American Express Platinum Card Reviews

I incurred several fraudulent charges on my platinum card, and when I called customer service to alert them, I had to listen to long automated options for directing my call (as when calling a utility company). When I finally got to speak to a representative, I had to repeat the information several times, then I was transferred to another department and had to wait 20 minutes for someone to pick up my call!!! What happened to American Express?!! I have been a cardholder since 1994 and whenever I called, there was less than a 10 seconds wait, and customer service representative would answer right away, speak clearly, know all the issues, have answers to all my questions, it felt like being a member of a prestigious club.

Do Not give American Express your business. They do not care for you as a customer. You are just a number to them. Even though you have been doing business with them for 17 years and never had any issue. American Express, puts you at the bottom of the bucket when a small issue arises. What that issue may be is a secret. They can't tell you the info of what changed in your status with them. But they would want your info to correct it and when you try to get them that info, It's a whole other process of just your time being wasted.

Never apply for this card. Worst card customer service team ever. The person does not even know what a credit card was... Yes I did call the correct customer service team, they were an out of country team...

Terrible wait times to get an actual person on the phone. Get told opposite things from different representatives. Very frustrating and difficult company to deal with. Will not give one more penny to this company. There are so many other credit card companies that are so much more easier to deal with and use. Done with AE.

As a long standing American Express credit card holder for over 30 years with an excellent on time payment history, ie. never late, I was shocked that Amex has the authority to withhold points earned via their promotions and CANCEL ALL YOUR CARDS at will without giving the cardholder an opportunity to respond to any complaint. In addition, the appeal process offered goes through the Consumer Financial Protection Bureau as well as the Controller of the Currency. The former is beholden to Amex and the latter refuses to get involved due to lack of jurisdiction. So you are stuck with no recourse!

Worst service ever. Don't choose this company if you want to start purchases right away. After signing up over the phone they told me there is no option of receiving a temp number and card to start purchases and that I should have signed up online. I called customer service and four customer service agents transferred me around and told me I could get a temp. card, but at the end all I got was that I couldn't and should have applied online. They make you feel unvalued as a consumer and they make you feel like they don't care if you stay with them or not.

The application process was completely disorganized. I had different representatives phoning a few times a day for a week repeating the same information and requesting forms that were already sent in. After receiving the card, I come to find out that the first year membership fee ($150) which I understood was waived for the first year (given all the e-mails sent to me from AMEX) no longer applied. I'm told I was a month late on my application and just received a snarky "sorry!" from the customer service rep - no follow up for the poor service or fee charged. Any complaints or questions need to be phoned in (No online chat or e-mail) and the reps can't do anything for you. It's set up so that AMEX doesn't have to hear or respond to customers. I'm surprised that customer service is so poor for such a large outfit. I will be transferring my points and canceling my card.

I was treated terribly when I asked for help on over $400 in excess interest charges on my card. I have been an American Express cardholder for 38 years. I have been charged 29.99% on my Optima card for over a year because of a payment that was late by a few hours. This has cost me over $400 in excess interest payments since September of 2016. When I appealed by AE card member services (talked to "Lynn"), I was offered a $40 courtesy refund. What a pitiful way to treat a long-time loyal customer.

I opened my American Express rewards card the first part of October and applied for this card specifically for the Rewards. I used this card exclusively, purchasing more than $4000 on it in 2 1/2 months. I accumulated 21000 points and when I went to use them I received a message that the points were being reviewed. No explanation, even after calling numerous times. I was finally advised that since I had returned a few items (immediately after the purchase) that my account was flagged. I was later advised that it would take A/X 6-8 weeks to look into it and that every time I try to cash them, the clock starts over. The points show up as available on my account 10,000 were given if I spent $1500 in the first 3 months which I exceeded by thousands. I stopped using this card and will close the account the minute these points are actually available. Worst customer service I've ever experienced.

The absolute worst experience I've ever had with a credit card. My credit is well over 700 and I have three other credit cards, all of which are paid on time and have been for years. After having an issue with an automated withdrawal from my bank (my bank's fault) American Express out of nowhere closes my account. They stated that even though I had made all of my payments on time for roughly one year, that according to their underwriting department I was now at risk. How is someone at risk who makes their payments on time and has a credit score over 720? So they close my account with ZERO notice causing all sorts of automated payments to have issues.

I live in Kingwood, Tx and called American Express right after the disaster to let them know I would need more time to pay my balance. I planned to take out a personal loan to pay off the balance. I paid them weekly. I had 2 errors on my credit report so I challenged them and the day those were removed I had a great credit score.

I made over a 3000. Payment was told and believed it paid it off in full… Not used it since got a notice they lower my limit to 1000 instead of 3000. Plus added multi-late fee claiming I had still owed a balance which I shouldn't have owed since the check I wrote was for 3100. I made a 150 payment a little over a week ago. New statement says I still owe the over 300. And minimum is 267. WHAT? Statement also stated my credit limit was now down to 600. Just called and was told, “Oh no. The account’s been closed????” And they want 161 right now…so I said, “What the statement was a lie about the 600 limit” and he said yes.

My credit limit was decreased by $12,000 for reasons unknown. When trying to get information on reasons why I was suggested to hand over personal information, tax records, bank statements & check stubs to get my credit limit back up! That is my PERSONAL information & has nothing to do with my credit limit. My history with American Express has been impeccable & I have never missed or had a late payment with any of my credit cards. This act caused my credit score to decrease as well & that is unacceptable. I will be canceling my card along with my wife's card.

Recently I didnt pay my credit card for just this past month (I also paid on time every month just so you know) and AMEX decided to schedule a payment itself for 49.00 on the 18th of Nov and also 49.00 on the 27th. I called AMEX and they put me through so many representatives and none of them even helped me. It's not hard to cancel a transaction and refund the money back. The other thing too is it was charged under my boyfriend's checking account which we did not authorized and it pissed me off even more. I am still dealing with the situation and they said they cancelled the 49.00 dollars yet it was processed through with Logix.

I carried a balance with American Express for quite a while, and I struggled to make the incredibly high minimum payments. When I finally had the opportunity to pay the balance in full this week, I was thrilled. I called in to speak to a rep and he took my payment over the phone via online transfer from my bank account. I check my account the next day, and they withdrew the over $6,000 payment TWICE. How does that happen? I called and the supervisor explained to me that there must have been glitch in the system. Okay, but now I have to wait 3 days to even get a callback? They want to "open an investigation"? With a blunder as huge as this, I just can't believe the customer service. Funds should be transferred back immediately. You're one day late on a payment? Guess what, they will call you 6 times a day. But when they owe you money suddenly there are all these protocols that must be followed. Extremely unhappy and inconvenienced.

I got a card and decided to let my daughter use the card. Payments made electronically. So in September my daughter made payment. They returned the payment and made a charge for the return. Then they found they made a mistake and fixed what they did. October comes and payment made. Payment was said to not be there. After messaging and a bunch of calls finally went paid. November payments made. Mobile app and internet sites both show it. But they're showing the credit limit as zero. After constant messaging and calls credit limit still at zero. I was told on messaging the reason is because of the problem in September.

My wife received a promotion back in April or May 2017 for an American Express Delta Miles Gold Card: 60,000 miles for a spend of $3,000 in the first 4 months, $100 statement credit after a Delta purchase in the first 4 months, and elimination of the annual card fee. My wife has her own business and needed a card to start tracking those expenses on, and in addition we had some big expenses coming up so we knew it would be easy to meet the requirements of the promotion quickly. Sure enough she met the promotion criteria within the first month. We have still not received any of the promotion rewards. We have talked to customer service multiple times and while they acknowledge we qualified for the promotion and met all the requirements, we still have no rewards. They keep telling us the same thing..."We will file a report with the American Express promotions department"...and nothing happens.

In May 2017, While booking a flight on Delta a credit card offer popped up for AMEX for 60,000 miles (after spending $6000 in 3 months) and a $100 statement credit after first Delta purchase. I decided to open the card and made my first Delta purchase on May 27 and met the $6000 spending requirement in July. I had such a frustrating experience trying to get my rewards. I can't wait to use them and then cancel AMEX forever!

During Hurricane Harvey, AMEX decided it would be nice to waive the mandatory monthly payment requirement for some folks in the area impacted by the storm. That sounds great at first blush, but for those who made their payment, AMEX decided - purely on their own initiative - to allocate these payments to elements of the account that are not time sensitive. In other words, if there is a pay over time component, and a mandatory payment portion, the funds were allocated to the payment over time portion.

I have been an American Express customer for 20 years. I have been very delighted with their services until last year. There was a fire at my mother's Apartment in which I had to use my credit cards to purchase furniture, appliances and other household items that she need and with all the chaos I was late with one payment. American Express decreased my credit line and raised my APR due to the fact that they notice my use of credit has increased and I was late with one payment. I told the customer services rep. that by decreasing my credit limit will impact my credit score.

