American Express Platinum Card Reviews

I tried to cancel this account after found out AMEX GOLD benefits are not good in comparison to my other cards. I called. The rep harassed me for 10 minutes and still did not cancel my account. I filed complaints and call them again. Hopefully this time my account will be closed.

American Express's credit card agreement, as stated on the second page of my statement, states that the company will not charge customer's interest if he or she pays off the "New Balance" by the due date each month (see page 2 of 9, "Paying Interest"). Despite what their contractual agreement states, they have charged me interest on several occasions when I have paid the balance in full. The most recent example occurred on my last billing statement. American Express sent me a bill reflecting a "New Balance" of $3634.06 due by 09/12/2014. By 09/11/2014, my total payments were $3911.31. When I received my recent statement on 09/18/2014, American Express charged me $32.82 in interest.

Purchased a Surface Pro 2 tablet, which is still under warranty. Multiple problems with tablet, returned it twice, received used tablets back as replacement products, still have problems 11 months later, tablet still under one year warranty. Amex closed my dispute account, did not even notify me. I had to call and follow up with Amex. Tablet is still experiencing problems, it is still under warranty, Amex won't give account credit. I own two companies, so in turn as a merchant, we no longer accept Amex as a method of payment. Amex will lose a lot of revenue from my company.

I have had the Amex Bluebird debit card for only one month and have experienced several times when a charge attempt is made they will decline even though the funds were available. After declining they will then place a hold on the funds and claim that the attempted charge was actually authorized. They hold these funds for up to six business days. No matter what you say to their customer service they insist the charge was authorized but if by some chance the merchant does not process the charge within six business days the funds will then be made available. This has now happened on five charge attempts. The first three I waited the six days and the funds were then reapplied to my account. The other two, as this correspondence, are still being held.

There was fraud on the card. Am eEx was EXCELLENT about resolving it. However, there was a BIG complicated confusion following this about how much I actually owed. Am ex said over $4k. I said impossible. Finally, after hours and hours on the phone with incompetent people, someone found a mistake and it was determined that I owed $1500 plus which I have been paying off. However, every time I make a payment, they still say I owe over $4K. I sent paperwork showing I do not, there is no response. I need to be able to reach someone who can resolve this once and for all. It is in their records somewhere.

Truly the WORST customer service of ANY credit card we deal with. Paying $450 for the Business Platinum is a total waste of money. You can get into a "few" airport clubs -- those that truly understand the program. The "grossly overhyped" program of buying 1 business or 1st class airline ticket & getting a companion ticket is misleading at best. In reality, you will save about 5% when compared to simply buying 2 tickets directly from the airline. The AMEX offer requires you to buy a fare level that does not even appear on airline websites.

We recently got our new AMEX platinum card. When we tried to use it for the first time, it rejected the transaction. On following up with the AMEX team, we were told that it was to prevent fraud. Then we were informed that we needed to confirm our identity. They verified my identity with 2 banks who approved me but AMEX said that they could not process the transactions. We have been following up with 5 people. The last one was supposedly the supervisor. But till date, we have no response from AMEX about the reason for not honoring the transaction.

My company was slow paying AMEX and Amex charged me repeated late charges amounting to a rate of higher than 22% of the outstanding balance. AMEX was unwilling to review the late charges and fees - telling me that I was late on payments and they did not consider my business valuable to them. Taking advantage of a contract with a corporate account to charge high rates to the seller and later to drive usury rate fees and fines to card users - is not a plan for long term success. Best wishes Amex - you've managed to add your customers to the ranks of those that are choosing other payment options.

Last year when I moved, AmEx mixed up my new address with another account - supposedly with a similar name. They even changed it in the "secure" online account. I wasn't receiving my monthly statements - a mess to sort out. Now AmEx is sending this wrong address to the Credit Bureaus - that I disputed and corrected. But AmEx is refusing to acknowledge and correct this, which they should do.

I simply entered the wrong credit card number when sending payment using BlueBird. I disputed it the same day thinking in 2014 if I caught the mistake immediately surely technology is such that I could get my money back within a week max. WHOAA!!! Was I wrong. I even spoke to a supervisor and was told that my claim was expedited and escalated. Then to my surprise I was told that it would take 10 days to even get a response or an update on the process and potentially 45 days to actually see my $ back in my account!!!!! WTF? AMEX, I thought you were better than that? Especially being that this is 2014... not 1945.

Second time, my card was compromised in two months. Replacement card promised today. UPS failed to deliver to my hotel. Customer service unhelpful after 45min. Fail!

One of my clients paid me very late which cause late payments to Amex. They actually called me at 1am in the morning in Sweden demanding I pay them some money on my account that was not past due. After being pressured to pay and telling them I was out of country and that I needed my card to pay my hotel bill, they cut me off. I'm a small business but they don't care. They have materially negatively affected my small business, and I am dead in the water and cannot continue until that card is live again. If I charged something for a client I usually have to wait 15-30 days to get paid. So this usually makes me late paying Amex. Can't help it. That is the nature of the beast. But I don't need to be threatened or pressured to pay a bill that is not overdue.

I'm here because my 9yr. old Insignia wouldn't turn on. However after seeing all these people I guess I've been lucky. I created an account to just address some of the entries I read. If it is possible I use AmEx when purchasing any electronics as they double your warranty plus stand behind their customers 100%!! Plus if you drop your purchase after you the store they replace it. + + +

Several months ago while on vacation, I missed paying my AMEX payment. For the last 10 years, I have paid the total amount every month. When I returned home (5 days later), I sent my payment in full. One month later, I received a letter from them stating that I was being placed into a system where I would be charged 23% interest on all purchases if I did not make payments on time for the next 3 months. I immediately called AMEX and was told that she could waive this procedure and that the system automatically sends these letters out. I told her that I preferred NOT to do business with companies that have such policies. I asked for my balance, cancelled my account and send them payment immediately. Very disappointing that a company would be send out such letters to good customers.

American Express has become a worthless card. I pay my bill in full every month. Never been late and have been a customer for 20 years. So how am I rewarded? I went over my limit by $132 and they sent a derogatory remark to all the major credit bureaus. $132, can you believe it? When I asked why they approved my charge if I was over my credit limit. Ready for this, they said they didn't want to embarrass me. So it's Ok to ruin my credit instead? What morons. I have not received my bill yet that shows I am over my credit limit so I am going online and paying my bill early.. I will also cancel my American Express card as soon as my check clears. When I told the agent with Amex that I was going to cancel my account, get this, they said they will have to report another derogatory report to the credit bureaus that I canceled my account because I was over my credit limit. What schmucks. Who would want to do business with a company like this. Visa and MasterCard gives much better value these days.

I first used my card April 1st to pay for a business membership. When I called to have help setting up my online account, I was told all my information was correct and I could change the information if I needed through the site. Then on Mother's day at 5:45 pm, I tried to make a purchase that was declined saying that my addresses didn't match. I tried again because everything was correct and it gets decline again for insufficient funds??? Then I receive a text from AMEX saying the first transaction was approved and the second declined. I called the next morning and was told my online account was not the main account that allows you to do changes so I set up the correct one and see that they never changed my address like I asked. My $102.95 is sitting pending for no reason seeing how it was decline and my merchant said the same.

It was over a year ago when I bought the American Express bluebird card. I used it a few times before I got my checking account as a means of protecting my money and never had a problem. Just recently I attempted to fund my card with check that was the sum of approx 8200. I had to do this by sending the check in but before I did I checked the rules to make sure that I was in complete compliance with the rules which said the check had to be written to me with the same exact name that was on my card which it was. So about a week after I sent the check in I get an email stating that the check was not accepting and no reason was listed under the reasons section, it just gave the phone number.

