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American Express Platinum Card Reviews

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1,624 reviews
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About American Express Platinum Card

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American Express Merchant Services delivers payment processing and merchant account solutions. The company offers credit card processing, point-of-sale systems and fraud protection tools for businesses of various sizes, while integrating secure payment technologies and customer support to enhance transaction efficiency.

Visit www.americanexpress.com
Pros
  • Excellent customer service
  • Valuable travel benefits
  • Strong rewards program
  • Reliable fraud protection
Cons
  • High annual fees
  • Limited acceptance at some merchants
  • Complicated rewards redemption

American Express Platinum Card Reviews

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    Page 11 Reviews 1280 - 1430

    Reviewed April 6, 2009

    I disputed any/all charges from Authorized Movers because they did not move my furniture as the contract stated. They kept it in their warehouse and charged us storage at $225 per month. Each time I disputed this with American Express, Authorized Movers would send a copy of the contract for moving. There is no contract for storage which was the purpose for us being charged. In addition, there is not a statement in the contract that provides that they keep the items for storage when the intention was to move the items. The storage was done without my approval. American Express is not representing me properly when they did not read the contract on my behalf. This is not what is stated in the contract I had with American Express. They are not acting on my behalf.

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    Reviewed April 6, 2009

    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. As I tried to use the card today, it was denied because without notifying me they decided I would have a $5,000 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 forfeit the 117,000 points and not be eligible for the 750 pending and not receive anything for the balance as I pay the $13,000 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 overdrawn. They charged me 11,000 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.

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    Reviewed April 5, 2009

    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. Please contact if you know how we can go about starting one. Thank you."

    I left that message on a board online after I discovered that there are several people who are being screwed over by American Express. This is the only credit card my husband and I own and by cancelling it, American Express is wiping out a significant amount of our credit history and impeding our ability to get a house. Please advise if you know of any class action or of anybody that would be willing to take it on. In the meantime, we are getting ready to talk to the press.

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    Reviewed April 5, 2009

    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. 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. Please contact ** if you know how we can go about starting one. Thank you.

    I left that message on a board online after I discovered that there are several people who are being screwed over by American Express. This is the only credit card my husband and I own, and by cancelling it, American Express is wiping out a significant amount of our credit history and impeding our ability to get a house. Please advise if you know of any class action or of anybody that would be willing to take it on. I found your information on amexsux.com. You can read about this new phenomenon from customer comments on my3cents.com. Just search "American Express class action". In the meantime, we are getting ready to talk to the press. Thank you.

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    Reviewed April 4, 2009

    I have both an American Express Corporate Card and an Amex Blue Card. My first negative experience was with the corporate card. When I took a client out for a meal, I went to use my Amex card; it was denied. Since I knew I had $3,000.00 available credit, I could not understand why my card was declined. I contacted Amex after arriving home; I was concerned that there may have been fraudulent charges. I was told they had cut my limit to $1,900.00, and no, they had not sent a notice but I would get something shortly in the mail. I explained I had never missed a payment and in fact paid 2-3 times the required payment. My income in fact had gone up. The person on the phone was rude and basically said, “Too bad, the decision has been made.”

    I now use my other cards for business. The latest was my wife’s Blue Card. This card has also never been late, and we have always had payments that were 3-4 times the required payment. We just received a notice that not only were they canceling the card, but it would also result in a negative on our credit report. My call to American Express was a waste of time. When I contacted Amex, they were rude and said, “Too bad, that is the way it is.” They believed that they have every right to put a negative on my report since they were canceling the card.

    My last statement prior to cancellation had a due amount of $25.00; I paid $750.00 cutting my total balance in half. How dare they put a negative on my credit report?! We have never been late in paying any of our bills and have impeccable credit. Where do these people get off doing this to people who pay their bills on time? If anyone is interested in doing a class action lawsuit, count me in. I have had it with Un-American Express and will never do business with them again. Consequences: negative reporting on my credit report and embarrassment when entertaining a client.

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    Reviewed April 4, 2009

    I have an old bank account I don't currently use. I'm just paying off a credit line so I can close the account. This month, I had a $5.95 charge made on my checking account which caused an overdraft, which is why I noticed the charge. When I contacted my bank, I was told it was an American Express Collections charge, and they've been taking money from my account for the past three months. I have never done business with American Express (and certainly won't now). I have never had an AmEx card, never cashed a check from them, never purchased a product or service from them, and never took their cards when I had my own business. I have absolutely no relationship with them. I have no idea where they got my bank info, my routing number, my bank account number, but I am seriously displeased about this. These were unauthorized charges. The info didn't include a phone number for me to call, no way to contact AmEx, no explanation. They've just been dinging me for months for little bitty amounts hoping I wouldn't notice, and now they've overdrawn my account and cost me even more money.

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    Reviewed April 4, 2009

    I had a credit card for my business; I used that to purchase all of my tiles, granite and gas on. I put about 15-20 thousand dollars a month on it. I was late about 30 to 60 days and right after I paid in full and $70,000.00, the card was cancelled and I lost all my points, approximately 4 round trip tickets worth to Europe. This happened a few years ago when the economy started to decline. All I am asking for is the points to be given to me since account was paid in full.

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    Reviewed April 4, 2009

    We are a merchant for Amex. A mutual customer of ours gave us their card to charge for parts we purchased for them. We had a contract stating what our business agreement was. The mutual customer then disputed our charge with Amex claiming fraud. We went back and forth with Amex with documents for over a year. Finally, Amex refunded our money and the claim went in our favor. Then I got a call from Amex Collections demanding we pay them because they reversed the charges and paid this consumer back. They are threatening our business and stating we won't be able to use M/C or Visa cards in our business. The collection person is extremely rude. What are our rights? The Fraud dept. at Amex said if the customer continued to dispute this, that she had made her decision and the case is closed. That is not what is happening.

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    Reviewed April 3, 2009

    American Express has informed me that my merchant account will now be in Immediate Full Recourse Program which means, that they will immediately and irrevocably charge back the full amount of the disputed charge, without contacting me or sending me an inquiry and I will have no right to present any written response to dispute the charge.

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    Reviewed April 2, 2009

    I have been an American Express card holder since the year 2000, and I have worked extremely hard to build the credit that I had. I currently have three credit card accounts with American Express. On my Blue Credit Card, between 10/17/08 and 11/18/08 statements, my credit line was reduced from $48,000 to $40,000 (17%, within $750 of my balance). During the same time period, they imposed a $1,700 credit limit on my One Credit Card which always had been unlimited. I had charged and paid each month more than $2,000 consistently for years on that card, and now I had to scramble to move automatic payments. I had several charges declined after the limit was set and was left with egg on my face.

    After calling customer service several times, they said this was due to a credit review and there was nothing that could be done about it. On 4/2/09, I was notified that my Blue credit line was reduced from $40,000 to $9,600 (76%, within $200 of my balance). After calling customer service and speaking with a manager, they said this was due to a high debt/credit ratio and there was nothing that could be done about it. I have never made a late payment, and I typically pay much higher than the minimum payment.

    At a minimum this is horrible customer service and at a maximum, they have severely impacted my credit rating by increasing my debt/credit ratio. My debt/credit ratio has not changed dramatically in over a year, and my credit score is over 700. What they are doing is completely arbitrary. I would not be surprised if they lower my limit again in the near future as they are now creating a self-fulfilled prophecy by manipulating my credit.

    From the research I have done, there are hundreds if not thousands of customers being affected in the same way, and I am looking for a class action lawsuit to join if this cannot be resolved immediately. I am so unhappy that I want to immediately cancel all of my credit accounts with American Express. The only reason I have not is it will hurt my credit scores even more. Please help! I have lost the credit that I had and cannot get credit now that my debt/credit ratio is so high due to American Express deleting over $40,000 of my credit arbitrarily.

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    Reviewed April 2, 2009

    We were just notified today, 4/2/09, by American Express of an additional credit limit reduction - now having been done by American Express to us numerous times in the past several months. Our accounts over the years have always been in good standing. We've appreciated services of AMEX but are most unhappy over these many thousands of dollars now in reductions of credit lines that had been available to our business (diminishing the usefulness of the accounts dramatically). Our multi-generational family business has been able to continue through thick and thin since the 1930s. We plan to continue on with our business with or without the long relationship we previously enjoyed with American Express. We believe the arbitrary decisions cutting limits on accounts as we have experienced are extremely harmful to the hoped for recovery in the current economic downturn.

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    Reviewed April 2, 2009

    American Express reduced my credit line twice without notification. I went from a credit line of $35,000 to $16,000. I am close to my credit limit and now my credit score has been reduced significantly.

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    Reviewed March 31, 2009

    I receive a letter dated 3/26/09 from American Express stating that my Blue Cash account has been canceled. They listed a number of reasons including two many inquiries last 12 months, number of accounts in delinquency amoung other reasons. I have not had this card for a number of years. It was paid off in full and I no longer use it. What right do they have to write such a letter to someone who has not had and not used their card in several years.
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    Reviewed March 30, 2009

    I received my american express student card in July 08. My balances were always paid in full on time each time. They increased my credit limit by 1000. My carry over balance has been 0 for the entrie time I've had my card.
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    Reviewed March 30, 2009

    American Express has closed my account after the balance has been paid. They are not allowing me to transfer all my Membership Reward points to an airline. I don't owe them any money and feel they should allow me to transfer my points.
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    Reviewed March 30, 2009

    American Express cancelled both of my credit cards without any warning even though I have never been late on a single payment. I tried to ask them why and the gave me a run around and hung up on me several times. Finally someone answered me and told they were closing my accounts not because of anything I Had done to their company, but because I had issues with my home mortgage. It is awful how this company treats people in financial hardship. TO this date no one has been able to tell me about my credit card rewards or if they will be honored.
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    Reviewed March 29, 2009

    About a month ago I was shocked to receive a notice from American Express (dated February 20th) that my card had been canceled. Up until that point I had been an American Express cardholder for nearly a decade and had always made timely payments. It was shocking to me that a credit card company would elect to cancel the account of a long-term cardholder that was always in good standing, especially at a time when there are clearly many others who are not.
    Through a call with a rather impolite customer service agent who had a very accusatory and condescending tone (again, not the way I expected to be treated as a loyal and long-term cardholder) I learned that there had apparently been a negative report made against my credit history. This too was a bit shocking to me, as I have always strived to both protect and maintain my high credit score and I had no knowledge of anything that could constitute a negative report. Through Experian I was able to learn that there had been a $40 bill filed to my medical insurance company improperly by my doctors office in May of 2008 that was apparently reported to a collection agency. I never received any notifications by mail or telephone from my doctors office or the collections agency. Upon learning of the bill via this rather roundabout way, I immediately paid it in full and was told by the collections agency that they would request that all records be removed from my credit history since I had clearly done nothing wrong (its hard to pay a bill that you never knew you had). Up until that point, the collection agency had treated me with the most courtesy and respect. Today I received my American Express statement in the mail (closing date 3/19). The statement correctly reflected that I had paid the balance on my account in full (as required when it was suddenly closed) it also stated that I had 15,387 Membership Rewards Points available to redeem. I believed that since I had resolved matters with the collections agency, and they had ensured me that they would resolve things with Experian, that my account could be reinstated and I could, at the very least, redeem the Membership Rewards Points that I have been saving up for several years. When efforts to redeem the points online failed I phoned the Membership Rewards service number and was assisted by a very kind representative who helped to transfer me to another department to see if the account could be reinstated. The representative and supervisor in this department informed me that not only could the account not be reinstated, that all the points Id accumulated were permanently erased. What was even more frustrating was the fact that the points were apparently gone before Id even received the letter in February, notifying me that the account had been canceled. I have always associated American Express with a very high level of customer service and up until this past month I had always been proud to be a cardholder. However, my recent experiences have been frustrating, demeaning, and extremely unsatisfying.
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    Reviewed March 27, 2009

    I have been an amex customer for many years. Today I received a call to tell me that amex had to lower my credit line because I had too much revolving credit on my credit report. I have two businesses and run alot of items on cards to get the rewards and then pay them. I have not been late on any of my accounts and in regard to amex they actually have been paid in full every month without fail. I use this card for use with purchases at costco and the gas for my 3 company vehicles. I couldn't believe it and there is no one that really cares. There is just a bean counter who doesn't look at the relationship that many of us have had with amex. I have 2 stores and I will be moving toward not accepting amex for payment because of the manner in which I felt I have been treated. I felt like I was alone today, but am quickly finding I am hardly alone. How sad is it that because of the irresponsibilty of other consumers and banking institutions the rest of us are
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    Reviewed March 27, 2009

    I have been a sole proprietor, offering professional services since October of 2008. I am only required to have a local (city) business tax license to operate. This is my only official business document. This license expires on the 31st (12/31/08) of each year and a new one is issued following the March 2, 2009 tax due date. A new license is issued within 30 days assuming that it was submitted on or before March 2, 2009.
    American Express called me on March 13, 2009 saying that they needed to verify that I was a valid business. They said that they had 24 months to make this verification from the start of opening my merchant account, which was opened in September of 2008. To verify that I was a valid business they would need a current business license. My business license expired on 12/31/2008, and I was waiting for my new license to be issued, which would be valid until 12/31/2009. Since I could not provide them with my only valid document, they placed a hold on distributing any funds processed from American Express purchases. They allow the charges to be processed, but withhold the funds from my business. Furthermore I was called on March 27 by American Express where they further threatened me to shut down my account all together if this document was not provided. This would mean that they would keep the funds charged to American Express card users for A minimum of 60 days (customer service agents words).
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    Reviewed March 27, 2009

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    Reviewed March 26, 2009

    I was behind on my account and AMEX contacted me to propose a payment schedule which I agreed to. I was making scheduled payments on time. Suddenly AMEX went back on the arrangment and turned my account over to a collection agency.
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    Reviewed March 25, 2009

