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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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3:47 am EST
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American Express late payment

I have had an amex for nearly 3 years. I was told i had a grace period to make my payments online. I get a letter in the mail stating that because of a late payment my interest rate went from 10.99% to 27.00% . my due date was the 9th. i fell on a sunday. i processed the payment on the 11! and because of that im being changes. 2 days! i called to speak to someone the WOMAN was rude. All i heard was " I TOLD YOU" thinking she was answering my question and being a smart a$$ about it and she didnt even answer it! So TERRY ID # 38101 IM NOT EVEN FINISHED WITH YOU YET-

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Chanel77
Shelby, US
Jan 27, 2011 5:13 am EST

You can make online payments on a Sunday. It's not Terry's fault that you made a late payment, it is entirely your own.

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7:26 pm EST
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American Express cancelled card

I have been an Am Ex customer for several years. I have a perfect pay history and my FICO is currently in the low 800's. I received an email today stating they were cancelling my card. No reason whatsoever was given. I called and after waiting on hold for over 45 minutes the call was answered by someone in India who spoke extremely poor English. He put me on hold again and after waiting another 15 minutes the call was disconnected. This is outrageous. I guess they didn't get enough of my taxpaying bailout money. Does anyone know of anyway to file aa formal complaint against them?

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valerie
East Hampton, US
Jan 25, 2009 4:44 pm EST

had platinum and blue card accounts. paid for first year of platinum-$625- and never used them. cancelled when i received the renewal. received another bill, ignored it . blue cards cancelled eithout notice one month later. have been customers for 25 years.amex claims we never cancelled platinum cards

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fly-global
Nashville, US
Aug 13, 2009 9:43 pm EDT

I opened an American Express account six weeks ago. Yesterday I attempted to use my card and the charge was declined. I telephoned American Express and was informed that my account was cancelled after a review of my credit - the same credit that was reviewed when the account was opened. I contacted Equifax and obtained a copy of my report via their online service today. Nothing has changed on my report, except it is two months older. American Express cancelled the card without notice or warning.

I want to sue for their acts. Anyone interested in a class action suit? I suggested everyone cancel thier card. If enough consumers cancel their accounts it will cripple them.

If we don't stand up these companies will continue to rip us off - after getting unknown amounts to help them survive. I want to hurt them where it counts. PLEASE CANCEL YOUR CARD.

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iron1m1880
LaVernia, US
May 04, 2011 10:37 pm EDT
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I opened an account with American Express with an average credit history which has not changes with the exception I added a Kia because of the gas prices, and my wife and I bring home over $11, 000 month. I have made on time paymrnts of $3700, $2200, $2400, and $2700. with the same information they now cancelled my card. Are they reliable to America, wrong name for their card.

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peacenjoy
Lawrencev, US
Jan 06, 2011 5:49 pm EST

Sorry to hear what happened to you. I suppose they can do whatever they wish to whomever. They may have cancelled your card because you pay your entire balance. They are not able to make additional money from you as they do with other customers.

You see: If you make a payment late ...even though they use a rotating calendar which changes the due dates, and even though physical payments must be in 7 days prior to the rotating due date or made online to be on time, now they can charge you a late fee.

Also, if your credit score drops or you buy certain trigger items with your card, (like grocery) or you are late on other cards, they can increase your interest rate.

They also have been known to issue credit (to pay back over time) then reduce it below the amount issued so that a person is over their limit. So they can charge an over limit fee.

By maintaining a good record with them, you are not a customer they can make enough profit from. Therefore they are doing you a favor by helping you organize your monthly purchases and repay them which they have decided is not profitable and therefore they cancelled your card.

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sviatoslav
Tucson, US
Sep 22, 2010 10:46 pm EDT

American Express sucks. they canceled my card with no notice and stole my 250, 000 points. I've always been on time with my payments, I guess they got scared that I was using so many points for a hotel and they had to pay for it. Remember the movie bugsy siegel. He said steeling money is a different form of rape. so I was raped by American express. If anyone can screw them over go for it, god will be on your side.