I cancelled an order from Amazon two months ago and I never received the refund to my card. I have called customer service on several occasions and spent hours on the phone disputing the matter and it has yet to be resolved. At first the representatives insisted that the funds had been returned but I knew they hadn't so I demanded that they add the transactions up by hand. After waiting on hold for over an hour while the customer service rep added everything up he too concluded that there was something wrong with my balance. He told me that these kind of things can take three to five business days to resolve and that he was going to send it to another department and instructed me to call back (?) in three to five days. The funds were not returned to my card and it has been a week since I called. I am reluctant to waste any more time on the phone. I am no longer a customer. AMERICAN EXPRESS, YOU OWE ME $33.71!

Clients during 7 years at American Express. I changed bank. So they could not proceed to payment. I paid the outstanding with my new bank account but in the meantime they failed to move my card account from my old bank to my new bank and they canceled my account and all my points! After 4 letters (middle age customer support without online support) I had no answers...Nor by email, by phone nor by postal letters...They deleted all my points I have accumulated without notice! They asked me to reopen an account online but their forms are bugged! I have spent at least 30 hours of my time the last 6 months to solve the issues. Complete hell!

American Express called me to advise of Fraudulent Activity in Jan 2014. Now April 2014 and still waiting for the amount to be cleared off my account that they admit was FRAUD. After 33 years this is the poor service you receive. Cancelled my card, over and out.

I received an email stating someone tried to use my AMEX for a transaction, but was denied. That's the only good news. Called AMEX and spoke with a female with terrible broken English (yes I said ENGLISH, PEOPLE!). I put up with her repeating questions for 20 minutes then asked for a supervisor. I wonder if customer service is now 3rd world!! Got ANOTHER female with slightly bad English, but tolerable. I told her I have been on the phone for OVER 30 minutes now! I get the usual reply "We are sorry for the inconvenience, blah, blah, blah". I asked if they knew what the shipping address was for the online transaction and they said because it didn't go through, they don't know. Come on, you HAVE to provide a shipping address for an online transaction! Anyway, now I have to wait a few days for a new card. Gee thanks AMEX!!

Having been a Proud customer of this Company for so many years and always walked tall with their card in my pocket, I asked today to increase my credit limit by $5000 as I like to get the Delta miles and it was a..... "We will send you a letter to explain it to you." BSSSSSSS. I wanted an answer now and after these many years of having spent umpteen Millions of $'sssss with them, some uneducated snot nosed individual tells me from a written script that these are the facts. Little wonder the American society of trust and honor has gone down to hell in a hand bucket.

I've been a member since 99 and have observed this company care less and less for its customers. I am now done with them. The straw that broke the camel's back was their refusal to accept a 12/31/13 purchase of a Delta Airline ticket towards my 2013 spend limit. Without that purchase, I missed the $60,000 spend mark and did not receive the benefit of MQMs. Are you kidding me! A customer who spends $60,000 or more annually and they refuse this purchase - guess they just don't care. I've cancelled my Delta Airlines Platinum card and will be canceling my sole remaining AmEx card at the end of this month. I'm done with American Express and will be very outspoken with my negative opinion of them.

I received my bill in the mail and I started to look at it and I noticed that my minimum payment was higher than normal. After further inspection, I realized that it was a double minimum payment and a late fee of $25. I found last month's bill, which I normally pay by phone, and realized I had no confirmation number on it so I knew I hadn't paid it. I must have just inadvertently put it on my paid pile without calling and paying. I quickly called the company thinking, I have been a customer since 1990 with never a missed or late payment, surely they will waive the fee and be understanding....just the opposite happened, not only would they not waive the fee, but they upped my APR from 12.99% to 27.24%!!! Could not believe it, didn't care that I had been a good customer with an excellent payment history.

I requested waiver of small ~$30 fees for 5-day late payment, was refused. Closed my account immediately, sent legitimate payment in full to Sr. VP, Tammy Weinbaum in Florida office, since I was refused by phone staff. Wrote to her twice, w/ my check included -- never any acknowledgment. Am Ex states no receipt of my payment -- insisted I stop payment & write new check. Would cost me extra $ to do so. Do not believe I need to cover for Sr. VP who refused to help, never mind acknowledge me. Am Ex stopped talking to me on phone, just listened & made no comments -- refused to help -- obviously "coded" my account. Continues to send me monthly statements with added interest and late fees. Also sent me letter stating they reported my "refusal" to pay to 4 credit reporting agencies.

I have to deal with their Credit Bureau Department. I can say that almost every representative there is RUDE. They promise to call back and never do that. When I call to check on my status, they say I have to call Customers Service. The Customers Service refers me to them again. I made those circles over and over again. Finally, when I gave up and just call them to cancel my dispute, I had to deal with freaking rude guy with an accent. He began to shout at me after I could not locate my credit report # online. He lost his patience after 30-40 sec of waiting. This was the last drop.

Reported a failure by American Express to report several monthly payments to the credit bureau. I was told I should check my credit report often for errors, and this situation would have been avoided if I had subscribed to American Express Secure program for only $14.99 a month. Also, if you pay off your balance before it is due, American Express will report a zero balance, and no payment, hurting your credit score, as if you had not used your card at all. They claim this is required by the credit bureaus to be reported this way, and you should make your complaint with them. I contacted the credit bureaus, who informed me that they report ALL payments made to them, and American Express chose to report non payments - this was not the credit bureau mistake, but American Express, and this was consistent with all credit bureaus.

As an Amex Express Platinum Card holder for over two years, we accumulated over 100,000 points successfully with full payments, signing bonus and a year of business. When we ran into financial difficulties, we enrolled in their payment program. BEWARE!!! You will lose your points if you enroll in this. They SCAM you into believing you'll be fine and can just "reinstate" your card. They assured me, with no less than three customer service agents that I would not lose my points. During the enrollment in the program, halfway through, we got a letter saying our card was cancelled. After calling customer service we were ASSURED that we would still have our points. We successfully completed the program, and call to "reinstate" our program. Long story short, after 4 letters, 7 calls we are told "Sorry your account was written off" and your points cancelled. SCAMMERS!!! And they are supposed to be for the "small business" person. NOT!

I've been an Amex cardholder for over 10 years. A few months ago, I received a letter that offered me a deal to sign up for the Platinum Card and receive 100,000 Membership Reward Points if I spent $3,000 within the first 90 days of using the Platinum Card. I called the number on the letter, spoke to a Customer Service rep who knew I was a current card member, confirmed multiple times that I would receive the promotion even if I had other cards then sent me to another department to cancel my existing Gold Card. I cancelled my Gold Card, signed up for the Platinum and waited for my 100,000 points.

Anyone considering getting a Platinum American Express Card for the cash back/vouchers please think again - it is all a big con. I am owed £100.00 (which should have been sent 3 weeks ago) and I am still waiting to receive it despite having sent no fewer than 4 complaints to American Express on the subject. Only now has it been escalated further which, according to their complaints procedure, can take up to a further 8 weeks with no guarantee of a satisfactory conclusion. If that isn't bad enough, I had promised the money to a local charity who buys Christmas gifts for unprivileged children. So 5 children had no Christmas present, thanks to American Express. I hope they feel proud.

