American Express Platinum Card Reviews

This is supposed to be one of the best of the best. I have been a customer for 28 years. The service gets worse each year and the costs higher. Now I call the concierge line and find I am to hold for 90 minutes. They must know I am not going to do that. What a terrible experience.

After leaving an abusive marriage, and trying to turn my life around, then Covid hits. Without notice, AmEx took my BUSINESS account and reported it to my PERSONAL account as a collection. The last payment was in May, and they did this in July. We have had an excellent relationship with AmEx and always paid on time. Covid severely affected our business income, losing 75% of our business. My personal credit was great. They now have caused a more than 100 point drop on my report.

I applied for the Hilton hotel credit card with American Express on May 9th, 2021 since the welcome bonus offer looks good to me and I got it approved on the same day. I received my credit card on May 18th, 2021. As per the welcome bonus offer, if I spend $1000 in first 3 months, I will be eligible to receive 80,000 bonus points and if I spend $6000 in 6 months, I will be eligible to receive an additional 50,000 bonus points. Since I was already planning for a family trip, I used this credit card to book my trip and used it for grocery shopping and to purchase other household items as well. By June 18th, 2021, I was able to meet the minimum eligibility to receive a total of 130,000 bonus points and my billing cycle was also reached.

I used to love my Amex platinum for lounge access and various other travel perks. Yesterday - my family's flight was canceled. Amex insisted it had not been cancelled. We went around in circles and got nowhere. At one point I was told I would need to remain on hold for up to an hour. I asked "can you call me back?" Nope. Can't do that. I have to sit on my phone. Overall I was on the phone for 3 hours. Nothing was accomplished. I hung up on them and will cancel my card when the balance is paid off.

Just spoke to Peggy ** from AMEX. She was very rude and did not understand the situation whatsoever. I was told by 5 reps (yes, 5 individual reps) that my account is cleared for a charge I was about to make. The charge was declined although I'd wired money to AMEX specifically for this charge. I called to check why it was declined, they advised me to split the payment into 2. I did that and it was declined again. I called them again and explained that if the charge doesn't go through I will incur fees since it's a long weekend. They said to try it again. Tried, declined. Called again and spoke with Peggy. She gave me some attitude, which I did not deserve, I did not yell, spoke respectfully. I am their client for about 12 years but no more. I am closing all my accounts with AMEX, business(es), and personal, and I advise you to do the same. If they are not there the 1 time in 5 years that I need them then what's the point.

I called to ask a question on a service from Kabbage, one of their mergers. The man (that might be too much of a word) said they are not related to that section and hang up!! So disrespectful!! He didn't even let me finish express the problem I was calling for.

I can survive without this card and can definitely do without the frustration. I received a new card, tried to follow the activation instructions and was still having issues 2 hours later. The website process asks for your card number and security number, then wants you to log in or create an account. My existing account login failed. I know my ID and password are correct but I try to reset the password anyway to just move ahead. The website tells me the system is down and can't reset my password. Which one is it? Bad credentials or a crashed service?

It is not every day that a credit card company tries to dump its customers. But that is exactly what American Express is doing. They have this "Blue Cash Everyday" card that is just your basic credit card with some perks and no annual fee. This was a replacement for the Amex/Costco credit cards. After Costco gave Amex the boot, the Amex credit card became irrelevant. Merchants don't like American Express because they charge higher fees than other credit card companies and, consequently, there are a lot of places that do no take Amex cards. So American Express has decided to eliminate the no fee and card and replace it with one that has a $99 annual charge. Of course, in the long run this does not matter, cause in the not too distant future some conglomerate will swallow Amex. I would suggest AARP buy it since most of A E customers were born during WWII.

Almost zero value on this card since Covid, the platform for accounting, statements and excel is extremely poor, as is the travel section which shows hotels in results that are not available and is always higher priced than other companies. The airport lounges did provide value but they are 99% closed so where is the value? There isn't. I recently updated my bank account from BOA to Chase and Amex cancelled the autopay without notifying me then when I noticed my bill hadn't been paid they tried to say it was my fault. I have 3 years of paying my bill off every month. The benefits are weak, the service is awful, the financial platform is sub-par and their annual fee at 550. They won't budge even with no services available. Visa and mastercard are waiving a lot of their annual fees, I suggest Amex catch on. I for one will be moving my business elsewhere.

I used to travel a bunch, but with COVID this is my 1st foreign travel in a year. What could have been a click of a button to change my seat, I had to call, wait for them to call me back for an hour, and when they did I had to wait another 15 min listening to horrendous music. I hung up. So my seat didn't record so I had to call but it's not a full flight. I'll be okay.

After 10 years with Amex, I have decided to cancel my account/membership after a treatment that I deemed unprofessional and unfair. I have never been late and have carried amounts higher than my current balance. I have always paid my balances and have always been responsible. I found out that my credit limit was suddenly reduced from $35,000 to $18,000 without any valid explanation. The reduction will inevitably appear on my credit report as a high credit usage which in turn will hurt me and my score. After trying to explain the issue to a couple of customer service reps, they were not able to address the issue nor escalate it. I feel disrespected and not valued. I would not recommend Amex and urge them to treat their valued customers with respect. Sad for a business that claims to take care of its customers.

American Express commands high merchant fees and high card member fees for a reason - they had excellent customer service. However, their service has declined precipitously over the last few years. They used to be excellent at resolving charge disputes and replacing lost cards anywhere in the world within a day or two. I have had an AMEX card for over 3 decades, and had my Delta Airlines Platinum Card for over two decades. I recently closed that and got the Delta Airlines Select Card, which has an even higher fee, because it gives me access to Delta's lounges. They issued my new card with the standard initial limit of $10,000.

This card has been nothing but a hassle, even four months after canceling it. First time I canceled it was last Sept after paying account in full and getting agreement from rep to drop late fee. I canceled card because even though "late fee dropped," the rep told me I had to go ahead and pay it anyway and then in a month they would refund it. That made no sense, so I canceled card. I thought. Got another bill, so called in and paid off evidently some charge that they claimed had not hard posted in Sept...plus late fees. So, I canceled card *again* and paid off charges *again* and rep agreed to drop late fees *again*. Then, in Dec I get another email about damn late fees. At least the card finally canceled...I think. So I call in and rep says can't cancel late fees (which were already canceled 2x) but could escalate my "case" to some other office who would let me know their decision.

American Express has this weird cash advance program. Your cash advance say $1,000 and get the $1,000 from the atm. However, 2 days later, amex goes into your bank account and gets the $1,000 back plus adds $24 or so in fees. What's the point?

Everywhere online you read that American Express gives you an instant card number upon account creation if you apply online. That's a lie. They didn't give me one, they didn't explain why they didn't, and hours of talking with customer service on the phone and online produced absolutely no result. They refuse to expedite the shipping of the card which would take 10 days through the regular mail and they refused to explain why they didn't give me an instant card number. Every representative gave me the same canned response. If this is the way I'm treated when I'm just starting out with the company, I don't think I will be staying with them any longer than it takes to get my reward points and get out of there.

We are so sorry for having gotten an American Express card for our Non-Profit. It has proved to be useless. Every time we try to make a charge it is turned down. We have a $15000 limit and have never gotten anywhere near that in charges yet get declined constantly and have to call to get it cleared. It is extremely embarrassing. We have now talked to 11 different agents over the last week and after getting switched back and forth for extended periods they each told us they cleared up the issue. So we go back and try the charge again and once again it does not go through. So each time we have to use another credit card which of course goes through with no problems. Using American Express is a total waste of time and effort. DO NOT DEPEND ON AMERICAN EXPRESS!

I felt disgusted, annoyed, and disrespected as I was addressed as "ma'am," when I informed the customer representative named Mark ID: **, that I am a male, and told him to address me as sir. Instead of listening to what I have to say, he chuckles, and then continues to address me as "Ma'am," when I already corrected him to address me as "sir." He apologizes later on, but then he goes back to addressing me as "ma'am," the third time and laughs over the phone. Then, he goes on to address me as "Ms. Yu," instead of Mr. Yu. I was truly devastated and inflamed by his immaturity when I was trying to seek help with my credit card over the phone. All in all, I felt that this person needs to be disciplined as he was insulting me and I truly did not feel that I had even close to a 5-star customer service. It was more of a 0 star if I had to give a rating. Please fire him. He's untrainable, he's incapable of listening.

I have had a Gold Amex Card for over 35 years, probably over 40 years. I used to always tell everyone I knew that Amex was the only card worth getting for the sole reason that their Customer Service was so superb. In so many years of using the card for both business and personal use, I put a huge amount of charges through over the years, really huge. Inevitably, once in a while (not often) there is a hacker or a disreputable merchant putting through a charge. Every time, up until the past year, I could reach an intelligent and helpful support person, in my own country, within just one moment after calling -- and each time, that person promptly resolved the issue in record time with minimal hassle. Unfortunately, that has all changed.

I used this company for many years, now I know who they are. Lies to everyone, don't care nothing, and the name of America is soo big to this company, they hire people all over the world, to pay nothing, all never do business with this people in my life...

Everything about American Express is disgraceful. I signed up for a Cash Magnet card under a promo offer for 0% interest for 15 months, $200 bonus for a minimum spend, and 1.5% cash back on purchases. I was approved for the card, had been using the card to purchase material for a project and then a month in received an interest charge of $150 even though I paid the minimum payment and it was supposed to be 0% interest for 15 months. I also was not receiving any cash back or other bonuses. I called Amex to figure out what was going on and they told me, I wasn't eligible for the promotional offers. When I asked why, they couldn't tell except for someone in the "specialty department" decided they removed those options for me.

I've been with American Express for 7 years now and had a $33k credit limit. I've never missed a payment, paid late, or given them any reason for concern. Today I tried to make a $5k purchase and my card was declined. I call them to see if it was something I needed authorize and was told that my credit limit has been decreased from $33k to $1,500. Yes, you read that right; they took away $31,500 of credit line. They told me because I don't spend the full limit of my card, they reduced it to what I actually use.

American Express used to be known for reliability and excellent customer service. I’ve had the Amex Blue Card since college and kept my account opened although sometimes it’s not accepted by certain merchants. Recently, something happened to American Express. I’ve been getting hit by late charges plus interest. Although I have sent my payment via my Chase pay app, they did not receive it on time. It’s the weirdest thing because my Chase bill pay app indicated that it will be delivered before payment deadline at the time it was sent out.

On a domestic US flight the Delta cabin crew introduced me to the Amex Delta platinum card. It sounded great. You get one free companion ticket every year. You earn Delta Miles. Most importantly, I was told I can earn 10,000 bonus MQM for every $25,000 spend on the card. I specifically asked and I was told there is no limit or conditions. They announced this inside the aircraft to everyone. So I paid the annual fee and got the card. My friend did too.

