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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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V
11:00 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

American Express scam and lies

We received a letter stating that American Express has reduced our business credit line(signed personally by my husband). One of the reasons stated "Other customers who have acquired their residential loan from your mortgage lender have a poor repayment history with American Express" What?! How about our payment history?

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hmmm34
, US
May 21, 2011 10:04 pm EDT

This is the same exact b.s. that also got pulled on me. It's a bit futile, eh?

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No direction
, US
Aug 02, 2009 3:25 pm EDT

This is just happening to us as well. They are horrible and they do not want to help anyone.

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Tish
, US
Apr 13, 2009 7:56 pm EDT

Wow! This is my story exactly. This has just happened to me exactly as it did for this person. Help!

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oilseed
Eagle, US
Feb 17, 2009 8:53 pm EST

I was an AMX Costco member. I aways paid my bill (on time) and was never late.
I recently lost my job and so did my wife. I thought "I'll 'proactively' call AMX and
see if we can work out a lower monthly payment, so I can get by until I get a new job.
I want to pay my bills, it's my obligation. However, when I called thier customer service
line, and told them my story the reply was "Sorry sir, there's nothing we can do. You have to pay the minimim amount" (which would be due in 30 days).
The next day, I tried to use my card (to buy some gas at Costco) and it was rejected! They (AMX) had frozen my acount (without telling me). I was not 'deliquent' and my payments were current. They just foze my account becasue 'I called them' and attempted to work out a lower monthly payment soltuon. This was thier response!
I then wrote them an email and called them again. This time they said "We can offer you a 'new' program (for repayment) but you will need to pay the MINIMUM amount due on this next payment cycle".
Huh? That's what I just did, and then called them to see if we could work something out. Now they want me to pay the minimum again, BEFORE they would even 'consider' me for 'this' new program?
So I waited a few days and called them again. This time, I told them... "I've scraped together enough cash to pay you the minimum due. So what's the terms of the 'NEW' program?
They said " we'll give you 0% interest for 6 months and then raise that to 9.99% for all the preceeding months."
I said "so what would my 'new' monthly payment be?" The figure they gave me was
only $20 LESS than what I was paying already! WHAT! this was no deal. I needed
'cash flow relief'. Getting my payment reduced by $20/mo was not going to help me at all. When I told them this, they said "Well... If you need your payment reduced further, then you'll need to DEFAULT on your payment. Once you do that 'THEN" you'll qualify for the other programs we offer."
WHAT! You're 'rewarding' BAD BEHAIVOR!
IF I DON'T PAY YOU, THEN YOU'LL LET ME HAVE A LOWER PAYMENT. BUT, IF I COME TO YOU 'PRO-ACTIIVELY' AND TRY TO WORK SOMETHING OUT, YOU BASICALLY POKE ME INTHE EYE! HAS THE WORLD GONE CRAZY?
THIS IS INSANE?
I GUESS I SHOULD JUST NOT PAY THEM AND SEE WHAT HAPPENS?

What are the new rules to this CC game? I don't understand. I thought that if someone
was 'willing' to work something out, the otherside would meet them halfway. Now I learn that this is not the case. Basically, I need to be an A*&% H*&%$ and then they will help me. This is crazy.
But I guess it's the NEW WORLD ORDER now that the Dem's are in power. If you DEFAULT
you'll get help. If you try to 'do the right thing' you'll get screwed!

Doctor Laura HELP!

Bill In Idaho

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CanAmex
3000 20th st n, US
Dec 18, 2008 3:48 pm EST

Welcome to the club! AMEX took away 70k of our available credit with no warning. No lates, 700+ score. What they are doing should be against the law. I wrote a blog with some things I did to fight back:

http://amexcreditreduction.blogspot.com/

The funny part is they are also asking for BILLIONS from the bailout bill. The same bill that was passed by congress to INCREASE lending!

Once again, they little people get the shaft, while corporate america gets a bailout. Shameful. Shameful Shameful.