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Daviddweber
Charleston, US
Aug 23, 2009 7:28 pm EDT

American express lowered my limit from 10k to 7k to 1200.00over the period of three months and pretty muck ruined my credit. If anybody is sueing let me know I am in.

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paul45
London, GB
Aug 20, 2009 5:03 am EDT

I guess I'm fortunate, I only had Amex reduce my credit limit - without informing me though, which I think must be some sort of breach. I have had Amex personal and corporate cards in the United States for 11 years, in Singapore I am a current platinum card holder and former corporate card holder and in the UK (where I currently live) I am a corporate card holder for 3 years and a personal card holder for the past 3 months (their BA air miles card). For my July bill on my personal card due first week of August, I was out of the country for about 3 weeks and missed the payment. Nonetheless, I phoned them a week after it was due and made the full payment. I have always paid in full, on time. This was the first breach of that perfect record. They reduced my already meagre credit limit to a laughable 2k sterling. It is kind of a joke when you consider I have limits of around 25k USD in the US and 50k SGD in Singapore. They gave me the same lame explanation as mentioned above, about poor showing on a credit report. I checked the credit report and there was nothing at all there. No marks whatsoever. When you consider how poor the support is for Amex among the retailing community, you would think they would still be trying extra hard to provide excellent service to card holders. That doesn't seem to be the case any more. I don't think sueing them is the answer though. I think the time is ripe for an alternative however.

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another opinion two
, US
Aug 19, 2009 6:58 pm EDT

We have (make that HAD) a personal AMEX (since 1974), a business AMEX (for 8years) and were accepting AMEX via our merchant status (for the past 4 years). On 8/18, we received a letter from AMEX dated 8/11 advising us they were exercising their right under their merchant agreement to begin 'holding' funds due to us in 'reserve' under some b.s. they called a 'business decision'. Lo and behold they also cancelled both our personal and business cards this week which have NEVER had a late payment, NEVER been over the credit limit, and RARELY have a carryover balance. We have excellent credit. We were told we were 'costing' them money because we pay in full. Needless to say, we have cancelled our merchant status with AMEX (but will accept cards that 'seem' to appreciate our business) and are thoroughly disgusted with what used to be a small business, customer friendly company. The are now lower than the stuff slugs excreet. AND...took our 124, 918 award points advising because the card was closed, the points were no longer valid. HEY YOU AHs -- YOU closed the card without warning for no sensible ethical decision. Well, know what ? What goes around, comes around and I hope you get yours SOON.

A class action suit may be what it takes...

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1:48 am EST
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American Express complete lie

Trust American Express as far as you can throw a hippo.
Here are some ways to get there attention. It works!
Send Kenneth Chenault a certified package (usps) with your letter inside with your issue. Here is the adderess to use ( Kenneth Chenault, 65 Overlook Circle- New rochelle, NY 10804) also you can send to his office ( American Express -200 VESEY Street Suite #51 floor# 40-New York NY 10285.

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peacenjoy
Lawrencev, US
Jan 06, 2011 6:02 pm EST

Thank you.

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3:50 pm EST
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American Express reduced my credit line; suspend the card

I used American Express Credit card for over 5 years, it is un-limited credit card. I always made full payment until last year my econimal situation became worse. However I still made payment to meet the minimum payment request every month. But American Express suddenly reduced my limit to $3000 and stopped my using cash advance, which resulted me big inconvenience.

This month, I have a statement, due day is Dec.10, 2010. I got the statement late and made payment exactly on Dec.10. Since this card is linked with my ESSO speedpass, I found I couldn't fill the gas with speedpass. then I realized this card was suspended. I also use this card for cell phone automatically payment etc. The suspending my card has brought me trouble, I have to call and change credit card. My question is even they didn't receive the payment on time, they can charge me interest, why should they suspend my card? (My balance is only $1400, the limit is $3000.)

I have made full payment and decided cancelling this card.

