American Express
Reviews and Complaints

I gave up my American Express cards years ago.
Once American Express established outsourced, customer service in India; I bailed on American Express.
Why should they have my personal information? What stops them from copying my personal information and
using it against me.
Yes, many financial, credit, and debt collection companies are overseas. Limit your exposure to these companies.
Use cash, if you can.

This complaint is exactly MY complaint. I have gotten repeated denials of increase in credit limit from $2000. Same reasons. I did get a call from a high level representative who just reaffirmed, robotically, that "these are their rules." I have a high income, always pay off in full, have had no difficulty with a credit line 10 times higher with MasterCard (American Airlines-CitiBank).

This Delta-Amex card is not worth the effort. Too many businesses do not accept it, and in order to keep the balance low enough to avoid rejection, I have resorted to sending in payments "UP FRONT." (This didn't seem to make any difference to American Express!)

As I took the card in response to numerous solicitations from Delta Airlines, I am surprised at the fact that American Express is actually turning away my business by the low credit limit. I cannot believe that the majority of their credit card holders with higher credit limits are more responsible carriers of credit than I am.

I am in the fortunate position of being able to pay cash for virtually everything I buy, and my only need for a credit card is the convenience of those transactions by telephone, internet, certain vending machines, 0n-board airline purchases, etc.

For these, I shall use my MasterCard, and American Express can look somewhere else for a customer. I am canceling my account with them.

The same thing happened to me...But we just noticed it and it's only been 2 months...We didn't even know there was a blue card, not blue cash...We applied to the card through a link that was sent to us through a chat session with one of their agents. They opened a case...we'll se what happens.

I have had the same thing happen to me and I am also very upset about these tactics. I can tell you this. It only takes 5 people that have the same type of issue to come forward with a claim of unfair and deceptive trade practices to the Attorney General of New York. My credit has unfairly been impacted by this program of which I faithfully complied with. There are probably hundreds if not thousands of individuals being affected by these actions and I think it should be illegal. I am consulting an attorney and will fully pursue any and all remedies. Under the freedom of information act, news agencies can nudge government about any investigations being done in unfair and deceptive trade practices. They must produce documents under these requests. There is no more hiding and I bet this gets bigger and gains the attention of not only the board of directors but stockholders and stakeholders alike. I think they have a real up and comming PR issue here. Maybe they will be able to see the error of thier ways and contact 10 year members and say..hey, we might have screwed up here and need to make this right, then again maybe they just run the risk of facing more srutiny with continuing to mistreat thier customers.

Same thing happened to me. I closed my accounts with them and asked to be put on a payment plan. The first three months went fine, I paid on time...Then they sent a letter telling me I did not comply with the plan. When I called to find out what it was all about, I was told by an account manager that he did not have any idea why I was bumped from the Plan. He had put in an appeal and it was denied. I am now dealing with a collection agency that says they are working for American Express, and they are demanding pymt in full. I honestly want to pay my bill but can't do it all at once.

This has nothing to do with American Express. You got behind on your bills, they sold your debt to a collection agency. Even if they WANTED to help you out, they can't, because your debt doesn't belong to them anymore.

I got the same letter on about the same date. A notice of intent to raise APR. So I called to say, fine, close my account, I'll pay off at the existing rate. Guess what? The very apologetic Customer Service lady said no, actually you can close your account, but we're still going to raise your rate. When I expressed shocked disbelief, she said, "Well, the law changes today so we had to do it."

In other words, "Before they make what we intend to do illegal, we're going to screw as many of our customers as we can." I pointed out that what they were doing was unique in my experience -- i.e., I've had other cards notify me of their intention to raise interest rates, but never had one behave so dishonorably as to unilaterally raise my rates despite closing my account. "Yeah, I'm really sorry, " the nice lady said.

She sounded genuinely ashamed to be party to what the company was doing. I can't blame her. It's like working for one of those telephone operations where they sell fake burial plots or cancer insurance to fleece old people out of their savings.

It is disgusting to think that the law, until now, allowed a company to do as Amex is doing in this case. Amex, despite its carefully groomed image, has decided instead to throw in with the bottom feeders: the loan sharks, war profiteers, companies that sell spoiled food to Third World countries, all with the excuse, "Well, it's legal."