ComplaintsBoard
L
10:35 pm EDT

American Express ax must be in real trouble

I have been with American Express for 14 years and have always been on time with my payments. A few years ago I was offered the extended payment option, so that any charge over $100 would go on the revolving account. In the last couple of years I have had to put some car repair bills on the extended payment. My balance is about $9000. We have limited ourselves with our every day spending on the card so that know we will be able to pay the bill each month. My father passed away a couple of months ago and my husband and I have been traveling back and forth from Texas to Washington state to help my mom move near us in Texas. We did not get the American Express bill paid until Oct 15th. Exactly three days late, I was contacted on Monday Oct 13 at work asking me about the payment and I told them about my father and that I would get the payment to them. They said that was not a problem this time. On Oct 15th I received a letter from them that was dated Oct 3rd (so it took 12 days to get to me) that due to my debt to income ratio from the reporting agency Experian they were suspending my extended plan. Then on Oct 22nd I received my statement for which a $500 payment is due by Nov 11th, and I also received in another separate letter from American Express. It said due to me being a valued customer with American Express they wanted to sign me up for the extended payment plan. Of course I got on the phone to try to understand what was going on with both letters. The first girl I talked to transferred me to that department. Well that department is in India, the connection was so poor and she could not speak English very well that she had to hang up and call me back for a better connection. The connection still was not very good, but she asked me what date was on the letter to sign me up for extended payment plan. I told her there was no date on it just a reply by November 30, 2008. She said it was sent to me in error, even though it said Dear Ms Derby, I was not suppose to receive it, and basically the joke was on me. I asked to speak with a supervisor and held for about 20 minutes and just hung up. Then I called the regular customer service back and asked for a supervisor. A Mr. Robert Carr talked to me I thought we had a rather good talk. He also told me that I received it in error. It seems that it comes from their marketing department and American Express has not informed their marketing department about my account. So once again ha ha the joke is on me. I asked him if he could explain to me why American Express for the last two years has looked at my overall credit every month and sometimes twice a week. He said he did not know the answer but would call me the next night with the answer. Okay, on to the next evening, I get a phone call from American Express about 8pm from a Tamika and she tells me that I have to come up with my minimum payment due of $500 that night or American Express would cut off my account. I explained that I just got my statement the day before and the $500 wasn’t due until Nov 11th. So once again I asked to talk to a supervisor and his name was Chris Ball, and he did not have very good customer service skills to say the least. He told me due to my debt to income ratio I was out of luck and either I pay the $500 then or my account would be cut off. I asked him if I had ever not paid AX and he said that didn’t matter and according to their agreement page they can do whatever they want, whenever they want to me and that I just have to sit back and take everything they dish out to me. I asked him that I wanted it in writing about the $500 payment that night and he refused saying it is all in the agreement and he could send me another copy of the agreement. I just told him to close my account and that due to how they have treated me they just might go to the bottom of my list. They are determined to ruin my credit anyways with suspending my account because I wouldn’t pay them the bill the next day after it arrives. I am just really fed up with AX and after reading all the stories they must be in a world of hurt right now. The supervisor Chris Ball told me that AX was one of the few that was making money. Boy, he sure needs to do some research on his company. Oh, and I could hear the little clicks in the call with him and I told him that I knew they were recording me and he of course denied it. And today in my mail was a offer from American Express for the Black card which carries $450 per year. And another letter stating that because I am such a valued customer with American Express they are offering me a Blue card with 0% interest on balances for 12 months. How many more am I going to receive from their marketing department before they relay the message to them. Thank You for listening and at least I know I’m not in this alone. Loretta Derby

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Ferdous
Ontario, US
Dec 23, 2008 6:10 pm EST

I have been a member of American Express since 1988. Started with their Green card and eventually been upgraded to Gold, Platinum and Centurion. In addition, I also have Amex Delta card and American Express Blue. On average month, I charge around over 35 thousand US dollars every month. I have always been current with my American Express payment and always sent payment on time. I am totally debt free except my mortage. I do not have any seconds nor owe any credit companies. Since last month, American Express called me and said they have put my Platinum card on hold until I clear payment of 2200 dollars. I was surprised to hear they put my American Express card on hold and told me not to charge any further as they will be declined. I asked them the reason for this since I have charged few million dollars with them from the day I became one of their members. They told me that my recent charge of $2200 and on my Platinum card was over the limit. I did not understand how they calculate their limits since I charge over 35K per month between all their cards. After long conversation, I asked them to cancel my Delta American Express card. Now I am considering canceling the others. They perhaps forgot that I pay over 3k in annual fess and charge over 350k every year. They even asked to provide w2 and tax return to proof that I am capable of paying high limits. I asked if I ever paid late since 1988. The answer was NO from them. But they insisted that I have to make payments before they can take the hold out to charge again. I am very disappointed with American Express for being a very loyal member for over twenty years. Never in my wildest dream expected this from American Express. I guess they are hurting too with financial crunch.

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thomas O
Miami, US
Dec 11, 2008 2:10 am EST

i had a similar problem, they reduced my credit line 50%, "declined" my hotel bill and alone badly affected my credit score as i was at a higher level to available . I sense panic, they need the money more than i do. I offered to give them
information on my brokerage accoutn balance which remains high but they just were not interested under any circumstances to lift the line. I had platinum for 21 years, spend over 1.5 million, on time payments. I changed to green
what is the use of platinum when i could nto even pay my hotel bill adn they were telling me i had $200 available enve though i had paid what they requiried.

Somthing stinks in Amex are they hidnig something they are just not rationale anymore. used be a great company
but not anymore. teh amount of complaints are staggering all the same - the are shafting their own customers left right and center.

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aladdin
Tucson, US
Dec 09, 2008 8:18 pm EST

ATTN: ALL BUSINESS OWNERS!

