American Express’s earns a 2.3-star rating from 472 reviews, showing that the majority of cardholders are somewhat dissatisfied with financial services.
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awful experience
I am wondering if anyone else has had the following issue. Every month, when paying my first of the month bills, I schedule my payments for my green card and optima online on the american express website. For years I have never had an issue. Then a couple of months ago for some reason my payments didn't post and American Express claimed no record of the payments. I was able to call to immediately pay and since this was my first 'late' payment in 15 years, they were willing to remove the late fees and the 14% increase in my optima interest rate. For the next couple of months out of sheer fear of the same thing happening again, I didn't schedule payments and instead went ahead and paid until the month of October. I scheduled payments to be paid on the due dates for both of the cards at the beginning of the month. In the middle of the month I decided to pay my green card off in full, so I deleted the scheduled payment for my greencard and paid the balance in full that day which posted just fine. I did not touch the optima scheduled payment which was due to pay on the 21st.
When I went online to check today on my new statement, I saw that no payment had ever posted for my optima card and the rate had again been increased 14%. A call to customer service promptly allowed me to pay off the balance in full, and remove the late fee, but they were unwilling to drop the interest rate. (which doesn't technically matter since I paid the account in full but still it is irritating). The customer service rep asked if I had the confirmation number from the scheduled payment (I do not) so I asked him back if it was possible to look it up, he said he could not. It seems odd that he could find it if I have it but if I don't have it they can't look it up to find out if what I am saying is the truth. That seems improbable since these records would seem to be something you would want to be able to prove in either direction.
So I am wondering if anyone else has had this issue and if it is possible that AMEX is either ignorantly or even maliciously losing scheduled payments. I do wonder if they would dig for my lost scheduled payment transaction if I had a lawyer asking for it.
The complaint has been investigated and resolved to the customer’s satisfaction.
Credit line reduction
While am on a business trip in Africa. Amex reduced my line of credit by $25000 to less than the balance on my account; rendering my card useless and causing me embarrassment and costing me money. Amex sent me an email that you had reduced my credit line. I am appalled at the way Amex treated a loyal customer like me. In 2007 I spend over $100000 on their card yearly. My average monthly balance in 2007 was over $8000. Thus, setting my credit line to $4000 would certainly disable my card. It would seem that they may have checked these simple facts before they made my card unusable while I am on an international business trip. In addition, I had wait for many minutes for a supervisor to increase my credit line (temporarily) so I could continue to use my card. The reasons Amex gave for reducing my credit line are not consistent with my credit report. Amex representatives tell me that I have to provide data to refute their reasons for reducing my credit line. Our data sources are the same. The credit report I have from Experian says I am a good credit risk and more importantly, has not changed in the last six months. I can only conclude that Amex choice to reduce my credit line by $25000 was either an error or intentional based on some other criteria. The fact that it takes 40 minutes on hold to speak with Amex credit line help desk indicates that they may have done the same thing to many or their customers. Either way Amex have maltreated and disappointed one of your better customers. I plan to get my credit elsewhere unless they decide to restore my credit line and reimburse me for the trouble and expense they have caused me.
LA TRANSATION A PASSÉ DANS MON COMPTE AMEX 30.32 US LE 20.01.2011. AMEX PHONE 1.800.3016.
I agree. I have a very similar story. After being a card member since 97, with impeccable payment history and a total line of $90, 000, my LOC was reduced overnight to $4500 last October! Further, they sent me a letter stating it was due to new issues on my credit report (and there were none) and because I shop in stores where people do not pay their bills! Have you heard of something so preposterous? I am a New Yorker, shop at Bloomingdales and go out for dinners. What is that supposed to mean? I feel so insulted. After having complained for ayear, I have gotten nowhere. As a result, I have lost Delta Platinum status for flying and no longer support Delta as an airline though it was my first choice. I feel like Amex is misleading withtheir marketing campaigns as they have treated their customers like common criminals rather than loyal clients.
scam billing
I recently reserved a vehicle while on a business trip. The rental company placed a reservation for the total vehicle rental amount on my American Express card. During this time American Express lowered the limit on my credit card with absolutely no reason and no prior notice. They completely disregarded the amount of the reservation that the rental car company had placed on my account.
I tried for over 24 hours to reach American Express regarding this. When I was finally able to contact someone I was told to just pay off the card and then I could use the card to pay for the rental car. After explaining just how ridiculous this statement was and 'talking' to this representative a little longer she agreed to give me a temporary credit line increase. However, this increase would have put me over my limit and I would have been charged with over limit fees. I am quite sure that my 0% interest rate would have disappeared also. Not to mention the impact that would have had on my credit score.
I have NEVER been late on a payment on ANY of my credit cards nor have I ever been over any of my credit limits. Not that it is anyone's business but the balances on my credit cards come from financing a business start up and not frivolous purchases. If it were not for that I would not be carrying balances. Additionally I always make more than the minimum payment on all of my credit cards.
In short American Express was of absolutely no help to me with this problem that they had caused through unethical business practices. I know that American Express is experiencing financial difficulty and that is the reason that they did this, however, I am an accountant that specializes in helping small businesses get through rough times. I can tell you that one thing that you do not do is turn your good clients away. After researching this on the internet I found that American Express is doing this to a multitude of their account holders with credit scores over 700. These are good clients.
When I first started noticing the problems with the economy I did some financial planning for my own business. Not knowing how bad things were going to get, I made of list of the creditors that I would stay current and in good standing with if the economical situation became so bad that I could not pay everyone. American Express was at the top of this list. Needless to say, they are not there anymore. Additionally, I have consistently paid $100.00 to $250.00 per month more than my minimum payment and I still have a few months left with a 0% interest rate. I really hope that my $15.00 monthly minimum payment helps their cash flow situation. It makes a lot more sense to give this amount to a creditor that is still treating their good customers with respect. I will also reduce the balances on other cards faster, which is necessary, as now my credit report will show that I am using over 50% of my allowable credit with American Express which will cause my credit score to decrease.
This letter was addressed and submitted to American Express but is in a third party format as I intend to post it on every web site that will allow me to do so. American Express may not feel that it is important to notify their customers prior to taking an action that could place them in a horrible and embarrassing situation and have a negative effect on their interest rates, credit scores, etc. but my business is taking care of small businesses and individuals with financial problems and I do think that it is important.
The complaint has been investigated and resolved to the customer’s satisfaction.
