American Express Platinum Card Reviews

This is the worst service for what is considered a luxury product. I spent an hour and a half on the phone with a representative to change an existing flight who put me on 6 different holds ranging from 5 - 30 minutes, provided 4 different options for my change in flight, finally chose one, then was told after all that time that I couldn't make that change due to airline policy. Why didn't he check the airline policy first?!?! I'd like to say this is the first difficult experience I have had booking travel through my AMEX platinum benefits, but sadly it its is consistently a time suck and horrible experience. Used to love the service. Now, sadly, no.

AmEx is fine until they screw up your account and you have to call customer service. No one takes ownership of the issue. They are just there for that one call and then they move on to the next call. When you have to call back, you start all over and it never gets resolved. Then you take them to arbitration as their requirement and they simply never respond. Now I wasted $250 and a lot of time following their rules for arbitration and have to sue them anyway. I used to spend 4 to $10,000 every month and now Discover gets that with 0 fees and a lot more cash back. AmEx is the worst company ever for customer service resolution.

95 minutes on the phone to learn that at AMEX when you make a payment for 14,000 you can't edit - since there is no option to edit payment amount - I only owed $1,400 accidentally typed the extra digit and hit send. This created the issue - I looked in the app for a EDIT button - no such thing available. They have never heard of EDIT or CANCEL. "It's too late," she said. I said, "It took me 95 minutes to get you on the phone" and so does not matter. ISSUE is they want the $14,000 in their bank - so it can earn interest for 5 days then- maybe after that, they will return or you will have a credit in your account. WOW! Last time I use that card ever!

I have been a card holder for 20 yrs. I use the card for business and had 450,000 points saved for 2 yrs. I went to use for a vacation and it did not even cover the hotel. I figured it out and I get about .6% in points=cash. All this for $500 a year to have a card that a lot of places don't take. I am switching to Capital One Spark 2% cash back and accepted everywhere and it is $150 yr. Should have done years ago.

Hidden information about fees and how interest accrues. It's daily interest that is not included on the website when you try to pay off the entire amount. Any time you skip paying off the monthly amount in full, you lose a grace period and hidden interest will show up on a bill the following month. Buyer beware. American Express is deceptive and predatory to scam as much money out of consumers as possible!

I always thought that Amex Platinum card lives with its expectation and customer service. But this time, I had very negative customer service in their travel department. I was trying to book air ticket and went online to book it. It was giving error. So i called travel department and my nightmare started. First call at midnight as I was trying to get this ticket booked using travel department. 1. Waste of 45 minutes on call, customer service said try in the morning as Delta is not picking up the phone. 2. Next day, I still see the airfare and unable to book so called Customer service in travel department. After 1 hour with Travel department they said they will call back. After 3-4 hours no call back.

Beware when purchasing an airlines ticket through American Express Travel! We purchased through Amex Travel premium economy United Airlines tickets for LAX - Chicago and Chicago - Heathrow London. We understand there were couple lower fare option with combination of economy class for LAX - Chicago and premium economy for Chicago - Heathrow London or vise versa. Thus when we purchase we were fully mindful to select both flights were the premium economy and paid an extra for that. We got an email from American Express confirming that both flights were on a premium economy class, however on the LAX - Chicago flight it was written premium economy with seats assigned to us were: 56B and 56C. When we checked to United Airlines website, we noticed those seats were of Economy Class instead of Premium Economy.

American Express dropped my credit limit without notice causing my credit score to drop 40 points in the midst of me buying a home. I called to explain my situation and they would not reinstate the credit. I had 25k limit and was using about 50% so when they dropped the limit to half my credit card was at about 99% of its limit. My credit score went from around 700 to mid 600’s. Wow, not only do they not offer but 1 point for most purchases (compared to Chase and Capital 1 which offer up to 4 minimum 2 points) their compassion for long term customers is null. Mind you I have never missed 1 payment, customer for about 30 years.

I’ve been using AMEX credit cards for a long time now. Recently, I applied for a new card and called customer service to confirm whether I’ll be getting 0% APR or not due to having many Amex accounts before, before proceeding with the application. AMEX employee said “YES”, you’ll get 0% APR for 15 mo. That sounded great so I accepted the offer.

I have been a long time customer. I have never had a late payment. Because of the current events and hard times, I was not able to make a payment. I had contacted customer service about this. I was told not to worry about this, as it would be waived once I made the payment which would be a few days late. I made the payment, yet suddenly the waive was declined. I should not have an employee me one thing, for another to tell me the opposite. Very unprofessional. I will not be using AMEX any longer. There is nothing unique about their services.

