American Express
reviews and complaints

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

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

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

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

Charan.

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

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

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

John Cockerham

allproelectric6445@att.net

[protected]

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

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

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

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

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

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

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

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

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

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

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

Regards

RP

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

They are driving business owners out of business.

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

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

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

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

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

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

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

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

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

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

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

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

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

ATTN: WEBMASTER@AMESUX.COM

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

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

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

Sincerely,

William M. Harley

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

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

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

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

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

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

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

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

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

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

Asslam O Alikum,

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

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

Regards!
Thats All

Totally agree - American Express HK is completely separate to Amex anywhere else in the world, and should not even be allowed to carry the same name. Expect this type of terrible "service" from them if you sign up. They stopped my account on several occasions as I had allegedly gone over my limit. However, on chasing up with them, it emerged that someone had in error charged me amounts way over my limit. American Express did NOT notify me of this irregular transaction (despite signing up for alerts), aside from the fact they let an amount way over my limit go through, and took over 3 months to investigate the issue. I had to chase them at considerable roaming costs, time, stress, and effort as all this occurred while I was travelling overseas. They did not reverse the charge while I was traveling so I could use my card, and they continued to try and charge me late fees while I was chasing up the issues, an issue that made the issue even worse.

American Express Hong Kong is short-sighted, has no business sense, and the worst card I have ever used in my life. I ended up closing both the Platinum and Cathay Pacific Elite cards, as they were neither Elite, nor Platinum. The health insurance and travel assist is non-existant or sub-par, they charge around $1600 per annum per card (however, I heard that this can be easily waived with a phone call to them as they obviously know they are so terrible). They could not care less about the customer.

They could really learn from some of their overseas counterparts on how to run a credit card company - it is a shame that Amex HK even has the American Express name - terrible, terrible, terrible... stay away!

In response, no, we could not call this a service.

send a message to obama, contact the better business bureau, and post stuff throughout the internet. lets all be heard. they are pulling this ### on a lot of their lower end customers

Amex Thailand mislead their customers, or should I say made an outright misrepresentation and lie to their card holder customers. The Amex staffs always give reaffirmining statements that the Platinum cards have no credit limit. I believed them for over ten years, only to find out that there actually are credit limits to all Platinum cards. Do you want to do business with people that lie to you? Why should you pay the B20, 000+ fee when other cards of equal stature are begging you to subscribe for memberships for free? They completely forget that fundamental to all business dealing is "trust". They make people feel "shame" to be holding Amex cards.

Jason Freeman demanded tax records or my cards were suspended after years of prefect payments on time.

Screw him and his "team".

I agree with you. It is good that consumers voice out. So that we can expect a better service from these companies or other customers can be aware of what the products or services they will get from the company if they would become their customer. I got very unprofessional service from Amex when i want to apply their card. I sent application for 2 months, no one followed up. I followed up them, and they said they needed more documents from me (but they did not contact me for). I sent them and it took then another month. I followed up again. They said the new form was in place now. They need me to sign in the new form (the credit bureau permission form) and send again. I made a note in the form that unless it worked this time. Forget it, please cancel my application. And they come back to me after few days that they need a clean signed form. I need to sign a new one for me. I said 'Forget it', it took me too much effort to become your customer while I did not see and receive any effort from the staff. How can the application of a credit card take me that few months time and lot of efforts. As you said, i have a lot of other excellent choices from other companies. I don't know whether the management, marketing, and corporate affair team of Amex are aware what a waste of effort and money putting good advertising, corporate PR, and promotion activities while you have such a poor customer service team. By far, you are behind your competitors.

I have had a personal amex blue account for several years. Recently, l I called them to set up a special payment plan to accomodate our financial situation of late. My husband is an outside sales rep. His pay has decreased due to lack of sales. I still have the person's name and extension I spoke with. I set up pmt to be deducted from my personal bank account on the 30th of every month for 1 year. The Sept. pmt was deducted. However, Oct. pmt was not. I realized it when collections called my cell phone to advise me the acct had been turned over to them. I tried several times to contact the csr. I left numerous messages for her to return my call. I spoke with other reps who stated that pmt could not be automatically deducted. They stated it was up to me to call and make a phone pmt by the due date. I finally was able to speak with a supervisor, Craig Schaffer (if that's his real name). I was absolutely attacked verbally over the phone . He stated "Katy did not tell you that and we are done dealing with you." (and turned the volume up about ten fold! ) I then requested to speak with his boss. He then stated, "why? you aren't going to change anything." I asked 4 times in a row to speak with his boss. He wouldn't allow it. I requested the name of his boss. He would not give me the information I requested. My rights have been completely violated. I did nothing to deserve any of this. I'm trying my best to do the right thing in a very difficult time; they made a mistake; and they do not plan to make it right. So, I now have a strike against me on my credit report due to Katy's mistake of not entering the info or giving me false info. I have contacted the credit bureau to inform them. Mr. Schaffer was trying to intimidate me into thinking there was no way this could be reversed. The very idea that he stated "we are done dealing with you" was absolutely the most hostile statement I've ever received from any customer service rep or manager. All of my creditors were more than happy to accomodate me due to the fact that I was attempting to avoid having any delinquencies. In the meantime, I've had no choice but to set up payment with collections.

Take this then ...

Upgrade an AMEX from GOLDEN to PLATINUM, the software will automatically cancel the Golden one if you have no debts and that's all. They didn't re-compensate back the money you already paid at the beginning of the year. In my case I paid in July 2007 130 for Golden Amex ( one year fee), in Jan 2008 I applied for Platinum based on the forms they send me, I never used Golden but only today May 3-rd 2008 and to discover that the payment was refused, I payed by debit card and when I get back home I called them and find out what is wrong with the card. I ask them WHEN and WHO canceled the card .. THEY DID, WHEN they canceled ? .. IN JANUARY, it means that I paid 130 for a year they own back me the amount between Jan and Jul ( around 65$ half of the year). In the phone conversation I get the money with no resistance from AMEX which proves that they recognize their mistake, but my next question was why your software didn't do that automatically ... Hm it is easy because foolish my loss and them win free money. ... ok but how much per year, If a million switch a year they win in average 65 millions, ( I consider that some might do that at the begging of the period some at the end so it is and average).

I do not think this is fair either. ... and the authorities should force them to refund the money back.

American Express canceled my cards after being a loyal customer for 20 years. Upon learning of the cancellation I immediately contacted AMX and was told to bring my account balance to zero and they would reinstate my accounts. I paid the entire balance on three AMX cards totaling nearly $40,000.(within 30 days) One of the three was not canceled. I contacted AMX after paying balances to find out why the accounts were not reinstated and was informed the account supervisor that made the arrangement with me was not available and should not have authorized the reinstatement. I have been a loyal customer for 20 years without any other issues. Amx should honor their agents commitments to their customers. I acted in good faith with a company I deemed trustworthy.

I can varify this persons complaint completely. I too came across hard times and have a balance that I've been paying on at the rate of $1000 / month. Yet AMEX is charging me $200 / month in fees and refuse to work with me on this. Once paid in full, I will never use another credit card again. I can pay myself $1000 / month and save enough to have plenty of spare cash in the future and not owe anyone anything. I HATE ALL BANKS!

I want this ### canceal