American Express Platinum Card

I have been with American Express, card member from 2006. I have always paid my account. on time and have never been late. I chose to pay off my account to not have to pay interest and keep my credit in good standing. I paid the balance and the residual interest that was tagged on to the balance. The day I paid everything, Jan. 28th 2012, they canceled my card.

I called them and they said it was based on a January credit report. But they did nothing to my account or send out a letter stating they may cancel my account. American Express told me over the recorded conversation on the two days (01-26-12 and 1-28-12), I made payments to them that I was a great member and how great I was for making the payments.

I think their policy for canceling a member should be in question. Would I have been canceled if I had only paid half the balance? Paying off my balance should not be a reason to cancel my membership. They owe me money from a rebate and a credit. They misinformed me on my balance amount. They have also compromised my credit profile. I would like to bring this action to the attention of consumer affairs.

I live in New Mexico. I went to my mailbox today and I received a letter from and unknown address in Boca Raton FL. I opened the letter to find a duplicate copy of my American Express statement. Along with the statement was a form letter from American Express stating that my "requested" statement copies were enclosed. Also that my account "as been billed for the service..."Thank you again for your business". The letter was addressed to an address in Massachusetts. The gentleman that sent the the statement to me from Boca Raton FL. The gentleman sent a note with my statement "Dear John, I received this statement in a separate AmeX envelope. I am a platinum member... "

I called American Express. After the warm reception from the first rep, I was forwarded to some one in security and immediately told "I am recording this call for training purposes." I explained what happened... again. He stated that in order to research my account, he would have to call me back at the number associated with my account (I asked why wasn't this done with the person who requested a statement on my account be sent to a different address?) No response other than to ask for my phone number.

I told him to look it up in my records. 10 minutes later, I got a return phone call. He immediately wanted to issue me a new card. I stated that I would first like to be told how this happened. His first response "statements are only sent to the billing address" my billing address isn't MA nor had it been changed. His second response was the same but unless the verified card holder requests that it be sent to a separate address. His next response was that someone posing as me whom had my personal information requested the statement be sent to the alternate address.

When asked, he could not find the request that it was sent to. I asked him "why would someone, as you are assuming, steal my personal information, call American Express, and send my statement to another American Express cardholder? " Silence... his response "you have a point". To shorten this saga, he does some research, doesn't find anything nor will he tell me how it was sent out or why they don't have any documentation as to where it was sent. Their system showed the billing address. I asked for assurances that he had resolved the problem and requested that he send a letter stated what he had done to resolve the problem. Immediate refusal, "we cannot send any documentation". Keep in mind he recorded the entire hour long conversation. We argued, I requested his supervisor.

After 10 minutes on hold "This is Katlan... what seems to be your problem?" We continued the argument to the same avail not only would she not send out any documentation stating the problem was resolved and how, she wouldn't even provide her full name or an employee number for me to reference should this problem persist or get worse. I ended the argument by requesting yet another supervisor. I got a customer service supervisor who proceeded to go through the entire scenario again and told me directly "your records show a request for a duplicate statement but they do not show where that statement was sent so it must have gone to your billing address." When I assured her that this was not the case, her response "I don't know."

Recorded conversations (for training purposes). No documentation provided to the customer when errors occur. No names for me to even accurately document whom I was speaking with. And should the problem persist, the only one with any documentation (other than this complaint) is American Express, the one who created the problem in the first place.

A word of warning for those of you that are excited about the option to transfer point to Aeroplan/Air Canada. I have been a long time card user and just transferred the advertised 60,000 Amex Rewards point to Aeroplan. Nowhere did it suggest that the taxes/fees that Aeroplan charges are any different than what Delta or other airlines charge.

Unfortunately, the fee for the flight, a $1200 flight, to be paid with 60,000 miles was $643! Normally, fees with Delta through their miles programs are around $100 for this flight (a flight to Argentina from Boston). And now, I am stuck and can't get the miles back. Working with American Express, they have told me they can do nothing about it. Aeroplan says the same. But I feel I should be compensated by Amex somehow as there was no warning or information to suggest that the fees would be any different. I am about to give up and stop using my Amex. Unfortunate, because I am a very active user who has been using it for 20 years and feel it is a good value.

I get it, too. Nothing makes me madder than when a flight is cancelled or delayed and I call Amex for help, and am told "I'm sorry, you booked that online (amex.com); I can't help you." Can someone explain why I pay the Platinum fee for this service? I recently got the Ritz Carlton Visa Signature. When I call the concierge, I get a human, not a menu prompt. They call me by name and fix the problem.

I have been a member of AmEx for over 10 years. I have always paid my dues in full at the end of each month. Although I made all necessary payment arrangements online, I was told that I need to tell them why I am late. This was the most embarrassing phone call made, while I was in public. That is so rude! I want to cancel my card! Why allow online payment arrangements, if they want to call you, and talk down to you? Maybe AmEx should join the Mafia!

I called AmEx to cancel my card of 32 years today. I explained I was finding mistakes like double billing, interest being charged, and currency exchange fees. When they said because my home now is in Costa Rica, there would be no charge. The final straw was a notice that I was paying late and they would report this to the credit bureau. I do not pay late! I also had some damaged goods in shipping that AmEx said they would pay but never did. I don't know what has changed with AmEx. I talked with a supervisor that said no problem we will cancel your card today. No response to the issues of being charged twice for an item, or any of the other problems. I also was not given the choice of redeeming my points. It simply did not make any difference to Mr. R. I felt like I had lost a long time friend.

I live in Tokyo around 200 days per year. I was ready to make a large purchase for a Christmas present, so I went to the AmEx website to key in the amount, and got approval. When I went to the store to purchase the gift, it was denied as part of fraud prevention. I called the number at the back of the card, and was told I would have to talk to the "financial review" department, but I was told they were not open. I would have to call back during normal business hours. **?

I have been am AmEx customer for over 27 years. I have never been so embarrassed or humiliated in my life. I get the security aspect of protecting the card, but if they are denying the purchase because of potential fraud, then answer the ** phone. Don't tell me, I have to call back when they are open. In other words, I can only be confident that I can purchase goods when AmEx is open? I am livid! 27 years of loyalty down the drain.

I have a problem with American Express as one of their elite 'black card' customers paying over $2,000 a year just for the privilege and a member for over 10 years. I find their customer service offensive relating to a recent issue. After being alerted by Amex that my account privacy may have been infringed, I was being passed around their customer service team which cared little about the issue above. I was told to email an address called spoof@americanexpress.com. When I asked what resolution that provides, all I got is someone will look into it. That's ridiculous! How can I trust Amex with a serious problem when one is asked to send emails to a nameless email? Who knows who reads this?

Furthermore, American Express, Ken I Chenault CEO, think for a second. Don't you think it is insulting when you have to speak with someone with full access to your account details and who does not even want to provide their name and contact number apart from some other toll free 1-800 number? That's great. I have no way of following up with a complaint. Good job by customer service, right? When I asked to speak to a manager, I was just handily passed from one clueless 'customer service operator' to another. It strikes me that there is little overview of complaints at Amex. All gets bounced around their customer service phone numbers. As last resort, I asked for someone with a name to call me back and was told that a 'manager' may call me in half hour. I got no call back! Is this typical bank supervision, look away when there is an issue? I have no choice but to complain asides to BBB as I explained to a wonderfully nice, useless lady from Amex whom I spoke with on the phone. It's outrageous!

On Saturday, November 26, 2011, I used my American Express card at a local business in Charlestown, RI (Simple Pleasures), in conjunction with the promotion Small Business Saturday. I was under the impression that I would receive a $25.00 credit on my American Express account, when using my card for purchases at participating businesses. However, when I went online to register to receive my $25.00 credit, I was disappointed. First, the site was extremely difficult to navigate.

After spending in excess of 45 minutes trying to register for my credit, I finally called the credit card company, and was told that only 200,000 people were allotted this credit, and that you had to register before November 26th, to even be eligible. Nowhere in the advertising for this promotion was that ever revealed! I fully want to support my local businesses, and I feel that this is a great way to do that, but felt that the way American Express promoted this, was unclear and unfair. I would like to see $25.00 credited to my account as good faith on the part of American Express, but when I called them they told me there was nothing they could do for me.

My husband and I both hold AmEx Platinum cards and my husband has a Delta Skymiles Platinum card. I applied and paid the upgrade fee for a Delta Skymiles card to receive 5,000 Delta MQM's and AmEx will not grant them. Despite several calls, they will not grant this simple gesture that we have earned.

In June 2011, I attempted to redeem my "Free Travel Companion Certificate" for a flight in March 2012 (nine months in advance to flying). I was advised that no seats were available. I have only been able to use this "Free Travel Companion Certificate" once out of three years. How far in advance of flying does one need to make reservations in order to use this "benefit" of the costly Platinum Card?

Do not open any American Express card! Warning! I had closed my account and cut up my card. For the last 3 months, I have asked for my own account number. I can give them my social security number and mother's maiden name but they will not give me my account number.

They state they cannot give me my account number but I can always call to make a payment. They said they would send me out an old statement but I have never received a statement. I call for it, retell the story and still nothing but hang-ups and apologies.

This has caused more problems than you can imagine. Just save yourselves and stick with CITI. I will never open an AMEX again.

I upgraded my gold to platinum. I am sorry I did. They promised me airline vouchers, which never happened. They promised airline pres club membership, which did not happen. I guess I just wasted hundreds of dollars this year. I will cancel prior to next.

They removed my flex option retroactively, without properly informing me of this action. They said it is their right to do so whenever they decide to do so. Also, they took out from my bank account the full amount due without my permission. I agreed to pay the minimum amount, but they decided to take out the full amount with auto-pay. Never again will I use nor accept AE in my businesses.

American Express retroactively cancelled my flex program and charges on my Amex platinum card without notice in breach of the cardholder agreement. This caused financial losses.

I had a American Express Platinum and two business accounts with them. I sold one of the businesses and called to ask if I needed to change the account name to which the response was no. I continued to work for the company as an agent and paid all my cards on time, never missing a payment. American Express, with no explanation, canceled all my cards and took over 100,000.00 earned points away from me saying I was no longer the owner, so they could cancel the cards. I explained that because I still worked there and was given a card which my payments were made by me on time. How could they do that?

They said that the could and because it was now a closed account, they could take the points as well. When I received my bills, they said closed by the customer. I called to ask them why it said that, they explained that it was better for my credit if it said that, so just leave it be. Now just recently I made a payment over the phone and they took it out of my checking account with my daughter who is not on the account as the remitter. I know they are trying to make her responsible, some how, if I do not pay.

They raised my rate and when asked, they said that all the rates were changed and there is nothing they can do about it. I have paid two of the accounts off but the last now is due to the increase. Even if I pay the monthly payment, my balance goes up by $200.00 and some dollars a month. This company is doing what ever they want to do with no consequences for their actions. I said I was going to get an attorney and they laughed at me like, Good luck, we do not care.

I have, today, received my Statement of Account. Charging date, July 01,2010. I have had a Credit Balance for several months as noted on this statement $59.33. Then why am I charged .46 cents of 'interest due'. I have never carried a purchase balance as I have always paid the full amount owing, using my Internet method of payment. I would appreciate an explanation of this interest charge.

I have this past week used my American Express card for several purchases both at Costco and The Bay. I know exactly what my invoices total but until this above question is answered, I am reluctant to pay for these purchases before they are actually due. Thank you for your attention to this request.

To put it simply, after being an American Express card holder for more than 14/yrs, in excellent standing, I was denied a card. It matters not what their reasons are; what does matter is that if they included in their approval process a review of currently, ongoing active customers, they would see that we have perfect credit. Of course, I was insulted, prompting me to collect a report from Experian. "Never late" was on all accounts!

I have been an American Express Card holder since 1988. I had three cards until the spring of this year: specialty card, Gold Card & Platinum Card. I had two incidents with delayed (not late) payments this year one resulting from the brokerage company from which the payment automatically comes out, held funds (which was a new policy) which I'd deposited via bank transfer, causing the AMEX payment not to go through on the bill date. The brokerage company verified that the money was in the account and released the payment when I called. The second incident was with the same account where the money had not transferred but was transferred to the account and paid the same day I was notified of the delay.

American Express sent me an e-mail one morning stating that they were cancelling my cards. I called to find out what was going on and as stated above made sure all payments were made. I asked that the accounts remain open and they stated no due to my not having the money to pay the account. No discussion was entertained. They acknowledged that neither payment from the automatic withdrawal was late because it comes out of the account on the 1st day of the bill and they acknowledged that I don't even get an e-mail or hard copy of the bill or the amount. They acknowledged that I'd never paid late. Yet, they said my credit report and payment history caused the closing.

I told them I assumed they didn't want my business and they might as well not accept my $495 as a platinum member. The operator, to my surprise ,said that she would refund my platinum card fee and close the account, then she asked is there anything else. Shocked I said I'll call back and hung up the phone. I called back that day and asked for a supervisor. Basically I was given the run around. I told them I didn't want the Platinum Card cancelled because I had some recurring payments, utilized the Regus office deal and had over 170,000 membership miles. They said that they had closed the account and there was nothing they could do. I checked my credit report and it was excellent and I have a high credit score.

I have purchased an airline ticket from American Express Platinum Travel since my grandfather in another country passed away and needed to get a ticket right away. I received a phone call right before 7 am, and all the flight going to my grandfathers' are in the morning, so I really had to be in rush. They knew that I was traveling because of this family emergency and also they knew that I had no choice. The cheapest flight ticket they could offer was over $2,600 from Los Angeles to Tokyo, coach fare! They said if I didn't want it, they also have one for $6,500. I simply could not believe it but I really had to travel so I took it.

After the fact, I discovered that the same ticket was sold at another company for $680. I have no idea where this difference came from. I was not even offered the free upgrade that American Express platinum always is telling us as one of the benefits. I called the platinum concierge, and sent an e-mail requesting to contact me regarding this matter, but there was no reply from them at all. I know that they call back right away if this was general platinum service request for restaurant reservation, etc. I have no idea what the platinum service annual fee is for, and I don't know what I can do in this situation. I mean, $2,000 difference is a tremendous deal. And, not only the money, but also this Amex platinum ruined the memory of my grandfather's ceremony. Whenever I think of it, I get this very mixed feeling of loss and anger. This is totally a ripoff, and, very unethical. Please let me know if anyone could help me.