I opened an Amex Delta Card to earn the 60,000 bonus miles. I met the spend requirement in the first couple of billing cycles but my 60,000 bonus miles never posted. I called in to inquire. They confirmed that I met all the requirements and submitted a ‘ticket’ to investigate. Still no miles so I called again in September only to be told it is a known issue for people who applied during a certain time frame. I was told it should be resolved by the end of the month. I called in again in October to advise that the miles had not posted. Now I was told that they are working on an automatic fix which they can’t give any timeframe on.

This is a total scam - You have to be the primary card holder and even if you are the primary card holder you do not get to get a free bag in addition to the bags that your Delta status allows you to check. For example I am gold elite and entitled to 2 bags. I also have the Delta Platinum Amex card so I am entitled to a free bag for me and any traveling with me (they do not need a card) so if it were me and my husband we should get 4 bags right? NOPE! Only 3 bags. My husband is an additional card member and he cannot check a bag free with his card if I am not there. $195 a rip off! Save your money these cards have millions of loopholes. #DeltaAmexdotherightthing #readthefineprint #dontbothercallingtheydontcare

American Express Delta Skymiles card- I signed up for a card/account because I travel a lot now due to family moving to another coast and I haven't had a credit card for almost 10 years. So American Express had a great promo with 30,000 bonus miles, $50 rebate after 3 cycles and a minimum spending… And more. After 6 months I have yet to receive those benefits. I finally called and American Express told me they are aware there is a problem and they are working on it to check back in 3 MONTHS! I feel I have been scammed. I am not going to cancel because that is some real money and benefits we are talking about but when and if they ever honor their promo, I am going to cancel. This is simply amazing they are admitting they're not giving people what they signed up for in writing.

I have always paid on time and pay the balance. My payment is due on the 13th and I paid on the 13th and even received an email Payment Received on the 13th. I did my Quicken on Monday and had a late charge of $27.00, I called and after 10 mins of hearing that they didn't process it until the 14th. I told her that's not my fault they were a day late!!! She finally waived it. So today I do my Quicken, there's a $7.58 Interest charge!!! I called again, the girl says, "Ok I'll see if I can waive the late charge." (She did have broken English and didn't understand too well). Finally she saw the Interest and said your payment was a day late and we can't take it off. Needless to say I'm going to start using my Visa & Master cards. I am so done with AM Express.

Anyone who has been through the fraud protection side of Bluebird will understand how frustrating it is to have a large chunk of money on hold for an excessive amount of time, especially when the initial deposit was cash. They can legally lock-down your money for 135 days, but that is the absolute maximum and at that point can close the account and refund you via check or replace the credit if they cannot show decisive proof of why.

Had unauthorized charges to my account. Was told a block would be put on the account to be later told a block had never been put on it. The company that did the charges claimed that I signed a contract (FRAUD) and American Express charged the disputes back to my account and participated in the Fraud doing nothing to help. When I asked to talk to the dispute department I was told no one talks to them. If you think you are protected from Fraud with American Express I can tell you that you aren't but they will help companies commit Fraud against their customers. I now do not trust them! Thanks Lisa for nothing!

I'm a small business and had to pay a large amount to be a part of a show that would make me $120,000 yearly. Twice they said they would approve the transaction and twice it was denied. The show is now letting me know my status is potentially revoked. Wow... They say they offer 5-star service yet they have possibly cost me more loss than any bad business move I have made which officially makes them the worst decision I made as a businessman in 10 years. Bravo American Express... Bravo.

I have had a dozen cards in my life of 20 year with a credit history and currently have four. These run the gamut of Discover, Visa, Mastercard and American Express. I had the Blue cash Amex card for 14 years and Macy's Amex card and my credit score, currently at 740, has never dipped below 700. Because the Macy's card is used infrequently, I had it set to auto payments and would double check it just in case when I thought about it. I bought a $14 bow tie in 2014 at Macy's and Amex went rigid claiming that I was 30 days late, my fault, spiking a 2 percentage interest rate, onto the Blue Cash card and stained my credit score on the Macy's card for the next seven years. All of my other cards never budged their interest rates and were accommodating over a missed payment of amounts way less paltry sums given my track record of years of reliability. It’s an insane penalty to pay for an overpriced piece of Macy's clothing.

I received a AMEX card with bonus points for spending so much money within a certain time frame. After meeting my goals and fulfilling my end of the contract AMEX is two months behind in fulfilling their end of the contract. I have been getting the same excuse for the last two months and I am pissed off... never again will I use a AMEX card for anything.

I received an offer to upgrade my American Express Gold card to platinum with a 25000 mile bonus if you upgraded by a certain date and spent $2000 within 90 days. I called the number provided and after 2 weeks nothing happened. So I checked my gold account and there was no change. The chat box came up and I explained what happened and they upgraded the card. The card was upgraded within the allotted time and the spend was within the time limit. The miles never appeared. I called customer service and gave them all the info including the promo code and everything I had.

All bonus point requirements were met by us in mid-May. After many phone calls, it is now mid-September and we were just told it could be another 6 weeks before we receive our points. This is TOTALLY unacceptable! Don't bother with American Express. They are a company of deception.

I have Gold Business and Personal Blue. Be careful with the business card. Never been late and pay off the balances on both cards. But occasionally they suspend your business card and also personal card along with it. I have auto payments. Keeps getting declined because of it.

Several of my friends and family convinced us to apply for the American Express Platinum card for all the incredible benefits that are attached to the card. The most appealing benefit to us was the availability of a companion fare on several airlines with a purchase of a fare. The day before I registered for the card, the card fee went from $450 to $550 which was a ridiculous fee but, stomached the fee due to the amount we would save on the companion fare. Fast forward several months, we are now ready to purchase our tickets to Europe and unbeknownst to us (no notification from AmEx!), they changed the rules and now offer only a "discount"!

This is the worst card. The charges are super high. Most stores don't want to take it because it charges them too much. The miles or the rewards is one of the lowest in the industry and God forbid someone steals your info and you want to do a dispute. Good luck. They make it super hard to do a dispute. They transfer you back and forward. Every time you speak to someone you would have to restart and explain yourself all over again. I think it's done on purpose after you explain your story over and over then they want to ask you for all kinds of documents and then after all that when you have no choice but to chase all these documents down and try to upload them it says document type not supported on this website. It's just BS. I had never ever had an issue like this with my other credit cards. No wonder Costco dropped them.

Blue is the correct color for this card... I am blue in the face and tired of dealing with the incompetence of this organization. There is nothing American about this company at all. The customer service is handled overseas by Un-Americans taking jobs away from our country. The customer service department I worked with, took over an hour to correct a transaction error, falsely reported a payment 30 past due, destroyed my relationships with my other creditors as a result of false reporting.

I had an American Express Green Card and a Delta SkyMiles Card. I used the American Express Green card to handle a recurrent charge for a referral site that generated most of my business. They initially allowed me to charge $6500 which was paid off timely. Then I noticed that the amounts that they were approving were changing month to month. When I inquired, I was told that it was an algorithm and they could not tell me what would be available each month. I had an issue with whether the charge would be covered, so I had to use a different card and pay that off.

On February 13, I was attempting to purchase 4 tickets to "War Paint" through the Ticketmaster site. I was bounced to another, predatory resale site, Ticket Fulfillment Service of DE, and, and unbeknownst to me, was sold tickets at double face value, plus a $300 service charge. I took the complaint to American Express and was told that the problem would be investigated. Then, the telephone agent suggested that I purchase tickets through their Concierge service instead. Under the impression that Amex would cancel the fraudulent charge, I did indeed purchase tickets through them. I have now had 6 case numbers, and finally spoke with the Executive Office yesterday, only to find that my claim has been denied. So I ended up with two sets of tickets, for the same night because the Amex agent led me to believe that the first set would indeed be refunded.

I book a hotel through AMEX months ahead of the stay and then got bumped to a different city. I got charged twice for the room and have talked to many supervisors at AMEX who have yet to help me. I have stayed on hold for hours and my family had to change in a public bathroom before going to dinner. I only spend about 10k a month and have been a member for over 30 years. Poor, poor management!

I understand the need to verify identity but American Express after 6 months as a customer has asked me to validate my identity. I had charged and paid off thousands of dollars during the 6 months. Anyway they declined a transaction at a grocery store and when I called them they said they needed to send me a text and just read back the number. I did so and thought all was ok. Next day, I try to use the card and they decline it again. So I call American Express and they want to call me on my home number. Obviously if I am away from the house I can not answer my home number. So they say they will leave a code on my answering machine and call back and everything will be ok. When I get home I do that and they said all is ok. So then overnight I get an email stating that I had 15 days to prove my identity and I need to call fraud prevention. So I call them and they start asking me for the full credit card number of another bank card.