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sunil kumar agarwal
, IN
Sep 24, 2014 3:57 am EDT

dear sir,
i am holding American express platinum reserve card since 2009. my credit card number is [protected].on Monday 22 September 2014 i requested to block my card due to some fraud transitions, the same was done.i requested your credit card team to issue me a emergency credit card as i have to fly to Oman on Wednesday. .They told me that the card will be ready and you have to send your person personally to collect the card with the following documents
a) passport original, as well as photocopy duly signed
b) letter of authority duly signed
c) original id of the person collecting the card, as well as the photocopy duly signed
d) pan card photo copy duly signed
I HAD SEND my person with all the requested documents to your office at cyber city at 16.00 hrs . this to my utter surprise that my person vinay kumar was standing at your doorstep. he informed me that you have to gave a telephonic conformation and than they will hand over the card to them. i called American express credit card team form times. every time they keep me hold more than 10 mins and every time they informed me that credit manager is busy and he will call you after five mins . that five mins never turned up. lastly i called them at 5;30 pm, and asked what happened.
your team informed me that your executive is not holding all the document and now our office timing are over we could not able to help you. after hearing this words from your team my temperature got shoot up . i told them who was that person who has given this report, he has not replied to any of my question. there was lot of things i asked but failed to reply .
my complaint is very serious and i want to know the action taken regarding this.
thanks
sunil kumar agarwal

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American Express incorrect balance

I openned my AmEx Blue account with a balance transfer. Soon afterward AmEx told me that they were being required to carry the balance for life at 0% interest. I can only assume they got caught doing something wrong. So far so good. Then it went sideways. Amex screwed up payment #2. they result was a cascade of payment crediting foulups and repetitive charges and credits. Eventually AmEx admitted all was their fault and cleaned up most of the mess. Somehow in the process they lost over $800 in payments. I have been complaining for 2 years. Each time they don't bother to just do the math. They take a guess at what I will settle for and throw me a few dollars. I finally had them send me a complete billing history. I created a spreadsheet of the original balance minus all the payments and proved exactly what they are missing down to the penny. I sent them the spreadsheet. I did all the math for them. Explained it all in plain english in a letter. So far they have failed twice to understand. They have sent back inquiry closed letters with answers that have nothing to do with the inquiry I have filed or the information I have sent.

I would like to get this resolved, but in the end I will just pay them what I owe them and close the account.

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American Express unusable

I recently purcahsed American Express travelers checks in Chinese currency. They were not accepted at any restaurant or hotel. The only place that takes them is the Bank of China. Even there, the first branchIwent to would not take them. When I finally found a branch that would, the transaction required 3 people and 30 minutes. At a large branch in Shanghai, I had to beg tem to take the check. The transaction took over 30 minutes.
They are selling a product in the US that is uselss in China unless you want to spend your day looking for and at a bank.

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American Express fraud alert - identity issues

