American Express Platinum Card Reviews

On our return, we found a charge totaling over $3000 for a stay at a hotel on Bora Bora that was totally unfamiliar to us. Certainly, it was not the hotel where we did stay. After some investigations, we were advised that the charge on our Amex bill was for a "no show" at that hotel. We figured out that the agent at PTS who we initially had spoken with had cancelled 2 components of the travel package (a second hotel on Moorea and original flight package) but had in error neglected to cancel the hotel Le Meridian in Bora Bora.

We advised PTS of this unwarranted charge and asked them to investigate and advise us when the correction was made. Instead, we have had to repeatedly call for over two months, asking for information and resolution and only in the past week have engendered some interest on the clerical level. Five different conversations, with five different persons have resulted in being told that we have to provide proof that we cancelled the request for booking this hotel. We kept insisting that we did not confirm this package, that it had 3 components and that we are being charged for 1 component of the package, which does not make sense that someone would keep the booking of only one hotel from the entire package.

It is obviously the agent's error and I am sure that there are records of the phone conversations my wife had with the agent constantly expressing her unhappiness with the tentative arrangements and price. I am sure the agent was required to keep some sort of record of the entire package offered and refused but Amex claims that there is not such evidence. The most disturbing element of the situations, is that in spite of numerous requests to step past the clerical level and be able to speak with someone in management who has the skills and authority to resolve this dispute fairly, we have been told there is a 72-hour window requirement before we can speak to someone at that level. Since each time we call we are speaking to a new person, that 72-hr window is endless, a very effective way to frustrate a customer so maybe they will pay up and go away.

I have sent certified mail to the CEO/Gen. Mgr of Amex Travel Services, to the Manager of the generic "dispute" dept. and to the general Amex customer service centers, in El Paso and Ft. Lauderdale and to the day, I have only been able to speak to Celia, another clerk in the "claims dept," for Amex. This was another untrained clerk, who did not even advise me that we were being recorded even though I could hear the beeps and who pretended ignorance of all the details concerning my dispute although in 3 previous voice mails, I had left detailed specifics including the file number of the open dispute. Her sole job was to get me to misspeak so that they can deny the claim. She doggedly tried to put words in my mouth concerning some emails that might have been or might not have been sent to us after we had already verbally advised the PTS agent that we would not be booking through PTS.

I have spent at least 3 days on the internet reading through volumes of complaints similar to mine regarding customers paying high fees for either the Platinum or Centurion card. I can surmise by the scope of these complaints that "there is something wrong in Denmark". To me, it is almost fraud to collect these fees with a promise of better services and yet not honor the "valued" customer with the simple ability to be able to speak to at least a manager when a true dispute arises. Why are these managers and officers of Amex hiding from their customers? I expect, like many of other Amex customers, that I will end up in court, because I am not going to be harassed or frustrated into paying unjust charges.

My payments doubled 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 of 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 the last creditor I pay on the list!

Just now, I received a letter from American Express stating, "your recent actions go against your account and have triggered a penalty Annual Percentage Rate (APR) of prime rate +23.99% for 12 consecutive billing periods. It also says the only way for me to opt out is to call them and in that case my account and any additional cards on the account will be cancelled. Lol, they must be kidding me. What a smart way to treat their paying customers. It's like they are playing this "who is ** game" instead of running a smart business. I have never had a problem having Visa/Master/Discover cards to remove a late charge as a courtesy if it happens only once in a blue moon as we are only human and they should work with their honest paying customers instead of against us.

I'm not going to give them the satisfaction to call them and cancel the cards to possibly affect my credit score. I'm just going to play smart, keep the cards and not have any charges on it ever for my benefit.

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 year’s 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. This in turn has caused my other credit card companies to view me negatively. And so 3 creditors have raised my interest rates, and 1 creditor raised my minimum payment from 2% of the balance to 5% of the balance each month. The only reason I don't pay off this latter card is because I have a lifetime balance transfer rate of 1.9% so paying it off was pointless, but now they are forcing me due to my lowered credit score.

Another time, I tried to link the card to my PayPal account, and the charge of $1.95 was refused. I contacted the customer service again and they told me the card was suspended until I paid the bill of my other American Express card. I tried to explain the payment of the bill of the other card, as usual, will be done on the correct date, but it will be only one week later. Then, rudely, the attendant said that she not could do anything to help me, and the card would be blocked up there.

I contacted the complaint department of the bank 10 days ago to open a claim against the worse treatment, and they asked me to wait three working days to receive an answer. I am still waiting until now. So, this is the cheaper way most cheaper Brazilian banks take care of the clients of the most exclusive credit card in the world.

What mostly bothers me is that Amex lied to my face. Just last week before paying down close to $14k in debt that I had with them on 2 cards, I asked them if my cards would be okay and they said yes, so I paid. Today, they cancelled my Platinum card without notice, making me feel not only like a fool but embarrassing me in front of a third party. 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 48 hrs. I requested they send me some confirmation of my request and the rep said she couldn't. I guess I'm in for more innuendos and lies. If I would do business as they do, I would have lost all my clients and be blacklisted in my niche. I honestly feel violated and helpless by the way Amex has treated me.

