY PREFERRED CREDIT CARD. I HAVE SENT A LETTER OF COMPLAINT TO AMEX CORPORATE- LET'S SEE WHAT THEY SAY. Maybe I will post their response. I am directing them to this site to see what their customers think of their new credit policies.

Same thing happened to me. I've got good credit...I always run a balance, but I ALWAYS pay over twice the minimum monthly payment. I've never missed a payment for anything. About a week and a half ago I paid off the $4000 balance I had on my card in one fell swoop and two days later they cut my limit to $1000 without even sending me a letter or an eMail. I was going to be putting my wedding rings on the card! If customers like myself are paying their high interest rates on time and without complaint, what sense does it make for AMEX to antagonize and turn away their bread and butter? I'm going to keep the card indefinitely and get the limit raised as much as I possibly can as soon as the economy returns...but only use it once a month and pay it off as soon as I get my statement. I'll be damned if I ever give them another cent that I don't have to.

American Express is the evil empire. I wouldn't normally use such strong language, but I have experienced everything mentioned above (change in due dates, not being able to schedule payments online after the due date, etc.) plus 30% interest rates, daily phone calls when I'm only a couple days behind, and ridiculous lines of questioning a year ago when I was late on a payment - every time they called they asked me if I could "borrow money from a sibling" to pay the bill. None of my other accounts treat me like I'm a child. It's demeaning.

I also shop at a boutique that recently stopped taking American Express because of their own difficulties with them. One day their pay-over-time charges were suddenly shifted to DUE IMMEDIATELY, with no warning. Suddenly their bill was unfeasible, overnight. How is that even legal?

I haven't had that problem before, but I have noticed that the month to month "Due dates" or "please pay by" have been shifting. My period ends on the 8th of the month. My usual due date printed on the statement is usually the 2nd. But I have been noticing that at the end of the quarter (December, March, etc) this date is shifted back about 10 days. I have called CSR a couple times to confirm this, and its the same answer, "you will not be over due until the start of the next billing cycle." No one can seem to answer why the date on the statement changes.

I think American Express is trying to get unknowing customers to pay their bills before the end of the quarter to pad their financial statements. Not that I really care about their quarterly balance sheets, but the annoyance is that their website doesn't give you an option to pay after the "please pay by" date.

I don't know what is happening at AMEX. They are spiraling downward. I always schedule my payment on the day its due. Been doing it for 10 years with AMEX.

3 days ago my card started declining. I called them and was informed that I was past due. I pointed out that the payment wasn't due until DEC 20th, another 5 days away. I showed them the already scheduled payment for that day.

They gave me some ### that I have to start paying ahead of time from now on. I don't know what they are up to at AMEX, but it is getting worse by the day.

We will never use AMEX again. They are willfully screwing their customers and the word is getting out.

PS: This is how they screwed us last month
http://amexcreditreduction.blogspot.com/

American Express does in fact SUCK. Try using their bogus Domestic Companion Travel program it sucks too!

I'm not a "power" user of AmEx, but I still think we are being treated unfairly. I have stellar credit, numbers in the 800's. We signed up for AmEx with our CostCo membership and apparently checked a box that allows them to e-mail our statements vs. sending snail mail. Since I pay the bills, not my hubby, I never see the statements, so we've missed step a couple of times just by days. (We hardly use the card either.) This time, they charged our CostCo membership to the card and we were unaware of this charge, so missed the payment. They raised our interest rate to 27% plus and it will be a negative mark on our credit. Probably partly our fault, but kind of sneaky nontheless.

I established my Amex Blue card in February of 2006. Since that time I've spent over $350, 000 on the card paying it off typically within 20 - 30 days. I'm lucky if I accumulated $150 of interest due on a monthly basis. Completely out of the blue - with no explanation whatsover they dropped my available credit in half. They based this information on what they said was on my credit report. Interestingly enough - my credit was clean. Next thing I know - I paid off the card in full as I typically do and went to a business luncheon meeting. Lo and behold . . . . card declined. They cancelled the card the minute that my balance was paid in full. No explanation - no apologies. Nothing. Again they based it upon what my credit report was stating.