I'm writing to my congressman, both senators, every Amex celebrity spokesman and sending off press releases (talk is admittedly cheap, but at some point one of the press releases will get picked up). And of course closing my account, which I've since 1995. Never made an easier decision in my life.

They're slime.

Received my statement today (1/8/09) and while I just checking out all the money I spent for Christmas shopping I thought that the finance charge was a little higher than usual. Took a glance at the rate and to my disbelief it read 10.99% ---What? What's up with that I thought. Wasn't late on my last payment, didn't remember seeing any notice on the last bill (I rechecked) and didn't receive any letter notification about any increase.
Call up customer service- speak to a rep and ask her why did my rate increase 3 percentage points and she replied everyone in a certain number range on the card received the increase and were notified in November in a letter that was sent.
Told her I didn't receive any letter - she said it was sent - I said I didn't get it - she apologizes and said it was sent.
I say - please...do you think I or anyone else would have charged so much money knowing that the rate was increasing. I also said it was kinda low-handed that AE decided to increase rates in a month where people would be using their cards more than any other time of year.
CLASSLESS MOVE AMERICAN EXPRESS-CLASSLESS.

You just recently increased my interest rate to 15.25%, up from 9.99% when I originally opened my acct with you. What's up? Interest rates are dropping all over the place, and mortgage rates are under 5%. If anything you should be reducing interest rates, not increasing them. Your customer service supervisor refused to refer me to her manager or give me her manager's name, so it's pretty obvious there is absolutely no appeal process in place. It appears you just sit behind your desks and pull interest rate figures from the air, then cowardly insulate yourself from your victims?

"Stealth" Interest Rate Increase
Check your last two hard copy AMEX statements for "Important Information about your Account"
Buried in the fine print on the reverse side of your bill may be a note telling you that as of a certain date your APR on all new charges and previous balances will be increasing. (In my case 30% - from 9.99% to 12.99%)
When called they will attempt to distract you with a recital of AMEX's supposed benefits rather than give you a reason for the increase. When pressed all they can say is that they're doing this on a "lot of" cards.
I expressed my outrage clearly, figuring that my excellent credit and routine high (interest generating) balances would lead them to try to retain me as a customer. Guess again. They made no movement to retract their unwarrented so I immediatley cancelled their card after a (until now) good 10 year + relationship. All outstanding balances on this profitable card (for them) will be paid off within 60 days - and at the old rate since I closed the account.
My question is this ... Is this the kind of idiotic business plan we are now subsidizing with our bailout money. If it is, we are all in big trouble

Like others, I received a letter from american express stating my interest rate would be increased as a result of "the business and economic environment". What a bunch of SH**. I contact the consumer line and initially spoke with Monique ID#38662 - she continued to say she had the authority to decrease my interest rate but just wasn't going to do it. Eventually she determined there was another type of card that was a whopping !% lower! Yahoo.
Then I requested a call back from Jody Lattimer, an alleged "Director" in the Denver office. She sounded like a robot and kept saying "no-one, no how" would lower my interest rate in the WHOLE COMPANY...Interesting. She then told me her department supervisor was named Donette Feliciano - again in the Denver Office.
I think this company is full of greed and manipulation. I sincerely hope that everyone calls them AND WRITES THEM - and uses these individuals' names to make it more of a "personal" matter. Their general number is [protected]. It is time that we stand up and say NO. I plan to pay off my balance and close my account. Again, like everyone else - I have never had a late payment and I frequently pay on this card multiple times/month. Again, this is totally bogus and scam like. We need to cancel our cards en mass!

My American Express Blue Card fixed rate interest for the last 6 years was 3.99 %. I stress fixed rate ! Got the dreaded letter everyone is talking about. They now want 7.25%. I have been a customer for 25 years and they do this to me. I called and they said nothing could be done as this was happening across the board to all cardholders. I was pretty mad so I called back the next day and asked for a higher up in management instead of the regular clowns you talk to when you first call. I talked to a guy called Barry Arnold (FLA) and he said I had to go with the increase or pay off the card. We were at least able to negotiate the interest rate down to 6.25% which was better but still a ripoff as far as I am concerned. Is this how you treat a lifelong customer ?