I had been a customer of theirs for over 8 years, always paid my payment in full each month. When I noticed they charged me $250 annual fee at a really tough time, I cancelled my card...They said I was 1 day late in calling to get that reimbursed and would have to eat the $250 annual fee. Awful how they treat a long time devoted customer...I guess eating the fee is better than sticking it out for the next year to have them screw me again.

I have been using them since 2008 and recently got a Platinum card. The membership fee was high but I figured if I use every day and also plan major purchases like trips and expenses I could justify fee and gain points. The card had no set limit and this was a first and I was excited to use it. All was fine until about 1 week in. The declines were almost daily. I immediately charged about $6,000 to the card for auto repairs, new wheels and tires and paid my exterminator a yearly fee in full and the American Express flagged me. Asked me to pay some of the balance right away.

As an AMEX Platinum Cardholder for 30 years, I've watched the service steadily deteriorate. Long gone are the days when you call and get an English speaking agent that can actually help. Nearly all calls are routed to the Philippines. Those agents do not speak English well and do not seem to have full access to your account information, including itinerary details. After the standard 20 minute struggle of repeating yourself and the frustration of not getting anywhere, you ask to be transferred back to the U.S. - But that will cost you another 20-40mins. And, if you're lucky enough to have enough battery or free time to endure the wait, you might eventually get a U.S. agent.

Nearly 50 years as Am Ex cardholder and decades as Platinum. Overall positive experiences when interacting by phone w/ Platinum staff. But recent experience shows major failure in Platinum service—bait and switch really. Experience was major honeymoon trip where bookings made online via service Platinum encourages be used. Airline cancelled trip last minute and Platinum enforced its policy —one that it doesn’t bother to tell customers—that once you’ve made booking online then Platinum is no longer responsible for fixing problem ie once you use portal you’re encouraged to use you no longer get Platinum service. Platinum knows service level at online portal is Russian roulette. Sure seems like bait and switch to me.

Was looking into possibly getting a platinum but never submitted the application. They sent me a card anyway and it took me 4 different people to talk to get it cancelled. When I did finally get one for my business I asked that my partners get a gold card so we wouldn’t be charged for extra platinums and they still sent out platinum cards, they most likely are getting a commission every time they send one out and are hoping you just keep the card, now tomorrow I’ll probably be on the phone for an hour trying to cancel the card again. Horrible.

Worst card company I’ve ever dealt with. Horrible phone service. Was given different answers by different reps being sent in circles. Poor English. Will nearly DOUBLE your interest with NO warning notification for being 1 day late in payment. Hotel prices on Amex travel are much higher than booking hotel direct. I told them this and they refused to price match. I have a 815 credit score, two Amex cards, never churn through cards, good payer and yet they cancelled both cards at the same time with no notice. They said they will not be reversing the cancellation. Also said I will no longer be approved for future cards. I’ve done nothing to deserve that.

These agents lack training. Not what I was expecting from American Express. Agents constantly making mistakes and constantly dropping my calls. I've lost hours of my life on hold that I will not get back. You're constantly getting transferred from one agent to another. So FRUSTRATING!

I've had Amex since 1986. Over the past year, they have altered my limits twice without informing me and did some really creative and abnormal accounting to milk me out of an unusually large payment without notice. I never miss a payment. But after paying for the card annually and then getting the shaft as a reward for chasing them to make money off of me annually and monthly I am done. I will be paying my card off and moving to a card WITHOUT an anual fee, without the surprises and without the creative accounting tricks. AMEX is going downhill. Seems the more I pay my bills, the more they want to harm my credit. I know my leaving will not hurt them, there are too many new suckers out there that think this card is worth more than it is.

AE Platinum CARD had a special offer 125,000 points to welcome the new card member in mid Dec'21. I clicked the box "Apply Now" to apply the card, which is just right next to the special offer window, the weblink prompted me to the new application process and I got approved within 10 minutes. However they only credited me 100,000 points which they said that I applied the card was with only 100K offer. I don't understand how their system was trigger why the weblink system behind only program me as the basic sign on points.

Several times I have requested Amex to cancel my credit card because of hacking. I did not realize they actually would not delete the account. This happened through Amazon where fraudsters would charge on canceled Amex accounts cards - Amex would allow the charges stating that this is a 'recurring vendor' thus the fraudster is allowed to use your charge. Amex makes a point to allow what they call as recurring vendors to continue to use your charge card even though canceled. This allows hackers that know Amex's policy to continue through companies like Amazon to charge on canceled charge cards! It's a harmful and misleading policy and Amex is not likely to change it. Please check your statements carefully and match all Amex charges against your orders on Amazon!