The services they offer to deal with disputes is totally fake. I filed three complaints with all the required paperwork multiple times through Amex for vendors who were holding onto our money illegitimately. All complaints were returned by Amex through form letters multiple times with the same outcome. Your charge is back on your card! Two of three, my wife and I resolved through persistence with the two of the vendors. The third we are still fighting. It has to do with the Marcella Royal Hotel in Rome that we booked through Agoda, which is a Singaporean travel service. They claim we did not show up to occupy the room, so the payment cannot be returned.

For forty years I have been a customer. I have a Gold card. They sent me a new card to replace a damaged one. It was sent by UPS. It never arrived. When I contacted them they refused to contact UPS to track the card. Now my new card my address and name are in the possession of an unknown entity. When I expressed my displeasure, the supervisor decided to send me a new card in 11 days. (The slowest means) when I expressed my dissatisfaction, she decided to render my present card inactive and I could just wait. They care not that they have exposed me to identity theft or that I have to wait 11 days for a new card. I called back to register a complaint. The new supervisor said they did nothing wrong!!! They do not deserve anyone's business!!!

I had a very bad experience with Amex credit card customer team. I had referred one of my friend, she opened the referral link in front of me and opened the account. It's been more than 5 months since she started using the Amex credit card and I never got the referral bonus. And we both have been making multiple customer calls to know the status of referral bonus for the last 5 months but the response is very very bad. At one time they said that whatever the referral code she used is not the one I have referred.

Worse company ever!!! I’ll make sure every member in my family Close their accounts. After building credibility with Amex for 4 years, they slash my credit limit from $49,000 to $1,000 for no reason. I have 753 credit score and absolutely nothing changed on my credit profile. Always paid my balance in full. I’m extremely disappointed in Amex and I’ll never recommend amex to anyone.

I’m definitely here to warn everyone of this credit card and their added charges, even if you owe nothing and your card has already been canceled and paid in full. They will continue to charge you. For a few days after my credit card was paid in full and my account was closed before the closing date. They charged me $89. I fought them but I failed to get the charge removed even though a month ago the rep I talked to said I wouldn’t owe any fees. I was paid in full and I closed the card before the closing date. They were already charging me an extra $118 a month for a promotional fee added to my already monthly charge. I wish I would have read the reviews before I transferred balances to this card in the beginning. I have learned a lesson. My credit score is good too. They are out for your money. All they can get in my option.

Being a avid traveler for work and pleasure the Amex card provides me with ample opportunities to trace more, earn more miles on things I buy every day and also gives me peace of mind against fraud. The fact that I’m able to gain Delta points on buying groceries and through end of July if I shop at local stores they are giving me 4x the points makes the card great but they are also promoting shopping small.

I send a post dated check to pay my bill through mail. I found out the check was cashed in week early from the date it suppose to clear. I called and ask what happened. I was told it was not their fault and it was my bank's fault. Second reason was my payment was short of $85 some dollar....what the **! I ask to speak to a manager. After a wait of one hour Ms. ** handle my case. She explained that it was the machines....what the ** again! I told Ms. ** that I have been sending postdated check. Pay my bills for years with no problem. How come only Amex. So, Ms. ** ask if I want my money back....AMEX this is my answer to you!

I am a longtime user of American Express and rate it highly for ease of use and customer service. I’ve never had a problem that wasn’t resolved courteously and efficiently whether it be a lost card or a charge I didn’t recognize. I believe Amex to be head and shoulders above the rest. Also very helpful with travel.

The rewards take a lot of miles to get. You have to travel a lot to access them. The free checked bag and early boarding are a plus and the free companion pass are the perks that can be utilized easily. The yearly payment is steep for the occasional traveler.

I can use the card pretty much anywhere and the Customer Service is always very nice and helpful! I don't ever have any problem using the card even when I am close to my limit. They also have Credit protection which they watch the usage of my card and if it is ever used outside of the realm of my physical address -- they notify me as to why it is being used. I appreciate this.

Paid off a $2500 credit card balance. Or so I thought. I short paid by 14 cents. 14 cents! And didn’t even realize it. These people charge me $18 in fees in a 14 cent short pay and reported me as late because I did not realize that I short paid by 14 cents! They are the worst! I paid the $19 after they refused to waive it and removed the card from my wallet. I contacted Discover and asked for a credit limit increase so it won’t affect my debt to income ratio if I closed my account with American Theft (Express) and they increased my limit by $7000. American Express is a bad card company and you really should leave home without it.

I applied for a zero percent with AMEX Blue Card, and it was approved. I received the card and starting using it, Upon the 2nd Month, I received my bill with interest. I immediately called the goons at AMEX and was told that because I had another AMEX card two years prior, they would now charge interest. I immediately cancelled the card, for this what I consider a scam, for when I asked to see the rejection notice via email that I allegedly signed again via the internet, accepting interest, I was told that I would have to subpoena this info. I could not believe that I was being scammed.

I have been with American Express for some time and have always had good service however the one time that I did challenge a charge on my Amex Card it took forever to resolve through their Customer Service. Since then I have have been a leery of charging too much on the Card for fear I may not be reimbursed should a unlawful entry be made.

I had a credit limit of $7500 that was dropped to 1k because of a drop in my credit score (down to 640). I just bought a house! Never a late payment and I’ve never used more than 2k a month. I wanted to cancel immediately. I was charged the annual fee of $95 May 26th, so reasonably I should be reimbursed $79 as of July 14 given I only used a month and a half, but she said the max I could get was $71 because the bill hit in May. How ridiculous. When I called to cancel the card and have my membership fee reimbursed at a prorated rate they said no because it was more than 30 days!! Unbelievable. Punished for purchasing my first home. Thanks for nothing American Express!

I signed up for the American Express card (there are many) - this one was the Blue something or other... and came with a $300 signup bonus. AMEX did not honor their commitment. After much conversation they said that there was no offer. This was on the heals of a June conversation with an AMEX rep that was fully aware of the sign up bonus award. Pretty sickening to deal with this company. Paying off the balance and cutting up the card.

Was going on trip to Ireland and trip was canceled. They would not refund my $8,000. I disputed the charge and lost and Amex sided with the company to keep my $8,000 and not provide the trip. Sounds crazy but that's what has happened. We were going with two other couple and their dispute was won even though the company fought it with the same documents as they used for us. The only difference they used Chase. Will be canceling all Amex cards and going with Chase.

I called Amex a few times today to stop them from processing two identical payment, knowing that the vendor did not process the payment (screenshot to prove this). They have no way of stopping these payment, and they wait for the vendor to withdraw them (or not). As such you have no control over your own account and are at the mercy of the vendor. This is terrible, and I lost all my trust in AmEx today. They don't deserve my business.

No recommend. I submitted a dispute for 4 tickets on the same time. They mailed me a letter indicate that the deadline for the merchant to respond is May 18. The merchant didn’t respond and they refunded me the 4 tickets, however, on May 24 the merchant responded with the confirmation number for three tickets so American Express decided to rebill me back for one ticket. Without any proof after the deadline time. The mess happened by American Express because the first customer service didn’t.

5-27-2020. I have been a member of AMEX since 1990. I love AMEX. My problem is with their Plan It. Originally, I wouldn't use it because of the fees attached. I decided to use it because I had to purchase almost $8,000 in airline seats, and they did not have any fees during this time (May 2020.) Plan It gave me 3 choices, 6, 9, or 12 mo. I chose 12 - $609/mo. I could live with that; I was hoping the airline would reduce their prices and it would be reduced in the long run. So, I see that the flights went down in price 20 days later and we received a little more than $4,000 of a refund to our AMEX. First, the credit does not go directly to the Plan It or to the amount the money came from. I had to call. That bothered me.

If you call twice you will get a different answer. Card is expensive and you get lousy service. I find this is a scam. You don’t really get what the benefits say.. there is always an excuse not to give you what is advertised. Save your money and the headache. Not customer focused at all.

Been a customer for over 20 years. Several years ago they changed the available credit policy to an automated matrix model. It was a poor idea and they explain it by saying if you pay the balance off, you will have more available. Never been late ever and the limit is based on average spending but you can’t Siena more because the limit will not allow. Insane catch 22. Do not get one of their products ever. They used to be a good company but no more.

Beware if you are using an American Express credit card. American Express has changed their policies and will now side with the merchant even if it's a scam. I made a purchase that I thought was legit but it turned out to be a scam. I tried to cancel 30 minutes after I placed the order but they refused so I tried to dispute with American Express and lost. I called American Express and was told they now normally side with the merchant, so, if you think you were scammed and you used an American Express credit card then YOU WERE SCAMMED and lost your money. My American Express account is now closed.

I wish I could give them negative 1,000,000 stars. This is the second worst credit card experience I have had since I canceled my Citi card like 8 years ago which was a nightmare. This company has even worse service than Citi. Here's my story: My dad passed about a year ago and I needed to fly home for a while. On my way back, I was checking out Delta flights and there was a promotion, Amex card, buy x dollar amount before y time and you get a $200 statement credit and 60,000 miles. Was easy to hit the minimum with my flight home and a couple of purchases.

Tried & tried -- online and on hold -- to contact an AMEX Platinum Card representative. Always busy. Always told to try again later. Not a good way to treat Platinum Card Holders. Worth the money? You tell me. Hoping to wait (and wait) once again for the service I already paid for. I hoped that Platinum Card holders might be treated a little better. Guess I was wrong.

Without my knowledge or reasonable clear communication American Express increased by interest rate from the the low twenties to 23.99% or 24.99% which they describe as a "Penalty APR" for not making the minimum payment of under $161.89 on October 11th 2019 when I made a total payment of $1687.05 during October 2019 paying $745.79 on October 15th and $941.26 on October 29th. So for almost 7 months I was not properly notified despite paying over 10 times the minimum balance during October 2019 that my interest rate was significantly increased to their "Penalty APR".

I made a fairly large purchase using my American Express. I never got the item and the company said they received the item back and they were going to credit my account. I don't know what happened but the money was never refunded. I contacted American Express twice and both times they tell me the items were delivered and won't even look at the e-mails I have from the other company stating they got the item back and were supposed to refund the money. So because American Express can't be bothered to read a few e-mails I'm stuck paying over $3,000 for something I never received. I highly recommend you stay away from this company.

Loyal for 26 years. Spend over $500K. Most disappointing service ever. If you are in hardship you need to supply supporting documents. If you need help you will be transferred from team member to another team member. Everyone wants to help but no help received. Your call center overseas has no empathy or understanding. You only listen to customers when paying on time. Another big company just after revenue. Posted letter to complaints team. Never got any respond.