    To Whom It May Concern:
    Yesterday I went to Costco to purchase some goods, and my American Express (AE) card was not accepted. I called their 888 number and was told it was due to some external delinqency I had. I assumed it must have had something to do with my student loans so I called the federal loan tracking number (1-800-433-3243) and talked to a woman by the name of Shirley, who told me that none of my loans were delinquent. So, I called American Express back again and talked to five people, one of which hung up on me. The people I talked to were Triseilla, Samantha, Adrian, Denisse, and finally a supervisor (Gabriel) from the Credit Operations Dept. All I was told was I was up for review on March 18th and that a report from Experian led AE to decide to close my credit card, that is, without calling me, emailing me, or sending me a letter of any sort. My question to them, which I also asked Gabriel, is am I or have I ever been delinquent with my Amercian Express account? Any derogatory? I know the answer. I have paid on time and am on good terms, yet they still decided to close my account based on secondary information that claimed I was delinquent when I am not. I have requested a credit report and a list of my rights and it shall take 10 days to arrive. According to what I see I expect to follow up on any information I receive. I find it quite sad that a company of your reputation would act in such a manner, without even caring to contact me. If they had bothered to contact me I could have informed them that I just finished a Masters of Science in Nursing from the University of San Francisco, and I am now recently working at a top notch hospital (rated number one in many areas) as a Neurological Nurse on a Neuro/Trauma unit, and that I would have no problem paying any of my debts. Nevertheless, they decided to go forward without verification of any sort. Naturally in our economy, I understand that their action was a pre-emptive decision based on fear. What type of consumer service is that? Thank you for your time.
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    Reviewed March 24, 2009

    Hi,
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    Reviewed March 21, 2009

    Why are companies like American Express allowed to damage peoples credit because they were unable to manage their business properly. 1st they lowered my credit to amount owed making my credit score go down. Then I paid them in full and they cancelled my card cheating me out of $500.00 in travel bonus I was saving for my 50th birthday. I can understand they are having tough time, some busnesses are but how can they be allowed to damage people unchecked. My other credit card raised my rate also, I didn't sign up for that. I can understand raising it on new balances but on previous balance seems unfair and inappropriate.
    I'd like to know what is being done to keep these credit card companies in check and stop them from ripping people off. They should not be allowed to cancel my card when I have 500 dollars in unredeamed points, that is stealing. They should not be allowed to raise my credit rate on previous balances. They are hurting the economy further by damaging my credit score. Understand I am not some loser that doesn't pay her bils. I have never been late with these companies and have paid them and used their services in good faith. I have a good job with Oracle my company is solid I only owe about 1/3 of what my house is worth. I haven't done anything different then I have done in the last 20 years but all of a sudden because of their ineptitude Im being penalized and so is the enconomy in general because as you know I am one of thousands they are doing this too.
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    Reviewed March 21, 2009

    An unauthorized charge of $19.95 per month has made to my American Express card since April 2008, and just discovered by my husband, who takes care of our bills and paying them. Upon checking the web site for this company, I learned that other people have experienced this scam and not signed-up for the service.
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    Reviewed March 21, 2009

    Greetings;
    I rec'd a letter from Amex Express telling me that my credit line of $5,000 had been decrease to $2,100...I thought this has to be an mistake. I call Amex Express and spoke with two Representative Larry ID#(NARB226)and Arch ID#(36814). They both agreed that my account had been decrease only because they ran a report report and there were something that were listed unsatisfactory, and that was the reason for my cc set-back. I was in utter shock and confused wondering why and what for, it surly can't be for being late...see...first of all u must understand that I have never been late I mean NEVER. I had both Green and Blu cards accounts before closing out my Green card (I got tired of paying for the yearly fee for the card) I never been late or missed a payment. I paid my Green card off every month with nothing but less then a perfect track record. In fact, I have even paid twice within some months. Sooo...this is how Amex Express treats their solid customers who have been excellent in there paying commitments for over 6 years. I think it is deceptive and unethical practices. Sincerely, Debra Traynham
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    Reviewed March 20, 2009

    On Feb 23 i made a payment of my Amex gold acct. with two seperate checks. one processed with no problem and the other did not process due to AMex taking down an incorrect routing #. On feb 26th my office called to again submit the routing information and we were told there would be no further problems. On March 2nd i came to my office and received word that our accounts were cancelled. I provided the routing # again for the third time, which by the way always had sufficient funds for payment. The payment processed. all office cards were cancelled with an attached letter stating that the reason was due to a returned check and insufficient funds. furthermore my platinum accounts were also cancelled with no notice. I have been a member of AMEX since 1991 with excellent payment history. I was told by the worker at AMEX that my accts. were also cancelled due to derogatory comments. I downloaded my report from Experian and discovered one false comment on my report and have since hired a credit repair company. The funny thing is the comment has erroneously been on my report since June of 2008. AMEX is really full of it. My credit score is presently 740 even with the error that will take 30 days to correct.
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    Reviewed March 18, 2009

    American express blue card adds the interest to the principle balance of the higher interest portion of the amount owed as new activity so that the principle is increased monthly by the interest amount. Consequently the amount owed continues to increase and no purchase are being made!
    For example: total balance = 10,000 4000 at 17% anual interest 6000 at 4% annual interest monthly interest $75 total payment $200 they will add the $75 to the $4000 and subtract the $125 from the $6000 This does not seem like it should be allowed!
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    Reviewed March 17, 2009

    Basically, I haven't had my account as long as some others here, but i'm a student and have had my account for 3 years. Always paid it ontime, never incurred any problems. My balance was $1940 of the $2000 available credit last August due to having to pay school bills. So I worked my butt off paying off this debt (among other debts on other cards) and had it down to about $1000 in December. Then my credit limit gets cut down to a grand from 2 grand and suddenly i'm AT my limit because of that with ZERO credit available. I call and they give me all this BS about the credit bureau reporting this and that and the fact that the economy is causing them to crack down... and I was assured that it wouldn't affect my credit score, but low and behold it dropped by 20 points. lying cheating snakes..... So then today I call them up to see if they could reduce my interest payments since they were pretty high, and they tell me that I no longer have an account with them. I said WHAT? Are you kidding me? I asked them why and they gave me the same reasons that they gave for reducing my credit. Revolving balances too high, saying I paid too little each month based on how much I spent, and all this other complete BS. I asked why I wasn't given any warning, a call, an e-mail, and they told me that I should be receiving the notification letter in 7-10 days and that I should call experian to get a free credit report from them. I will NEVER EVER in my LIFE associate myself with AMEX again, and I hope they go bankrupt.... I'm gonna be SO MAD if they get rescued by the bailout plan with they're shady practices.
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    Reviewed March 16, 2009

    American Express cancelled my card after more than 10 years of great payment history and never missing a payment with American Express. My husband has lately had some credit issues but like most people in the country he is working on resolving it.
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    Reviewed March 16, 2009

    American Express cut my credit limit by more than 66% for no apparent reason. I've never missed or been late on a payment, have fantastic history. 10 hours before leaving on a business trip, my limit was decreased to the amount of my balance. This was the one card I counted on to be there for business and I have never been so insulted.
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    Reviewed March 13, 2009

    I overpaid my american express bill in Feb. 2009. On March 13, 2009 I attempted to use my card and it was declined. I called customer service to see what the problem was...I had a 16000.00 credit limit and was just coming out of a credit balance. They informed me that because of information on my Experian credit report they made the decision to close my account. Funny thing, they didn't try to close my account when I had a credit balance with them, only when I owed them $71.00. Now they have taken my rewards points, which I earned through them, that was close to 40,000 points. Why are they getting MY taxpayer dollars when they are shafting me?
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    Reviewed March 12, 2009

    I last used my American Express card in 1994. I was fighting for custoday of my son at the time and had to quit work to do so. I could not pay my bill. I then (and REMAIN) disabled and have nomoney, equity, etc
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    Reviewed March 11, 2009

    I just received my bill and noticed that the interest rate was 27.22%. I called AMEX customer service and they advised me that the reason for this was a second late payment. This most recent payment was 2 days late. I had another one this year that was 4 days late. That is it.
    To add insult to injury, they give a 20 day payment cycle total, before you are considered late. In this case, it took 6 days to get to me, leaving 14 days for me to pay the bill including mail time. A very very short window.
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    Reviewed March 11, 2009

    Oh Amex, how you were once such a highly regarded creditor in my unknowing eye. Two years ago when I started to take over a business I paid off and settled ALL OF MY DEBT. I kept one credit card, and only one. My American Express Blue Card. Being the responsible person, I even called and asked them to reduce my credit so I would not go over my personal spending limits. Mind you I may have had one late payment if that since then. Mainly late just due to forgetting to send in the payment.
    Last week I find out that I can not make a charge to pay my cell phone bill using my Amex card. Upon calling American Express I find out that without any warning, they have placed a hold on my account as it is currently in review for 24 to 48 hours. Calling again later that afternoon I am told that my credit limit has been lowered due to serious delinquencies on my credit report. After careful research I do find a delinquency that is on my credit report and promptly have it corrected as I was not aware of it. Albeit the $100 serious delinquency is now resolved. Is this company serious? I spend $8,000+ a month on my company Amex and pay it in FULL every month. I spend 2 to 3 thousand a month on my personal Amex and carry a monthly debt on that of approximately $1,000 to $2,000. I am not late nor am I in default anywhere... The way I see it, the small balance that I carry helps them EARN a living through the monthly interest that I pay. So now I have paid in my account in full in less than 14 days since this debacle and I am looking into other alternatives for credit sourcing personally and professionally.
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    Reviewed March 11, 2009

    I am a costco american express business card holder, i charged most of my expense including business purchase to my amex card. I ALWAYS PAID FULL for my balance for the past two years. On october 08, i got a new laptop and charge it to the newly open bestbuy card, and week later i realise amex drop my amex card limit from $2000 to $1400, without any letter of explanation. So i called up amex, and was told that my credit score was too low and my revolving balance was too high. I always felt that amex is a reputable company, so without any doubt i felt it was my fault. Nevertheless i went to check my credit score to make sure noting was wrong, i found out that my overall score was 720. Last week, i log in to my amex account as usual and decided to print out my statement (i was on paperless bill) ,on the last page of my bill there was a sample of my rebate check worth $153. I immediately call up amex and explain to them that i switch to paperless and she agreed to send me a feb bill with the rebate check attached within this week. To my dismay and shock, instead of recieving my statement and rebate check, i recieve a letter saying that my account was cancelled. I call up and they say that i have too my enquires which is ridiculous and my revolving balance is too high, i only have two credit cards and i paid full so this is impossible. This is UNACCEPTABLE, it came to my sense that they are finding ways to cancel my account so they can save that $153 rebate. Now that they cancel my account it affects my credibility, and its not worth it!! NEVER use amex in my life anymore. They are scammers..
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    Reviewed March 6, 2009

    I recieved a letter from American express, March 5, 2008, stating that their cancelling my account because of my credit report, i have high debt with other creditors, the total amount of payments in relation to my overall balance has been too low,revolving balance on my American express account is too high. Before that last Feb. 21, 2009 I've been paying my account almost in full amount to make my balances lower then after a few day of paying them they just make a recent review on my account and canceled it, and the cancellation of my account may result in negative report to the consumer reporting agency. I don't think it's fair todo that, i've been trying to pay my monthly bill on time and last feb. 21, 2009 i've been trying to lower my account to them. They even charge me with renewal of my annual fee last December, now i can no longer use it because they already canceled it. and much worst it's gonna be a negative report on my part in which i've been trying to make it good. I just hope that they treat their cardholder in a fair manner.
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    Reviewed March 5, 2009

    Index No. 08-27346
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    Reviewed March 5, 2009

    I, also, had my card cancelled and my 20,000 rewards points confiscated. I was offered, and accepted, an Am Ex BLUE card about 8 years ago; I have used the card monthly, have never been late with my payments and almost always paid the full balance each month. I carry very little on-going CC debt on ANY of my cards.
    When I received the letter informing me of the cancellation, I called Am Ex and was stunned by the nasty, indifferent and obtuse responses of the customer service agents and managers I spoke to. I, like many of the others, was informed that a credit check through Experion indicated I had to much outstanding debt and my payment pattern showed to little payment per month on my outstanding balances. As with the other writers, Am Ex would give me NO details as to specific reasons or specific debts that would indicate a problem, just a general A monitoring of your credit history has caused the decision to revoke your card. I can now see why my call was handled with such indifference, Am Ex must be doing this to thousands of their card holders, if not TEN thousands. The accumulated Rewards points that this will relieve Am Ex from ever having to redeem must be in the MILLIONS! Am Ex must have NO regard for their future as a card issuer. I am sure none of the people who have been so treated will ever WANT to deal with them again. This behavior will, surely, prevent any NEW customers from accepting their products when it becomes generally known. I would gladly take part in any class-action suit.
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    Reviewed March 4, 2009

    I read through the other complaints and felt like I was re-living exactly what happened to me yesterday in dealing with inept service reps at American Express. Back in October 2008 I signed up for the Amex Gold Card. Since October I've charged in the neighborhood of $18K and have always been on-time with payments. The first diappointment transpired when I Amex offered to allow me to postpone payments on certain charges (i.e. go outside the 30 day window) which I took advantage of and then suddenly they disallowed that feature. The next blow occurred when they sent me a notice that my credit limit was reduced to $1300...meanwhile I was averaging $3500 per month in charges. I called cust service to be treated like @#$@% with someone that was reading a script. I blew my top and asked to speak with a manager who was as inept as the first person I spoke with. They said that they evaluated my credit report and acted accordingly. What on earth? I told them to cancel my card on the spot. Absolute fools. They are penalizing good people with outstanding payment history. I will never get a card from them again. NEVER!
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    Reviewed March 4, 2009