LETS ALL STOP TAKING AMEX IN OUR BUSINESS'S. THE FEE IS HUGE, THEY PAY 2 DAYS TO OUR ACCT'S.
LETS STOP TAKING THE AMEX CARD...ASAP NO MORE BAILOUTS.

ComplaintsBoard
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11:51 am EDT

American Express merchant account

I am extremely upset at how my small business has been treated by American Express. We are a group of hardworking people who pride ourselves on conducting business honestly and paying all our bills on time. Recently we processed two transactions through our merchant account which we believe now to have been fraudulent. Our policy is to have the customer complete an authorization form complete with signature which is what occurred in this case. The other transaction was processed through our website. American Express reclaimed all the money from the transactions and our company lost the cost of all goods shipped to these customers around $5000 worth of products. When I called today to find out the status of our account I was told that American Express decided to terminate our merchant account. When I asked for an explanation I was told that American Express's “Policies were confidential” and would not be discussed with me. I could not believe that a company put such little value on your relationship with my company. In addition to the cancellation AMEX did not even have the courtesy to send us a letter notifying us that the account was closed. We found out when customer charges began to be denied for no apparent reason. We did nothing wrong and were taken advantage of by criminals and American Express got all its money back. Yet our companies account has been terminated without even the courtesy of an explanation. The AMEX web site states:

Q: Will American Express cancel a merchant account if it begins to pose a high risk of fraud?

A: We would work diligently with a merchant to try to resolve issues that are causing fraudulent activity first. But there have been cases where we have canceled merchant accounts for excessive fraud problems

Certainly American Express did not work diligently with us to resolve and issues! As a result my partner and I have decided to cancel all our accounts with American Express both business and personal. We do not want to have anything to do with a company that does business the way American Express does. Perhaps Visa or MasterCard will put more value in their relationships with small businesses.

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apurve
, US
Jun 03, 2016 8:29 am EDT

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.

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Beckerst
Houston, US
Apr 09, 2012 10:44 pm EDT

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.

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blah
St. Louis, US
Feb 14, 2009 8:34 am EST

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!

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future_union_organizer
, US
Dec 09, 2008 4:42 pm EST

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.

ComplaintsBoard
J
10:54 am EDT

American Express amx sucks

Imagine a business partner for 25 years who screws you without calling. 25 years and millions of dollars of business without every missing a payment American Express decides, to put a credit limit of $1, 300.00 on my card. They refuse to review the situation although they have all the wrong facts... wrong income wrong credit history wrong partner. I canceled all my AMX cards... they suck!

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stawarz
San Diego, US
Mar 23, 2022 8:08 am EDT
Verified customer This comment was posted by a verified customer. Learn more

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.

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BR Boy
, US
Oct 23, 2021 5:08 pm EDT

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?

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SteveOno
, US
Aug 19, 2010 11:19 am EDT

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.

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dcm
Temecula, US
Jul 19, 2009 5:57 pm EDT

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.

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jmehd
Los Angeles, US
Jul 06, 2009 3:50 am EDT

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

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jn123
, US
Jul 05, 2009 1:10 am EDT

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.

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brinbmadatamex
Manhattan Beach, US
Jun 25, 2009 3:52 pm EDT

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!

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Upset Amex Holder
Oakland, US
Apr 29, 2009 6:27 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

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.

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jscott
Valhalla, US
Apr 15, 2009 10:54 pm EDT

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.

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Eric
Calgary, CA
Apr 10, 2009 1:01 pm EDT

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.

ComplaintsBoard
R
3:18 am EDT

American Express direct debit application form

I have a Corporate Amex card and from the beggining of May up to now I'm trying to set up Direct Debit with Amex. I sent the correctly filled in Direct Debit Application Form provided by Amex to UK branch of that company. For the first time (beginning of May) Customer Service said that they did not receive it. For the second time I received the letter dated 04th August with the Direct Debit Set-Up Confirmation.

Therefore I believed that everything is okay now but... I was wrong!

On 15th August I received the letter which to certain extend highlights the weaknesses with the controls relating to review of Direct Debit Application Forms from customers. This letter (by the way without the logo and the signature of the person who wrote it) is stating that MY bank returned the Direct Debit Mandate advising that details are invalid. The same letter was accompanied by my Application form and copy of the Bank letter. The Bank Letter was not from my bank but from some other one even though my Application Form sent to Amex had the correct name and address of my Bank.

I called the Amex in UK and they told me that indeed they made mistake and advised me to resent the third signed Application (of course no one even offered me any return for the postage costs)

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3:51 pm EDT

American Express bill due date strangely shifted

I've been an Amex customer for nearly a decade, and have run tens of thousands of dollars through their cards. There's always a standing offer of a Platinum card, but I haven't taken it and here's why:

I do not trust them as a company. Aside from the fine print that has fine print that burned me on a balance transfer years ago, here's my current greivance:

My billing cycle closing date mysteriously "shifted" after it was supposed to close, to extend an extra day to include a large charge. I checked about 5 times in the two weeks leading up to this charge, confirming that their website indicated a bill cycle closure on July 20th. I then charged a rather expensive item on Monday, July 21st so as to give myself extra time to pay.