I bought a flight through the Am Ex website and due to the Covid - 19 pandemic needed to return earlier due to everything closing early including our hotel in Colorado. I spent a total of 12 hours trying to change my flight to an earlier one but could never get through to anyone. I would wait on hold 1.5-2hrs then the call would disconnect. I finally booked an earlier flight home on my own. It won’t let you do it online and you can’t do it directly with the airline. Again after a 2.5hr hold upon return I got ahold of someone. They told me they wouldn’t credit my flight because I didn’t call them first. Worst customer service and dishonest. I cannot believe how hard I tried to contact them and the hours wasted for that response.

First. Not everyone takes this card. Many look at you like "how embarrassing". Second. I had 15k in two cards and they CLOSED MY ACCOUNT. This type of forward disabling attitude is why AE is going to go by the waist side. I have NEVER missed a payment, Ever.

I was under the impression American Express honors their customers and fights for them in a dispute. I was wrong! They are refusing my dispute with an Amazon return which I sent in proof that they received I returned an iron for $39.95 and I was not credited on my American Express card because someone believes Amazon did not receive it. I am furious. I spend Thousands each month on my card and they treat me as if I was scamming them.

Worst experience ever. Someone manage to access my account and take $3009 from it. When I contacted customer service in reference to the transactions I was transferred to the account protection department. They opened an investigation then a few days later I received an email stating that the transactions were authorized and my refund was declined. I then contacted Amex again and told them that I was not the one who authorized the transfer or the withdrawal which I found out took place in another state. How could I be in two places at once. They still came back and told me that I authorized the transactions. I am now out of $3009.00. I have had this account for the past seven years and this the worst experience I have had since using it.

I "won" a dispute with a auto mechanic who did a poor job fixing a short in my tail lights. Like they didn't work at all and almost caused a high speed rear end collision on the freeway. The mechanic was upset and didn't accept the dispute out come and "repossessed" my car for payment. Besides the disputed amount, I had to pay an extra $500 for towing charges. AMEX said it was an "unfortunate" event. After 30 years having an AMEX card and thinking there is "consumer protection", I found out that is not the case anymore.

I recently took advantage of a mortgage refinance and when the paperwork by my bank was submitted to the previous lender, I asked my new bank to pay the current balance on my AMEX Platinum account as I was going out of town and wanted it paid down. My new bank made an error and submitted the payment to AMEX along with their standard "close and release collateral" letter to both my previous lender and to AMEX. Obviously=AMEX did as they thought that they were instructed and closed my account with them. A firestorm resulted from my end but once I figured out what had happened I calmed down and searched AMEX Customer service for a way to reinstate my account and all of the accumulated benefits.

I've been a Platinum Cardmember since 2018 and despite the $550 USD annual fee, I was drawn to the perks. Well after 3 years with the card, I must say I am counting the days until I call Amex and inform them that I will be canceling my card. However, it wasn't always like this. My first stellar experience with Amex was when I was stranded in South Africa, and trying to make my way to Uganda for a fintech conference. With zero connections in the country, the Amex concierge service was a Godsend and got me booked with a hotel, and flight to Uganda to the next day. It felt like I was James Bond, on a high-value mission, and Amex's concierge service was my team behind the scenes.

It’s bad enough that AMERICAN Express farms out their customer service to non-English speaking or understanding people, but now the fraud department has non-English speaking/understanding people. Just attempted to report a stolen card number. After 20 minutes the person kept asking if I lost the card then asked why I wanted to close the account. This is what the person got from me saying fraudulent charges were being made with my card number.

Been with AmEx for over 20 years. Do not think they will take care of you when the time comes as the managers only give lip service. "We will take note of your complaint". Right. They do not seem to care about my business needs and when I needed them most, they DID NOT GO OUT OF THEIR WAY TO HELP. Disappointed long time member that never asked for anything but needed help and they dropped the ball. Morale of the story, just shut up and pay your bill.

After serious consideration and examination of offers available, I applied for a Delta Gold Card from AMEX. The offer I registered under promised no annual fee for the first year, a number of miles for spending a certain amount in 3 months, and an account credit for making a Delta purchase within a certain time frame. All pretty standard with this card, and it seems like every offer follows this formula with varying miles/rebate amounts offered.

Signed up for card. CSR clearly stated no upfront fee then was hit with a fee. I normally record calls for this reason but forgot so I got screwed. Ended up keeping the card so it didn't look bad on my credit profile. Now they raised the fee to $250 and threatened to take away rewards I earned as part of paying the $200 up front. Run away!

I applied for an Amex green card. Well, I had the card for some time and didn't use it much then I made some large purchases, carried a balance and paid on time and they cut me off and preset my limit to 2k and now say I am overbalance. Paying it off and cutting it off or just not using it altogether, they change on their customers.

1 star rating for Amex is an overstatement. I have been a client of Amex for more than 15 years with impeccable track record. Amex Bahrain decided to lower the card limits for all Lebanese residents without informing their clients. In the middle of a trip I tried to use my card to discover that my limit was reduced by more than 80%. They didn’t try to inform me of the decision and when I contacted them they didn’t try to fix the problem. This issue happened on the corporate card as well. They stopped it without informing my corporation while many associates were already on business trip. They were left stranded. We had to transfer money to the bank to settle their bills.

The refund processing at American Express is ridiculous. It takes 5-7 calendar days, how? The vendor approved the refund transaction the next day. So American Express basically sits on your money for extra days and releases the funds when they're ready. Nice..

Cancelled my card in April, received a bill in August and have note written on bill "Called 8/5/19, resolved". Received bill in November, have note written on bill "Called 11/21/19, resolved" plus TWO confirmation numbers. Received bill in January (just now) that said "Last Warning". 98 minutes and five people later it is "resolved" again. All three times required multiple transfers. Was frustrated that since I have been told two previous times it had been resolved, I would prefer to talk to a manager and it was not until they had four people listen to the same story and not be able to fix it that I got a manager. At this point, really glad I cancelled my card and just crossing my fingers this time it worked.

The customer service agent I spoke with ended up canceling my original card and shipping a replacement card without my request or authorization. She didn’t even tell me she had canceled the card. I called Amex who admitted to causing the problem, but couldn't do anything to help remedy their mistake. This situation created delays that ended up costing me well over a thousand dollars.

I received an email last year stating I qualified for the Bonvoy American Express and 100,000 points for Marriott. I paid my $450 and did my $5000 in the allotted time and NEVER received points OR anything stating I didn't qualify. I also had an overcharge with a car rental - $75 was charged $224 for insurance. WHY would I purchase insurance when AMEX covers it! They sided with the car rental!! Never again! Save those crazy fees. So many other cards with less fees or free, give much better service.

I called AMEX customer service about ways to get enough Delta MQMs to qualify for Gold Medallion in 2019. The agent suggested that I upgrade my Delta SkyMiles Platinum AMEX card to a Delta SkyMiles Reserve card, which has a more than double annual fee, but he claimed would allow me to get an additional 5000 MQMs for 2019 which would be enough to achieve Gold Medallion status in 2019. So I agreed, and upgraded my card. But so far, I have not received the promised 5000 MQMs. When I called AMEX to check on this a few weeks ago, I was told that what the agent told me was incorrect, and that I would not get the 5000 MQMs. AMEX would refund the extra annual fee that I paid, but otherwise could not do anything to honor what I had been promised. I opened a dispute and was told that they would listen to the recording of the call with the agent, and that I would hear back in 1 to 2 weeks. But I have not heard anything.

Does not honor promotion offers. AMEX ran a promotion last March for 100k Marriott Bonvoy points after $5K spend. I accomplished over $10K spend in the required time frame but afterwards claimed that the sign up was not “tied” to the promotion even though the email was offered as proof. Have called several times to resolve, but they use delay tactics, and close the complaint without communication. Terrible service. Canceling account after 20 years of having an open account.

I have a membership since date of 1980 with American Express. I spent over $300k with Amex in 2019 and 2018. I cannot wait to discard my Platinum card. The customer service of the American Express staff has been rude, apathetic and flippant. The worst employee I dealt with was Andrea (employee **). She clearly hasn’t been trained properly and/or is incompetent. I called to complain about a negative experience and she was not interested in hearing about it. Instead she let me know that “Amex is worth the fee and has terrific benefits.” Her manager Casey ** is also useless. He seems to be dodging my calls and has no desire to resolve this or retain me as a client. I would recommend steering clear of American Express, unless you prefer awful customer service. They are an embarrassment.

American Express cancelled my card for stopping payment when I accidentally made a payment for too much. My credit score is 750 and I have been making my payments on time. I have been with Amex for 21 years. The unbelievable thing is they revoked my 70,000 points I had. I hate this company with a passion and will do so for the rest of my life. Any credit card is better than this company. ** you Amex.

Denied with a score of 680, 700, 714 with a 90% approval through Experian. If I did not see it on Credit Karma also I wouldn’t have applied. After getting denied went to Capital One and got approved for a $5000 credit limit. Good luck.

10,000 limit original limit. Oct to Nov increased expenditure by $400 which increased utilization report to Experian. This of course Decreased FICO and Credit Score. After paying $850 this past month to decrease expenditure. AMEX informs me that based on new FICO score and Credit from last month, they decreased limit to 8700. Which ultimately washed away any progress and will ultimately increased my utilization amount again so my FICO and Credit score will drop again. I do want to say I have also never been late on one payment.

I have 2 platinum cards through American Express. Out of the 12 credit cards I own, I hate using them the most. American Express constantly locks me out of my account so I can’t make a payment and have to call and be on the phone for nearly an hour during my lunch break to get my account unlocked again. Then, even though I’ve jumped through hoops to make every payment on time and have one card paid off, they send me an email that they’ve lowered the credit limit on my other card by almost half!

Phoned twice regarding a late payment and both conversations were unprofessional and badgering. I asked for one of customer service staff's name and he started commenting about my company. What for? The call did not feel safe.

I have carried AMEX cards for more than 40 years. Good customer service now is in the past. Did you know that the AMEX reward cards can't be fully used at hotels? I didn't know until I tried to pay a hotel bill with three $200 cards. Rejected at a Marriott. Turns out, it was not Marriott's fault. After 40 minutes on the phone with AMEX customer service, including a supervisor named Honey, I was told that only $160 of each $200 card could be used. The rest of the card's value could not be used for 45 days!! Outrageous! Seems the cards they tout as being "good as cash" are really not so good after all. The exchange rate (reward points for dollars on a card) is lousy as well. Very disappointed in AMEX and customer service. Seems fraudulent to me. I will be giving up the Platinum card in favor of a competitor's card that still provides customer service.

