American Express - Disputed Charges

I have been an American Express customer since 2009. I always pay my bill in full each month. Two months ago, due to things being busy, I paid my bill in full one day late. As a result, I was charged a $35.00 late fee and a $8.69 finance charge on my next bill. I called and asked about having them reversed as a courtesy due to how I am rarely late and I always pay in full. I was told that due to how they reversed charges for me in June 2011, that they would not reverse charges for me now, 2/2012, eight months later.

I asked them to cancel my account because I thought the fees were outrageous. I was not even 24 hours late paying my bill. What happened to grace periods of at least three days? It wasn't like I was one or two weeks late. Today, I got my final bill. Included on it is a finance charge for $3.41. I called to ask them about it, even though it is not that much, because there wasn't any reason for it to be there. They told me that the finance charge is pro-rated and the $3.41 is a carry over from last month's bill. So, the total finance charge was $12.10, not $8.62.

This is how American Express treats customers who rarely pay late. They give you one "refund" in fees every 12 months if you, for whatever reason, are late on paying your bill. No exceptions. Mind you, I never pay the minimum payment, I always pay in full. So in case you didn't catch, that I was charged $47.10 for being less than a day late on a payment in full of my credit charges.

Given the economy for the past four years, given that Americans disposal income hasn't increased for the past five year and given that company's haven't given good raises in the past five years, I will take my business elsewhere. Thank you very much. $47.10? That's exorbitant. I can see it if I didn't make my payment for two weeks. But less than 24 hours after the due date?

I'm a very dissatisfied customer who is taking business elsewhere.

On 08/21/11, American Express charged me a payment late fee, but I paid on time. The late fee is not warranted.

Wow! How impressive to waste the comptroller's time for two hours to verify a card in possession, and charge valid for the traveling representative.

"How are you today, Mr. X?" "Oh, I am sorry to hear that Mr. X. Please, hold on while I check the reason for suspected fraudulent charge." "Can you verify employee Y has her card in their possession?" "No, they are not sitting right next to you?" "Okay, can you verify that the charge made at a gas station in California for $60 was made by employee Y?" "No? They are still not sitting right next to you? Oh, well call us back when you know. Have a good day." What an idiot!

I disputed a charge to Horizon Direct LLC, who are drop shippers and makes websites to drop ship their products, but I have a feeling they are of low caliber and can not be trusted. They started out by charging me $178.00 for a 300-product website. They made a written guarantee that if I don't make any profit within 6 months, they will be refunding the $178.00 I paid them.

6 months passed and nothing was sold. They would not stand by their letter nor would American Express make them stand by it. They said that they didn't have proof that I didn't make any profit. I told them it wasn't me that had to prove anything, they had to make Horizon Direct show proof that I did profit from their site since they were the drop shippers, plus they were the ones who wrote the letter.

American Express never answered, and just told me to take it to my state's Consumers Affairs, which I will, but am not sure if that will help or if I will have to go to Arizona's Consumers Affairs to get anything done.

By letting this company get by with this, how many other people are they going to con into getting a website and then not hold out to paying them back, after they promise them that they can make money, and writing a letter of guarantee. Someone needs to put a stop to them and I am sure going to try. No one should use American Express, if you can't trust them to stand by the right person in the dispute. Are they that money hungry?

The company sent me an offer for a Green card in the mail with a RSVP code. I responded to the offer online and read the terms and conditions on the form on the internet that I had to fill out after inputting the RSVP code on their website. It specifically mentioned that the first year fee would be waived, however, they charge me the $95 annual fee and when I disputed it, they said that I would have to cancel the card in order to avoid paying the fee since it mentioned the annual fee in the offer in the mail. This has affected my credit score and also, I have bought an international air ticket through this card which, if I need cancelled or changed, will be a problem since I don't have this card anymore.

I recently hired a window cleaning service to come to a property to clean the windows. I was working on a photo shoot, and the windows were very dirty. When the crew arrived, they increased the cost significantly over what I had discussed on the telephone. The charge was supposed to be $420. Resigned, I gave them my American Express number, and they charged my card twice. Once for $435, and once for $535. I have one invoice from them for $420. They never said that they would be charging my card twice, in fact, they told me that they would credit my account.

I lodged a dispute with American Express and explained the case to them. The case was decided in the merchant's favor because, according to the letter that I received, the merchant provided charged receipts for both charges. Yet, the vendor never provided a service, informed me that they would be charging my card, or have my signature authorizing them to charge my card. How can American Express decide this against me? Assuming that there must be some misunderstanding, I have renewed the dispute, I had to type up a two-page letter explaining the problem in detail, and fax that in.

There is no way to speak with the people that handle the disputes, I had to fax in the document with a reference number so that it would get attached to my file. Still, no response from American Express. I have been the victim of credit card fraud. Someone has charged my credit card without my authorization, and rather than protect me, American Express is trying to make me pay for the unauthorized use of the credit card. It is inexcusable.

I recently called customer service as I had question regarding my billing statement. The cash back rewards details on my statement was really confusing and I wanted to make things clear. The person who answered my call was very rude (He said his name was Andrew in Toronto). First, he interrupted me three times. Whenever I tried to explain my question, he would interrupted me and start making comments which didn't make any sense.

Then, when I explained to him that what he is saying is not true, he said, "Seems like all the cash back rewards details is missing in this statement (which was again not true)." And then, he started sounding agitated and angry. When I told him that he doesn't have to be rude, he started yelling. I hope that they improve the customer service; otherwise, I will have to stop using American Express.

When visiting Tokyo, my husband opened a tab at a restaurant. When he first handed his credit card (Visa) to the merchant, they came back and said they couldn't properly swipe that card and they would need a different one. He handed them his Amex. He closed his tab a short time later and was handed 2 receipts both for $787. He was told they were his 2 copies. He thanked them and went on his way.