Lo and behold, I go to check the bill today, and now the billing closure date mysteriously "changed" from a typical 30 day cycle (the 20th) to have an extra day to include this new charge, which should have been on a new, July 21st to August 21st cycle.

I can pay it today or in August, that's besides the point. The gist is: I paid attention to their website, properly placed a large purchase to get it on the next open cycle, and then the cycle changed on my AFTER the charge was made. I spoke with 3 representatives (1 a supervisor) all of whom say they've never seen that before and it's "impossible" that it would happen. They say I am liable for the charge this month, not the next.

I don't disagree with them not seeing it have happened before, but I know what I saw, repeatedly, on my web account: closure date of July 20th, 30 day cycle as usual, for months and months and months. Suddenly, after the fact, it's a 31 day cycle and nicks this extra purchase. Something changed on their side.

I never miss payments, I've paid in full no matter large or small. This is not worth burning a longtime customer over, and they've done just that.

Unacceptable.

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DTP
Brookline, US
Sep 17, 2009 11:15 am EDT

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?

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Rob
Orlando, US
Mar 31, 2009 9:05 am EDT

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.

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CanAmex
3000 20th st n, US
Dec 18, 2008 3:35 pm EST

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/

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5:07 am EDT
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American Express travel agent issues unresolved

Great cruise but regrettable experience with the travel agent:

AMERICAN EXPRESS MARINER CLUB handled the arrangements poorly (I wound up correcting several things myself), failed to make a payment until I called them, and other matters.

The last insult was a discount of $1000+ which was to have been credited BACK to my credit card after I had made FULL payment for the cruise. Never happened.

The final payment was made in August 2007 . . . I've been trying to resolve this since the cruise was finished in December 2007. Sent American Express copies of all their OWN correspondence documenting the promise of the credit. Made it to the supervisory level where I've been stonewalled for months.

Tried the Florida Department of Agriculture and Consumer Services. From their letter: "Unfortunately, the business has refused to cooperate . . ."

So, I consider myself defrauded, but the value does not justify cross-continent travel to file a small claims lawsuit.

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3:37 pm EDT
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American Express bad experience

After a series of phone calls, my husband called the 1-800 number and was assured his account is in order. Since that time we have gotten two more calls. Today, I lost it and called in. The operator can't tell me the problem. When she mentioned our daughter's name, I assured her she did not have a card and was not on her dad's (Jim Ellington). We argued when she could not believe two men named James Ellington could both have daughters named Deborah. Go to PEOPLE SEARCH.com

James (Jim) Calvin Ellington, Raymond, MS

there it lists our family. Leslie, Deborah, Angela

Then look at James R. Ellington, Madison/Ridgeland, MS

there it lists his family...Bethany, Deborah, Ford, etc.

When this problem is solved, please advise me. I feel harassed and unbelieved, when I was only trying to help AE solve this error.

I want to hear from management.

Leslie H. Ellington [protected]

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Jay
,
Oct 08, 2008 9:35 pm EDT

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

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6:03 pm EDT

American Express unfair business practices

I thought when I first wrote the title to this post that it might be a bit harsh - but no, I think it’s right on target. Up until recently I was a very devoted American Express Customer. I had my personal Platinum card, and through their “Open” small business program I had a Blue card (revolving credit) and a Standard Gold card for travel/expenses.

I used them extensively for about 9 months. Running between $4k and $8k a month through them. (Of course AmEx making 3-5% on each purchase, right?) I bragged about them, I told many people how glad I was to have signed up for the program. And then the hammer dropped. As (what I’m assuming) a part of the consumer credit crunch, AmEx has been tightening the reigns of who is and isn’t WORTHY of their patronage.

A few times they told me I had gone “out of my usual spending pattern” and they suspended my card. (I charge airfare, hotels, auto rental, and the occasional peice of equipment to that card - always when it’s billable to my customers). I was concerned, but tried to chalk it up to “they’re protecting me.”

Then the worst case happens. A customer slow-pays me (you know who you are, don’t make me publish your name) and a pre-arranged payment to AmEx (through their website) bounces. First time I’m even so much as being late on the card, I call them immediately and explain the situation to someone who was nice albeit in hindsight quite clueless. They tell me that it’s no problem, that as soon as the payment is made my account will be in good standing and that I can continue to use it. I log into the website and it tells me that my charging ability is suspended.

Two days later the payment comes in - I *IMMEDIATELY* go to www.americanexpress.com and schedule the payment. Within seconds of making the payment (probably immediately afterwards) the website updates that my accounts are CANCELED. I call in - speak to a Mrs. Dodi who explains that it’s automatic after a payment is returned and that in 24 hours (after the payment has debited from my account I’m assuming) we can go back in and re-activate the account. I guess this is designed to keep me from going to my bank and having them disallow the $6, 000 payment I had just made to them.