Had Amex for over 15 years and use to like there 1st rate service. NO More, they have shifted the ops to rude, poor English speakers in India. Horrid service. Also would not post my acct as having fraudulent charges that I caught on my own until the charges had gone from pending to posted, Say what? Hey, Amex I tell you that fraud has occurred and you ignore it? Wow, I mean just... WOW! Another once great US company bites the dust.

I have been a member of Amex since 1993. I recently filed a dispute where Alamo Car Rental falsely charged an additional $269. After a few weeks of review, they sided with Alamo without accepting my proof of the fraudulent charge. They were rude, argumentative and quite incompetent. I asked for a manager and she wasn’t much better. I asked for the manager’s manager and was told no one else could assist me. I have only filed about 5 disputes in the last 26 years and spend about 125k per year on their card. More and more retailers are not accepting Amex due to their high cost so it doesn’t really make sense to stay with a credit card company I don’t trust, not accepted everywhere and especially with such a high annual fee. I will finally be moving on to a more reputable financial institution.

Everytime I call American Express Platinum - I get patched to the Philippines. So, why don't they just call it Philippines Express. I have no problem with the Philippines - or Filipinos. However, I do have a hearing deficit. And...I have 4 American Express cards for BUSINESS and (1) Personal account with American Not the Philippines Express. Now the latest blue card, I was told that I approved the card - by phone. Again, I have a hearing deficit.

I received Cash Magnet Card, did a purchase of over $1000 within 1st month and was waiting for my $150 back which was mentioned as "Welcome Offer' but it never came through. When I inquired customer care they mentioned 'I am not eligible for this offer'. So that's a fake offer which they post on website.

A Merchant charged back to AMEX the amount of $8,472.48 in December 2017. I have sent numerous detailed letters to AMEX requesting credit for this amount. AMEX confirmed a chargeback was made but refuses to provide me the funds even suggesting that I contact the Merchant, which I did. The merchant confirmed that AMEX is responsible to provide me the funds not them since they charged back that amount to AMEX. I have requested AMEX to contact me by phone, so this issue could be rectified, but that hasn't happened either. The Dispute/Inquiry Department does not publish a phone number; the only way to communicate with them is through the mail.

American express is a very malicious lender. Need to be very careful dealing with them. There are a major wolf pack member. IF you want to deal with them, DO NOT get more than one credit card from them at the lowest credit possible. They do practice regularly and if you have higher credit with them they take it away. By that they higher your utilized credit and kill your credit score and they can bring your credit limit from 40k to 1K in a sec. This practice is worldwide. I saw reviews from UK, Canada, USA. They like to use the word WE ARE RESPONSIBLE LENDER while really they should use the word Vicious Malicious Lender, to offset their line DO NOT LIVE LIFE NOWHERE NEAR IT. Do not be fooled with some of the nice reviews. These are people they put them up to it. Stick with regular credit card from decent banks, if you value your credit..trust me, they will crucify your credit.

I have loved AMEX Cards until now. It's not that the cards are really bad, but the customer service you get from them is utterly disappointing. I received a letter in August 2019 to upgrade to a Platinum card. I called customer service and the lady convinced me to go for it and I gave her the RSVP code and POID code that was on the welcome letter. The offer letter clearly stated that I am invited to request an upgrade and that the welcome offer is 60,000 Membership rewards after $5,000 in purchases for the first three months. I got my new card and I spent over $2,000 in the first 5 days and I got 25,000 reward points. I was confused as to why I received this and called customer service. The lady told me that this was another promotion on my card. I asked her twice to check if I am still getting the 60,000 points after $5,000 in purchases, she assured me I was getting it.

Stay away from this card! I've been a customer since 2010 and can honestly say this card is a total rip off. Read all of the fine print first to find all of the ways they will screw you over! Their customer service consists mostly of the rudest people at the out of country call centers. They want outrageous "membership fees" for their rip off credit cards. Pray you never have unexpected financial problems because their heartless customer service will only be rude and snarky about it.

Stay away from America Express!! I have been a loyal 20 year business customer with over 4 million in purchases. They have treated me absolutely horrible! Moved my business to a Discover card and they have been amazing helping me grow my business again. Go Discover card.

Be careful of this company. They will just cancel your account with no notice and when you call them about it they will just tell you that you haven't been using the card and you are eligible for reinstatement but they will do a hard pull on your account. Yes, a hard pull to reactivate a card YOU ALREADY HAD FOR YEARS!!!! No warning, just cancel, affect your credit history and card utilization and if you want it reinstated you have to have a hard pull. UNREAL!

I usually never late w/ a payment but last month my Amex payment slipped my mind and when I realized it was overdue I immediately paid it online. I am a senior and I forget sometimes. Amex charged me a late fee, interest on the balance, raised my APR to 29% and I forfeited my reward points. I kid you not! This is excessive and I let them know I would not be using their card anymore. This is the first time and I was flabbergasted! I pay my balance every month. I also forgot Bank of America and I called them and they took off the late charge - no problem. I neither need or want a card that is that punitive. I'll take my business somewhere else that is more customer friendly than Amex. They can keep their card. I got plenty others.

I applied for an AMEX card to specifically transfer the balances from two of my other cards while I am in the middle of a building project. It does not indicate in the mailing or fine print that the balance transfer is a $5000 limit, which is totally useless to me. I have never had a credit card with a $20,000 limit that was so restrictive. When I called customer service, I was informed that all AMEX cards have a $5000 balance transfer limit. I informed the customer service representative that I would not have applied for the card had I known that information and that it is false advertisement because it is not specifically stated anywhere in the application. When I told them I will cancel my card if that is not increased, I was told she could only register a complaint. Deceptive advertising and poor customer service. I live in a rural area and a lot of businesses do not accept AMEX, so not much buying power for me.

A very large overpayment was made from my bank account to my Amex Platinum card account. I have lost count now of how many different Customer Service reps I have spoken with. First they denied it had been transfer despite the large credit shown on-line. Then they said it would take a number of days to process once they acknowledged it was received. I am a 26 year customer, which doesn't seem to matter. I was finally told a wire transfer would be made and could take 3-5 days. Thats a long time for a wire transfer.

Last week, in order to continue to build up my credit since I only have one other credit card and a loan, I decided to apply for the Everyday Card...etc. etc. Whatever. Called three days later because I received the email that they needed to validate some information. I called and they needed to verify my address. Mind you, this is after I validated all of my personal information and was told it was correct. I tell the rep my address in order to receive the card word by exact word. I even spelled out the information. I log in today to look at the FICO report out of curiosity and I notice the address was incorrectly filled out.

I have been an American Express Cardholder since 1984. My card was recently hacked and I learned about it in an email right before the charge went through. I notified amex and thought this site would be blocked from charging to my card. They didn't and the charge went through and amex told me they could only open an investigation. They said that my card would be shut down and a new card overnighted to me. The new card was not overnighted and when I called again they said there was nothing they could do but listen to the recording of the call. Now, I do not have my card and I am a loyal AMEX card member and make most of our purchases on the card. Customer service is a big issue and we are contemplating taking our business elsewhere.

Horrible customer service---a deceitful company with which takes every opportunity to deny you the benefits that you legitimately earned. Think twice before applying for any Amex cards or might deeply regret it...

I have been a Gold AMEX member for more than 20 years and just in the last year have had numerous horrible issues with the AMEX dispute department. After I returned two furniture items because they were damaged and provided AMEX with return receipts of both, AMEX kept recharging my card in excess of $3,000.00!!!! That despite me reaching out to the merchant and AMEX customer service numerous times. In the end, AMEX customer service was completely useless and did not even allow me to submit my receipt of having purchased the furniture items from a different store and charged my card again.

My husband and I were victims of senior fraud. Upon realizing that we had been taken advantage of. I contacted our police department and filed a police report as well as contacting AE. We were told by one of their representative who appeared to be sympathetic and that they could assist us in with this problem. We submitted all of our documentation to AE. After weeks and months of going back and forth with them, nothing on their part was helpful to us. The did not take in consideration that we have been a customer for 30 years, paid our bills on time and most of all seniors who are 86 & 73 years of age. It appears that being a loyal customer means absolutely nothing to this company and to consumers such as my self and possibly others. I am deeply troubled by this.

It is so true what some of the customers mentioned American Express staff do not care about their customers or trying to help their customers. My mission was restore my credit and pay off my AC as soon as possible and that was accomplished. Then, I get another fee which was an annual fee that I was unaware of. Now the two representatives that I spoke with this evening showed no interest in trying to help, unpleasant and nor were they forthcoming. I was highly upset to the point I also cancelled my card and well aware it is going to be affect my credit score. This will be temporary before I am able to bounce back with a decrease in my credit score. I truly despise American Express. Never again for I.

They cancelled my 9 year old card without my permission or fair warning causing me to lose 5 points on my credit score! Grrr!! Why did I not use it??? For a couple of months? Because no one takes the card!! Their customer service is based in India!! They cannot even understand English..nor can they help you in any way possible. Americans get things done! Indians?? Not. They were not helpful at all!! Do not apply to a card rejected by everyone. Even they don't use their own card! They do not appreciate their clients nor long time loyalty. No rewards! Horrible Indian customer reps.

In June of this year I saw an AMEX kiosk at MSP airport. A representative of the AMEX Delta card asked me if I would like to apply. I told him that I had once had a gold card a few years ago, so he encouraged me to apply for the platinum card. I stated that I didn’t know if I would qualify for the promotion. He said he would check. He punched my info into the computer and it came back “approved”. We both saw it. A week or so later I received my Delta platinum card and welcome packet which explained the 75000 miles, $100 statement credit, medallion award, etc. I quickly met the spending requirements for the reward bonus, but my statements did not reflect any bonus. June, July, August, and now September, but no bonus.

unfortunately..I guess times have changed and Senior Citizens' business is not the market A/E is after ...I have carried an A/E card for 34 yrs and just an estimate I would venture the cost in yearly membership ..for 34 yrs would be around $12,000.

American Express is a huge company that is far from customer-centric and plays the numbers game of being commodity that is just like everyone else. I've been with them since 1986. They started going down hill in the mid 1990s. Since then I've cancelled my cards and came back a couple of times. The next time I cancel, I will not be coming back.

I called to transfer my credit as cash and they said it is not possible with my AmEx card and motivated me to apply for another card with 15 month 0% APR. He talked 10 minutes to convince me with that offer and finally after 30 minutes of talk and getting info, said, "Congratulation!! Your application has been approved" and so on. The next day I called and and ask about the benefit, the new representer said I should wait my card to be delivered. Then after 3 days I received my card with NO BENEFITS!!! Literally nothing!