I told them where they could put their card and applied for a Capital One the next day. Til the day I die I will bash and discredit American Express. I now place all my expenses . . . on Capital One.

The Same issue of reducing the credit limit happened to me today. The American express customer service(from India) sucks, they doesn't speak good to the customers. They reduced my limit 8000 without any sort of prior notice. They sent me an email after doing it. American express will be sued someday if they dont understand the customer's problem. They will have to face the consequences in the near future. Playing with the life of people is not the right way of doing business. They say it's a customer centric company and never bother about the customer problems, what sort of a company it is?. I'm going to close the account in few more day's shortly after paying the dues. USA's most useless credit card & service ever.

Charan.

In December 2008, my business was ruined by American Express
who had extended us unlimited credit, only to withdraw the credit without any
reason or warning. I lost everything—my retirement, life savings, my credit
rating and my home. Claiming “unjust enrichment” AmEx then suited me for the
unpaid balance.

I have been in court for 5 years trying to represent myself.
Finally I have a prominent law firm interested in the case and even a class
action suit. I need the stories of others that have been damaged personally or
in their business. It can be in the form of a letter, but to be considered as
evidence in the case, I need stories notarized as an Affidavit. (click on the
link below to see my affidavit.)
http://constitutionalinjustice.blogspot.com/2014/09/american-express-nightmare.html

Also, should you have any contacts, I need the media’s
coverage. Please let us know if anyone can help.

John Cockerham

allproelectric6445@att.net

[protected]

I have posted prior and continue to read all this about Open from American Express designed to help your business with cash flow. OMG they are evil, they charge merchants for the points that they give their customer and do not tell the public whom is acutally giving the rewards, in return they pull you credit line from you for no real reason to their "va;lued" customer... They will sue you, they will damge your credit by lowering your credit lines and making you apear debted out, they will send you to three attorney and collection agencies for no given honest reason, I had one attorney put a negative reporting on my credit card whom hasnt even sent me any information then they play dumb to it. Thye hire people whom will nto discuss anything with you but threaten lawsuit and try to place a lein on your business. They are truly evil. I am suing them, tehy have caused me grief unlawfully and I will see victory in their nonscence business practice, they cause small business closures and are strictly evil.
BYCOT AMEX!
If your doing business with them, stop they will get the best of you in time these posting are all 100% honest on thsi forum!

I've been a customer since 1993. We put everything on Amex, everything...so we run a high monthly bill on our supposedly unlimited charge card, around $6, 000 a month and up to $12, 000 with vacations. I got an email three weeks ago saying we had a limit of $10, 200 which, since I was about to make payment for that month, meant if we'd spent more then a couple of hundred dollars over two weeks on it, we'd go over the limit. the email claimed we'd get postal advice, which never came.. in the post i got advice THREE SEPARATE TIMES that they had removed our flexible payment option. an option i had never used, never asked for, had it foisted on me by evil Amex.
I have never missed a payment (they agree with me on that), have an excellent credit score... i am fighting with them every two days to resolve this. i sent them a 12-page fax of credit reports and their stupid letters and tonight told they haven't processed it yet...they've had it for one week. bad luck for us if we take a week to deal with them. i'm so over amex but don't want to cancel my card and damage my score... Class action--yes!

Hi All,
I had both business and personal accounts with Amex. All are in good standing. In October I experienced the same treatment from them by lowering all of my credit lines. I canceled 2 personal and 3 business accounts because of this. I have been paying down the balances on time each month since then. I received a call yesterday from an Amex rep. She told me that Amex was requesting that I make a payment that day to further bring down my amount owed. When I asked her why she told me that I had balances outstanding. I said yes but they are paid on time and based in Amex's treatment of me personally and my business I do not feel compelled to advance my payment schedule. Besides the accounts are closed and I have given my business to Chase. She began to tell me about the amounts Amex had extended to me in the past ($50, 000 +. This was paid in full over 2 years ago). I pointed out that that should have been their criteria when they decided to lower and stop customers credit lines. I confirmed that all of my accounts were closed and I told her that if and when the economy gets better Amex will never get either my personal of professional business. As for now, I will continue to pay down the balances but I will not over extend my financial situation to apese American Express.