With a credit score of over 900, and the fact I always send them their money, they have no business charging that ridiculous rate. I closed my card. Is this type of practice even legal? The whole purpose of charging interest is for them to make extra when the account isn't paid off immediately. There's no reason to raise the interest rate like this. I have had my other Visa card for years and they never raise the interest if your payment is late or even if you miss a payment which happened a few years ago when I was unemployed.

I used my card for some home repairs since I did not have the cash available. These charges were based on the 13.99% and now I am put in the position of paying 27.99% for the time I need to pay the card off. This creates a hardship on me. I could have gotten a home loan for lower rates than this. Also, I was informed that I will lose the rebate dollars for Costco that I have earned by using this card.

Even Consumer Affairs was fooled by this and reported them only in a favorable way in their teaser sentence reporting that they dropped their overlimit charges and ignored the tricks they have played on their own customers. The first increase on Jan. 1, 2009, caused my interest to increase $100 a month. The second charge goes into effect Oct. 1, which will cause another increase of about $75 a month. I have closed the account, but because they increased their rates before the deadline and switched to a variable rate, I can't opt out and stop the increase.

I was upset that there was no prior notice, but I 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 nowhere. 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 whom 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 and that it was simply that we exceeded the last 6 months' 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 the 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 believe, 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 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.

I have no idea what my minimum payment will be since I currently pay around $600-$700 a month minimum. There is no way I can pay this off in less than 1 month (or even pay it down significantly) so what can I do? What in the world has our government done to the banks that would allow them to charge honest, hardworking citizens, outrageous interest rates with no recourse? Please provide me with some help regarding this situation as I am at a complete loss as to what to do.

The representative informed me that the reason for the hike was because the company is financially in trouble. I asked him if they took the stimulus money and he said yes. How is it that a company can take our tax payer stimulus money and then increase our rates so high all at once? This is outrageous, a 7% hike in rates because I have been a good and faithful customer. That will teach me to pay my bills on time and make sure that my credit is excellent!

I figured at worst they would cut my maximum usage on the card to $5,000 and I'd increase my debt to credit ratio and gain on my credit score. On July 14, after paying my balance in full and never missing a payment, I log online to check my card and it's cancelled! The reason? - High revolving balances; I paid all my cards in full! I have $0 debt on anything!; too many inquiries (maybe 3); level of delinquency (I missed one payment on a Banana Repulic card 5 years ago and paid it in full and closed it!)

Unbelievable! My restaurant accepts American Express cards, and the batches not only cost more; but take longer to hit my bank account. Does American Express care that I've been a loyal personal customer and business customer for years now? Absolutely not. I'm so furious I cannot express it in words.

The finance charge will stop only until I make the next full payment, so I will still see finance charge the next cycle. Only 2 cycles late will it stop assuming I make full payment (I think this is what I understand). I told them that was unheard of and it made me feel wanting to cancel the card. The operator said, "Do you want me to cancel the card for you now? I can do that." It made me even angrier that they do not seem to value their customers. However, eventually, she did try to cancel the finance charge for me for this period so that it will not automatically recur in the future. I have Citibank MC and had made a couple of late full payment in my 19 years of history with them. Citi is reasonable and works with you but American Express feels like a predator.

I called and asked to speak with Kenneth Chenault, CEO of American Express and got one of 30 executive assistants, Stephanie **, who despite outright agreeing with me, did confirm American Express' intent to circumvent the changes in the law. I am a Platinum cardholder and business cardholder as well as a Blue holder.

I then went back to the AE Travel screen and booked my flight using my AE reward points, but the optional delivery box would not open and after one hour on the phone with the AE rep and then online trying to get the delivery sorted out, I used my brother-in-law’s US address to send the tickets who would FedEx them to me in Kuala Lumpur, Malaysia. On July 27, 2009, I had an email forwarded from my brother-in law from AE telling me to call AE as there is a problem that needs immediate attention. I called AE Travel to find one of my flights had to be changed. I was on the phone again for 50 minutes with the AE Travel rep who took care of getting my flight arranged and again I asked him to confirm the flights were business class and again he did.

The flight change caused me to have a 12.5 hour layover in London, England, so I told the agent I was an AE gold card member since 1983 and asked if AE provided accommodations for such a long layover. He said no and commented that I have been a card member since before he was born and told me it is a pleasure to speak to such a faithful and good standing customer. I thanked him and asked him to please use my email for all correspondence. He asked for the last 4 digits of my AE card and then I told him my email, which he repeated, and said I would receive an updated flight itinerary. After waiting several days and no email from AE Travel, my husband went online to Delta, as that is who would issue my travel tickets, to check if anything was listed. It was only then he found that all my flights were economy class, and my email address was incorrect on the AE form.