I had apply for this card 5 months ago when they were offering welcome bonus of 150$ if I spent 1000 in 3 months. I have given more than 5000$ business and I called them to find out about my welcome bonus. They made excuses like 1. "It's your credit report history." I have 710 score. 2. Reason they say was when I applied for the card there was a pop up which told me I decided to receive the welcome bonus. Worst service. I expected more from American Express.

I agree with a lot of the negative reviews because they are true and accurate about dealing with American Express. My recent bad experience with this company happened last week. To make a long story short after checking out of the Ritz Carlton because of terrible service I went to the Four Seasons Hotel to check in, and my Starwood Preferred Card (Marriott Bonvoy) was declined twice so, I called Amex. The agent told me I only have $79.00 available. I was horrified and shocked!

American Express no longer backs their customers on disputes. I recently bought tickets to a baseball game from Viagogo. I received tickets unknowingly for the wrong date. Drove over 4 hours to find out they sent me tickets for the wrong date which I couldn't use. Obviously it was Viagogo that made the error. I disputed it with both Viagogo and American Express and neither Company admitted to the mistake. I am therefore out $111.33 for the tickets plus travel expenses! Don't expect American Express to help with disputes! RS

Rented a car in Iceland this spring and decided to pay with my Platinum Card because I remembered that the card includes auto rental coverage when paying with this card. We had a little fender bender which resulted in a claim. Amex paid only for the damages, and not for another $680 in administrative fees and loss of use fees. Amex will tell you that these fees may be covered if supported by documentation, but when the rental car company shows you their small print that says that they are not obligated to provide documentation to support these charges then you will find yourself in a loophole. And that’s how you get stuck with charges that you thought would be covered. Amex should be more truthful in selling this as a limited policy. Very disappointed in this classic case of insurance trickery!

Applied for a received the AMEX Platinum Card as I was drawn to the low-interest rate and concert perks. Within two months they raised my limit substantially. It wasn't until I made a large purchase a few months later that I realized they arbitrarily lowered the limit without informing me at all. Ridiculous. As a side-note the customer service seems neutered and uninspired no matter what you call about, it's almost like everything is scripted. If you want to be embarrassed or stranded at a checkout - choose this card and company.

I have been a customer with AMEX since 2013 and never had a problem before, recently they reduce my limit because I used the platinum with 30k, which I have been doing this for many years.. I have a very good credit rating, never miss a payment ever. I have over 150k in revolving credit and many many mortgage on my credit. I paid off the balance as normally and they still asking me for Documents that prove my income... Very disappointment with this company. Never happened to me with any other company. Stay away!!!!

We are a small business that uses American Express as our only business credit card. I recently learned that there is a security issue within American Express resulting in the inability to download transactions into our bookkeeping software, as we have been doing for years. And, I was appalled to hear that this issue will take American Express 4 to 8 weeks to correct! This is completely unacceptable, especially for a company like AMEX. What is the story??

I have had a horrible experience with American Express regarding my Delta skymiles account. After six phone calls, and online chats with customer service I have received SIX different answers to my problem...none of which were helpful. I understand if there are rules...BUT the customer service team should have consistant rules and NOT different rules from each representative. I am completely unable to resolve my issues because no one seems to know the correct rules pertaining to my skymiles account. I was told to contact Delta, which I did, and Delta said that they had nothing to do with it, only American Express could help. Well, apparently not. It is a nightmare.

Can't use points. Promised no black out days but in reality I tried more than few times and it's either not available or any other excuse. Been Amex customer for 20 years. Enough... Closed the card. They are not refunding any annual fee thought it's few months after the new year started and no prorated refund - NOTHING. Horrible experience. Thieves....

I have been an American Express card holder for over 20 years and I just closed my platinum card! I have been dealing with a $2,300 dispute with Max Mara for a handbag that was purchased in Ferrara Italy in October 2018. The bag started falling apart in December 2018 and I called American Express to assist with the product. I was told that it was over 60 days and they were unable to dispute the handbag. I went back and forth with Max Mara via email in Italy and telephone and email with the US. The bottom line is I was given misinformation throughout the entire process from American Express and I am stuck with a defective $2,300 Max Mara Euro trash handbag. HORRIBLE CUSTOMER SERVICE AND LACK OF CORRECT INFORMATION. BYE BYE AMEX!

I have been an Amex cardholder since 1977, and spent large amounts on this card. The service has become awful. They really do not care about the customer. I have given up on them and canceled the card.

A member for 42 years with payment always on time, we recently made an error with an underpayment. They start adding interest and it hard to identify and then hard to get rid of. It is, to my mind, stealing -- and the interest rate is very high.

I've been an AmEx Customer for 25 years. My debt to income ratio is negligible, I've got a great payment history. I make a good 6 figure income and have a credit score in the upper 700's. Yet they charge me 17.49% interest on purchases. Elizabeth Warren is right. These credit card companies are a cancerous blight on the American consumer. They can't/won't justify their usurious interest rates, and basically collude with one another to make it a take it or leave it situation. They need to be better regulated, and their collusive, monopolistic business models stopped.

AMEX Platinum linked my card to my ex husband account. Where he is primary holder and they are not allowing me to use points. I have been divorced for 10 yrs. Now my ex have access to all of my information. My privacy has been violated.

Been with Amex for years and years - more than 12 - platinum card holder got 5+ and just added my wife under my account. Didn’t have my card on me but did in my phone for Centurion Lounge access in SFO and they wouldn’t have me, worse they were rude and didn’t have the systems to even assist. Will have to run 250k+ per year through another card I guess - extremely disappointing.

Someone made a fraudulent charge to my Citibank Card. I found out that American Express authorized this "balance transfer" to my Citibank! Before a transfer is made, American Express is supposed to make sure the names match but they didn't and they still "cleared" the money to be transferred to my card. I've called many, many times to try to get this resolved. I only get transferred to different departments. Absolutely no help. Most of the times I was transferred, I was hung up on. I'm paying someone else's balance! I was told that the transfer didn't exist because there was no record of it on my AE card. Exactly! Because it's someone else's balance!!! I hate to give even 1 star to this company! I cannot describe to you how awful this situation is... And they won't help me.

Just spent 35 minutes on hold AFTER giving them all my info. Finally hung up. Really American Express? That’s wayyy too long to wait. I have a life, lots of other things to do, get some more employees, PLEASE????

Updated on 04/29/2021: I wrote a review before about my experience with American Express regarding their handling of my business card account. Well, it seems as though the depths of their arrogance and determination to cause financial harm knows no bounds. I moved out of California a year ago and am currently living in another state. This is important to note because I was informed this week that there had been a judgement entered against me in a California court, Glendale to be exact, and that there was nothing I could do to fight it.

22 of the last 23 reviews on this site = 1 star. I concur. I'm LIVID! Made huge 5 figure payment based on promises... they now refuse to honor. Frightening to think about what operating under the business model with no compassion or integrity is doing to their employees.

I’ve been a card member since 1988 for the teen card and I’m also a platinum card holder. I use my card every month for business expenses so the charges are significant. I don’t use the pay over time, it is paid monthly. In April I was 2 days late and AmEx sent me a letter stating due to my lateness the penalty APR for pay over time would increase to 25%. Irritated I immediately stopped using it and have a work Visa card I use. Now a month later, after AmEx realized I stopped using the card they sent me a letter stating after review of my account they wouldn’t be raising my APR and sorry for the confusion. Ha ha. Lost a customer, love it. You know why Amex ...I have excellent credit and have choices and now I’m not choosing you????

I had my account with American Express for over 6 years. Used them often. Last month I had a problem with Amazon orders being charged to my account. I called them and they said don't worry about it. They would take care of it. THEY DID NOTHING. They always talked how they would back you up but that's a lie. Closed my account today.

American Express is a fine company if you have no issues. But once anything becomes remotely complicated, they have gamed their system so that it is virtually impossible to get issues resolved. I have been an Amex member for well over 20 years and now have a disagreement about our balance. I am completely unable to get past their customer service representatives for a more detailed understanding of our account. An investigation was initiated at my request, and this proved utterly useless. Try to find an accountable person, a department who deals with large billing questions or any responsible party? Forget it. So disappointing. We rely on credit card companies probably too much. But some are more attuned to their customers than others (Barclays, for example). American Express has fallen in my estimation to the bottom. I'll quit them as soon as this issue is, somehow, finally put to rest.

LET ME MAKE CRYSTAL CLEAR WHAT TYPE OF GARBAGE COMPANY AMERICAN EXPRESS IS. I had been with AMEX for 16 years, and I’m a Doctor with student loans. I have had the platinum card in the past and found the benefits to be USELESS. I recently applied for the Cash Magnet card and was denied because of my student loans. They didn’t care that I had been with AMEX for 16 years with perfect payment history. I canceled my other cards with them and literally will never reapply for another AMEX card. They are money-hungry garbage and that’s why they have a Centurion Card for the filthy rich.

I have a gambling addiction and I am in recovery. Last year, I was in the process of maxing out all of my credit cards to gamble online. I was maxed out with American Express with only gambling charges. I was probably about 80% full on all of my credit cards and American Express decided to increase my limit to $3000. They didn't base their decision on any other reason other than they wanted to see me go in great debt and wanted to take advantage of my debt state with high interest charges. They are the most unethical credit card company out there and should be investigated by Federal agencies.

After waiting a year to receive my cash back which was showing in my account as £100, told I was not eligible. The customer service representative referred me to my statement advising £3k needed to be spent. After looking at statement, I could not find this information present. Customer service agent back tracked and said, "Is clearly on our website. Struggled to find out where?" I feel I have been cheated by AA and the terms of cash back should be made very clear at point of opening the card.

I have a problem with my card. I am overseas with the Military and American Express won't help me until I can call them from a US phone. That could be 3 years from now. Obviously not a company for Military or DoD employees!

Recently I could not find my card and the lady Ms Elizabeth was so calm and nice to me. She sent me a new card via Fed Ex and I received it the next morning. Then she called me to make sure I received it and to activate it. Her voice was so pleasant (not intimidating) and I really needed that. Next, I had to go away and I must have made 4 reservations and forgot to cancel one. So I spoke with Ms CJ who also remained calm and pleasant throughout my ranting and anxiety. She took her time and made sure I kept the bookings I needed and cancelled the other. She also was a joy to speak with. You guys should know just how special your business staff are in handling "WILD -- OLDER -- TYPE TRIPLE A" - clients. I am going away with confidence and joy. Thank You.

The waiting time to reach them by phone is terrible long. They transfer you here and there and you can't get answers to your questions. They don't have an email address and this is a big red flag to any customer. They just don't want to be bothered. Too many complaints and phone calls they're not able to handle. I'm extremely disappointed.