To begin with, I charge $10,000 plus per month on my AmEx Platinum card. I had a $20,000 limit forever and then my bookkeeper failed to send the payment in by the due date a few times in 2009 thus starting all my problems in the fall of 2009. I was traveling in Europe (25 days) at the time and my card kept getting "declined" every five days. Before I left the US, the card had a zero balance on it. When I called them, they demanded full payment which was slightly over $4,500. What they did was reduce my limit from $20,000 to $4,500 without any explanation. I explained to them I was on vacation and needed my card! I got absolutely no service.

So every five days, I had no choice but to make a payment over the phone. It was extremely embarrassing having my card declined while dining out at 5-star restaurants. Having had an AmEx Platinum card for 35 years and having run several million dollars through this account and paying the entire bill always 100% in full, my card was canceled in early Jan of this year. When I inquired as to why, they first told me that I had cancelled it, which is false! Then they told me since it was already canceled, there was absolutely nothing they could do about it and I would have to re-apply for a brand new card and account.

When I tried to do this, they said unfortunately, your application has been denied due to a low credit score! I tried calling over a dozen times to speak to a supervisor and every time, I was given misleading and different answers to my questions about re-instating my account and having access to my reward points. Knowing this was going to become a major hurdle, I immediately wrote a letter requesting AmEx to release the points, as I was told to do by a membership rewards agent in charge.

She said I had 90 days from the date my card was canceled to get either a new card to transfer these points to or write a letter requesting them to release and give me access to the points. My hard earned and paid for membership reward points totaling 288,000. She assured me that I had nothing to worry about that this was routine and she sees this all the time. She said once I received the letter with a bar code on it, to fax it over to her department and the points would be available for me to do with whatever.

On March 2nd nearly a month later, I called back to see if the letter I wrote was received and they have no record of it. A three-way call was set up between AmEx card cervices and membership rewards. Both agents told me that since my account was closed, I have lost my reward points entirely and that the 90-day deadline did not apply! I feel like AmEx has given me the runaround for two months now. I am extremely disappointed and feel ripped off. Bottom line is I paid for and earned these points and do not feel AmEx has the right to steal them from me when I haven't done anything wrong. I have been loyal to them. It's one thing to not pay your bill but I have never neglected not to pay it. Canceling my card because they think they aren't going to get paid? For what? I never have a forwarding balance, it's always paid in full.

I have been a Platinum card member since 1984, with an average spending of $100K/year. I am a CEO of a small company, but was forced into bankruptcy by end of 2009. We had a $9,000 balance, made $1,000 payments even without current salary/job. I did not make a payment in January, but made a $500 payment in February. I arranged a repayment plan directly with AMEX Credit with specific payment schedule. A few days later, I was placed with Credit Collection Agency URS, had to endure frequent, harassing phone calls at all times. AMEX refuses to talk as the company policy disallows discussing accounts transferred, even though I believe there was miscommunication.

This humiliating treatment after 26 years of loyal service with every intent to settle my balance of $4,500 in full in a timely manner. I have a job now and in a position to handle, but AMEX has given me the boot anyway. This is outrageous customer service and deserves legal retribution if it was not so pathetic and ultimately petty by AMEX. I wish there would be a class-action lawsuit for failure to uphold the agreement made with customers to remain in good standing.

I received an offer in the mail stating that I was pre-approved for an American Express Gold Card. According to the offer I received, all I needed to do was to spend $500 on my card and I would receive 50,000 reward points from American Express, the equivalent of two airline tickets.

I applied for the card using the RSVP code provided in the letter and was immediately accepted. Since receiving the credit card, I have more than exceeded the criteria for receiving the points and have waited the 6 to 8 weeks necessary to apply the points. After calling Customer Service four times and being told each time that the points would be applied, I got a call today telling me that the Membership Rewards Department denied my points because they need to see the letter that I received in the mail three months ago! Apparently, they don't have the offer code on record, they don't attach the offer codes to the account, and keep no record of the promises that they make in these pre-approved offers.

I thought American Express was a trustworthy company and I have used their card and paid my bills on time. This is the thanks that I get? Where I come from, that's called Bait and Switch. I was lured into applying for the card under false pretenses and I'm pretty sure that's illegal. Shame on you, American Express! I will never use this company for anything ever again. There are no damages other than I lost faith in what I thought was a good company. I have spent money on this card thinking that I would get something in return - over $4000.

Ok, lets try this again. I have been an AMX member since 1989. Today I called to cancel one of my cards. I had two because I travel extensively and have had the magnetic strip damaged going through airport security. My issue is that on my Delta card I had $14,000 in credit, and $10,000 on my Hilton card. I cancelled the Delta and asked for a $4000 increase on the Hilton card. This was denied by Devika in India. I don't understand why and she refused any help. It was very rude since I have been loyal since 1989, don't you think?

So what this means is that I have lost $14,000 in credit. I normally charge around 4k per month and have paid the balance in full each month. I now understand why so many merchants don't accept AMX. Mr. Alfred K, President of AMX, needs to get in the trenches and out of the clouds to get this once great company back the way Buffett, Well, and Fargo originally set it up or their 27% share of the credit market will diminish. Outsourcing their customer service to India may have saved them money in the short term, but I predict that that will come back to bite them in the butt. The CSR's in India do not have the compassion and don't understand loyalty.

i have been a platnium american express member since 1985 i have paid 450.00 a year this year they took away my siogn and travel because of the times i have never been late and always used my card properly this morning i received an email stating that i could not use my card until i paid me balance of 1875.00 for the month i called them and said that i did not even receive my bill yet but they said i could make this payment now over the phone i was floored i will not make a payment until it is die which id jan 1 2010 and i cant put anything else on thne card for xmas the said that me spening was high this month i have had the card since 1982 i have never been late once and have paid a fee of 450.00 to carry a card with no preset limit this is a true rip of the people who werte stupid enough to have thios card such as myself i an also a small business owner and now do not accept american express in my store shame on american express this is a rotton way to do business

Since 2003 I've been a platnium American Express Customer, never late, paid on time, etc.

I've never utilized the concierge program but pays for it each year as part of my annual fees.

This year while making an effort to book a trip to Euro Disney I was passed around from Concierge, Tours, and the Travel Department.

I should not be required to book my own trip if that is not my intent and be afforded the courtesy of the concierge service for which I've paid for since 2003 but never utilized.

Absolutely disappointed.

I have been an excellent customer for more than three years, when I received a letter from AMEX stating that my credit limit was cut because if the bad economy. I stated that I have faithfully made payments on time in amounts at least triple or quadruple the min payments required. I was told there was nothing that could be done and that I'd have to pay at least $4K before my credit limit would be restored. This was a "courtesy" deal offered by AMEX, the rep said. It sounds more like extortion to me. I was flabbergasted since I told this payment would have to be made within the week to restore my account.

To make matters worse I was planning a trip for Christmas and told that in order to use the companion ticket (which I have paid $150 for annually) I would have to use the AMEX card, which was no longer offering me credit. Cant buy the tickets now for me and spouse to travel for Xmas even though AMEX charged me and a customer service supervisor named Rob in Toronto refused to reimburse me for. My suspicion is that AMEX discovered I had lost my job, and thus considered me a risk. My balances and payments have been the same.

To my amazement I was informed that I no longer have the privilege of using the credit card. I asked why and was told that several issues on my credit report yielded that I was a risk and also because my payment was behind.

Please allow me to explain the sequence of events that led your company to dismiss a loyal card holder for 24 years. Former residence on file at AX. Moved out of this residence early September 2009. Mail is forwarded to the new address. I did not change the address with AX until October 2009. Bills were forwarded late to the new residence. Call AX and pay online late charges on October 20, 2009. Explain the late payment reason (recently moved). Provided the new address and asked for a change.

Reviewed the bill with representative. Discover discrepancy. Initiate an inquiry. Informed that all was fine and that I would receive a credit and a letter confirming the inquiry request. October 31, 2009 try to use the platinum card, denied. Call AX and told bad credit, late payment was the reason.

The following is the part where a complaint is lodged against [Amex] representative. I was transferred to a service representative that was rude, had absolutely no customer service skills. Jazmin--AX Representative. She explained to me that there were many inquiries on my credit report, and that I had been behind on my AX card. I explained the moving issue, I explained that I had paid on October 20, 2009. I explained that were no issues and the accounts were up to date. She said that there was nothing she could do for me. The account was closed period.

She asked me if I wanted to retry opening and I said of course, she returned immediately and said it was disapproved and that I would be charged $25.00. By then I gave up, I was not getting anywhere except aggravated and more upset. What happens next is that I become concerned that maybe there had been issues on my credit report that I was not aware of, so I requested my report. Reviewed it verified all is well, credit rating 746, all is fine.

So what made AX decide to end our business relationship? How is it that no one called me to alert me there was a problem? I verified the email on file and it was good.

This is who I am, Retired Command Sergeant Major 27 years US Army ending 1 October 2004. Senior Executive Manager Federal Emergency Management Agency, GS 14. Working for FEMA in present capacity as Branch Chief, Congressional Liaison since August 2008.
I have only one credit card until October 31, 2009. American Express Platinum. I earned $118,000.00 a year with the federal government. I receive army retirement annuity $3,000.00 monthly. I own my home, never a blemish on my credit history.

I shall provide [them] with my credit report. Copies of the statement envelopes attesting that the mail was forwarded.

I have been an American Express Platinum card holder for twenty years!I've charged several thousands of dollars at a time and never missed a payment. Within the last few months I decided to short sell a rental property. Unable to keep it rented because the city is unable to rid the neighborhood of drug dealers. Anyway I'm sure AMEX has seen the unpaid mortgage but that has NEVER affected my ability to pay them. I even payed them more this past month than what was due!

Two nights ago I was out with some friends having dinner and while paying the bill my card came back "declined". I called AMEX and they said they canceled my account. They said due to recent negative activity in my credit report. I explained about the property and it would not be an issue paying them now or in the future. They did not care and very coldly ended the call. I tried to email them but when I logged in to my account,you have to do this in order to send and email, the system would not even let me write a message!

AMEX is without a doubt the most unprofessional company that I have ever dealt with.

I am an AMEX Platinum card holder for more than 10 years... I suggest to American Express Int'l to cancel the license they gave to BRADESCO to use their brands because they are ruining AMEX reputation in Brazil.

where we did stay.

claims that there is not such evidence.

would not be booking through PTS.

ending

I had an American Express - Platinum Card and my credit limit was around 35,000. I was paying off my balance each month because I used it for business and I was working alot. I had the card since 2000. Last year was hard for me, so I built up a balance of about $15K. I noticed that my credit limit dropped to $25K, then to $20K and my IR increased to over 18%. I contacted them, but they stated they couldn't help because of debt-to-income ratios or high balances on other credit cards. No customer service or focus. I have never been late or missed a payment for 8 years. My payments double from $280 to about $450 and I could tell they were watching my spending. They even started calling me to verify purchases that were made. In Nov 2008, my days were cut and I was only working part time. I didn't have the money to pay all my bills, so I decided to "stop" paying them - mainly because of how I was treated and because I know they affected my credit score and other credit card companies followed them with dropping my Line if Credit. They obviously sold off my credit credit debt and one of their debt collectors called my job - so I will fight them and they will be last creditor I pay on the list!

I've been a AMEX cardholder for 2+ years, never a late payment, always paid double the minimum, and I have never missed a payment. Two months ago I got a letter that they were dropping my limit from $5k to $1,500 and at the time there was an $800 balance on the card. Today I logged in to pay my monthly payment and found that they have closed my account, so I called in and they gave the usual reasons, "balance too high, too many accounts, etc." My credit score is over 720 and I have never had any problems before. What a horrible way to treat responsible customers!

I have been a platinum Amex card member since 1999. I have a total of 15 years credit history (including other card lenders) and have never, ever been late on a single payment in my entire life. My Amex card had a 30,000 limit on it and I had a balance of 9900.00. Out of the blue, Amex lowered my available credit to 10,000. They also sent out a statement that they are raising my interest rate by 6%.

I called and spoke to a manager who told me that they lowered it because for several months I'd only been paying slightly above minimum payment each month. I told them that I'd been traveling extensively overseas and that my accountant had been paying my monthly bills.

I asked them to please look at last years payment history and they could see that I'd been paying my card off nearly every month. They said that I could appeal this decision by sending in information about all my liquid assets. I considered doing this but after reading all of these other complaints online, I'm afraid it is some scheme or trick AMEX is trying to pull. The consequence of them lowering my limit is that my FICO score with all three agencies, experian, transunion and equifax dropped approximately 100 points from close to 800 to around 700.

I'm client of American Express Cards since 2004.

It was great, but unfortunelly, in 2006 the operations of the AMEX in Brazil were bought by Bradesco Bank.

Later the AMEX clients having been treated not as an AMEX client, but as an Bradesco client.

You will understand what this means when I tell you this:

Three months ago they offered the American Express Platinun Card.

When for the first time I tried to use the Platinum Card to buy one sandwich in Mac Donald's the charge was refused.

Another time I tried to link the card to my paypal account, and the charge of 1.95 USD was refused.

I contacted the costumer service again and they told me the card was suspended until I paid the bill of my other American Express Card.

I contacted the complaint department of the bank 10 days ago, to open an claim against the worse treatment, and they asked me to wait three working days to receive an answer, and I still waiting until now.

So this is the cheaper way the most cheaper brazilian Bank take care of the clients of the most exclusive credit card in the world.

December 2008 AMEX decided unilaterally, decide to reduce my credit-line to the amount owed on the card, this created a domino effect that just now I am beginning to get over, although my credit score was/is shot down denying me any possibility of getting credit.

If I had known that they would proceed this way I would have closed down my credit cards with them and gone into a payment plan and used that money for something else, like buy a car for my 17 year old son that now will have to wait until my credit score is back in shape.