I call back - I’m immediately told by Mrs. Dodi that there is nothing she can do, that the account is irrevocably closed and that there is no appeal process. I explain the situation, I was traveling at the time and had no way to pay the hotel/car that I had out. The long and the short of it - American Express has put me out of business. Without mercy, without so much as an “I’m sorry.” they have bankrupted me. The money I spent building my business is gone for good, my investment tanked completely.

So my advice to you - if you’re considering American Express for your small business finances - DON’T. They will suck you in, get you to depend on them, and then turn on you the first time you have a spot of trouble.

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Karen from Oregon
Salem, US
May 30, 2011 5:51 pm EDT

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.

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patt gemma
,
Oct 10, 2008 5:42 pm EDT

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.

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3:19 am EDT
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American Express my bad experience with them

I've had this same experience with Amex twice within 6 months. I was with them since 1993 holding both the green standard card and the gold card. My Gold card had a line of credit of $23K with a balance of only $5K never a late payment. I cancelled the lousy green card in Fall 06. Last year in March 07, while travelling for an assignment, I used the Gold card to pay for a week-long hotel stay, but the payment for the next week's stay was rejected. I used another card, rushed to my room and went online to check my account fearing fraud, just to find out my new line was reduced to barely the existing balance of $7K, and when I called Amex, they said it was due to too many inquiries on my Experian credit report. By now I am freaking out and thinking identity theft. I immediately got back online to buy my credit report just to find out there is nothing wrong with it and . They lied. So much for me trying to keep my credit card balance below 30% of the available credit to keep my FICO score at 750. Because of what Amex did, once that data hit the credit bureau, my FICO dropped by 30 points in a snap thanks to Amex.

It gets better, 4 months later, and on their own, they increased my line to $16K. Not trusting their practices now, I refrained from using the available credit, and Thank God I did because as soon as I refinanced my house two months later, they went in and clipped the credit line again to $8K, again barely enough available credit to cover the finance charges. I am just waiting to pay off the old balance and leave the account open with $0 balance forever and let THEM be the ones wasting money on maintain the account and sending their junk mail.

I still have all my documents. If there are more cases like this, we can file a class action suit for them causing harm to our credit worthiness for no fault of our own.

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8:24 am EDT
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American Express american express reduced credit line and damaged my credit

I am a small business owner and I am extremely particular about my credit. With a lot of hard work, years in the making, my credit score was nearly perfect.

Because of the flexibility of the American Express Platinum card and it’s advertised “no preset spending limit”. This is advertised on all of there web sites, TV and print advertising.

(COPIED FROM THEIR WEB SITE)
• Airport Club Access
• Exclusive amenities at boutique, resort, and luxury hotels
• Platinum Travel Service
• No pre-set spending limit
• The Membership Rewards First® program
• Platinum Card Concierge Service
• By Invitation Only® Events

I applied for and received this card and paid a very high annual fee ($450.00 PLUS $250 for each additional card holder) for this privilege so that I could use it for larger purchases.

Later, because we are launching a new business I also ordered anther American Express revolving card and a line of credit account. All accounts were solely based on personal credit and I was told that up front.

American Express extended numerous solicitations on the platinum card to pay some of my purchases over time. You were instructed to request to pay over time and then they would take several days to approve. In order to help finance my new business, I also took advantage of that offer.

I paid fully and on time according to the terms of my agreement. I never made a payment late. I had only used a percentage of the credit available to me on the line of credit and the revolving card as they came with a preset limit that I was given in writing.

I purposely kept my spending below the max available so that it would not adversely effect my credit score.

Bait and switch ... I was shocked when my Platinum card was declined for a small purchase. I contacted American Express and was told that they had decided to give me a “credit limit” that was less than my current balance on the card and that I was over their newly imposed limit. They gave me no reason for doing this and gave me no advance notification.

I had recently written a check from the line of credit to cover some other purchases. I had checked the available credit prior to doing this and it was sufficient to cover the check. Several weeks later I received letters in the mail saying they had reduced my limit on my revolving card and my line of credit account.

I called and asked if the check would be honored as I had written it prior to them reducing my limit. They refused to honor it and returned the check. (costing me fees)
Their reason? Because I didn't have a Dunn & Bradstreet number. I've requested a number from Dunn & Bradstreet and have never received one. Yet remember that my line of credit was secured off of my personal credit, not my business credit worthiness.

This matter has had a severely negative impact on my credit score. By reducing the credit limits, it looks as though I was maxed out on my available credit which causes your score to drop dramatically. Not only has it limited my credit line with American Express buy has caused me to be declined by others because of the negative impact on my credit.