Hi, I started a cause on Facebook called "Boycott American Express". Feel free to join and spread the word:

http://apps.facebook.com/causes/289806

I have been with Amex since 1992, I have 3 cards. My costco true earning had credit line of $37500, it was reduced to $100.00 Only. I have perfect credit and last year alone I used this card for over $260K and paid it off. I have cut my Amex cards and now I say to everone, Please leave home without it.

This is the letter I wrote AMEX and never received an answer:

"I heard once that a bank lends you an umbrella on a sunny day and asks for it back when the rain starts.
I spoke to your associate two days ago when I receive the call, he was very rude and told me that I had serious delinquency on my credit report. Yes, I do have 1 item from the University of Phoenix that was a total scam. It is paid for, it was paid 4 years ago. My credit score is over 720 and my wife over 750. We make over 250K annually and I did take this reduction personal due to the manner I was talked to. The kicker being that I just paid 13000 for a bill of 13000, I don't carry balances, maybe this is the reason you are so upset since you get no interest from me.

I use this card for business, but I will not user American Express any longer. My company *********** has 6 Platinum cards that we pay 300 yearly for each, I will close those accounts as well. I had another American Express with Bank of America and it has already been switched to a VISA.

Don't worry about my credit worthiness, you won't have my business any longer, as a matter of fact I also cancelled our account with my credit card vendor and as of Tuesday we don't accept American Express at my business as well.

Thank you for informing me though. It was very thoughtful of you.

Regards

RP

I 'm with AMEX since 1997 EXCELLENT credit never been late with them received a credit reduction letter in the last 4 months I was reduced from 27, 000 to 15, 000 and now to 8, 900 these ###s left me with a $ 300 open credit, in the eyes of a Bank it looked as if I'm maxed out, which means my FICO score is affected. AMEX is the most corrupt credit card Compamy all consumers should complain for their practises. I'm writing a very strong letter to FTC, my cousin has a friend who works for the New York Times, These ###s deserve all the bad publicity.

We have used AmEx Blue and gold cards for several years with $20, 000+ credit limits. We have carried balances in excess of $15K several times and paid them off in full over and over, NEVER late. We never pay the minimum $200-400 due... usually pay $2, 000 to $5, 000 at a time. We have excellent credit, just bought a new home, pay all bills on time. Husband got a big promotion and I received a good raise this year and we have "recession proof" jobs. When my AmEx Blue was declined yesterday while making a large purchase I laughed and told the clerk to try it again... declined again. How embarrassing! I put it on the Visa and told my husband. He called AmEx this morning and was informed that they have dropped our credit line over $10, 000 to just $200 over our current balance. They said "market conditions" were the factor. I pointed out our excellent payment history and the volume of business (and interest payments) we provide them. I asked to have a supervisor review this and was told it would be 90 days before they would reconsider. My husband is enraged and will pay it off and cancel the account entirely. They have already damaged our credit with the reduction of credit line, so we don't care if closing of the account is negative on our credit score. We can and will pay cash. Why does a company run off good paying, productive customers? Why drop us, but keep a customer who pays late fees but will default on the big balance as the economy tanks? AMERICAN EXPRESS IS IN BIG FINANCIAL TROUBLE. If I owned any stock in them, I would SELL IT NOW. We are cashing in all of our hundred thousand rewards points onto gift cards before they decide to close our account or go out of business altogether. I suggest you do the same!

"No More Attacks", this had nothing to do with Obama -- the regulatory reform began under Bush and would have continued under McCain or even Hillary Clinton.

I agree completely with your complaint and with your assessment of our current situation!

I have been with American Express for years and recently within 60 days all ego boy and his administration have done with their new legislation that they claim we are out to help you and protect you from them the bad credit card company rants have cost me to be attacked by American Express 3x's in less than 60 days!