On Sunday, July 27, 2009, this led to more phone calls which we paid for each one and discussions with AE reps Jennifer and Rebecca, who finally checked the AE Travel website and admitted there was a problem with the website and apologized many times for all the inconvenience and frustration caused to us. She then handed me over to AE rep May who said they would get me the business class flights and I would not have to pay any penalty and if we were not happy with the price increase, our card which had already been debited would be credited in full; but first I needed to speak to a Delta rep to get the additional price increase. May contacted Delta and had a rep online, but informed us she was not allowed to stay on the line and everything would be put in the system. We spoke with Delta and were given an increase amount of $2430 for business class and confirmation code **.

We then took a break as we had been on the phone 1 hour and 20 minutes. About one hour later, we called AE Travel again and had to go through everything all over again for most of what we spoke of with the other AE Travel reps; our earlier efforts were not documented in the AE system other than we had a problem with the economy tickets and wanted business class. Nothing was put in about the website not giving the full details. So after another 1 hour and 10 minutes with the final rep, and I think her name is Jacqueline, I was told I would have to go to the Delta ticket counter and pay the difference because I selected economy and I would have to pay penalties. I said no way! I would email my brother-in-law to refuse delivery and we were not going to pay any fees and that it was AE’s mistake because of the website not providing all information and that we expected AE not only to cancel the tickets, but that we would also cancel our AE gold card. She asked us to stay on the line until she checked on the fees and I said, “I’m sorry, I have been on the phone for over 1 hour and 10 minutes now on this go round and since nothing had been sorted out through our earlier efforts, I was not going to wait any longer.” I thanked her and we ended the call.

Never in my 23 years of being an AE customer have I had such problems. We now note that the AE travel website has been corrected and all the important information, which was not there when I made my booking, is there in red lettering. But as I said in the beginning of this letter, we have a printout of what was on the site when we made the booking. Since this we received another email from Amex to log in and check their secure email for my reply. I did and all it said was to call an Amex Travel rep. I did and spoke with Hector and again after rehashing the same old thing, nothing was done. You would think 23 years of service would stand for something, but I guess at the end of the day all they care about is not their mistakes, or customers, but money! I cancelled my 23-year membership and shredded the card!

Today, August 6, 2009, another email from AE saying to log in and check their secure email website. I have done that for the past 3 days and it is not working. “Sorry, but we are having temporary difficulties. Please try later.” I contacted Delta as that is who AE booked my tickets with and Delta said they can do nothing to speak with an AE rep! Thanks for the space to vent.

Prior to filing bankruptcy, I contacted my creditors to try to arrange a payment schedule to avoid bankruptcy; and Amex was one of the creditors who was hard-nosed and refused to make any such arrangements. So I too had no other choice but to go equally hard-nosed and file bankruptcy. The bankruptcy no longer shows at all on my TransUnion credit report and only shows on my Experian and Equifax credit reports as Account Status Closed, Closed by Credit Grantor\Consumer Credit Card, Credit Line closed-grantor request-reported by subscriber, Pays account as agreed, Paid Satisfactorily, High Balance $1,018, Balance $0, Past Due $0, when it shouldn't show at all by law as I understand it, after 2+ decades since the bankruptcy was granted by the court. (In fact, it should have been gone after 10 years.)

Therefore, please be advised that I legally decline this offer, and I will if necessary file the appropriate complaints with Amex, the credit bureaus, the consumer agencies, the BBB, the FTC, and the Court.

My balance was $16k, but with all late fees and accrued interest, I now owe $20k. 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 monthly interest. After this, now every creditor has reviewed my account and cut my limits in half, though they were being paid on time. This is not right, and now I understand why people do not pay their credit card bills. Any assistance would greatly be appreciated, as I had every intention of paying. But I'm appalled at the decisions by the credit card companies. They don't care not one ounce.

I don't understand how they could close my account without any late payments and debts. I am thinking that 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!

On July 22, I called customer service who explained that the American Express computer system does not make any payments for 30 days after changes are made to the auto-pay setting. However, no such warning had appeared when I had made those changes; hence, I had naturally expected auto-pay to pay the bill. When I complained about the circumstances, the customer service representative credited me for the finance charges and late fees that had been assessed as a result of the nonpayment, which was the result of auto-pay. I paid off the entire bill on that date.

On seeing my July bill, I was shocked that finance charges of $39.10 were charged to my account on July 29 despite the fact that I had paid off the entire bill in July. According to customer service supervisor Ricardo **, this charge was still being accrued from the non-payment of the June bill (because auto-pay did not pay it). He refused to credit my account for the finance charge. Given that this finance charge was accrued because auto-pay did not pay any of the bill in June (despite my having set it up to pay the minimum amount previously), and charges related to this problem had been taken off the account, I find it absurd and unfair that I am being charged this finance charge.

Immediately, the charges poured in and the interest rate went into the double digits. Since then, we have spoken with numerous individuals who have agreed that this oversight doesn't warrant the penalties. However, their "review board" refuses to reduce the interest rate and I now pay over $200/month in interest charges. During one phone call, I waited on hold over 45 minutes for a supervisor. I finally hung up. They also reduced my credit line. This is a gross case of gouging and taking advantage of circumstance.