I have demanded they return my prorated membership fees, they said they will look into it and respond in 48hs, I requested they send me some confirmation of my request and the rep said she couldnt

If I would do business as they do I would have lost all my clients and be black-listed in my niche I honestly feel violated and helpless by the way AMEX has treated me.

I personally have one American Express Credit Card - a Platinum Delta Card. I also have personal MasterCard with slightly better benefits that I use on a regular basis, and as such, I rarely use my personal Amex - on my Amex I have a recurring monthly TiVo charge of $6.95, and I occassionally use the card at Costco (I probably on average charge $100 per month on the card).

The card had an 11,000 credit, which I never came close to reaching. Additionally, I pay my Amex in FULL each and every month without delay. Despite that, when I went to use my card one day, it was rejected. I called customer service to inquire, and they advised that my account was under review, and that I would not be able to use it until the review was complete (24-48 hours). I was upset that there was no prior notice, but accepted it assuming it was routine. Thereafter, I received an email advising that my credit limit on the card had been lowered from $11,000 to $1,000.

I was very upset as such a decrease lowers my available credit, which in turn significantly impacts and lowers my credit score (prior to this, I had a 760 credit score). After several complaints, requesting supervisors, managers and the like, I got no where, so I simply had no choice but to accept it.

Thereafter, my office began receiving calls regarding a line of credit we had with Amex. As some background, I am 1 of 5 attorneys at a boutique law firm in South Florida. In connection with our practice, we obtained a Small Business Line of Credit from Amex, which, as most would recall, was highly advertised and marketed (Pinkberry and similar commercials).

Well, we received a notice that those Small Business lines of credit had been terminated starting January 2009, and that any balance remaining would be transferred to a fixed loan at a new rate. Again, the Firm in general was upset, but we accepted it given the market and began making the payments under the Line. In that regard, the minimum payments were around $400, and we sent, on time each and every month, at least $1,000. The original Line of Credit for the Firm was $40,000, and we have since decreased the outstanding balance to $24,000.

Despite making more than the minimum monthly payments, we began receiving calls or solicitations from Amex trying to have us pay the balance in full. The Firm decided that now would not be the best time to reduce our reserves by $24,000 so each time we advised the Amex representative, "thank you, but no, we will continue making monthly payments." That's when Amex took a more aggressive approach and the additional problems began.

One day, I was with a client and went to pay with our Firm's Platinum card. To my surprise, it was rejected. I called Amex to inquire, and they advised that the Firm had gone $700 over their average monthly balance. This was a major surprise as this is a Business Platinum with supposedly no preset spending limit, yet Amex had now arbitrarily imposed a $5,000 credit limit (they said that for the last 6 months, our average charge to the card was around $5,000, so that now they would not allow us to exceed that amount until we paid it down).

To make matters worse, my wife advised that my personal Delta Platinum Amex had again been rejected. In that regard, Amex advised that they had linked my Business Amex accounts with my personal because I was the Managing Partner of the Firm. No matter who I spoke with (Supervisor, Manager and the like), again, they did not care that this was a Business account and that same had nothing to do with me personally; they were linking all accounts and freezing them all until we paid down the Business Platinum card, even though it was not even due at that time. Note that this card gets paid by the Firm each and every month on time in FULL without delay - they did not care and said that was not the issue - it was simply that we exceeded the last 6 month average spending.

When I and the other attorneys (others of the Firm called as well) asked how then could this be advertised and represented as a Platinum card with supposedly no preset spending limit, they could not answer. Again, left with no other alternative, we paid the balance in FULL 10 days in advance so that they can then reactivate all accounts. The following month, it happened again, and the Firm similarly had to pay the balance in full well in advance of same being due. However, I called again and this subsequent time, to my dismay, they advised that until the Firm pays the outstanding balance in full our Line of Credit (the outstanding $24,000), I would continue to have these problems because they have linked all the accounts. This I could not beleive as it clearly appeared to be some sort of threat or intimidation tactic to force a consumer to pay a Line that they themselves created and have now chosen to eliminate, which in itself is already hurting the consumer.

What makes this even more outrageous is that they are doing this to a very good customer - one that pays not only his personal Delta Amex, but also his Mastercard and all other personal credit accounts in FULL each and every month - I do not finance any of my credit cards. Additionally, the Firm pays its Platinum card in FULL each and every month.

None of this matters to Amex, which states a lot about its customer service and care. More importantly, their reduction of my credit limit dropped my credit score (it is around a 720 now for some reason that I can only attribute to Amex), which alone is damaging enough that some government agency or other authority should do something about these unfair trade practices by Amex. Lowered my credit score; harrassment; unfair trade practices and threatening overtones to induce payment; damaging reputation and status with clients and community.

Had an original balance of $30k and AE decreased my available credit to the amount on the card,which made it look like I maxed out the card. After this I called and they said because of a negative item on my report they had to reduce my credit limit. It does not matter if you have paid on time or not. Needless to say I stop paying and they charged $500- 700 mnthly in interest and now they have me on a plan which I'm not going to pay after carefully reviewing the situation.

My balance was 16k, but with all late fees and accrued interest, I now owe 20k and they only have me on the plan to pay the $3500 in late fees/interest attached. This is crazy how in the world could you be charged $500 mthly interest. After this, now every creditor has reviewed my account and cut my limits in have although they were being paid on time. This is not right and now I understand why people do not pay their cc bills. Any assistance would greatly be appreciated as I had every intention of paying, but I/m appalled at the decisions by the cc companies.

I had been American Express Platinum cardholder since 2000 and used it every my Costco shopping, I have never had any late payments and debts as a cardholder. However, when I used it at the Costco Store, they told me it was declined!! I called the customer service for the reason, the rep said nothing was wrong to my account and it maybe caused by the length of time accounts have been established. Even they closed my account roughly but the balance is showing -9.83 dollars of Costco Store's reward.

The amex is linked with my Costco membership, so I tried to apply for it again and my application also was canceled!!! I don't understand how they could close my account without any late payments and debts. I am thinking the board of amex has some wrong policy and roughed cardholders. I also want to report it to the federal government for their violence to cardholders. I wonder if the amex will be out of business in the near future by those stupid policy!!

I need your urgent help please! I have been an American Express Customer since 1985. I tried to use my card on July 3, 2009 to pay my business cellular phone bill and found out that my AMX account had been cancelled that morning.

Yes, my credit record is not good due to a very costly divorce and medical expenses for my daughter. However, my mortgage payment, car payments, and my AMX payments have been kept up and are current.

I dont make enough money to front expenses for travel for business and my company does not issue corporate credit cards for their sales people. We are to use our own cards and put in for reimbursement. I have applied for a Visa Card but I know that my limit will only be $250 which certainly does not help me with business travel expenses.

Now that I no longer have an American Express Card, and I can not obtain another type of credit card due to my bad credit rating, I will not be able to travel for my company business nor operate my home office. I will certainly lose my job if this becomes evident to my company.

I dont know which way to turn, except to ask you to please reinstate my account with American Express so that I may keep working. I have been a customer for 24 years! I will continue to only use the card for business purposes all of which are reimbursed to me by my employer.

After some time passed and my point where gone they offered me another card with a 500 limit, they want to start over. There crazy. my point should be mine, i could have used another card got points there and would still have them. That is a bad practice, what if went another 20 years using there card and got hurt harder when i really needed it.

I have been an American Express cardmember for 13 years. I have a gold card and a platinum card. I just built a restaurant and spent $55,000 on the card in two months, I did this so could get the points to use for traveling. I paid the card off weekly, sometimes twice a week because they set a limit on my card of $5,000. I never owed them any money or had a balance. They recently reviewed my credit report and cancelled my card without telling me. I only found out when I tried to use my card and it was declined in a store.

When I called customer service to see why it was declined, the rep said the account looked fine, and there was no balance due so that she would have me hold on so she could check into it. When the rep came back she told me both my amex cards had been cancelled! Their reason was that I had a high debt to income ratio. They never sent me a letter or anything! I currently accept american express cards in my restaurant, but on monday morning I am calling their merchant services department to cancel that account. I am stunned that they would want to drop a customer who pays their bills!

I have had Amercian Express since 2002 and previous to that also. Have always paid on time. this past year I had a few slow payments now, they cancelled my Platinum card that had no balance,and said that debt to income was too high, and wanted to "requalify" me for an additional $25 fee, I complained, said I had already paid a $100 membership fee earlier this year.

I smell a big rat here, I think they got all of the bail out money and are just cleaning house, and damaging alot of long term customers in the process. I think additional class actions should be filed
until they understand that they cant screw long term customers. I will never reapply to them again, too bad, everyone gets a bailout but the
business people that keep everything going.

then they ask me if I'm an Amercian citizen. What an insult, the real insult is the customer service reps from INDIA, PHILLIPINES, or whatever, they should call themselves SORTA AMERICAN EXPRESS

It appears that I am joining the crowd who have been mistreated concerning their American Express Platinium Card account. I have had a $40,000 credit line for several years and recently had a balance on the account of approx. $20,000. Three months ago I was informed that my limit was dropped to $30,000 for no apparent reason. I called AMEXCO and was informed that my income credit ratio was the reason for the decrease. I reluctanly accepted and understood. However, the following month the limit was again dropped to approx. $20,000. Called AMEXCO and was told the ratio reason again.

I then paid down the card approx. $5,000 resulting in a balance of approx. $15,000 thinking I would have $5,000 worth of credit to utilize if I needed it. The following month I received another email that decreased my credit limit to approx. the balance I had on my card resulting in a +/- $60.00 credit available. The sequence of events seem to be totally unfair. I have been penalized for paying down my credit card balance.

Also, as most others have mentioned, I have never been late on any of my credit card payments for at least the 17 years that one of my credit bureau claims to have record of. What if I paid the balance to $100.00, will my new limit be $100.00. I hope letters like these will allow AMEXCO to improve their customer service for their future business and to minimize burning their bridges with many of their loyal long time cardholders.

After 9 years they cancelled my platinum card. Seems like I am not alone here but what a racket. They gloriously waited until I paid my annual membership fee. Oh was there any delinquencies? No. They merely claimed they didn't like my debt to income ratio. Sorry, but they have no idea what I am making and I never miss any payments for anything. Funny I often make double payments on my car loan even.

I am perplexed on how they cam by this decision and of course the customer service person knows nothing. Can you say lost customer for LIFE. Obviously this credit crisis has them on their knees but one day this will pass and I expect when the storm blows over they will be trying to rekindle these relationships they are severing.

They without any notice to close my account. I'm Cosco wholesale Club member, I pay off the balance every month, I don't have any debt with other credit card. When I contact them, they said because economy low. Cosco wholesale also receive many customer complain about their American express credit card was close.

Needless to say I called immediately and was told I had been cancelled. The rep, while I imagine just doing their job, knew nothing, and was absolutely useless when I asked to speak to a manager but did want me to settle the balance then and there. I laughed and let them know I knew when it was due and they would get their payment the day it was due. American Express has now slipped into the muck with Discover Card and other low end service cards. Very sad. No notification and the inability to get a manager on the phone is beyond unacceptable.

American Express cancelled on me with out notification of cancellation. I was their customer for 5 years, always paid in full, never ever late and used their card everywhere I went. I never go to sign up for another American Express in my life.

I did sent complaint letter to FTC and FDIC for improper cancellation. Currently Im pleased using my local bank credit card. Im sure that any credit company will be happy to have a customer that pays on time and in full.

The bank cancelled my credit card prior to sending and notifying me of the cancellation. I found out about this when I had finished shopping and used my card only to find that it was cancelled. Furthermore, received the letter from AMEX a week later from the incident and the letter states that cancellation of the card may negatively impact my credit score. I disagree with their credit decision to begin with based on my impeccable credit history and also feel victimized that their decision will impact my credit score.

This is crazy because I was not in default on my American Express Card and had planned on making the next payment in full on the 30th. My question is whether or not they have the right to cancel the card if I am not in default. I used to work for a credit bureau and credit snapshots change all of the time every day. Why didn't they talk to me about the card before cancelling it behing my back? There should be some type of protection for the consumer.

On 10 MAY 09, I was at a restaurant using my credit card to pay my bill. I gave them my AMEX Card and it came back denied. I had used the card earlier in the day at my car dealership with no problems. I called the Customer Service Rep and I was told that my card was cancelled. I was given no notice via email, phone, or mail. They had did a recent scan of my credit report and said my card was cancelled because the debt to income ratio was high. I have always paid my bill on time, never late, no derogatory statements on credit reports. Evidently, this is something they have been doing with alot of individuals lately. I am in the military and me and my wifes combined incomes are good.

Is this legal? Should I seek legal advice?

I was livid and insisted on speaking to someone else. After two more "some elses", I was told that my card was canceled because of a recent increase increase in my debt. I asked her if she knew what a debt to income ratio was and she said that she did. I then asked her if she knew how much money I made annually and she said no. I then asked her how they could possibly decide my ability to pay my bills based on looking at my debt. She didnt have an answer. I asked her that if I made 6 million dollars a year if my debt would be out of line. She said no, so I asked her if she knew whether or not I make six million dollars a year and she said no again. So then how can you make that determination? She had no answer other that it was a recent policy change and my new credit limit was $5800.

I told her to cancel my platinum card, my wife's platinum card, my son's platinum card and my other AMEX cards. I also told her that I wanted a full refund on the fees that I was charged for the "privilege" of having their card. She actually did that and the credit showed up the next day. Still after this many years, how could you do that? I was embarrassed over a $40 purchase and AMEX couldn't even tell me what they were doing before they did it?

I just pulled my credit report (my business is loaning money...imagine that)I have 25 ones on my credit and nothing derogatory. My debt/income is 38%. Im just upset that they can do this on a whim without any warning or regard to what the consequences might have been. I am going on a missions trip to the Democratic Republic of the Congo in August. What if they would have done this to me while I was out of the country and I had an emergency? Im not a litigious person, but Im thinking I would make an exception in this case.

I have been an American Express Platinum card member for more than 25 years, am 100% debt free, no mortgage, with a net worth more than a million dollars. During the busiest part of my career I traveled abroad frequently, and depended on my Amex card.