They can and will get away with whatever they can. Why don't u just pay off all your cards and get rid of them, just use your debit card as a credit card and use only what u have in your acct. If you don't have the money then u don't need it. I don't make much money at all(less than $400 a week) and I don't have a business and if I can pay off my 26, 000 debt and stop using credit so can everyone.
People have become too dependent on credit and overspend, remember credit is not your money, it is their money that u borrow temporarily on THEIR terms. Unfair as it may seem, when u deal with these people you get what u deserve. You think this is bad, just wait til the new credit laws go into effect next February, then you will see just how they can REALLY screw you. The new laws were meant to protect us the consumers BUT since the credit card companies will be losing money(so they say) because of the new laws they will be punishing us. I for one will not be one. Im done with credit.
refund claims are deceptive
Consumers be aware!.. Do leave home without the amex travelers cheques... In july 2008, I was robbed of $10, 000.00 in amex tc along with numerous other items (3 cell phones, camera, local currency etc) although traumatized I contacted my friend in usa who called amex immediately to cancel the cheques. Upon my return I started to send amex numerou...
Read full review of American Express and 1 commentcharge denied for no reason
Amex card holder since 1974. Always paid off the entire balance every month. Used it three times sunday night, nov 9, 2008, for about $200 total. Less than 24 hours later, a $50+ was denied at a grocery store because I had never shopped there before! Don't ever recall being declined before.
First, that's bull. It had been two years since I shopped in one of those stores, but I had shopped with them before.
Second, try and get a believable answer by calling one of their "service" numbers. You end up talking to someone in india who obviously has no idea what standing in a grocery line is about and told me I should have called them on the spot to clear up the matter! Next time, i'm leaving the groceries and walking out.
Third, even if it was a fraudulent charge, it was just above $50. Technically, i'm responsible for teh first $50 of fraudulent activity and they cover the rest. So why decline a charge that's so small? Seems more like harassment than protection to me!
shoddy customer relations
I wrote the following two letters to American Express following what I regard as extremely shoddy customer relations.
Below is the letter sent on 11/04/08 to credit services expressing both our disappointment and frankly, anger at your treatment of our account.
However, just when we thought American Express had reached the bottom rung of our expectations, it has gotten worse. After earning legitimate point rewards from our "account in good standing, " your firm now has removed them not allowing us to even walk away after 10 years with our rightfully earned reward.
Frankly I think the whole episode smacks of a lawsuit, which I plan to promote in Letters to the Editor as well as to anyone who will listen. Shame on you and your shoddy attitude towards what you once regarded as your customers.
And to indicate your totally disregard for any feedback, sending an email is impossible through your website - how absolutely typical of your practices over the past few weeks.
Congratulations - we are truly amazed.
(Text of letter referred to above)
To Whom It May Concern:
Recently your department saw fit to cancel the above referenced card. A few thoughts on the topic . . .
1. We have held this card since 1999 and have always paid our outstanding balance monthly.
2. Yes - our credit is not good at the moment. However, we also realize the importance of having a credit card to use in case of emergency, etc. and have made certain to keep this card in good "working order" (for nearly 10 years). In our naiveté, we thought this might mean something to your firm.
3. And to completely destroy our confidence in this firm, you opted to cancel this card and then let us know five days later. How embarrassing for us to have to find this out by having the card turned down. And how totally reflective of shoddy business practices on your part.
In short, we have obviously mistaken this company for a reputable, upstanding firm that valued its customers. While your decision is no doubt based on our present bad credit rating, I can assure you of this - we will pay our bills and recover from this situation. Further, I can also assure you we will never again speak well of American Express.
Unfortunately, our situation is not unusual in this bleak economic climate. That will change. Our view and that of anyone willing to listen or read our account of your handling of our account will not change for your firm.
Why on earth did you post your credit card number on here. you are asking for credit card fraud to happen! You don't want to do that!
That's not very smart to post ALL your information on here. HELLOOOOO ID THEFT!
I am as I have said 83 years old with no typing lessons, I have done the best I can but I am also not computer literate please try to understand my attempt.
I recently received and began using an American Express Card conected to my Costco membership. Since reseiving the card I had a medical emergency, durring that time I was in and out of my wallet (my wife was a patient at David Grant Medicaj Center, Travis Air Force Base) Somewhere my card fell out of my wallet and was lost.
I called American Express with the help of Costco Personnel and answered all the questions asked totally honestley and was told a replacement card would be sent, few minuets later I was called back and informed I had not answered srcurity quetions correctly. I was asked the name of relatives over the age os 18 I replied with the names of the only living close relatives I have, my Brother Raymond L. Colburn and my sister Shirley Feilder, I was then asked about deceased relatives and I gave My Fathers name Custer L. Colburn and My mothers name Margret Guy Colburn (I have two brothers deceased I did not mention, Harold R. Colburn and Robert H. Colburn) Iwas asked my date of birth August 13, 1928. I was asked where I had lived, I lived in Lebenon, New Hampshire until I was 20 years Old when I joined the Army. I served in Austria, Korea, Germany, and Vietnam as well as the U>S. When I returned to the U.S on my last assignment I was stationed at Fort Ord California wher I retired from the Army at that time I owned a home in Marina California, address 3058 Sunrise Circle Marina CA 93933. I moved from there in November 1973 when I purchase the home I have lived in since thst time, 441 Edgewood Drive, Vacaville, CA [protected].
I have received my first Bill from American Express and have scheduled it to be paid on August 4 through my on line bank. Travis Credit Union.
I was told my wife's card would remain valid but that my card would not be renewed, we can survive on one card but it makes no sense. I forgot to mention I was asked for my full Social Security no which although I hesitated I gave your represenative.
I would like an answer and Know what they say is not correct because if someone is using my name and number I need to know, much of the information is about small towns and my Social Security Card was issued about 1945.
Sincerely
Clyde L. Colburn
Booked flight on Air Trans Air Line from Rochester N.Y. to Sarasota Florida on Jan 18th 2011-trip I.D.#[protected]-using 23, 239($232.39) American Express reward membership miles for departure on Feb 23rd at 7:00 AM from Rochester Inrenational Airport. Received confirmation of Feb. 23rd departure on Jan 18.th from AE-no Air Trans confirmation number was included. I called AE on Feb, 22nd, early evening, to get Air Trans confirmation # of flight leaving on the morning of Feb. 23rd from Rochester. The Air Trans Confirmation was LFF37U. I arrived at the RIAirport at 5:30 AM today, went to Air Trans kiosk, gave confirmation number, received from AX agent last night and was told that I was not listed on today's flight-the flight to Sarasota booked by AX agent was for MAR 23rd departure. I came back home and called AX Travel. I have re-booked fight to Sarasota on USAir fro Feb 24th. I asked agent If it would be possible to retrieve reward miles from the booked flight that was made in error for March 23rd departure. I did not ask for a March 23rd departure to Sarasota-I specifically requested a Feb 23rd departure from Rochester-seeing that I booked a re turn flight with AX for a March 4th departure from Sarasota.