When I contacted American Express on July 12 and July 14, I was told that I could not have my miles for domestic frequent flyer miles programs because they have no way to charge me for the $75 excise tax fee for transferring award miles. This is preposterous. I don’t have an American Express card, so I can’t charge it to American Express, they won’t allow me to use another American Express card member’s card to bill for the $75, they won’t except payment from Visa or MasterCard, they won’t accept payment from my checking account (but they did when I paid all my bills for the past 15 years) and they won’t accept any other form of payment other than an American Express Card in my name. This is wrong and manipulative!

I want to transfer my mileage award miles to Delta Airlines. American Express would not let me do so until my account was paid in full, yet my card was canceled by them prior to paying my account in full and now they won’t let me have my miles. I have my award miles sent to Delta and they have me pay the $75 excise tax with another form of payment.

Well long story short, I pay the debt off and debate with myself whether I should cancel the card or keep it. I decided to keep it. Ten days later they sent out a bill with my annual charge stuck on (funny as I became a member after August, 3 years ago), showing that I now owed $108 more. The day after that, they sent a letter showing that they had a periodic review of my account and deemed it necessary to cancel the card. So not only had I paid the amount in full they now wanted to charge me at the close of the account - after I moved heaven and earth to pay them back. However, while I owed them money and had actually requested for a review of my account 5 months ago, they did not close the account. No, instead they said that I would not be capable of paying back how much I owe on a monthly basis.

Never mind the fact that I had paid off two other cards in that same month or the fact that I had not used the card since I paid off my debt and so in essence, they deemed me a risk at paying back 0 dollars. The simple truth is, that having felt the sting of overabusing my credit, I was not more likely to fall into those same habits again, which actually works to the detriment of the company. They make their real money off the clients that do not pay back their balance in full. Having a responsible person basically pay in full before they can accrue interest and allowing them to have lucrative deals on their airfare would indeed cut into to their profit margin. Is it no wonder that quite a few people are finding their credit reduced or their cards cancelled, when by all accounts they are doing the responsible thing. Had I not settled my debt, I would still have the card.

About 2 years ago, I was talked into using American Express for everything; parts utilities anything I could think of. They called some of my vendors who did not accept amex, the reason they should, and used me as an example. All of the time, I started building up good mileage. Use it a few times, but was saving most of it for when I retire. It was up to 400,000 points.

Last year, I had a state tax lien put on my credit, it was there for a few months, it has been resolved. But they took that opportunity to bail out on me. They closed my accounts without notice so I could not touch my points, and they told me I could never get them back. It is in small print that they could do that.

After some time passed and my point where gone, they offered me another card with a $500 limit, they want to start over. They're 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 it went another 20 years using their card and got hurt harder when I really needed it.

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 will never reapply to them again, too bad. Everyone gets a bailout, but the business people that keep everything going. Then they asked me if I'm an American citizen. What an insult. The real insult are the customer service reps from India and the Philippines or whatever. They should call themselves sorta American Express.

Then on June 26, with no warning, my card stopped working. When I called on June 27, I was told that American Express had put a hold on my card because they had not yet received "requested financial information" from me. I explained that no one had requested financial information from me, except Ms. **, who had never called me back. After speaking with a second person on the phone, I received an email that said, "American Express recently requested that you complete and return". At that point, American Express had requested nothing from me. As mentioned, I had been told I was pre-qualified, with no set spending limit, for the card that I received. And although Ms. ** indicated that they would be seeking some additional information from me, she failed to call me back, never mailed or emailed a request for information and did not alert me to the fact that my card would be frozen.

American Express was wrong to shut off the card without warning. I have an excellent credit rating and had never experienced the humiliation of a store clerk telling me that my card was rejected. Ironically, I had originally had a wonderful conversation with the salesperson who got me started on the AmEx card and I was intending to, and had already started to, move most of my business expenses from my Visa to AmEx. Unfortunately, now these monthly expenses, including several that are key to my business, are now bouncing because of the hold put on the card. I called to complain and again, was unable to reach Ms. ** and was told by two different people that they could do nothing to help me and that it would take at least three days to process the requested documentation once I faxed it to them.

A third supervisor (whom I reached only after multiple calls) finally stated that she would temporarily add $3,000 credit so that immediate bills would not bounce. However, the damage was done. In less than a month, American Express trashed a credit rating I built and preserved for years. They had no business saying I was pre-approved with no set spending limit and then putting a hold on the card before the second bill even came due. In fact, I paid the first bill ahead of the due date and was prepared to do so with the second. Their practice, in this case, was fraudulent and their customer service was utterly and completely lacking.

I then paid down the card approximately $5,000 resulting in a balance of approximately $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 approximately 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, longtime cardholders.