    I WENT OVER THE LIMIT BACK IN SEPTEMBER. THEY INCREASED BY INTEREST RATE TO 27.24%. I TOLD THEM I COULD NOT PAY THAT MUCH INTEREST. HAD TO CONSOLIDATE MY CREDIT AND HAVE BEEN ON THE PLAN SINCE OCTOBER. AMERCIAN EXPRESS HAS NOT HELPED ME RESOLVE MY ISSUES. I HAVE BEEN ON THE CONSOLIDATED CREDIT PLAN AND HAVE THE MONEY DIRECTLY TAKEN OUT OF MY CHECKING.THEY STILL HAVE NOT GIVEN ME A BREAK ON THE INTEREST OR FEE. BANK OF AMERICA HAS BEEN WORKING WITH ME WITH AN INTEREST RATE OF 9% AND NOT LATE FEES.
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    Reviewed March 3, 2009

    The above credit card compinies lowered my credit limits because of the state of the economy. American Express dropped my credit limit and told me it was due to the fact that people were paying thier mortgages with credit cards. So they were dropping all high credit limits due to this risk. I do not have a mortgage and always paid my bill on time and always paid more than the minimum. Discover cancelled my card because I hadn't used it. Bank of America dropped my credit limit due to the economy excuse.
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    Reviewed March 3, 2009

    I have been receiving automated phone calls (around 25) telling me I need to call them about and important concern regarding my account. They have been calling my work number and it has been harassing me. I have called them back 6 times and they keep telling me sorry and that they will take my number off their list, but they still continue to harassing me after I have called them.
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    Reviewed March 2, 2009

    I have, or HAD, Amex Blue. I got the card in '05 and last October they closed my account WITHOUT telling me and when I tried to use it on a business trip, it was declined, obviously. After calling, I was told that it was closed for multiple reasons of which would be detailed in a letter that was being sent out...so...cancel my account, don't tell me and inform me AFTER the fact in a letter? Well, moving from customer service (of which there is little service to be had) I talked directly to the section that issues cards to see if this would hurt my FICO score as I didn't know how they would report it on my credit report. Keep in mind, there was $0.00 on the card as I paid it off and I certainly didn't close the account so I didn't want it reflected poorly on me. Well, the lady I talked to offered to pull up my credit report and see if I'd taken a hit. In doing so, she OFFERED ME A NEW CARD because my credit score was good...What a load of pure BS. Cancel my account, don't tell me, when I call to figure out what happened, offer a new one? Amex just failed in an epic way.
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    Reviewed March 2, 2009

    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.
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    Reviewed March 1, 2009

    On 2/28/09 I received a letter stating they were cutting my open credit line down to a pre-set limit, which happened to be a few dollars above my balance. They stated this was due a recent review of my credit report & payment history over the last 6 months, and known financial resources, specifically:
    -too many creditors have reviewed my credit report; -my average payment amount vs my bill/balance has been too low; -based upon my credit report, my monthly payments made are too low in respect to my total outstanding debt -my present balances/spending levels on my American Express accounts and other accounts have exceeded my demonstrated ability to pay; I am not sure what information they were looking at. This is the second time AMEX has cut open line to a fixed amount (Spring/Summer 2008) and in December 2008, they just removed the spending limit. I have an excellent credit report, excellent credit scores with all 3 credit agencies, have not missed any payments to any credit card or car payment or have been late. I also subscribe to the 3 credit bureau monitoring with alerts and have not had significant inquiries except for in August 08 for my car lease (the old car was traded in) and in November for a one card. My payments for my AMEX bill are currently only $67/month, and I have been paying at least $200/month for each payment which is received by AMEX a week before the due date and my balance in the last 6 months has decreased over $800 plus any new charges which only occurred after Christmas.
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    Reviewed Feb. 27, 2009

    I must receive at least 5 phone calls
    a day from American Express's dialer system. In the past hour I have received two calls and each time I had to tell them that the person they were looking to talk to was not here. This has gone on for 2 months from the time I wake up til I go to sleep. American Express hassels me and it is not even my bill. I am beside myself with the constant phone calls, but they still
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    Reviewed Feb. 27, 2009

    I have offer in writing from American Express that I would receive the following 4 items for subscribing to a magazine-GURANTEED-even if subscription is canceled. 1)Free Airline Companion Ticket;2)A $100 Restaurant Certificate; 3)2 issues of TRAVEL & LEISURE; and 4)2 Issues of FOOD & WINE. I did receive the magazines, but never the companion ticket or $100 restaurant gift cert. When I call the number provided by American Express, the subscriber service tells me the missing items are Out of Stock on backorder.
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    Reviewed Feb. 27, 2009

    I have received a number of telephone calls from this American Express agency requesting various named persons at the time to contact them because the matter is important. I have called them and told them that these people do not reside at this telephone number and have requested that my telephone number be removed from their list. They have assured me this would be done. I continue to receive these calls, today specifically at 11:12 AM to my telephone number 941-637-4941 I am being harrassed. Previously, they have called several times a day and on many different days.This is a violation of the Fair Debt Collection Practices Act.
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    Reviewed Feb. 27, 2009

    February 27, 2009
    American Express Consumer Affairs P.O. Box 981542 El Paso, TX 79998 Dear Consumer Affairs, 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 by you and your company. I hold a Platinum Charge Card, a Blue Credit Card, and a Delta Sky Miles Card. After consulting your 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. My calculations are that I spend about $40,000.00 a year with you 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 YOUR company’s customer service department instead of paying them off. YOU American Express lowered my credit lines to about $100.00 over the balances left. Wow I give you eleven thousand dollars and you penalize me! How dare you. This is bad business but still I kept all my cards with you after speaking to one of your 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 you can wait on your 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 again nor will I have anything good to say about American Express to anyone. Your 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. Sincerely yours, Scott A. Owens Card holder since 1998
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    Reviewed Feb. 27, 2009

    February 27, 2009
    American Express Consumer Affairs P.O. Box 981542 El Paso, TX 79998 Dear Consumer Affairs, 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 by you and your company. I hold a Platinum Charge Card, a Blue Credit Card, and a Delta Sky Miles Card. After consulting your 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. My calculations are that I spend about $40,000.00 a year with you 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 YOUR companys customer service department instead of paying them off. YOU American Express lowered my credit lines to about $100.00 over the balances left. Wow I give you eleven thousand dollars and you penalize me! How dare you. This is bad business but still I kept all my cards with you after speaking to one of your 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 you can wait on your 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 again nor will I have anything good to say about American Express to anyone. Your 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. Sincerely yours, Scott A. Owens Card holder since 1998
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    Reviewed Feb. 27, 2009

    Hello, I'll make this short and right to the point. I recently had my account cancelled by American Express without any warning. I've paid my account on time and had recently paid down most of my balance. I got a letter from them saying they cancelled me because I have average credit. I do have average credit because of many medical bills that went to collections years ago, but have been working hard to build my credit back up over the past 2 years. Now, with my credit history improving I was planning on re-financing my home this spring in order to survive during these trying times. American Express has ruined my improving credit history and probably any chance of re-financing this year.
    During these trying times you would think a huge company like American Express would want to help their customers, not stab them in the back.
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    Reviewed Feb. 25, 2009

    American Express put two subscriptions on my account: Shopper Discount and Travel Values Plus. I did not request these and refuse to pay. They have charged late fee, finance charges and over the limit charges until my acct. shows over $800.oo. I have been disputing this for months and now it is in the hands of a collection agency. Years ago they put Travel & Leisure Magazine on my account and I did not ask for that either.
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    Reviewed Feb. 24, 2009

    I have been an American Express card holder for over 15 years and have NEVER been late on a payment! A few days ago, Am Ex infomed me that they had closed all 3 of my accounts with them, because there was a problem with my last payment. THERE WAS NO PROBLEM! They then told me that my account had been FLAGGED. I asked what that meant and the Customer Service Rep did not know. (Gee... imagine that!) They also said that I didn't have enough revolving credit experience for them to keep the cards open! Unbelievable.
    THEN they informed me that because my accounts had been closed, I would NOT get my 600,000 Reward Points. (Yes, I said Six Hundred Thousand) I have saved those points from day one, as a sort of retirement fund to travel on a few years from now. I couldn't believe it! There must be something we can all do to stop this malicious behavior! To try and blame me (like all of a sudden I'm not worthy of their card)for their obvious financial woes is INSULTING. And to be blatantly stolen from has pushed me over the edge. I spoke to an attorney today who will start the process of trying to recover what is rightfully mine. I believe this is another financial institution that is sticking it to all of us. Even those of us who have paid our bills on time and acted in very good faith with them. I am hoping that enough people come forward and President Obama will step in and put a halt on this disgusting behavior. I urge you... If you know anyone else who is experiencing this same treatment from American Express, please encourage thm to come forward. President Obama needs to hear from all of us!
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    Reviewed Feb. 24, 2009

    I have 1 month overdue with AMEX, last month I was settle more than I required for minimum amount and paid 14 days before due. AFter payment, my card was terminated and was force my them to pay the whole amount immediatly. I negotiate to settle payment they said they want me to pay now or issue posted date cheque. I don't have personal cheque and the force me to borrow someelse cheque. This is totally different from what their CEO (Mr.Kenneth)mention in the mission to Card holder.
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    Reviewed Feb. 24, 2009

    Like so many others, I found out today that my $18,000 credit limit with AMEX was reduced to $2,600. Less than six months ago the balance was $16,000 and I paid it down by $12,500. I called AMEX to obtain PIN for cash advance to pay a contractor to repair complete repairs at a rental property our small real estate business owns. We specifically paid down the credit card to use for emergencies in our small business. It's a small business credit card. AMEX should stop advertsing that they assist small business because the do not. They are helping cause small business to go out of business. Our credit rating is being affected by this as well.
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    Reviewed Feb. 23, 2009

    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.
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    Reviewed Feb. 23, 2009

    On February 22, 2009 I made a small purchase using my American Express Blue card. The card was denied. I checked the account online and noticed the credit limit was reduced from $25,300 to $5,100. I called Customer Service and was told the reduction was due to delinquent accounts. I am a member of Equifax Credit Reporting and I follow my credit very closely. I knew this not to be true. But even talking with Sandra, the manager in the RLA department, she would not tell me why this error occurred and she would not transfer me to someone who could, because there is no one that can help you. She suggested I write a letter. I spoke with the credit reporting department at American Express and they said my account was in good standing, but there was nothing they could do. So, I called Equifax. James looked over my account and saw that there were no delinquencies and my credit had no negative listings. He told me that the other credit reporting agencies would be reporting the same unless I received an alert that something negative was reported to them. There have been no alerts to this effect, and I would not expect any.
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    Reviewed Feb. 22, 2009

    I have been an american express card holder for over 18 years, and hold several cards including an american express business credit card. In the fall, American Express cut my credit lines for no reason despite my excellent record of paying my charges plus thousands of dollars on an American Express business credit card on a monthly basis. When they cut my credit line in half (without notice) the balance I had on the card was over my new credit limit, which has now affected my credit score. And they raised my interest rate on the one business credit card to over 28%! Nothing about my financial circumstances has changed. I've called to discuss this with customer service and have gotten no where. I have asked for supervisors and finally was told to write a letter to
    Ms. Michelle Geithers-Clark at Consumer Relations,American Express. I have not received a response. For such a loyal customer over all these years, the treatment I have received is shocking. As soon as i pay off the one business card, I'm cancelling all my Amex cards. And I'm spreading the word about the terrible treatment and consequences I've suffered as a result of their indiscriminate actions.
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    Reviewed Feb. 21, 2009

    Hi There,
    First of all, if I must pay for your assistance, I can do that but will beg you to bear with me and quickly read through this e-mail as time is of the essence. I am having a serious nightmare with AMEX. Their application for a business card is deceptive and predatory and is not intended for consumers, yet they are trying to state I am personally liable for corporate debts. One corporation I am an officer of which has had serious downfall cannot pay its debts. There is a bill of approx $80,000 with AMEX - Costco's Open card to which I signed up for as an AUTHORIZING OFFICER of the corporation in 2006. Based on the items below, do you feel that I am personally responsible for the debts incurred? Should I continue to fight this or sign up for some sort of program for payment? I requested a copy of the application for which I signed up, and the application states that my social security number is on the form for purposes of the Patriot Act to confirm my identity. I signed up with the use of the Federal Tax ID number. The application terms and conditions state, "I as the Authorizing Officer designated herein and the Company (a) request that you open an account in the name of the Company, (b) request that Cards(s) be issued on that account as indicated on this application and other applications, (c) understand that you will renew and replace the card(s) until I cancel, (d) agre to be liable for all charges to the Card Account made by all Cards issued on the account now or in the future (e) agree to be bound by the agreement governing the account and (f) REPRESENT THAT THE CARDS WILL BE USED FOR COMMERCIAL OR BUSINESS PURPOSES." (Please note - there were no personal purchases made.) All bills were paid off in full at around $20K+ per month until approximately August, 2008. The application I requested to be sent to me is barely readable, yet decipherable, and the terms and conditions which were on the back of the application do not state that I am "Jointly, Individually and Severally liable" as the people at AMEX try to tell me, from what they pull off of the web as how their current applications appear, in contrast to the original application. AMEX has violated collection acts by threatening to go after our home. I have written formal dispute letters stating that I am not personally responsible for this debt and that the threats to turn my account to the credit bureaus on my PERSONAL account are basically unfounded and will be fought. I have filed a complaint with the FTC, reference #21757352. They closed my other card for my accounting business, very unfortunately - I do continue to pay that one off and will protect the credit of my accounting business. They keep insisting that the two businesses are "tied" by my SSN. I believe they have a responsibility to lend on the business's credit, not my personal credit, correct? If not, they certainly are violating credit acts, very misleading between what is considered a consumer and what is considered a business - To view this yourself, go to www.costco.com and click at the bottom of the page where it says "credit cards", click on the card and click one more time to open up what is clearly a deceptive practice of pursuing credit for a business vs an individual. That being said, where do I stand? Am I on the right track of continuing to file disputes? How am I to protect my personal credit report which is extremely important to me?
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    Reviewed Feb. 20, 2009