First they cut my credit limit. Fine, never wanted it anyway. But thanks for dropping my credit score in the process. Let's see how this works. I don't ask for a credit limit increase but you increase it anyway. Then if I ask you not to do one you ding my credit score for that. I come out golden how?

Then they declined my card. They changed my no limit Gold card to a limit and told me it was not a limitless card. Did they really think I didn't know that? I had moved. My company gave me relocation money. I used the card and all of a sudden they call me on it? And I paid everything off like I said I would when it was due! Not to mention they screwed up my address change which also declined the card! Lovely story really. At Wal -Mart in a self check out lane with the machine yelling to everyone my card was declined. And why, because they screwed up my zip code in the Amex database! How many unemployed people are there right now and how many of their CS reps have a job that they can't even do it right?

Next is this month’s statement. My min. payment was increased by $100 with no notification what so ever. No change in my credit terms, finance charge, limits, nothing! So why the increase? They did it in order to help me lower my balance. Funny, I didn't know I had an extra $100 lying around. So they offer me a hardship plan. 0% for 6 months, then 6.99% the next 6 months with no use of the cards during that period and then I return to my fixed rate.

Do I trust them? Well how can I? In two letters they call me every name in the book, the first telling me that my Gold card is not limitless and the next where they berate me and drop my credit limit. But over the phone they tell me how great of a customer I am. I have paid everything on time and my Gold Card always paid in full! Two-faced much?! And oh, btw, here is an offer for our Open Card at our lowest prime + 4% but the rate is variable and the prime is 3.99%.

Wait. What? I called them on it and they stumbled on their words.

Here is the fun fact! I pulled my credit reports from the free service the gov't offers and it is spotless! Completely clean. And all those credit inquiries Amex scolded me on were from them! Oh and the one I had to have so I could move into my new place. Bad me for moving to take a job within my company to stay employed! And at a 21% pay cut at that!

And then the rep went on about too many high balances. I have 2 credit card balances and Amex is $33k and the other $2, 500. Wow! I'm horrid! Not to mention one school loan and another loan I'm paying off this month over a year early!

I've had it with them! The economy is not my fault! I didn't do anything wrong! And while they won't admit it to any of this, the new legislation is the reason for these attacks!

Someone tell me there is an attorney out there that is going to fight for our rights. Because all ego boy and his administration have done is send the credit card companies running and blasting every customer they have. And I for one am tired of taking hit after hit with no right to hit back!

I want to find the loophole that protects me from these attacks!

Everyone who voted for ego boy ... gee thanks. What you don't understand about him is all he wants to do is make the dependant more dependant and those who aren’t into dependants. It’s working. Just watch. It’s happening right before your unopened eyes! Here are two easy words that show you how he will accomplish this: Stimulus Package. Coffee served!

I have been a American Express card holder since 1975. I always paid my account in full every month. I was diagnosed with MS 5 years ago and had to sell my business, which was a third generation business, I can no longer run the business. Since that time all of my credit card debts have risen to the amount of $30, 000.00. American Express put me on a hardship case and lowered my intrest to 6% with the stipulation that if I did not have the funds to make the payment I call them 48 hours prior to the payment date. They were to automatically take the payment from my bank account. They failed to take the payment out of my account and took me off the hardship case. I called them and explained our agreement. They said they were sorry and reinstated me in the hardship case. This month they did the same thing again and have refused to put me back on the hardship case. I have had a perfect credit rating my intire life until my MS put a halt to my earning ability.The money stopped coming in but the bills kept on coming. If they would have kept their word I would have eventually paid off the debt. As it now stands they will not get another cent. No matter how hard you squeeze a turnip you will not get a drop of blood out of it.

My husband suffered a hardship aswell. He went out to do an injury and AEX closed his account and sent it to a Collection Agency(if you want to call it that). They called and harassed us and when we stopped taking their calls they contacted his parents and insisted that they are responsible and called us losers and dead beats and told us it was a fraud account and that we used my fathers SSN and all kinds of untruths. However we know our rights and are putting a complaint in against the Collection Agency and AEX for dealing with such low class company practices. My husband tried over and over again to work out a payment plan for the $16, 000.00 but they insisted payment in full. I totally agree we need to take a stand against them.