Additionally, just four weeks before the cancellation, AE charged my account a $75.00 renewal membership fee. I called American Express to request for my reward points, and at first I was told that for a $25.00 fee, my points could be reinstated. I agreed to the fee, however, minutes later, I was told by an AE customer service agent that "our system is not letting me do that" and suggested I write a letter to the rewards department in Fort Lauderdale, FL, reassuring me that if I write the letter, my reward points will be given back to me to utilize in the very near future.

Since then, I have called AE numerous times, wrote a letter, and faxed a letter to AE, requesting my reward points, and the annual membership fee to be returned or credited back to me, but have not gotten any replies from AE. The funny thing is, although months after AE closed my account, I am still receiving monthly statements from American Express, with zero balance due, but with a $2,100 total available preset line, a $1.05 credit balance, and 110,345 available membership points.

I feel that American Express stole my hard earned points from me, has charged me an annual membership fee in October 2008, and canceled my card in December 2008 without crediting it back since. I am very upset and outraged by these facts! I feel that American Express not only stole my points, and has criminally charged me for one year's worth membership that I no longer have, but it has also put me through months of stress, as I was bounced back and forth, by American Express, calling them, and writing to them, trying to get my issue resolved without getting anywhere.

Furthermore, I feel that I was teased and insulted by having to open monthly statements from American Express reflecting an open account, when in fact American Express had closed my account months earlier! At this point, I want American Express to return my rewards points along with the annual membership fee. I would like an attorney to contact me.

The reward points this year were to be used to buy necessities for my company, and give gift cards to my hardworking employees as part of their holiday bonus. I was counting on this especially because of the bad economy, and actually used my card to charge items (purchases that I could had paid cash, knowing that come December 2008, I will utilize my points).

In addition, I asked for a supervisor to explain why I was getting a call for payment that is not yet due. As a result, no supervisor or any manager is available at that time from top to the bottom. All my AE cards were suspended after the call. I called them back asking why my personal card (with a credit balance) was suspended. They explained to me it is the same profile. I don't understand how AE has the right to take hostage on my personal card which has a credit balance, to push me for payment on a business card which has 10 days to the due date.

Today, I received a letter from AE again saying I have an outstanding balance. The issue date is June 18. I checked the account. I have $4.59 credit balance on it. How the hell can this happen? What should I pay AE? I am so frustrated with this company's business practice.

I am very frustrated and I cannot focus on my work due to this experience. I knew they charge high interest rate so that I was very careful to ensure the payment required get paid before the due date. I am a Costco customer and I need this membership card. With this experience, I feel upset every time I go to Costco with my AE Costco rebate card.

I called them up to find out where they based their decision. I figure at least I still can use the card. Then 2 weeks ago I tried to use the card to buy gas on long trip. It was declined. I tried it again (same journey, different state) to purchase gas. Same thing. I called customer service and they said my card is cancelled. Same reason. It’s because of my mortgage being delinquent (still under modification). Again, I tried to be rational about it, so I just asked about the cash rewards that I have and they said I will have to call the department.

I received a letter by mail about the same thing. It now says I have 90 days to call and redeem my rewards or they will forfeit it. I just called them today and the person I spoke to says he can not do anything because my card is already cancelled. Now, this is really something. I never heard of this kind of bad customer relation suppose to be with AmEx. But I guess I’m wrong since I now find out how many people are complaining about the same situation that AmEx did to me. I for sure would join immediately any class action suit or complain action against American Express. I also am thinking if I should still renew my executive membership with Costco since they are affiliated with them as of this time.

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

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

We have filed several fraud cases with American Express, but they have repeatedly said that it was not fraudulent because there was a signature and the merchant has a copy of his driver's license. Of course, they had the driver's license--the whole wallet was stolen! Amex now wants payment. Citicard had no problem agreeing that fraud had occurred; that stolen card was also used at the same establishment with charges of $20,000. Not only did we not make these charges, but we do not have the resources to pay for what American Express failed to do in the first place, which is to protect the consumer.

The strip club must have been in cahoots with the pickpocket, as we don't see any way someone could spend a total of $30,000 at a strip club! We did not file a police report at that time, and of course, we do not have any receipts. Being up against American Express feels impossible. We just don't know what to do. My credit will suffer if I do not pay. My credit will suffer, if we negotiate a debt settlement. Unless I take out a bank loan, we cannot pay this amount.

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

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

They said based on Experian reporting, my debt-to-credit ratio, etc... Well, I just bought a new car, I have student loans, and a mortgage--all of which are not in default nor do I have trouble making my payments. In fact, I typically pay more than the payments' amounts. They say that I am more than welcome to apply for another card. Hmmm... Strange. Why? So they can then give me a huge interest rate? Why not let me keep my account that I have had since 2000?

I do not see any where in the contract that says they can, or will lower your limit after they allow you to build up your debt, and then charge an over the limit fee. It is really an unfair business practice. My credit report now says that I am over the limit every month, and I am being charged $35.00 as well as an interest of 27% (I have never missed or been late on a payment).

I am perplexed on how they came 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.