I have done business with AMEX for more than 25 years. I build new companies, and bring AMEX in usually as the corporate card. I also use them extensively for personal use with my family. Over the years, I have always been impressed with the professionalism and efficiency with which they carried out the task and conducted business. Travel, concert tickets, gifts, fraud issues, and recommendations. As an executive I would point to AMEX as the benchmark example of customer support. I believed that they truly cared about their customers. At this point, I can confirm through many many examples that they in fact, have zero interest in the customer. They are interested in customer selection, minimizing losses, and if someone doesn't play ball, they are quick to make life challenging for you, further, they will do so skirting various legal restrictions.

I received an email about the American Express Delta platinum card and an offer for 70,000 miles if I signed up. I then called American Express to ensure that I was eligible for the offer as I already had another American Express card. I was told over the phone that I was eligible for the offer (after the representative confirmed with her coworker) and decided to sign up over the phone as that was something they could do. I then spent more than $4,000 dollars in the first 3 months, which was the requirement to get the bonus miles of 70,000 miles. 2 months after the miles were not in my account yet, so I decided to call to check what happened. I was then told that the person that filled out my application via phone did something wrong and I was told now that I wouldn't get the points. I'm really disappointed as the only reason I signed up for the new card was due to the offer.

American Express cancelled 4 of my credit cards that I have had since 1980 i.e. for 37 years without warning or cause. I have never been late for a payment in all that time. In addition, American Express refused to issue 60,000 rewards points credit for purchases that I had made saying they would not since they cancelled the accounts. Also, I had 900,000 in unused saved-up American Express Rewards points that they said I had to immediately use or lose. My only recourse is arbitration because of the cardholder agreement they make us all agree to. To do this I have to pay upfront the arbitrator's cost and possibly the costs of the Amex lawyers as well. Some system! Crooks!

I have a Platinum Business American Express card. As I'm an entrepreneur, I was saving it for emergencies, which meant that I used it infrequently. I had a $25,000 credit line. Then, the day that I charged a $2,700 computer to it, they cut the credit line to $1,000. I was in shock. I called AmEx and they said it was because my credit score declined. I asked them to look at the credit score for me that is presented online with my card information - my credit score had actually increased! The bottom line is that I do not trust American Express. I would recommend that individuals and business owners stay away from this company. Citibank and Chase are much more willing to help their customers. And, I'm sure that others are also willing to help, but I don't have experience with them.

Blue Chip Everyday Cash Card - You're a big disappointment. I would never use your card again. And I highly recommend everybody not to use this card because the support team is nothing but crap. Also the single star that appears. Is because I had to. You're not even with that star.

American Express NEVER sent a bill to my house. I got a company card which never confirmed in email (so it shouldn't be activated). It is just as I got it and it is still stuck on the paper with the security tape across the top of the card (never called the number to activate it). I was waiting to travel for the company before actually activating this card. Since I never confirmed I got it at the house or activated the card, there should be no bill. If there was a bill you think American Express would mail TO MY HOUSE a bill... I never got a bill... 7 months later I get a collection agency calling me. American Express is the sneakiest bunch of ** that should NEVER classify themselves as professionals. I will never EVER get another card from these ** or suggest anyone does.

AVOID THIS CARD!!! --- BOYCOTT American Express!!! I tried their Plum card for almost a year and found trying to get the 1.5% cash back was so policy and software restrictive I had to fight them to honor it almost every month. Even with paying the balance off in full each month! You have to do this manually as they hope you'll forget their narrow qualifying time window and their e-site won't even allow you to auto pay the balance within the qualifying window! And as that is not enough, they hit you with a huge annual card fee (if you're stupid enough to not catch it prior to the 1st anniversary date or smart enough to close the card before then).

I had always read reviews about credit card companies decreasing someone's credit line overnight for no reason but for some reason I didn't think that would happen to me until now. I figured the people leaving the reviews were leaving something out of their story and that it was their fault that their credit line had been cut drastically. American Express cut my credit line from $5,000 to $1,700 overnight. I have never missed or been late on a payment and what's funny about them doing this is 2 weeks ago they just sent me a pre approval for their gold rewards card. Unfortunately I applied for it and my application was accepted. When I called Amex to find out the reason for them doing this. They told me it was based off of information they got from Experian. Since I have started with American Express my credit has actually improved.

On two different occasions, I have experienced phenomenally incompetent and offensive response to American Express charge disputes. In the most recent example, an airline company charged my AMEX card account in error for an upgrade they could not deliver. The airline immediately acknowledged the error and promised to reverse the charge. However, a month later, the charge appeared on my AMEX credit card account. In spite of a trail of documentary evidence, and assistance from the airline, AMEX has not acknowledged that they charged back SAS nearly two months ago. Their response has been impersonal and sluggish; clearly this indicates corporate indifference and inefficiency in response to customers.

I was preapproved a few years ago for a credit limit of $8000. I signed up with Amex and about 6 months later decreased my limit to $1000. I was told that if later on I decided to go back to my previous limit that I could do so. A year goes by and I request to increase my limit but I'm told that since I only have $1000 that they can only increase that by three times. No one told me this when I decreased my limit.

We are being charged interest twice for one day late payment in full in two statements, we just read through the agreement online, nothing is listed regarding we will be charged interest twice until two full payment is received. We have been the card member for more than 10 years although we need to pay $95 annual fee, also the card often being refused by a lot of retail businesses. We have been paying the balance in full every month until couple month ago. Our full payment was late for one day due to online bill pay service we have, we were charged for $53 interest which is $10 more than the rate listed in the agreement. For the following billing cycle, we paid in full one week earlier than the due date, however, we were charged for $55 again for interest, and the balance subject to interest rate is the total of the credit we have received for $4500, not on the purchases.

Until today, I have been an American Express Card customer for over 30 years, using it for my business travel, etc. In the beginning it was easily worth the yearly charge because of their flexible billing cycle. That meant if I got busy in my consulting work, I could put off doing my accounting/bill paying for a few weeks with no worries. This also matched my corporate client's habits of slow-walking my billing.

Amex Platinum had the audacity to collect a $450 fee from my daughter (recent college grad) and then cancel the card 12 months later from inactivity. She paid every prior bill ON TIME and without notice - canceled her and her 105,000 points. Would not renew even though she has a perfect credit history. I am canceling my entire family's Platinum cards which we have had for over 12 years. Much better premium credit cards and awards with other banks. Do not use Amex.

I have been a customer of American Express for 16 years and have loved, admired and respected the company, until now. I had suspicious activity on my card and called for an investigation with the fraud department. I was assured that everything was handled. One of the charges turned out to be legitimate from a firm I do business with who changed their billing name. I called to lift the dispute. I had to make 8 calls in regards to that particular charge and the last person I got on the phone told me that there was no record of any fraud on my entire account. When I insisted that there was she insisted that I was wrong. The truth is that there were 3 firms in my first dispute and investigation. She became unfriendly and when I asked to speak to a supervisor she did not want to allow me to. She just kept insisting that there was no record of ANY fraud on my account. I was then on hold for 10 minutes of which the first 2 were dead air.

In April of this year, I applied for and was approved for an AmEx Delta Sky Miles gold card. The reason I had applied for it was the promotional offer of 30,000 bonus points after making $1000 in eligible purchases in the first 3 months, in addition to a $50 statement credit and checking my first bag free on Delta. Well I actually charged over $3000 on that card and paid my statement balance on-time... in fact early. After wondering where my bonus points were, I contacted American Express "customer service" and I was informed that I was not eligible for the promos because I was not a new member. Well, indeed three years ago I had applied for this card but never received it from American Express and in fact I had called them after a couple of months to let them know that I had never received the card. At that point the person on the phone said he would send me another one but I still never received one through no fault of my own.

I committed the sin of paying only a little late, compounded with the ignorance of thinking a late payment would go into the next month, and so would be nice and early. Not! As every AMEX user should know from carefully reading every page of every "important changes to your credit card" notice, here is some actual AMEX notice text from last fall: "Effective January 1, 2017, if we do not receive the required payment by the Payment Due Date shown at the top of your billing statement, we will charge a late fee." (Previously, you had to make the required payment by the next Closing Date in order for you to avoid the late fee.)

While traveling recently in Australia, I bought some tickets online for a Broadway show in Melbourne. Upon receiving the information on the tickets they asked me to send a color copy of both my passport and driver's license over the internet. Because I have never heard of this before, I called American Express platinum to ask them if this was a normal procedure, because it seemed to me to be fraudulent, they replied that they would not send the information over the internet and that if there was a charge on my account they could not see it and when I asked if they would make sure to back me up since they suggested that I not send the information they said that they would.

