American Express Merchant Services Reviews

Now that we have had several checks returned due to this charge-back, we will never take AE again. The card holder finally called and changed his dispute to satisfied only after I went to his office and pretty much told him how he was a thief and I would do everything I could to press criminal charges for such. It was simply fraud by him. Being in the service business, this seems to be a lot more common. We just received another one that he feels he was over-charged (Sunday night emergency service; no plumbing at home due to a broken sewer line). We gave our price. He agreed and we repaired. Afterwards, while using his plumbing he thought, “I think I could have got that done cheaper!” I’m disputing. He even puts an amount that he feels it should be!

Who protects us? The merchants? For these reasons above, we should be allowed to charge for the risk of customers like the ones mentioned above. Once they dispute, the money is removed from your account and you have to plead your case to get paid. If you lose, they get the money back and all the material and equipment you installed for free! It’s simply not fair and we pay for this treatment! Not anymore. Every time you call about anything there, you get different answers or reasons. I was disconnected four times today when I was being transferred to different departments.

American express refuses to cooperate with us, making claims that they did not receive all necessary paperwork from us. We submitted all the papers they asked us for on time, they probably lost it or misplaced it. They do not want to reopen the case, talking to any of the managers does not help. Again, the system that was returned to us was abused by a customer and has zero value. All we ask for is to reopen the case and use common sense in resolving this issue.

The computer system is useless and we cannot resell it, so it's lost money. The customer basically used the system for free. Our company policies try to protect us from customers like this, but American Express will not listen.

This policy is unethical and unfair to the merchant as now the merchant has lost the discount fee for an item that was returned. This item now is less profitable than the rest of the merchandise. This is unfair to the consumer as well as they will possibly face penalties for returning items purchased with Amex. Therefore the consumer will not have a choice and be forced to pay cash or visa/mastercard. I feel that it is similar to not be refunded the sales tax for the return of merchandise.