He was called by Amex 2 days later that they had suspected fraudulent charges on this account. There was an $8000 charge that was in question. The good news is, he was already out of the country and the charge was deemed fraudulent. The bad news is, Amex didn't catch the fraudulent charges while he was at the restaurant. The merchant had swiped his card unknowingly 2 more times. Totally $7067. Amex refuses to remove these charges because they say he was there and handed his card over. They don't care that he didn't authorize nor know about nor presented with a receipt for these insane charges. We are on the hook for $7067. We need to take Amex to court. Where do we start?

I received a statement for $843. I sent 2 payments with the same invoice for $800. When I viewed the bill online, the $800 was not posted. I called and I called NYC headquarters. On the first call, the woman I spoke with told me to wait a few days until the due date to update the account. I found the error and called back and the same woman gave me a new story saying that American Express has posted a $600 credit on my account 2 times. I looked at the bill online and found that my money order for $600 was never posted. She and all the staff I spoke with at American Express were extremely rude. They told me that I had to deal with the same office at executive office. I am concerned, they are playing games with my account and not posting correctly. I am very disapointed and this is the end of a 12 year account.

On February 23,2010, American Express canceled my gold card because TXU energy put an $80.39 charge off in my credit report by accident. I cleared it up with the BBB of Texas and then I was told by an Amex representative to fax a copy of the letter from the BBB to re-instate my card. Well, I did that multiple times in March and Amex never sent me any correspondence regarding the matter.

I called today, April 19,2010, and one representative told me they received the fax on April 12, 2010, but that didn't matter because I would have to re-apply for the card again and I failed to send copies of the corrected credit report from the bureaus to Amex. This is inconsistent with what the other representative told me and all I got was an ambiguous run around, I never used the card once. Not to mention, I received a letter trying to console me, blaming it on the economy. My credit score suffered a loss as a result of them canceling my card and emotionally, it hurt me because I was so happy when I got it, only for them to cancel it a month later and when I tried to fix it, they didn't care.

My family owned a store which sells earth products. We sold and delivered $17,000 worth of topsoil to a customer. The deal was made over the phone. The customer's credit card number was given over the phone twice for 2 different days of delivery. The topsoil was accepted, spread, and seeded around the customer's home and swimming pool. A few weeks after the sale, the customer disputed the charges contending that they never ordered the topsoil. When our store manager called to clarify the matter the customer claimed that he didn't know who we were. Amex initially denied his dispute and sided with us-the merchant.

The customer continued to appeal and even though his complaint was not logical, Amex took the money back out of our account and ultimately sided with the customer on a technicality which was completely impertinent to the case. We had to sue for payment of the material. He changed his story when we filed a lawsuit, stating that the pool contractor was supposed to be responsible for the topsoil. The pool builder presented his contract showing that the topsoil was not included in his fees. We ended up settling in the courtroom for $15,000, minutes before going to trial, with witnesses stating that they heard the customer make the calls, order the topsoil, and give his credit card number.

Apparently, this person had failed to pay other contractors as well. The technicality was that we had not obtained the 3 digit security code on the card--completely unrelated to the customer's dispute. Obviously the judge sided with our store, and ultimately, the customer paid us in 2 payments over 3 months. When we realized that Amex was taking the money out of our account, we stopped payment on the 2nd draft and, needless to say, stopped accepting Amex charges.

At this time, our lawyer continues to hold back the 2nd payment to Amex because they have black listed us. We are unable to obtain a merchant account for another separate business because Amex put us on some list that will prevent us from obtaining an account for a year, even if we pay the money to them! This all took place during the time that Amex was advertising how easy it is to not pay for something if you dispute the charges.

We received threatening calls from Amex stating that they were sending our account to third party collections and that this action would affect us personally; this was happening despite the fact that our lawyer had notified them that we had begun legal pursuit of the matter. The action Amex took is impeding our ability to do business in another location because our names on the merchant account have been blacklisted. We had to pay our lawyer $5000, the customer paid $2000 less than he owed, our monetary loss is $7,000 once we pay the last draft back to Amex. We have tried to reason with them, "we will pay you now if you take us off the list". They say we are on the list for a year, no negotiation. Our monetary losses will continue to mount if we are unable to obtain another merchant account for our other business. I am sure there are other merchants who have been treated unfairly in a similar manner. A class action suit sounds good to me!

In December of 2009, I contacted American Express and advised them that I would be charging a large purchase (2,000.00) and was told that the minimum amount due would be 60.00 which was fine. Well, I have been paying 300.00 a month, well over the minimum due. Always on time. I received my bill this month and the finance charge is 45.00 (27.24%).

I called the customer service to see if they could lower the rate and was advised that even though I am an excellent, long term customer (since 1985), there was a late payment received back in July (sorry the mail didn't get there in time), they could not change the rate and I would have to wait till the end of the year. One late payment and I have to pay this outrageous fee. Oh but they did mention I made double payments the following month in August. I have a credit card with Chase with a higher balance and my rate is 13%. I expressed my displeasure and Tish said there was nothing she could do. It looks like American Express is encouraging customers to drop them. I can't wait to finish this bill and cancel this card. I have to pay three times as much for the minimum payment in order to pay this bill each month.

My husband died in June 2009 and I requested a card in my name and American Express denied a card because they said I had an outstanding balance of over $30,000. We had a family business which was closed in 2001 and we settled with American Express for $30,000 which was to paid after some properties were sold.

The $30,000 was paid to Mr. Walter K A., Esq and he was to send it to the American Express, attorney Raymond M. & Sons, Esq. Bridgewater, NJ 08807. I'm denied credit. I do not care whether I get credit from American Express all I want to do is clear up this matter. This has been going on since July 2009. All I want is a Warrant of Satisfaction that which is to be executed through the county court in which it was not paid.

A client ran $45,000+ on AX card in 02-16-10. AX held the money after talking with the client and confirming it was okay and after receiving copy of our Service Agreement with the client. After the 8th day and no money in my account, I called them and they said they needed copies of each and every handwritten invoice that comprised the total. This was totally unreasonable and represented months' worth of work and numerous itemized invoices for product and interior design services. I've had a merchant account with them for nearly 20 years and closed it today. I am going to get charged $1690.00 for them to screw me, I do not think so!