After attempting to have my American Express platinum card opened back up, they informed me that they didn't get the IRS forms in the time allowed. The IRS forms states that it takes 60-90 days to mail off the forms and American Express only allow up to 60 days to obtain this information. After speaking with customer service rep, they informed me that I had to resubmit the IRS forms and attorney information again within the time allowed or they won't be able to reopen my account. I informed the rep that nothing will change in the forms sent from the IRS, so I don't understand the issue. She explained that they can't use the information if it was past the deadline even though the information won't be different.

I have excellent credit, with no mortgage, no credit card debt or even an automobile loan with a six figure income. I don't understand why a company like this would do this to their loyal customers. I will never work with American Express again.

I called on June 11th to inquire and they said that they had a new policy and that my account was cancelled due to no fault of my own. I expressed concern about the fact that they were going to add a black mark on my excellent credit rating. I pressed the customer service representative about the mark on my credit. She just kept repeating that their policy had changed, that I had too many open accounts (remember, I have no more accounts today than I had when I opened the account), and that they were canceling me due to this new policy. I pressed her by asking her how AmEx would view a "cancelled by company" mark on my credit rating and her response was, "I am unable to answer that question." I asked for a supervisor and was placed on hold for 10 minutes, during which time I Googled the AmEx cancellations and found this has become their new policy--to cancel accounts in good standing and damage the credit reports of those with excellent credit. I decided to hang up and file a formal complaint.

How can that be when the account is $0.00 balance and has never been late or even used for that matter. If they want to close the account, fine- but why threaten me and create a cause that it's the customer's fault when it was simply their decision to close the account.

This company is losing good customers by doing this and hurting the people that have been faithfully paying their payment on time. This is going to hurt my credit score, and I did not do anything wrong!

Auto pay is designed to generate late fees and finance charges. Sign up takes 45 days, any changes you need to cancel and re-apply and that takes another 1.5 billing cycles. AmEx computer pay site and auto pay are not linked. So your bank account info such as default bank will not be same as auto pay (if you have more than 1 bank account). Two separate companies, yet on same site! AmEx is behind the software update time frame. Also notice when you sign up to auto pay it defaults to the 20 day payment date. That is designed to generate last day to pay bill, so if there is a problem, too late for you to phone or do a computer payment. You're zapped with late and finance charges. I even tried to pay ahead and AmEx won't take the money. For email addresses, go to corp. site and look at media contact to get email format and then to corp management site to get names!

I did contact first the telephone hotline with the reference number from the confirmation which I got meanwhile in printing. My account was deducted by the amount and the money was sent. The very next morning I went to the Seeb branch to check again the details of the transfer. I was talking to the manager and he confirmed all data sent were correct. I told him to investigate where the money was sent to, and why AmexCo did not receive it. He promised to update me the very next day.

Five days later still no reply. I went again to him. He replied that as he did not had an update, he did not call me. I was very upset and told him I was previously working in an international bank and if any bank receives money which they cannot transfer to the beneficiary, they have to sent it back the very next day! So where is my money? He explained something about the way the money is sent from Oman via New York to London to arrive finally in Frankfurt. Absolutely nonsense!

So the mistake is with AmexCo. The next 10 days, I called AmexCo twice a day to check and HSBC to find out what is going on. On May 15, the manager called me and said they had found the amount at their branch in Frankfurt, where it was the whole time. Due to a software update in Oman, the money was deducted and sent without any information about where it should belong to. Why it was stuck there for now 6 weeks, he could not explain. I will cancel my account on the next opportunity. Definitely!

I called AE back and spoke with Helena, the manager of Credit Operations. She continued with the derogatory info accusations and said there was no other supervisor to speak with. She would not share her info. Instead, her resolution was for me to call Experian and write to her supervisor (who doesn't accept phone calls). She also noted on the account for upper management to call us in the next 7-10 days or "possibly longer." This treatment is unacceptable. Their calls are recorded. Please help!

As several of the comments posted here, I have been a client of American Express since 1991, not missing any payments ever. The supervisors I spoke with did not give me any reasons, other than my credit history that, as I explained, it was not true. Also, a letter was written by American Express the same day of the cancelation, according to them, but I have not received anything. As I was in the middle of the trip, I had to borrow money from customers, in order to pay for my expenses. Also, another card will take a while to be released, and my travel schedule is pretty intense, and I cannot afford to travel without a credit card.

3. Inappropriate treatment and harass customers with non-English native speaker, with bi-standard judgment and harassing words using their fluent but unnecessary country accent.

American Express became a monster who thinks they can control and manipulate customers to fulfill their greediness.

I was livid and insisted on speaking to someone else. After two more "some else’s", I was told that my card was canceled because of a recent 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 didn't 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%. I'm 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? I'm not a litigious person, but I'm thinking I would make an exception in this case.

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 cannot 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.

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 could 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 their credit cards.

In October of 2008, they lowered my credit limit without warning from $20K to like $1,300. 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 $1,300 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. If this is the case and it affects my rating, I will be pursuing legal matters. I recommend everyone to communicate their AMEX experiences to newspapers, social media networking sites (Twitter, Facebook). 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 is 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! I 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 riddance!