This is covered in a lawsuit apparently . . .

Class Action Lawsuit Filed Against American Express Regarding Improper Increases in Customer Credit Card Interest Rates
Posted on: Fri, 17 Sep 2010 15:38:58 EDT

Atlanta, GA, Sep 17, 2010 (PRWeb.com via COMTEX) --
Atlanta law firm Webb, Klase & Lemond, LLC has filed a class action lawsuit against American Express alleging that the company unilaterally increased consumer interest rates in violation of the applicable credit card agreements. The complaint asserts that these increases were contrary to American Express' long-standing practice of tying its rates on many credit card accounts to the Prime Rate, the interest rate charged by banks to their most creditworthy customers. This commitment was established in the company's form contracts and through years of consistent dealings with customers according to the suit. The complaint states that American Express raised rates even for consumers who have always maintained their good standing by satisfying all account requirements, such as making required payments and not exceeding credit limits. Furthermore, the plaintiff claims American Express has taken such action even against those whose credit scores and general creditworthiness have not declined. The suit requests that customers be refunded all excessive interest charges in addition to several other forms of relief. The case, styled Meeks v. American Express Centurion Bank, Inc., is pending in the Superior Court of Fulton County, Georgia and has been assigned Case Number 2010CV190851.

According to the suit, for several years Mr. Meeks was charged a "fixed-variable" interest rate equal to the Prime Rate plus a "marginal rate" of 2.99 percent. In this manner, the plaintiff claims the company's interest rates tracked the Prime Rate, moving up when the Prime Rate climbed and down when the Prime Rate fell. The complaint asserts that the company unilaterally ended this practice in late 2008 and throughout 2009 by periodically increasing customers' marginal rates such that - even as the Prime Rate fell to historic lows - customers suffered higher and higher interest charges. For example, Mr. Meeks' marginal rate went from 2.99 percent to 11.99 percent and thus, even with the Prime Rate at 3.25 percent, American Express charged him interest of over 15 percent, according to the lawsuit. Mr. Meeks claims the improper and excessive rate hikes have cost him hundreds of dollars and more than doubled his monthly payments.

The lawsuit asserts that American Express imposed these higher rates even on existing customer balances. In addition, the suit alleges that American Express's offer that customers could reject this interest rate increase by freezing or closing their credit card accounts is inadequate because, as the company is well aware, most consumers rely on their credit card accounts and closing any credit line has a negative impact on a consumer's credit score. As a result, the complaint contends that customers have been forced to accept American Express' unilateral rate increases.

If you wish to discuss this action or have any questions concerning this press release, please contact Webb, Klase & Lemond by e-mail at contact(at)webbllc(dot)com or by calling [protected].

###

Read the full story at http://www.prweb.com/releases/2010/09/prweb4525714.htm.

I simply use my AMEX blue card to pay for iTunes transactions. In a year I probably pay, oh, $20-$50. That's really all the card is good for now. However, I won't be using it anymore. Creditors and banks are just cheats. We always knew this, it's just in our face now. I love the credit unions and that's where I will stay. It's either that or put my money in a mattress or hole in the ground.

I was a regular user of my American Express credit card for 12 years. I used it to pay bills and almost all purchases. Then after being a day late in transferring my payment to them on line they raised my rate to 27% There explanation was it is in the contract and if I wanted to I could choose to opt out. I asked opt out of what? I have zero balance and have no intention of ever using the card again.

But I still agree that all this credit card companies just looking for any chance to rip you off, especially when they see that you are unemployed or in financial difficulties.

I just called Amex to see what they can do with my APR, and a rep reduced it from 15% down to 10%. It was just a one quick call after reading all these comments. Why did I keep paying that high interest rate before? LOL

Yes...ethically it is a horror. But illegal -? Not yet. But it should be.