I got a call from AmEx today saying they need me to submit a tax form called the 4506T in order to conduct a financial review and our credit cards (mine and my husband) will be put on hold. Here is the problem: On the December 21st, my husband decided he wanted to buy a Rolex at Tourneau NYC for 17k. Initially, we wanted to pay by Citicard (debit) but we couldn't get a hold of Citi rep (it's a large amount and Citi need us to authorize the charge over the phone) and we have a million things to do that day so we decided to use AmEx. Now, we never used AmEx for over 10k charge so we talked to AmEx rep and she said she needed us to prepaid them by Citibank... In the same time, Tourneau got Citi on the same line for us so we asked Citi to wire the money to AmEx. We didn't think fast enough to just have Citi taking care of it instead.

Was an employee for 5 years. Thought I was going to work for a 5-Star organization. Been in workforce for over 30 years with various companies/industries. I still sit back in amazement at level of red tape, disorganization, pompous attitude because of their brand. Seen other companies fail when they got into this mindset. The role I performed was nothing close to what I was told in interview process which started the experience off on a bad foot. Workload was just flat ridiculous and insane and saw so many employees working in middle of night to show they could get it ALL done. Constantly told lucky to have a job, HR Director flat out said the 40-hour workweek on salary no longer exists (Which results in many hours pro bono). Sad part is everyone talks about all of this behind boss' back but in person all is great. Totally brainwashed employees who one on one with peers are completely miserable. Funny thing is they tout work life balance with lip service. The worst job training I have ever experienced.

American Express Blue Sky is using Deceptive Business practice to lure consumers into using balance transfers and then charging them interest. I confirmed with two reps on the balance transfer and they confirmed zero promotion balance transfer. Now they are charging me a %17 interest rate on this promotion. Beware: American Express are using Deceptive Business Practice to lure consumers.

I've been on the line with Bluebird American Express numerous times starting 11/19/2013. Each phone call has been between ONE HOUR AND 53 MINUTES & 48 minutes. I sent two checks through their bill pay system to our electric company. One was in October and the other November. The total of those checks was nearly $2000. They removed the money from my account. However, one of the checks was sent back to me and the other never arrived. I disputed these checks 11/16 and was told they would be returned to my account within two days or I would hear from someone in the dispute team if there was a problem.

Late with payment due to company filing payment late electronically and other internal expense issues. Two $39 charges is outrageous. I spend thousands of dollars a year and will now only use this card as an as needed basis. I don't know what they make on transactions but it will hopefully be a bigger loss to them instead of waiving the $78 charges. There are other cards with reward programs I will be using from now on.

American Express suspended our account this past summer, 2013. We had their card, my husband and I, since 1991. They told me it was based on credit report. I apply in spring with American Express for a service through them for credit reports to be received on an ongoing basis. Must have tapped into it, and saw my report, and decided I guess, based on the report, we were too much of a risk for them to keep us. Payments, for the most part, were made on time. Expenses/finances have been harder for us because of this. Used to be able to put payments on Amex to defer payments to vendors/merchants. Now because we can't, have to use basically my cash debit card through our bank, which I noticed makes money a lot tighter. Really have to budget these days.

I don't like American Express. Sorry! It breeds spoiled consumers who believe they can charge back anything anywhere anytime because Amex has their "back". I've been a victim of this abuse. I worked a ecommerce project for a Botox doctor in New Jersey. Delivered the work. Then ONE year later, she decides to file a chargeback because she doesn't have the time to operate the site she had me build. I presented all the evidence to prove we delivered the work. It's actually still live today. Yet, without any hesitation or respect for people's work, Amex shoved this year old transaction down my throat. Ask me how many eshops I now build that take Amex?

I was told by 2 different agents that I would receive a companion ticket for the gold to platinum card upgrade within 6-8 weeks. When that did not happen, I called and the 3rd agent said they were both wrong and that I would get the ticket after the billing renewal date. When that did not happen, I called and got a 4th agent and his supervisor who said I would get the ticket 6-8 weeks after my card renews. After all was said and done, I had 4 different stories. Not one of them tried to honor the original agent's promise when I was sold the card even though they could go back and listen to the recorded conversations. Customer service is not about the customer but only about how to best benefit American Express. I have been a customer for a long time but no longer.

Twice in one month, someone stole two different credit cards and bought things from Walmart.com. My bank took care of the first theft with MasterCard and added $366.00 back to my account. The next one was Bluebird card by American Express and someone got away with $150.00 this time. Walmart or American Express are doing nothing about it and I'm told they will send me a form to fill out to see about getting my money back and that hasn't happened in over a week now. No answers and only BS from both companies about getting my money back!...

Customer service representatives come across as smug and there to help the company more than the customer (despite what their job title would imply). Working for a credit card company, they must deal with some very difficult calls (customers delinquent on payments, customers making frivolous disputes on payments, etc.). In my case, it took me several months to receive my card, making me ineligible to claim rewards for spending in the first months of card membership. I tried to claim some of these lost benefits, but when I inquired about this dispute, I got the distinct impression that the Amex assumed this was in some way my fault.

It is unusual these global days to get anything representing customer service. AmEx gets "platinum stars". While on vacation in the woods, I get a text that a transaction was made with my card. Within 2 minutes with 1 call an immediate answer by a human being, my card was frozen and no more charges were made. I found out some more information on the transaction which I shared with AmEx and they were more than courteous and promptly credited my account and issued me a new card. Great job. I wanted to share this as so many complaints are filed, including myself from time to time with less "customer friendly" companies.

My fiancé and I are planning for our wedding and I convinced him not to use his HSBC VISA card but make all the payments using my new Amex. Upon receiving my newly applied Amex card, I checked with customer service on procedures if I need to make purchase big ticket items for my wedding like ring & wedding banquet. Customer service Karpi explained that as long as I deposit the money at American Express I would be able to increase my credit limit immediately. I verified again if it is indeed instantly and the reply was if it’s via internet banking, it would take 3-4 days but if I were to deposit at any Amex locations, it would be instantly. I obliged to that since I have no credit history with Amex and not possible to increase the credit limit.

My company ordered 3 American Express gift cards totaling $3500 with $20.80 charge on August 16, 2013. These were to be presented to my employees at an awards dinner on August 20, 2013. My AE Platinum card was charged $3520.80 that day. The cards were to be sent UPS 2-day express. On Tuesday afternoon, not receiving the cards, I called American Express to track the cards .They transferred me to the "gift card division" and I explained that I had to have them in a couple of hours and could they track them. In tracking them, they told me they had been delivered. I stated I never got them and was home all day because I knew I had to sign for them and I needed them in a couple of hours. They said the cards come activated and so they cancelled all three cards while I was on the phone.

Sometime in early 2013, I applied for an American Express Gold SkyMiles card through Delta's website. I was immediately approved for the card; however, could not buy the ticket since I did not have a card number yet. I waited a week while flight prices went up each day. I called and their service rep said something was wrong with the system with these specific cards and they assured me I could get my card within a month. Could you imagine how much flights would go up in that time?

This company is always cheating customers. I applied for an American Express Premium Reward Card, which promised 50,000 bonus rewards, when you spend $1000 in 3 months. But they refused to give after 4 months, and with a reason that you have another similar card. However, I never received the bonus rewards for the previous card. What a cheating and disgusting company it is?