In addition, every time I was able to reach an AmEx customer rep, I would receive a different answer to my inquiry. One of the rep specifically stated I had a public record on my account. After ending my conversation with her, I immediately went to Experian website. After reviewing my credit summary, there is no indication of a public record. On my fourth phone call back to AmEx, I was told by another rep that no public record was listed as a reason. With such inconsistencies and lack of care to me as a long standing loyal cardholder, I cannot say how disappointed I am.

I truly forgot the bill, and within a day after the due date, I got a harassing 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 the payment out today, my mistake. Two days later, she called after 9:00PM EST and began to harass me again. And this time, she stated she would ruin my credit if I didn’t get that money immediately to them. I informed her that (1) she is calling after 9:00 EST and she has violated numerous laws and (2) I do not believe that being a member for 40 years and being late one time on $206.38 is a big deal in the scheme 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 still wanted the card cancelled. They did.

About a week later, I received a call from the President of AmEx Platinum apologizing for the service, etc., asking why would I cancel after 40 years. 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 associate’s rude behavior - that is what did it.

We have called American Express in several occasions seeking explanations about why our payment cycle is changing constantly and why we need to call every month to set them back up again to where they were. For 10 years, we never had these types of problems and, all of a sudden, it shows that we are late all the time. We have canceled all of their cards and we are making the last few payments to bring those accounts back down to $0.00. Nevertheless, we are being called and harassed every day by American Express to make faster payments with a higher interest rate. Even though our balance went down to $4000, our payments have tripled.

Every time we called American Express to talk about these issues, we have been transferred to several agents with no clue on how to solve the problem. It does not matter who we talk to in American Express; we cannot get any of our complaints answered and the situation resolved. As we stand today, we continue to make our monthly payment like we were, but American Express keeps piling up late fees on top of late fees making our balance go up instead of down.

Today, April 29, 2009, the card was declined; I was told it was canceled. This was humiliating as it happened in front of family and friends. I was never late with AmEx, and they have not lived up to their end of the bargain. I am not sure of the selection process that AmEx 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 upset? Hell yes. The people on the phone that you are trying to reason with saying this don't make any sense at all? They can’t wait to be abrupt and get you off the phone. I will go out of my way to tell everyone I know to do away with their AmEx as it seems like some of the others who have received taxpayers’ money to survive believe they are untouchable. Consequences: my clients question the validity of my business. It may cost me revenue.

Two weeks later, the money showed back up into my account. The harassing phone calls continued for lack of payment and now breach of our agreement. Call No. 3 - They, Amex, insulted my husband and told him that the call was none of his business. I received call on cell and email (that I printed) saying I was late for my payment. I asked 800 person to check notes. They apologized and said that there must be a mistake - mine that it showed that my payment did not clear.

I just received a letter two days later that my agreement was breached and my account will be sent to collections. Gee, more harassing phone calls. I have written down representatives’ names and numbers but they claim they have no authority to help at their level. The saga continues. PS: I checked today and the payment was deducted today on schedule. I am ready to sue under the Fair Credit Act. Any CA attorneys willing to take?

I told her that the limit was reduced so much that it would make it impossible for me to travel for my job. She informed me that the only choice I had was to pay the balance down so I could work. When I asked why AmEx would do something like this to a cardholder that never paid late, always paid extra and had excellent credit, I was told it didn't matter. Their decision was final. Then she asked me if I would like to apply for another card! I said, "Wait a minute. You've essentially told me that I'm a bad risk and must have trouble making payments on the balance I do have and yet you are offering me another card with another balance? Why not just leave the balance where it is?” She then parroted the same lines about paying down the balance or getting another card.

Contrast this rude treatment with what I received from another card company two years ago when they wanted to increase my interest rate, the person I spoke with told me it was due to my debt/income ratio. I explained the balance was high due to college expenses for my daughter and that they could see that I paid all of my bills on time. After discussing things awhile, he said that they would monitor my account for three months and make a decision then. In three months, not only did they not increase the interest rate, they lowered it! But the main thing is that I was treated fairly and was listened to. If they had still increased the rate, I wouldn't have been happy but at least they had treated me fairly and listened.

AmEx has made a very stupid decision in treating their good customers like this. They make a lot of money off the interest I pay them every month. I would have thought they would want to make money - I guess not. Well, AmEx, I did apply for another card but it wasn't an AmEx. Yours is sitting in my desk drawer never to be used again. BTW, AmEx, I was talking to someone at work on Friday and telling them about the shabby treatment you're giving everyone and they said they were about to apply for an AmEx card but not now. So there's one new customer you won't have. I wonder how many more people I can keep from making the mistake of doing business with you. And AmEx, you can bet I'll tell everyone I can.