I have been a faithful member of AX since 1984. I have never had a problem using my reward miles for a trip-on contrary, your agents have been more than wonderful in assistance. The error was inadvertently made by the agent. I am requesting consideration in having the 23, 239 reward miles for the March 23rd ticket from Air Trans returned into my AE Reward Mile Program. I did not make the error.
I thank you for reading this. Sincerely, Kathleen F.Toole
American Express card #[protected]
American Express has become a sub-standard card. During the holiday season numerous places of business denied the card complaining that they are charging retail vendors too much. It was also turned down by several restaurants, one of which I was lucky enough to have just enough cashto pay the check and had to apologize to the waitress for stiffing her.
I also booked a flight the beginning of Dec. to the Dominican Republic using my membership rewards points. The Am Ex operator directed me to go online and use 67, 239 points...the equivilent of what she said was a $672.39 ticket. Now, I found out that I could have transfered 25, 000 miles to Jet Blue and booked it through them. So basically, Am Ex screwed me out of 42, 239 points! I called to complain and when I couldn't get anyone on the phone from Am Ex that spoke clear english, I finally asked, "Where are you located?"
I have had something of a similar nature. With 6 years of financial responsibility and always promptly clearing my balance, I was suddenly faced with a reduced credit limit (becuase there was a small overdue balance on another card that I had overlooked). Amex is the only card that I travel with, and to my dismay it was rejected when trying to check into a Hotel. No amount of calls were of any help. My long standing credit history with AMEX appears to be of no account. Membership? Well here is one person now extremely disenchanted, and to think I had recommended it to a number of friends.
canceled card with no notice
I have had my gold card for 9 years. I have always paid my balances, even through a bad period, 6 years ago, when I let other cards balances be delinquent due to medical bills.
The one thing I always appreciated with AMEX was their awesome customer service. The about 3 years ago, I noticed they had begun outsourcing customer service and billing questions to a call center in India. There were more instances of what I would term poor communication: speaking with a rep in India, being assured that a payment would post... and then finding out it had not.
I never had a pre-set credit limit, and always paid off my card every month. However, about a year ago I had a family emergency and was unable to pay off the entire $2500.00 balance in one month. I called customer service, and they helped me set up a three-month pay off plan. I followed through, and did not miss a payment.
It wasn't until the last four months, that I ever again carried over a balance, but they never complained.
Then last week I paid off the entire balance to zero. I was thrilled that I was finally caught up.
Yesterday, a small charge with Amazon.com was denied. Curious, I called AMEX. The rep told me that my card had been canceled. I asked why in the world would they cancel my card when I had just paid them in full last week. I even talked to them on the phone last Friday to make sure my online payment went through.
The rep told me he didn't know, but that if I wanted my card "re-instated" I would have to pay $45.00.
I told him that was perfectly ridiculous and asked to speak to a supervisor. The rep cut me off.
I called back again, and then, after telling the same story to another rep, she said she would transfer me to a supervisor.
I waited for 30 minutes (timed it on my cell) until a person reading from a script (obviously not in the US), with a very heavy accent, told me that because I had something unfavorable in my credit report from the past, which was noted by a credit reporting agency, my card had been canceled.
She then offered to reinstate the card for a charge of $25.00.
When I asked to speak to her supervisor, I was told that he would not be able to do anything else for me. I told her to go ahead and transfer me anyway. She then cut me off.
At first I was mad. Then I felt hurt. I have used this card ethically for 9 years, and always paid my bills. My credit score is not perfect, it is 658.
But I have been striving to make it better every year.
My sense is that AMEX will be doing this to hundreds of us Americans over the coming months, and as they lay-off thousands of employees, those trying to communicate with them will be waiting for hours on the phone, and never be able to resolve problems.
I, like many Americans, needed my credit card for making reservations for business travel, shopping at Costco, and purchasing business supplies.
We are going to see greater repercussions; other businesses rely on us using our credit cards online, and during holidays. It will be interesting to see what happens to this "house of interconnected cards" as the months roll on.
We taxpayers may have bailed out the banks, but the banks are holding us up with threats of cancellations, higher fees, and trumped up charges.
Beware of American Express. With my husband's advice, I took the scissors to the gold card last night, and I look forward to a class action suit against them!
The complaint has been investigated and resolved to the customer’s satisfaction.
AMEX is the worst CC company ever in the world! Beware! Do not ever apply for any AMEX CC- you will eventually be burnt!
They cancelled my 3 cards, they cancelled my Dad's amex, my wife's Amex. You will never be given a logical explanation as to why they cancelled your account. One other thing; if you reach to $2, 000, 00 of balance on the card they automatically suspend your account untill you provide them with your tax return. The ANEX cards are designed for small to large business corporations and filthy rich people!
Hi I am Saurabh and this is a letter that was sent by me to the SBI Credit card department. This contains my bad experience with this bank. i have been victimised for showing being honest to the bank and the debt taken. Kindly go through the following:
To,
American Express Bank
Delhi-110001
Subject: Surrender of Credit Card No.[protected]
Dear Sir,
This is in regards to the conversation I had with your Customer Care Executive, who confirmed me that I am liable to pay an amount of Rs.15000 (approx.) to your bank.
Which includes Credit Card’s costing (Rs.2500), which was earlier told to be free of cost.
I would also like to tell you that in the previous days, I was been harassed by your recovery agent on phone, the person tend to nasty on phone which included abusive words also. The confirmation of which can be done by conversation’s recording
That I have made.
I shall inform you that I was eligible enough to take your services to a full stretch after this evidence, and bring it in the eyes of law. Its not that I was not willing to repay the money, but was not in a position to do so.
Also, I was been cheated in respect to the Card limit. It was told to me that the Card limit is Rs.50000, but this was changed to 13000 without a prior intimidation to me.
I am really disappointed with the lethargic and careless services being provided to your customers.
Finally, I must inform you that the actual amount that I am supposed to pay is Rs.8100 only, on which your Bank has levied card costing (I was told its free of cost) and some other charges that are fictional to me.
To which I am attaching a cheque that contains the amount that I am actually supposed to pay i.e. Rs 8100, further to which I am surrendering my card also.
Hope you work better at least in this respect.