My card was cancelled by American Express, not for my payment history with them but my FICO score. I tried to discuss this with a customer service rep that I could not understand. Hence they canceled my card. A few months later I tried to redeem all my reward points only to find out that my 75 thousand points have been canceled without any notice to me verbally or in writing... I talked to an American customer service rep, who was very helpful, about the reward points and said she didn't blame me for being upset and to write a letter to the rewards department explaining what happened, along with the list of items I wanted to redeem and how many points each. I got a reply back a month later, a one liner: "As outlined in the terms and conditions your members reward account is automatically cancelled and all points are forfeited when your cards are cancelled." I will not stop trying to get the reward points that I worked so hard at traveling with my work. Is this the way you treat your customer of 15 years plus???????????? I want to know where else I can go to get what I have coming to me, and move on.

We have fallen on hard times (surgeries, furloughs, other bills) and despite me paying off 75% of my balance owed, I had my credit limit decreased. Not once DID I receive a letter or a phone call. Rather all I got was a pansy email after the action had been taken. I am utterly disgusted. I understand they are a financial institution that has to look out for themselves, but are they drones??? Can they not look into my history and the fact that I just put down 75% of my amount owed the moment I had some extra money? I feel like all my efforts at being a responsible adult are all for naught. I may as well as just paid the minimum due and taken that extra money and done something enjoyable like go on a cruise or resort vacation!

I have been a member with Amex since 1996. Four months ago I was on my PC, looking over my SPAM. I never do, usually just delete it but this day I went through it and saw an email from Walmart telling me when my order from them would be arriving. I had ordered nothing from them. Looking at the name and address, it wasn't even me... Well, playing investigator, I called Walmart headquarters, told them what store the purchase was made and the name used and address it was going to. They in turn, notified FEDEX and told them not to deliver the item to that house. They were very good and even canceled my account with them, so no further charges could be made. Then I looked up this address and it was a empty house which a realtor had for sale.

My family was on a cruise ship last week in Italy, and the cruise line said my AmEx card was declining charges. An expensive ship-to-shore call to Norma in Customer NO-service gave no help. I didn't get the 12 calls to my home phone or the 2 emails that never mentioned the problem - an underpayment of $168.00 on my last month’s bill. I'm not sure this is even correct. Lesson learned - travel with other cards just in case AmEx makes a mistake and drops you. So this is how they support members who travel.

I have had a platinum card since 1984. Judging by all the other complaints on your website, AmEx is going out of its way to alienate long term customers. Are they trying to get rid of all the baby-boomers and their best customers? They denied a charge which was more in keeping with all the large charges I used to make, started asking personal questions while I was in a private office making a large purchase, have suspended the card, and generally treated me rudely and disrespectfully. On the back of the current statement are references to further credit reviews. I caught them churning inquiries about my credit report a couple of years ago, which negatively affects your credit rating. A week later, all the inquiries disappeared! I will look for another card as doing business with AmEx is not worth the stress and aggravation. They also charged to pay off a point's advance and didn't adjust the points. I just noticed this and will have to dispute this issue.

I have been a loyal American Express Platinum member for 10 years, with a perfect payment history and perfect credit. This past year, about 95% of the time I "TRY" to use my card, Am Ex does not automatically approve my purchase. Instead, the merchant receives a Fraud Protection Alert and, simultaneously, I am sent an email notification of the same. I am so irritated, I want to scream. Each time the merchant and I have been delayed at LEAST 20 minutes while being forced to call Am Ex, only to push one button or another or be transferred or put on hold and then go through the entire process of being interrogated, identifying myself, having to give my mother's maiden name, etc., over the phone (out loud while in public). Talk about security issues!

For the last 6-9 months, I have received countless robocalls from American Express requesting a callback in order to check some charges. The person whose card they are calling about is my sister-in-law, who does not and has never lived here. I have tried several times to get this corrected by calling the number left on the phone, but the customer care department cannot seem to make this correction in their database.

I have an automatic payroll deposit which goes into this account once a month. This company flagged my account for "possible fraud" on the day that the deposit was supposed to be credited. They sent me an email at the end of the day on Friday, which I didn't receive until Saturday, telling me that I had to fax them my driver's license and Social Security card to have my account released, since it was frozen for possible fraud. I called them Saturday because I was unable to fax the requested documents over the weekend and asked what the reason for the hold was. I got no answer, just questions. Did I fax in the required documents? I asked where my direct deposit was and got no answer. I asked for a manager and was told they would call me back. That never happened. I was also told that a security code would be left on my phone and I could get that to release the account. That also never happened.

Amex operators have repeatedly disregarded my domestic partner status. They have provided inconsistent information on rates, fees, and have informed me that my account is up to date - then a few days later changed their tune. When my partner has called to make payments or supply information for their review team- they have been beyond rude and treated us like we are second class citizens. One operator said in particular that our relationship as domestic partners is something she doesn't agree with and refused to speak to my partner who is listed as the account manager. American Express is a company of inconsistent information, from customer service to their credit review, and its staff treats same-sex couples like second class people.

I have had an American Express card for 43 years. I'm not sure exactly when I got it, but have had a Platinum card for at least 30 years. In 43 years, I never ever missed making a payment. As of 60 days ago, I had close to 1,000,000 points in my account. Purely by a clerical error by an American Express employee, my account was cancelled. I repeat, a clerical error by an American Express employee.

On May 15, 2013, I found out that AE took all my earnings from work out of the bank, leaving me with $0.00 to live on. I received no notice until after the fact. I went to get my mother her medications, which was $5.00, and my bank card was declined. I do not even have an active card with AE. They have been after me since 2002. I was on a payment plan with them, but after 2 years, they wanted more money. I told them I couldn't, but they insisted. They filed a judgment on me, and now they are just taking everything I earn. I take care of my mother who also had a stroke. I only owed them $9,000, and they wanted $15,000. I am nobody, but they are a multi-million dollar company after poor people barely making it day by day.

I have been an American Express Green Card member for over 20 years. After charging hundreds of thousands of dollars on my card over the years, American Express has the gall to cancel my card because of incorrect information posted by one of the credit agencies. I should also note that I have never once been late/missed a payment. I am the "ideal" customer. I am also an executive in the customer service field and so I can tell you, this is about as bad as it gets - no courtesy call (i.e., we're going to put your account on hold until you can look into this), nothing - just cancelled. After 3 weeks, my credit report has been corrected and after several promises by AE that they would "get back to me", I have heard nothing from them. Nothing!

They reported me to credit bureaus for $40 overcharge. My first time to get a derogatory mark on my credit report. My score shoot down 40 points - no consideration after being with them for a long time! I could've paid the exceeding amount! I called them and they outsource their operators. I talked to one of the representatives after a long wait. When she can't answer the question I was asking, the line was cut busy tone! The worst customer service! I'll pay this credit card off and close this account! I'll gladly take the hit on my credit scores!

I've been a customer of American Express Business and have 3 other Amex cards since 2005. I've never been late on payments and am a great customer. We recently attempted to make a business purchase/transaction that looked suspicious to Amex. Instead of calling and asking about the transaction, they denied it. My husband had to call them to see what happened, and they then informed us that they've cancelled all of our cards/accounts. After 13 years of being an amazing customer. Wow. They wonder why we opened a Chase account!

I have been a gold cardholder since 1984. They started a reward program and I received points for my dollars spent until I had several hundred thousand points. I began to use a Visa predominately, but continued to use gold card and paid all fees thinking my points were preserved. Recently, I contacted AMEX to find out how many points I have so I can spend them on vacation. I found out that somewhere along the line, AMEX created another payment class called regular and my points were dumped.