Being away from home while trying to pay my bill, often without statement in hand, I tended to overpay my estimated charges, since I depended on the account to be active. My intention was for the overpayment to be reflected as a credit on my account statement to apply toward future charges.

Unknown to me at the time, Amex apparently had a policy, coded into system software, whereby their system automatically generated a paper refund check for these overpayments, and send it to the customer though the postal service.

Mail service to me in foreign locations was slow and not dependable. I received about half of the statements sent and rarely any paper refund checks. Much of this occurred before the internet was a common business tool, and before Amex offered a direct bank debit bill pay service.

The checks had a 120 day validity period. If they were not cashed within 120 days, they were void. With few exceptions, I never got the checks, or statements referencing the checks. So how do I know how many checks were sent over the years? Simple. Just look at my account history. Amex has my complete account history, right?

Amex customer service tells me they can regularly access customer records from the 1980s for other customers, but not mine. Why? Amex cancelled my card without my knowledge just before they migrated all their records from their old legacy system, to a new system, in about 2006. Apparently, they did not migrate my account, with its 25 year history since it was closed shortly before the system migration.

When they log into their legacy system, they see some records for my account number, but can not pull up any details. A request has been submitted to un-archive these records.

I regularly overpaid so that my account would remain dependable. I suspect many refund checks were mailed, but none were cashed by me. When a check expires, Amex does not issue another check, and they do not credit the customer account. The money remains in an Amex bank account in their name, and they apparently have no intention of ever paying the customer.

I had an Amercian Express/Costo platinum card since 2004 with a credit limit around $15,000, spent like $28,000 in 2008, paid full amount every month. Two weeks ago, American Express decided to lower my limit to $1,400, the first call to Customer Service they told me the reason was due to multiple credit inquires on my credit report (I'm in the process of buying a home -- doing mortgage shopping) they did NOT care and told me they can NOT do anything, so I cool off for a couple of days, thinking closing the account will hurt my credit score, so on my second call to Customer Service they now told me I have delinquent accounts on my credit report...I told them that's wrong, you must have mixed info or something, because I am monitoring my credit report for my mortgage hunt, again I was told they can NOT do anything about it and I needed to clear my credit!!!! this was the end, I did not care about the impact to my credit, I canceled the account and do NOT want to deal with American Express ever!! I just want to share my story and hope it helps when choosing there credit cards.

I have been an AMEX customer since 2003. I have never been late or missed a single payment. I lived overseas and spend an average yearly balance of $55,000 USD dollars. AMEX made a fortune off me in the currency conversions. Often I would call them and question the rate they used. I found they consistently were using rates at least 1.5% above the day's trading rate. I dealt with it and just figured cost of doing business. I returned home to U.S. and continued my average yearly spend expect I would pay off the amounts in full every month. In October of 2008 they lowered my credit limit without warning from 20K to like $1300. I was extremely upset... to say the least! So every month I would max that amount and pay in full. Then without warning again they canceled mine and my wife's card. I have over 200K in Delta Skymiles accumulated from using this card. I am furious. My wife is traveling to Singapore right now and she went to use the card and she was denied (it wasn't honored.) I stopped using the card so she could have that measly $1300 balance for some spending money. I am concerned how this affects my credit score rating. The reports usually indicate if you or the merchant card canceled the credit card and if this is the case and it affects my rating I will be pursuing legal matters.

I recommend everyone communicating their AMEX experiences to newspapers, social media networking sites (Twitter Facebook) and I want everyone to know how AMEX treats its most reliable and creditworthy customers. We are being treated like criminals because of their incompetence to run a business properly. Shame on CEO Kenneth I. Chenault and his greedy practices and checkered polices that punish the good customers. The entire Board of Directors including: Alfred F. Kelly Jr., Edward P. Gilligan, Daniel T. Henry, Judson C. Linville, Ashwini Gupta, Stephen J. Squeri, John D. Hayes, Louise M. Parent, L. Kevin Cox are all also responsible for this absolutely defunct company.

I spent months working on my credit and got it above 800. I have paid for my credit report to every month for a year to keep a close eye on it and AMEX told me that a derogatory public record was on the report. Ran it again on all 3 credit reporting agencies and NOTHING was evident... NOTHING! Called AMEX - no help as usual. Then they changed their story and said income to debt ratio. I owe only school loans. MY income far exceeds my school loans. I'm at a complete lost with this American Express. Good riddens!

I truly forgot the bill and within a day after the due date got an harrasing call from a very ethnic individual who could not put a noun and verb together to save her life, she was stationed in Ft. Lauderdale. I told her I would get payment out today, my mistake. Two days later, she calls , after 9:00PM EST and begins to harras me again, and this time states she would ruin my credit if I didn not get that money immediately to them. I informed her that 1. she is calling after 9:00EST and she has violated numerous laws and 2. Being a member for 40 years and being late one time on 206.38 I do not beleieve is a big deal in the sceem of things. She became hostile and I told her I would not take such abuse and hung up.

After a few days of thinking about it, I called Amex and cancelled my card. They asked why, I told them. The person would not give me her name, nor did she put any notes in the system, so there was no trail. I told them I stillwanted the card cancelled. They did. About a week later, I received a call from the President of Amex Platinum apologizing for the service, etc, etc and after 40 years, why would I cancel. I thought in this day and age, that was impressive. I explained the situation. He said..."we will issue you a $3,000 credit on your account and you can use it wherever you want." I paused for a moment, thanked him and said "no". He was dead silent and asked what could be done. I said, he needed to fire the inarticulate individual who caused me this stress and anxiety over 200 dollars. I was told they could not do that, I told him I didn't need his charity or his card.

In this day and age consumers need to stand up for what is right, even if financial companies tried to do the right thing...he "NEVER" apologized to me for the associates rude behavior, that is what did it.

My wife and I paid a $475.00 fee to upgrade from Am/ex Gold to the Prestigious Platinum cars, We have been humiliatedd on more than one occasion. The first time we had just admitted my mother in the hospital who is battling cancer. The Family was there so I took them to the Cafeteria to eat and card was declined in front of my family.This was told to my mother which concerned her(being a mother) which added additional stress.

I called and was tol that my limit had been lowered to $1800.00 Again, Never late. Today, April 29, 09 card was declined I was told it was canceled. This was Humiliating as it happened in from of family and friends. Never late with Am-Ex and they have not lived up to their end of the bargain. I am not sure of the selection process that Am-Ex uses as I see no Professionalism, no consideration, and they seem to fall right in line with the Blood Thirsty Takers and Users that we have seen in the news.

Am I upsetm Hell Yes. The people on the phone that you are trying to reason with sayingthis don't make any sense at all? cant wait to be abrubt and get you off the phone. I will go out of my way to tell everyone I know to do away with their am-ex as it seems like some of the Others who have recieved taxpayed Mney to survive believe they are untouchable.

For the second time this year our Partnership with American Express has continued to be abused by them. They dropped our Credit Line right after they received our payment stranding my husband on a required business trip with his colleagues. I have found myself begging for over and hour yesterday 4/15/09 speaking crying with over 6? reps BEING RECORDED letting me go through my speech each time with saying There is nothing they could DO? putting me through tremendous stress. They would not even let him finalize his transactions they could not help us.

SERIOUSLY, I have helped them by using their Platinum Card paying their high membership fees and paying on time. Having my bills set up to be paid through them on their suggestions and encouragement. To now have to call them all and set up new arrangements. Do you see WHY AMERICAN EXPRESSS STOCK HAS GONE DOWN! We will be 50 years old this year with 9 grandkids and are hanging on to our dignity our respect and TRYING to build a solid foundation they will have for their future!

Mental Stress!

I have had a platinum american express card for several years without a late payment or blemish. I paid 400 annually to have a card with no limit although I seldom had a limit over 29,000 dollars. As I tried to use the card today, It was denied because without notifying me they decided I would have a 5,000 dollars limit. As I cannot do business with that low of a limit, I asked for my 400 back and will use another card. AE cancelled my card at my request and then told me I would forfiet the 117000 point and not be elgible for the 750 pending and not recieve anything for the balance as I pay the 13000 off that I owe. I should have been informed of this before they cancelled my card at my request.

Before I got off the phone I tried to transfer my points to an airline account. Excuse me but they needed 56 excise tax to do it but would not allow me to use another card to do it and of course would not let me put even 56 on my account because it was over drawn. They charged me 11000 points and transferred what was left as my only option. I still lose out on the other points. This company is not a business that has any concern on its customers and will surely lose many if they are treated as I was

Besides the embarrasment of being denied; I lost the points I should have received and They prorated my $400 fee for 4 months use to about 260.

After searching the web and finding other people with stories like ours, here is a letter of support that we sent to a lawyer who we hope will be able to help us file a class action lawsuit. Please read below to see how American Express has cancelled our account WITH NO NOTICE and is threatening to report to a credit agency on an account that has never been delinquent and for credit report that has not changed on over a year. We found many people online that had been in good standing with American Express and were looking for class action lawyers, etc. Here is my case:

Our account is in good standing, we have always made more than the minimum payment and when we paid a huge amount of the balance, our credit limit was decreased with no explanation, when we made another huge chunk, our account was cancelled with no notice. We are trying to buy a house soon and have been meticulously protecting our credit. American Express has screwed us over for being very good customers. They are also threatening to report the cancellation to a credit bureau thereby officially messing up our credit because we were good customers.We are ready to join a class action. Thank you.

American Express Business Platinum cut my credit down to mere 2000. American Express blue cut me down to 12,000. Was never late to pay, always paid more that the minimum required. These cut back back lowered my credit score below 700. Can they have the right to change the original contracts to their will and ruin their customers credit.

I had a crdit score of 740 and was proud of it. Between Chase Visa cancelling my card (because I chose to keep my low interest) and American Express lowering my credit. My credit score was lowered below 650

I have been a loyal customer and card holder of American Express for over 10 years. I am extremely disgusted by the way I have been treated. I hold a Platinum Charge Card, a Blue Credit Card, and a Delta Sky Miles Card. After consulting customer service department I was told not to pay off the cards and that leave a small balance on them would continue building credit with American Express. In Aug. 2008 I made a payment of $8000.00 on the Blue Card as well as a $3500.00 Payment on the Delta Sky Miles card. This is on top of the $2000.00 to $5000.00 I pay monthly on my Platinum card.

I spend about $40,000.00 a year with [them] and this is how I have been treated. After Paying down about $11,000.00 in balances on both the Blue and Delta cards which I was informed to do by companys customer service department instead of paying them off. American Express lowered my credit lines to about $100.00 over the balances left. Wow I give eleven thousand dollars and [they] penalize me! This is bad business but still I kept all my cards after speaking to one Customer Service reps who informed me that they have reevaluated everyones credit lines during these tough times. Well times are tough and I got laid off in December and start a new job March 16th.

When I knew things could get tough I stopped using my Platinum charge card and decided after 2 months that I would not be able to pay the full balance which is around $2000.00 dollars. I called to pay $500.00 and to move the remanding $1500.00 to a line of credit which I could pay over the next few months. I had done this in the past and paid it off and was told it would not be a problem to do again. After I was transferred to a specialist who could do this I was told I could not and that I needed to pay the full balance. I informed her I could not until the first week of April and that I would like to pay $500.00 and she told me that $500.00 was not acceptable.

NOW [they] can wait on [their] money and as soon as I can pay the balance off I will cancel all 3 of my cards and never again will I do business with American Express nor will I have anything good to say about American Express to anyone. [Their] company really disappointed me and when we come out of these hard times I hope American Express suffers for the way they have treated there trusted clients.

Just went on a business trip to las vegas, Paid and extra before i left to my card before to have plenty of credit. While on the trip they lowered my credit to lower than what I paid. causing me to have no credit for hotel,food, but caused me to be overlimit charges. Spent 3 hours on the phone trying to get some help. Single women traveling alone, Had to borrow $$ to get through rest of trip. Will not carry amex on next months trip. Cant get anyone to respond to emails. Same response that others are getting.

Had to rely on someone else to pay for rest of business trip. Embarrassing/screaming and stressed in airport trying to get someone that would listen and not just blame credit report. That by the way hadnt changed since 2 years before they offered me the card. I cannot take any business trips until i get a new card.

I have had an American Express Platinum credit card since 1997. I have never been late and I have always paid my balance in full. I attempted to use my card today at Costco and the transaction was declined. After contacting American Express, they stated I had an adverse item on my credit report and they immediately cancelled the card. They never contacted me to see if the item on the report was accurate.

I never received a courtesy phone call. Absolutely no communication whatsoever. I have no outstanding debt to any credit card or any other financial institution except for a very small mortgage balance. I have never had an account cancelled by a credit institution. I am apalled to be treated in this manner and I will be contacting my attorney and the Attorney General of my state regarding this matter.

On February 11, 2009, I made hotel reservations at Myrtle Beach, South Carolina, using my Platinum American Express Card. The transaction was approved and confirmed; however, on February 13, when I arrived at the hotel, I was informed that my card had been cancelled. I just knew this was an error since I have an excellent credit record with American Express. I was shocked to discover that it was not an error. The representative said their decision was based upon a debt to income ratio report from Experian.

I am appalled that we have reached a point in America where law abiding citizens are treated like criminals with no apparent recourse. American Express has downgraded from a very reputable company to a low class, second rate shady operation. I'm going to appeal to my Congressman (Majority Whip Jim Clyburn) to not allow any bailout funds to American Express since it seems that's their goal.

Humiliation and embarrassment

On 2/15/2009 I used my AMX card to pay for a round of golf in the amount of $32.00 It was declined we tried it again thought it was a quirk but no indeed it declined again. My wife called amx and they said they cancelled the account because after a credit review with experian they found that I have numerous delinquencies on my report. my wife informed them that we just had our home refinanced in february 2009 and a credit report was run and there were no late payments anywhere on it for the past 10 years so then they said it was because we had high revolving credit balances which is also an untrue we paid off amx in the amount of $20303.00 on 2/4 which was more than what we owed.