Stay away from American Express! They offered me a Plum Card which helped me build my Business, I started with couple thousand dollars and build up a credit of up to $450k and was able to manage my business and pay one-time all the payments to Amex, all of a sudden Amex cut down my limit with any notification to $150k. I had to go look for other loans to be able to pay back 300K... Don't make yourself comfortable with them. They will take you out of business. Stay away!

I called Amex, explained that I had some fraudulent charges, they reviewed these and said ok, they will refund and issue new card with different number. So far so good. 1st issue: Unfortunately, a week later I still didn't have the card, I called, they said, "Sorry replacement card was canceled, but we will issue you another one." Why was it canceled? Why did no one notify me? No answer. 2nd issue: Called again 3 days later, "Oh sorry, this replacement was canceled too, we will send another one." Why was it canceled? Why did no one notify me? No answers.

I have had AMEX for business since 2014, always paid in full. Then in 2017, AMEX started sending me correspondences to Pay Over Time and INVEST in my small business. So for the first time, I did this. I started using my AMEX and when it go over $10k you all shut my card down. The message was you cannot carry a balance over $10k. So what did I do? I paid it off mostly. Then went business as usual and next payment was for $1000 on a $2800 bill. Which a normal person would say, I paid well over the min payment. Then I get hit with more declined transaction, embarrassing me in front of clients and vendors. Then I call and AMEX treats me like a piece of CRAP! Like BILL COLLECTORS - telling me I do not pay my bills, I'm past due. Treating me like I have been a horrible customer for years. When in reality, AMEX Pay Over Time is what created these issues.

I have been a loyal member of the American Express Card since 1995. I am compelled to part ways with AMEX now because of their new business model, which entails robbing members by charging them $38 late fees on a monthly basis even if the bill is paid in full within 30 days from the statement/billing date. Their new policy requires payment on an arbitrarily set date, in my case the 11th of each month, whereas my bills are not issued until the 15th, 16, or 17th of the month.

I'm reading these reviews and everybody saying how their accounts have been hacked and money been taken out... I also had that problem, 2500 was taken out my account March 21, 2017. The person knew my card number changed all my information and took my money out my account. I reported it and they said I would know something in 7-10 business days... 2 weeks later I get an email stating my account has been suspended and closed... and that the transaction was valid. Don't trust them. They are scammers and frauds. All the money missing from accounts is an inside job. How else would somebody know your information and able to go into your account without your authorization... I got me a lawyer and I hope everyone do the same!!!

Hi Amex. Very annoyed with the level of non service I have received and lack of information. When I signed up and received my card not one person told me that Amex can't do cash advance at an ATM. And I wasn't told about how hard it is to transfer money from my Amex card to another card. Please be aware I have send in 2 complaints about this.

I tried to make a payment on my AmEx, verified my bank account info etc. Made the payment, and a few days later got a call that it did not go through because I did not "verify" the payment. I try to make the payment again, and at this point they have charged me almost $100 in late fees. Again, I get the same call saying that because I did not call in on the 16th (the due date) it did not go through. I have no idea why on earth I'd have to call them to verify my payment on the due date when I paid online twice and they refuse to take my payment. At this point they have charged me over $200 worth of late fees. Once I figure out how to pay this off I will never ever use this card again. And now that my card is "off" I can't contact a single person other than someone telling me if I pay it in full I can have it back on - ok. So you tell me to pay in full and I will be ok, but the two times I paid online weren't good enough and I still owe the $200 fees? NO THANKS.

Put a charge in dispute for defective goods from Alice, NYC. Amex kept on putting in incorrect information and closed the dispute. I kept on calling back and they reopened the dispute. This happened FOUR times. At the end they said they paid the merchant already and can only give me credit if the merchant pays them back. DUH! I had to prepay the full amount and used the Amex card with the knowledge that in case there were issues Amex would stand behind me. They didn't and, as per other reviews, they don't. That's the end of Amex for me.

Credit Limit Increase - I have been a member since 1988, and had no problems with them last year, cool clear card. THIS YEAR? I don't know what kind of outsourcing this company is doing, but it has put, what I considered to be, their "stellar reputation", in the commode. I have paid on time, and have been close to paying them off, several times. I made them the priority over my other cards, as far as usage. Their customer service is terrible. I will pay them off before the end of the year, and put them away in a drawer. Sad, too, because I am getting ready to start a business and wanted to make them a part of my start up. NEVER! They have become a "Roque Card".

I have always been under the impression that the American Express card was the most desirable credit card to have. My experience over the last few months with them has been nothing short of unreliable, unprofessional and totally frustrating. When I say unprofessional, I am referring to people who work there, telling you they are doing one thing, and then finding out that they have done nothing.

I had a client who contested a charge even though I said I'd refund him the money. When I received the letter from AMEX, I immediately refunded him his money. A month later, they took $1,000 from my account and told me he had actually contested 2 charges, not one. (The client was apparently hoping to get away with stealing from me because he had been provided services for that $1,000 and I had verifiable, undeniable proof of that.)

47 years a member and I cut up my card and sent it to the deadbeat in charge, Kenneth Chenault. My guess is that is miss-management of the once great company is the cause and effect of their stock decline and terrible reputation with customers, merchants and status. Since they moved their fraud department to Mexico. Ole' lololol. The country of crime, fraud and disorder. Brilliant little Kenneth! Then they moved their customer service to the Philippines (The country of disorder and crime as well as radical Muslim terror training camps, great! Just where I want my information going to).

Last year around the end of the summer my husband and I got a promotion for the Platinum Card. Being an Amex card user since 2000 I thought now that I'm married we could upgrade to this card that comes with some additional services. If you spent a certain amount before the first 3 months you got so many travel points. So we decided to pay one of our vendors that we had for an event, with that card and get the points. He wouldn't take American Express because even though we live in 2017, Amex still charges its vendors a higher fee per transaction for accepting their card. So we paid them through PayPal with the card and Amex accused us of misusing it and proceeded to cancel our 3 cards. Since when can't you use PayPal to pay a business? Amex cancelled not only the platinum account but also my and my husbands' Blue Sky card that had so many reward points and now they conveniently vanished!

After 10 years as a customer, I became dissatisfied with the travel service as it seemed continuously on a downward course. I felt it was not worth the yearly fee. I decided to cancel my card but was one week late in doing so. They still charged me the 450.00 fee and interest during the contestment period. I cancelled my card when I sent the request to cancel the membership but they continued to say, "We are cancelling your card." I have now paid over 500.00 for a card cancelled in october of 2016. My many other cards seem to have just as good services for no cost. I strongly urge people by my opinion to avoid this scam. No prestige in holding this card.

Originated my first credit card account with AMEX 22 years ago (when you were required to pay $75 per yr. for the 'privilege' of using their card). Canceled it then after attempting to make a purchase at grocery store - with a ZERO balance on the account - calling customer service & being patronized by the CSR I spoke with. Fast forward 22 years & AMEX appears to have 'outsourced' their CSR unit overseas. In the words of the current (mentally challenged) POTUS - "Horrible". Dealing with a billing dispute & the individuals on the CSR end are virtually USELESS. :-( Canceling again & sticking to Discover, VISA, & MC.

I have been with Amex for 30 years, Gold Card member. I saw a bogus charge on my account and contested it immediately. I had tried to reach the company that posted the charge. They were trying to charge my card even though it was expired. I said NO. I warned Amex it might come through. It did. They used my card that had expired a year earlier and Amex let it post. I disputed the charge. The company who charged my card is EIG, shady reputation of late. Amex took their word over mine and they have let the charge stand. I have canceled my account with them. I will continue to fight, without assistance, a company I cannot reach because Amex valued that charge more than my business. I will never carry another Amex card.

It's been several weeks following the submission of a dispute no one in the Group can explain in a clear and concise manner the status of the dispute raised. The group appears to be very disorganized and in fact initiated a dispute for a transaction I had never questioned. Further, the Group does not appear to maintain notes of conversions with customers to facilitate speedy resolution and follow up; as a result, an exorbitant amount of time is spend rehashing your issue with the next "Supervisor" to whom you're transferred. Additionally, the Group does not appear to be knowledgeable of resolution protocols and quickly lose credibility when their promises of a "speedy resolution" do not come to fruition.

I have been a customer of American Express since 1982. My husband and I have held numerous personal and businesses cards with American Express during the last 35 year. I canceled one of my corporate cards. I had a balance of 30,454 rewards points. American Express will not honor these points. I was told when I called, that I was notified of a 30 day window to use the points. I was not notified of such a window when I canceled l the card. In addition, please note - I called to use the reward points 8 days after this alleged window expired. Given the lack of notification and my 35 year relationship with American Express the reward points should be honored. I earned them. I am very dissatisfied to say the least.