    I've been an American Express card holder since approx 1996. I have had corporate card, green card, and gold card over the years. I've never defaulted on a payment. I recently became unemployed and had to initiate a mortgage restructuring to lower my payment and fix the rate. The company I hired to help with this advised me not to make my mortgage payments until the restructuring is completed so that the mortgage company would see that it is critical to get the payment lowered and the interest locked. I got a new job 2 months after becoming unemployed, although my salary is over half less than what I was making.
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    Reviewed Feb. 20, 2009

    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.
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    Reviewed Feb. 20, 2009

    After many years of service with American Express and in excellent standing and my credit report showing in excellent standing they sent me a letter stating due to their problem money backings that they could no longer grant me the high credit limit I was accustomed to of 20,000 and they lowered my limit to the amount of aprox. 1800 in which I owed on the card in good standing I contacted them and informed them that this would hurt my credit rating due to the fact I had a high limit that I never abused and in return them lowering my limit would hurt my credit rating due to their bad money managment not mine. I am demanding that they correct the informatiion on my credit report.
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    Reviewed Feb. 19, 2009

    I want to share an AMEX credit line reduction story. I've held their Blue card for 5yrs+, did a balance transfer, never used card to make any purchases, always paid over required amount ($20-60) monthly, never missed a payment. A couple of months ago (4-5) they slashed my orig credit line to just above my current balance.($13k to $7500). I called to inquire abt it and it was a waste of time. The lady was rude and insisted my credit profile showed debt ratio too high and multiple credit checks (credit offers only). I advised them to never make me or any family members at my address another credit solicitation of any kind.(phone,mail,email). I just opened the mail yesterday 2/18/09 and find another notice they are doing it again. Now that I've paid the account down they are again reducing it to just above the current balance ($6400). I really think they are trying to squeeze me out of the promotional 3.99% rate offer on my balance. Also, they are affecting my FICO. I use to have a high FICO of 750 but with AMEX's attack behavior I'm probably screwed now. None of my other cards or loans are late or missed. I have Chase & Citibank & Fidelity accounts (with balances lower than and only one higher than AMEX) and couple dept stores Macy's, Nordstroms (with $100-200 balances) and a SMARTCAR car loan $200/mo (with credit union) and none of them have done what AMEX has done. Isn't there a law against this and the method they are employing to ruin my FICO? Should I just move the balance to another card? I've heard you shouldn't close accounts as that too will affect your FICO? One last note, I’ve been working for the same company for over 20+ years, no mortgage (busy raising kids), I get 0% balance transfer offers all the time from other creditors,have 3 titles paid in full to 3 cars (all 2000 models). Over 100k in 401k along with Brokerage & IRA’s and a nice amount in savings and could pay many credit accounts off but don’t because I’m told you have to keep your credit paying habits regular for your FICO score. I wish someone would really look into AMEX's behavior and put them on blast with the media. I will never take an account with them again and will tell others of this experience. They deserve to fail as a bank since your relationship nor ability to pay a debt obviously means nothing to them. I hope they didn’t take TARP monies. I believe they are discriminating against me for some of the factors mentioned on the Good Morning America segment I saw not long ago. If there is a class action I will surely jump onto it with everyone!
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    Reviewed Feb. 19, 2009

    I have been a loyal customer with AMEX since 2007, I've never had any collection issues with them at all, although i did come close to my limit a few times, I've also comepletly paid off the balances on them in full, and obided by the payment as agree'd, Feb 09,2009 i paid 1,950.21 which was my balance in FULL, i also paid two 500 credit cards i had, and one 300 credit card i had, and i was getting my credit cards under control and paying them all off to get my credit score back up. well today Feb 18th, i received a letter stating my account was closed NOT due to delinquency, or inactivity, but because when they ran my credit, they said:
    too many accounts with balances too many inquiries last 12 months proportion of balances to credit limits on bank/national or other revolving accounts is too high length of time accounts have been established it sounds like i just applied for a new credit card?? i didn't though, i bought a house in June 2008 and I've had major purchases on my credit cards for my new home, I've been in good standing with all my credit cards, and am not late on a single one, also I have 2 Paid off vehicles under my credit ALSO one that i have co signed for, that is in current status. I paid off my credit cards so that my credit score would increase and would be out of debt, and now that they closed my account which i had 2000 credit line it will now decrease because of the closed account. when i called spoke with a customer service rep, she said those were the reasons , and that i can challenge the decision and it would cost me 25 dollars to reopen the account if it was approved???? that is not fair at all! i had a 0 balance on my credit card when i paid it off, and i know it will take at least 30 days for the other cards to show paid off but, i don't think it is fair at all to close a customers account when he/she is paying as agreed. i want my account back open. I EARNED THE RIGHT TO OBTAIN CREDIT WITH AMERICAN EXPRESS IN 2007 AND I DONT FEEL IT IS FAIR FOR THEM TO LOOK AT MY CREDIT SCORE WHEN EVER THEY WANT TO SEE IF IM WORTHY OF HAVING THERE CARD, FOR ALL THEY KNOW I COULD HAVE 50 GRAND IN THE BANK, I FEEL I WAS DISCRIMINATED AGAIST BECAUSE A FEW WEEKS AGO I TRIED TO NEGOCIATE MY INTEREST RATE DOWN. AND THEY TRANSFERED ME TO THERE DEBT DEPARTMENT AND OFFERED ME DIFFERENT CHOICES WHICH I DID NOT TAKE ANY OF, AND THEN I PAID MY ACCOUNT IN FULL. I WASNT EVEN NOTIFIED BY EMAIL, OR TELEPHONE, OR EVEN GIVING A WARNING THAT SOMETHING LIKE THIS COULD HAPPEN. THEY ALSO SAID THAT MY CREDIT CARDS HAVENT BEEN OPEN LONG, IM 22 YEARS OLD IVE HAD CREDIT SINCE IVE BEEN 18, AND I BOUGHT A HOUSE!!! HOW CAN THEY SAY ALL THIS NOW WHEN THEY APPROVED ME IN 2007 WHEN I WAS ONLY 20 YEARS OLD? I HAD EVEN LESS CREDIT HISTORY THEN!!!
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    Reviewed Feb. 18, 2009

    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.
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    Reviewed Feb. 18, 2009

    American Express cancelled the charge card two weeks before I was due to get the reward for all the charges I made on the card in the last one year, hoping all along that in Feb I will get the reward check. They are stating the same excuse that my credit score has dropped although I have not been late in no payments in none of the credit card that I own. I think it is a total rip off, orchestrated intentionally to avoid paying the reward checks
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    Reviewed Feb. 16, 2009

    I was recently notified (by computerized phone call) that one of my 3 American Express Cards lines had been reduced from $15,000 to $1,000. I was shocked! I have been a member for 10 years, never been late, over-limit..good FICOs' etc. I also have a Costco rewards card and a business gold card. Today I received the letter confirming the phone call and went online to discover they had also lowered the Costco card to $1000. NO notice at all! I never carry a balance on any of these cards and frequently when I anticipate high charges I send in several thousand at a time in between cycles. I am livid! This same thing has occurred with my son. He was advised that the fact it says no preset mean they can put it anywhere they want without notification. I was advised that Teletracker had given deragatory information. It will take 5 days to discover the problem. I believe it is because I am being profiled. Live in Phx/scottsdale. Real Estate profession, husband commercial building. Bingo! I asked the customer service person...why don't you ask for me to submit tax returns, bank account information and current FICO's? I also told them, that not everyone abuses their credit and some people are in fact still working and doing well. When the financial system and banks collapse I hope it will take American Express with it. I closed my accounts today because $1,000 credit lines are sub-prime. They do as much damage to my credit report as I supposedly do closing them on my own.
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    Reviewed Feb. 16, 2009

    I have personal and Business American Express Cards. I have carried a balance on their sign and Travel portion (legal, and according to their standards) and have, 99% of the time paid my cards on time. Since the credit crisis, and American Express's well publicized losses due to imprudent financial practices, I have had regular reductions in my available credit limit for both my business and personal cards, DESPITE the fact that during this time, I have been paying my cards on time, often EARLY and for OVER THE MINIMUM PAYMENT. In actuality, I have been paying them off, not running up bad debt. The letters and calls re new terms to your credit agreement continue, all with several hundred to thousand dollar reductions to my limit, DESPITE, demonstrated prompt, over the minimum payment history. the individuals that I have talked to at American Express, have almost uniformly been nasty and condescending. When I called American Express once to question yet another reduction, they told me that their credit limit restrictions were due to me having opened so many new credit accounts.: I checked my credit report, in a panic, since I have not opened any new accounts. My credit report confirmed no new accounts, and that I am NOT in arrears on any accounts.
    So they are 1) Lying about the reasons for alterations in credit 2) Upholding their employees treating customers, me in particular in a nasty and condescending manner 3) Punishing me for the financial misdeeds of others, despite the fact that I have been paying, and paying them off. At this point, I truly hate credit cards, and look forward to the day that I am rid of them.
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    Reviewed Feb. 15, 2009

    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.
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    Reviewed Feb. 12, 2009

    I had an American Express card with a $2500 credit limit. When I obtained my card, I explained to AmEx that I had some derogatory credit due to medical from an auto accident where I was hit by a drunk driver. The insurance had yet to pay and the Victims of Crime program agreed to pay the debt provided that the provider of such services send them the explanation of benefits form from Medicare. The provider refused to send the form, and three accounts were in collections.
    American Express issued the card anyway with a $2500 limit. After a few months, I received a letter from American Express lowering my credit line to $500 due to the same medical derogatory issues that were on my credit, even though I paid off my account and other accounts regularly monthly. None of my credit cards are late and I have always made bigger payments than the minimum payment. I spoke with a very rude person at American Express who said there was also an application for a new home in another town that I have never heard of. I explained to AmEx that I am a victim of Identity theft (which they knew when I applied as I have a 7 year ID theft notification on my credit bureau.) The woman told me that none of the derogatory accounts said that they were medically related, nor was there a fraud notification on my bureau. I obtained a copy of my credit bureau, contacted the bureau as well as the creditors, paid off the creditors from an advance from my attorney on the drunk driver case, and cleared up the housing issue. I contacted American Express via mail per instruction from the very rude woman, but they still left my credit limit at $500. Although I have never charged even $500 on the AmEx, I feel that I was cheated by them.
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    Reviewed Feb. 10, 2009

    My wife and I have been American Express card holders since 1994. Earning high six-figure incomes in the Time Share business, travel was a huge part of our life for the majority of that time. We have EARNED over 300,000 flyer miles and had a balance of 209,173 miles/points left when American Express (with out even a courtesy call) cancelled our card!! I called to clear up the mistake since we have never been even a day late on a payment and currently only charging a few hundred dollars a month. I was told that after a random credit score check, AE did not feel comfortable with our ability to pay back at this time even though we do not have a balance owed. I asked if they could have put a freeze on our card from future spending if they were worried about our ability to pay,I was told yes we could have but we decided to terminate our relationship with you.
    I then asked if this TERMINATION would affect our 209,173 points, I was told of course, we can't reward you with a bonus for a drop in your credit score!! Silly me, I was under the impression from ALL of AE literature that points are EARNED not a bonus!!! Consult Webster: Earn (verb) To receive as return for effort and especially for work done or services rendered... During the last 15 years I could have reached in to my wallet and chose any number of Credit cards that had cash back, points, rewards, etc... but I chose to use American Express over the others for the FLYER MILES plain and simple! To steal my points has to go beyond un-ethical to ILLEGAL!
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    Reviewed Feb. 9, 2009

    On Sunday-February 7, 2009 I decided to pay off my outstanding balance of almost $2000 with American Express. I've had these card for years and it had always had a balance on it and I never once had a problem with AMEX. On Sunday-February 9, 2009 I decide to go to the grocery store and when I tried paying with my American Express Card it was declined. When I called AMEX they told me that my account had gone up for review and that after reviewing my account they decided to cancel my account because I am a risk. I am unable to comprehend how all these years I've had an outstanding balance on this card, have only been paying the minimum payment all this time, yet was never considered a risk, nor much less penalized for it. However, no sooner do I pay the whole balance and it is canceled, and without any prior notification. No consulting with me, no nothing! Then the representative tells me that the account cannot be reopened. I have absolutely no say so in any of this. I don't understand. They cared enough about my feedback as long as I owed them money, but I soon as I pay my balance off my opinion is of no importance? I asked for the address to the corporate offices so that I may file a complaint and/or appeal, and was denied this information. I want to know if all of this is legal? Please.
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    Reviewed Feb. 8, 2009

    My american express card was cancelled, they said I had a late payment back in august 2008, but in fact I paid 3 weeks early and have always paid my bill early. When I argued my point they said it was also because of my credit report reveiw. When I had told them my credit score had improved since I had the card, they brought up the fact that I had two american express cards with high balances. Again my arguement that my first card with american express in 1986 was a business card closed with no balance went back to my late charge in august and so on. So fustrating to talk to employees that have the brains of a brick wall.
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    Reviewed Feb. 8, 2009