I have been an AMEX customer since '07, used their green, platinum and now gold card. I move quite often and of course, I alway update my personal information for billing and shipping purposes. I average balance is between $5, 000.00 - $8, 000.00, which is always paid in full and on time. I have relocated to Washington, DC in May and have updated my address right away. Couple of weeks ago I wen to ATT store to purchase a phone, the charges were around $330.00 and the charge wasn't authorized. I have immediately received a call from AMEX 1800 number, asking me to confirm through their automated system that I was indeed the person making the purchase, which I did. I waited couple of minutes and told ATT rep to swipe the card again. Didn't go through again, so I called them back and talked to AMEX cust. svc. rep, she insured me that they are just making sure that it is me using the card. However I was so upset about the whole ordeal I just ended using my check card and left. Later on I called them again, I wanted to know what prompted this fraud alert. I have made a purchase (Tiffany & Co. in Tampa, FL, total charge over $7, 00.00) while I lived in Okahoma City and nobody ever considered calling me and making sure that it is me charging the card...The rep told me that this is just random fraud alert, didn't give me any details about what triggered this whole thing. I have explained to her that AMEX is the only credit card I have and use it every day, and since they denied a 300 charge, I don't feel comfortable using it every day, since I never know when it's going to work...I kinda got over it, thinking it is a one time unpleasant experience and moved on. Fast forward to this weekend (not even two weeks after ATT store visit). I tried to make a purchase online from Horchow.com (total of not more than $500.00) and my orders (two separate ones) got cancelled. Called Amex again, and was given the same speech about identity fraud and was told that I NEED TO FAX THEM MY SOCIAL SECURITY CARD, DL and UTILITY BILL in order to use the card, so they can confirm my identity. I was mad as hell but I did (except the SS card, I forgot) so after I faxed it I called them to confirm they received it and was told that it will take up to three day to review these documents and they will get back to me. She said that they need my SS card or my W2. After that I just completely lost it and didn't pick my words at all, if you know what I mean. I did tell her that I will get the SS card to them, wait until the end of the billing cycle, pay these idiots what I owe and CANCELING, CANCELING, CANCELING. AND DO NOT WANT TO HAVE ANYTHING TO DO WITH AMERICAN EXPRESS EVER!

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American Express deceptive business practice

I received my first American Express card as a college student in 1982. The sole, thin plastic card in my wallet carried an important weight for me; I felt grown up and financially validated. Upon graduation I moved to New York, and as a young executive, I used my card with great pride. I often enjoyed a light meal and beverage at the newly opened Smith and Wollensky, sitting elbow to elbow with Manhattan’s business elite and proudly paying with my Green Card.

Over the years I was invited to receive many American Express products. I was an inaugural Optima cardholder, and my Green Card was upgraded to Gold and then subsequently Platinum. I fully enjoyed the benefits of the cards, which I felt were well worth the annual fee. Over time I used my American Express accounts to purchase hundreds of thousands of goods and services while maintaining each account in good standing. Through their OPEN program, I financed the growth of my small business, continually keeping my accounts in good standing.

Over the years, American Express changed many of their policies and the days of “no preset spending limit” were over. Credit lines were actively monitored and often reduced. Yet, this was perfectly understandable. Their website enhancements were exceptional, particularly the option to receive immediate credit for an online payment.
This is where the problem started. Although I had no current balance due on my Business Platinum Card, I made a $500 online payment on August 4th to provide additional funds for a trip I was taking to Spain. Due to a technical issue with my bank, the payment was returned, resubmitted, and my card was credited on the 6th. As I had a sizable credit line available, I felt comfortable using this card as the primary form of payment during my trip.

On the eve of my vacation, I received an email notifying me that my Optima card was canceled without any explanation. I still boarded the plane without concern as my other accounts were in good standing (as was the Optima card, however). I used my card frequently in Barcelona, until August 9th, when I was inundated with emails informing me that one card after another was being canceled. I made numerous calls to American Express seeking an answer. Each time I was graciously thanked for being a member since 1982, but also told that due to a returned, unpaid electronic payment my accounts were reevaluated and subsequently closed. I would deem the responses scripted and robotic. Nothing could be done to reinstate the accounts although they were all in good standing. Thankfully, the Business Platinum card I was carrying was not closed nor was my personal platinum card, which I had left at home. Each time I spoke to a representative, I explained that I was in Europe and needed access to my remaining account until I returned home.

On the evening of August 9th, quite literally when the hotel check was presented, I received an email that my business platinum account was closed. After a lengthy and embarrassing call to customer service in the middle of the establishment (again, with the same robotic response), my business associate paid the check. Later that evening, I again called customer service asking that they allow me to pay my hotel bill. After long delays, they reluctantly agreed. That was my last charge to the account.