Never had problems with Amex until I received the platinum card. Problems start on 'chat', they then have you call an 800 number, they turn you over to another department and if you aren't 'cut off' they temporarily fix the problem and it shows up on the next statement. I spent a full hour on this BS again tonight. I've been with Amex for 25 plus years and will not last much longer. I work internationally so communication becomes even more problematic. Will switch all of my business over to Citibank soon.

I had been an AMEX card holder for over ten years and was never late on a payment. Emergency travel caused me to approach 50% of my available credit limit. AMEX then unilaterally cut my credit limit by 50% with no notice. Then the phone calls started, demanding that I reduce the balance outstanding. These were without question the rudest collectors I've ever dealt with and they made it clear they could care less about retaining my business or customer loyalty. I paid off the balance and cancelled the card. I will never involve myself with them again and recommend that no else should either.

Error in overpayment on 4/5/2017 and 4/19/2017, still no return of our funds. No credit appears on the account either. Each and every phone call we are given a different reply, a different answer, completely different from the first. Each person working for Amex tells us that our refund being processed, yet no funds ever show up. **** AMEX has our funds and is refusing to return to our physical address or our bank.

Amex froze my membership rewards points until the Plenti bonus period was over and then my points were magically reinstated. During this time, I was treated like a crook. After they noticed I did nothing wrong they wanted to be all friendly. Terrible company - always empty apologies. I will no longer use their services.

This company used to be great, don't know why it went downhill. Been a customer for over 5 years. Rated 1 star for these reasons. Not providing proper investigation when disputing a charge. If you dispute a charge they will take the company's side even if you have proof. Lowering your credit balance without a why or reason. Customer service incompetent. Don't speak English. They can't communicate, sound far away, lack of account knowledge. Giving false information on the phone to sign up in promotions. In conclusion in online world where we buy with our eyes you expect a company to have your back. This company is not American Express.

We are a small business that was courted by Amex to use their cards. We purchase over 50,000/month in supplies and used their cards faithfully for most business expenses for 2 years. We paid every bill accurately and timely as required. Never a fault, never late, always paid in full. All of the sudden, Amex lowered our credit (on our limitless cards) to 3000.00.

I am very disappointed in their Dispute Charge Department. I have been a member over 20 years and I cancelled my membership with Hand and Stone in Howell New Jersey. They charge my card for $122.00 two times on same day after my membership was cancelled. I called Hand and Stone and they said they will return the $244.00 and they never did. I called American Express BUSINESS PLATINUM they told me they would return the $244.00 back to my account and they never did. I called them # 3 different time and got the same answer every time. Today I called them 03/26/2017 and spoke to a manager that was not helpful and not nice and he was in favor for the merchant Hand and Stone. I still did not get anywhere. What do I do next.

I was told to send in two months of bank statements which I did. I called one week later to see how the process is going along but was told that I only sent a one month bank statement and that my fax was sent past the deadline so they decided to close my account, despite it has always been in good standing for 5 years in which they acknowledged. I explained that this is incorrect and my phone fax records will verify when the fax was sent and the number pages sent. The representative was rude and didn't want to listen and proceeded to move forward with the closure. In addition, my other bank statement is missing but Amex says they don't know where it is and their fax system is error proof. This is quite disturbing. I've never had a problem with MasterCard or Visa in which I have higher lines of credit. This problem has been escalated. I will not recommend for anyone to apply for this card.

We own a small business. We started accepting American Express cards about a year ago. A customer made a purchase using his American Express card. It was for a Cigar Cruise that we had to cancel. We credited his card for his purchase. 7 months later this scam of a credit card charged our bank his initial purchase amount because we didn't fill out a form that was required by their standards. We have since stopped accepting Amex cards. Not only is the customer service terrible, but is not small business friendly. We had to fill out an affidavit and it required much of our time that could have been spent on our business. Terrible and not small business friendly.

I've been an AMEX Platinum cardholder for 15 yrs but only recently needed to reach out to customer service for a card related problem. It took FIVE calls just to get someone who could/would help. The first two times I was disconnected. The third and fourth calls resulted in me being on hold for more than 20 minutes each time after I was told I would be placed on a BRIEF hold. After all of this I still wasn't told the reason why my card had not worked. I'm currently waiting on a call back. Stay away from AMEX. They were once a decent company that took pride in customer interactions. Not anymore. I will update as necessary.

I applied for and receive the American Express Platinum card -- with a hefty sign on bonus... When the bonus showed up it was for half the amount advertised. I then called for the missing amount (the whole amount I was awarded since it too was now missing). I was told a year later that I did not meet the required amount to spend by $168 and it was a mistake to give me the award at all. I asked for a one time allowance and was told it was a lot of miles and maybe if I hold on they might give me a smaller amount. Really? I responded that I would wait for my annual fee to renew and cancel the card...and I would try to find the original amount advertised with the offer to join... Come on AMEX, this is the best you can do with customer service. Our family will be moving to a company that stands by its advertising. NO THANKS for nothing AMEX.

I send via online banking American Express payment to arrive 2-3 weeks in advance of the due date. But still the payment has not posted. Called AMEX to speak to an intelligent person about the issue but I got outsourced Philippines, India, and Mexico City, lowest level call center persons. The CEO does not take calls and I was directed to (800) 700-7619 that had a message to write American Express General Counsel Office, yet another useless PO Box: 200 Vesey Street #49, Mail Stop NY-0-50-01, New York, New York 12085-5001.

I am very dissatisfied with my experience with American Express. I had a relatively large expense coming up in my life and I remembered that I had a pay over time feature on my Gold Card. I called and verified this and was assured that I did have this feature. I made the charge on my card and called that day to have the expense moved to my pay over time balance. They said they could not make the change because the transaction had not posted. I called two days later when it had posted to have them move it and again they were unable to, claiming that it was because the statement had not yet closed.

I have been calling the customer care of AMEX since 4 months continuously. Finally, I got the answer today that they cannot help me. First due to ending of my promotion for 0% interest they ask me to upgrade and so I did without providing a proper information about interest charges each month which is approx $60. First month when charged interest I called and spoke to supervisor, they said will check on my request and get back to me but never did. But today when I asked the other supervisor (BRYAN) he gives a misleading information saying they might have not called as they could do nothing about the misleading information giving to you on the recording by rep (CHRIS). And now all of sudden he said rep gave correct info so we cannot do anything. They basically DO NOT HAVE RIGHTS to give wrong info without any proof... I will close my account... That's all I can do as they charging me $60 each month.

I was an authorized user on my soon to be ex-husband's Amex card. He charged $270,000 on the card without the card being present. Three times the credit limit. He will not pay them. Amex has called me 3-4 times a day demanding that I pay his charges. I told them I was not joint on the card and not liable. They then reported his delinquent charges on my credit report. They removed the info on the credit report when I told them they were in violation of the FCRA. Then they suspended my individual Amex card without notice. I have always paid it in full and have excellent credit. When I called they told me unless I provided financial info including tax records on my soon to be ex-husband (divorce should be final 10/3017), they would cancel my card. I canceled the card myself. I feel that they have harassed me, violated Federal law and attempted to get me to provide illegal information.

Have had no issues since. Use my Amex everyday.

It's really bad from you on your service nowadays. When I received my card year back it was awesome but I could not find what is happening now. I bought an NHL wire worth 590 rupees from eBay. But I never received the product. Still I have been billed for the same. I disputed that amount which is not in favour of me. But when I called to know the reason your customer support never gave me satisfactory answer. They said they will mail me the letter from merchant and when I asked for escalation mail id, I talked Shivangi your senior. She gave wrong mails ID as head-customerserviceindia@aexp.com. I said it's service or services and she said service. I said my payment date is on 14 Jan when I talked on 11 Jan. They said I will get in 3 business days but I never received any communication from you. This is really surprising and ** fact. Please block card. I don't want to use these kind of third class services.

AMERICAN EXPRESS is a scam, their customer service staff are rude and unprofessional. I've been a customer for many years and always on time with my payment until they talked me into signing up for AM sky. The first transaction and encounter back in 2016 was pleasant and helpful until this recent transaction where their website and mine were experiencing technical error led me to 1 day behind my due date of 1/22/17. I contacted the customer service on phone to pay in full for the balance and requested for the late fee to be removed ( for 1 day late which is today 1/23/17), instead of working to find every possible resolution they (John ID # **) told me there was nothing he could do and if I then he would be gladly to assist me to close the account. He quickly read through some of their policies to close account and hang up.

Small Business BEWARE! Background: Personal credit score 815. Small business with 5 employees with company AMEX cards. Never missed a payment. Profitable business with A+ balance sheet, cash flows and P&L. Out of the blue AMEX freezes our charging with no explanation leaving employees traveling with no credit option. Requests my personal tax returns and given the holidays says it will take up to 3 weeks to restore the account. Fortunately I had Chase Ink cards provided by my primary bank to quickly restore our business activities, but the impact left employees concerned with the financial status of our business. I don't think they cared or even understood the gravity of their actions. Not small business friendly and I would avoid unless a last resort. Reading other reviews this seems to be SOP.