They held $45,000.00 from me for 8 days and I have asked them to close the account. Actually, I have to go back to my client and request they pay me the $45,000 in some other fashion. I no longer accept AX cards.

I couldn't make this story up if I tried to. After over 5 years of being a loyal card holder with American Express, I am beyond frustration over how my situation was/ is being handled. I moved to Germany a few years ago and notified AMEX. They had my new address on file and contact information. I paid my balance in full every month and these were no small purchases. After a few months, I received a bill in Germany for items I had not authorized. I called AMEX with a dispute and after some weeks, was reassured they were taking the charges off the credit card. I received a "0" balance statement in Germany.

I stopped using the card as many places in Europe don't take AMEX. Nearly 8 mos. later, I receive a statement with the disputed charges put back on the card and interest that had accumulated those 6 mos. Now this was all back in 2007, until today none of my voice messages on their # have been returned. They cancelled the card, kept all my points (a huge amount) and sent the balance to a credit collection company. They informed me this wasn't a matter for them and sent my collection back to AMEX, mind you it was less than $100. I wrote 2 letters, continued calling the 877 number but I was always being routed to India or the Philippines. No offense but their English is minimal to say the least. However, they did calmly try to help me.

Unsuccessful, as they can only type a message into the system and wait for it to reach the US database. At this point, I probably have spent hundreds of dollars on calling as it is not toll-free from Europe. Although, I live in Europe I may want to return home one day and this is now on my credit report. I did some researching on the web for varies telephone numbers to get a native English speaker in the USA. Well, let me tell you when I did, I wish I hadn't. Not only were they rude, but I was placed on hold sometime for 1/2 hr, hung up on and today "Joanna" if that is her real name, told me she was frustrated and had the bold nerves to tell me she was aggravated and kept cutting me off. I was so happy to get someone in the states after trying for 18 months and this was the service I got. I am totally disgusted by AMEX.

I have had an American Express Gold card since 1977. I used the card to rent an Alamo car in Philadelphia. A car sideswiped me in a parking lot and caused almost $3,000 worth of damage. My insurance company paid the claim less the deductible. I turned that amount into AmEx since using the card guarantees any unpaid coverage of your insurance.

The remaining $400+ was denied by AmEx since they claim all deductibles are covered by your own insurance company. I have submitted documents showing that SafeCo in Texas does not cover deductibles. I cannot get AmEx to respond to my letters requesting payment. SafeCo made several attempts to get a response from them, as well. No calls, no letters, no emails. I will make one more attempt and then cancel the card. American Express is not what it used to be!

I had an open line of credit on my Chase Visa of $10,000. Chase sent me a Pormotional balance transfer check offer for 0% for about 12 months for this open credit. I wrote two checks to pay off two credit cards with relatively higher interest rates. Chase upon receipt of the checks decided that they would not honor the checks and returned them to Discover and American Express and closed my account. I was charged return check fees of $38 and $39. Chase has subsequently credited my Chase card for these fees acknowledging that it wasn't my fault.

However, in addition to the returned check fee, American Express also raised my interest rate from 9.4% to 27.24% even though I made the required payment for the sole reason the check was returned. (My account was current). I explained it to the representative at American Express and they refused to return the interest rate back to the 9.4% or lower it in any way. This was all due to Chase\'s inappropriate use of the promotional checks. If they were not going to honor the checks, then why send them? I received another promotional offer in the mail on Friday from Chase for the same account. They have caused financial damage to me credit report and it clearly was not due to my payment history with Chase, American Express or Discover. All my accounts are current. I carefully monitor all my accounts and pay most of them on automatic bill pay. I have subsequently paid off the Discover Card through another source. I will also find a way to pay off the American Express card so as not to incur these dramatically unfair rates, particularly since I have always paid my bills on time over several years.

I am a small business owner. I sold some equipment to a company 4 months ago using their American Express Credit card. The equipment is used in the rehabilitation of sewers. We use the equipment to shoot a resin impregnated sock into a existing pipe. This sock will harden and create a new pipe within the old pipe. So, most of the equipment is a one time use. This company had a large project to do so they purchased our equipment to do it. We trained the company and helped complete some of the project as part of their training. After the company got their money on their contracts they called American express and got a full refund. Now I am out $24,500. I disputed the claim with Amex and sent invoices documentation that the jobs were done the customer was happy etc.. In all I sent almost 30 separate documents. The machine that is used is made in England and custom made. It is not cheap to import it and cannot be returned. American Express pulled the $24,500 out of my account and refuses to credit it back, stating I did not verify the address on my terminal. I brought up the point that we had the address and obviously shipped it to them. So, I will never and advise every small business owner to never take AMEX again. I was also informed that a customer has 18 months to pull money out of your account for any reason. This may put me out of business. Thanks AMEX for helping a guy steal from me. I feel they are an accessory

AMEX Sucks!

I have been an American Express cardholder for almost ten years and have never been late in paying my account. But this month, I was late for just two days and AMEX is charging me $19.00 for late payment and 0.71 cents for finance charge. I had asked for leniency but was denied. I was really disappointed in AMEX not forgiving me this one time and for only two days late payment. I will be avoiding to use my AMEX card from now on. I am retired and legally blind and $19.71 is still a big amount for my wife and I with only one check coming in.

This review comes to you after 3 months of attempts to get things corrected with both my CC company and the United Airlines. During a business trip I was in line at the easy check-in machine. During that experience and while speaking to two of my colleges I was given an opportunity to buy a first class upgrade on my return trip. I was flying from Richmond VA to San Francisco CA. It was two hops to get home, one to Chicago, IL the next back home to San Fran's airport.

The first leg was the shorter trip and the offer was for 145 US dollars, I refused and then the next Upgrade appeared to be 147, for which I thought was for the second longer leg. I accepted the offer. The machine printed my tickets and I immediately looked for my first class ticket. Instead I received a bill for and notice that I had upgraded my miles for an additional 4000 + and it cost me 147 US dollars.