Well, it all was your fault then. You misplaced the bill, was late to pay and now complain.

They did the same thing to me. After a returned payment through a customer slow-paying me, they cancelled the whole thing. Both business cards gone, personal card SEVERELY limited.

They are driving business owners out of business.

No question about to why majority people don't have American Express. Too bad, the company is over rate themselves.

The Customer Care executive of AMEX - Mumbai, India has asked me the personal information, 15 digit card number along with the 4 digit secure number. What is possibility that he will miss use that information for online transactions after I have changed my password. How secure the password is as it is generated without special characters? In need advice on this. please help.

I was promised promotional miles with Delta after first purchase. Even though the charges for the purchases are shown on my statement, the American Express customer service says no purchase has been made! Their promotional information specifies 25, 000 miles, now they say it should be only 10, 000 miles and it takes 8 to 12 weeks, once I make my first purchase that has taken place already but they deny. The spririt of Madoff is alive and well!

On July 22, 2008 I used my Amex at a local restaurant, Kennedy in the District, Las Vegas Nevada. I joined one friend for appetizers. My bill was 109.00 including tip. When I received my Amex two weeks later I had two separate charges on my account. One for my legitimate charges of 109.00 and another separate charge of 509.65. As a 17 year customer of Amex I've never had this happen. I immediately called Amex and reported the mistake/fraud. I was assured that the fraudulent charges had not been paid to the restaurant and they would investigate. They also explained that it would take 90 days. 30 days later Amex sent to me a copy of both receipts. Unbelievably, the fraudulent receipit had 46 cocktails, 25 appetizers and 20 beers, the signature on the receipit was a big letter "J". Our waiter Jose had also given himself a 60% tip. And guess what? Anerican Express determined that was my charge and I would have to pay. Their reasoning: "I had given my card to a service establishment so any charges on my card would be mine to resolve. I immediately tried to contact some type of manager with Amex and was given the same answer by a customer service representative . The charges stood. I was able to obtain a name of the SVP of Consumer Relations. Doria Camarazza. I wrote a letter to Ms. Camarazza explaining exactly what had happened and would love to be able to speak with someone that actually had seen both receipts. Her response to be was to immediately close my account and submit my balaInce due to a collection agency. This had been a complete nightmare. In researching the Mission Statment for American Express it states that they will never charge the customer for fraudulent charges. So..my question is can American Express "break" their own policy and am I liable for charges not made by me. I have not cooperated with the collection agency hoping that I can resolve this with American Express and not have this type of issue on my 720 credit rating. Just this morning I was served with a Judgment. I'm in a state of shock that due to the economy Amex has taken the stand to immediately "stick it to" their loyal customers. As I previously stated I've been a perfect customer for 17 years, never once late on my billing. Obviously I'm not alone with suffering from the use of Amex. I would love the opportunity to speak with a representative from Amex. Email: leahsmom@yahoo.com

To: American Express From: An angry Customer On December 30, 2008 I spoke with an American Express representative. I re-explained that I was In a National Disater Area due To Huricane Ike. This was the reason I was behind on payment. I explained I had spoke with someone after the hurricane and was informed that they will allow me time to recoup from the disaster. I had 3 feet of water in my business and lost everything due to the storm. I explained that I wanted to pay around $6000 towards my account to catch it up. She advised me to pay off the line of credit and enter into a payment plan with the Business Gold account. I was informed that she could set it up on the auto pay system and it would autumaticly be deducted from my checkings account. I paid off the line of credit with conformation # 52860 and paid $390 towards the Business gold card conformation # 55350. I was told that $390 would be automaticly deducted from my checkings on the 7th of each month for one year. It was my understanding that it was taking care of for this time period. Now I have a a collection agency calling me and your coustomer service telling me they have no information of this account. I need to call the collection agency and they will not let me talk to their supervisor or direct to someone that can help with this matter. I am very dissapointed in the way this has been handled and I would like an explanation of this. Is there anything that can be done about this? I was told last week by a coustumer servece representive that they would check into it and call me back. No response? I called back today and they treated me with no concern and would not help me with this matter? Email:Chucksterling@yahoo.com