I have been with American Express for 22 years. Currently I have a solid government job that's over 200k a year, am a 12 year army veteran and have a credit score of 810. Because I am purchasing a townhouse after living in a small condo for 10 years, I wanted a card with cash back benefits as well as a low introductory APR. Given my previous history with American Express, I applied for a Preferred Card. I could not get any information regarding the credit limit for the new card until after the application was approved.

I have been an American Express card holder for 30 years. My usage on the card is minimal. So, American Express decided to cut my credit line in half. This has caused my credit score to drop. American Express didn't even notify me of this policy change. This is a poor way to run a business.

I have been an American Express Gold Cardholder for over 8 years. I have held a solid history of paying it in full every month. Last month I was late by 6 days after adding up a larger balance than the norm. I received an e-mail after day 6 stating that I should contact American Express so that my card service wouldn’t be interrupted. I called American Express and they wanted not only that payment, but my next month’s balance (due in 4 weeks) in full that day ($9k Total!). I made a promise confirmation for my current balance of $4.8k for the next day. I paid the balance the next day.

In regards to the American Express Platinum Charge Card all I can say is from my personal experience, what a horrible, horrible company Amex is. For the last 2 months I’ve been dealing with 2 very ill family members and during this time I forgot about the $200 travel credit on my Amex Platinum card. Unfortunately, this travel credit, which I ultimately paid for as per the annual card fee, American Express, as per its policy*, claims I have forfeited and has effectively stolen this from me. *If you don’t use this credit within 1 year American Express will effectively steal it back from you.

My husband used this card for 6-8 years for his business and after Hurricane Irma he got behind on payments. American Express cancelled his card and put it under some other department so when I started paying the bills nobody could talk to me NOR could they add me as a point of contact even with his permission because the card was cancelled. But every time I called they were willing to take my payment. Our bill was over $50,000 and because we got behind on payments they charged us 29.99% interest -- yep, almost 30% on top of the money we were paying. We had to refinance our mortgage and take out some other loans to finally get this albatross off our backs. NEVER EVER EVER AGAIN will we use or recommend American Express. It is a horrible company with more horrible customer service.

I have 5 Amex cards for a number of businesses that I own and 1 personal card. I have never missed a payment on anything in well over a decade. I have been working with Amex because they have a good points system however for the 2nd time in 6 months my accounts are suspended until I submit a bunch of financial information. The last time this happened I had prepaid the $30,000 so they would stop shutting my card off. Instead they suspended my account anyway and held my $30,000 for 2 months while they did a "financial review".

I have been an Amex cardholder for 20 years and our small business recently had a dry spell so I fell behind on 2 Amex cards. I have called to tell them I am making payments as I can but all will be paid in full and caught up within 60 days. They said that is not good enough but I can talk to the hardship department. I did just that to try to work out a payment plan and they said if I can come up with $3000 today, they can enroll me in the hardship plan. If I had $3000 I would make a payment and get caught up!

I have received invitations from American Express for their platinum card for both my business and personal spending for many years without ever applying - completely normal. Recently I went to their website to check eligibility, spending limits, rewards point sign up bonus etc. While navigating their website it asks for personal information to check eligibility. The following screen has additional navigation tools to request more information - clicking on this actually submits your application, opens an account and lets you know you will receive a card within the week.

I was approved a American Express card in Dec with a credit score of. 755. So I apply for a credit increase since I was only approved 1000 dollars. And I was declined because they said I have filed for bankruptcy when I haven't so I contacted credit company and have a copy of my credit report and no bankruptcy on my reports. I don't know where that came from and got a letter saying after a careful review I'm still declined a increase so I call Discovery and they gave me a 12000 dollar increase on my card with them so Amer Ex can stay at 1000 in my wallet for good.

Been a member for, well most of my life. I am reaching senior years. 800+ credit. Never late. Reliable. Was loyal. It seems like sending me an punishment letter stating that due to my low spend activity they are lowering my credit limit and cash advance limit. Maybe by punishing seniors and demeaning us we will tell everyone we know how great they are? I've seen this before with other once great companies. All gone now. Punishing us for loving you. Hope it all works out with this great new customer service approach.

AMEX laid a big egg on me. I relocated from Atlanta to Jacksonville for my job. I take a couple weeks off to close on a house and move in then I have to work a couple weeks before my first paycheck in JAX. I was planning to use my AMEX card to pay gas, groceries and small bills until that first check on April 12th. You know? The kind of reasons people keep credit cards to begin with!!! However, as soon as I start using AMEX they cut my limit. Now I’m stranded and had no choice but to open another line of credit. Not to mention AMEX actions are uncalled for and hurt my credit score. If this line of credit remains loyal to me then I will no longer need AMEX. I will close my account when it’s paid and I will never do business with a credit card company as unreliable as AMEX ever again!

When I called Customer Service I was told they had other option for me to get a extension on my account so I won't lose my house by 1 April 2019. The customer service agent told me to call Monday. When I did he never documented anything we said to me the night before. So this is not acceptable. I personally think the customer service team needs to be retrained. I work for a company that sponsor AX and I am not pleased by the way I was treated by the agent today from 2 that were very rude and did not care about anything. I will NEVER refer anyone to AX. They have lost my confidence in this company.

I was a several decade long loyal fan, and customer of AmEx Platinum. I particularly enjoyed the travel benefits, for which I had not qualm forking over the extra $450/year. One could easily see that I paid my bill on time, and often in advance if traveling. Imagine my disappointment in American Express when an unscrupulous merchant sold me an item whose warranty was automatically void. The product arrived, poorly packaged, damaged, and bent. I took photos, called American Express. AmEx advised me “Don’t you worry about a thing Ms... This isn’t right, and we are going to take care of you. Thank you for being such a long time valued customer.”

I canceled my Business account with AMEX as AMEX increased their annual membership fee. Soon after that, AMEX reduced my personal credit line. As a result, my credit score dropped. Stay away from AMEX. My other cards increased my credit line. Go figure.

Did you know you only have 30 days to dispute fees? Nowhere on the statement do they tell you that. But that doesn't matter - according to the uppity representative who I spoke to, "You should have memorized your card agreement, because this appears on page 5!!!" No joy in getting any portion of these fees either, and only 35 days late. Think I will be looking at Chase Sapphire cards.

I have been with them for over 10 years and it has been a terrific experience. I wanted to add another card with a low interest rate and no yearly fee and this fit me 6 years after my divorce and I was rebuilding my credit. I also enjoyed the points as it has helped me buy a Weber grill and building supplies for our house through Home Depot gift cards. My wife lost her wallet a couple years ago and because the members have separate numbers they did not have to cancel my card and the new card arrived in about 3 days! Also last year twice I had a weird $1 charge on Google Play and I am on an iPhone so they reversed the charges. I am an AmEx member for life.

Took Amax up on a zero % interest cc, no transfer fee to pay off another credit card. They charged my new card to pay a JC Penney account - which I have no account with, no debt to them. They told me it would take 6 weeks to resolve and I am responsible to pay them payments to pay off $4500.00 which they paid "willy nilly" to the wrong place. Appalling. Where R consumer protection actions? They threatened sending me to collections when I complained about paying a debt that isn't mine. Charge my account and send the $$$ to where ever. I'm still in awe of the extent of their incompetence and arrogance

Shame on you AMEX. My father died one month ago, we closed his AMEX card as we should, you guys shut down his autopay therefore we didn't pay the bill immediately, had to wait for the bill to arrive. You had the nerve to send his account to a collection agency and my mother gets a nasty letter in the mail, she's in mourning. Hasn't been responsible for bill paying in their household ever and this is one of her first experiences. Is that really the way you should treat a 50+ year member? Reassess the handling of this situation in the future. You've lost me as a customer. I'm closing my account with you, I'm disgusted by your actions.

I have been a member since 2007, I am really very disappointed with the service and what was said to me. I booked a flight through American Express website and had to cancel the flight. When I spoke to a representative I was told there would be a cancellation fee of $200.00, which I was okay with it since I had insurance but when I checked my email later I noticed there was no money refunded and I called and spoke the representative.

I applied this card last summer and they never sent out the card and 3 months later, they called asking me for the membership fee payments. I called them at least 8 times to solve the issue, every time the answer "we opened the investigations" and will get back to me, but they kept called me asking for the money, over the card I've never received nor did they sent out. I have 3 other cards with AMEX and I am not planning to use any of them anymore. The services I experienced with Visa/Chase was 10 times better than AMEX. Take your business elsewhere people, not AMEX.

I thought it was just me and then I read of the bad reviews on this site. After using a platinum card in Canada with no issues for 10 years, spending $200-$300k per year, I moved to the US. Boy, what a change. Very rude, demanding. There was some paperwork issue after a couple of months and the card was 'frozen', my wife left trying to pay for something and the card would not work. No phone call, zero. I called to try and figure it out and a very rude Amex representative told me the account was frozen because additional information was required. Shockingly bad service. I guess there are so many people spending lots of money with Amex in the US they just don't care. I closed the account and we have moved our business elsewhere.

I started my relationship with American Express with their Blue Cash Everyday card roughly a year and a half ago. Never been late with them, used the card occasionally, PIF within a month or two. Fast forward to Jan 2019, they sent me a notice that I was approved for an upgrade to the Blue Cash Preferred card. I accepted. Activated the new card once it came in the mail. Everything went great until yesterday when I got an email stating that my CL was dropped to 1300 from 2000! I called C/S and the rep said they did an "annual" review where they pulled my credit file and saw that I had a couple of other cards with a balance. Since they didn't "like" that, they dropped my limit. Did the appeal with the rep and I either have to pay 600.00 of my balance down or send them documents proving my income and assets.

I am an Amex customer since 2014. However, I have been experiencing bad customer service since November. I will summarize the facts. Throughout the last year, I was asked to upgrade my Amex card. After I rejected twice, I accepted this offer at the third time of promotion from the customer service in November 2018. (This background is important because I want to emphasize that I have NEVER asked for the upgrade.)

I used the American Express card for more than a year. It was shocking to me that they will charge you extra money each month. You cannot simply trust these folks. You need to keep an eye on the statement each month. I would advise not to use this card.

I made a payment for my Jan. bill for my AMEX account early, on Dec. 28, assuming since I already made my payment for my Dec. bill, this Dec. 28 payment would go toward my Jan. bill. At the end of Jan., I discovered I was charged a late fee and my credit score immediately went down. When I called AMEX, they said the 28th of the month was the last day of my billing cycle for that month, so they applied the second payment made on Dec. 28 to my Dec. bill and not Jan. Therefore, my Jan. bill was considered "late-unpaid."