When I returned to the states on August 9th, I called customer service and asked to speak to a supervisor. Repeatedly, I received the same robotic response. I asked myself if it truly made sense to humiliate a-28-year member based upon a purely algorithmic evaluation of my accounts. I attempted to rationalize the fact that the Business Platinum card required payment in full, which without fail I made on a monthly basis. In addition, the rather large annual membership fees would be lost, and of course there were thousands of dollars in expenditure charged to the multiple cards. The supervisor actually seemed truly compassionate. She stated that until just recently she had the authority to override a matter such as this but “those days are gone.” Since she worked with the OPEN accounts, she could not comment on my personal Platinum Card.
Over the next week, my personal platinum card remained active, and I repeatedly called American Express to ensure it was in good standing. On August 13th I spoke to an individual who assured me that may account was in good standing, but “to just be certain, ” I should wire the $1, 546 payment that was due. I followed these instructions and the account remained current. Days later I received notice that the account was closed. I made my last plea to an American Express supervisor, was again thanked for my many years as a card member, but “due to a returned payment” nothing could be done.

On August 20th I received a renewed personal Platinum card in the mail and was excited that American Express had reconsidered their position. I immediately called to activate the card and received the welcome response “your card is now ready to use.” I went out for lunch, and upon using the card to pay the tab, it was declined. Outraged, I again called a representative who was relatively speechless. She said it was sent in error and that the gentleman who suggested I send the wire transfer while assuring me the account was in good standing, had no authority to make such a commitment. I asked at a minimum the $25 wire fee be reimbursed, which she said she would look into. There has been no response to-date.

To make the situation even more horrific, I’ve incurred a $1, 097.35 fee for $500 in traveler’s checks I ordered on August 10th through the Members Reward program. With the assurance that my personal Platinum account was in good standing, I used 40, 000 points and was advanced the balance through the Membership Miles program. This allows a ward program member time to pay back the miles with future purchases. Never would I have done so if I was not assured my card was in good standing; the $1097 charge is a result of absolute deception on behalf of American Express.
As all my accounts have been closed and my 28-year relationship with American Express shattered, I enrolled all my accounts into a debt consolidation program. Seemed I had nothing to lose, I repeatedly lived up to my financial commitments with American Express, yet they choose to shun me. I found it truly absurd that at the end of each of my many customer service conversations, the representative was sure to ask, “is there anything else I can do for you?”

At a minimum, I think it just to be reimbursed for the $25 wire fee (the payment could have easily been made online for no fee), my accrued membership dues, and the outrageous $1097 “point advance fee, ” which was imposed with the knowledge all my accounts were to be closed. I would be happy to return the $500 dollar equivalence paid with advanced miles. Most of all, I would like to have either my personal or business platinum account(s) reinstated.
Is this practice legal? Are there laws in place to protect the consumer from unfair credit card penalties such as these? In one felt swoop can an outstanding card member of 28 years be chastised due to a simple ACH technicality while all accounts remained in good standing? Your assistance on gaining resolution to this matter will be greatly appreciated.

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Update by rtodak
Oct 18, 2010 11:56 am EDT

Thanks for the grammar check. I still believe that I have been deceived. In fact, the supervisor from Membership Rewards admitted it was unjust but was powerless to make a change.

The following is my response to Amex's canned letter, which doesn't even address the issue point issues:

October 17, 2010
Robert Todak

Ms. Jean Kanstroom
Executive Assistant
American Express Cards
777 American Expressway
Ft Lauderdale, FL 33337

Re: canceled accounts

Thank you for your response to my recent correspondence. It is unfortunate American Express is unable to recognize my years 28 years of loyalty and impeccable account record, nor resolve some serious issues.

1. The bait and switch scam: I’ve incurred a $1, 097.35 fee for $500 in traveler’s checks I ordered on August 10th through the Members Reward program. With the assurance that my personal Platinum account was in good standing, I used 40, 000 points and was advanced the balance through the Membership Miles program. Never would I have done so if I was not assured my card was in good standing; the $1, 097 charge is a result of absolute deception on behalf of American Express.