I just want to warn all consumers who use American Express in association with Costco as their membership card. We have had a True Earnings Card for years and earned 3% back on gas, 2% on travel, and 1% on everything else. In February, my husband lost his card and American Express sent out another almost immediately. Wonderful. However, with the next statement, we were no longer True Earnings but the older version - Costco Cash Rebate Credit Card, earning a whopping .25% on every purchase. I have called American Express repeatedly since I noticed the mistake in early March where we earned like $1.50 for that month.

I have opted out over a year ago and don't even have an account with AmEx. I sent them over 5 letters to stop making soft inquires. What can I do?

After being an AmEx customer for 15 years, I received a form letter in the mail informing me that they had reduced my credit limit by 75% to the balance I currently had on the card. They effectively stopped me from using the card which was my primary business credit card, and they also ruined my mortgage loan application by negatively affecting my credit score. I contacted them simply to ask why they would make this decision and send me a note after it had been executed rather than having a conversation with me first. I have yet to hear from them, and my credit limit has not been restored.

I had an American Express credit card for seven years. I always paid on time. I had a medical emergency which ran my credit limit over $300 on vacation. I returned home to find out they canceled my card. I've been trying to fight it and AmEx won't work with me to fix my credit report. Thank God for Visa and Discover. Worst customer service I have ever had.

I was scammed unknowingly (of course) and called Amex that evening to see if a charge had been placed on my account. They said a charge of $9,000.36 was pending; it was not yet posted so I told them I had been scammed and if they would decline the charge. They responded that they could not. It would have to post first. Then I can dispute it. My first thought was how did a $9,000 charge get past their security department without being red flagged as it was unusual activity to say the least. I disputed the charge and sent in information to back up my claim of being scammed.

On Sunday, 2/17/13, I checked my credit limit because my dog needs surgery. I wanted to make sure I had enough funds to pay with my credit card without getting close to my limit. After listening to the automated account info, I realized they lowered my credit limit and $10 was all that was available. They deducted $7,000 from my credit limit and now it looks like I maxed out my card. This is going to be disastrous to my credit report. We called to find out what happened and they wanted to do an inquiry, which would further ruin my credit report. I've had this card for 6 years and I'm an excellent customer. I pay 3 times my minimum payment. Is this legal for them to do without notifying me?

We receive frequent phone calls and emails from American Express. Representatives tell us a bill is due when it's not actually due yet. Representatives lie regarding due dates and the amounts that are due. When I asked to speak with a supervisor, I got a different answer. Now, today, I received a phone call that a bill was past due, and it was current, and the account was in good standing. Amex used one account claiming it was past due, or order to get me on the phone to talk about another account. I was tricked and they said it was an error. But, Amex doesn't make mistakes like that. They said, "While I have you on the phone, let's review your other account."

At this point, I'm not sure what happened with my Amex account. It is a fairly new account, and my account balance is $0.00. I tried to make a purchase (maybe $300) and my purchase was declined by Amex about 3 weeks ago. I called in and was told my account was being reviewed for possible cancellation, and it did not state why & I was also advised to call back in 24 hours to find out the reason. Well, like I said, that was over 3 weeks ago, and whenever I call and key in my account #, they never ever answer. I have held on for over 30 minutes, and prior to this occurrence, I would get to speak to a representative in less than 2 minutes always.

We were a member of American Express since 2000, and we always paid our bills on time. We have all our records since 2008 and thought we were in good standing with them. But ever since my husband reached a certain age, they kept threatening to close the account. I'm just wondering if this has happened to anyone else. Has anyone else been discriminated against by American Express because of their age?

I was buying four tires for my wife's SUV at Macy's. It took 15 minutes to enter all the form data. I clicked ‘Make the Purchase’ and AmEx declined. Now we have FICO scores over 810 and never had a fraudulent transaction or missed a payment. What was Indian No-Service's explanation? "I have to protect AmEx by making sure it's really you." All other credit cards I carry confirm via phone or email after I make the purchase. Only AmEx decides my online transaction is way over the average and declines. He said my transaction is approved and just start over again. I tried to call and talk to supervisors and they just dropped the call when transferring me. I cancelled the account despite losing $143 in rewards dollars. Who needs such poor customer no-service, a poorly designed website, and unreadable statements!? Use another credit card company. Forget AmEx.

I got approved for AMEX Zync 14 months back. I actually called for Blue cash credit card, but the rep was trying to market Zync as it was new. He convinced me to get it by saying that it's upgradeable and I got approved. I used my AMEX to the fullest and paid all my bills. After I finished 14 months, I called regarding the upgrade but they couldn't as Zync is not upgradeable - even though credit is good enough. I tried to argue with them, spoke to an account manager and credit department many times, but they said they won't do it because they couldn't. Now I am left with the only option of reapplying the AMEX card I want or I deserve.

Negative billing option for Black Appointment Book and Black Diary - In 2010, American Express sent us 2 books for free. These appointment books were useless to anyone with a smartphone or other electronic calendar, so we threw them away. The next year, they continued to send them to us but began to charge - first $18 + $33 in 2011 and then $21 + $39 in 2012. We didn't notice the 2011 charge, but did catch the 2012 charge after throwing away the books. AMEX agreed to refund the 2012 charges and take us off their publishing list but is refusing to reverse the 2011 charges. This is called negative option billing, which is a legal scam. What a ripoff!

I sent them a full amount of my payment which was $18 but they charged the $35 late fee and then cancelled my account immediately and sent final bill of $53. Once I contacted, they said that my account is cancelled and the final bill will be sent. I never received any bills. After three months, I received another bill which has included three more late fees and the total goes to $158 followed by account cancellation and notice that the account is referred to debt collection. This looks like total scam and they have ruined my credit score. Please help and let me know what to do.

My Amex has accepted charges, accepted payments in advance, but when I request to "rescue" my cash back through "rewards dollars," the account has been frozen. It's time to be extremely concerned. Also, when you get to "rewards dollars," it induces you, rather than going through cash back to buy things from them. Needless to say that the same thing is by far cheaper at Amazon, etc. It is time to be extremely concerned.

I have had my AMEX Platinum business card for only one year. Everything had been great. Suddenly they canceled my card sighting that I violated my card agreement. When I questioned them about how I violated my card agreement, they suddenly changed their verbiage to I violated my merchant agreement. I do not have a merchant account with AMEX. After being tossed around from customer service rep from every place but America, my account is canceled and nothing I do will reinstate it. After reading many of the complaints, I realized last month I was one day late on my payment, a client was late getting payment to me but the bill has been paid in full every month. I have never paid anything over time.

I have been a perfect American Express platinum and Gold member for 35 years. I enjoyed the business rewards program where I purchased business class tickets abroad and more electronics than I would ever need. I have a perfect payment history and have never been late, sometimes paying in access of $50,000 a month. I downgraded from Platinum to Gold last year to add employees to my card as Gold made it easier and I could monitor and control their spending.

Let's see after about 1 hour on the phone with different representatives. At the end, it seems I could not get a hold of a supervisor at all! I just applied for the Blue Cash and heard it was a decent card. After two months of waiting and getting letters about additional information/confirmations needed, I was relieved that today it would all be taken care of. I was wrong! I had to play phone tag and be transferred to numerous individuals. One who shall not be named told me to call back. I refused as I had waited so long. If the service had been better, I might have overlooked the wait and the back and forth. However, service is by far the worst I've had in years! I asked to speak to a supervisor at the end, and again, I waited and finally got a hold of a supervisor who said she is not the one I need to speak to and transferred me. Again, I waited. Someone came on and after several " I cannot hear you," she hung up. I called back with more wait time.