    I have been a loyal customer with Amex for the past 5 years.I carry the Gold Amex and charge it thousands of dollars every month and pay it off in full every month on time... no delayed payments ...no delinquencies what so ever. I also carry the blue cash card with a limit of $5000 that I use form time to time and pay off in full immediately. I was happy and glad to deal with Amex till I was shocked by an unjustified reduction of my credit limit by 90%!!! There is no reason at all at all!!! I received a letter form the them stating not valid reasons such as high debt(actually I don't have any!!) public records ( there is no such things at all!!). I tried to call and of course a rep answered by reading back what's in this letter. Honestly and after taking some time time to think..the only true reason that can explain this action by Amex is that they are trying to get a piece of the 700 billion dollars bail out by trying to show that they are suffering from financial loss by cutting people's credit lines.I think it is totally unfair that a financial institution like Amex can affect people's credits and scores anytime they want for any reason. I see myself that I was punished for my good history and responsible attitude all those years. This is totally unfair by all standards and I think somebody should stop this kind of actions by any means...either by taking this issue to the Congress and/or by a class action lawsuit. Thanks
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    Reviewed Feb. 7, 2009

    I have an AMEX gold, green and clear cards. I signed up for a trial offer of credit reporting through a third-party approved by AMEX.
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    Reviewed Feb. 6, 2009

    First notice dated October 30, 2008 states that American Express had lowered my credit limit on my cc account. It went from 10,000 to 5700.00. Also my new cash advance limit had dropped to 200.00, in which I never use anyways. To top it off I have never been late on any credit card in my entire credit history. I have credit cards for 10 years and it's clean. My balance on this card is 4800.00. I have a total of 4 credit cards in which I have always paid on time.
    Here are the reasons for their decision: 1.Your total debt is too high relative to you payment history. 2.Your repayment history with us and others is not sufficient to support your spending activity or outstanding balance. 3. The average amt of pymts. in relation to your overall balance on your American Express acct has been too low. 4. Your credit score as provided by Experian. According to Experian, your score is based on the following factors in your credit report: a. too many consumer finance company accts. b. too many inquiries last 12 months c. proportion of balances to credit limits on bank/national or other revolving accounts is too high. d. lengthy of time accounts have been established. Second notice dated January 31,2009 states my account was canceled. Reason: 1. The balance on your Amex Exp account is too high relative to you credit limit. (of course because 3 months ago they lowered my limit from 10,000.00 to 5,700.00) 2. My monthly pymt is too low in relation to your outstanding debt on all of your credit card acct. (I think this shouldn't matter since I always pay 100.00 a month which is required and sometimes more on other accts) 3.Too many consumer finance company accounts. info below provided by consumer reporting agency which were factors as to why they closed my acct. 1. Too many inquiries last 12 months 2. Proportion of balances to credit limits on bank/national or other revolving accounts is too high. 3. Length of time accounts have been established. This is pretty lenghty and I'm concerned because I haven't changed much as to how I spend and pay my credit cards. I thinking their doing this due to how bad the economy has gotten and where it's heading. Anyhow I still don't understand why they closed my acct so soon when they just lowered my limit 3 months ago. Now I'm hoping they don't try to raise my APR. I told the rep that this is unfair because I've been a loyal acct holder since I had this acct and that goes for all of my accts and even my husbands. Even all our car leases are perfectly clean, never a late payment in history as well. She basically said she truly apologize for this but their was nothing that she could do. She wouldn't say since their trained to speak that way but all I told her was that it doesn't make since how quickly they made their decisions and changes without even speaking to me. Sincerely, Darlene
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    Reviewed Feb. 6, 2009

    Was late 4 days on a $58.00 minumum payment on Blue Card. Supposedly recieved an urgent call regarding my account. Then froze all my accounts (Gold Green and Blue cards) allthough Gold and Green were not deliquent. I made payment (4x minimum amount and always pay more). Priviledges reinstated but the urgent contact us calls continued three more times. These were not computer generated, but actual people calling. Have had these accounts for 17 years and never had this happen ever. Charge priviledges suspended for a payment 4 days late!!!!
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    Reviewed Feb. 5, 2009

    American Express added 2 magazines onto my account and charged me for them. When I paid off my account I did not pay for the magazins. However, AM continued to bill, add late fees, finance charges and finally over the limit charges. What was to be a $0 balance is now up to $852.95! I sent several letters to H. Figueroa to dispute this issue. They sent me pages upon pages of past statement which only showed the late fees, finance charges and over the limit fees. Nothing was resolved. American Express has done this in the past by sending a billing for Travel & Leisure magazine which they eventually credited to my account. This time not only are they billing me for the magazines but I never received them!
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    Reviewed Feb. 5, 2009

    In O8 I had fraudulent activity on my credit report and in Dec. American express canceled my card without any warning. I since got a the bill and paid it off in full the amount was 84.59 but out of the blue I got a call from a collections agency looking for 19.00 for American express. I would have paid this amount if I knew it was due. Now my rewards points are gone and they refuse to reinstate my card even though I have an apology letter from the company that made the fradulent information on my report. Everytime I've tried to speak with anyone from American express they keep sending me to this collections agency. I don't want to pay a collections agency when the bill should never have gone to collections in the first place and I certainly don't want a collections debt to show up on my credit report. The collections agency keeps sending me back to American express and I'm caught in a back and forth run around and nobody will help me.
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    Reviewed Feb. 4, 2009

    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.
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    Reviewed Feb. 4, 2009

    I received a call at my office of a Lady named Zoraida Zanabria. One of my employees that I supervise took the call in which this lady said she was looking for me because I had an account with AMEX and that they where going to sue me. This lady used all sorts of threat with my employee even said that they would conduct an embargo. I had never had any account with AMEX never. My boss has two accounts in which I appear as authorized person to RECEIVE INFORMATION!!!!! I called first this lady Zanabria and she informed that I do have an account with AMEX and that indeed she called my office and spoke to my employee explaining that I was going to be sued, also that my credit report was damaged. I called the 1800 number and spoke with Mr, Victor Delgado. I explained the situation and he continued the same line like the other lady, when I have him the accounts of my boss he realizses that they made a mistake and he tells me they are sorry. I asked to speak with the supervisor and I was transfered to Ms Campos this lady also started to say that I was responsible to pay, when I requested her to read carefully the account she realized a mistake was comitted and she said she would retrieve all my information as contact information. I told her that she could not touch this without the approval of the cardholder an that indeed she was cerfifiying that my credit report was damaged and also that they comitted a terrible mistake.
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    Reviewed Feb. 2, 2009

    My American express cards were canceled without any warning. One of them is AmEx Costco card, which has accumulated about $300 rebate. The card was canceled just before the rebate was due to sent out. I was enticed to use the card for the rebate, now they cancel the card just to avoid paying it. I have always paid my balances. Before they canceled the cards, I paid all the balances well in advance. It is hard to believe that a company such as American express would use such dirty trick to do business. I called Amex representative -- I was told that I can apply for the card again, but the rebate will be gone. The company seems to go downhill very quickly.
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    Reviewed Jan. 30, 2009

    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?
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    Reviewed Jan. 30, 2009

    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.
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    Reviewed Jan. 30, 2009

    My husband went to costco, using our am ex card, he was told at check out that our card had been canceled. when we called am ex they said they did a credit review on me and they considered me a risk. We have NEVER been late, missed a payment, we even paid two or three times a month! They even said that I didnt have any bad credit just too much credit, all cards always paid on time!
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    Reviewed Jan. 29, 2009

    To whom it may concern
    I am writing this letter to you regarding my problem that I have been through for the last six months with American express. In May 2008, I applied for the gold reward American Express card. However, after I received the card, I realized that I really did not need it. Therefore, before I activate the card I called American Express customer services and I explained to them that I do not need the card and wanted to cancel it. So, the representative who assisted me was very nice and said that she was going to cancel it. I asked her if there is any fee that I would have to pay at this time, and she said that there is no fee since I did not activate the cart yet. I cut my card and through it in the trash as per the representative request. At the end of June 2008, I received a bill for this card with amount due, so I called American Express Customer services again and I explained what happened and the representative told me that the card was not cancelled and still activated which was not what I asked in the first place. She was very sorry for the inconvenience and told me that she would credit me the amount due and then cancel the card. Since that time, I have had the same situation at the end of each billing period. I receive a bill, I call, and someone tells me that he was going to fix my problem, but it was never fixed. One day I was trying to use my blue credit card at a retail store, and the cashier told me that my card was cancelled. So, I called American express again and I was told that all my cards were cancelled because of the amount past due that I have in the gold card. I could not believe that all my cards were cancelled because of a mistake that that some in such a big institution has made. I had two activated account, the reward green card and the blue from American express card. I have always been on time paying my bill, and tried to maintain my credit history clear. However, the problem that I am experiencing with your credits will jeopardize my credit history. At the end of December, 2008, I spoke to a representative supervisor called Randi Lee, his phone number is 1866 836 5995, ex 33606, And explained to him my problem. I asked him that I could have paid the amount outstanding in the reward gold card since it is not a significant amount in order to avoid any problem in my credits. He told me that I supposed to be charged this amount in first place. He also said that he would credit my account the amount of $ 112.50 in the reward gold card and then cancel it, and then reactivate my rewards green card and the blue from American express. Up to now, I am still paying my bills on the time for the blue card which is cancelled and I am not able to get it back. My request was very simple to cancel a card that I do not need, but now, I still see that the gold card is activated and the blue one is cancelled. I spoke to many representatives, and every one gave me different answer now I do not know what to believe and what to do. I am tired of talking to representatives that have no idea what are they talking about. Please, I need this problem to be fixed as I am not willing to mess up my credit for a mistake that I have not committed. I will attach copies of some letters that I have received form your company about cancelation and reopening for my accounts.
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    Reviewed Jan. 28, 2009

    They dropped my credit line from $14,700 to $2,600 never been late and always paid on time. Now this has put me in a negative cash advance limit which they say they will not charge me for since they changed my limit, I have paid this balance down to $1,123.29 back in Nov. 2008. They said I had to many inquires, I have not applied for any credit all the inquires have been from credit card companies. This has now lowered my credit score and the amount of credit I am worthy of from all companies. They refuse to increase my limit back until they do their inquires again on accounts.
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    Reviewed Jan. 28, 2009

    on 1/27/09 I received a letter from Amex stating my account has been canceled due to revolving accounts. I called customer service assuming this was some type of mistake,but i was informed by Pam the supervisor my account was canceled. I explained I have never been late or missed any payments on this credit card or any other credit cards. My credit limit alloted was $2,000 and I had a balance of $598.00. I can't beleive american express not only canceled my credit card, but to add insult to injury this will also affect my credit score. when i asked to speak to another manager on duty ,because i was in disbelieve. Pam said she was highest ranking superviso in the company I WILL PAY OFF THE BALANCE... BUT I WILL NEVER DO BUSINESS WITH AMERICAN EXPRESS.
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    Reviewed Jan. 25, 2009

    Answering an advertisement promising 0% interest on an $8,000 balance for one year, I took out an American Express Card. The card was taken out in November. No terms had been discussed and I did not sign anything. I used the card to transfer part of another balance from another credit card. In December I made a payment of $160, which was a minimum payment plus late fees. I generally pay my bills once a month and am doing so again this month, January, actually, near the end of the month again. Tonight, I received a call from a person who bearly spoke English, telling me that I had a bill due to American Express. After a long, painstaking effort to understand her words, I was sure there must be some mistake. After several calls, achieving no satisfaction, I finally spoke to a man who was quite clear about what had happened, and there was no doubt I was being charged late fees and balances on minmum payments and my account balance was $8,218,00 because I had been about ten days late on two payments in a row. I was trying to conceive of this. I was paying my bills each month and for just a matter of 10 days late two months I was being jumped up to a rate of 27% interest on money that was offered at 0%. I might not have figured this out if I had not pushed quite some time for an explanation. I certainly never agreed to any contract giving American Express the right jump me up to 27% jump for being just a few days late on what started out to be a very small minimum payment. I cancelled the card and asked to speak to management and internal audit. I did talk to a supervisor, I was saying I understand the computations against me were probably right, but the policy certainly was not, because I never agreed to such conditions and bought nothing with the card except for the 8,000 transfer. The supervisor seemed a bit reasonable at first, but he kept going through the computations telling me that late two months is a serious issue and this policy is normal in the financial industry. I said it was not exactly normal to offer 0% interest and then jack it up to 27% on the first opportunity.
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    Reviewed Jan. 25, 2009

    Had an aunt die so I flew to L.A. for memorial services. Prior to arranging 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 because everyone is maxed out. Hey it was just Xmas you idiots.

    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 A **. I smell a class action or refund of any yearly fee charged to all of us treated this way.