I have banked with AMEX for over 20 years and I have not missed a payment on my cards and I have an exceptional payment history. This company now has disrespected my service of 20 years over a simple $2700 payment when I generally pay over $200k per year through these accounts without issue. A direct debit overlapped with a mortgage payment and was apparently the cause of the AMEX payment being declined. I was not informed of this at all apart from some strange person asking for my ID over the phone and refusing to tell me what was wrong. My credit history accounted for nothing (near perfect). Needless to say they could have emailed or mailed me about this.

Signed up and agreed to pay the ludicrous annual fee because they offered 100k points. They ended up denying me the points for some total BS reason, but I still had to pay the fee. Plus, the benefits are not very good. "Free" stuff you don't need isn't such a great deal when you're paying through the nose for it. Stay far away!

Had 2 American Express cards. One gold and one blue. Used them until I did bankruptcy but paid them in FULL and closed them to be safe. That was in 2013, tried to get a American Express delta gold and thought for sure I would get it. But Surprise! "The reason was Your accounts were closed." Um ok what does that mean? I called and they could not even explain or give a reason. I guess it was a blessing because it looks like they have done downhill over the years fast. Oh well their loss. Don't recommend.

I accidentally overpaid A.E. by $10,000.00. You know the extra zero for my $1,000.00 payment. So I called them when it left my bank and told them of the overpayment, they said someone would call me when they received their funds to initiate a refund. No one called, so by the second day I called and asked for a refund. They said, "Okay we will mail you a check in 7 business days." I said that was not satisfactory and HAD TO ASK for a Supervisor and asked for wire to my bank. I supplied the account and routing number and was given a confirmation number.

I was recently victim of fraud on my Amex plat card. Now for a company that presents themselves as a titan in customer service this should be no problem. As it turns out that's not the case. After disputing the charges Amex collected proof from the fraudulent company showing delivery of the products. Amex immediately re-applied the charges to my account. But no product was delivered! And the evidence they used to re-apply the charges was clear that this was a case of fraud. 10 packages to two diff addresses with only one tracking number! UPS stated that that is impossible! I then brought this to the attention of Amex and they still argued that the product was delivered. Even after UPS stated it was never shipped! I have since canceled my accounts with Amex and will never do business with them again.

I've been an American Express Gold Card member for almost 10 years now (and one of those lovely customers who rarely calls in for anything but makes all payments on time and pays an annual fee just for the heck of it). I used to think AMEX had the best customer service but now I think they have the worst, and here is why.

I have had an American Express card (Platinum, Gold) for 20 years and have generally been quite happy with their services, customer support, and rewards program. However, in the past several months American Express has become a totally different company - and for the worse. It is obvious that they have outsourced their customer service because it is now horrible. I NEVER get a person that speaks fluent English and they have implemented bizarre rules that I simply do not understand. I got a call from American Express and I spoke with a foreigner who commenced to tell me that my account was being reviewed for taking cash from my AMEX. I had no idea what he was talking about and tried to explain to him that I had never taken cash from the card and wouldn't know how if I wanted to do so.

Took the tram 20 minutes to grab lunch at the Centurion lounge at DFW (which was closed and just recently reopened) and was told they don't accept incoming flights anymore. I asked with consideration if I could make an exception. Told no. Recently the Platinum card has been over marketed and now they cannot take care of their long standing members. I am considering switching cards as I no longer feel valued.

I had a Platinum Charles Schwabs card which is an annual 550$ fee and also required a broker account with Charles S. My brokerage account had a wrong SSN so Amex closed my account without notice. (Never got an e-mail until I woke up one morning with my CC not working) I called Amex & CS. customer service and they told me to fax and correct my SSN. I used 2 hours on the phone jumping back and forth. After correction (mailing process about 2 weeks and follow up), Amex told me I still couldn't get my AMEX account back up.

I applied for Amex Gold Delta Miles Card, met the signup bonus requirement, bonus was applied in 2 weeks. Then, one day applied bonus was removed from my account, when I contacted customer care, I was informed it was removed because I had already applied for the same card for bonus and cancelled it after receiving bonus which was not true. I raised a complaint saying I had never had this card before, but still the resolution was not in my favor. When I asked for the reason, I didn't receive proper response. Very bad experience and would not recommend Amex cards.

As a Platinum Member, you have been told to receive $15 in Uber credits for U.S. rides each month plus a bonus $20 in December, plus Uber VIP where available. It is not longer true and American Express continues to deceive customers with such advertisement. Last week I took two rides in Winston Salem NC and could not apply the cash credit. Called concierge services to complain and was given excuses and a promise that they will refund the payments. Nothing was done. American Express is no longer a reliable company (Being a member for over 50 yrs). Paying $550.00 for the luxury of getting nothing in return is stupid.

Amex customer here for over 8 years. Never missed a payment. We were waiting on a large sum of money from a customer who "lost" our invoices. Amex said it would be fine and Amex scheduled a payment with my husband over the phone. They selected the wrong bank account. He called as soon as he noticed, but they said they couldn't change it. He informed them he was putting a stop payment on the payment scheduled from the wrong account and promptly paid with his business account (which is the account used to pay Amex 12 out of the last 13 payments!). Of course the wrong payment didn't go through.

For a card that charges $550/year, you would hope for the best customer service experience. I started a call about a credit line that was supposed to be transferred from a card I canceled to another card. Not only that never happened, but I also lost a credit line of over $10,000 along with it. The agent who made the transfer said it would take 7-10 days. By the end of the call, not only did I not get any answers or any resolution to the issue, but the way I was treated (especially by the retention department) made me feel that I was not a valued customer.

We had a terrible experience with a moving company, including them stealing belongings and holding our belongings hostage. I called American Express even before using them to pay the moving company. They stated they would take care of us and that we should go ahead and use our card for payment. We did so and filed the dispute as required. We provided document after document of the fraud and theft of the moving company and American Express just told me that they could do nothing and that the issue would have to be handled directly with the moving company. What is the use of filing a dispute and providing all the proof required if they do nothing but pay regardless? I will never use them again, even though we have been cardholders for 30 years. We will now have to sue to ensure that we are not paying a fraudulent company!

After being a customer for over thirteen American Express decide to cancel my account, despite always paying on time, also I have a credit score of 718. Also have been a customer of American Express travel. This business will now cease. They canceled my card as a payment. Was rejected due to a computer glitch on the Amex site, made the American Express company aware and they were okay with the glitch and even refunded the return payment issue. Talked to their call center which is based in India, their grasp of the English language is poor. I would advise anyone considering an Amex card, that they have no hesitation in pulling the mat from under your feet, this also applies to any current holders of the card. This company I am afraid to say, has a high degree of corporate arrogance, do not use American Express. Also the card is not universally accepted.

I signed up for the 70,000 Delta Platinum American Express card at the end of July 2018. The offer at the time was 70,000 points after you spend $3,000. Called to complain in Oct 2018 still hasn't got points. I was told wait 6-8 weeks then call back. Called again on Dec. 15 again stating I don't see the points in my account. On that day I was told 3 business to correct that I had only received 35,000 points.

All beware of deceptive business practices from AmEx. According to customer service you must match the value of the rewards point balance to a purchase to receive a credit. This makes the rewards useless unless you choose to waste your time finding a match. So long AmEx for me.

I was an extremely happy client of American Express UNTIL I decided to take them up on an email offer they made ME regarding ordering a gold card. The offer which I have in writing and sent over numerous time already to the correspondence unit, clearly states that I would receive 25,000 reward points for spending $1,000 within the first three months of receiving my card. I applied only a few day after receiving my email and held up my end of the bargain, I spent over $1,000 in the first three months and continue to spend, yet, no reward points. They are claiming that the offer I am claiming to have received is not true EVEN AFTER I SENT THEM THE OFFER IN WRITING! I feel extremely disappointed and honestly, robbed!

I would not go with this card at all. Rude rude rude customer service. They went up a 100.00 on platinum for what this type of service you get. They do not update their billing on a timely manner at all and when you call they also cannot give you updated information. Why does anyone want a card that cannot update the information on time?

I have been a customer for over 10 years. For the past two weeks I have had nothing but disappointment with American Express regarding customer service, managers and senior managers. I was promised a follow up phone call from a senior manager named Ruben within two business days and now it’s been over 7 business days and still nothing received. I was at a gas station and my card was then declined. I was stuck at that gas station for over two hours until your senior manager did a manual override and fixed my account. Now I just had to go through this again not even two weeks later. Your supervisors were speaking to me as if I was robots, reading off a teleprompter saying that the gold card is a learning card and your limits change as you spend. So why send out a letter stating that I have no preset limit?

I decided last month to make minimum payment on my American Express Platinum card. What a mistake. I’ve paid my balance off in full every month for the last 7 years so I didn’t know what expect. The interest for one month was over $250. I was ok with paying interest for that one month, but absolutely not!!! They turned around after I made payment in full for the for the previous balance and the current charges and bill me interested over time with both months which they hit me for over $450 in interest. WOW!!! Over $700 in interest for making one minimum payment. I was outraged at what they were trying to do.

I had an issue with Amex Platinum offer - I was supposed to get 10% back from Amex if I purchase from Nordstrom Rack, which I did but the order was processed by Hautelook (owned by Nordstrom) so Amex refused to give me 10% back. At first, I called up and complained and Amex could not help me, however, they said they would look into it. Two weeks later, they actually did look into this issue and corrected the problem for us. I got my 10% back in my account!! It was obviously the Amex Marketing's misleading advertisement but I'm sure they received quite a few complaints on this offer and eventually Amex listened to the customers. I respect that Amex realized its fault and corrected the issue. I have been with Amex more than 20 years and this was the only issue I ever encountered with them, and had a happy ending for us. I'm sure I will be the Platinum member for many more years.

Do not use. They cut my limit instantly just after I gave them $1000.00. I have never missed a payment. Never been late. I have held large balances and paid them off in time many times. Had a 700 credit score. They cut me before they even got to collect interest on me because it was an interest free card for 15 months and they cut my limit one month before. Makes no sense. They are going to lose a ton of money and I am judgment proof.

Been with Amex for over 20 years now and never had an issue. Love their customer service. This is the only time I felt "cheated" by Amex. The offer with Nordstrom Rack was deceiving. I'm supposed to get 10% back from Amex if I purchase Nordstrom Rack using my Platinum (enrolled first of course), which I did by clicking the link on Amex offer page, through T&Cs. Got an order confirmation from Nordstrom Rack, however the order was processed via HauteLook which is owned by Nordstrom.