2. The “everything will be fine” wire transfer: Over the next week, my personal platinum card remained active, and I repeatedly called American Express to ensure it was in good standing. On August 13th I spoke to an individual who assured me that may account was in good standing, but “to just be certain, ” I should wire the $1, 546 payment that was due. I followed these instructions and the account remained current. Days later I received notice that the account was closed. I made my last plea to an American Express supervisor, was again thanked for my many years as a card member, but “due to a returned
payment” nothing could be done. I demand the $25 fee be returned.

3. Final, I expect the prorated annual membership fees on my cancelled Platinum and Gold accounts be refunded. It insulting and unjustified.
Finally, I am willing and happy to pay the entire balance on either my personal or corporate Platinum Cards in exchange for reactivating one of the two accounts. After my 28-year relationship with American Express, I would expect this to be reasonable and prudent
.
Sincerely,

Robert J Todak

CC: Kenneth Chenault
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American Express doesn't work

I bought this gift card and loaded $500 on it to do online transactions until my replacement debit card from my bank comes in the mail and IT DOESN'T ###ING WORK!

Yes... I even called in the AMEX support center and updated my address, name etc. and put all those details into the websites I've been TRYING to order from, and it always fails. AMEX representatives have informed me that it's not their fault it doesn't work. ### AMERICAN EXPRESS!

Conclusion:

Don't buy this gift card.

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Sanderle
Santa Barbara, US
Dec 11, 2008 2:22 pm EST

We ordered an AMEX gift card and received confirmation on November 24th. When 10 business days were up I called the following three days asking where the card was. Was told all three times it was still on it's way and to wait an additional day. Finally on the 11th an agent admitted they didn't know where the card was and would have to reissue it. However it would now be another 5-6 days! When I asked if there was a speedy way to receive it they said no. By the time I get this card (if I get it) it will have been almost a full month since the original order.

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american express gift card
cllairton, US
Jun 26, 2010 10:13 pm EDT

brought american express $100 gift card from walmart, tried using it and was declined

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paulie42652
, US
Oct 01, 2012 9:04 am EDT
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My wife purchased a $1, 000 gift card online to be delivered by United Parcel Service. The card never came, AMEX denies all responsibility and admitted the card had been used and all the value was gone.

Then attempting to get satisfaction from American Express she was basically told "tough luck." Again we NEVER received the card. How a company such as AMEX can get away with leaving my wife out $1, 000 I will never understand, but telephone complaints have not worked, and a snail mail to American Express Customer service has gone unanswered after more then a month. They are no better then any Internet scam run by organized crime. They are thieves.

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pobarjenkins
Minneapolis, US
Sep 25, 2010 10:18 pm EDT
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Some companies don't let you use those gift cards as payment.

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American Express expired card use

I found that both my Amex credit and charge card had been used this year, both for the same amount total almost £3000.00. The problem is both cards are old expired cards from 2 years ago. This is not the first time that somebody in Amex has pulled this scam with me, two years ago the same thing happened for a 5 figure sum, again on 2 different cards that had both expired long ago. I thought Amex were one of the best companies around, but now they are showing that they are nothing more than common criminals. Nobody can use expired cards, that is unless you work for Amex. I wonder how much they have stolen from me over the many years I have trusted them. I will never have online statements from any company again.

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American Express fraud by amex of amount 1,83410 rs.in india

dear sir I am your card holder. no xyz I paid rs a1, 83410 rs in cash on 26 july 2010 I was in a hurry as I went away to nagpur for my father died and could not check the date he took the money and put the date of 28th aug 2010, I dont know the man as he had the booklet of amex and had the identity card the point is your amex people have yet not credited my account I have the slip with me kindly look into the matter it is a shame that a company of ur stature hire such collection agencies thanking you my e mail is [protected]@gmail.com hoping u will do the needfull thx..