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    Reviewed Jan. 22, 2009

    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.
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    Reviewed Jan. 21, 2009

    I have been a memeber of AE through costco since 2005. I in the past year got into the habbit of using the card to earnt he rewards which was based on your spending. I had worked up to 289. in rewards with a month to go more to earn. out of the blue a month before they are due to pay me this money. They canceled my card. Which forfeted me of my rewards earnings. I had not been late or encurred any finance fees with AE but was told after a random credit score check.. my credit score was too low to have there card so they canceled it. I only found this out afte i went to use the card and it was declined. After contactig them they said they would not pay me my rewards even though i had earned them cause they were not obbligated too. HOW WRONG IS THAT?????
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    Reviewed Jan. 21, 2009

    American Express refused to work out a payment plan for my current economic crisis and as a result they hired a third party collection agency GC Services but wasn't satisfied with payment we arranged. Now they have hired another collection agency that is beginning harassment and threatening lawsuit
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    Reviewed Jan. 21, 2009

    This is a general complaint. I paid the wrong amount on my American Express Rewards card and was charged what was called a 40 day late fee. Actually I was only 10 days late so that is the first wrong thing. The late fee was for $35.00. American Express also cancelled my reward points for that period because I was late and the only way I can get them back is to pay $50.00. I don't understand why I lose my points. I still paid the full amount to get the points. Why am I both being charged a late fee AND losing all my points. Well,that's all. I also am distressed to learn from the MANY MANY complaints here about AMEX that AMEX constantly checks credit scores. Mine is good, but I understand that each time someone checks your score, it lowers your credit score. I also agree that Reward Points are a joke. They are impossible to cash and you can't get through to anyone to help me. Judging from the complaint on your site, if you complain to American Express or cause a stink they cancel your card and zero out your points. Just because you or they cancel your card shouldn't justify American Express from stealing your Reward Points. Perhaps I and all the people complaining should forward these many complaints to our Attorney Generals in our States???
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    Reviewed Jan. 21, 2009

    amex cancelled rewards points becaue I had 53,000 points and balance of $71.00.
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    Reviewed Jan. 19, 2009

    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 Menopausal women that switched me over to a homosexual not even of this country that closed my accounts for complaining, Yes I AM SUING THEM ALL.
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    Reviewed Jan. 19, 2009

    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).
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    Reviewed Jan. 18, 2009

    Arrangements made to pay American Express $110 per month for 12 months. If payments were missed or not paid on time. The amount would be due in full. The last payment was Jan.3, 2009.
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    Reviewed Jan. 16, 2009

    I made an agreement with American Express to make payments of $110/mo on one card and $100.00/mo on the other. The agreement was if I didn't miss a payment, I could continue in the program for 12 mos. Because I cancelled the credit card prior to this agreement, it was turned over to a collection agency which wants me to pay more money a month and continues to call everyday when asked not to call. The last payment was received Jan.3,2009.
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    Reviewed Jan. 16, 2009

    American Express reduced my credit limit from $4000 to $2000 without notifying me. When I asked why, they said it was due to information they received from my Experian credit report regarding too much available revolving credit. I have never missed a payment or went over the limit. I proceeded to close several accounts with zero balances that I did not use, including a second American Express card. Apparently, this action did not improve my credit from their perspective. Three months later, they closed my account without notice. I have a credit rating of 800 and have never been delinquent on any account ever.
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    Reviewed Jan. 15, 2009

    We have been A-1 clients of Amex since over 20 years, and the balance is always paid off in full every month, varying between $2,000 to $30,000.
    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. We were told that a letter had been sent to us on 25 December informing us our credit limit was cut; we only received that letter on 10 January.
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    Reviewed Jan. 15, 2009

    I went into the hospital for four months. I resumed paying them and not using them. They have been absolutely crazy even calling my boss at his home? I thought that was illegal?
    Therese Umbs
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    Reviewed Jan. 15, 2009

    I received a phone call on my job from American Express. Highly unusual so I immediately logged into my account to make sure everything was ok. I noticed that my avalaible balance had been reduced by 8k or so. I immediately contacted the company to see if that was a mistake. They told me they had mailed out a letter the day before (obviously I have not seen it yet) regarding the decision to lower the balance based upon my current high-risk balance. They acknowledged that it had nothing to do with my positive payment history and even noted that I have always paid more than the minimums but they just wanted to be careful.
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    Reviewed Jan. 15, 2009

    I had an American Express Gold card and a Blue card for about 5 years. Over the five years I had accumulated about 100,000 points so one day I tried to use those points to buy an airline ticket. I spent 4 plus hours just trying to get someone to help me redeem my points after being placed on hold for 20 mins or longer, hung up on atleast a half a dozen times and transferred from one person onto the next person. Finally, a woman came to the phone who proceeded to tell me that I had 7 days to fax in a copy of my w-2 and a signed form (which Amex was suppose to email to me) or else my account would be cancelled. I was beyond mad at this point. I did not understand what was going on and I could not get a clear answer. I had not missed a payment in the 5 years that I had the cards and I had a 720 credit score (I know this because my husband and I were trying to add my name to our mortgage so that we could refinance for a better rate. I had three credit scores and my middle score was a 720.)I could not imagine what was going on. The Amex rep told me that my account was in review due to a computer generated credit score. I told her that was impossible, that I had good credit. I asked for a copy of the credit report and she would not give it to me. She told me that they were NOT obligated by law to share MY credit score with me. Crazy!! I asked the rep when my account went into review and she told me, coincidentally, earlier that day...they same day I tried to redeem my points. Sounds to me like Amex can't afford to pay me for the points that I earned and PAID for. Anyway, I did not send the required documents in. Amex dropped my limit (which I did not have a limit to begin with) to below what I owed on the cards and they jacked my rate up to 30%. Then when I received my bill in the mail they charged me an Over-the-Limit fee. I did not spend over my limit, Amex reduced my limit to under what I owed! I tried to call amex to tell them that THEY dropped my limit to below what I owe and that I should not be charged for an over limit fee. That was a lost cause. The rep continued to argue me and continued to tell me that I spent over my limit. I never had a limit, they added a cap onto my cards after I spent the money. Anyway, Amex cancelled my cards and told me that I needed to pay the card in full immediately. (My cards were set up to where I did not have to pay my balance in full.) I owed $8000 so there was no way I was going to be able to pay off the card immediately. This story goes on and on. I receive harrassing phone calls all day long. I have even been called at work!
    Moving on, all of this started in April of 2008. Though my cards were cancelled and sent to a collection agency, I continued to make my monthly payments until Sept. of 2008. I quit making payment because I was getting no where. The fees just kept adding up. I continue to get charged late fees and over the limit fees. I have tried to find a way to resolve this issue with Amex with out reuining my credit completely but just could not find a way out. I have called a few debt consolidation companies (though I was considering this a very last chance option) and none of them can help me because the accounts are with Amex. I was told by three different debt consolidation companies that they can not negotiate with Amex. Amex does not negotiate. I have now decided, at the age of 26, I am going to file for bankruptcy. I recently had my credit checked and I now have a 586 credit score. Down from 720! I can not get out from under the harrassing phone calls and a few months ago I was contacted by an attorney for Amex. So, I am very nervous that I will be sent to court soon. It seems my only option is bankruptcy which I am currently saving for to pay for an attorney.
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    Reviewed Jan. 14, 2009

    I paid off my account in full at $9200 before Dec 31st 2008. American express closed my account on 4th Jan 2009. Up until then I had accumulated my cash rebate of almost $200. When I called them asking for it they told me that I had forfeited the right to my cash rebate because they had closed my account. Now I hadn't chosen to close my account and before they closed my account I had fully paid my account off and had earned my rebate. I am entitled to my rebate.
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    Reviewed Jan. 13, 2009

    I received a phone call on my cell phone tellings me that I owed $30,000
    to American Express. I replied that I do not have a american express card.they had information of my SS#,cell phone # and a old address as well as two other people that held this card also.They also knew I had a aarp chase card and that I had excellent credit. They suggested I transfer thi so called debt to my chase card, which is not currently being used. The phone number they called from was National credit collections. I am concerned they will try to charge this to my chase acct. I don't know how they got this information, but I wish to cancell my aarp account this date. We also have a aarp acct in my wife's name(martha) please cancel both these cards at once. This could be identity theft by the two other people that held this card back in 1999 through our church account,after I was voted out of the corporation in 2000. This is no fault of Chase, but I don't want to take the chance..Thanks Oliver Jack Beaird ph (309)274-3282
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    Reviewed Jan. 13, 2009

    I had an American Express card for 9 years and rewards for the same time. I used rewards the second year I had the card, and have been saving points since. After paying 50 a year for rewards points for the last 7 years (I don't use the card enough). My credit card was canceled by American Express on Jan 3 2009, without a warning or a explanation. My rewards - enough for 2 round trip tickets 54,000 points were canceled as well without an opportunity to transfer or use prior to cancelation.
    I called when my card was run and not accepted I was told it was cancelled for lack of use and poor credit. I have my credit checked every November so I know this is untrue as it was upper 780's. So they refused to even speak to me about the rewards points and said I had to write a letter. Funny how they cased my checks for the rewards points for 9 years and were happy to call to talk to me about making sure I keep them. So not much more to say except I will never use an American Express card in the future, I will return all their junk mailers with as much of my junk mail as humanly possible.
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    Reviewed Jan. 12, 2009

    I looked online to see my year end summary from American Express only to notice a message on the account stating account has been cancelled. I immediately called American Express and spoke to Leslie. She looked at my account and stated that the reason they cancelled my account was because of late payments and that the balance was too high. and that I'd only made minimum payments which didn't put a dent in the balance. She also said their decision was final. My history with American Express is that I've had a card for at least 20 years, first a corporate card and later a personal card. In 2007 I spent at least $50,000 with them and paid it all off. In 2008 I carried a balance for a few months. Then in late summer (I am not sure of the date) I paid the balance down about 25%. Immediately, Amex lowered my limit to the amount I owed, and their letter of explanation said I had late payments, and another reason was they didn't like my mortgage lender (I did make a previous complaint on this site about that incident, was told it was going to be published but I have not seen it published.) So for the next few months, I paid the minimum on my account whereas my habit previously was to pay more than the minimum. Then I decided to pay off the entire balance. I did this online. Not more than 2 days later, I received a phone call from Amex wanting to update my information, such as verify my address, my income, etc, much as they would do if they were doing a credit check. At that time I expressed to the woman who called that I was worried Amex was going to again lower my limit. She said she didn't work in that department but would note my account. So basically, I'm now being punished, so to speak, because I chose to make minimum payments for a few months and because I chose to pay off a high balance card. Those are my prerogatives under my card agreement, right? And as for late payments, my payments may have been a few days late, but never 30 days late. Not ever.
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    Reviewed Jan. 12, 2009

    To Whom It May Concern: In the month of December 2008, I hosted a party for my Daughter and her friends and future in-laws. I told the family I would pay for the food, tip and tax part. They are to pay for all the drinks and tax. I ran my American Express card to pay for my part, my card was declined so I tried two more times. I called American Express upon returning home to ask why my card had been declined. I was told that was illegal to pay towards my business on my card. I do not understand why it is illegal, if I had gone to another restaurant it would of cost me double or triple the amount, so that is why we decided to host it at our place. Also why would I have called if In was doing something illegal I then was told that I could no longer use any of my cards, since I had done a transaction on my business. I have been with American Express for many years and do not appreciate the way this was handled, I felt like I was a criminal to host my daughters party at our establishment.
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    Reviewed Jan. 11, 2009

    After years of not missing a credit card payment deadline, I missed one on my new American Express Corporate card. I was signed up for electronic vs. paper notification. I attempted repeatedly to pay online, 01/12, 01/14, 01/18. 01/19, 01/20. The American Express site was down, and I could not review my bill. The amount due in the notification email was different than the amount due on the telephonic pay your bill, so I wanted to understand the difference before making payment. When I finally got a hold of a person on the 20th and had access to the website, I was able to get my questions answered, understand the bill, and make a full payment.
    However, I was forced to pay a penalty, and began incurring daily finance charges. I tried to make a full balance payment to eliminate the daily finance charges on 01/31 and 01/05 but the site was down. Once again, I finally got a hold of a person on 01/06, and although the site was down, I was able to make a payment based on our discussion that cleared all the balance, interest, and penalties. American Express wants to save money by using paperless billing. They therefore incur an obligation to keep the site up the vast majority of the time. The site's repeated outage is more than an inconvenience; I have the right to know what I am paying for and ensure the accuracy of the bill before making payment. However, the company threw the liability of timely payment back on me stating that I could have called an operator; I did not need access to my account to make a payment. Note that the other financial institutions I do business with, ING and USAA Bank, had no know outages during the same period. Over the past year I have worked with them in a paperless billing relationship, there have not been any unscheduled site outages. AMEX is responsible for maintaining access to their site. This is not a profit opportunity; their downtime is their liability, not the consumers. They should be compensating the business that patronize them for repeated site outages.
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    Reviewed Jan. 9, 2009

    After 26 years of using my AMEX Corporate Gold Card without any preset limit, having spent millions, and never missing a payment a $2,000 credit limit was imposed on my company for all employees.
    The handwriting was on the wall as I read similar complaints from other loyal AMEX customers. Therefore I decided to cash in my reward points before they stole that too. I went to my account and requested a flat screen TV for which I was charged a $1,000. They then deducted 196,000 Reward points. It took a few days to set in but I finally realized that for nearly a quarter of million dollars in spending AMEX was giving me back a 1/2 percent. Not to mention, that the TV was about 10% higher than the Fair Market Value. I called AMEX to ask if I could cancel the order and instead get a $2,000 gift certificate (dollar for dollar)which they offer. With a gift certificate I could have bought the TV and had $1,000 extra. I was told NO as it was too late. When I complained about their shady practice I was told their merchants insisted that we, the unsuspecting public, be automatically redirected into SHOP AMEX.
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    Reviewed Jan. 9, 2009

    I have had (past tense) my American Express Blue Card since September of 2005. I had a $25,000 limit and have paid my credit card bill on time, in full, every month. In fact, I’ve paid every bill I’ve ever received on time and in full. I have accumulated approximately 62,000 rewards points during this time frame that I’ve had my AMEX Blue card. I had planned on using these points towards my honeymoon this October that I was literally in the process of booking with American Express Travel. This card was my primary card, and my only card with a credit limit large enough that I could use to schedule my honeymoon.
    The following is a quick background on my credit history. I have, and have always had, an “Excellent� credit score of over 750. Last month, I began the process of refinancing my home. I learned from the credit reporting agency that my bank was using that someone else's information was incorrectly attached to my Experian (only this agency) credit report because of "a very similar name." Both of the other credit agencies did not have any of this incorrect information and continued to show excellent scores. The incorrect information included one delinquent account and several accounts with balances near their credit limits. The incorrect information was immediately removed by Experian (on December 26th, 2008), and I was told my credit was now in perfect standing. I obtained an updated credit report showing all accounts in good standing and 0 delinquent payments. I became aware last week of a promotion to be awarded a $350 statement credit as well as double reward points if I book travel with American Express Travel of at least $3,000. I spent several hours with the travel department planning my honeymoon. On January 7th, 2009, I attempted to book my honeymoon through American Express Travel, and was notified that my card was declined. After several hours, three departments, and countless number of phone conversations with American Express, I learned that my card had been cancelled by American Express and that there was no reinstatement possible. I was not notified by anyone that the card was cancelled and was forced to suffer the embarrassment of having a charge rejected. Is this how American Express treats their customers? I was told I would have to apply for a new card. I called American Express again (on January 7th, 2009) to find out more information on what exactly happened. I was again told that my card was cancelled TODAY and there was absolutely no way they could reverse the cancellation. They indicated it was cancelled because of an Experian credit report from December indicating a delinquent payment. When I told them that my credit report had incorrect information, and it was resolved, they said there was nothing they could do and that my card was cancelled and all of my reward points would be forfeited. I offered to send them an updated credit report proving I have NEVER had a delinquent payment, and that ALL accounts are in good standing and they declined. I asked how I could keep my points since none of these issues were through any fault of my own. I was told the points would be forfeited and I must apply for a new account. These points are worth (in vacation savings) of over $600 to me today. I then spoke to an individual at the New Account department. I was notified that there was no way to open a new American Express account and to move the points to this account. The individual I spoke with told me that the points would be forfeited in 24 hours, and I would not have a card number populated until they sent out the new card. I was then told that since I couldn’t have a card number populated immediately, that I could not be able to take advantage of the American Express Travel promotion of a $350 statement credit.
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    Reviewed Jan. 8, 2009

    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 concurred 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 affected my FICO due to the actions of AMEX. Our country is in a bad economic state and AMEX is trying to hurt cardholders... Please advise as to what action I can take against this company. Thank you.