So the next conversation we had with them their reason was only that we had high revolving credit balances. so they thought it best to close our account. So my wife told them without a courtesy call or letter stating that our line of credit with them was under review we had to find out by being put in an embarassing position by having a $32.00 charge declined at an establishment we frequent every weekend. My wife also told them that we have had this account since 2005 no late payments only once over limit and paid more than minimum required each month. We could see if they reduced our credit limit for their own safe guard as they said but instead they just closed our account now I am afraid that his will have a negative effect on my credit rating.

Had we known that they were going to do this we would closed the account voluntarily so that it would n't look like we are not credit worthy on our credit report.

Card was cancelled for no reason, or notice. My payment has never been late, always paid balance or more than minimum due. Card was cancelled by amex in January - they owed me 194.00 in rewards rebate in February - was told they would not be paid.

loss of credit, adverse affect on my credit score.

I have had a American Express Platinum Card since 2000. My experience is similar to others. My account was recently closed with no, absolutely no evidence of delinquency or problems in the past. My Experian Vantage Score is 972, which is higher than 99% of US consumers. Since American Express will not answer my questions as to why they have cancelled my card, I can only assume they are either terribly disorganized and do not know what they are doing or that indeed they only want card holders who do not pay up on time and then collect interest payments from them. Honest individuals with excellent credit like myself are being taken advantage by what from the outside seems like a corrupt system. I have sent American Express 2 different faxes with information about my Experian Credit report and Vantage Score all to no avail. What indeed is going on here?

The direct consequences is that I have no way of using a credit card at Costco. (they only accept American Express.) If this affects my credit rating I will be outraged.

I have an Optima account which I closed a number of years ago. I have always paid on time or early and always more than the minimum due. Due to my excellent payment record, my apr is 13.99%. They have now changed how they calculate my minimum due since my balance is high on this card. Besides the 2% of the balance that they use to calculate the minimum, they have now added another 1% of the balance they claim to help me pay it down faster. The past minimum was around $163.00 of which I either pay $180.00 or $200.00. They have now raised my minimum to $233.00. So, in essence they have made it that much harder to pay down my account if I can barely make the minimum.

It is outrageous that they take a good customer with great payment history and abuse them in this way. I fairly squeak by with my bills as it is as I am 73 years old and have to work because I can't afford to live on Social Security. Now they want me to pay them more. How will I do that? Pay them in place of paying for my various essential medications?

Had an aunt die so i flew to L.A. for memorial services, prior to arrainging services checked balance of platinum card so i paid a few thousand 3 weeks early to due a now limit. Never had a limit before, spend $5000 to $6000 a month on this card always pay early never once even a day late. So knowing of a very recent lowering limit. Made 3 payments in Jan 09. Everytime i lowered balance the lowered the limit. Since the limit was reduced the card was rejected 20 minutes after lowering balance. For less than the payment was made.

What a bunch of paranoid people. we all are not broke and the ones paying on time get punished beacause everyone is maxed out. Hey it was just Xmas.

Well i paid it off in full this morning. It was not worth arguing with the smug rude jerks at Amex no longer the card for the wealthy. Hey i have a 30 ft yacht, a million dollar beach house, run a large company. I own 3 homes and have plenty of liquid. I WOULD LIKE TO HOLD THE PERSON AT AMEX LIABLE. NAMELY THE ANALYST THAT WAS [rude]. I smell a class action or refund of any yearly fee charged to all of us treated this way.

On my monthly statement received 1/21/09, I became aware that the APR was increased to 17.9%. I never received any notice advicing me of this change and giving me the option to accept or decline. I contacted American Express expressing my concern and they declined to restore to the previous APR.

The APR was increased to 17.9% placing a financial burden on me.

I had 4 amex cards for over 15 years amex platinum with about a 50K limit, Blue sky card, corporate card and amex blue. Amex allowed Idearc media to put 30,000$ on my platinum card and when I requested a signed authorization as I told them many times I am not dealing with the merchant, Idearc media, yellow pages anymore since they are liars and a rip off. I was sent to collections where 3rd party was all the name of the game. On Sunday I was awakened by 2 NASTY women that switched me over to a man not even of this country that closed my accounts for complaining, Yes I AM SUING THEM ALL.

Embarassing, liars, allowed company to steal from me , what they accepted as a signed contract was one from a previous year before they screwed me , now they are trying to ruin my credit which always ran high 7's low 800's.

I had their card for over (5) yr's, never missed one payment, paid balance in full ea mo (avg. $1,000. - $2,000.) Was out to dinner this weekend with my family at a nice place and tried to use card for meal. It would not go through / denied (very embarrassing). I gave them my other cc / Chase and it was fine. Called AMEX and was simply told that the acct had been closed. I asked why and was simply told that it was something in my recent credit report. I had recently negotiated with the bank on doing a Short Sale on a second home that I owned (I was behind in those payments but was working with the bank and we eventually come to terms and sold it). I am not behind in payments to any other payment or individual in this world.

I called today at my office to again get a more specific reason for the cancellation (was simply told that the account was closed). I asked them for the final balance and reminded them that I was a menber who had never msissed a payment and also asked them if they were giving me my Rewards $$ credit. Of course they said no. So, I am now apparently having this Domino syndrome affect me because of one single other issue which was satisfactorily resolved. What can I do to be proactive on protecting my good standing with all other creditors?

In late December, our balance owing was zero, but a transaction was refused. We called and were told our credit limit was reduced from $50,000 to around $3,000 because a credit bureau check indicated we had a high debt load.

To make a long explanation simple, we own several million $ in properties which are financed by lines of credit, and these mortgages are less than 25% of market value. As a matter of fact, two properties worth over a million have no mortgages at all on them. Rental income is over $50,000 a year, far more than enough to pay the mortgages and all corresponding costs.

As a former senior banking executive, I get the impression that some relatively incompetent nincompoop has changed what used to be a user-friendly company into an impersonal consumer resistant firm.

My credit line was reduced by 7K, when I called I was told I had missed payments or paid late. I explained that I have a stellar rating with all my creditors, I was asked to obtain my credit report and call back. I did as requested and the credit report concured with my original statement, I have a stellar record with all my creditors, current/never late, I was told a response would come in the mail, it did with no change. Today they increased my rate by 4%, making it my highest card at 13.99%, when I called to ask why, I was told every card was increased, for everyone!

This action has caused my fico to drop... The initial cut of the credit line, made the credit line go from 25% capacity to 85% capacity. I have not abused any credit ever, I own rental property, and always pay on time. This action has effected my FICO due to the actions of AMEX. Please advise as to what action I can take against this company. Thank you

I printed out the information that was emailed me from AmX. It had my flight, seat numbers, and hotel information. Confirmation numbers etc.

I and my two kids went to the airport and tried to get our boarding passes. We were told that we did not have seats!!!!! I showed them the information from my trip, and I was told by US Airways, that I needed to call and confirm that I had seats. I thought I had. Not only had I called to confirm my trip, but I reminded AmX and ultimately reminded them to book me a room.

US Airways was a nightmare. We finally got seats, but we were scattered around the plane in awful locations. When we went to change planes at our connection flight, we were told we did not have seats for the return flights. What a nightmare. I was told the plane out of Hawaii was overbooked. The Counter person was finally able to get us tickets in order to get off of Hawaii, but could only give us back row seats with no reclining from Phx to Chicago.

When we got to our hotel in Hawaii, the room we requested was not available. We had bought a package deal with two beds. Though a platinum card holder and a 'member' of the hotel chain, we were given a downgrade. The room was not what we had already paid for. In addition, I paid full price and did not use any of my rewards points.

Along the way, both in airports and at hotel counters, I called AmX to ask for clarification and help. Basically, they did nothing. I was frustrated.

I have traveled all over the world, using the internet to travel agents to book my travel arrangements. NEVER have I not received my assigned seats. NEVER have I not received an upgrade when applicable. And certainly, NEVER have I received a downgrade.

Around 2:30 in the morning, I woke up and called AmX to sort things out. The woman I dealt with was in no way sympathetic. She even accused me of having talked to her before about this issue. She did try to get me assigned seats for my PhX to Chicago leg, but couldn't guarantee that I would have them. She said she would talk to the Hotel Front Desk and find out about available rooms.

The next morning we got to move rooms. That was great. But, the situation with the flights never got better. I even called US Airways during our 10 day stay. We had our seats for the first leg of the trip, but couldn't change our seating until the last moment. We were called up to the Counter just prior to boarding and, though all given seats separated from each other, they all reclined.

I have been an AMEX card holder since 1988 in good standing and had been upgraded to platinum level by American Express (not requested by me). In December, 2008 I received a letter stating that my account had been CLOSED. I called customer service who apologized and stated that these calls needed to be handled by the collections department and I was transferred. The rep in collections advised that my account was closed due to their computer generated credit report.

I asked what would cause them to cancel my account without warning and was told that there were some dirogatory notes on my report. I asked if they were related to medical bills from a vehical accident that was in litigation and was told that it did not matter. I asked if there was any forum to present my case in hopes of restablishing my account. I was told no, the action is final and that my only recourse was to apply for another card. Does that make any sense at all?

I felt as if I was being treated like a bad American that never pays their bills. This is not the case as my account with American Express has been in good standing all these years. I protected that account because it was my emergency card for family emergencies. I am concerned about this having negative effects on my credit rating. American Express should have a review board that card members can contact to repair the relationship, especially when it has been excellent for over 20 years.

This action is crushing me. I have worked very hard to keep my account in good standing. My husband and I have been trying to refinance our home and reduce debt to prevent this kind of disaster to our credit worthiness. I cannot even describe the crushing blow to me personally after so many years of loyalty to American Express only to have them dismiss me without any advance notification. Why would Americans work hard to pay their bills and manage obligations after this kind of treatment?

We have had the American Express green card for more than 15 years, and the plantinum small business card for about 3 years. In more than 15 years of using the green card, no payment has ever been missed, late, questioned. We have charged anywhere from $800 to $10,000 per month on the card, and have ALWAYS paid the charges timely and never carried a balance on the card from one month to another. Early on a Saturday morning, less than 2 weeks before Christmas, we were phoned by Amex rep to let us know that the card was now deactivated until we paid $2200 immediately. We were SHOCKED!

First, the billing cycle doesn't end until the 17th, so we hadn't reached that date, so obviously no bill had been received by us, or even sent by AMEX yet. And we have been the UTMOST responsible users of this card for nearly 17 years! We couldn't believe we were being dunned for a $2200 payment on the spot on a charge card that hadn't even been billed, or even reached the end of it's billing cycle! Through three hours of numerous calls and debating, we were given more than one reason for this action, but none made any sense to us.

First, we were told it was based on a salary change - which is ridiculous since our income had increased this year; then we were told because of credit scores - 824 - don't think that one will hold water; then we were told it was because we had too many inquiries or open accounts - again a blatant lie since we consolidated debt and closed several accounts this year, and finally we were told it was because our charges on the card had reached a level higher than our limit - nope, that doesn't work either since we don't have a preset limit, and we have used this card for up to $10,000 in charges (last spring in Hawaii) and our new charges were now $2800. Well, then the story changed to this action was occurring because nothing that happened longer than 6 months ago is relevant. And that in the past six months, our average use of the card was only $1900, and now we were at $2800 (imagine that - 2 wks before Christmas).

Now, nevermind the fact that we had made charges in excess of $2800 in July when we were on vacation for two weeks - it was the 6 month average that mattered and nothing else. This company is in trouble - that is obvious from the way long-time members are being treated. We will no longer use the card now that I paid the $2800 this morning. My husband absolutely REFUSED to pay the balance one minute sooner than the due date on the bill, which arrived more than a week after they first started dunning us. And yes, the harrassment has continued -we have been called repeatedly, including last Sunday and bothered about paying this bill - which shows a due date of 12/31. Shameful.

We are very concerned about how this will impact us financially since the credit scores will be affected and our use of the card we have used every month for 17 years has now come to an end.

With no prior notice, the limit on my Delta Skymiles Credit Card was cut from $35,000 to just $2,000. Thinking there must be some type of identity fraud or an error on my credit card report, I checked my score only to find it to be 830 points and not one single negative report or late payment on it. I called American Express to question the move and was told it was after a standard credit card review and there is no recourse. The current statement on this card was for less than $900 so the card was not being used to near it's limit.

Shouldn't there be a law to prohibit a credit card issuer from doing this? Why do I want to pay an annual fee for a card with a $2000 limit? And if I cancel it, that will probably show as a negative on my report? I am outraged at this move by American Express and hope that a boycott can be started by the public to companies that are doing these unjustified moves!

This has lowered my credit score unnecessarily. Credit Card companies should have to have a true reason to cancel or reduce limits.

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 use around over 35 thousand US dollars for many years. 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 that 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 done more than multi million dollar charges with them since i became one of their members. They told me that my recent chargesof $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 coversation, I asked them to cancel my Delta American Express card. Now I am considering cancelling 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 Amrerican 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.

Since my conversation with them, I have cancelled my vacation plan since I can not charge. My payments are not due until another 12 days. Eventually, I will cancel all of my American Express and will do business with others.

I have been with AMEX for several years. I have personal and business cards. I have never, ever missed a payment on any of the cards and my credit history was always great. Just last week my Amex card was declined - I was surpised, because as far as I know I had another $2,000.00 of credit line to go. Anyway, I called Amex right away and I could not believe what I was hearing. Amex decreased my credit line - which would have been fine if it wasn't for very important detail: the amount of the new reduced line is $1,650.00 less then my current card balance!!!! So, it looks as I west $1,650.00 over the limit!!! I got fees, I got defaulted!! American Express had nothing to say to me except that if I don't come up with that difference in literally a week than I will continue to be in default!! I am basically screwed! Amex is running me into the bancruptcy!

prime rate + 21.99% plus $29.00 every billing cycle and the most important for me is ruining my credit history.

After using American Express for eight years and upgrading to Platinum 4 years ago, I had my card declined when attempting to make a purchase. Imagine my feelings when I was asked to speak with the AMEX rep and advised that I reached my limit; when I have no preset limit and I was not advised that I was close to any limit. Additionally my balance was less than the maximum I've charged previously

Based on this experience I cancelled my card, and I've not recieved a refund of my membership fee which was just charged 2 weeks prior to this incident. Platinum is a joke, I'm debt free and I will simply use my check card!