Not only is this False and deceptive advertising and “bait and switch”, This is an unethical practice and I feel American Express should be made to honor their agreements. Especially with regard to the fact that they charge exorbitant membership fees for the “privilege” and then renege on the original offers.

I would like my original terms restored immediately and the information corrected with all credit bureaus.

Thank You for your assistance in this matter.

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Charan7872
, US
Aug 21, 2017 4:38 pm EDT

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.

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JMCockerham
Fort Lauderdale, US
Oct 01, 2014 4:58 pm EDT

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]

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EvilCreditors
san jose, US
Jul 12, 2011 10:12 pm EDT

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!

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jpeo
, US
Nov 13, 2009 7:20 pm EST

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!

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fxdiva
, US
Jul 11, 2009 10:09 am EDT

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.

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Iulian
Wayne, US
May 28, 2009 11:43 am EDT
Verified customer This comment was posted by a verified customer. Learn more

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

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Happer
Wylie, US
May 09, 2009 8:58 am EDT

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.

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RP7
Sunrise, US
Apr 21, 2009 5:35 pm EDT

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

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Ari
New York, US
Apr 06, 2009 11:10 pm EDT

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.

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disgruntledOkie
Oklahoma City, US
Apr 06, 2009 1:13 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

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!

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11:31 am EDT

American Express hardship blue card

Due to a surgical injury I was forced downsize and eventually close my business leaving an upaid balance of 36, 000 on a blue american express card which had a limit of 45, 000 at 8.9%. I wrote American Express CEO and SVP North America after 7 phone calls asking them to accept half the monthly payment at the same interest rate until I could settle my medical malpractice case. I lost $300, 000 in savings, RE that had to be sold but paid all my bills on time. Finally In January of 2007 I was forced to accept PA welfare to handle my medical bills, food and try to live on $204.00 a month. I provided AMEX with details of the filed lawsuit being handled by one of Philadelphia finest malpractice law firms, documentation from PA welfare. There is no hardship plan whatsoever, they insisted that I pay the $850.00 a month or made it clear I would have my 750 credit score ruined. I should add that I have continued to pay the gold card which as a very small balance. And I have been an AMEX customer since 1974 while still in college.
I pointed out that had I simply pulled out the remaining 10k on my credit line, put in the bank and paid the min. due no one would have cared. I did not ask for 'deal' but even the best prepared people with gold cards and assets are not immune to unforseen medical accidents. Beware of Mr. Axelrod, he has no soul and frankly gives the impression he could care less. Everyone of the rank and file was sure they would help me after 34 years and proof from the state of PA and my lawyers. NOPE.
I would like to use the internet to find others who have worked their entire lives to have their futures destroyed by AMEX .. I only asked for six months of help.
Why dont we all pitch in to buy a full page ad in the NYTtimes addressed to the stock holders of AMEX and the CEO. Your thoughts?

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Spendthrift Liberal
, US
Aug 06, 2009 2:08 pm EDT

"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.

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Carolyn Mair
Aums, US
Jun 23, 2009 8:26 pm EDT

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

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No More Attacks!
Pompano Beach, US
May 30, 2009 1:37 pm EDT

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!

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Bill Stinebaugh
,
Nov 17, 2008 11:02 am EST

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.

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Hardship Blue Two
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Oct 29, 2008 8:19 am EDT

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.

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American Express huge disappointment

Costco Amex card is a HUGE disappointment. I keep paying it off and they keep charging me finance expenses. I have had a credit card for 30 years and have never paid finance charges. I cancelled the card and still got finance charges.

I will never get a card from Costco or Amex again - I am very unhappy- it is a bait and switch game - I will go back to my trusted credit union. The bill got missed placed and when I found it I was a couple days late when I paid it. The next 2 months I paid it on time and still got finance charges, they never stopped until I cancelled the card.

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JJJmofo
BBBBBBBBBBBBB, US
Dec 29, 2009 1:22 am EST

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

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American Express my account closed, but all bills were paid on time

I received a call today that all 3 of my accounts (including my business account) have been canceled. The representative said it was because of 5 returned payments. I asked what that meant because I've been paying my AMEX bills at www.americanexpress.com for the last 6 months with no problems. I go online, click the date for the payment, and hit send. Then the money is taken out of my bank account. I was not notified of these "returned payments" until 3 days ago when my card didn't work while I was buying something. I called in and they said I had a returned payment, and then they used the information I have online to send the payment and it worked.

So, whatever is making the returned payments disappears a few days later and the payments went through fine. The account has plenty of cash, so there's no way it was a problem with my balance.

This is some kind of computer issue that magically resolves itself and now they've canceled my accounts and I won't get a call back for up to 4 days since they don't call on the weekends and today is Friday.

The representative said there is no way to uncancel the accounts... This is absurd! I've been a customer for 15 years and have always paid my bill on-time and in full. And the business account was fine but they canceled in anyway.

They should have at least warned me of these issues before canceling my account, and they better compensate me for the 100, 000 miles that I have on the account.