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    Reviewed Jan. 8, 2009

    I have been an American Express Optima credit card holder for over 10 years and have had a perfect payment record with them for my entire time as their customer. My credit limit was set at $4,500.00 and I had a balance of approximately $3,000.00, but always paid on time and most of the time I paid more than the minimum amount required. Unfortunately, due to my own forgetfulness, I missed ONE payment by ONE day in December 2008. As a result, they hit me with a $38.00 late payment fee and lowered my credit limit to $3,000.00, so that the late fee put me over the limit. Not only did they do this to me, but they DID NOT NOTIFY ME.

    My current statement (for which payment was due on 1/26/09) said that I had a credit limit of $4,500.00, but the representative told me that they decided to lower my credit on January 2 - one day AFTER my January 2009 statement was dated!!! When I asked the representative why I wasn't notified, she told me that a letter went out in the mail the same day that they lowered my limit. They told me that it was because of my inability to pay. I was only ONE day late with a payment in over 10 years! When I stated that, the representative said that the company was also lowering their limits due to the poor economy.

    Fine. If they want to lower my limit due to the economy or because they all of a sudden find me an unfit customer after all these years, fine. But shouldn't they be required to give consumers some fair warning/notice? I wasn't even sent an email! And to this day (Jan. 7), I still have not received the letter that they said they sent out. Shouldn't there be a 30-day warning or at least a two-week warning? It just doesn't seem fair... or legal.

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    Reviewed Jan. 8, 2009

    I was sent an email from American Express. I am a platinum card holder and often receive announcements, offers, and advertisement by AmX. I saw a trip offered by AmX for hotel and flight for the Winter holidays. I booked my hotel, booked my flight and thought I was set. I called a couple of weeks prior to my departure date to talk about the package deal I was purchasing at the hotel. I called the hotel 800 number to discuss my upcoming stay. I am a "Rewards" member with the hotel and was looking into a possible upgrade in my room, or checking to see if we had the breakfast buffet and if so, if we could extend it to three people as to the usual 2.

    At that time, I was told I did not have a room. There was no notice of my reservation. I quickly called AmX to make sure all was right. At that time, they gave me my flight information, confirmation, etc... They said that "yes", indeed my information had not been sent out to the hotel; however, they would take care of that. I printed out the information that was emailed me from AmX. It had my flight, seat numbers, hotel information, confirmation numbers, etc.

    My two kids and I 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 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. I was tired and traveled. So, my kids and I went to our room, which overlooked the parking lot and was a smoker's room. Neither had I requested. 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.

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    Reviewed Jan. 7, 2009

    American Express canceled my account out of the blue, dinged my credit and refused to pay the rebate of $344.67. The cancellation was all based on arbitrary subjective information. Is there any way I can sue them in a class action or regular lawsuit to restore my credit and receive my $344.67?

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    Reviewed Jan. 6, 2009

    We have been with AMEX since 2003. The bills were always paid on time. Suddenly, they started decreasing our credit limit by more than 90%. Last thing they did without any notice was they deactivated all the cards. When I called them, they said they want me to fill up form 4506-T and submit this to them in 5 days or they will cancel my accounts permanently. I do not feel comfortable with this situation. I am going to pay them off and never deal with them again. I have to come up with over $6,000 just to pay them off when they offered me a balance transfer of 1.99% for life. Also by decreasing my credit limit by 90%, it caused my debt ratio to limit be high, which lowered my credit score.

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    Reviewed Jan. 5, 2009

    AmEx appears to be on the rocks. After 26 years of doing business, spending millions of dollars and never missing a payment, my small business has been capped at $2,000 per month without notice. When I inquired why, I finally was able to learn that to continue with the no preset limit, I needed a FICO score of 750 plus better than a 40% equity to debt ratio. I was told when I accomplish that to come back and AmEx will revisit restoring my no preset limit. By the fact that AmEx has now capped our company, they have lowered our credit rating even further making it impossible for us to do business. AmEx qualified for a bailout by our government with our taxpayer dollars but is putting the small businessman out of business. Simply Disgraceful.

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    Reviewed Jan. 3, 2009

    After numerous attempts to book a round trip flight through the American Express website so that I could apply my membership rewards points to the travel, I kept getting the same message in a yellow window saying that they could not process the information. I finally called American Express and they were unable to get their own website to work to process my flights. I was not able to use the advertised service of applying my membership rewards, and I had to book the flights at full cost through the airline's website instead. It would have saved me money if I had been able to book my flights using my advertised membership rewards.

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    Reviewed Jan. 3, 2009

    I have been an AMEX GOLD EXECUTIVE member since 1982, a span of 26 years. I have spent millions of dollars with AMEX and have never once missed a payment. I received an email notice from AMEX that they were limiting my COMPANY spending to $2,000 per month. My average bill always paid on time is more than $5,000. AMEX saw fit to kill me as a small businessman. When I told my employees the news they assumed I was in trouble and sought other gainful employment. AMEX has ruined my business without due cause. AMEX advertises and charges an annual fee for no restrictions or limitations on spending. I have heard they have done this to other small businesses as well.\

    AMEX has solicited the small businessman, saying this is the only card we would ever need. Now they are putting us out business as we can't even go on a business trip as we are capped on our spending. I could understand if it were an ordinary credit card with a revolving line of credit? But it isn't, as the bill is paid in full every month. What is going on here? Someone should start a class litigation against this company.

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    Reviewed Jan. 3, 2009

    I had a fraudulent charge when I checked my account online. I called Amex, they forwarded me to the dispute department even though I told them I had looked at the charge, contacted the vendor, and had a copy of the invoice showing that I did not order the computer. I then checked my billing info which had been changed, including my phone number. I knew this was fraud. So I asked Amex how this info was changed and why didn't I receive an email confirming the changes since this person pretending to be me did not change my email contact. Amex told me that this person called in and had the answers to my security questions. The representative also told me that there was a note on my account that someone had called them to tell them that they received my bill.

    There is still no email from Amex, even though email is my preferred delivery for account alerts. I thought it could not get much worse until I asked if the phone call from this person was recorded by Amex. They told me that it was recorded; but that I could not have access to the records unless I hired a lawyer to subpoena the records. So the only information Amex will give me is that my complaint is under investigation and that they will tell me the outcome by Feb 20, 2009. Amex has not only refused to help me with my identity theft case, but have even prevented me from obtaining any information to open a police investigation. I filed a complaint with the Federal Trade commission and closed my account. The American Express Fraud protection that they provide their customers is a joke at best!

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    Reviewed Jan. 2, 2009

    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 derogatory notes on my report. I asked if they were related to medical bills from a vehicle 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 re-establishing 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.

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    Reviewed Dec. 31, 2008

    american express lowered my credit limit and brought down my fico score. is this a fair practice? good thing we're not using the card when they emailed me that they lowered my credit limit for the 4th time in 6 month (20k to 1k).....the day i receive that email from them...i called and close my account....
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    Reviewed Dec. 31, 2008

    In July-American Express Merchant Services approved a $50,000 transaction. Several days later they phones and said it shouldn't have been approved and demanded full pymt. We are an auto dealer and explained we did not have the funds to pay in full. We started making pymts and they accepted them. We paid them, $22,000 from July to Dec 2008- Apparently they turned this acct over to a collectionn agency and on Christmas Eve Patrick Garcie, unit Mgr from American Recovery Services phoned my home and office to speak with me. He made threats to my wife at home and to an employee saying there was a lawsuit. When I finally spoke with him he yelled, made threats-making my life miserable, disconnecting credit card machine and filing a lawsuit-he yelled as well for full pymt or else. A couple of other conversations and I phoned to refuse to deal with him any more and spoke with Robert who has supposedly agreed to a plan-No one deserves this treatment-espcially a law abiding citizen trying to pay off a debt the best my company can-Auto dealerships can barely stay open and this is what we get-Thanks for your time.
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    Reviewed Dec. 31, 2008

    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.
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    Reviewed Dec. 30, 2008

    November 10, 2008 Mr. Kenneth Chenault, CEO American Express World Financial Center 200 Vesey St New York City, NY 10285 Dear Mr. Chenault: For over the past four days, I have been wrestling on the approach and tone of my letter. It ranged from one of a sarcastic tone and frustration to telling everyone I know who has an American Express card to tear them up! Instead, as a business owner and adult, I felt that my message would be disregarded if I took that approach and instead opted on one of facts. My account number is (was) 3783 477140 xxxxx and I have been a member of American Express since 1995 when I started my company. When reviewing account, I would safely assume that my expenditures through American Express have exceeded $600,000. Like many small to medium size companies, we fell upon financially challenging times and yes, I suffered cash flow issues, which caused me to fall behind in my payment to your company. I am happy to say that the tides have changed and my industry is on an upswing! American Express called me and arranged for a payment plan for the remaining balance, payable over a twelve-month period. If you look at my account, hopefully you or one of your assistants will, you will see that we agreed to payments of $1600 a month and I acknowledged that I could not use my cards. totally fine! I remained current with my payments. Two weeks ago, I received another call from an American Express agent asking for another payment, which was unusual, and I was told that my account was being referred to collections. I stated that I had made arrangements with another account representative but your employee who I was now dealing with became rude and put on her collections hat? I made an additional $1000 payment trying to avoid collections action. Well, sure enough, I received a call from a collection company that now had my account. The agent with that company treated me with dignity and respect leading us to agree that I would pay down the balance within ninety days so American Express would be satisfied! In conclusion, I am disappointed in American Express as your company did not honored its agreement with me and furthermore caused a blemish on my credit. As I stated previously, my company is on an upswing and I cannot conceive the notion of ever using your product again. Please do not have one of your assistants draft a standard response because it would be a waste of their time but I truly hope that you will have an opportunity to read and absorb the contents of this letter as the life of a company, who are not privileged with Federal bailouts, are only going to survive through customer service and compassion. Best regards, Gregg E. Salomone, Pres. Spectrum Health Services, Inc.
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    Reviewed Dec. 30, 2008

    I received the following email re my account. The previous limit was $3000. I have not been late in paying. I use this account for frequent travel for my business. I've had the account for about 2 years. Can they do this????
    Important Account Status Notice of Credit Limit Reduction Your Account ending in 161008 Log in to Manage Your Account Online Dear Cathy S Nelson: We are contacting you to let you know that after a thorough review of your credit profile we have lowered the credit limit on the account listed above. We wanted you to be aware of this change immediately. Your revised credit limit for purchases is now $1,300.00. The new cash advance limit is $200.00. Please ensure that any additional cardmembers on the account are also aware of this change. We have sent you a letter with a full explanation of how we came to this decision, but wanted to contact you via e-mail to ensure that you were aware of the change as soon as possible. Sincerely, American Express Account Services Privacy Statement Contact Customer Service Add Us to Your Address Book This Customer Service e-mail was sent to you by American Express. You may receive customer service e-mails even if you have requested not to receive marketing e-mails from American Express. Copyright 2008 American Express Company. All rights reserved. FLGEUFLG0048001
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    Reviewed Dec. 30, 2008

    Amex is doing a scam on the public by advertising in the media and on its online site that there is no pre-set limit on their charge card which you pay in full each month. Maybe in the past that was true but when you are embarrased after a DECLINE at the merchant you find that they are perpetrating false advertising on the public and they don't have the decency of any warning of the limit till it is too late. Shame on you AMEX
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    Reviewed Dec. 29, 2008

    I received a threatening letter today from American Express that they cancelled my credit card. I have been a member since 2001 with no balance. I believe that my account was unduly and unfairly cancelled because I do not use the card. My question is...Why was I issued one back in 2001??!?! I have been a member since 2001 and I am so distressed that this threatening letter stated that this cancellation would also be reported to the credit reporting agencies!Amercian Express has delved into my personal history after seven years and I believe that the economy the way it is today they are closing accounts of hard working consumers like myself to get rid of us! I do have several credit cards with no problems as I have them for family and medical emergencies. I hope that Consumers Affairs will truly investigate this scheming tactic as I know other consumers will be devastated by this letter. Thank you for your review and I look forward to your response. I have kept the card and the letter for future inquiries. I have also contactd my local media and American Express Corporate Headquarters via mail.
    HAPPY HOLIDAYS,
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    Reviewed Dec. 28, 2008