I went to the counter to explain that I had made a mistake and that I wanted my money back. i was told that I couldnt be helped but that here is a number to call. I had some time so I called to find out there is no refund on award miles. How could this be, I am a frequent flyer that already has over 250,000 miles to my name. I tried to escalated only to be treated in a hostile manner and then hung up on. The customer service agent when requesting his ID, told me it was MAN, I hardly believed this to be true.

I called my CC company, Americann Express, that customer service agent told me that it was not in the system so no dispute could be made. I waited patiently for it to appear on my online statement and I disputed it. I called in and explained the above. Later in the month I saw that the dispute was denied, I called again and the American Express person place the dispute again after hearing the tale that you just read. 30 days later I received a notice from AmEx that I would need to place my dispute in writing. I did with 36 hours mailed my written letter to AmEx.

United came back to say that I had used the "Upgrade" on the flight and they would not return the funds. I called back and explained even in the abstract where I did get the miles, with 250,000 in my account, I could easily have used the first 250,00 and not the last 4000 that I was duped into buying.

I have canceled my credit card with AmEx as they did not reach my claim but took United's response at face value. I have ceased to fly UA from this moment forward and think that everyone should be aware of the gouging that United Airlines uses to take money from weary travelers. Now I am flying AA, lets see if their customer service is geared towards the consumer as well as the bottom line.

James Rainboldt 562/420-0022

I sold makeup and skin care for her to resell on eBay. SHe received the goods (89 lbs.) She emailed me that she received the items, and was satisfied, (I have all emails pertaining to thois transaction) She ordered from me two more times, I saved all the shipping and tracking information.

Then on May 1, 2009 she did an illegal chargeback through American Express. They withdrew the full amount from my paypal account and an investigation began. 2 weeks later, I received an email from PayPal that I had won the dispute. I proved my case.

American Express refused to return my money and sided with the buyer. I am out the entire amount she paid me initially, the products (all 89 lbs.) and the cost of shipping. American Express refuses to talk to me, and says my issue is with PayPal, PayPal refuses to make it right.

I filed a police report in Polk County FL. I have documentation that she received the goods and that she was satisfied with her purchase. She will not return my goods or my money. Help please! I had to wait 2 months and three weeks to find out that American Express will not return my money. My only sourse of income is what I sell online.

I received two messages from American Express this morning on my cell phone; one at 8:25 am and a second one at 8:26 am. They are asking that I contact any customer service representative to speak to me about my accounts. When I checked my e-mail, I saw that Amex also sent me an e-mail informing me that they have suspended my spending privileges until I pay a balance of $362.53 on the green card, which is due on 6/25/09 and a balance of $569.33 on the gold card, which is not due on until 7/7/09.

When I contacted Amex, I was told that they will re-instate my spending privileges if I paid both accounts at that moment. I explained that I was willing to pay the $362.53 owed on the green card because that one is due tomorrow. However, the customer service representative informed me that this was not good enough and that it would be better to pay the $569.33 owed on my gold card if I wanted to have my spending privileges reinstated immediately. He further stated that the bill for the gold card was just mailed to me yesterday and I probably won't get it for another 3 days and that although, this bill is not due until 7/7/09. Amex wants me to pay this bill before it's even due!

For the past 4 months, Amex has been harassing me by suspending my spending privileges just before the bill is actually due. I have been paying my bills on time for a very long time. I am very responsible and conscientious about my spending and never go above my means. I have always had excellent credit until Amex has been harassing me with phony holds on my account. I have been an Amex customer since 1990. This is truly outrageous and I'm sure it is illegal that I am being penalized for bills that I'm not even late with paying.

I had cancelled an additional card member's card on 3/14/09 and received documentation from Amex to support that evidence. However, in April and again in May of 2009, they have allowed charges to go through in the amount of $802.77 and recently $402.74 to Hertz Car Rental in the state of Florida. I have managed to get them to credit me the $802.77 three weeks after the posting to my account. However, they will not credit me the $402.74 until further investigation which could take up to 3 months according to their email to me.

They have informed me that they understand it is an invalid card. However, I have to wait until the investigation is over. They refuse to budge even though they have paid it out. My card is now over the limit by $400.00 and it reflects on my credit report. When a charge isn't made on my card and that of an invalid card, I expect to be credited immediately.

This is the third time they posted something on my credit report and I cannot afford to have this happen because I am a single mother with parent plus loans taken out for one of my children every semester. In addition to that, my second child is entering college in the fall and this will hurt me tremendously. My credit is outstanding even though I have balances and it is truly affecting me on an emotional and physical level knowing that they refuse to amend their mistake.

I was a loyal AMEX customer for 15 years making all my payments each month and when I went to make a purchase my card was denied! called American Express and was told my card had been canceled. what? why? for no reason.

When I called AE member services, it provided me a recording of a number to call, the same collection agency I just got off the phone with. I was trying to get AE to get my account back to good standing so that I can pay the balance. They insisted that once it goes to collections, they can't bring it back to member services and that I have to work with the collection agency. AE is such a crooked company who does not give a hoot about the customers.

Now, American Express is charging me $32.51 for a card that I never used more over I tried to return it to Riteaid and I disputed it twice with American Express. The reason I put my merchandises on the credit card to get that kind of protection when I need it otherwise I do not benefit from charging my transaction on a credit card actually cash is much better. Since I received bad treatment from Riteaid and American Express, I stopped dealing with both. I recently cancelled my American Express credit card.

I need American Express to credit my account $32.51 and clear my account which I already closed.

I have been a AMEX cardholder for over 11 years. Let me restate that, I was an AMEX card holder for over 11 years. During this time I did not make my payment in full one time. That one time was the last time I will ever deal with American Express.

My first late fee for not paying the full balance was $29.00. Seemed reasonable enough, so I wrote a sent in a payment, and wrote a second check for the $29. Thirty days go by and I receive my next statement. AMEX charged me a late fee at 45 days for $39, and another late fee at 60 days for another $39. So in one billing cycle I was charged a total of $78 in late fees.