American Express is an uncaring, unmoving, and lousy credit card company. We are in financial hardships and have been for 3 years but American Express will not work with us. All other credit card companies are willing to work with us to pay off our balances but not American Express. They are the worst credit card company out there. If I had to do it again, I would never request an American Express card nor would I ever recommend anyone getting one. American Express needs to update their rules and regulations to work with the economic times we are in today, not push their clients away by not understanding the situations we are in.

I opened an account for my small business in May 2012. They offered 12-month 0% interest rate. I noticed on the last statement that my offer expires in November 2012. This is not twelve months. I closed the account. Now, I must wait for someone to "open a case" to check whether an error was made. I am not prepared to pay off the balance this month! I do not recommend taking this offer for any small business owner. The company keeps sending me offers like this for twelve months at 0% interest every couple of months. I am using competitors cards for 18 months instead. American Express is not accepted by my business now either. If they cannot explain the difference between six months and twelve months and want to waste my time and patience setting up a case and calling me about it instead of just taking an RSVP number and resolving the problem over the phone, then what good are they?

An American Express business account of mine has been used recently for a number of items as I started a new business. They, however, have been very inflexible in maintaining my ability to use the card to continue my business. I will have to maintain the functions of my business without the use of their services, and I will, of course, eventually pay the account off. Yet I will now have to do so utilizing the services of other credit cards while the business goes on. However, something as simple as $30 monthly payment to AT&T to keep my iPad connected was disapproved and while the consequential damages are manageable, the inconvenience, and frankly the insensitivity to customer needs is glaring and unfortunate.

I have been an Amex customer for a couple decades. I have been a Rewards cardholder since '94. I have run hundreds of thousands of dollars through Amex. A few months ago, I had a balance remaining on the card. This happened at the same time that I experienced some financial hardships that made me late on several bills, including Amex. Well, the collection calls started immediately and vigorously. They also reduced my credit limit and closed the account. Hey, I don't have a problem with that, but they did allow one charge - the $125 for the renewal fee.

I received an invitation in the mail with an offer code. I called that number. The offer was 100k bonus points for spending 10k by June 1st which was approximately 8 weeks. Confirmed on phone, I called a month later and confirmed with their representative again and still no points! 2 months ago, they said they didn't see any promotion linked to my account at all. I got the runaround for last 2 months.

I tried to change my flight date with AMEX, only one way. They came up with nearly $600 changing fee. The whole ticket, 2 ways, was $800. Why would I pay an extra $600 just to change the date? "I'm sorry sir, this is our policy" the lady representative said. I made a quick research and on their own website I found a ticket one way costing $550 with tax. After 5 years of booking with them, all the trips, flights and everything, this is not customer care! They will learn more on this when they go down. Thank you economy, it's called what I'm talking about. You have to appreciate your customers. Thank you for doing business with us. I'm just one customer, but thank God because of the internet I can tell other millions on how this company is treating their clients. This is not the right way!

I rarely use this AE card. While I was traveling, I made a purchase on the card. American Express never sent me a bill (paper or electronic). I forgot about it and since I never received a bill, I did not pay the account. Eventually, they sent me an electronic notice that my account was delinquent and it had been suspended. I immediately paid it off and called them to investigate the problem. They agreed to reverse the late fees and write a letter to each of the credit agencies explaining that they reported the account as being delinquent in error. All was well, until 3 weeks later when I thought I would refinance my house. Now my credit score is off and I do not qualify for the refinance loan just because of the AE incident.

American Express has been hitting everyone I see. I have a new one though that I wonder if anyone else has encountered. I held an AMEX account for a time, in exceptional standing. Then in 2009, as the banks were panicking, I was a consumer victim of AMEX closing my account due to me not using my account regularly and not carrying a large enough balance. I admit that in 2009, when this occurred, I was surprised as I had never heard of a practice like this and then finding out my account was closed when I attempted to make a purchase at a store and the card was declined. It was well very upsetting and embarrassing. Committing to never use AMEX again for anything and sending all their trash mail pre-approved offers right back to them when I received them, my credit was hit by a point for the account closure. I got more upset, then eventually I got over it.

I have this card since 1989. I called regarding a balance and a payment and the young lady on the other side asked for 4 numbers in the front and 3 numbers on the back of the card as she will be sending me a new card. The next day, I went to do plans to go to Boston and I couldn't do anything because there was something wrong with the card. How can it be? I called yesterday and everything was fine. Then, I went to order some wine and the same thing happened. Something was wrong with my card again. The young lady had cancelled my card. I'm out of luck with my Boston trip and the wine. I spoke with Rose, ID # ** and Janice, ID # **. All they could say was they did not know why the young lady would do something like that and cancel the card. I couldn't have my old card number again and I can get a new card in a day. Do you wonder why people do not pay or do not want an AmEx card? It's a shame!

Car rental claim denial - I hold two Amex cards, one personal and one business. In Mexico, I’m a cardholder for decades. I had minor incident with a curb parking pullout. I followed all Amex conditions but was declined the CDW. The incident was $700.00 with loss of probably a lot less but it happened in Mexico. I was told by 3 reps it was covered. I submitted the claim, asked for the same docs twice. Sloppy weeks later, then just denied because I used the business card when I told them I had both. I complained as I received incorrect info. I was told by a rep Ms. ** would listen to recorded phone calls and would probably mitigate the claim in my favor. She never did or lied about it.

I received my first Green American Express Card in 1987. During most of the 1990's, I was a corporate consultant and traveled extensively. It was not unusual to have $5000 - $7000 monthly AE bills, and I would pay them off every month, usually on time, unless I was travelling and would pay them immediately upon returning. Remember this was the 1990's, and the internet was not what it is today.

American Express prepaid card did not adhere to their cardholder agreement. I filed a dispute for $113.57 in the beginning of June. I called in almost daily to seek a temporary credit while American Express completed their investigation for a charge that I clearly did not authorize. Finally, today, I went to look at my cardholder agreement after I still found no resolution or assistance from neither the prepaid department nor the dispute department. In my cardholder agreement, it specifically states that I am to receive a credit within 10 business days if American Express so decides to investigate my claim for up to 45 days which they supposedly are. I haven't received a credit and they won't assist me in any way, shape or form. They are horrible and what they're doing is violating their cardholder agreement.

I'm a new business owner (60 days) and applied for the AmEx Gold to help run my business. I used the card to pay vendors in advance for services when they requested it. Being a new business owner, it's not easy to get credit established, but I did get my AmEx Gold card so I figured I was fine. In the first 45 days, I've spent approximately $15,000 on my card and made a payment every 7-10 days to keep my balance down and never late.

Yesterday, at approximately 2 pm, I tried to order something off of Walmart's website. I put in all my information and they replied my charge on the AMEX card would not go through. I tried to do it again, but this time I was told to contact AMEX. I called them at 9 am this morning and was told that a number of charges were being investigated. One was for $40 and there’s another for $103.00 besides the Walmart charge of $360.00. I asked why I wasn't contacted when they have all my contact numbers. They said that these investigations were handled through their "fraud department.” I tried to speak with them to find out why, 6 days after the original charge they were concerned with, they still have not notified me of their concerns. It turns out their fraud department has been shipped off shore and they have no one left in the US to handle my issues. Why is this a problem? Well, remember I said I tried to order the online purchase at Walmart at 2 pm? It seems they are not able to handle those because it was too late in the day and they weren't available. I said, “2 pm is too late?” And I was told it is too late for them. How crazy is this? Anyhow, I am done!