Thanks for leaving your experience online re: AMEX on the complaints board. I wish these practices were ONLY relegated to American Express--but such practices are pervasive in the credit industry in general. I have started a new, free social network where I hope all of us can keep each other alert to these types of practices. I'd love to have you join!:-)

http://credicope.ning.com/

No point touching base with James. He is no good. Just the true blue american express Blooded person. Dont waste your time.. (like I did) with this. Just move on to other Credit cards. Yes, Amex may offer benefits, but at cost of stores expenses and more and more are dropping Amex. Plus, Visa and Mastercard is very competitive and reliable. I am done giving these dorks any business..

Agreed. I had gift cards canceled for no reason, and when I called, Jeri, ext. 55214, was the rudest most unprofessional 'supervisor' I had to speak with. I am actually closing down my card thanks to this snob.

It is time we as customers show the corporate banks they cannot survive without us. Remember American Express is in more business that just credit cards. Keep that in mind when you have the opportunity to become a customer. Remember this post and how they treat their customers. I have had a similar issue and they refuse to restore my credit line to what it was. So I refuse to do business with anything boasting the American Express name. In addition, I am making it known, how responsible customers with a long standing history are treated. Please check out my blog @ http://creditlinedecrease.blogspot.com/

yeah well u can thank the new credit card laws and the greedy fat cats on Wall Street who stole all the money and gave us this recession. I had no hand in this recession, did you? Why are we suffering for it? It's very unfair, well this is the cost of living in a dog eat dog country where only the rich can survive.

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.

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.

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.

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!

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...

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!

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

I work as consultant have AMEX BUS & PERSONAL CARD. AMEX REDUCED MY BUS LIMIT TO 1500 - now out of blue cancelled my personal card. I make 100k + a yr only owe house and car payment. I think they discriminate against women >55, and single. I have paid account in full and even over paid them. Have had my cards over 10 yrs. It is hard to travel without credit cards and by choice I chose amex - now they screwed my credit report by canceling. I'm looking into lawsuit. My employer reimburses me every 2 weeks and I pay balance every time. This is not justified

Hello,

As an employee of American Express, I feel almost obliged to respond to this tripe. I am by no means a "company girl" but if there is one thing I hate more than my employer, it's the whiney, snivelling, "i've been a member since the dawn of time" blowholes they call "cardmembers." Let me give you a nickel's worth of free advice: you DON'T know how the system is ran, you DON'T know better than the company, and I can sure as hell promise you that if AmEx ever did grow a pair and do anything illegal, the governmental bodies in charge of monitoring the company (and other creditors) would shut the doors on the business faster than you could race to your piddly internet board to moan about it.

You know what your problem is? You, along with allllll the other "cardmembers" attach your identity to a 2inch by 3 inch piece of plastic. Get a life! No one cares how long you were/are a member and I can promise you the business doesn't either! You're a figure, a money spender, an anonymous blowhole in a sea of blowholes spending on their cards.

-AmEx Target for Blowhole Hostility.

Same thing happen to me today with my gold card. Funny thing is they just renewed me, and not even a month later they cancel me.

Dear Sir,
Myself Sagar Mal Rathi, I had credit Card no. [protected] . I have paid full amount in settlement with bank. Now i want 0 Balance showing statement (NOC) for CIBIL purpose. So Kindly send me those letter to my address which is -
A-102 Tirumala Apt.,
Near Ryan Intl. School,
Ujjawal Nanda Hs. So.
Evershine Nagar
Link Road, Malad W
Mumbai 400 064

Do the needful as soon as possible
Thanking you
Sagar Mal Rathi
[protected]
rathi_1960@yahoo.com

I am a on time payor with a low balance of $300.00 and am being cancelled because of high debt ratio? This makes no sense when I am sure there are higher delinquent card holders, they are punishing me because I am doing what I am supose to do.

The same thing just happened to me. I received a letter saying that my credit limit was reduced (just $400 over the balance) due to a delinquency on my credit report from Experian. I got the credit report from Experian immediately and none of my 16 accounts are late/overdue.
when I called AMEX back, they told me to fax the report and they will review and respond in 7 days.

If there is a class action lawsuit, I am eagerly looking forward to it..

My story is much the same: I have been a Costco/American Express account holder for 5 years. Last year I had my credit limit reduced. Last week I paid off my balance which was never late or over limit for any of the 5 years. Today I went to Costco and bought a battery in the tire center and my purchase went through. I went inside the store to buy some things and my purchase was declined. After calling Amex I discovered they cancelled my card between the two transactions, less than one hour apart! I lose my cash back bonus and I don't know what happens to my credit rating.