Do not use AMEX for Business, in the middle of the pandemic they reduced our credit line by $50k via email and a letter without any prior indication (never missed a payment Member since 1979). Once our company made the payments on time to reduce the balance below $100K Amex then reduced the credit line to $70K. With the continued pressure on the ability to buy inventory (Amex was our main source of funding). We also used other Amex credit products. (Working capital) We continued to lose business as our ability to fund inventory was reduced. We were speaking to AMEX regularly about the issue, provided them with all the personal and business records they asked for and still denied the credit increase. We reached a point (we were current on all payments) where we could only pay half of the working capital on time, but would paid the rest of the payment in a few weeks.

American Express is the best credit card providers the world. My card was charged fraudulently at LCBO and I wasn't aware of that, one morning I received a call from Amex helpline and they inquired about my credit card, I said I have it on me. They informed me that because I never been to LCBO before so they assumed it can't be me. They gave me option to check for the whole year and let them know if I did not recognize any other transaction. At other time same credit card was fraudulently charged at 3 hotels at the same night.

You should stay away from American Express Credit cards. They cancelled my card, without contacting me. Blamed me for not getting their mail and making no attempt to contact me by phone or any other method. On top of that, They refuse to pay me all the rewards I accumulated over the years. Unless you owe them money, they will boot you out the door. Take your time and money somewhere else.

I'm a Amex business customer for the past 10 years. I charge each month around 300k and I have never missed a payment, but all of the sudden without any notice they cut my spending limit to 100k, which is now putting my whole business at risk. Be smart. Don't start your business based on Amex, it's harmful for your business and they have no-one there that is interested to help you succeed.

I wouldn't recommend this card or any of your cards to anyone after what happened to me yesterday. My business credit card that I have has just under $14000 credit limit with over p $10,000 available credit left. I went to purchase just over $7800 received a text to confirm it was me and and then received an email saying "Transaction Declined. We were unable to approve the transaction below as your credit limit is under review". I looked at my available credit right before this purchase and it was available!! I pay this credit card off 90% of the time, never a late or missed payment. My credit is good on both credit bureaus with NO missed payments, or derogatory information. I go to my account now and it says I have $373 available credit.. What a complete JOKE this company is. This was a time sensitive purchase I was making to get products shipped and arriving next month.

After 20+ years of using American Express for both business and personal needs, American Express incorrectly reported me as deceased and I had to get the Office of the Comptroller of the Currency involved in order to correct my credit and get the deceased notification removed from my account. Social security notified American Express of the error but they refused to correct the inaccurate report before getting the OCC involved. I will never use AmEx again and would recommend no one else does either. I would have rated them zero stars but that was not an option.

There was a offer for 70k points if I upgraded to Gold Business and spent $10k.. In 3 months. I spent $10k in 1 month and went looking for my points and LO AND BEHOLD they found an out. This after I confirmed NOT ONCE NOT TWICE BUT THREE TIMES that I would be receiving these points. A case was opened up ** and I was PROMISED A CALL BACK FROM "Linda". Linda you lie. I had to chase it down. Then Fernandan took on the case and told be for stupid reasons I did not qualify. Total of 4 hours plus on the phone. Do not trust the company of liars.

American Express service has gone completely downhill! Also, they started declining transactions whenever they feel like it. I’ve made every payment in my three-year history on time or early and more than the minimum. According to my limit, I had $13,631.77 left… Want to buy groceries? Declined!! Over and over. Horrible service, horrible card now too.

Horrible service and experience for the $695 annual fee. Their communication with me has been rotten. I am a new account holder only two months into this. I have made my monthly payments, paying far more than what was due. They restricted my account without any notification to me about their actions, only to leave me stranded at a place of business with a declined card. Phone calls to AE were not fruitful, either with the rep, or a supervisor. I do not feel as if I am being treated fairly, especially not for what I am paying for fees on this card.

Do not, REPEAT, DO NOT sign up with American Express!!! PROMOTIONS ARE SCAM!!!! They offer enticing promotions to get people to sign up. What caught my attention was an offer for $300 to sign up. All I would have to do to get it would be the usual “spend this amount of money within this amount of time”. Well I did everything required and guess what!? No $300 ever came my way.

The constant calls due to inability to correct erroneous charges, Customer Service Lack of knowledge causes them to HANG UP- Followed by Excessive Charges remaining Open along w/ Hold time is absurd while as a Business Platinum Card Holder you’d expect more simplicity in remediation to simple common problems. Their lack of care is outrageously obvious. Open Disputes are closed the moment we have hung up the phone w/ inaccurate decisions being made in their favor charging the company thousands upon thousands of dollars in errors which still remain open as they HIDE THE OPEN DISPUTE within ALTERNATE CHARGES EXCEEDING 2+ Years w/ no resolve and your Acctg Dept must review each Charge by executing the Charges line by line- most of the matters are handled in this regard costing your company excessive time Auditing Amex Bills monthly which we share today without exaggeration.

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.