I am a fairly even keel guy, but 2 late fees in one month seemed excessive. I called customer service and spoke to 3 different people who refused to waive just one of the late fees. The higher up the customer service chain I went, the more demeaning they were to me. After getting everything settled it took me about 30 seconds to cancel my AMEX card, my company AMEX card, and my wife's AMEX card. I shared this experience with other family members who have been with AMEX for years and they also cancelled.

This is one of those classic customer service experiences where the big company got the money they wanted from the little guy, but lost a lot of future earnings due to the way they handled things. I recommend that everyone proceed with extreme caution with AMEX. Their business practices are borderline unethical.

I have been a customer of American Express for decades.

I was vacationing with my family in Israel only to find that American Express had cancelled all of the cards I had with the company, including the centurion card.

All of my cards were current, as were all credit cards I hold with all other credit card companies.

Two days later the cards, without any notice whatever, were cancelled again. This time again, a reason, having nothing to do with any amounts due on the cards, was given.

I plan on writing to our U.S. Senators about the company, and will be filing reports with various federal regulatory agencies. I am also setting up websites to boycott the company.

The company should not be permitted to do business. It is a disgrace.

while the windshield installer paid for the windshield, crate and freight.

per month. Each time I disputed this with American Express, Authorized Movers would send a copy of the contract for moving; there is no contract for storage which was the purpose for us being charged. In addition, there is not a statement in the contract that provides that they keep the items for storage when the intention was to move the items. The storage was done without my approval.

American Express is not representing me properly when they did not read the contract in my behalf. This is not what is stated in the contract I had with American Express; they are not acting on my behalf.

, and just discovered by my husband, who takes care of our bills and paying them. Upon checking the web site for this company, I learned that other people have experienced this scam and not signed-up for the service.

We are Senior Citizens with limited income who do not need this so-called service. It was totally unauthorized and a charge we cannot afford, especially since we have received NOTHING in return.

, I told them to cancel the card and close the account and to not allow any charges. Instead AMEX left the card open and then allowed the company to charge my account for six months, even after I told them I was not going to pay for their serivces.

My credit score is bad, AMEX reported me as late pays. Now they can report me as NO PAY as I am not paying for a service I tried to cancel before the due date. Not to mention I contact AMEX to cancel the account personally. I am glad the credit card companies are having a hard economic time. Perhaps they can get a brief veiw of the hardships they have brought to ALL Americans.

for something I never asked for or received. Seems they have the final say in how the dispute ends. And they are saying we're done talking about now I have to pay. This has upset me so much especially in these economic times. I am not working now due to a disability. We have always made our payments in the past on time. I do not feel it is good business practice to add additional items without a person's permission. Please help!

charge on my card.

days. I have proof that I paid this and it was cashed in time. HOW MANY people that pay their bills in full are getting this charge? AND STUCK PAYING IT with no way to dispute it.

I am so upset and angry by this scam American Express is pulling I can't be the only person Month after month= I pay my bill on time- they give me TEN WHOLE days to pay it and I do...only to keep getting this charge. WHAT CAN YOU DO BUT CANCEL your card

time consuming and otherwise unecessary phone calls.

th of december, and yesterday i found out that shortly after my payment, my account was canceled and sent to collections. I called to speak with the last man I spoke with, Mr. Surles but he would not get on the phone so i simply explained to representative that i felt it was a testiment to the company's moral beliefs.

I couldnt believe the man would lie to me and tell me anything he could to make me trust him. I had tried everything i could to work out the debt with them and they were completely unwilling to accept my countless offers. I have recently applied for an officer package throught he navy and my chances now have been sliced in half due to the collections account. The acceptance into the program would have doubled my salary allowing me to pay off any of my debts with american express and thus purchasing a home within the next year.

. In the old days you wouldn't care because you cancelled the card. But these days this has a negative affect on your credit rating. Retaliation for my cancelling? Probably! But they can back up these limit reductions for almost ANY change/condition in your credit rating so what can you do? Put 'em the rearview mirror ASAP. But I now advise to pay off the balance first, then cancel card. That way it's a little more suspect down the line if they try to pull these retalitory antics but, seriously, they can pretty much do as they please.

per cent not saying a word about what the bank is going to make the consumer pay.

does [Amex] make it a practice of withholding funds for no reason. I do not like getting notices from my bank saying that i was overdrawn when i should not have been. the problem has been fixed by my bank , with no thanks to [Amex].

my gas co, check bounced I got a overdraw notice from my bank

yrs. I asked him how that was possible? My statement comes to my current address.

He then informed me that they were a separate company from American Express, American Express Publishing, and that the two would be separate accounts. He said he could find the Elite Traveler account if he had my AMEX account # and I refused to give him that. Then he said I would have to call AMEX and dispute the charge telling them that I'd called and talked with American Express Publishing and they had no record of my account under my last two addresses. I did call AMEX and explained what had happened and they immediately removed the charge and said that I wouldn't receive any future charges on my bill.

No economic or physical damage was done but these sort of underhanded practices should not be allowed and there should be penalties for companies that participate in them.

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. I warned AE not to take any charges from them from industry info I have heard.

But today I learned there was a pending transaction that had not posted and AE will not reverse. They have to post the transaction and then I must disbute. I have been issued a new number but was told that the company can still use this for charges by going thru my old number! If I make a payment they can try to put charges thru. And I will have to make another disbute. THEY ARE OUT OF BUSINESS AND NO ONE ANSWER THE PHONES THAT ARE STILL WORKING. WHAT CAN I DO?

I am told by AE as long as I give someone authority once to use my card, they can put charges thru and it is up to me to dispute them. That this is there policy. How can they do this when my card number is changed and I have reported the fact before it even posted to my account. And how can they charge when I changed my number and they don't have it? HELP

The stress and time I took today is unbearable. And I got nothing done thru AE. I think my nerves and physical health won't be able to take another day of this.