My husband and I recently came into some money and we used it to pay off bills. We each had an Amex card with a balance of between $3, 000 to $4, 000 each, which we paid off. We've had the cards for around 2 years, never late, never over limit - in fact, this is true for all our obligations. NEVER late.

Approximately 2 weeks after the accounts were paid off, my husband's account was cancelled. Because my bill cycled later than his, mine was cancelled a couple of weeks later - I just saw it on their website today when I checked my account.

I am livid, but gratified to see from this site that we are not alone. The only reason I wanted the card was because it allowed me to purchase event tickets before they went on sale to the general public - just last month, I bought tickets to see Paul McCartney in concert using the Amex presale code. Luckily I got this purchase in "under the wire" before the weasels closed my account.

I intend to write a letter with a copy to the Comptroller of the Currency, who regulate bank cards. I suggest you all do the same. Banks are required by law to respond to such complaints within a proscribed time frame and they HATE hearing from regulators. It will cost them attorney time and money to respond, so be sure to do this.

After calling Amex a couple times, they finally agreed to credit my account for the $270 cash back they owed me. Subsequently, I had to call them, and ask them to cut me a check because the account was closed, and I could not use my credit for future purchases. But...after sending me the check, they sent me a letter stating that the $270 amount is still under review for legitimacy. I'm still confused, but I'm happy that I got the money that is owed to me.

I am a late 30-s business consulting professional with a 6-figure salary and bonus (house in LA, 2 cars and VERY GOOD CREDIT). I had an Amex Costco card with a credit limit of 42K since 1996 or so. Because I use the card for all of my personal and professional expenses and I travel to client locations all the time, Amex has been on the hook for annual cash-back reward due to me at about 1.8K each for each of the last 4-5 years. A day after I paid off the balance to 0 from an investment which just matured I found that my card was declined for a 10$ dinner check. After I called Amex they said the account was cancelled due to my declining credit score! If anyone is looking for witnesses for a class-action suit please keep me posted. I will join one as a matter of principal just to let some sleazy but annoying litigation attorney drop some flies into Amex’s ointment for being such unprofessional and sneaky lowlifes.

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.

On Feb 25 2001 I transfered balance on blue AMX card to another card with 0 % interest. Today april 28 2009 I recieved a call from AMX saying they were trying to collect $2017.00 on said card. They claim they have been trying to collect this from 2004 and all billing they sent was returned by post office. I still have the same address, they had my PH#, how else could they call me. Looks like they need money. Save your recipts for at least 10 years with these people. I did not. Robert Smith Middlefield CT. 06455

I went and got gas today May 27th 2016 and I put in $12 worth of gas and you guys took out $75 worth of my money. I called American Express and they said that my money will be refunded within 8 to 10 business days that does not work for me. I have my money today for reason you need to stop taking out more money than I have spent. Whether it be a rule or what you should never take out more than I have spent I will definitely not recommend you to anybody else

Here's the short story... Had an Amex Card that I maxed out (my mistake) and was charged big rates (25%), tried to negotiate rates but was told I needed to enroll into one of there payment plans first. Have been on for 18 months making payments and graduated from their payment plan, as I now go back to readdress old interest rate levels, now the the story is we don't negotiate. So, the story from 18 months ago has done a 360 degree turn with no help from Amex. Loan shark with a plastic card... The sad part is their story about trying to help people get out from under. They are in fact they are just giving enough breathing room to keep you making those payments.

Pathetic company who has no value for their long term clients. Customer for 12 years and called last week to inquire about a interest rate reduction to what other rates are being offered. They denied it. Then 1 week later I discover the cut my credit balance was cut to what was owed with no notice given. $13000 credit line reduction. When asked for an explanation, they tried to say it was credit report. Absolute lie as my credit is the best its ever been in the history with the company and least amount owed. Find it pathetic they cut it, because i asked for a better interest rate. Card will be paid off. American Express should have been allowed to fail, instead of tax payers bailing their butts out, and government converting the to a bank. Th3y mismanage their business, taxpayes had to save them, then they screw over customers who pay their bills on time.