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American Express unlawfully aiding & abbeting fraud

I called Expedia (to avoid the web site) and spoke to a human representative. The human spelled my name wrong on the ticket (their error) so the ticket was not usable (you cannot board a plane if the name on the boarding pass does not match the name on your ID). I notified them immediately (but spent 6 hours on hold. I talked to India and Manila and other non-fluent English speakers who acknowledged the error but refused to correct it. (There is "a charge" to correct it). I called United Airlines and spent hours on hold (being transferred from one phone to another - listening to Rhapsody in Blue from the 60's) United Refused to correct the mistake (and they had US Airways on the return trip). I called Priceline (hotels) and after hours on hold they refused to acknowledge the notice. (ignored my call). So I called American Express and customer service understood that nobody would pay for a ticket that was WRONG and that there were weeks of opportunity to correct the error. So they started an investigation. Whomever does investigations decided it will be easier if I pay the charges than if they refuse to pay so I GOT BILLED. What this boils down to is that Expedia and UAL (and US Air and Priceline) KNEW that they tickets were not valid but KNOWINGLY submitted them for payment as though they were valid faililng to disclose a material fact (that they cannot be used to travel -- to accomplish the objective). American Express KNOWINGLY accepted their FRAUDULENT submission and aided and abetted them to collect from me (the object of the crime). But each of them (Expedia, UAL, US Air, American Express, Priceline) KNOW that there is no consequence for a crime they conspire to commit and do commit (there is a federal RICO statute but nobody cares). Experian, Transunion and Equifax will further aid and abet the parties. But I refuse to pay the fraudulent charges. There will be serious consequences for me but it is not just. No lawyer will help me since the cost is less than $500. Lawyers will help the other parties. I am on my own. Costco will not help me either (I called them). All of them KNOW what happened.

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11:36 pm EDT
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American Express american express lies

I have been lied to for 8 months by this company (amex) they have told us that they would re instate my centurion card.. They told me they would refund 1 2000.00 deliquent fee, they have told us this and that by 30 different people... They have no answers other to pass you around and treat the consumer like sheep and or cattle...

I have charge millions of dollars on this card and have paid in good standing... Received a letter of reintatement and guess what they even say that is a lie... I would like to tell you that I have never been treated so un poorly in my entire life by a company that used to be a good company... It all changed 3 years ago... They were given a free loan by the us government... But goodness sake man give us people a reason not too... I would like to inform as many people as possible to stay away from them

Thanks

Mindi

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1:08 am EDT
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American Express rebate fraud

My credit card agreement states I am to get 3% rebate for my gasoline purchases. My bill reflects only a small portion of my gas purchases were recognized for this credit. On inquiry to American Express, they stated that my purchase of "automated fuel disp" by ASTRO (a gas company) would not be credited with this rebate "because the company's original registration with American Express did not state they were a gas station".
The only other sales by this place are cigarettes (my family and I don't smoke).

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7:53 am EDT

American Express I am stunned by the lack of rectification Amex has produced regarding the misinformation they provided about my gift card

I am an experienced business person, which is why I am stunned by the lack of rectification Amex has produced regarding the misinformation they provided about my gift card. On 5/7/10, I attempted to use the small remaining balance on a $50 gift card ($11.65) toward a much larger purchase at an area Walmart. In order to process the card, the clerk needed the balance, which I'd forgotten, not having used it in a couple of months. She advised me to call the # on the back of the card, the "help" #. I did and was told the card no longer had any balance; that it had been used up in a February 2010 Target purchase. Therefore, the clerk discarded the card, and I paid for my purchases otherwise and left. When I got home, I reviewed the register receipt from that Target purchse, only to find the card, in fact, had an $11.65 balance...NOT A ZERO BALANCE! I'd been misinformed;HURT BY THE HELP FOLKS! I called Customer Service 5/10/10 and, without the card #, they could do nothing but advise me to fill out this form...sort of "the victim being punished" theory. In the computer of the gentleman who took my call Friday, lies the information about my card...they have it, I don't. I was told it was worthless when it wasn't. It's sort of "legalized theft" by explanation of "Oops! I made a boo-boo." CS must have told me 25 times how sorry they are and how much they apologize, but not once did they offer to send me a card for the $11.65 they, in effect, took from me! That's all I want...an $11.65 Amex gift card. As a business person, I might even continue to consider Amex gift cards I'd thought of doling out. Without it, I most certainly won't! How could I give the gift of victimization to someone?! I cannot provide card #'s due to Amex's misinformation, so my money becomes Amex's. What kind of business environment do we have; what kind of human beings are making and dishing out policy within businesses? Sad thought, no?