When is your agency going to do something about the loan sharks none as credit card companies. I am one of the few who are current o my credit cards, mortgage, car payments. Due to one late payment with Am Ex my credit card interest rate is now at a userous 26.99%! How in the world is this legal and where is your agency in the midst of this crisis. I feel as though I am living in a twilight zone. People are defaulting right and left on credit cards and I am a paying customer and still treated in an unethical manner. It is time to put and end credit card companies and there outrageous fees and practices. In all other transactions this is completely illegal.

I stated everything above. But who knows how this has affected my good credit standing. I do not even want to look!

About the month of july we received a notice from American Express that we were late on our card and we informed them that they did not sent a bill out to us, and that we were unaware what the due date was because we never used the card before. They told us not to worry that we do see that we didnt send a billing statement out to you and that you will not be reported late.

We just resently recieved an e-mail that out limit was cut in half and was reported to the credit bureau that we were late. This going to have an adverse effect on our credit and it is unjustified. This is their mistake and they need to take responsibility for their lack of action. We havent missed a payment on any think for close to 5 years and we all know how hard it is to build credit. I believe they need to send a statement to us for us to be able to pay our bills on time. They told us today that they did send a bill and I told them that they did not.

we took care of this in july and not to meantion again that they admitted at the time that they did not send one. I was told that it is not their problem if we get a bill or not.
This misinformation will have significant impact on our credit not to meantion other creditors will raise our interrest rates and put us into finacial parrel that we would end up fileing banckruptcy. This is ethically wronge for what they did.

As with hundreds of other consumers, American Express has arbitrarily lowered my credit limits on my 2 cards. I have carried a Gold charge card since 1986 with a perfect payment record. I was solicited by AMEX to get a Platinum skymiles card with a $10,000 balance. I almost never used the card, but happened to use it recently to pay for LASIK eye surgery (so that I could get SkyMiles for that amount spent). Less than 2 weeks later, I received notification that they had lowered my credit limit to $6000 (coincidentally exactly what I had spent). AMEX charges 25%+ APR interest rates and certainly within that should be able to absorb a reasonable amount of risk associated with a long-term customer with a 700+ FICO score.

As a result of the lowering of my limit, my FICO score lowered by 40 points. This is unacceptable and shold be illegal for AMEX to cause a clear and immediate impact on an individual's ability to obtain credit as needed. I am now concerned about my ability to obtain an auto loan if I decide to purchase a new car at a reasonable interest rate, which is a direct financial impact on me and AMEX should be held accountable for this action.

I am furious with them although all advisors recommend not cancelling the cards. I read one post online that suggests you have to play their game and maintain their cards with low balances and pay them off every month. Well honestly I dont need to pay them a combined $300 per year for that privilege. I have a debit card for that. I believe American Express should have financial penalties for causing financial strain on its customers with no prior notice and as a result of questionable profiling tactics. I would be first in line to sign up for a Class Action lawsuit against them.

Due to financial pressures, we recently applied to have our payment date on Platinum Card (member since 74) changed to the 29th of the month as it was due prior to 20th when our income hopefully came in and when we paid all accounts. Not a problem but suddenly old card number was put on hold for 10 days while new card and card number issued. We did not ask for new card or ne card number; just a change of billing closing date. This duly happened along with a $1,200 fee which is in addition the annual fee already paid.

The cost, appalling communications and now not even a phone call if a day late in payment or $1 overdue; just a hold automatically placed on the card. Total inconvenience and never sure when it is going to be accepted or not given new finance rules applied. Once we could have been 90 days late for $30K as a business expense card or rolled onto Centurion. I have spent $4.2m on this card since 1974 and have absolutel no degree of slack whatsoever and not worth the annual fee charged anymore let alone charged twice.

I decided to accept an introductory offer from AMEX for a 0% APR and joined the service and transferred a balance of approximately $3,700.00. Since the beginning, they have made error after error at my expense, psychologically and financially. I received false charges and fees on a regular basis. If I had not been an intelligent thinking, conscious human being then AMEX would have gotten away with stealing hundreds of dollars from me with no justification. I made complaint after complaint and fought with representative after representative regarding the completely inexcusable and illegal charges to my account.

I have not been able to close the account or transfer it because I have not had any alternative offers to do so. I have been presented with criminal and unjust activity from this company and I threatened to sue them just yesterday after yet another phone call to me at 6:30 in the evening regarding a late payment, another late fee and stated that my direct debit had been cancelled through their error yet again! None of these claims had anything to do with my activity--only theirs. Unacceptable and unbelievable amounts of inexcusable mistakes on their part. I am constantly being harassed and bothered and made to take the brunt of their continuous lack of professionalism, inept staff and erroneous ways on a regular basis. I will not accept this level of ineptitude and want to take legal action against AMEX.

They canceled my Platinum Card without notice after being an excellent customer and they said it was due to my Experian report. If you check my Experian report it has gotten even better through out the years. I called several times yesterday and was treated like a second class citizen and with no explanation have been left with out any buying power for my business for this holiday season.

This has caused lots of anxiety and grief because I am a single mother of a two year old, with a business to run and my ONLY CREDIT CARD has been cancelled with out any real explanation. The facts show my paying history!!!!! And experian score as well. There is something more they are doing and they are just giving the excuse it is the Experian report. There are way to many complaining consumers out there saying the same thing I am saying today. PLEASE HELP! How can they cut small businesses out! It makes the economy even WORST!

I have been a Platinum (and Delta, Hilton, etc.) American Express Member since 1993. I have never been late on a payment and have always paid my balance in full and do not carry a balance with American express. I have a credit score of 750. I used to be able to switch credit limits between my various Amex Cards (the Platinum card didn't have a limit).

When I called to re balance the close to $70,000 in credit I had among the cards, Amex said that this service was no longer available - they never gave me any warning that this was going to happen - leaving me with close to zero balances on some of my cards. When I asked for a credit increase, they sent me an email saying my credit line has been decreased. I will be canceling my Amex card soon - despite the stellar record and customer services Amex has given me over the past 15+ years. The don't seem to value good customers anymore.

Two months ago we received a letter from American Express that they were lowering our credit limit. Not much of a big deal but some of the explanations as to why were rather comical. One being not enough history with the company. You would think after having a AMEX card for over ten years would suffice as enough history. We pulled our credit report from Experian which showed nothing unusual and no negative marks.

In the same month two of our visa cards increased our credit limit (I guess we are poor risks). We have not been late on a payment and pay more then the required balance every month. We have two cards and with our statements they have invoked their rights to increase our rates by 2%. Which if our payments were late I could understand but for no reason is not right. Is there anyone that can help with this?

Financial loss.

well after 20 years about $1.5 million platinum status i am now person no gratia iwth american express. they base it on experian credit report-e debt too high. My debt with amex is 50% what it was 6 months ago i have only amortgage and some credit cards and somehow they rationalize that i am a credit risk and have reduced my balance. even though I have paid my account mostly more than the required payment the amount of credit avaialable is zero. I will be canceling american personally and for business and will discourage my employees from using for travel. This company has radically changed in a matter of months and there appears to be panic. They seemed relieved that i will be canceling my acccoutn paying off what i owe. Pehaps they need the money more than i do. I have their stock which is down 60% and they are seeking a bailout of $3,5 billion. Government needs to tell them the moeny is for ensuring liquidity not for ceo pay or buying other banks .

sell securities at bottom of market to clear my debt to them. Their idiot credit representative said have I not heard that broker accoutn money does not get consider in the process of givingf credit as the market has tanked. However the worse damaage if you read all your writers it that credid card holders are feeling insulted and wish to toss their cards and reduce short term spending which is bad for the economy. The freezing of credit is bad enough but the unfounded radical reduction in credit lines will further destroy confidence in the economy. I have kept the stock as it may also be at bottom of market; when they get handout it may go up

I am a real estate investor and used checks American Express provided for rehab purposes up to my credit limit with no problem a few months ago and last month paid the entire amount off. I decided to reuse the credit line for other expenses and called to make sure the checks were still good. I was told they were good until December 31 when American Express was going to discontinue them due to the current credit crisis. I used four checks to pay bills to vendors (including real estate taxes and insurance) for various properties I own the day following my phone call on October 31.

On November 8 I received a letter from American Express dated November 4 that they had rejected one of the three checks and reduced my credit line to $1000. They ultimately rejected all four checks to the vendors. They claimed this was the result of pulling an Experian credit report, even though the credit report I pulled from the company as result of this said 0 potentially negative items and I had a perfect payment history with AMEX and all other creditors. Balances and credit lines were due to rehab projects and refinanced mortgages - all current and all credit lines under 4% APR.

Potential harm - while I have yet to contact the four vendors, since the tax payment was due on October 31, it is now in the 10% penalty phase and I could incur over $500 in fees as a result. The real estate insurance company may have already sent notices to the mortgage companies associated with the various insurance payments covered by the check AMEX rejected, indicating a lapse of insurance coverage and causing me many hours to rectify the situation and causing me to lose face and credibility with those who think my payments are untrustworthy as a result of AMEX's actions.

AMEX personnel, although courteous, could only say sorry and repeat the fine print that they can reduce credit lines at any time without notice.

I have had American Express Cards since 2004. My average spending per year across all cards is about 150k. I pay off my balance every month and on small occasions I would keep some small balances because I am in business for myself and it helps in the slow months with cash flow. As of this last month they have taken an aggressive approach to try and get rid of their good customers like me. Good customers means people with at least a mid 700's credit score, pays their bills on time, and never have any late payments anywhere.

Up until a month ago I had 100k in credit limits plus a platinum card with no preset limit. My credit limits were brought down from a total of 100k to 3k last month and my no preset limit on the charge card now has a limit on it. As of November 1st I will pay off all my accounts with them and close them to be done with them. Their actions indicate to me that they are in financial trouble and do not have the money to lend anymore. The letters they sent me as to give me a reason for their action was that the places I have recently shopped other members who do not have a good payment history with American Express have also shopped their and therefore made the decision to decrease my credit limit.

I would recommend to everyone who has an American Express card not to use it and to close your account. The annual fees they charge are too much and you are no longer getting anything for it except aggravation. These are just my personal opinions based on my experiences and the experiences of others including research done.

I was using American Express for my larger purchases and now I have to find an alternate source. Also a lot of my cards are attached to rewards programs and I am having a hard time matching them.

I called to inquiry about a balance transfer with a credit limit I had with American Express of 30,000. I called the next day to complete a balance transfer into American Express and the Company had decreased my limit to 6,100. I was outraged. They took my available credit in less than 24 hours. They never contacted me by phone or written notification. I have been with this company for 3 years and have always paid ontime and I have excellent credit. The rep told me because of the report. They only took my credit from me because I had alerted them the day before that I was going to do a balance transfer.

This is bad business and i hope and attorney picks up these cases. I am outraged and want my credit restore to the original limit and a monetary compesation. I use this card as a source of living, daily for all or most expenses and i have earned it. All my basic expenses from day to day, is used with this card. I want my credit score to be restored to it orginal score before this happened.

I noticed my interest rate is 26.99% on my latest bill. I am busy so I sometimes pay the bill a bit late and I was told that is why the interest rate is so high. Although I may pay late, I always pay and I always pay more than they say the minimum amount required. Charing 27% interest amounts to robbery in my book and American Express should not be permitted to get away with this.

I asked to speak with a supervisor who could look over my account to verify that what I say is true. Although I may pay a few days late, I always pay more than the minimum. I have had an American Express card for many years. I was forced to move from one state to another to keep my job so things have been especially hectic this year. I will close this account if this practice is considered OK by the Consumer Affairs Bureau.

I have been an American Express Card holder since 1995 and a Platinum Card holder for 11 years. Our annual household income is in the upper six (6) digit range, a credit score in the upper 700s (no derogatory marks on Equifax, Experian, or Trans-Union) and we have never in 14 years missed or been late on a payment. My business and personal spending with American Express is well in excess of three (3) million dollars over the past 14 + years.

Yesterday, October 21, 2008 I attempted to use my AMEX Platinum Card for a purchase. Much to my surprise the charge was declined. Immediately I contacted AMEX to find out what the problem was, I suspected it was just a mistake. I WAS WRONG! AMEX explained to me that my personal card had been suspended and that until I reduced my Sign & Travel account no further charges would be allowed. Never did we receive a letter, phone call, [or] e-mail that there was a problem or that our charging privileges were going to be suspended. This is on an account that is open, never late, never a problem, and according to my statement NO PRE-SET SPENDING LIMIT (and yes my other personal & business AMEX cards are current and still active)! We have had balances in excess of $90,000 with AMEX Platinum and AMEX has never said a word about it.

I made and additional payment of $10,400 on 10-21-08 which does not include the $15,000 payment made on 10-10-08. My current balance is $43,750 and the closing date on my account is 10-22-08. This means I will not receive my current bill for 7 to 10 days. I did try to contact President of AMEX Platinum this morning (10-22-08) but of coarse he does not take phone calls from his customers who pay his bloated salary!

My next step will be to contact the media and anyone else willing to listen. If AMEX was attempting to [upset] a 14 + year customer, they did a most excellent job! CARD MEMBERSHIP HAS ITS PRIVILIGES I would consider this false advertising! Several automatic payments have been declined due to AMEX!

I paid for $1200.00 dollars to my American Express card to inorder to have some available credit to pay for wedding reservation the next day. But as soon at the money hit their account my credit limit was reduced to a point I could not pay for the service. I requested American Express to return the money or increase my limit but the said no to both request.

I have paid for most of the services but this was the last piece. I feel violated, stolen, cheated. I they have reduced my limit two times this year but not this drastic. It is embrassing and depressing to share this with others. American Express should contact at before reducing my limit so I can make better financial decisions.

I had two American Express cards a Gold and Platnium card. I had been a member since 2002. In June/July of 2008 I paid off the Gold card and asked for it to closed as I did not need two AMEX's. I then paid the Platnium card in full around 3 weeks after the due date.