Last week there was a problem with my direct deposit. I usually get It every Thursday morning but I didn’t receive it until late Thursday night. The bluebird app was not working that day as well. Now this week I did not get my direct deposit Thursday at all. On Friday my actually pay day I still didn’t get my direct deposit. Here I am Saturday morning still no direct deposit. Where the ** is my hard owned money???

Platinum Customer since 1994. Added a 2nd card for my wife last summer. She has used it to pay for the arrangements of a company holiday party and other events. The card is in good standing and the higher balances she accrues are paid off on time. But the AMEX algorithms flagged my account for Financial Review to see if I'm financially able to pay off the balances that I HAVE been paying off on time since the 2nd card was added. What? He explained the algorithm does this when the extra card charges more than the primary. OK, fair enough but it's paid every month - fix it. Nope.

I had a 24 years excellent relationship with AE. As they advertised I never left my home without it till my recent experience. I purchased 2 Italian products online from a boutique in Italy who advertises free shipping and returns with zero explanations about restocking fees or customs in Italy to be charged to the buyer if you return the goods. Due to incomplete information provided by the seller, the US customs did not release the goods to DHL and in return DHL asked for my social security in order to release the items. Obviously I refused to provide my social security number in writing and online to DHL just because I have bought a dress from Italy. DHL said in this case they will return the goods back to the seller in Italy. I immediately notified the seller and heard nothing back. Basically I never received the shipment.

I am very interested in the Shop Small for big rewards this December promotion and had activated it, now that my card was cancelled and another card was sent in the post this offer is no longer showing active in my account. I have made 2 phone calls on different occasions and staff are not much use as they tell me to call back after a week to see if it will show in my offers but this is not the case.

Let me start off by saying I have perfect credit and always pay my credit card bill in full every month. So, I paid $700 for a shady gym that promised to give me my deposit back after a 6 week program. When the program was over, they refused to give me the deposit back. I had to dispute this FOUR times with Amex in order to try to get my money back. I provided 3 pictures with evidence showing how the gym was shady and that I was entitled to my money back. I eventually got the money back only because the gym finally gave in and returned my money. Amex was awful and didn’t bother helping me. They somehow kept taking the gym's side even though I provided pics with evidence. I’ve been using them for 10 years, well not anymore. Time to use my Visa now. Goodbye Amex. The dispute department is a bunch of dumb incompetent idiots who don’t know what they’re doing. Now you lost a great customer.

American Express are one of my favourite companies - the customer service is always fantastic and, if you learn enough about how the cards work, the benefits are brilliant! I like them so much most of my blog is about earning reward points!

Misinformation about replacement card - So I lost my card on Nov 8. Replacement promised by FedEx for delivery the 10th. No card and no explanation. Call number One, I was promised delivery by the 12th. No card and no message. Call number 2, eventually spoke to manager who said there was a material shortage but would arrive by the 14. The 14th came. No card, no message. Called again. This time I was told wait time for replacement is at least a week. Same person later said there is a delay in mailing because of high demand. New script. Apparently no one takes notes. Asked for manager and after waiting for over a half hour, gave up. And this costs over $500 a year for this card? Half hour, gave up.

My flight was delayed for 2 hours and as a Platinum card owner I went to the Amex lounge. And I could not believe!!! I could not enter because my Platinum American Express card was not issued in Argentina!!! So the Amex cards from the rest of the world could not use the lounge!!!??? How can this happen? How can American Express allows to use its name in such an absurd? Is the name American Express independent from the rest of the world?

I reserved a hotel room with Amex and within hours realized I had book the incorrect dates based on airfare. I quickly requested a cancel with the booking company and they provided a cancellation number which I gave to Amex to dispute the charges. Amex refused to credit the charge so I contacted the Director of the hotel reservations and received an email waiving all cancellation fees which I sent to Amex. They still refused to provide a credit. I contacted customer service several times and they were very rude and refused to credit the charges. After being a customer for over 25 years I can say this is the worst company I have ever done business with!

I found that AMEX customer service gives out erroneous information which put me in a bind. Over the past 24 hours I spoke with ten different customer service agents about ATM withdraws... And each time the information that they gave me was incorrect. I was even on the phone speaking with an agent while I was at the atm using his instructions... as soon as the agent found out I was at the atm doing what he told me. His story and instructions changed and wouldn’t help me. So beware of what AMEX tells you over the phone. Chances are that it would not be correct. They really do not care about you as a customer to resolve your issues. I ended up closing my account and moving my transaction to Capital One. I concluded to close my AMEX account because how good is a card if you can’t use it... in spite of the benefits and promises they give you.

I had wrong information given to me and requested the call to be pulled and listened by 4 supervisors. 3 of them promised a callback and never did. Last one call just to say there were no notes in the account so I must not have called. I pulled my cell records from the cell phone company and call back with information. He said it would not help since he can not find any records. It is incompetence or absolutely lying and covering their mistakes. All I can say it is... This is the worst customer service experience without doubt. I get my miles and move on to somebody else that appreciate my business and have some sense of customer service.

I have 3 AE card, and recently just applied platinum charge card. They supposed to send out by DHL, however - message from DHL the document has been on hold. NO one in AE has known what’s going on, despite I called few times to talk to customer service and finally found out why. Then when I had a missed call from the center, I tried to call back - there is no communication at all, the persona answer my call, asked me all over again. No record or anything and also put me on hold for more than 5 mins twice. So end up I had to cancel it. Thank you AE, I think I will cancel you one by one... ;-(. Very disappointed member since 99.

Customer service is significantly worsening in past 3 years. 3 out of 5 times I end up speaking to a rep with very thick Easter Indian accent (hard to understand over the phone), and other 2 times, reps on the phone have very hard time to articulate the inquiry. Credit increase is nothing but painful, especially with Amex's request to obtain the transcript of the tax return. IRS does not like 4506-T that is faxed from Amex, returning the form to me as "legible." I have been Delta Amex customer for over 10 years, but I am getting close to run out of my patience and loyalty to both companies - not worth the pricing point of the ridiculous airfares with Delta, as well as unreasonable customer service with Amex.

I received an offer for AMEX Platinum, and having been a AMEX Blue member for 12 years decided to go for it, even though the $550 annual fee is steep, I do use it for travel, take advantage of the lounges at the airports etc. Although there isn't a pre-set spending limit, I have been left stranded (almost literally) on several business trips in a row now where I try to pay for my hotel, meals etc and the card is constantly declined. I use it for business and have charged upwards of $3-5K for business related charges and then pay the balance immediately after. Well, here is instance #4, on an overseas business trip right now and card was declined trying to pay for a meal. Go to the account page, and use "check spending power"... nothing. Like $100 they'll authorize.

We had several instances of fraud on our card so AMEX requested we completely change numbers. My wife spent over 5 hours over a 3 week period trying to get the cards reissued. Never could get them to accomplish this. They kept insisting that they call. We are away from home so needed to call a cell phone. They kept calling the home phone anyway or said they couldn't complete a phone call to either one of our cell phones that work fine. We finally gave up and cancelled our account that we have had for almost 20 years. The personnel in India follow a script and won't get off of it so you're stuck. The company has tanked completely in my estimation and I would never deal with them again because they, basically do not have customer service.

The worst customer service ever. I had the green card. It says no pre set limit but would decline me for a $10.00 purchase. Quit with the false advertising. What a weak charge card. I would hate to be stranded overseas and couldn't charge but $10.00 on a no pre set limit charge card. When I ask American Express why the card wasn't working they commented, "We don't want to give one card member all of our money." I don't recommend anybody to apply for this card. You would be disappointed like me.

I decided I wanted a credit card that would give me the opportunity to build travel miles, so I found the AmEx Delta SkyMiles card with a promotion that if you spent 3k within the first x amount of months, you got 50,000 bonus miles. I needed a few small-ticket items for our home, so I decided "why not". I was approved for a $5,000 limit which surprised me because no other credit card company had approved me for nothing more than $500 off the bat. I should have smelled something funny there. So off I go as I buy a new dishwasher, mattress, and being I had a job at the time that paid me just enough to get by, I sometimes had to use the card for groceries, electricity bill, etc. So I had racked up about $4200 or so debt and was planning to continue to pay it off.

I signed up for this card through Delta to buy airline tickets. Even though my application had my new address, somehow AMEX picked up an old address from Delta. I immediately noticed, and called Amex within minutes of receiving my email confirmation of credit approval. Amex said they could not fix the address until I had the card--but the card went to an address I was not at, so I could not get the card! I went round and round trying to explain how circular the situation was. AMEX rep said I had to wait for card to be delivered to old address, then call back and report card lost. So I called back 7 days later. THEN I WAS TOLD SOME OTHER REASON THEY COULD NOT FIX IT AND HAD TO CALL BACK IN ANOTHER 7 DAYS.

Do not use American Express for business. Their whole system practices is unlawful. They can put a hold on your spending at any time. I had been with them nine years with no problems paying off cards every month. Something has changed with these guys and I would look elsewhere for business credit daily use! ** American Express! You lost a good customer for life!

Today I received an email, not a phone call or letter stating that American Express reduce my credit line for no apparent reason. I have always paid my bill on time and have even paid more than what is due. I have even paid the full amount owed on the card yet they still treat me this way. I would not ever recommend this card to anyone ever. I have other credit cards and they always treat me like a valued customer unlike American Express.

My mother died unexpectedly right after receiving a brand new account with Delta AMEX card. We had charged thousands of dollars in purchases and planned to keep using it for years to come. We had been loyal AMEX cards with a separate card and had an unblemished payment history for over 15 years. Right after my mom died I forgot to set up auto pay for the brand new Delta Airlines card and missed our first payment but paid the statement in full asap as soon as I realized it a couple days after the due date.

Been an Amex customer for 20 years (Since 1998). Amex used to stand out for customer service. If you don't have to talk to them everything is good but if you need to talk to them then you go through multiple agents, uncoordinated handovers, people that are clueless. Frustrating. Customer service quality has dropped significantly. No longer feels like a premium experience or even close. Things need to improve especially with the higher competition. The card is good value with the lounge access. However, customer service is horrible.

I have 2 American Express cards and have been a customer in good standing for over 2 years. Recently, I had a zero balance on both cards and have been working to bring my credit score up after a divorce 3 years ago. My ex was terrible with money and I struggled to pay off all of the cards since they were in my name. I paid off a large balance 3 weeks ago... over 4,000.00... and I didn’t carry that balance long at all. The other day I asked for a 1,000.00 credit limit increase to make a large purchase. They put in for it. I called back to see if the increase was in effect. The representative told me that it was not approved and that American Express actually LOWERED the limits on both cards by 1,000.00! The rep did not know why but then asked me to provide all of my pay stubs for the last year and proof of income statements as if I were a new customer!