Member for 34 years, have multiple accounts with the company, spends about 30-45k per month and have always paid all bills before the due date. My FICO scores with all bureaus are in the high 800's. Much to my surprise, I log in online to see that all my accounts are suspended and I am urged to call their "Financial Review" team. When I called to ask what the problem was, I am asked to provide my last 3 months bank statements and was told that it would take up to 10 days before my accounts can be reinstated. I politely told the representative that I will gladly provide my bank statement copies (with average balances in mid to high 6 figures), but would like to see my accounts reinstated the same day as a lot of suppliers and service providers charge my cards automatically.

I recently purchased gift cards from American Express using my American Express Platinum card. The total order was for $15,000 made up of various quantities. American Express sent me some valid cards and some fraudulent cards that are not valid. I have spent 10 hours on the phone with American Express without anything being resolved. I am at the end of my wit's end and have no idea how to proceed. They basically committed a fraud by taking my money and giving out fraudulent cards. I would never order gift cards from AMEX or use a AMEX Platinum Card.

This inquiry was removed. Resolved. Thank you!

I have owned and been President of a total of 6 companies since 1994. American Express was my card of choice. In the last 4 years they have moved their communication to foreign countries and made it very difficult to work with them. At two of my companies I had 20 employee cards issued, all platinum. As I was using my points, the customer service rep told me that I should changed to green or gold as my guys did not travel by plane, only I did. When we changed our account to one platinum with 19 green cards, they took our charge power away. We had been charging over 250,000 per month before and had allowed AmEx to contact all of our vendors so that they could pick up additional merchants. Our charge power was reduced to 30,000 and they made multiple mistakes on the cards over three times.

Stay away from American Express! Biggest scam! Terrible customer service. Stick with Visa/MasterCard! American Express should be ashamed Of themselves what they have done to me and many others!!! I haven't used my card for years! I have a big monthly payment that keeps going up and they will not help!

I have been a customer over one year. Always paid bills on time and used my card for EVERYTHING! After an issue with Sunwing booking a trip I could not attend they would not cancel so I contacted my credit card company. The woman I thought was wonderful said, "No problem. Happens all the time. Goes to review but if you get charged you'd be the first." Called again to double check before missing my trip again. Was assured it's no problem... I've now been fighting with them since November but all communication is done through letters in the mail and you cannot get anyone of significance on the phone. I've emailed requests twice and asked 3 customer service reps who transfer then I get put on hold and hung up on, the last man I spoke to I gave my number to have a supervisor call back today and still nothing... 100% going back to MasterCard. Wayyyy better service.

If you going to apply to get a AMERICAN EXPRESS don't do it. Just see the reviews online... Don't have any person to speak English... Only the machines. I have $10,000 limit but you can used. Just take the time and research everything...

I have been a faithful Amex user with 2 different types of their cards for Over 6 years. Without so much as 1 late payment. I bought out my business partners of 4 years and put all the acct in my name. After 2 months of use they delegated a limit to my cards that was lower than my 4 year avg. monthly balance. When I say lower, I mean way lower I ran my business on these cards. Most months were 60,000 to 80,000. They gave me limit of 6000.00 when the balance was at 35,000. They have ruined my business as far as I am concerned. The Federal Trade Commission should do something about this. Any input on where to turn next would be appreciated.

I've been an American Express customer since 1984. I have CEO'd 2 publicly traded companies and worked across multiple countries and have always used American Express Platinum for my business travel. Our new company, which is growing fast, has relied on American Express Platinum for our employee travel and other company expenditures. After 33 yrs of working with American Express, last Thursday at 2:00am in the morning, I received an email from American Express that my account was cancelled. No reason why. We spend a lot with American Express and for some reason they don't seem to like our spending habits. And I should add, that we pay our bill off every month.

American Express customer service is terrible, absolutely terrible, and this company is a joke. My credit score is 719 with excellent payment history and no negative history on my credit report at all. The reason for going with this card was the introductory rate and perks. 6% on purchases at supermarkets and 3% gas returns as well as $150 back for purchases of $1000 in the first three months. Well I was approved for the card, no surprise there. But what was surprising was being approved for $1000 at a 23.49% interest rate; I mean seriously! The fee per year is $95; which AMEX stands to earn 10% off of my balance and for me to take full advantage of the intro $150 back, I would have to run 100% of my credit limit which would negatively impact my credit score.

When requesting to review charges and penalties fees, I was promised assistance and the 6 different representatives I spoke to, never followed up with my requests and never called me back as promised. I was charge inappropriately and none of the representatives did not help me resolve the issues. I was transferred to various departments and many promises were made with no resolution. It was very apparent that the representatives' only motive, was to receive payments even if the charges were incorrect. I changed credit cards and now I am very happy!

I applied for my card and call to downgrade. They lied to me and kept transferring me to different departments. Finally they said they will be able to downgrade and as soon as I agreed they turned around and said, "I am sorry." We can't downgrade. We will have to apply for a new card. I ask, "why do you have to apply for a new application, do you get bonus?" She said, "Yes." So for her benefit she was ready to hit my credit. I would not recommed this credit card company.

I applied for the Blue Cash Everyday Card and was approved 09/2016. The website indicated 0% Apr for 12 months and $100 reward after spending $1000 within the first 3 months. Based on this information, I did a balance transfer from my Discover IT Card which has an Apr of 12.99% to my new Blue Cash Everyday Card. First statement, I was charged interest, called Customer Service to put in an investigation.

Unfortunately the customer service has no knowledge of how to conduct themselves towards customers. I was suppose to receive the everyday Credit card within 7 to 10 business days which of course every company says that. By the 8 day I general receive the card. Well 8 day came no card, 9 day came no card, 10 day came no card. So I called American Express customer service. They have no clue what they're doing. They told me they were sending the card by FedEx. When I called back to ask them if I would be charged they said "oh no." They said "UPS will delivery in on Saturday". "Ups. I was told FedEx." I said to him "could you make up your mind." It was supposed on arrive Saturday. No card so of course I was forced to wait Monday. They had to reroute.

We are a Moving Company, we performed a move. The client gave us a prepayment of 250.00 charged to her American Express Card the day of the move. She paid the balance with the same card 717.10. She complained about a damage which was confirmed. She did not get what she wanted by law and a form she signed she was in to receive compensation. She contacted Amex and contested the charges they ruled to give her all the money back. I called my credit card processor. They told me there was nothing they could do. Now I have to go to small claims court. All I wanted was a chance to talk to someone at Amex. They claim to be for the small business on TV but they treated my firm as they are KING and I work for them. The client is Yonda ** of Stamford CT.

I have Blue Cash Everyday card. Where to start?! They don't report my payments to all 3 credit agencies. Somehow they charged my savings account instead of my checking. How did they get this info?! Weak lines of credit given to customers with 740+ credit scores! Their reps are overseas. Bring customer service back to America. I'm calling Department of Justice after January 20th 2017!

Hi, I am from the UK and recently transferred $1000.00 via Amex FXIP to Tinker Federal Credit Union, Oklahoma, into an account held there; I was purchasing some toys. Unfortunately, the whole thing was a scam and, although I tried to recall the payments as soon as I suspected something wasn't right, American Express has simply said that all they could do was ask the beneficiary 'the thief' for the money back; surprisingly, they said, "No." So no money back even though this is blatant fraud. I might as well sent the money via MoneyGram. As a consumer, I checked the company out as much as I could, sent the payment to an account where a name, address, and account no. had to be given and finally used AMEX as I believed I would be protected in the event of fraud. Surely this can not be right. Can anyone offer any advice? I think both AMEX and Tinker Federal have been negligent, even complicit, in accommodating such theft.

Back in 2011 I applied for 2 American Express Cards. I received them and never ran more than $50.00 up on either one never late on a payment. Then they just canceled the cards on me no explanation to why they did. So now in July 2016 applied again online for an American Express Card because they were offering 50,000 reward points if you spent a $1,000.00 within the first 3 months of receiving which I did. They gave me the 50,000 reward points and when I called in December 9, 2016 to redeem my points they told me I had on 26,178 points.

I have a long standing AmEx Platinum acct that I pay the balance on each month. I received a past due notice from AmEx by mail on a Blue Sky acct is not mine. Balance of $536.00. I have been calling cs and their fraud # for a month. Each time I call I get a different response, from "we will open an investigation" to "everything is alright on your account, don't worry". Most of the time I have a very difficult time understanding the cs rep, as they are Indian, and speak very rapidly.

Very poor customer service. I only spend 10k a month on my card for since 2009. Call in to customer service and will never get the same answer twice. I never carry a balance. The only reason I use them is for Starwood points. If you don't need that, I would suggest you take your business elsewhere. Very sad company.