Thanks & Regards,
Saurabh Kumar Ashish
E-84, Ground Floor,
Sector-20,
Noida.
Mob: [protected]
They have awful customer service. They took me on hold for 30 minutes first time. Second time was almost the same. Only on third call they answered me after 20 minutes of calling. And it took 5 minutes to rebook flight.
Recieved an e mail from Delta airlines that our old visa with NW no longer good for airmiles and had to switch to American Express for skymiles. Did this. Tried a balance trancsfer which took wells fargo a month to process. In the meantime I inquired about making a payment. told I had to wait until a statement was mailed. As soon as it was recieved i returned a check promptly. In the meantime I was reported to the credit bureau for $50 over limit (due to the interest charge which info was not avail to me) .This lowered my excellent credit score and affected my mortgage refi interest. I in good faith did what I was told and waited for a statement and was not allowed to make a first payment until then..I do not recommend getting American Express and Delta goofed. Very few merchants honor AE anyway.
Dear AMEX,
I do not appreciate you blocking my credit limit for no reason, why would you check on my credit without any reason and lower it.
An agent confirmed I could make another transaction of $3000 but now with the new restriction I can barely spend few more hundreds.
Is it because Jason got into an argument with me? I am very disappointed and have taken out the card from my wallet.
I have already reached out to CHASE - Sapphire and gotten approved. I shall start building credit with them instead.
For now, I plan to stop using your card and pay off the full debt over time and cancel the card eventually.
I do not have a problem sharing my latest paychecks or other financial documents but this is not the way to ask for it.
If you do not put my card back to the way it was, I am sorry to say but I have no choice and say goodbye.
I will miss using AMEX but don't want to play this game of egos with Jason or any other representative who does not care how a customer feels end of the day. Just saying you care is not enough, actions speak louder.
I paid my account off which was over 4K and thought I was paid in full however there was a bill in-transit of $49.15. They sent me a letter cancelling the account without reason or any money due on the account. I got a call from a collection agency say I was three months behind and owed $110.29. The difference was in penalties and interest.
I called American Express ask where did this charge come from on a cancelled account. They said we cannot tell you it has all been turned over to a collection agency and they have the records. They refused to talk to me and I ask for a supervisor to call me as one was not available and they said one would in 48 hours, none did.
Bottom line I call agency they said they only got the money due and they could not tell me anything American Express had too. This left me in the well known circle. I finally called after the 48 hours and got Philip, a supervisor, and he was very rude and just said you did not pay on time you owe the fee so just pay it. He said the agency could reduce the charge but as it had all been turn over to them he could not see any part of the account. I told him that was not true and both he and I knew it. He just kept saying the charge was this and I had to pay it or stay in collection.
I understood the cancelation due to two properties we have in fraud law suits which show on our credit report They will come off when they finalize the suit but after 30 years with American Express and a good payer they did not even call to ask why, they just cancelled two of our cards which were paid off.
The customer service was terrible from American Express and great from the collection agency they said do not expect the supervisor to call and they completely understood me.
I had to pay a debt I think was outrageous and believe me when the two properties come off of our credit report we will never do business with American Express again.
CLEVERBRIDGE AG KOELN, Stuart, Florida Complaints & Reviews - Unauthorized charge
Review all CLEVERBRIDGE AG KOELN, Stuart, Florida complaints
CLEVERBRIDGE AG KOELN
Posted: 2012-12-08 by Julieta Seur García
Unauthorized charge
I just found a charge on my American Express Gold Card for an amount of 31.40 which I did not authorize. Such charge appears dated on November 2nd 2012, as Cleverbridge AG Koeln and, I do not know who this company is and I also do not want their service. I want this money back into my account immediately... I am careful about where I enter my account information so it concerns me how you got my information...
I have been a cardholder for about 25 years. I have always paid my bill in full every month. In I had financial difficulties for the first time in my life. My AMEX statement came...it was $5, 000...I sent them $1, 000 and called them immediately to let them know I would get it settled ASAP. They asked me to commit to paying them $350 a month. I said I would...but told them that my intentions were to pay them much sooner. They insisted that I agree to have the $350 a month automatically drafted from my checking account...and I refused. Over the next 100 days I paid them in full...plus paid their outrageous late fees of about $700...and did not use the card any more during this period. As soon as the bill was paid in full...they cancelled my account and took away 175, 000 rewards points without any warning to me. I called them to discuss the situation...jumped through a million hoops...wrote letters...etc...and they have absolutely refused to return my points or reactivate my account. I know they have a right to do business with whomever they choose...but morally speaking...I think they are low class. I am 42 years old...have always paid my bills on time if not early...have maintained a 790-810 credit score...and the first time I have a problem they treated me like a career criminal. I am not asking anyone to pat me on the back for doing what I am supposed to do...but I don't think this was any way to treat someone who has been a good customer for so long.
American Express sent me an offer of a "free Kindle" if I charge so much within a certain period of time. WHICH I DID! It would be sent out 10 to 12 weeks after the purchase was made. It has now been 14 weeks and 3 phone calls later and I find out that all that can be done is customer service will sent a complaint to the marketing department and that department has up to 2 billing cycles to look into it. My friends all laughed when I told them I received this offer they said "let me know how that turns out" WOW was I the FOOL! You can bet that my friends will know how it turned out.
I have a charge of $43.19 on my American Express card and have no idea what this software might be. I checked my compurter and have no ca.com software on it. Would like to kow what to do next to get a refund from this charge. Thank you.
poor service
Excited at first to acquire the AMEX Platinum Card despite the $400/yr fee. All kinds of promised perks for having the card, which never materialized as portrayed. 1) Tried to use the companion travel benefit and within a month, the program abruptly "ended"., 2) Platinum travel benefits include airline lounge access - tried using it 3 different times in clubs they said were applicable and was denied. Was told by airline clubs that the website is incorrect., 3) Never missed a payment and have good credit but received a letter without any notice that they were restricting "sign and travel" benefit based on credit ? - Just called them and canceled The Card. Far more trouble than what it was worth.
AmEx and American Airlines are partners in a total SCAM. I have had the same trouble with them gaining access. On top of that. AmEx just charted itself as a "BANK" so it can go to the Feds and try to steal some of that 700 billion dollars Congress stole from us and gave to the crooks
penalty for paying bill early
Beware of paying amex bill early. Three times in this last year I paid my amrican express bill early. What you need to know and be aware of is that if you pay your bill after the previous due date, but before the closing date, amex will apply that payment to the previous billing cycle. Example: if your due date is the 21st and the closing date is the 1st and you pay your bill during that period the payment is considered to have been made prior to the 21st regardless of when it was received. Don't beleive me? Try it! I did it 3 times in last year and each time I did it I was credited with 2 payments in one month and none in the next, assessed a late fee, and subject to an apr increase.