I have been an American Express member since 1988. I have used the card to make purchases as high a $35,000.00. I have always put AMEX first. Whenever my cash flow slowed, I always paid them first as much a $9,000 at a clip to pay down balances. This was before I paid anyone else. I have been an excellent member, always loyal to them. When the recession hit, they were the only ones to start to lower my credit line, despite the fact that I was paying them more than I had to. I wanted to pay them down as much as I could to keep my credit through very difficult times. At that time, I had accumulated over 500,000 points. I was very upset at this because I had six of their cards and paid them all down or paid them off. I ultimately kept only three and kept them up to date, despite many offers from people to settle my unsecured debt.

I tried to use my 40,000 in reward points to book airline miles and the website was not working. I tried to call to book over the phone (talked to 9 different customer service reps and could not understand them due to strong Indian accents). Finally talked to someone I could understand and it was a $95 fee to book over the phone. I tried to cancel card and was disconnected twice. Long story short - don't pay $175 fee every year for a card that gives bad customer service. Never thought I would say this but American Express sucks. I've been a member for several years and like everyone else, they have sold out. Makes me sad!

My Costco card was expired. I forgot to renew, tried to use my AmEx, cancelled my card. I called AmEx, was informed to renew my Costco membership and they will activate my AmEx account. They lied. They said I was too late to renew. I still have my Costco activated. Advise me what to do with AmEx to get activated?

AMEX insisted I open an account with them, so I applied and got two approvals for two different cards. I started using them and about 6 months later, I got a letter saying my credit score has changed and that now I am a big risk, so my card was cancelled. I called to talk to someone about it and paid my balance in full. Since I had 2 cards, I asked them about the second one and they said that card is totally fine. So I am a big risk on one card, but totally fine on the other? What kind of mentality runs this business? Well the second card came with an annual membership fee, so I paid $99 to get the card activated and started using this one.

I had an AmEx green card up until July 2009. At that time, I had an obligation to pay an outstanding amount to the total of $325. In July of 2009, when I had to leave the US, I called up their customer service for amount reconciliation and the representative at AmEx informed me that all I need to pay is $200 and the balance will be settled and it will not account to me as outstanding and will not affect my credit history as well. When I returned to US three years after, and I applied for a credit card at a bank, it was declined. I called up credit rating bureau for credit report and they informed me that there is some amount outstanding at AmEx. Furthermore, I called AmEx where it was informed to me that the amount of $200 was received but it has still not been adjusted against my outstanding balance of $330 (approx) and that the whole amount of $325 is still due. Can anyone suggest how to reach their appeals, complaints and grievances department as I have not heard anything from them after two letters that I sent to them and more than four calls I made?

On 1/08/12, I made a purchase at Target in Westbury using my American Express card for a total amount of $14.27. When I received my American Express bill, I saw another purchase was made in addition to the $14.27 on the same day, 1/8/12, which totaled $39.31. My card has not been stolen and no one else used my card. I contacted American Express about this incident several times. On two different occasions, they said that they decided that I was held responsible for the charge of $39.31. I requested an itemized receipt for the charge of $39.31. They sent it to me and I noticed that both purchases were done on the same day, at the same time, at the same register. I brought this to American Express's attention and I told them that this should be a red flag. But they continue to find me at fault and responsible. I know that an error was made.

Like so many of the complainants, in 1981, I finally achieved Gold Card status, which in those days you could buy a third-world country with! I always thought that my AmEx was my back door to anywhere. As my kids grew up and wanted to travel, I got them a card; so that wherever they were in the world, they could go to the airport and fly home!

In 2006, we joined Christian Credit Counselors to consolidate our bills. In 2009, we finished paying off the last debt. American Express is reporting us as having been sent to collections and having paid the debt off after it was written off. This is untrue. We paid off the account per the terms of their debt management program. I almost lost my top secret clearance for the military because of this falsehood.

Within the last six months, AmEx has lowered the credit limit on all five of my accounts to a few dollars over the current balance. They have done this in spite of the fact that I have been an AmEx card holder since 1985 and never had a late payment. Their excuse is that they "think" (because of some crystal ball magic formula they use) that I have too much credit and therefore "might" be a risk. There is no evidence to back this assumption up. I never pay bills late, my income has consistently increased (not that it's any of their business), and I have an excellent credit history and score. Well, I had a better score until they lowered my line of credit which changed my debt-to-credit ratio and automatically lowered my score. Thanks for screwing my credit score, AmEx.

Late last year when I got my current job, I applied for a platinum upgrade to my corporate AMEX out of pocket. After going on a business trip, my company's expense portal was down and my account became past due. Rather than keeping my corporate and personal accounts separate, American Express charged my personal account eleven hundred dollars in an unauthorized credit transaction simply because my personal account was associated with my corporate AMEX in the very roundabout manner of my having made a lone membership payment from that account. My next steps, starting tomorrow, will be to contact my bank and determine (from their end) how precisely the transaction was authorized, request a hard block for American Express transactions on the account and file a hard copy affidavit with my credit union declaring the transaction unauthorized once I can verify that I wasn't on a fantastic cocktail of drugs. I'll also be contacting corporate.

I opened an American Express card. The Account was only open for one month. It was close prematurely because I did not charge as much as they wanted per month. I only use the card maybe three times per month and I always paid the entire balance. They were dissatisfied with my lack of spending and they closed the account and then did not send me a paper bill. They then put my account to collections which ruined my credit. I had called several times to get a copy of my bill and they insisted that I simply pay over the phone. Now, I have no account (I would've closed it anyway) and my credit is ruined all because of their policies and insensitivity to responsible citizens such as myself. I am totally disgusted and angry. Please let me know what I can do.

I have had my corporate Amex cards (platinum and green) for 2 different corporations for over 5 years. Amex unilaterally closed my accounts. My credit scores are 726+ and I did not have any delinquent/outstanding payments with them. When I contacted them to find out what transpired, I was told that my accounts were being closed because I had 8 inquiries in the past 30 days. I immediately was concerned that my identity was stolen! I signed up for credit bureau services and found out that I did not have 8 inquiries—in fact, I had zero! I called Amex again and was told to fax the pages from the credit report and that I would receive a letter. The letter I received told me that I was not eligible for reinstatement! It seems so unfair that they can close your accounts without any warning or real reason.

They refuse to pay the total rewards that are owed to me per the sign-up incentives, saying my account was 60 days past due, but my payment history shows it was paid every month.

We have been a client of AMEX since 2004 and have been in good standing with the company. Recently, we were sent a request for financial information so our account could be reviewed. We were a little bit late for the first time ever in February 2012, but paid March early after an agreement with AMEX.

I have two major complaints. American Express used to be a top notch company – not anymore. At 15 years as a Platinum member, paying every single bill on time – charging literally millions of dollars on two cards – the company systematically started hounding me every month as they dunned their great customers by all of a sudden putting limits on and calling 5 days before the balance was due to as if "we want to pay it early". This happened for a year – same crap every month – and stopped in 2011. I have no doubt that the company was in financial straits and decided that pissing off their best customers and killing the brand and good will was all worth it. I now spend much less on the card and after my immediate experience today, they can say goodbye to another $10-$20k per month.

I have been an American Express customer since 1981. I used my Platinum Card for all my travel, hotel and international travel. In January of 2012, my bank did not transfer funds as they were supposed to and my payment to AMX was returned. When I found that out, I called AMX and paid off the entire balance on the card. My way of saying I'm sorry. Within two weeks AMX canceled my card and I'm still fighting about the 60K-plus points I had. In a letter, they referenced the late payment and my credit report as the drivers for cancelation. I called them after checking my credit score on the 3 major companies and the average of the scores is 740. They lied. I talked to several people, all of whom said they couldn't help me reinstate the card. I could write corporate if I wanted to. Who needs AMX? After being a 30-year customer who paid his bill, they jumped on a bogus issue and cut me loose. Great customer service. Great corporate culture with vision and passion. Really, who needs them?