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1:11 pm EDT
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American Express a cruel and unbelievable act from amex

The day before I traveled to china to adopt a special needs toddler, I called american express to let them know I would be using their credit card solely (And no other card) while in china for 15 days. (To earn miles, of course!) a week and a half later I tried to use my card, which had a very high credit limit, at my hotel in guangzhou. The charge was denied and I was informed that I was over the limit by $300! Sure there was a mixup, I called amex, who told me they had lowered my credit limit by over $13, 000 while on my trip! My tears, pleas, requests for a supervisor were ignored, and I was simply told the exercised their right to do it and that my credit score had just gone down, maybe because I had charged over $5, 000 in plane tickets on their card.

So thanks, american express for the baby gift. I will always remember my trip to china and how interesting you made it for me. And yeah, this is beside the point, but it felt especially cruel after the amex rep had just a week before thanked me for letting me know of the trip, added a note to my account, and wished me a wonderful trip, adding what a precious thing I was doing to help this child.

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6:20 am EDT

American Express they are unethical in there business practices

I filled out an application in the airport and only put down my information for credit. American Express put two other card holders on my account and now will not send me the original application that will prove it and sent me a word document as my original application for credit. They are unethical in there business practices. I never used the card and now I have a balance on my credit report they (American Express needs to remove it).

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8:49 pm EDT

American Express jacking up interest rates is an unfair practice

Call me an idiot for letting you do this to me a 2nd time. It appears if a customer starts making minimum payments or is nearing their limit you jack up the interest rates. For no good reason, you decided to increase the interest on my acct, and at a time when interest rates are going down all over the place. I never been late on a payment, and my credit rating is excellent! The supervisor in customer service refused to refer me to her manager, or even give me her manager's name. You obviously do not want to discuss your policies with your customers. Jacking up interest rates is an unfair practice. Why in the world would you feel 15.25% interest rate is justified at a time when mortgage rates are under 5%? You are gouging your customers... and furthermore you know it!

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ZAYNE22
ft.oglethorpe, US
May 11, 2010 9:55 pm EDT
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i kinda agree...but i was having a hard time paying my bills last year, and i didnt pay them at all for a whole yr...and they just settled out with me for $315 dollars...which was more than half of what i owed!

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9:26 pm EDT

American Express I have been harassed by automated computer-dialed calls

I have been harassed by automated computer-dialed calls from American Express that claims there is an issue with my account. I do not have an account with American Express. When I call the number they cited on the call it asks for you to enter an account number. I finally figured out how to get a human voice and have called them three times to remove my phone number from their automated list, but still am receiving the calls.

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Frankly True
Frankly True
New York, US
Aug 08, 2010 1:48 am EDT
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I am sure this is a phishing scam to get your account number, it is Not AMEX calling you, they don't do that in an automated form. Someone is hoping you are gullible enough to punch in your account number on your phone. Calls are probably not even Domestic but use a spoofing program to make it seem they are. I would suggest you call AMEX and report this to them.

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8:37 am EDT

American Express awful, awful company

I have been a AMEX cardholder since 1988. Paid my amex Blue bill online because I was on vacation and this happened to be when all the hullabaloo with the new tax laws was also going on and then in Sept. I did not receive my paper statement but I did receive an email telling me that me that I missed my deadline for paying my online bill? I called amex 4 days after the due date and the online statement reflected 30 days overdue! I explained the misunderstanding and the fact that I am a long time card holder and have a very good credit history and asked the "no", and the response I got was a 58.00 late fee, a 2% of the balance fee plus $99.00 of the last due amount and the interest rate will go up to almost 28% for the next year.

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

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