My company prefers we all have an amex card and so I brought this to the attention of some of my colleages and told them to watch out. Of the 4 pesons I informed, one looked back and found that the same thing had happened to him - twice!
If you call them on it they'll back out the late fee but if they bump the rate you won't know until the next bill and then you really have to work hard to get the rate back because the calcualtors are working daily on your balance (And you never really figure out if they got it right or not).
How's I get there?: i've tried for years to get amex to change my due dates to on or after the first of the month (Because I get paid on the 1st) and I wanted to pay all my bills at the same time. They refused for years until this last march when a representative said to me "no problem" and supposedly change the date to the 1st. What really happened? They skipped my next bill - just never created one - then hit me hard with a triple whammy: apr increase, late fee, larger interest accrued (Becasue the number of days in the billing cycle essentially doubled) and - ready for this? - moved the due date from the 27th to the 21st!
So after 15 years with amex I had enough and cancelled my card. I'll have the balance paid of in a few months and be putting they in my rearview mirror.
I do it all the time and that has never happened to me. I take that back. You comment about it being on the previous billing statement is true, but I have never gotten a late fee. I agree you are right to flip out.
cut my credit limit
We were asked by AMEX to buy a higher level of credit card with Costco which costs $100. a year so we can have better priveledges. We then a few months later got a letter in the mail saying our credit limit has been reduced to $800. due to a couple of reports on our credit report. We have a zero balance with American Express...have never been late...always paid on time...but they say they do not take that into consideration even though we have been members for approximatly 8 years. I did get a copy of my report btw and to me it looked excellent. There was one bad report due to a service that was cancelled by me and is currently in dispute but being taken care of...but other than that everything has been in good standing. Oh excuse me..5 years ago i was late on my mortgage payment ONCE. This is very bad businees especially for COSTCO since I do my business with them and this will be limiting how much I will be spending with them. This is so very insulting to be treated like this. I would like an attorney to take this on.
thats something u have to take with AMEX. Costco has no fault on this. becoming an executive member does give you more benefits with amex but they shouldn't run any other reports on your credit card. i would advise you to get a credit report to make sure noone is using ur ss# and ruining your credit.
american express blue cash rebate
I started using the American Express Blue Credit Card thinking I was getting the advertised rebate of 5% everytime I used the card at my local grocery store. WRONG! Apparently, AMX Blue doesn't consider my local grocery store, a grocery store. So they don't pay the 5% rebate. What a CROCK!
If you think you're getting your rebate everytime your use your AMX Blue credit card or any other rebate card, don't believe it. Double check and if your card company isn't doing what it advertises, change cards.
You don't receive a 5% rebate until you spend $6, 500 on the card. The problem is not AMEX or your grocery store. The problem is you are a ### who doesn't read the terms of his credit card agreement.
cancellation of cards
Hi,
I hope someone can give me contacts (people), addresses and telephone numbers to resolve my problem and re-instate my cards.
On Tuesday, October 28, 2008. I received a call from my accounts manager (never knew I even had one) at American Express asking why $56, 000 had been run through my merchant account machine my companies' Platinum Card.
I explained that I had a customer in the Bahamas whose card that would not work (to pay for a printing job) and that I swiped my own card to see if my machine was broken. I know a "REALLY DUMB" thing to do... and I did it 3 times) ANOTHER DUMB THING... but you can see I am telling the TRUTH... and I thought I was putting in $18.00 NOT $18, 000. So I told the guy, "Hey I'm sorry, won't do it again, it was a mistake"! So he says well isn't not that simple.. "this is fraud (none of the swipes went through), and it's a serious violation and ALL your cards are CANCELLED.
He further went on to say, that the CANCELLATION of ALL my cards will be reported to ALL CREDIT Reporting Agencies (Closed Due to Fraud) which will lower your FICO score, and upon review we may ask ALL OUTSTANDING balances be PAID IN FULL immediately (approximately $86, 000) and ALL your points 161, 396 have been forfeited / taken away.
Does anyone who I can contact who can take care of this? Any and all help appreciated.
Hi,
I hope someone can give me contacts ( people ), addresses and telephone numbers to resolve my problem and re-instate my cards.
On Tuesday, October 28, 2008. I received a call from my accounts manager ( never knew I even had one) at American Express asking why $56, 000 had been run through my merchant account machine my companies' Platinum Card.
I explained that I had a customer in the Bahamas whose card that would not work ( to pay for a printing job) and that I swiped my own card to see if my machine was broken. I know a " REALLY DUMB " thing to do ... and I did it 3 times ) ANOTHER DUMB THING ... but you can see I am telling the TRUTH ... and I thought I was putting in $18.00 NOT $18, 000. So I told the guy, " Hey I'm sorry, won't do it again, it was a mistake" ! So he says well isn't not that simple .. "this is fraud (none of the swipes went through), and it's a serious violation and ALL your cards are CANCELLED.
He further went on to say, that the CANCELLATION of ALL my cards will be reported to ALL CREDIT Reporting Agencies (Closed Due to Fraud) which will lower your FICO score, and upon review we may ask ALL OUTSTANDING balances be PAID IN FULL immediately (approximately $86, 000) and ALL your points 161, 396 have been forfeited / taken away.
Does anyone who I can contact who can take care of this ? Any and all help appreciated.
Hi Jen,
TY for posting ..well have done hours of research and am awaiting a call as to my fate with this situation. I will keep you posted ..
I want to sue Amex for these practices. Please contact me asap
tcw19 at columbia.edu
I just had a similar situation happen with American Express. I've had my card since 1996, never been late with payments, never been over my limit, never never never. I have been actively paying off my card and was about to make the final payment on the account this month. I received a notice saying that my card was being cancelled.
When I called, they said it was vaguely due to 'fraud' and that it was going on my credit score as 'closed by consumer'. They refused to tell me any more information.
I wish I had advice, but I hope it at least helps to know that you're not the only one that amex is sticking it to.
scam
Warning! amex will with no reason, justification or cause take away your credit limits and destroy your credit score! They are currently gutting loyal clients credit lines, and destroying good honest peoples credit scores! By destroying the credit score they are single handed making the credit crisis much worse. By destroying my score, they just caused a loan to my business to be declined and caused it to close, putting several out of work. DONT TRUST YOUR FINANCIAL LIFE TO AMEX> They dont care about their customers and have no loyalty, even to customers of over 20 years! With so many good credit card companies like Chase, B of A etc.. dont let amex screw you like they just did me.