Not only do I have to switch cards, but I have to update the records of almost a 100 online places where I buy things. Not only for my personal, but my business account too.

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Jesse Gilleland
,
Jul 15, 2008 6:39 pm EDT

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.

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American Express they put my card on hold for no reason

my name is patricia banks i have a american express credit card i got my card on 04/25 /2008 on 04/26/2008 they put my card on hold saying that i had to send in document to tem i told them if there was something wrong i would not have gotten this card this have to stop and i have written Senate Jim Webb And on monday 04/28/2008 i am going to talk to my congress in my state because this have to stop trating people like they are nobody i will not let them treat me lke this and if i have to go to the high court there is i will fight for my right. you can not get a credit card if you dont have good credit and they have to get your credit report so if my card is not of hold by 04/28/2008 i hope Jim Webb contact them by then.

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Kissamitakis
Huntington Beach, US
Feb 06, 2009 5:35 pm EST

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

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Yogesh Ramesh Ghodke
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Aug 20, 2008 4:05 am EDT

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.

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American Express Fraud and scam!

EMG has defrauded me with $30K promising to advertise my online travel store. EMG disappeared after cashing the 2 convenience checks ($20K from Chase and $10K from American Express). I reported a fraud case to AmEx Fraud and Chase. Also, the case was investigated by Chicago Police Department where EMG was based and to Scotts Valley Police Department where I reside. Two Detectives investigated the case individually; Detective Gauthier. of Scotts Valley PD and Detective Tobin of Chicago PD.

After thorough investigations, both detectives came to the same conclusion, FRAUD case, and EMG was not a legitimate company. Their reports were forwarded to Phoenix Police Department as the convict resides in Phoenix, Arizona and the money was deposited in a Bank-of-America account in Phoenix.

Detective Gauthier has contacted Chase and American Express credit card companies reporting his findings. Chase honored his findings and reversed the $20, 000 charge and all associated fees. On the other hand, AmEx Fraud Operations claimed they did not receive any phone call or findings report from Detective Gauthier. Therefore, Detective Gauthier called Law Enforcement line and faxed his findings report again. AmEx Fraud Operations claimed for the second time they received neither call nor fax from Det. Gauthier. American Express insists I released my account number to a Service Establishment and permitted them to charge my account. I explained repeatedly that EMG is not a legitimate service establishment and I received NO SERVICE quoting Detective Gauthiers findings. They replied his findings are irrelevant to the case. AmEx Staff was rather uncooperative, incompetent and customer-service insensitive.

I am taking my case to Attorney General in California to see what could be done to preserve my excellent credit while defaulting.

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john scheldroup
Minneapolis, US
May 28, 2013 6:23 pm EDT

"American Express Fraud Solutions, Fraud Solutions, Fraud Prevention, credit card fraud, Risk Management solutions, Global Fraud"

American Express Serve.com: Bank fraud & Racketeering
File your complaint with the FTC.

http://blog.creditkarma.com/reviews/review-serve-from-american-express/

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Lisa K. Fox
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May 16, 2008 4:18 am EDT

I don't want to press charges against my friend, only because he' been a very nice friend to me for years.

But as far as AMEX is concerned, I will fight them tooth and nail that I am not responsible for any of this debt. My defense is I had I had no knowledge of my friend submitting my social security number in for a credit card. In addition, I did not have any agreement with them as a cardholder and credit company usually would have, because I did not sign on an any application, or request verbally to Amex, and I did not sign anything in writing requesting a card to Greg Maturniak or Amex.

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Lisa K. Fox
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May 16, 2008 4:06 am EDT

I received a collection call today from American Express asking for payment on a $9000.00 account that no payments have been made on.
I told them that iI never signed or applied with an application for an account. They stated my friend was primary cardholder on the account. Once again, I never signed to request a card or credit card nor did I release any personal information to Amex which they say because my social security was provided, I am responsible for this debt.
My friend obviously used my social security number and got a card or an additional card on his accountant. He did let me use an Amex card but I always had approval from him, he knew that I would not be paying him back, and I always had to return the card to him.
Amex suggested I get this in order immediately through Amex and through my credit reports.

Lisa K. Fox

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American Express customer cheating

Hello Complaint Dept.,

I opened an account with Delta Sky Miles American Express Card (DSMEC) and was not informed that when I miss a payment, my account would be closed. I missed one payment in November 2007 and my account closed December 2007. My interest rate also increased very high.

The main reason I applied for this card in the first place was the attraction of the sky miles. I had not been with American Express for a very long time, but was accumulating sky miles. I knew I had a very important trip to take this February and was anticipating that the sky miles from this card would help. But I was not able to use the sky miles when I wanted to. I was informed that there is no way to restore the account. I am very upset and frustrated with American Express and feel like I was cheated.

Is there anything the government can do to help? Is this a way American Express or other credit card do to cheat customers? What can I do to stop this kind of scam from credit card corporations? .