I got notices on both cards that AMEX was canceling the accounts. I closed the Gold card but they ignored that and they closed the Platnium card. Not a big deal but I went to redeem over 400,000 in membership rewards points that are worth a lot of money and they took those and said because they canceled my account I had forfeited those points. Now I had but a lot of money on these AMEX cards and accumlated a lot of points and for them to take them away for no real reason seems unethical. I wrote to AMEX and they said they would not give me back the membership reward points.

I had enough points for roughly four round trip airline tickets to anywhere in the world. We had planned on going to visit my wife's sister in Germany. Conservatively these membership rewards points were worth $2,000.

I could write pages about the errors that Amex Platinum Travel has made and the hours I have spent correcting them. I just want to get the word out that American Express Platinum card means NOTHING you are buying NOTHING they give NO SERVICE. My last phone call was classic, I asked how to reach the person who signed the customer service letters and was told IT WAS A FAKE NAME! The person who signs the forms supervisor does NOT EXIST!

American Express has NO customer service, whatever you get is worse than nothing! I sent a series of emails, through the secure website, regarding the so-called benefits of my Platinum Business card, which I have held since 2001. The respondents all had East Indian names. Not one of them actually read my email or even tried to address my questions. Including the one where I said, Do not reply to this email, if you do I will cancel my card! Sure enough, got another totally inane reply - so I canceled my card! By email, and someone actually read this one, because it is now canceled.

One can only surmise that they are trying to dump customers. I have a Gold Card, too and between both of them I spend about $150k annually, always on time. What a completely bogus company. The final parting shot across their bow, was another email request to hear back from a supervisor, explaining to me how on earth the service I received could be considered even barely adequate. To which I received a reply, oh yes, a supervisor will be CALLING you. Sure, sure, and no more Wall Street rip-off, greedy, corrupt corporations are going under in the coming weeks! EVERYBODY DUMP AM EX! I feel liberated, no more Am Ex!

HOURS AND HOURS of my valuable professional time WASTED trying to get anywhere with these [people]!

I have been a card holder of amex since 2001, I was conned into using there flexible pay, promised 2500 points for the card declining at every stop on my 2000 mile move, I was quoted 14% on felx pay and it shows as 26% I paid my Due in full and even over paid in March and they are saying I only paid 13,000 on 17200.00 my records show my payments as 17500.00 they wont send me any payment history, transaction history in order as spent and in order as payment.

I call several times a day, i have every print out and when I try to explain to them they say that the online print outs and statements are not really accurate, so I have asked amex to provide me with detailed statements that are accurate and they will not. I refuse to pay an additional $3500 when I have paid it already. also, I asked what the 3500.00 itemized charges are and they don't say, all reps have the same answer of not helping but they all come up woth different amounts? So while I am waiting to receive proper paperwork if I will ever get it , interest and late fees may build up!

This is awful, I have been stressed out about this matter for months when the card was declined on our horrible move. Now we are settled and I see they have not credited the account properly, Family life is suffering, financial depression.

I have had Platinum American Express Card for the last 6 years, I had trouble paying for the balance for the last few months, but I have always called them and paid some ammounts, on July 30th I finally paid off the balance and paid the annual membership fee. The same day my credit card was cancled for a recent update of my credit score. I have been waiting for 30 days back to receive my $675 annual membership fee which I have paid on July 30th. At one point I was told that I was not to receive back my membership fee, but after few unplesant phone calls, my fee is on its way back.

I have been a prompt paying Platinum American Express cardholder for the past 6 years (American Express Gold as well). I typically incur expenses each month of between 2,000 to 7,000 of travel expenses as I travel for my work (Clinical Research) and I'm reimbursed by my client for these expenses and promptly pay AMEX on the due date, every month. I received an email last Saturday telling me that my spending was more than usual (It was only 4500.00) and that my account was on hold with a number to call.

I called and spoke with this very rigid, unpleasant (dishonest) male representative, who didn't really know the reason, but insisted that this spending was more than usual....when I argued this, he then told me that my credit report had shown more inquiries this month, which had lowered my credit score (in reality it was lowered about 8 points). He said this was a DRASTIC change in my credit, so in spite of the fact that my bill had not been received as yet....AMEX would like a good faith payment right now to release my account.

I was incensed. I pulled up my credit report....there were no changes, other than these inquiries and comparatively, this was a rather moderate amount charged this month, on my card. What kind of tactic is this? My credit score is over 700 and I have a good income and pay all of my bills and obligations on time. What the heck is going on? I will not be using the AMEX Platinum card any longer. I am paying this bill on 9/5 and that's it. This is incredibly unscrupulous behavior and I'm absolutely horrified at this type of disrespect and this abusive treatment!

Fortunately, I will just use a different credit card and I can't see any long term financial damage (possibly an improvement). I feel financially, psychologically emotionally abused and insulted.

Aug 20 2008 I went to withdrawel cash advance from ATM and reciept transaction was not approved. The reciept stated please contact your financial institution. I called the 800 number provided on the back of my Amercian Express credit card. I explained my sitution the first time and requested to be transfered to a supv as it could not be resolved at customer service acct level. I was either diconnected or hung up 4 times when being transfered to the supv as request by me the consumer.

The 5th time I pleaded not to get diconnectd when transfering to supv. The problems is I was not notified of decreased credit limit until my telecon with Amercian Express Supv Phil over the phone and for what reasons. The Amercian Express after hours supv informed me on August 20th at 11:00 PM that on August 18th my credit limit was $30,000 and the next day Aug 19th my limit decreased to $19,500 I was shocked. He told me your letter was mailed to you on August 18th and you will recieve it in 3-5 business days. I have made every minimum amount due payment and have paid off my credit card twice in lump sums. I have excellent payment history. I use my credit card for my personnel use and have been an excellent consumer with Amercian Express.

The Supv told me I was not paying more than the minumum amount due by an extra $50-$100 dollars to reduce my balance and my credit score was low. I have very good credit score of estimated of 658. All that is required is the minimum due by consumers and payment by the due date. There is no law required to pay extra on minimum due or your limit will be reduced. Consumers may pay down or off the credit line at anytime providing the minimum amount is paid each month on time. My total credit line was reduced for these reasons.

I never heard of this happening to a consumer with excellent payment history and paying on time. I was approved and increased by Amercian Express because of of my excellent credit history and excellent monthly payment history for $30,000 over two years ago. This has not changed. I feel that I'm being taken advantage of as a consumer of an Amercian Express Credit Platinum card holder.

Econimicial damage. I signed a contract to remove trees from my property and planned on using my Amercian Express card to pay for it. I also have my vehicle in the shop for service and repair and planned on using my Amercian Express. I have reserved my hotel for two nights on my Amercian Express credit card a month ago planned on using it and cannot cancel. This is all just in August prior to August 20th.

February 22, 2008 I received a letter from AmEx advising me of a major credit line increase to $630,000. When paying my bill online, I learned of a major credit line Decrease to $5,500. I wrote two letters to AmEx chairman Ken Chenault. He had Courtney Richards call me. She said she would look into the matter and get back to me. She never got back to me again.

I sent Mr. Chenault a second letter (certified/return receipt guaranteed), and Ms. Richards called me again. She told me I misunderstood her about her getting back to me, and the matter had been settled. She sent me a letter and cc'd Ken Chenault that the matter had been settled. IT HASN'T! My credit score (as reported by MyFICO.com) was dramatically, Negatively impacted as a direct result of the lowered credit line.

Ms. Richards states in her recent letter to me (after her second call) As you know, from the letter sent to you from our Account Services division . . . the reason the line of credit was reduced are reflected by the aforementioned letter. THIS IS A LIE! What letter? The only letter I received was the one from February 22nd alerting me to a major credit line increase. I don't care about the credit line increase. I have no need for it. I just want my line of credit put back to where it was prior to all this baloney. She even recognizes in her letter that I have an excellent payment history with AmEx.

By telling me one thing (and in writing) and doing the exact opposite, American Express has demonstrated an unacceptable standard of care in the credit card business. Of course negligence is one thing, but for American Express to continue to refuse to correct the problem indicates bad faith. The continued indifference of American Express in this matter is why, to date, I have filed official complaints with the Metropolitan New York Better Business Bureau, the Office of the Comptroller of the Currency, the Federal Trade Commission and the Commonwealth of Pennsylvania's Office of the Attorney General.

In a return letter to Ms. Richards, I told her I will withdraw all complaints when American Express, in good faith, restores my credit line as it was before all this began. Until then, I will press on consistently, methodically and relentlessly for redress of grievances and damages. Further, I told her You are hereby instructed that if you need to contact me, contact must be made in writing so there can be no further misunderstandings. Any attempt to contact me by phone will be construed as harrasment and prosecuted accordingly.

By lowering my credit line from $11,600 to $5,500, my credit score dropped precipitously from approx. 720 to about 657. I am currently unemployed and today many companies consider credit when looking to hire. This puts me at a distinct disadvantage. Yes, I want to be contacted by an attorney because I feel AmEx is unlikely to budge -- even with all the work I've done thus far --and I want to sue!

I have been an American Express account holder since 1992 and have accumulated 80000 reward point with not even one single late payment. Every thing was going good but just last year i.e 2007 I had to travel overseas. I asked my brother to make payment on my behalf but American Express declined it because my name was not on his checking account.

Later I came back and cleared my account and discussed this matter with one representative. She told me payments can only be made from authorized cardholder checking account.

I had to travel overseas again in 2008 and the same thing happened, they wouldn't post my payment. I came back and cleared my $2000 worth balance. After doing that, I was told by an American Express representative that it will bring my account to current, but instead they closed my gold & two platinum accounts. When I received the cancellation letter I called them, and talked to their supervisor and asked to credit the prorated annual gold card fee for the remaining seven months. She threaten me to clear the remaining $120 or she would put my case to collection.

Finally after long discussion I was transferred to some representative and she kept asking me to go through different sections of their agreement stating they wouldn't refund the annual fee. But we found nothing and she also hung up on me. Two day after, I called them again and found out that my account has already been transfer d to collection agency.

reduced my credit score,hassle stress due to there incompetent representative.

American Express totally left me hanging in Costa Rica on our family vacation last week. They blocked my card for no reason and then I had no phone access to contact them. If you are smart do not use American Express on your vacations! They will leave you hanging. Total consumer betrayal!

I have a consumer American express card which has been in good standing since 1984. I also am the primary account holder on a american express platinum business account that has my daughter as a secondary card holder. That account has been in good standing since 2001. On May 20, used her platinum card to pay for two different charges at The Green Car Company which was all for repair of vehicles. The next day my business platinum account and personal card were cancelled. When we asked Amex why, they told us because Susan violated the user agreement by using her card at her place of business. First of all, Susan is NOT the owner of The Green Car Company. Secondly, she was not aware of any conflict of interest or violation of any user agreement. Thirdly, there was no fraud intended and there is complete documentation showing that she has had repair work done on many cars and that these charges were for goods and services.

We have faxed documentation, but Amex refused to accept it and was quite uncooperative. The way we are being treated is unacceptable from both a customer service perspective and an ethical perspective. Amex had no right to cancel my accounts and there employees should put more effort out to get to the bottom of the situation. Also, we are being treated like criminals, and why would a client who has been with them for 25 years deserve this treatment? Lastly, we had accumulated 100,000 airmiles/membership reward points that they have stripped from us and when we asked for them, they told us too bad.

I feel like American express is being a bully and taking adavantage of the fact that I am 83 years old and not very assertive on the phone. They have not treated my daughter very well either. Please let me know if there is something you can do to help.

I have lost my personal account which I have had since 1984. I have lost my business platinum account which I have had since 2001. I have lost my $50,000 business line of credit which I have had since 2001. I have lost 100,000 membership reward points which I use regularly for Southwest Airline tickets. I have been caused undue stress and had my integrity questioned. This may negatively affect my credit score.

I also paid the price for the special companion fare and was never told that it was limited to a certain few airlines, not including JetBlue. When I went to utilize it, I was told that JetBlue, even though it is one of the American Express partners is not actually part of their companion fares program.

We always fly on that airline and it looks like I have wasted my money x2 for both my husband and myself on the Platinum card. I'm going to cancel that and go back to a regular card.

Take this then ... Upgrade an AMEX from GOLDEN to PLATINUM, the software will automatically cancel the Golden one if you have no debts and that's all. They didn't re-compensate back the money you already paid at the beginning of the year.

In my case I paid in July 2007 130 for Golden Amex ( one year fee), in Jan 2008 I applied for Platinum based on the forms they send me , I never used Golden but only today May 3-rd 2008 and to discover that the payment was refused , I payed by debit card and when I get back home I called them and find out what is wrong with the card. I ask them WHEN and WHO canceled the card .. THEY DID , WHEN they canceled ? .. IN JANUARY, it means that I paid 130 for a year they own back me the amount between Jan and Jul ( around 65$ half of the year).

In the phone conversation I get the money with no resistance from AMEX which proves that they recognize their mistake, but my next question was why your software didn't do that automatically ... Hm it is easy because foolish my loss and them win free money. I do not think this is fair either. .... and the authorities should force them to refund the money back.

I received invitation for Amex Platinum card as well Kingfisher Platinum. On replying, Mr. Amrinder (9212150706) contacted me and on meeting he convinced me to go for Amex Platinum as it has got much more benefits than Kingfisher. Then I told him that I would pay just one time fee of 25000 on Kingfisher, it will be free for life, on which he informed me that on Amex Platinum, I will have to pay one time fee of 50000 and then there will be no annual fee. I gave my consent and signed the form. Now I received the Amex Platinum Card with add on card for my wife and daughter. When I was going through the details, I found that there is an annual charge of approx. Rs. 10000 on this card. I immediately contacted Mr. Amrinder and he informed me that yes, but it will be waived off once my annual charge on this card exceeds Rs. 180000 . When I asked why didn't he inform me this while filling the application, his justification was that I checked how much my average charge on all cards is on which I informed its approx. 20000 on which he assumed himself that on this card, it will be enough to waive off the annual charges. BUT SHOULDN'T HE INFORMED ME OF THIS? I am using platinum card of two other banks which are totally free without any condition. If I knew this while filling the form, I could have gone for Kingfisher Platinum. I am really sorry and disappointed with the Amex Platinum staff.