The complaint has been investigated and resolved to the customer’s satisfaction.
I had a personal card, not business. However, I always paid on time even more than the minimum. Out of the blue, without any notification I started receiving calls from a collection agency. I thought it must be a mistake because I paid everything on time. Oh no, apparently AMEX decided to send me and my perfect credit history to collections. I called them to fix the error and while they looked into it and verified the mistake they said it was too late now that my account was gone (...gone!?!?) they couldn't fix it. After pleading with several different credit agencies over the years and attempting to work out a payment plan (not sure why I should have to!) I gave up and reported them to the BBB. Obviously without a response. I just reported them to the NH Attorney general. We'll see. I am officially very angry. I was married to an abusive man who messed up my credit and I must say that the only other blemishes on my credit are absolved with my divorce decree so AMEX has now crossed a line with me. Nobody should be allowed to take a bailout from the government and tossaway paying cardmembers. What idiots they are.
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.
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?
The complaint has been investigated and resolved to the customer’s satisfaction.
This is the same exact b.s. that also got pulled on me. It's a bit futile, eh?
This is just happening to us as well. They are horrible and they do not want to help anyone.
Wow! This is my story exactly. This has just happened to me exactly as it did for this person. Help!
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
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.
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
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.
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.
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.
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.
I was shocked to see the behaviour of people representing a american express travel agency in MGF Megacity Mall, Gurgaon, Haryana INDIA.
They were so rude that were not interested in attending a customer and behaved very rudely to sent me back from there office. It was so rude that i will never again go to an Amex travel agent nor refer anyone in future.
Shame for such a big company to keep such people as their representative.
A customer swiped and signed the receipt. Then when their statement came in they didn't recognize the name on the statement because I am a sole proprieter. So the customer filed a fraud complaint. Now I have the receipt and video recording of this customer standing in my business but somehow Amex feels it is appropriate for me to work for free and refund the customer who says the charges are valid, all because I was unable to respond to their claim letter within ther allotted time. To bad it doesn't work the same way. Anytime they are late on paying me I should receive some kind of bonus pay. I can not stand doing business with this company. It's bad enough that we the merchant actually pay for reward points out of our pocket and now they steal from my account. Keep your hand in your own pocket Amex. ASAP I will be dropping this account. But in a very professional apologetic way. I learned from them how to be so cunning after spending so much of my time double checking their work. Calling when they got it wrong. Waiting to speak with someone who knows what they are doing. And now being denied a valid charge even myself and the customer agree are valid.
Koreana
13457 Olive Blvd
Chesterfield, MO 63017
Merchant refuses to accept multiple credit cards claiming that it is "after hours." She also claims that doing so would force her to incur additional charges and refuses to provide any alternative means through use of plastic. Worst merchant! Do not frequent, but if you do, make sure you take plenty of cash!
Soon all servicing for Amex Merchant Services will be in India or, minimally, by an outside vendor. Amex has prospered via the loyalty and dedication of employees and has, in return, off shored or outsourced nearly everything except collections. Wise up and take back our country.
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!
Ive been with American Express 40 years and they canx my platinum card without notice. I paid of 50,0000 last year, niever missed a payment in 40 years have an 833 credit score but because I have no balance on my card and havent been using it I got cancelled. There is nothing American about this company anymore.
I have been an AMEX cardholder for 27 years, but I am cancelling my account because computers have been allowed to take over their business and they are charging late fees that aren't justified, then charging additional late fees on late fees.
AMX used to have a sterling reputation, but now they are just another schlock credit-card peddler. Why pay an annual fee for that?
Wow, Amazing stories! I am a long time customer. Have spent 100K's (Maybe over a million, I don't know) on my Amex cards. Never missed a payment, never late for over 20 years. High credit score, and used to use my Amex for ALL business and personal spending. I have literally built my business with Amex. But my experience is exactly like everyone on this blog. They have completely screwed with my business and my personal life. I believe in loyalty and Amex has been the WORST card I have. With all the years of using their services, this is how I am repaid. I am pissed! I still use my Amex card (with a pathetic $3000 limit) on it. I have 100's of thousands of miles on my rewards. I am thinking of using the rewards and then canceling all my Amex cards forever. What a shameful way of treating their loyal, credit worthy, customers.
I used my Amex to book a hotel room through Amex travel. I booked 5 nights (and had to pay for the whole trip immediately) but checked out a day early (my daughter got sick) only after calling Amex travel and having them first tell me there was nothing I could do to get a credit for the one night then the girl that hardly spoke english told me she could call the hotel and talk to them. She came back on the phone and said no one answered the phone and for me to call back in 3 hours. I asked if I could speak directly to the hotel and she said yes. So I spoke to the hotel and they said no problem. Next morning I go to check out and the hotel says that since this was booked through Amex travel they cannot issue a refund due to the fact that they weren't even paid for the whole stay yet. So I called the "customer service" number back and was once again told they needed to call the hotel. As I am on hold they call the manager...the agent told the manager he needed to talk to his supervisior in what I can only imagine is INDIA...then he never came back on the phone with the hotel manager, but came back on the line with me and told me he talked to the manager and was told it was hotel policy not to refund for unused nights., I was standing right there with the manager who said nothing of the sort...so now I am fighting to get my over $300 back...I will never book through Amex travel again and next month once I switch all my automatic payments to another card, I am canceling my card.
ive been a platinum rewards member since 2006.. .a gold card member since mid 2007 and a platinum card holder since late 2007. ..ive never missed a payment on any of the cards. ..NEVER.. .when the economy took a seat on the back burner, amex decided to take my credit line of 20k on my business rewards card and minimize it to 1k.. .they gave me every reason known to the credit bureau except bankruptcy, but still my credit score qualified me for PRIME +1.2% APR. ..it doesnt make sence.. .all this while they "pre qualified" me for the illustrious platinum charge card. ..after a while my business was growing even more and i needed more materials and merchandise.. .plus i was traveling more and expanding. ..right as i come back from the middle east on [protected] i sent an associate to mexico city on 7-2-2009.. .i gave her a couple grand in cash and the company gold card thats linked to my platinum card.. .as i make purchases today my card was declined.. .i called and they answered that i reached my limit.. .and this decision was made yesterday.. .interesting.. .today in JULY 5th and yesterday was JULY 4th.. .they gave me the same run around as the last time they slashed my line on the rewards card.. .now heres the kicker. ..my statement closes on July 17th 2009 and today is the 5th of July 2009. ..they did this before the statement closing date.. .i charged 4, 800 some odd dollars and they rolled me back to 1500.. .i made a 3k payment on the spot and i'll pay the rest tomorrow after i go to the bank to make a deposit.. .the rat ###. ..my associate is in mexico city trying to close deals, and now her card doesnt work so shes gotta dip into the cash.. .i dont give a rats posterior anymore about this card. ..i will never forget the day these "people" threw me under the buss.. .im cancelling the card as soon as the associate lands in los angeles. ..im not a fan of collective punishment and will in no way deal with these people as long as i have money, a brain and a back bone. ..the three things amex lacks .. .