On Apr. 8, said customer brought his RV to have the new windshield installed. He said that AX had misquoted him in the dispute and he apologized. After the windshield was installed, the customer called AX to release the dispute. He also signed a release with us that he would not reopen or initiate a new dispute regarding this matter/charge. When I had not received the additional monies that AX had been holding by Apr. 17, I called AX. I was told by Jenny that they were going to continue to hold my company's future processing of funds for 30 days as said customer had 30 days to file another dispute. Can AX really get away with this? The banks are getting harder and harder to deal with and my small business is suffering because of it. Is there anything to be done? I feel this is highway robbery and I am tired of being told that there is nothing I can do.

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 Express stock has gone down! Would you buy stock in a company that does not trust in the American people? Thank you so much for reading this! 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! We believe in us! We have to believe that our government will stop the misuse of the misfortune of so many of the real people today!

Let me know if you would like to hear more from me regarding issues we continue to deal with. I am the squeaking wheel for now! Also, if you have gotten this far, that means someone cares and will help! FYI, regarding Ford, their credit department refused a repayment plan for our repossessed truck! After giving us street value, it left a balance still due to them of over $8,100.00. This truck will have cost us $22,000.00 and they resold for $11,500.00 or more! The truck is not in my driveway; however, I tried to set up $100.00 monthly payments until paid. They said they did not want to carry me on their books for that long!

So now I have an attorney coming after me for payment. Now, see why they are needing government assistance. I just wanted to let you know because I am watching out for your backs! Are you watching out for the Americans’ backs? Truly, a real American who is in distress and wanted to let you know the life rafts on our American ship seem to have all been passed out! We are bailing out the water as fast as we can to keep us afloat! Remember the sail, as well as its crew, always goes down with the ship. Please grab a bucket and help us keep our ship from sinking! I know we are not alone. Now, it is left up to you!

We have had an account with American Express over 5 years. Four months ago, we have received notice from American Express that they were lowering our credit limit. To be fair, I was a week late on a payment two months ago due to having misplaced the bill. Other than that, I don't believe we have been late or over the limit since being a customer. We had just made a large payment ($1,225) before receiving this cancellation notice. Our balance had only been $1,249 and our credit limit was $1,800. We don't think this is right that they will make a negative credit report on us, when the information they used to cancel us was partly created by them from lowering our credit limit in the first place.

I have reviewed our other credit accounts and did not find that they were close to the limits. We called American Express and spoke to two people, one of whom was a supervisor. All they did was restate what was in the letter, which was not very helpful. The worst part was the negative effect reflected on our credit report, which has already happened due to the fact that they lowered our credit limit down almost to our balance.

I was so fed up with getting this solicitation every month, so I gave them the information. But after I hung up, I felt like that's unbelievable that I have to give out that kind of information just to be left alone from these vultures. Now, thousands of others will have my personal information and it was done supposedly legally by American Express, Experian Information Solutions, and Equifax as stated on their terms and conditions which I did not even agree to.

Does a person have any rights at all anymore? I wish there was a way I could take legal action against these con artists that stole my private information and I'm sure will be using for something.

Recently you contacted us requesting enrollment in the Extended Payment Option on your American Express Business Card account. Unfortunately, we are unable to approve your request. What does this mean? You can continue to make purchases with your card as long as your account remains in good standing. Purchases on your account are due in full upon receipt of your billing statement. Your account will be reviewed periodically and if it meets our activation requirements, we will notify you.

My complaint is that I did not contact them to request an Extended Payment Option. However, they did contact me and wanted me to pay down my credit card. I was not late on any payments and I have been paying the amount that is requested or above that amount ever since I opened the account in 1982. I explained to them that I pay what they require of me from their monthly statements. If they want more money from me, I told them to increase the statement amount that they want me to pay them. I said that I had already scheduled a payment online for the amount that was due and that I will not pay them anymore at this time.

Then I received the letter from them that I think is illegal for them to do and why I am contacting you. It is my understanding that a credit report cannot be requested without the permission of the consumer? I contacted AMEX and they agreed that their records did not show that I requested an Extended Payment Option or any other product that they offer. They did not understand why I was sent the letter, but told me that someone from Credit Services, who sent me the letter, would call me on March 27, 2009 to explain why it was sent. However, no one has contacted me about my concern. If you could help me with this issue, I would appreciate it. Thank you for your time in this matter.

What difference is it to them if I am paying my account as I should monthly? I was trying to make my payments online and couldn't access my account. When I called the customer service (not sure which country because very thick accent and hard to understand), they told me my cards were cancelled and placed with a collection agency. What in the world? I was not notified of any of this, plus I was put into collections? I was just going online (before the due date no less) to make the payments.

Like several others, I have always felt privileged to have American Express cards. No longer. They seem pretty shady now, and I will never go back even though they keep sending me letters asking me to come back for a small and ever-changing fee. Please! Any class action suit would be okay with me even though I would normally never ever think of suing anyone. I have worked incredibly hard to maintain a great credit score, and with this blemish I now have problems. It's just not right. I went in to get a car loan and was denied. I haven't been denied for anything in over 20 years. My credit was always perfect and now with this from AmEx, I now feel like a low-life. The guy at the bank said it is denied because of some negative reporting from American Express. It shouldn't have been reported to begin with though.