Amex is trying to cheat its card holders by taking away their cards for no reason and taking away their points. They need to be stopped . They are damaging people's credit scores, causing service interruptions and in many cases elderly abuse.
Please contact me if anyone has been abused by Amex in this manner. ssa1169113@aol.com

I have been an american express customer for years, always paid my bill on time and never charge to much i could not afford to pay. I have a nice credit limit, I happen to call American Express to inquiry about a balance transfer, at that point I was told my limit was reduce to 800.00 what a joke, whats the point of having an Amex Card with a 800.00 limit. I was told a letter was sent, this is a lie, I never rec'd a letter until after I called. Here I am walking around using my Amex Card thinking that I had a high limit when in fact it was reduce to nothing.

I can't believe companies will treat there customers who pay there bills on time this way, I got a recent letter telling me that the decision will not be reversed. So I'm writing a letter to the CEO Kenneth Chenaurt.

It seems we all have been a victum of American Express and this should not be allowed to continue. We must a consumer bring a class action suit against this company, bring them to there knees because without cardholders they will not exsist we have the power to do this.

I am sick and tied of companies bending the consumer over and sticking it to them, acting as though they are high and mighty, well lets show them who has the power and bring this company down and make them put back our credit limits.

This has got to stop, and it stop here right now, today not tomorrow, not next week but now.

We need chat room where we all can meet and discuss this and we can create that chat room in AOL, i would assume everyone has a computer and access to AOL. I will be checking back on this site for an comments or email address to contact anyone

WILLIAM M. HARLEY
3016 HOPKINS COURT UNIT C
FORT MEADE MD 20755
Phone number: [protected]
Fax number: [protected]

ATTN: WEBMASTER@AMESUX.COM

I am requesting an appointment/complaint form in regards of American Express Processor CardPayment Solutions using Nigerians to steal from Americans using American Express products on a life insurance scam and I had the correct numbers on the checks when I called them in to the American Express fraud Department. I have it on a conversation recording at the local courthouse in Annapolis Md. that I did called and confirmed the numbers as required on American Express policy. I was charged with 5 counts of fraud and all charge was immediately drop after State Attorney Warren Davis [protected]) listen to my conversation with American Express Fraud Department. The American Express Fraud Department clearly told me all check was good. I notified American Express Fraud Department after I find out it was fraud and provided the all the information and they clearly tried to cover it up by replying back with different numbers and providing personal name (two) on they American Express cover letter that are not even employed by their company per American Express H/R. I inform the Maryland Attorney General and they forward it to the FBI over 4 months ago. When I spoke to the FBI on the status, they clearly stated that $5000.00 was not enough money for them to go after overseas. I clearly have the person handwriting of this person who sent this fraud material to me from CardPayment Solutions FEDEX account. This fraud material was sent 100 miles away from the CardPayment address as Chris Curry (CardPayment employee) would not give up there location. I have this in writing from FEDEX. I am a retired military (20 years) who have use American Express all over the world and I feel this is a disgrace of this company that is a international company who does not stand by their word and somebody need to step up and stop this now. Several website went up doing time frame when I got scammed requesting for information of this fraud activity and I clearly have all of them and the system is clearly not set up to stop them. I have informed every agency that is required and nothing has been done about it.

I am humbly requesting that you investigate this issue on my behalf. I would gladly send you all the evidence if you request it. If you like you can contact me at anytime at number listed above.

Thank you very much for your time and cooperation pertaining to this
matter and please have a wonderful day.