sincerely,
S.J.M
I completely agree AMEX is lame. I've been a customer for over 5 years, never EVER carried a balance with them. I forgot that I charged $15 for luggage at the airport about 2 months ago. Never received a bill (on paperless statements), and subsequently forgot about the $15.00. They charged me a $25 late fee. I called to ask for a one time reversal, no go. So I cancelled my card. My credit score is 800+, if they are unwilling to accomodate me, then they can go to hell.
We need your help exposing AMEX for their terrible customer service and
lack of loyalty to their customers. Thank you in advance for reading this
email.
We have been a member of Platinum American Express since 2000. We have
used our cards, which we pay a fee of $400+ each for the privilege of
spending money with them, for our corporations, our personal expenses, and
travel. Over the years we have probably spent over $700, 000 with American
Express! We ALWAYS paid the balance off when due and at times at meant a
$50, 000 monthly payment.
During the last 6 months, we have used our American Express cards less and
less. One reason is that we had some charge problems using the card in
Mexico that went largely unresolved for all parties because no one in
India (Which is where their call center is for this "American" company)
could comprehend the intricacies of our problem because it was quite
simply a matter best dealt with by an American. Even someone from Mexico
would have understood it better.
Secondly, we were using other cards that gave us the mileage points we
needed for an airline.
The problem is that because we have NOT been using our cards very much,
they have cut us off at $500! Now that we need it...we got cut off at
$500. For no reason. We have no payment due until July 2nd and our balance
is only $443.27. We have carried balances in the 10s of thousands in the
past and now we can only have $500. Which is less than our annual fee
we've paid this "American" company. What if we were out with clients
wining/dining and our card was declined? That would be so embarrassing.
So we called and complained. Who did we get? Some smug kid in India who
put us on hold for 20 minutes and told us that "the computer says you have
not used your card much in the last 6 months, so your balance and
available credit is $500." HOW DOES THIS MAKE SENSE WHEN THEY ADVERTISE
THEMSELVES AS A NO SPENDING LIMIT CARD? AND WE ARE PLATINUM CARDHOLDERS TO
BOOT!
I have had the same issue that others have reported here. A 800 FICO, perfect credit with no late or derogatory reports. There was a posting error on my business account, which they now claim I am 60 days late on even though the money was posted to my platinum account. The are claiming I am not credit worthy and revoked my credit line with no notice. I wrote a letter to the CEO's office, we'll see if they give a crap. I always thought AMEX was better than the other consumer issuers but looks like they're far worse.
American express is punishing all of their longstanding credit worthy loyal customers because they have extended credit to deadbeats that should never have received credit. Now that the deadbeats have defaulted AMEX is taking it out on their good customers. I personally have consistently had various Amex cards since 1974, both personally and in MY business, that's right 35 YEARS! I have always been told that there is no limit on my green card or gold card and regularly pay my monthly bills IN FULL. I am completely debt free and have had excellent credit my entire life with very good cash flow and substantial liquid assets. I have always had the the attitude that if I can not afford it I do not buy it. Recently my monthly spending declined on my Amex card however within the last 12 months I have had monthly bills of $8, 000.00 which were paid promptly. Today I attempted to use my amex card to place a deposit with a publicly traded national auction company in order to bid on some specialized equipment. They declined the deposit hold stating that I did not buy enough recently and they would only issue a $1, 500 approval. They never informed of this and damaged my reputation with the auction company. American express is punishing all of their profitable loyal customers because they have extended credit to deadbeats that should never have received credit. Now that the deadbeats have defaulted AMEX is taking it out on their good customers. I personally have consistently had various Amex cards since 1974, that's right 35 YEARS! I have always been told that there is no limit on my green card or gold card and regularly pay my monthly bills IN FULL. I am completely debt free and have had excellent credit my entire life with very good cash flow and substantial assets. . I have always had the the attitude that if I can not afford it I do not buy it. Recently my monthly spending declined on my Amex card however within the last 12 months I have had monthly bills of $8, 000.00 which were paid promptly. I attempted to use my amex card today to place a deposit with a publicly traded national auction company in order to bid on some specialized equipment. They declined the deposit hold stating that I did not buy enough recently and they would only issue $1, 500 approval. I was unable to bid and I am completely disgusted with the way I have been treated. They told me that I should prepay Amex the $7, 500 if I wanted to use the card for a $7, 500.00 deposit. I was unable to bid and I am completely disgusted with the way I have been treated. They told me that I should prepay Amex the $7, 500 if I wanted to use the card for a $7, 500.00 deposit, which is the most absurd suggestion that I have ever heard.
Who are these incompetent people making these decisions? They should be immediately terminated because it is obvious that they are grossly incompetent. . Possibly this is a signal that American express is not solvent and can not service the 30 day cash flow for their card holders. They live on the high transaction fee's that they charge their merchants Amex volume. I thought that they were better than AIG, GM and the other incompetent financial institutions. At a minimum I should have received a phone call from someone at AMEX STATING THAT THEY ARE HAVING SEVERE FINANCIAL DIFFICULTIES AND CAN NO LONGER SERVICE THEIR CARDHOLDERS. I think they want us all to go to Visa, Master Card and Discover. I INTEND TO HELP THEM BY NOT USING MY AMEX CARD AS MY PREFERRED CREDIT CARD. I HAVE SENT A LETTER OF COMPLAINT TO AMEX CORPORATE- LET'S SEE WHAT THEY SAY. Maybe I will post their response. I am directing them to this site to see what their customers think of their new credit policies.