Luka Yang

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John Lemec
Ann Arbor, US
Dec 10, 2009 7:16 am EST

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!

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American Express insurance fraud!

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

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.

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Lisa
Las Vegas, US
Feb 07, 2009 11:57 am EST

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

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Chuck
Bridge City, US
Jan 27, 2009 9:16 am EST

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

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jasmin
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Dec 03, 2008 9:01 pm EST

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

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Darryl
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Oct 31, 2008 6:46 am EDT

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

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American Express fraudulent interest rate!

Wrongful charges, deception and interest rate fraud. Violations of Truth in Lending Act, 15 U.S.C.A. 1601, et seq; - Violation of Bus. & Prof. Code 17200, et seq. - 'Unlawful' Business Practices (TILA), - Violation of Bus. & Prof. Code 17200, et seq. - 'Unfair' and 'Fraudulent' Business Practices; - Breach of Contract, - Breach of the Covenant of Good Faith and Fair Dealing; - Violation of Bus. & Prof. Code 17200, et seq. - 'Unlawful' Business Practices (Fin. code 22302).

Amex raised the interest rate from 8 percent to 30 percent with no notification. I paid the minimum payment which was the same in the prior months and was billed previously. AMEX charged a fee for non-payment because the payment was not enough to cover AMEXS new added amount to the bill. I stopped all payments immediately. AMEX marked my credit as a bad debt payer without solving the problem.

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WILLIAM MICHAEL HARLEY
,
Jan 14, 2008 10:07 am EST

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

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12:00 am EST

American Express no consumer protection!

We called American Express about a transaction with Royal Holiday (Travel Experience), a Mexican timeshare company. We canceled our contract with Royal Holiday within the 5 day time period allowed. We heard nothing from Royal Holiday, except too bad we have your money. We then contacted the Mexican Government which required Royal Holiday sign an agreement agreeing to refund our money and cancel the contract. Royal Holiday sent us one of the four payments required. We requested American Express to credit our card for the remaining money due.

Dealing with American Express has not been much better. Our initial contact with American Express was great, but then the case is then sent to their disputes department. We were promised a call from the disputes department within 48 hours. We have called American Express multiple times and each time they make the same promise ,we will call you back in 48 hours. It has been 8 months now and we have yet to get a call from the American Express disputes department.

We have sent them numerous letters outlining all the points of our complaint. They have not addressed any of the issues and send us back a form letter saying they have spoken with the company and can do nothing.

I have asked them why they deal with a company like Royal Holiday that has thousands of complaints on line and F rating with the BBB. I have yet to hear a response.

It would seem to me that American Express is a willing partner in fraud with their partner, Royal Holiday. It seems if a company is large enough, American Express is willing to look the other way on fraud.

American Express has a copy of the agreement between the Mexican Government's consumer protection unit, Profeco and Royal Holiday acknowledging that Royal Holiday has agreed to cancel the contract, yet they still have failed to respond.

If you believe American Express's propoganda, that you are protected with American Express, think again. When it comes to travel protection leave American Express at home.

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LL Kool Jay
Baltimore, US
Feb 27, 2012 12:55 pm EST

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

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Greg Thompson
Fort Lauderdale, US
Jul 17, 2010 6:28 am EDT

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.

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Jay
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Oct 08, 2008 9:39 pm EDT

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.

American Express Customer Reviews Overview

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

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

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

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

American Express In-depth Review

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

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

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

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

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

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

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

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

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

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

How to file a complaint about American Express?

Here is a guide on how to file a complaint or review about American Express on ComplaintsBoard.com:

1. Log in or Create an Account:
- If you already have an account on ComplaintsBoard.com, log in. If not, create a new account to proceed.

2. Navigating to the Complaint Form:
- Locate and click on the 'File a Complaint' button on the ComplaintsBoard.com website. You can find this button at the top right corner of the website.

3. Writing the Title:
- Summarize the main issue you have with American Express in the 'Complaint Title' section.

4. Detailing the Experience:
- 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.

5. Attaching Supporting Documents:
- Attach any relevant supporting documents to strengthen your complaint. Avoid including sensitive personal data.

6. Filling Optional Fields:
- Use the 'Claimed Loss' field to state any financial losses and the 'Desired Outcome' field to specify the resolution you are seeking.

7. Review Before Submission:
- Review your complaint for clarity, accuracy, and completeness before submitting it.

8. Submission Process:
- Click the 'Submit' button to submit your complaint.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

Ensure you follow these steps to effectively file a complaint or review about American Express on ComplaintsBoard.com.

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Contact American Express customer service

Phone numbers

+1 (800) 528-4800 +1 (800) 492-3344 More phone numbers

Website

www.americanexpress.com

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Use this comments board to leave complaints and reviews about American Express. Discuss the issues you have had with American Express and work with their customer service team to find a resolution.