Below you will see my request for a review with AMX Excutive Consumer Realtions that has gone unanswered. Since the letter they miss applied a payment on one account which ultimately was reversed but the damage was done and AMX canceled my ability to pay off the card at a reasonable rate. One they agreed to in January but due to the miss applied payment that privilege was removed. I still pay $1000 a month as a good faith measure until such time I can either be called by AMX or testify to senate sub committee regarding credit card companies pratices. The chargebacks have been drawn out by AMX to no fall out their window of responsibly to reverse them.

I need some clarity and help regarding these two accounts. The AMX Gold 22000 was denied a reversal of unlawful charges to the account. On each and every dispute I initiated you denied the dispute but if you carefully review it you'll see I authorized one charge in June of 2006 via e-mail. I did not authorize any further charges to the account via any means e-mail, voice or in writing. Yet in all returned correspondence from the vendor they attached the one e-mail from June. Which is inaccurate and clever on their part. My chargeback requests thus far have fallen on to deaf ears so I'm asking to have the account carefully reviewed. Regarding the same account I have called and called and as you will see I have had conflicting information from your people. To name a few of the recent ones.

Two weeks ago I talked to someone and told them I did not have the information in front of me and asked that they call back on Tuesday. The call never came . Another person called that Thursday and I told them this and asked what I need to and herein lies a little deception on your agents behalf. I began by explaining that two checks were sent in one for a $1000.00 and one for $193.00. Both were applied to 22000 thus causing a world of problems. Having the $193 applied incorrectly raised a red flag within your organization saying the 51004 is past due. This then caused a cancellation of my authorization to pay off the 22000 account over a period of time.

Where the deception is that I asked what do I need to do bring the account currant while I contact your office. I was told I need to make a payment of $1394.00 and all will be well. Later after I made a payment of $2000 I was told "Oh the account was canceled back in January." Shaking my head I asked how to contact the decision makers with AMX and was given this address. Next a person from your office calling saying the account is in collection for entire amount. I explained the situation in detail only to fall on deaf ears. And was firmly told the account is in collection and nothing can be done until it's paid in full. She went on to say I need to call customer service and dispute the amount (If they will do It) before anything can happen. I have not done that in favor of this letter to resolve the disputes.

Here's the resolve I'm looking for. Do the chargeback to the vendor and allow me to pay off the balance as none of this would have happened had that $193 been applied properly and you have carefully reviewed the chargeback. On another note I have had several merchant accounts over the years and with great success except with my most current accounts with your firm as person of no good reason a person can start a chargeback and I have no recourse. Yet when I have a legitimate complaint the chargeback its refused. I get daily calls from a collection company who in itself is not willing to hear my appeal. AMX does not respond.

in finance charges and I am sure they put this info. on my credit report which is AAA credit and I do not want that on my account.

minutes at a time until they finally have an automated caller come on the line to say that the call has been disconnected.

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years of payments. I do not deserve to be treated this way. Help!

The harassment at home by phone and the constant demanding of information by this outside company is ruining my sleep and general well being. Business is slow enough without constantly worring about who is calling my family.

I've been a customer of AE since 1999. I have both the Starwood card and the Platinum card. Last year I spent $100k with AE. I received a call recently from AE telling me that my account was under review. I recently built a new house and made a substantial purchase from my place of employment (a furniture company). The AE representative told me that I would need to submit a detailed invoice itemizing my purchase and 3 months of bank history records. I was very offended by the representative because he said that my actions are similar to people who are getting ready to file bankruptcy. I immediately paid off the bill (a month before it was due). Initially I thought that AE was just worried that payment would not be made so they suspended the account, but even after I paid off the account a month in advance, the account was still suspended.

Apparently AE is adamant about looking at my bank statements; I don't feel like they have any right to request my bank statements. They were just fine in '07 with me charging $100k, but apparently they're not ok with it in '08. If they feel that an account is a risk, they can always lower the credit line on that account, but to tell me that they want to see my bank records and that my behavior is similar to people that are going bankrupt is just despicable. I wrote AE a lengthy letter stating my dissatisfaction, and they have yet to reply. AE did not even issue the points from my last statement. I will cc AE this letter. Good bye AE, I regret being a loyal customer since 1999. I'm sure there are plenty of other credit card companies willing to accept a $100k customer with a 700+ credit rating.

Last year, I received a pre-approved offer for a credit card from American Express. If the minimum amount due was paid every month, the interest rate was 0% for life. I called in December 2007 to confirm this, and I was told by a customer service representative that this was, in fact, still in effect. As long as I paid the minimum amount due every month by the due date, the interest rate remains at 0%. I am not certain if my inquiry triggered something, but my next statement had a finance charge of $65.59 added to the balance of $7,000. I had been paying $200 every month since I received it, always before the due date. I called the number for customer service and talked to a customer service representative, who told me that the $65.59 was due as the card had a 0% interest offer for one year. I told her this wasn't true, that I had signed up for 0% for life, and I had even confirmed that just a month ago with another customer service representative. She asked if I had anything to prove this or if I had anything from the other customer service representative. Of course, I shred that information regularly in an effort to prevent identity theft; I haven't kept anything that confirms what I know to be true. Had I known that I needed to memorialize the conversation with the customer service representative, I could have written down the date, time, and what name he gave me. However, since they are now lying about the terms of the offer, I can only assume that customer service rep would somehow no longer work there anyway. I told her that I didn't have anything proving that was the agreement, but asked why the customer service rep would have confirmed it just a month ago. She said she would waive the $65.59, but the whole amount would be due in full on the 18th or would be subject to interest.

I was extremely frustrated after the phone call. I absolutely cannot believe they would lie about the terms of the offer. I knew I had seen something on TV recently - Date Line, 20/20, or some news program that talked about this. I can't remember where I saw it, so I got on this website to see if I could find out anything and call them again - this time armed with more information. It has kept me from sleeping well ever since. I applied for a different card by phone right afterwards but haven't heard whether or not I qualify. I will need to find something else so that I can continue to try to get out of debt without paying a lot of interest, and I was doing well until this. I am shocked at American Express - their lack of integrity in changing the terms. This kind of shady business should not be allowed, and the people who allow and/or encourage this at American Express should be embarrassed and ashamed.