Same thing happened to me. I've got good credit...I always run a balance, but I ALWAYS pay over twice the minimum monthly payment. I've never missed a payment for anything. About a week and a half ago I paid off the $4000 balance I had on my card in one fell swoop and two days later they cut my limit to $1000 without even sending me a letter or an eMail. I was going to be putting my wedding rings on the card! If customers like myself are paying their high interest rates on time and without complaint, what sense does it make for AMEX to antagonize and turn away their bread and butter? I'm going to keep the card indefinitely and get the limit raised as much as I possibly can as soon as the economy returns...but only use it once a month and pay it off as soon as I get my statement. I'll be damned if I ever give them another cent that I don't have to.
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)
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.
American Express is the evil empire. I wouldn't normally use such strong language, but I have experienced everything mentioned above (change in due dates, not being able to schedule payments online after the due date, etc.) plus 30% interest rates, daily phone calls when I'm only a couple days behind, and ridiculous lines of questioning a year ago when I was late on a payment - every time they called they asked me if I could "borrow money from a sibling" to pay the bill. None of my other accounts treat me like I'm a child. It's demeaning.
I also shop at a boutique that recently stopped taking American Express because of their own difficulties with them. One day their pay-over-time charges were suddenly shifted to DUE IMMEDIATELY, with no warning. Suddenly their bill was unfeasible, overnight. How is that even legal?
I haven't had that problem before, but I have noticed that the month to month "Due dates" or "please pay by" have been shifting. My period ends on the 8th of the month. My usual due date printed on the statement is usually the 2nd. But I have been noticing that at the end of the quarter (December, March, etc) this date is shifted back about 10 days. I have called CSR a couple times to confirm this, and its the same answer, "you will not be over due until the start of the next billing cycle." No one can seem to answer why the date on the statement changes.
I think American Express is trying to get unknowing customers to pay their bills before the end of the quarter to pad their financial statements. Not that I really care about their quarterly balance sheets, but the annoyance is that their website doesn't give you an option to pay after the "please pay by" date.
I don't know what is happening at AMEX. They are spiraling downward. I always schedule my payment on the day its due. Been doing it for 10 years with AMEX.
3 days ago my card started declining. I called them and was informed that I was past due. I pointed out that the payment wasn't due until DEC 20th, another 5 days away. I showed them the already scheduled payment for that day.
They gave me some ### that I have to start paying ahead of time from now on. I don't know what they are up to at AMEX, but it is getting worse by the day.
We will never use AMEX again. They are willfully screwing their customers and the word is getting out.
PS: This is how they screwed us last month
http://amexcreditreduction.blogspot.com/
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
American Express Reviews 0
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About American Express
One of the key features of American Express is its rewards program, which offers cardholders a range of benefits and perks, including cashback, points, and miles. These rewards can be redeemed for travel, merchandise, and other valuable items, making American Express cards a popular choice for consumers who want to get more out of their spending.
In addition to its credit card offerings, American Express also provides a range of other financial services, including personal loans, savings accounts, and investment products. The company has a strong online presence, with a user-friendly website that allows customers to manage their accounts, track their rewards, and access a range of other financial tools and resources.
American Express is committed to providing its customers with the highest level of security and protection, with advanced fraud detection and prevention measures in place to safeguard against unauthorized transactions. The company also offers a range of tools and resources to help customers manage their finances and stay on top of their spending.
Overall, American Express is a trusted and reliable financial services provider that has earned a reputation for excellence in customer service, innovation, and security. Whether you're looking for a credit card, a personal loan, or other financial products, American Express is a great choice for consumers and businesses alike.
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I can swear that happened to me too.
First, about 8-9 months with Amex Blue and I thought perhaps it was my fault so did nothing and paid late fee. Now it happened again! I always schedule a payment as soon as I get statement for all my cards and have not missed any of my credit card payments except for Amex. Seems a strange way of going crazy if it affects just one of several credit cards that I have. Also, why can't Amex have a normal autopay function that allows to pay on due date? I bet they chose to make it difficult on purpose by making customers
choose "# of days after statement".
They absolutely do not recognize any business with them beyond the previous month. I had been an American Express blue, then gold and also a corporate card member for 20 years. One month I missed paying my balance that coincided with the company I was working for shutting their doors. Suddenly I had to speak to their collection department who were very rude. They had actually sent my file to a collection agency. The representative from the collection agency was extremely aggressive using various tactics and threats. I won’t even mention his name since he was [censor]. When this happened I called American Express and spoke to a Mr. Fernandez. After I gave him a piece of my mind from 20 years of loyalty, he called the collection agency to cool them down. An agreement was made to pay in installments over a period of time. The collection agency representative couldn't believe it and asked me "who are you and how did you manage that". Well, since he was [censor], he had no idea how the business world worked, he was puzzled. Now Mr.Fernandez also promised me to re-activate my card once the balance was paid. When I completed the payments, I called back Mr. Fernandez and no one knew where he was in the company. He mysteriously disappeared and my request to re-instate my card was completely refused. What they don't know is that I record all my telephone conversations when dealing with over the telephone promises. One day, when time permits, someone at American Express will re-instate my card when they listen to the conversation.
I have had the same issue just today. This is definitely a scam. I schedule my payments online. I check my bank balance daily and have noticed that my pmt due Nov 2nd was not getting processed. The money was still in the bank. So I log into Amex this morning, and guess what? No record of the payment.
The rep said they have no record of it either. The supervisor waived the late fee of $25. But I am still upset. You can't trust a business like that. I used to have autopay. I guess since I removed it, they screwed something up and just deleted my manually set up payment. Who knows...
I have had trouble w/ online payments as well. They now send you a confirmation email, but they changed my bill closing date from what was posted on the website when I made my payment vs. what was paid on my bill.
When I have tried to talk to the 'drones' that work in AMEX customer service, they refuse to listen...
I used to love AMEX... Now I despise them... I have been w/ them since 1995...
The other thing this situation demonstrates is that to AMEX, cardholders are only as good as their last payment. A long past history with a card does not mean a thing to them...
Hi,
I'm so glad I found this post, which confirms mine isn't an isolated case. They charged me a late fee plus a 75% reduction in my credit line. I told the CSR the situation and she said she's never heard of prescheduled payments disappearing before. I'm sure it's some sort of scheme to charge late fees and get rid of people who pay the whole balance on time all the time. They only make the real money with those who carry a balance. I'm going to say bye bye to AE and try someone else.
I thought I was the only one or that I was going crazy. I distinctly remember scheduling a payment for my Blue card at the beginning of the month only to look today and see that it had not posted. The result was a $38 late fee. A call to AMEX and the charge was removed, but I know I had made the payment. I like the cash back, but this company isn't being run properly. Add to that the fact that their retailer rates gouge small businesses and I'm seriously considering canceling my card.