Now I don't have any option but to ask to return the Platinum cards. It's not that I am not sure if I will charge that much on these cards or not, but it's the point of mis-information (hiding the fact). I am writing this email just to inform that why I am returning/canceling these cards.

Our car was stolen in July, and we applied for the Plat. Card because they claimed to cover the car insurance on a rental. Seeing as we were going to rent a car for 2 months it seemed like a smart move to make. I made sure to call customer service before I ever rented the car. The people were so helpful and told me to simply deny the coverage offered by Avis(except liability). I thought it was too good to be true so I called again. They assured me again that I was covered in PR for as long as I rented the car (as long as I charged it to the card).

To make a long story short...we got into a car accident. When we called to inform them, they told us that the policy does not cover rentals in your home city. We fought this and then was transfered for 3 hours. Then they told us we were only covered for 30 days (the accident occurred on the 38th day). I called customer service immediately and asked their policy again...specifically asking if I was covered for 2 months and they assured me that I am covered for the length of my rental. 4 agents gave me this same info!

Now we are desperate to talk to the manager, but he is always out of the office, at a meeting, or in an important call. This has been going on for a week and a half! We feel like we are being ignored...and brushed off. Even though we have good credit history. They make you feel ignorant..by quickly get a condescending yet indifferent attitude!

About 40 days ago I was instantly approved for an american express platinum business card. I aquired the card because of the low interest rate for balance transfers. I talked to two reps who both reassured me that as long as my credit was good, I would have no problem obtaining the card to do the transfers. So as I stated before I was instantly approved over the phone.

When I received the card, the limit was not enough to transfer my balances. So I called and inquired and they told me to call back in 30 days at which time I should have no problem obtaining an 'increase' to my card. They just wanted to see that I was going to use the card and it would not even hurt to make a payment.

However, when I called, they advised me that I would NOT be able to transfer the balance because of what was on my credit report. Now I am really upset because when I called about the limit the first time, I asked them to cancel my card because I did not need any additional debt. They 'encouraged' me to go ahead and do a partial balance transfer from one of my accounts as there should be no problem obtaining the increase.

The result is I am sure that what the credit report is showing is high debt ratio because they extended me more credit instead of taking the old debt that I asked the to take that they said they approved. So as I explained to them, because of your encouraging, you have in essence generated another bill for me ! This is dirty business and I will do all in my power to pay them off ASAP ! I do not want to do business with a company like this. I was just looking for them to do what they said, to allow me to transfer my debt to a lower interest card.

In May of 2007 Amex Platinum decided to make my entire Sign & Travel Balance due in full without notifying me. I found it odd especially when I went to check my bill on-line, I wasn't able to access my account for over two days. My statement normally closed on the 29th of each month but when I tried the message kept telling me your account is being updated - try again later.

Of course not being prepared to pay the entire bill in 30 days, I did manage to pay the majority of my bill over a two month period. I notified Amex and informed the representative I would pay the remaining balance at the end of the following month. However, when I deposited the funds to pay the final balance, they refused to accept my payment by phone from my Bank Account. Even the representative didn't know why I couldn't make payment and asked me to use another account. This of course, presented a new problem since the account I normally used for my Amex Platinum card is my bank in New York.

Since I deposited the check in NY before I left for my home in Florida, I had to now move the funds to my Florida bank which took even longer to pay them back. Can you believe they closed my account and penalized me because my payment was so late.

They had to nerve to tell me I had to reapply for my card again. And, of course, I lost my 200,000+ miles I had accumulated as I have been a member since 1987. To add insult to injury they denied me for a new card because of my late payment. I am ****** and felt as much as they call you directly, they could have notified me when they decided I wasn't good enough for S&T but to stop my pay by phone option for no reason felt like they were trying to sabotage my payment.

This is an extreme inconvenience since I travel to NY for my work on average every other week. You cannot imagine the hassle of booking flights, hotel and car rentals with a debit card.

I have spent a couple of hours on the phone with customer service and each time they tell me they will review it. Each time they refuse to send me the companion ticket.

I run a small company, and have been using the Amex Gold Business Card for over a year. I charged about $120,000 on my gold card so far and paid off the balance every month in full. I never defaulted on a payment, and was never late.

After about a year, I decided to apply for the Platinum card. I was approved for the card immediately and it was sent to my home. I racked up about $6,000 after the first month on the Platinum card. This is not a lot of charges for me, as I usually spend $10,000-$20,000/month on business expenses.

In my previous history, I have spent and paid off much larger amounts that this with no problems.

Regardless, I get a call from someone at the Financial Review department of Amex. She called me in the middle of the day to inform me that all my cards are on hold and will be canceled unless I send them a signed 4506t IRS form, which is a form that authorizes a third party to pull your income tax returns. Not only does she ask me this, but she talks to me in the rudest manner. I felt like I was a criminal being interrogated. I was outraged.

I decided to cooperate and I sent in the signed 4506t form as requested. I figured it wouldn't be a problem, since my tax returns show over $450,000 in gross sales from last year alone. Since all my charges are for my business, I figure it wouldn't be an issue. I finally call Amex a few weeks later because I haven't got a call back as promised.

They tell me the fax came through blurry and I need to resend. I resent right away, this time from a different fax machine, in case there was a problem with the previous fax machine I used. By the way, I send hundreds of faxes and month and I have never gotten a complaint about a blurry fax from any of my clients.

I don't hear a response from Amex, once again, so I call them back. I am transferred about 4 times, until the rudest lady in the world starts telling me that I need to pay my balance of $6,000 and says things like why haven't you paid your bill? You know we can send you to collections! She even said I can't answer any of your questions. Why don't you pay your bill first. Why haven't you paid it? Are you gonna pay or not? She spoke to me like I was some deadbeat...despite the fact that I charged and paid back, on time, over $100,000+ in the last year alone. After all that, she is treating me like scum over a measly $6,000 charge?

I told her to look at my previous history, and that I couldn't pay because I was locked out of my Amex online account, and I have not been getting statements since that first phone call. Eventually they transfer me and someone tells me they are canceling my card because they never got the 4506t form faxed to them. I explain that I have faxed it twice. I also tell him that I have over $100,000 in my checking account, and have had a perfect payment history on huge payments over the last year and a half. He tells me he can't do anything.

I can't believe that they would treat a loyal customer like this. I have since applied for Visa and MC cards, which treat me much better. I have also convinced three of my closest clients to cancel their Amex cards as well. They each charge about $150,000 on the card every year. Amex will lose a lot of business if they keep treating their customers like garbage.

I lost all my Amex points. I am still not sure if this will damage my FICO score, which is at 725 right now.

We took an Amex Platinum Card precisely because they advertised that a benefit of the card was a free companion ticket when you booked an international business or first class fare. Since I travel for business, this is an opportunity for my wife to travel with me.

Shortly thereafter I tried to take advantage of this offer during a trip to South Africa. A standard business class fare was $7,500 through Delta but exactly the same flight was $11,500 through Amex Platinum. If I accepted this offer it would have meant that my company was paying most of the cost for the so called free ticket without realizing it. In good conscience I couldn't do this.

I called Amex and told them the offer was misleading and that I wanted my membership fee back. I had only used the card once to buy gas, in order to activate it. They refused.

I think the offer of a free ticket is misleading, because the first ticket is so much more expensive than a standard off the shelf fare, it really represents a discount for two tickets but there is no free ticket. It also leads people to defraud their companies if the first ticket is reimbursed by an employer. I feel that Amex is well aware of this issue and is actually trading on it.

Finally, I think it is defrauding the IRS. If I had booked the $11,500 fare and got the free ticket, I would actually be putting the price of the discounted ticket (ie an extra $4,000) in my pocket but telling the IRS it was a legitimate business expense.

I was planning to travel to Vienna from Dullas/Washington with my wife in September 2006. Since I am a business platinum member of American Express, I thought I would take advantage of their travel services which offers two tickets for the price of one.

Prior to calling American Express, I obtained a quote from Austrian Airlines. They quoted me a price of $2510 for one person round trip. American Express's quote was $6824. From my point of view, the most I should have to pay would be $5020 not $13648!

I ended up talking with four individuals in the Platinum Travel Services department, none of which could resolve the overcharge issue. After that, I spoke with a very pleasant lady in the Executive Services department. She was very sympathetic and assured me that the issue would be resolved and to call back in two days.

After two days, she said she was surprised no one had responded and that I would be hearing from them. Two days later no response. I called again at that point and spoke with the same lady who said that the Travel Services department's lack of response was not acceptable and she would contact them again. She advised me to wait to hear from them before purchasing my tickets. Needless to say, two days later, no response.

This time when I called back I received an answering machine. My conclusion: Either American Express does not want to assume their responsibility or are too arrogant to address issues when confronted with them. Maybe they do not want to face potential fraud/abuse issues when a loyal customer (I have been with American Express since 1977.) requests a reasonable answer. Or, perhaps they simply do not care (as it has been demonstrated with me).

After reaching an agreement with AMEX for the payment of all my debt with the Platinum Card (back in August 2002) and having paid everything that was agreed in a shorter time than the initial schedule AMEX agrees that the balance on the account is zero but keeps the negative remarks on my credit history in all the three bureaus classifying my account as BAD DEBT, CHARGE OFF, COLLECTION, etc It is important to emphasize that when I approached AMEX to renegotiate my debt with the card the account was in good standard with no late or due payments. This is the second time I am reporting my case and I did not get any feedback from you in the first time I did it.

I had a Platinum Card with AMEX and was a a good customer of AMEX for more than 25 years in Brazil and here in the US. Up to July 2002 my account with them was in good condition (as I can show trhough the copy of their statements) and I never had any late payment or was considered delinquent in the payments.

On that specific month due to the volume of debts of my credit cards and my fear that I would not be able to make the regular payments I joined a Credit Counseling Service to help me renegotiate my debts with the Credit Card companies and obtain a better and feasible payment scheme. A proposal was sent to AMEX on August 2002 for the repayment of my debt and an agreed amount of $92.00/month was set for this payment. This was a propose sent by AMEX (the amount of $92.00) and accepted by me also through the Credit Counseling Agency.

Since them, starting in September 2002 AMEX has received every single month the agreed amount without missing any month and by the end of 2005 I decide to reduce the payment period and paid all the remaining balance to AMEX. AMEX has confirmed that my outstanding balance with them is zero and that everything that was owned to them was paid.

Despite this fact AMEX has posted in all my credit reports very negative remarks (BAD DEBT, COLLECTION, CHARGE-OFF...) that are causing tremendous damage in my credit history and they refuse to withdraw these remarks saying that they will remain in my reports due to a severe deliquency of my account. I really do not understand why I should be punished for agreeing to pay all my debts and having done so even before the agreed period and have my credit reports damaged for the period of seven years.

I have held an American Express Platinum card (Delta Sky Miles)for a number of years. AmEx advertises that with this card you can get a free RT airline ticket with 25,000 Sky Miles. However, I have tried for 2 years to use my Sky Miles. I have not been able to find a trip using 25,000 Sky Miles, but all trips require 50,000 Sky Miles.

Even then, it is very difficult to find a trip...most requests end up with a message stating that there are no seats available. And, on the rare occasion that you can find a flight using 50,000 miles, the connections are very poor, requiring sometimes two stops each way.

Because of this, I decided to cancel my card. However, I learned that then I could never use the miles I had accumulated because you must charge your trip with the credit card. Therefore, I was convinced to keep the card, but downgrade to a gold card. I was also offered a discount on the yearly fee for the year if I kept the platinum card. I still downgraded.

A few days later I thought about the companion ticket that is sent each year. Even though that is not a very good deal either, I thought that for the first time I might have a use for it. I called Amer. Ex. and asked them if I could still utilize their offer of the one-time discounted rate for the yearly fee. They said I could. I specifically asked if I would receive the companion ticket, and I was told I would receive it in April of 2006. For that reason, I reinstated the card. April came and I never received the companion ticket.

Upon calling, I was told that I would not receive one until the following year because I had cancelled and then reinstated my platinum card.

inititated the closure of the account but American Express refuses to do so.

I have been making payments on the card, and according to my credit reports
have been timely. Every month I find myself having to call American express
at least twice to obtain a verbal payment amt because my statements don't
represent my last payment. I have been told this is the case because my
payments come in after the due date. I have been and will continue to make
payments until the card is paid off, but I can no longer justify or

comprehend the outrageous interest rates that I am being charged.

I
understand if I actually had charges that made up the additional 8-9K but I
did not. This situation is a now also affecting my other card with them. My
personal card, card number 373070704512005. American express is requesting
I pay more than the minum on this card. This absolutely does not make
sense!! I have a sign and travel amount of approx 3k and on this card i pay
the full amount of what I use. I do not carry running balance, because it

is not that type of card.

I have tried to purchase airline tickets online with Air Berlin using Amex Platinum. The airline kindly wrote back and said they could not get an authorization. This, I later found out, was due to security and American Express' thoughts that it was a fraudulent purchase. No luck with the purchase.

Months later, after the flight date, I received 9 separate charges to my account made by Air Berlin. There is no indication of what these charges are for or why they were made. In this case, I wish they would have been as cautious as the first time.

Now going on 5 continuous months of disputing these charges, they continue to appear on my statement. They have been reversed and then have reappeared, only to be reversed again. These charges were never authorized by me and they continue to process them into my statements.

American Express Brokerage started 2000 by offering UNLIMITED FREE BROKERAGE. After transferring over $300,000 (as I'm sure many people did), they have notified us that there has been a rate change to $19.99. They still advertise FREE TRADES but don't bother to inform the consumer that the FREE TRADE offers are to market orders. Market orders will buy you a stock with no regard to the purchase price. This could end up costing you more. Limit orders have been changed from UNLIMITED FREE TRADES to $19.99.

This was not advertised as a limited time offer. False Advertising. I had to take the time to close 12 DRIP accounts, which will now involve taxes, change my investment strategy because I will not be able to take advantage of the present buying opportunity-with the downturn in the market, and will have to make an exit to another brokerage with a better offer. This will cause a timely delay in my investing as my new account goes through its procedures to be activated. It has cost me time, money and emotional stress.