    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!!
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    Reviewed Dec. 26, 2008

    On 12/23/08, I tried to get a cash advance at 2 different bank ATMs, and neither could process my card. It wasn't denied, it just couldn't be read. I called AMEX, and they had no record of the card being swiped. Concluding that the card must be damaged, I put in to have a replacement sent, leaving my current card active.
    On 12/24/08, I tried another ATM, and lo and behold, it worked! I called AMEX to ask them not to send the replacement card, and was told that my card had been cancelled. I asked to speak to a supervisor, because that had to be incorrect as I had JUST used the card successfully. Supervisor comes on, and says that as a result of a periodic account review, my credit score had gone down due to a high debt to something(? can't remember exactly what he said) ratio, and from a number of inquiries into my account in the past 12 months. The only other accounts I have open are one other revolving credit card, and a car loan, and both had approx. the same amount of debt on them when I was issued the AMEX. I asked where he got his information - Experian. So on 12/24/08 - 6 minutes after I used my card in the ATM, it was cancelled. I have really good timing! On 12/26/08, I submitted a request to view my credit report from Experian. There have been NO inquiries after I applied for the AMEX card. There is one previous to getting the card, and that was months before, so this information was available to AMEX before they issued me a card.
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    Reviewed Dec. 23, 2008

    American Express has reduced my credit line from $32,000 to $16,800 when I currently have a balance of over $15,000. My past spending and payment patterns show over $1500.00 a month is charged on this card annually. 6 months ago American Express raised my credit limit. 3 months ago I sent a $14,000 principal payment on this account. I have nvere been late on any accounts with AMEX or any other lender and my credit score is 699 with no delinquencies reported. The action by American Express will cause the account to reach or exceed its limit before the end of the month. Then the over the limit fees will begin. All of my business advertising is done through this account. When the limit is reached all of my advertising will stop and my business will stop.
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    Reviewed Dec. 23, 2008

    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.
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    Reviewed Dec. 22, 2008

    AMEX BE AWARE!!!!!!!!!!!!!!!
    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.
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    Reviewed Dec. 21, 2008

    In Oct 2008I was approved for an American Express Gold .I used the card at the end of Nov for Business Travel and some other business expenses . I thought it would be easier to just use this card and pay my Bal each month then I would not have to chase a bunch of reciepts . Yeh right . I used in Nov 2000.00 of my 12000.00 limit I then flew to New Mexico from NC knowing I had this card and seeing all the commercials where people aren't taken serious unless they have AMEX. Well I got to NM and attempted to pay rent on my Office there with this card . (Oh by the way I have a small Woman Owned Business and was traveling alone on Business ). Well needless to say I was declined . I called and inquired as to why and it seems that AMEX pulled a credit report form Experian and stated I had to many enquiries , my debt ratio was too high , and I didn't have a long enough lenght of credit history . I was floored and very worried because I left everything else in NC and brought no cash . Luckily I was staying with my daughter so I managed . But I then pulled my trio Credit Report and My exuifax showed the inquiry from the AMEX and the Delta Visa and a few other inquiries which I had done for Business purposes . ANd the Experian had NO New inquiries at all . But this is their reasoning . Yeh right . This company is fraudelant . I hadn't even recieved my frist bill and they cancelled me . Well the same thing just happened to my husband . He used his card to buy something for christmas so I wouldn't know until after christmas . And they cancelled his today . For the same reasons as mine . Ya know what this does this will look bad on my credit because the consumer closed the acc. Not to mention the points that their inquiries have taken from our scores . So for business owners we are screwed if we were counting on this card helping us . And they trully did make me think I would be able to use the card like any other Credit Card . My score was 684 now it is 644 . Hubby's was 701 now it is 6 something . They lied when the approved me for this card . They gave me no oppurtunity to make my first payment nor my husband . ANd the have wrecked our credit scores . It will take another 2 years for it to go up . And no neither he nor I have any late payments , past do Balances or anything . We pay everything on time . I mean everything .
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    Reviewed Dec. 20, 2008

    I have been an American Express Card member since 1973 in good standing with exception to a period of time my business was being embezzled from and I was forced to close an acocunt that had been compromised by an employee. I have pid my accoutn every month on time and always either paid in full or a large portion of the bill. Recently, my son was injured in teh Middle East requiring me to fly to Europe to be with him. While there, my accoutn, which had acredit line of $8800 and a balance of $3600 had the line reduced to $3800!!! With no prior warning or notification! I was stranded in another country with no available credit what-so-ever on the only card I brought with me with an ailing son. I checked my account and everything was paid on time and my work status remained unchanged. There was absolutely not indication as to why they would do this to me. I had to have family wire funds to me from my checking account to support my last week and pay for my flight home. I will never, ever again trust American Express and I will make certain that I do leave home without it. As for my business, I have removed my American Express Accepted Here signage and enocurage my clients to use Discover, Visa or MC. WARNING: DO NOT TRUST AMERICAN EXPRESS UNDER ANY CIRCUMSTANCES!!!!
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    Reviewed Dec. 19, 2008

    American Express reduced my credit limit,and then send me an email after it was reduced.
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    Reviewed Dec. 17, 2008

    On Thanksgiving Day I received an email from American Express stating that they placed a limit on my Gold Card. I've had the card for over 10 years and there was never a limit. The new limit which was less than the balance owed on the card. In other words, they cut off my credit line after over 10 years of a PERFECT payment record. I phoned them that day and the representative cited several reasons for this adverse action, none of which were correct (e.g. too many new accounts, too many finance company accounts, demonstrated inability to pay balances when due, etc.). I explained that I have not opened up ANY new consumer accounts in over 5 years, I NEVER paid American Express or any other creditor a day late and I have absolutely no finance company accounts. There must be a mistake. The representative told me to contact Experian. I immediately obtained an online credit report from Experian which confirmed no derogatory items whatsoever and no new accounts. In fact, my credit score was 749. I called Amex back and spoke with the same representative. She asked me to fax the credit report to them which I did (as if Amex does not have the ability to run a credit report). This was nothing but a rouse. I called them 1 week later to follow up on my fax. I asked to speak with a manager and was transferred to a representative named Amy. Amy stated that they received the credit report but would not re-instate the account. She further stated that the decision was not reviewable. She then made up a bunch of lame reasons defending their incorrect reasons for cutting off the account. Amy was quite rude and refused to let me speak to anyone else. Although Amy misrepresented herself to be a manager, it was obvious that she had no authority or interest in resolving the issue. I paid off the card and stuck it in a drawer to collect dust. In the past, American Express has always delivered professional and competent customer service. Based on the hundreds of recent reviews I have been reading about the exact same issues, it has become apparent that their service levels and overall competence has greately deteriorated. It is understandable that, due to the current economy, they need to make some policy changes. They recently got emergency permission from the government to become a bank and recieved bailout funds. But hey, they need to own up to their own shortcomings...NOT blame their customers for their stupid business decisions. Use your VISA and MASTERCARDS. You will get much more professional service.
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    Reviewed Dec. 17, 2008

    I received a letter in the mail,stating they have reduced my credit limit due to pulling my credit report. They did not review the whole credit report and base their decision on the whole report. I have been a customer of American Express since May of 2006 and have not once paid them late. I called American Express to ask them why I was being punished for paying my bills on time. They said due to pulling my credit report. I asked them to specifically give me what was on my report that lead them to reduce my credit line and they could not give me a specific answer. I was givin an address to write a letter. Apparantly there are no human beings to talk to past the Supervisor.
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    Reviewed Dec. 16, 2008

    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
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    Reviewed Dec. 16, 2008

    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. Bernie Maddoff's clients were thrilled with 10 -15% return. Isn't that good enough for these greedy giants. Shame on you all!
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    Reviewed Dec. 16, 2008

    I Pay my bills for american express ( and I have two different accounts)
    ALWAYS IN FULL. It seems that they give mme ten days to pay. My bank pays them in 3 days and OVER and OVER I am getting a Finance charge because THEY say I am late by 2 or 3 days. I have proof that I paid this and it was cashed in time. HOW MANY people that pay their bills in full............are getting this charge??? AND STUCK PAYING IT with no way to dispute it. I am so upset and angry by this scam American Express is pulling I can't be the only person Month after month= I pay my bill on time- they give me TEN WHOLE days to pay it and I do....only to keep getting this charge. WHAT CAN YOU DO BUT CANCEL your card
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    Reviewed Dec. 16, 2008

    Presently holding American Express Blue Card. Applied online for American Express Rewards Plus Gold Card with an offer of $150 membership fee waived in first year. First statement had the membership fee included. Called 24x7 number and spoke with Joel who advised an 8 digit PIC was required. Checked online again, confirmed not the case after checking all fine print and called 24x7 number again and spoke with new representative. An investigation has now been raised by the supervisor.
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    Reviewed Dec. 15, 2008

    I have been a customer of American Express for more years than I can remember and about a year ago Amex cut my credit in half which really pissed me off, but since I have a small balance it didn't really matter. Well today 12/15/08 I received a noticed that they cancelled my card completely. I have ALWAYS paid my card on time and my balance at the time of cancellation was only $91.00. I called and got the usual I'm sorry sir Bullsh*t. I was so pissed at Amex that I told the girl that Amex sucks and I understand there is a credit crunch out there but I pay my bills. She refused to reinstate my line of credit and I told her that was fine because when the credit starts flowing again and they send me notices saying we want your business I was going to tell them stick up their butt.
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    Reviewed Dec. 15, 2008

    On December 14th, 2008 I reviewed my credit profile on www.americanexpress.com. On my account i had a spending limit of $4000.00 that has been applied to me for quite some time now. My account has always been in good standing and i have never been late or missed a payment. I use this account for business and personal use. I had been saving some extra cash for christmas amongst other things, and being with a newborn baby this year this is money that i needed to have available to me for Christmas and the Holidays. Trying to do a common practice that most americans do, I wanted to pay $1345.00 on my card, so that i would have an available spending limit of 1700.00. This would give me the couple hundred that i needed for Christmas and still pay my balance down on the card (Which i thought was a good idea). Needless to say, After i made the payment immediately my credit limit was cut in half. Meaning now, I have a maxed out account which will in turn effect my credit rating and also now i do not have the money that i was relying on for Christmas (lesson learned here). In the mix of all this stress that has been placed on my back ( a hard working, tax paying citizen) I realized that American Express did NOT warn me of this action, No letter was recieved, no online notification, Nothing! This is fraudulant to me. I know they have disclaimers, but it is so broad that should be illegal. Things like this is why our economy is suffering and our families are hurting. It isn't right.
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    Reviewed Dec. 15, 2008

    In August of 2008 my mother passed away. As i am active duty I was sent home on leave to take care of funeral arrangements. While in California for 30 days, I neglected to pay any of my bills. Once I arrived back in Japan one month later, I had to call all of my bill companies and explain to them what happened and make my payments for the prior month and current month. Every single company, exept for American Express was willing to work with me and offered their condolenses. American Express claimed that they would remove the late fee and replace the interest rate on my card back to my orignial rate. When I got my next bill it showed that I was being charged over 600 dollars in fees, so i called and was told that a death was not an acceptable reason to miss a payment. I tried to work with them by making an additional payment plan on top of my monthly payments and they refused. They wouldnt even take a payment over the phone unless it was for 900 dollars, which is what they were claiming I owed. So I went ahead and payed several hundred dollars in the next two months and another 500 dollars in december. The last representative i spoke with, who called me at 3 in the morning, told me that all i had to pay was 300 dollars and we could settle it out and continue to put my account in good standing. Trusting him, my first mistake, I paid them 300 dollars right then, on the 4th of december, and yesterday i found out that shortly after my payment, my account was canceled and sent to collections. I called to speak with the last man I spoke with, Mr. Surles but he would not get on the phone so i simply explained to representative that i felt it was a testiment to the company's moral beliefs. I couldnt believe the man would lie to me and tell me anything he could to make me trust him. I had tried everything i could to work out the debt with them and they were completely unwilling to accept my countless offers.
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    Reviewed Dec. 12, 2008

    Reduced my credit lines on all 4 cards by a total of $44,000. I have never been late with a payment, always pay double the minimum balance due, and
    have never used more than 20% of my credit line. They say that Experian is
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    Reviewed Dec. 11, 2008

    I joined a credit counseling program (ACCC) three months ago. They proposed to AMEX a monthly payment of $95.00. Until the proposal response would either be granted or denied they still took the amount of $95 and submitted to AMEX even though AMEX has neither declined nor granted the initial proposal. We received a call from a Nationawide Credit Inc. (866-479-7925 x 2162. Roc) stating that AMEX has turned over my account to them for failure to pay on the account. The account is current as ACCC has been submitting the $95. If AMEX were declining the proposal why accepted the payments of $95.00.? Also if the account was current why did AMEX take it upon themselves to close the account and not inform the cardholder? Also, when attempting to discuss this matter with AMEX a customer service representative on 12/11/08 at approximately 5:40 EST got rude, crude, nasty began screaming and hung up the phone on me. I want to know if AMEX have gotten so frazzled by the economy that they have begun to hire morons to replace good representatives? or have they decided to cover their own behinds due to these losses that they prefer to just turn over pertainent, privledge information to third party companies to make up the loss of monies from those that are really bad customers and maybe that would explain why no statements have been received?
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    Reviewed Dec. 11, 2008

    regarding credit card number: 377242056241006
    to whom it may concern:
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