I have s significant work history with American Express. I do not work for the company any more. I am seeking a new position. American Express is using Worknumber service to verify past employment with the company. The information that worknumber has on my employment from American Express. is missing 7 years. I have tried to straighten the issue both with American Express( there is no one I am allowed to talk and switchboard refers me to Worknumber) and Worknumber ( they claim that they cannot communicate to the company to address the issue, are left what they were given in the first place and keep advising me to try to talk to American Express).
I have a real issue with the significant gap in my history with AMEX. This is preventing me to obtain new employment and makes me to appear non sincere for my prospective employers, I am disgusted of the process the companies have created for obtaining my employment history and the impossibility to addressing the issue to resolve

Imagine when you have a credit limit of $9, 000 and you are not even near that, and you have never, ever, ever, missed a payment, etc., etc, . etc, . and all of a sudden ...they crash your limit ...the LETTER is in the mail! Never got it...OOOPPPS! as the csr's always say " I understand" ...REALLY? Anyways, we have always heard that American Express is the worst to ever have, , , , , ...now we know...Thanks...American Express...we will never deal with you again!Worst ever service I have ever received ... on the phone and elsewhere...at least we won't deal with you again...

dear sir, ,

late payment fees hadbeen charged by the banker despite of made full payment before due date,

and the amount has been credited as well, in the statement send by the banker, before due date..

so, what to do, , ?

even called to customer care they are not willing to give service request number of my complain, ,
and the attendent also not willing to give the employee id, number..

regards
bhawesh badalia

I advanced 11, 774 American Express membership points that are worth $117 on October 4, 2010 to buy gift cards in combination with my existing points. on March 5, 2011, I closed the account because I had moved my primary residence out of the US earlier. At that time, I still owed the company 10, 052 points. I would not have closed the account, or I would not have borrowed the points for that matter, if I had known how the company will deceive me. I later found out that the company charged me $251.30 for the remaining 10, 052 points. It is equivalent to 134% interest rate over 5 month periods. I have been a loyal customer of American Express for the last 10 years or so. This practice will shame loan-sharks.

To Whom It May Concern:

Yesterday I went to Costco to purchase some goods, and my American Express (AE) card was not accepted. I called your 888 number and was told it was due to some "external delinqency" I had. I assumed it must have had something to do with my student loans so I called the federal loan tracking number and talked to a woman by the name of Shirley, who told me that none of my loans were delinquent.

So, I called American Express back again and talked to four people, one of which hung up on me. I have the names (which I will leave out) of the five people I talked to including a supervisor from the Credit Operations Dept. All I was told was I was up for review on a few days ago and that a report from Experian led them to decide to close
my credit card, that is, without calling me, emailing me, or sending me a letter of any sort.

My question to them was, am I or have I ever been delinquent with my Amercian Express account? Any derogatory? I know the answer. I have paid on time and am on good terms, yet they decided to close my account based on secondary information that claimed I was "delinquent" when I am not.

I have requested a credit report and a list of my rights and it shall take 10 days to arrive. According to what I see I expect to follow up on any information I receive. I find it quite sad that a company of their reputation would act in such a manner, without even caring to contact me. If they had bothered to contact me I could have informed you that I just finished a Masters of Science in Nursing from a top notch private Jesuit University, and I am now working at a hospital that reputes as number one in many areas, and that I would have no problem paying any of my debts. Nevertheless, they decided to go forward without verification of any sort. Naturally in our economy, I understand that their action was a pre-emptive decision based on fear. What type of consumer service is that?

I got a parcel from mail saying "free gift inside" from American Express, I opened it and it said if I want to keep it, it would charge me $20 on it, otherwise I would have to send it back. Since I didn't want it so I called customer service and asked, and she said just put it back in the mailbox and the postman will take it. The postman didn't take it because I opened it, so I need to drive to the post office and pay for the stamp and send it back. But with all the information inside the parcel, how am I supposed to know what that is without opening it. It makes me so angry because first of all, if the "gift" is not free, then just don't say it's "free gift". Second of all, It was a real hassle to send it back.