I have a renewing payment on my Amex card that I wanted to stop. I called and spoke to someone that speaks 100 miles an hour in a soft squeaky voice that is impossible to understand. After several attempts to get the woman to slow down and enunciate so she could be understood, I was finally able to communicate that I wanted to cancel to renewing charge. She went into a "disclosure" rant that I had to stop after several minutes to ask who she is protecting, her customer or the merchant. She told me that if she was going to stop the renewing payment I'd have to listen to her disclosure.

I applied for & received an Amex Blue Cash card with a $10,000 limit. I took advantage of their balance transfer option and transferred balances of $2406 and $161 from other credit accounts to my new Amex account. When the transfer finally happened, I noticed I was charged twice for both transfers, making my balance over $5000 instead of half that which it was supposed to be. I immediately called Amex customer service. All of the customer service reps I spoke with were located outside the USA and I had difficulty understanding any of them (5 different reps). When I finally could speak to someone I could understand they assured me that Amex was aware of their mistakes and were in the process of fixing it. I was assured I would not be billed for their mistake, and that it would be removed. 3 weeks later and it still was not removed.

After calling and requesting assistance with a gift card order the rep states her computer isn't working and I need to be transferred. This is after 30 minutes of waiting. Third rep stated we can't place the order even if the second rep stated all info was received. We have spent 10s of thousands since we opened the account. I have now cancelled mine and another personal card. The rates are high and the rewards program is more of a gimmick. The cards benefits are also limited. The customer service was a joke. Many like AmEx have forgotten the individual customer and don't seem to care as they have such a large CC portfolio.

I need URGENT HELP - my story is similar to **. I also have 5 credit cards with American Express and they decided to do a financial review on my account after a higher than usual utilization. Fair enough, so I provided the documents needed and at first I did not pass as I put "extra" information that included what position I am in my Company.

My husband passed away on Feb 2, 2016. His company supplied him with an American Express gold business card. When he died he left hundreds of rewards on his card. His employer told me to take the rewards. I have been trying to claim these rewards since March of 2016. I have done everything that they have asked me to do including getting a legal affidavit. I have sent them all of the forms that they keep telling me that they require to give me access to the rewards 4 times. Every time I follow up on their receipt of the required forms they tell me that a document is missing. I have always sent all the same documents to them. How can they miss a different document each time? I have even sent them the Last Will And Testament that my husband and I have.

I have 2 Amex accounts. 1 that my husband is primary on and 1 that I am primary on. Both of these accts are WELL over 10 years old. Never an issue. But this is the 2nd time in the last year that I have tried to dispute a charge or use their buyer protection and they failed on both. ALSO I think that they have more internal fraud than any other bank/card does. I have had more fraud on my Amex cards than any other card that I own. This last ordeal was over $75 of a charge that the online retailer would not refund me unless I paid for shipping to return the damaged goods. Amex sided with the retailer and sent me back a generic dispute letter. At the VERY least Amex should have stepped in to cover the $20 or so it would cost me in shipping to return the item. But NOPE...not Amex. I will keep my account open for a while and end up doing away with both accounts in the future. Visa and Discover have excellent customer service.

I called AmEx to cancel my card after 29 years. The guy I talked to deducted the annual fee from my card, cancelled my card and sent me to the next guy. The next guy told me the annual fee was prorated and I owed 75.00. I had no problem with that at all and was ready to pay it. The second guy was not really interested in the keep me sales pitch because he knew I was leaving. I asked if my card was cancelled, he said yes. I asked for confirmation etc but he gave an explanation of why there was none, end of conversation.

On October 13, 2016 after 12HR work day, I made a mistake of running my American Express through my merchant services. Client of mine left me with the card and told me to charge him whenever I have time for it, so instead of using his Amex card by mistake I pulled mine out of the wallet. A week later I found out that my Amex cards being canceled. I called Kim from Financial Review Team who's been with the company since 1985, and was hoping to resolve this matter. She told me that I cannot use my American Express card through my merchant services. I was trying to explain to her that it was a simple mistake but she did not care and closed all my account with American Express.

I have had 4 American Express cards since 1989. I have over 100,000 reward points on the gold card alone. I called to redeem all my points toward a balance on one of the cards. Guess what?? The blue cash card works fine for actual cash, but the gold, platinum and green cards only work for gifts, dining and travel. Well I am 64 years old and going through cancer, so dining and travel are out. You would think that all of the baby boomers reaching our mid years would be courted by American Express. NOT. I am shredding all my cards except the blue cash. By the way, my Chase Sapphire card gives me HUGE rewards - all cash towards anything. Goodbye American Express.

Early this year I found out Costco was leaving American Express and going to Citibank Visa. I called American Express and canceled my account with zero balance. I then started receiving mail from Citibank. Since I didn't have an account with them I shredded any mail received from them. A few weeks ago I received mail from Costco, I was curious so I opened the envelope. Lo and behold, it was a letter stating that I owed Citibank over $100.00 for a Visa card!

I have been erroneously charged by U-haul for 10 toll violations during my 1 day rental. Unfortunately, disputing claims with U-haul did not work out - customer care does not care less about billing issues. U-haul failed to provide documentation of the evidence of 10 violations. I called customer care of American Express and told them that I have not authorized these toll charges. When I applied to American Express Gold Delta card, the benefits described 100% purchase protection. Unfortunately, this was not the case - they don't guarantee you anything. Read the terms and conditions before you sign up, as you can see from terms of conditions, there are so many stipulations for 100% purchase protection, that you will be ultimately responsible for the unauthorized billing plus interest on that:

When purchasing a flight on Delta airlines an ad at the bottom read $100 credit when you apply for a Delta Gold Skymiles Card. I was approved within minutes, but when I tried to purchase my flight through an email that said "use your credit card instantly, get number now!" my SS#, was not found. How is it not found when I just got approved?! Therefore, I was forced to wait for my card to arrive in the mail to purchase my flight. This took one week. When it arrived, I went back to the Delta site and the same ad was still there for "$100 credit" However, I did not need to click on the ad since I already had my card at this point so I just purchased my flight.

This is absurd... Grab some popcorn and read on because this will blow your mind. There's a formal AmEx "I-care" case number **. This issue today went to the Retention Department, with the Manager named Darryl **. After 8 hours on the phone in 5 separate calls, the last minutes I'll spend on this will be sending this as a fraud complaint (APR bait-and-switch) to the Attorney General of Massachusetts.

I was a customer since 2013 with a strong history of always paying my bills timely and in full for the most part. In this interest where it was the last straw, I made a total balance payment in full: (current transactions plus statement balance) 4 days before it was due. I did this in the past 2 months and do you know how they rewarded me for that? They charged me $15 in interest and despite my reaching out to their reps online and on the phone, they refused to remove the charges. Additionally, they wouldn't let me redeem my last $19 in rewards because of their $25 cap policy. Maybe I would have earned more rewards if they actually had programs worth spending on like BoA who has awesome cash rewards. This company is a scam. They treated me so poorly after my years of loyalty to them. Totally despicable, egregious, shameful.

I applied this for my International Trip. I confirmed with customer care before my start of trip. They confirmed me that credit balance is there, I can use it. However, as soon as I reached destination, I tried to pay to hotel bills. It was declined. I shocked and found helpless. I had no International SIM Card, so unable to call them. However, I paid it through my Forex Card. Then, later, I called them on international roaming. The idiot people gave me a good reason of decline that as it was my first transaction, so it was declined. Now you can try. Are they idiots? Any card will have its first transaction anyway. I will submit my this Card as it is as soon as I get back to my home country. AMERICAN EXPRESS Card is Worst. They don't have even Customer Service Email ID. What more worse can be happen.

Hilton Honors: I had applied for the credit card on 27th August 2016; on the site it says the card would be processed in maximum 10 working days. I have been waiting for 3 weeks now without any sort of decent response from the customer care team. Very disappointed!! Called Several Customer agents. ALL Lied about Expiating and finally about 5 Calls card arrived on Sept 18th. Amex PRG: Approved on Sept 2 - Wait Continues. Surprisingly this has been the case with all those cards which has Some Kind of Joining Bonuses. Just to try, I did change my email and the Letter from Amex arrived in 5 days prompt. Amex Customer care explains that USPS misses the Shipments in transit. Joke of the Year. NEVER EVER AMEX.

In 2013 we moved across country to Oregon. In 2014 we received a collections letter on our A/E account. We had to send all kinds of documents and file a police report. Had to prove we did not live in Tennessee at the time the charges were made etc . We were told yes it was fraud and everything was taken care of. In 2015 we were going to buy a house to retire in when we found out. A/E had listed the account as a bad debt charge off and really messed up our credit. We called to file another report and had to file another police report and start sending documents again. In Oct we moved back to TN and had not heard from American Express. We called and were told they had no record of our complaint.