I have been paying for credit protection on this credit card in case of an emergency. Last year I lost my job in part because I was sick. I called and emailed American Express about my problem, so they say they will send me paperwork to activate the credit protection plan I have been paying every month. They never send me anything and send me to a collection company--after almost $50.00 they charged me every month for the credit protection, they back up and don't want to pay and are ruining my credit score.

rRuining credit score, mental anguish, depression, divorce.

American express is currently charging cardholders multiple late fees on the same monthly statement. While reviewing an October 2007 statement, I noticed two late fees charged by American express only 14 days apart. The first is labeled their 45-day late fee, and the second a 60-day late fee. Both these fees are in addition to any default interest rate. Surely, this is a usurious practice and constitutes a thinly veiled form of double billing or mail fraud.

"The card that can't be canceled". In September 2007 I left company A, paid all the charges on a corporate Amex Gold card and canceled the card. All known vendors were also contacted and told to remove the card number from their records. Two vendors apparently decided to charge the card anyway, and Amex accepted $700 in charges without contacting me. Four and 1/2 months later they call my home demanding payment and stating that they "can't deny a charge even though the account is closed!" They basically scam consumers by accepting charges from merchants with no card in evidence.

It will cost me untold hours on the phone to clean up their mess and try to extract payment from my former employer to pay this bill. I will warn everyone NEVER to accept an Amex charge card for any reason - work or pleasure.

Four charges on my American Express card appeared for baggage insurance days after we purchased 4 airline tickets. The charges were not authorized by us and were charged by American Express. We were unable to dispute the charges like we could any others. I am concerned when a credit card company can just charge anything they want without asking and then hassle you and make it difficulty to refund you the money.

Account with AMX was closed and charged off. I have credit monitoring accounts with all three credit bureaus and continuously dispute this item. However, the account is never updated. The credit reporting bureau of amx never reported the right amount and always indicated incorrect dates. I have sent numerous correspondence to no avail, when I call I get no help at all. Recently I received an alert from the credit agencies indicating that there is a judgment and or suit I've not been notified of.

I had three American Express cards including a gold card. Up until a certain point, I had made all my payments on time. Unfortunately, things happened as such that I fell behind on my payments. American Express promptly cancelled all three accounts (even though I was only late on one of them). I owed a significant amount of money, which was transferred to a collection agency. I made a payment plan with the agency and paid $640/month until this week when I paid the balance in full. While using the card, I had accumulated nearly 100,000 rewards points, valued at roughly $1,000 with certain merchants or convertible into $333 in cash. Since AMEX cancelled my account, they forfeited all the points on top of charging me several hundred dollars in late fees while I paid off my debt. The fees were also unreasonable, and even though I had two well paid accounts, I have these two accounts reporting on my credit report negatively.

I received a fraudulent charge from Google AdWords on my American Express bill this month. I have never placed an ad with them nor done any business with Google. This also happened last year when a similar charge from Microsoft AdCenter appeared on my American Express bill for a purported advertisement that I certainly never placed.

Last year I ordered a black diary and appointment book set at a reasonable price and received it. Apparently somewhere in that information was a commitment to continue this order the following year at a very high price. I had read the information carefully, as I am always suspicious of these offers, but I don't remember seeing this, however, I no longer have that information. This was over a year ago.

In October I suddenly receive another set for 2007 with a letter explaining that I could return it in 15 days, but it was already almost this time period so I did not have time to return it. I surmised I would receive a charge of around $30.00 on my AMEX, however i just looked at my bill and I have two charges totaling over $50.00 for a set worth maybe $25, at best.

Because this was broken into two separate charges, there could be an error. However, I believe that this was a purposeful way to deceive a cardmember into going along with this deception.

Fraud I was an American Express Cardholder until today. For the past 4 months March-June I have a charge every month for $49.90 for the following: Fusion Telekom 1-800-254-1384 Fusion Talk 8003197220 -Misc & Specialty Retail Stores Roc No. 0000105617 I have contacted American Express by phone three times with the last time today. I reported this as fraud and was given a fraud # 537464751 and was assured that this would be credited back to my account because of an agreement they had with the merchant. I was also told this would be stopped. I explained each time I called that I had not given authorization for this charge and hadn't any knowledge of the company.

When I called again today I requested a Supervisor and was transferred to a Team Leader named Jackie and then asked for a Supervisor Mrs. Moore - they were both in Customer Service. I was informed by both employees that they could not stop the automatic billing even if I canceled the card that I would need to contact the merchant directly. I advised both of them that this was fraud, and I had tried to call the # several times to Fusion Telekom and only received some kind of recording and you can't leave a message. Mrs. Moore stated even with the card canceled then the automatic billing would continue and I would have to dispute each month. She didn't understand when I tried to explain that if my card was stolen and someone was using it fraudulently and I reported this - those charges would not be allowed.

I asked why when I had a confirmed case of fraud, American Express has credited my account for three months previously and I was canceling my card, why would the charges be allowed to continue and I would have to dispute every month? I explained to Mrs. Moore that I had researched this company and believed this was a telemarketer associated with American Express and I doubted that the Federal and State Laws would allow this to happen. I expressed again to Mrs. Moore to cancel my card and that I would be contacting the Attorney General (according to my card agreement this is to be in Utah), and the Better Business Bureau. She wouldn't offer further help and articulated that American Express has credited my account every month after I called in to dispute. She stated again I would have to contact the original merchant to get the automatic billing stopped. Without doing so the charges would continue to be allowed on my cancelled call and I would continue to be held accountable.

We complained that AEX should hold the disputed fee in abeyance until an opinion is rendered by the AG for New Jersey. We contend the type of fraud we are complaining about is prevelant in the mortage Industry in the State of NJ. Our dispute involved a re-finance mortgage application fee collected by the Broker who clearly told us the fee was refundable at closing.