Sincerely,

William M. Harley

Amex Customer Service is a joke and their operation seems like scam. My aged inlaws were hit with a Costco membership through Amex and it took several letters just to close the Amex Account but they still have not removed the bogus charges. Whay would anyone use Amex when a regular credit card is much better and offeres extended payments. Their fees are huge and rewards program a scam. They offer many incentives but in the end deliver very little. Ours was for air travel mileage, but the restrictions were so great that using the points was practically impossible. BOYCOTT AMERICAN EXPRESS they are a sham company

I have to disagree with this conversation thread. JD Powers has awarded AMEX best in customer satisfaction for 3 years straight. Not knowing the actual details of the time-share issue, please remember that a time-share includes a legally binding contract between two parties. A credit card company is simply a billing agent that authorizes payment for the agreement between the parties. A credit card company is not in a position to void or alter a contract. The only recourse the 3rd party would have would focus on either a clear written misrepresentation of the product sold, or if the cancellation was done as stipulated within the terms and conditions of the contract. If the contract stated a 5 day cancellation period, it probably also stipulated a method of cancellation, such as written cancellation via registered mail or other method of validating the cancellation date. Remember, anyone can type a letter and put a date on top of a letter, but without some proof it was mailed within the cancellation timeframe, a 3rd party billing agent would have no recourse to reverse the charge. I have been a AMEX cardmember since 1979 or 80, and have to say that with all the credit cards I carry, I would use my AMEX Card with assurance of a certain level of protection, before I would use any other I have. My question is, what level of protection would there be in paying cash, check card, or check? Again, I'm not a professional in the area of the subject matter - just offering an opionion on the subject from a consumers perspective.

Boycott American Express as they SUCK. Try a FREE, no annual fee card at your local credit union. You will save a ton of money and get much better service.

Have you ever tried to complain to anyone in customer service at A.E.? Can't be done. Complaints are handled by letter. You can not speak to the executive office, the executive secretary, the executive secretary's assistant, etc. So don't even ask to speak to someone with authority. Simply put your concern in writing so they can throw the letter away.

I am having a similar experience. The problem I'm having is that I DO NOT have an american express account, Nor has anyone ever had permission to use my checking account to pay a bill. Three months ago my checking account was overdrafted by american express because they inputed the wrong account number and credited someones card. I have been on the phone with AE and was told that it was being investigated and I would be refunded by May 31, 2012. Here it is the middle of June and all they can tell me is that they have determined the account my money was posted to. But will not tell me when I'll get my money back. At first they refused to help me because I told them I didn't have a AE account. Now all they keep saying is the accounting dept will contact me. I have threatend legal action because all they do is give me the run around. No one has called me and when I call I'm given a different date of when the case will be settled.

My name is Sandra Rita da Silva and I am from Brasil. I would like to complain about the treatment that I have received when I tried to obtain a present that was my right (bonus program). This took me several hours speaking with their employees on the fone and on
the computer, but I could not have success. I think they are trying to deceive me.
My email is sandrapelii@gmail.com . Could someone help me?
Thank you in advance

One of the problems with American Express is the way they apply payments. I have been with the company close to 20 years. I am lately regretting it. I normally charge about $3000 every month (gas, groceries, everything) to the card since I pay it every month. Well, last month I got a $15.00 charge denied. I called the company, and I was told that because I "had been late" for 12 months, they had flagged my account. "Late for 12 months? What are you talking about? I always pay by the due date on line". It was explained to me that when the bill says "Pay By" or "Due Date" that such is not so. If you pay that day on line, the payment does not post but until 24-48 hours, and therefore it is technically "late." Thus, paying on the due date on line is worthless! I told this to the representative, and all I was told is that such is the way it is, take it or leave it. I left it. Now I have a Diners Club Mastercard that serves the same purpose.

With Chuck "the buck" Prince heading this organization
(since fired) you don't expect any help do you?

Some of you have had your traveler's checked cashed.

Try cashing those overseas...you will go hungry.
I do not know what the problem is but I can only guess
that Citi does not pay their bills and as such has no
counter-party agreements with American Express?

Asslam O Alikum,

Its Muhammad Faizan Here from Multan, Pakistan, I have a Complaint Against CITI Bank (Gol Bhag Branch Near to Pizza Hutt) Gulgasht. I went to CITI Bank to Open an Account. Their Staff is Mis Behaving & Mis Guiding To Customers. Today i went to CITI bank again and The Banker started Abusing.

The staff is Totally Not Qualified, They Don't Have any Informations. Very Rude Attitude.
Total Disappointing.

Regards!
Thats All