I applied for this card when they were running a promotion for 40,000 bonus membership rewards points if you spend $3000 within your first 3 months. Well, that happened within the first week of having the card and the points were credited to me about 6 to 8 weeks afterwards. Mind you, although the American Express charge card lineup (Classic Green, Gold, Gold Premium rewards, Platinum, and Centurion (Black Card)) are all "no preset spending limit" cards, American Express still need to average out your monthly spending such that they know what to expect AND that you're good the money & can handle the card, as "no limit" which, apparently they determine over the first three months of card membership.

Despite having canceled this feature in the past, AMEX re-enabled the feature, without disclosure, into a newly issued card and charged $15.95 x 3 for three car rentals. Upon calling Customer dis-Service, they declined request to refund, even after explaining this was a new card and that I did not requested or accepted the Premium Car Insurance feature. Be aware of these add-on features designed to stick. I was surprised the so-called supervisor that came on the line was just as short-sighted as the original agent, and could not understand that getting $45 in fees from a customer that spends over $250k per year on 6 cards is just stupid business practice. AMEX is a great company on many aspects; this is just one of those stupid things companies do to piss-off customers that would otherwise talk positive about the great things they offer. Just be aware of this money making schemes...

They tried to take money out of my checking account without me knowing! Very dishonest! Customer service is rude and management does not know how things work at their own company! Beware of their shady business practices! STAY AWAY!

I have been a card carrying member since 1987, and while on the website in May 2016, I noticed that the AMEX Platinum card was offering 40,000 points if you spend $3000 in 3 months. I applied, was approved and received my American Express Platinum card on 5/1/16. Fast forward 3 months... I ended up spending $4400 (only had to spend $3000) in three months, but have yet to receive my 40,000.

I never had a issue with a dispute issue using my Serve Card. Now I do. I have to wait 45 stupid days on a internet company that I had only 4 days of service out of the month (AceWeb). I was told I would get my refund in 10 business days. I was lied to. I contact the internet provider but refused to answer but they sent me a bill saying my service will be cut off. This not right. I want my money now, not in 45 stupid days. I hate AmEx Serve. I'm going to go to Simple card instead.

I applied for the blue cash rewards card last week and after applying was approved. The website states that there is an intro rate on purchases of 0 percent for 12 months. That is the reason why I chose this card. When I received the card it stated my rate was 23 percent. Who in their right mind with good credit would pay 23 percent on anything!!! I called and they stated this was a "marketing error" and although they appreciate my concern they could not do anything about it at the moment and to check back in 7-14 business days!!! I got this card to pay my wife's hospital bills and would never have let this company pull my established credit for a 23 percent interest rate card!!! No one seems to give me a human answer even when I supply screenshots of the rates and fees states at americanexpress.com for this card. They just keep saying "I understand your concern".

Just had the best experience with calling in on my Platinum Card. Associate Jarvis, from North Carolina, handled my account extremely well. Now, I've had the worst experiences in the past and ranked amex at a 1 star. But after this experience, I'm extremely hopeful.

Well finally, I was able after 9 days get to speak with Dan who did help me with the mess of my account info going on my stepson's credit report, that should have been on my husband's credit report. I am not at all happy with customer service in the credit bureau dept. of American Express, everyone there seemed to be with the I can't do anything attitude, instead of trying to resolve the freaking problem, so with that rant over with. Thank you, Dan, for listening & caring & actually doing something to resolve the problem, let's see if it works. Not sure if I am going to keep this card or close account!

I had applied for the credit card on 4th August 2016; on the site it says the card would be processed in maximum 10 working days. I have been waiting for 3 weeks now without any sort of decent response from the customer care team. Very disappointed!!

Terrible company. American Express was the card to have. Now, they suck. We spent $40,000 in the first 2 months. They will not give us our mileage. It is impossible to speak to someone that speaks English. They deny your rewards. Do not use this company! Such a scam!

I bought a tv from new jersey thru american express and the seller never delivered my tv. No american express ruled in favor of a $500 restock fee. I was a card holder for 19 years. Today I canceled them and paid all honest charges but I will never pay the $500 beware of using am express. They will cheat you. Please take this serious. They don't protect us, they are in bed with big business.

American Express have become a joke! No wonder Costco kicked them out. Their customer service team, forget talking to them, they don't even speak English, yet understand English. You call them for something else, they twist the whole story around and say "Do you want to make a payment?" Really? Did I call you to tell you that I needed your assistance in scheduling my payments? I simply ask for a credit increase and what does making payments have to do with what I ask? They are so stupid and poorly trained. I closed down my Amex card during the same time Costco kicked them out. If I can give American Express an zero star, I would.

I have been an AMEX cash back card holder since 2002 (and a stockholder since 2012). I recently mailed a check payment from my local post office that took 16 days to travel 13 miles to the PO Box where payments are accepted. This obviously resulted in a late payment recorded on my account. With 1 phone call to customer service I was credited back the late fee, penalty interest and cash back rewards that were taken away due to a late payment. What service!

Today I just got a mail stating that I can check my eligibility criteria on the Amex website, I just went to the website with the link that was provided to me on the mail. I was surprised to see that a person who is earning more than 30,000 per month is not eligible for a gold credit card. I have called to the customer care and the executive stated that "we do not target those persons whose income is not more than 100,000 per month." This was ridiculous answers was given by the customer care representative. I mean to get a Amex gold credit card, I should a son of some big shot guys whose income is more than the Bill Gates earnings.

I applied for an American Express Cash Back Rewards card on June 13th of 2016. I received a confirmation email stating I was approved and that my card should be arriving in the mail within a few days. A few days go by and I never received my card. On June 17th, 2016 I called American Express and they told me they are having issues with the system and that in fact I am not approved and that my approval decision is still pending (although I got an email saying I was approved). Customer Service said they would call me back in a day or so with the decision. A day or two passes by and I never get a call from customer service. I call American Express back and they said yes I was ultimately approved and they will be sending my card out in the mail and I should be receiving it within a few days. Another few days pass by and I still have not yet to receive my card.

I am very pleased with customer service from Amex. I have been customer since 2012 and thank you for appreciating me as a customer. I am happy to be valued as a customer. I am having some issue and Anamika ** helped me out and resolve issue that I was concerned. Thank you Anamika for such a great customer service.

A new person was handling my call in customer service and did not answer at all every time that I asked her a question. There was only silence - I would wait 30 seconds each time and then I would ask if she was still there multiple times and it was obvious that she did not know at all what she was doing. It would have been better for her to be trained more appropriately before answering phone calls and she could have at least said something such as "Let me check on that for you" - instead there was complete silence.

I became an Amex Express Costco Card member in 2013 and during that time I lived in Central time zone and paid my bill after midnight on the date due which is the 6th of the month 3 times. I was informed by Amex that my payment was late in the Eastern time zone and was assessed a late fee... It was not late in the Central time zone!!! I charged approximately $40,000.00 on account since opening in 2013 and had paid it off several times. I guess that did not matter with Amex as to how good of a customer you really were and how much you were spending with them. Oct. 2015 Amex jacked my interest rate to 27% for 6mos punishment. January 2016 I paid off the account but they continued the high interest rate and refused to remove it...

FAKE PROMISES FROM AMERICAN EXPRESS CUSTOMER/ SALES EXECUTIVES. I have been using AMEX credit card for last 2 months and have been paying money also on time however I have been misguided by the sales and customer executive regarding the Bookmyshow Rs 1000 VOUCHER. Sales executive said very clearly to swipe the card, no need to register now; after you are done with 8 transactions you just call to customer care & you will be getting the Rs1000 voucher from Bookmyshow thru your register email. On 28 May I spoke with customer care. He said "Sir, do not worry in 1st week of June 2016 you will get your voucher." Then after I have been continuously calling customer care but nobody is ready to take a call & sad to say all look so helpless. Today, I spoke with customer care (manager). He said Bookmyshow has declined the request & trying to tell me policy. At the end I have feeling cheated by AMEX.

In early June 2016, I accepted American Express's offer for an account with zero % interest for 15 months. I requested a $3,000 balance transfer from my VISA card. They did the balance transfer, and ALSO CHARGED MY ACCOUNT TWO MORE TIMES for the SAME balance transfer (a total of $9,000 + $270 in transfer fees.) I made several calls, each time being assured the 2 extra charges would be removed within a few hours. Next day, the $9,270 charges were still on my account, and there was no credit remaining. I called again and was told it would take 6-8 weeks for them to conduct an investigation. I requested to speak to a supervisor. I told her that this is unacceptable and they need to correct my account ASAP. The supervisor provided no apologies, and said "We cannot just go in and fix it. We have to investigate this which takes 6-8 weeks. We will mark the extra ($6,000) charges as being disputed, and you will still have $6,000 in credit."