The Broker further represented to us that our closing costs would be around $3500, which clearly states in their advertising there are no other fees other than the prepaid items. The problem ensued with the broker coming back with $6000 in closing costs. We refused to go through with the process, and the broker refused to refund our application fee. We have excellent credit, employment, etc. We were expecting the lowest rate and costs. Fortunately we were able to secure the mortgage through another concern at 5%, for 15 years with $2900. in closing costs.

AEX is compounding the problem by ignoring our consumer fraud claims and is siding with the merchant. Ms. Spencer also claims that letters to her superiors will be refered back to her, and that my efforts would be fruitless.

We feel completely victimized by the Mortgage Broker, and that AEX has added to the problems in further humiliating us, when they should be trying to protect us, but have instead favored the merchant, in spite of the documentation that has been provided.

My most recent American Express bill arrived with a charge of $43.00 for a subscription to Travel and Leisure magazine. I currently subscribe to the magazine but never intended to renew it. I called Amex to report an unauthorized renewal to Travel and Leisure. I could barely understand Rahva and needed to have her repeat everything at least 3 times. She said that Amex records showed no Travel and Leisure, only something called NSS and she would give me the 800 number and stated that I must speak to them. My bill clearly read TVL and Leisure and also contained the same 800 number.

I called the number and was subjected to the usual recording of options. After 5 to 6 minutes of their "have no record of your account" "have no record of this charge" I finally reached a person. I was informed that I had reached NSS, a subscription service, and that by not responding to a postcard sent several months ago, I was automatically renewing my subscription. I said the charge was unauthorized, cancel the subscription and it all sounded like a scam. I then called Amex to tell them about the lack of help from Rahva and the unauthorized renewal and to cancel the charge. I was assured that Amex would contact NSS and the charge would be removed.

I then checked to see who the publisher of Travel and Leisure is and lo and behold, Travel and Leisure is a magazine from the publishing division of American Express. This sounds like a scam. Is negative response illegal and if it isn't, it should be.

My husband ordered a computer by phone from Global Computer Systems with the stipulation that we receive it the next day. A few days later we cancelled with a manager after finding out the computer wasn't even in stock. We left the country and a week later Global charged our American Express Card Card and sent the computer. An unauthorized person in our building signed for it. As soon as we found out, we contacted American Express.

We called Global asking them to pick up the computer. Almost six months later they sent Airbourne to retrieve it and claimed they never got it. American Express has denied all our claims of fraud and attached our credit report. Hardly the kind of service one would expect. They claim that even though we were charged for a computer we both cancelled, did not accept and subsequently returned that we are responsible.

Anne should sue American Express in Small Claims Court and she should file a complaint against Global with the Federal Trade Commission.

I respectfully request that you consider a transaction dispute claim that I originally filed with American Express Customer Service on June 27, 2001. The transaction in dispute was for software licenses I purchased over the Internet from BuymoreProducts.com on March 1, 2001. The portion of the disputed transaction that was charged to my Corporate American Express account is $31,400.

In March 2001 I attempted to purchase for my company Microsoft SQL Server Licenses and software. BuymoreProducts.com shipped me a copy of the software but never completed the issuance of valid Microsoft software licenses. I attempted to resolve the problem with BuymoreProducts.com directly for over 3 months. The vendor would not return either my voicemails or my emails.

In August 2001 I sought the help of American Express to help resolve the problem or at least prompt a response from the vendor. The vendor responses that American Express Customer Service received were incomplete or inaccurate. I pointed this out to American Express on numerous occasions. The vendor either gave the same response or eventually gave no response.

By January 2002 it was becoming clear that the vendor was effectively out of business. The months of correspondence with American Express Customer Service and their mishandling of a dispute with an obviously disreputable and now bankrupt vendor has limited my options for resolving this matter. To add insult to injury, the last correspondence from American Express Customer Service dated May 7, 2002 states: Under normal circumstances, we would be able to contact Buymore Products Inc. on your behalf. However, due to the time that has elapsed since the charge(s) were incurred, we regret that we are unable to do so.

I have only sought since the beginning of this process is to be made whole. I made honest attempts with the vendor to resolve the issues. I was diligent and thorough in my follow up with American Express Customer Service. In spite of all this I am now left with a bill for $31,400, I dont have the software I sought to purchase in the first place and I have no recourse with a now bankrupt vendor.

Jill should retain legal counsel. In fact, she should have done so as soon as problems arose.

I bid on some items that were offered in an auction in December of 2001. As of this date I have not received the items and when Amex was called they contacted the merchant, the merchant said that the company was not responsible as it was a non-profit entity. I never received any of the goods or services from this auction, there promises were misleading and never fulfilled. Amex continues to pursue this as an unpaid debt. I have tried to tell them that this was never received and there were two items involved of which I did not receive either. The amount is in excess of $7700.00.

They are now trying to collect this money for literally air, I never received this nor have they made any attempt to rectify this, it is creating great emotional distress and could resullt in a economic hardship as well as casting a red mark on my perfect credit.

1/27/01 I placed an order for a computer system. I used an American Express "blue" card of my husbands. 3/11/01 I cancelled the order because I never rec'd it and American Express was now billed and expecting pmt. I called American Express and put in dispute. 3/23/01 The company I order the computer system from filed Chapter 11. 4/13/01 American Express told me that while the charge was in dispute, I didn't have to pay, but basically, putting the charge on their American Express card afforded me no protection.

The lady told me if they did not get the money from Video Computer Store (Computer Personalities) they would be coming to me for it. So why did I think that American Express had Buyers Protecton/and Assurance plans ... oh, that would be all the advertizing they do.

Received a totally negative response from AMEX regarding a disputed
amount of $7507.10 From what I could tell there was no effort on

AMEX part to investigate the claim I made.

They sent me another form letter saying they would re-investigate.It
seems to be impossible to speak with the person who wrote the

letter.