We have been Amex customers for 32 years, with personal Gold cards, Platinum business cards and an additional business card account. I have just spent my weekend figuring out complicated award travel options involving multiple companies and sites. After completing my calculations, I opted to transfer a large amount of Membership Rewards point (over 175K) to my SPG account, on the basis of an Amex bonus offer good through 3/31. The offer tab states that "Bonus Star points" will be reflected in the total number of star points transferred to the member's SPG account. Nowhere does it state that the usual ratio is 333 SPG points per thousand or that the bonus offer is already included in the calculation button, rather than at the point of transfer.

I was invited to American Express Gold due to having a 6-figure salary and a good credit score. I missed a payment one time with my mortgage due to family emergencies, and it was paid with a late fee. American Express used this as an excuse to close my account. Then they never informed me about taking my points and making them unusable. I earned in 6 months of being with them $350 worth of points for rewards. I called to use them. They told me "Once your account is closed by us, you lost your points." I was given the runaround. One rep told me to write a letter to a reward office that deals with redeeming my points. No phone number. It must be in writing was what they said at American Express. A lady told me it should be back in your account in 10 days.

I have had a Starwood-prefered American Express card since 2006. My limit on the card has been set at $10.000. My son has been using the card, and the balance was always paid. Last December 2011, my bill was $19,788. I nearly had a heart attack. I called American Express and asked to talk to a supervisor. A person named Anette ** called me and discussed my situation. She acknowledged there was a glitch in the system and that the $10.000 limit was not enforced. She had no word to say, except "I am sorry. I have no idea why this happened." I paid my part of $10.000 but feel that I am not responsible for the balance, even if my son incurred the purchases. The limit was $10.000.

I have an AmEx corporate card for about 15 years. The bills get paid without fail but occasionally there's a lag between AmEx statement closing date and the actual payment of the charges and that generates a late fee that American Express just harasses its customers with late fee after late fee. In the month of February 2012, three late fees of $39 were charged to my account which one local customer service rep was kind enough to remove one but it came back. The next rep said she'll take it off and then another late fee which they call a delinquency charge was charged. So to the person looking at this, it looks like they've given me a break two times but it's the same charge somehow in the end I have to pay. Frustrating that our company has our expenses tied to American Express because if it wasn't for it, I would never want to do business with them. I read about American Express being asked to return all late fees collected. I can't wait to see this happen. Fleecing the consumer. Customer service has changed since it has been outsourced. It's not American Express anymore.

I have been a centurion member (dummy) for 10 years to the tune of $25,000 as it costs $2,500 per year! What you are supposed to get is superior service and I can tell you it is less than superior. Once again, they have made mistakes on my vacations by not booking tickets as they did yesterday costing me $1,400 more plus the 4.5 hours wasted on the phone with them. Time and time again, they fail and then pass your call on to another unqualified phone operator in India! Please do not fall for the American Express scam that this card is valuable. I assure you it is not as the extra work and fees is the same for the Platinum card for $400. Save your money!

Victim of Fraud by Fake Company Tears of Bleu: I am a victim of fraud by a Nigerian con artist named Caius ** aka Kuwam **. He poses as a denim manufacturer under a brand called Tears of Bleu. He had a tradeshow booth at Project Las Vegas and I used my American Express card to place a very small order of $975 to test his denim. He had very little samples to show so I was weary, but his prices seemed reasonable so I gave him a chance. As con artists usually are, Caius ** was a good liar and sales person. When I got my AmEx bill, I saw that instead of charging my AmEx card $975, Tears of Bleu charged me $9,975. I was outraged, and when I called the merchant to complain, Caius admitted he made a mistake and he accidentally pressed 9 twice. I immediately opened a dispute with AmEx and cancelled my old card and asked for a new number. What makes matters worse, I was never shipped any merchandise. The merchant actually made up fake receipts, fake shipping docs and purchase orders and used that as proof of the charge and AmEx actually accepted that as proof of charging $9,975. Beware of this scam and con artist. I’ve got nothing but the run-around from AmEx, and I am still disputing it with their fraud department in India. I agree with all of the posts on this site, AmEx has the absolute worst customer service and there is no fraud protection. They actually told me since I willingly gave my credit card number to the merchant, they don’t consider it fraud.

I have been an American Express customer since 2009. I always pay my bill in full each month. Two months ago, due to things being busy, I paid my bill in full one day late. As a result, I was charged a $35.00 late fee and a $8.69 finance charge on my next bill. I called and asked about having them reversed as a courtesy due to how I am rarely late and I always pay in full. I was told that due to how they reversed charges for me in June 2011, that they would not reverse charges for me now, 2/2012, eight months later.

I have been a member and cardholder of the American express Platinum card since 2000 and up until last night, I felt like I needed no other credit card and that I could rest all my eggs in American express's basket. I was wrong. Oh, so very wrong. The trouble started in November 2011. Each time I would receive my statement, I could guarantee that a call would follow within several days regarding the payment of my bill. At which point, the representative would begin to read from the same script that I was becoming so accustomed to; something along the lines of: 'Mr. **, we are calling today to inquire about your American Express Platinum card. It seems as though this month's spending is higher than normal, and as a precaution, we would like to request that you make a payment in full today in order to resume charges, if not, until your "outstanding balance" is paid in full, American Express will unfortunately be unable to authorize anymore charges. Also, sir, please remember that your American Express card is a "charge" card not a "credit" card..."

I made a plan to go overseas with my son and my wife on December 25, 2012, and I have over 8,0000 points on my platinum card. I asked for 3 return tickets for us, and I told American Express travel agent that I would return with my wife only. Since they heard that we would return back without my son, I was told it's illegal! They said I was not allowed to buy tickets from them, because it's illegal that I leave my son overseas- such a ridiculous reason.

I have had an American Express card since the mid 1980s. I have always paid my bill in full each month, without fail. 2011 was a tough year for me financially. I had maintained a 775-810 credit score for years and for the first time in my life, I was struggling to make ends meet. In early summer, I received a $5,000 monthly statement from Amex. I could only send $1,000, so I did, and proceeded to contact them. I explained to them that I would pay the balance in full asap and would not use the card any further until it was paid in full.

I have been an American Express cardholder since 1973. Like any young man, I started with the regular green card, moved up to the gold card in middle age, and finally upgraded to the platinum card 5 or 6 years ago. The annual platinum fee of $450 seemed small after listening to the advertised promises of automatic hotel upgrades, free companion tickets on business class flights and superb American Express travel services. Then, of course, there was the prestige factor. As a practical man, I hate to admit that I enjoyed flashing my platinum card.

I have been with American Express, card member from 2006. I have always paid my account. on time and have never been late. I chose to pay off my account to not have to pay interest and keep my credit in good standing. I paid the balance and the residual interest that was tagged on to the balance. The day I paid everything, Jan. 28th 2012, they canceled my card.

I have many times contacted you and no out come. I paid of my American Express bill and over paid and I am trying to get a refund. It was a few years ago but I have many times contacted in writing and a few phone calls asking for a statement. I know for a back I am owed at least $500. I need you to contact me as soon as possible.

Amex charges $75 a year for their reward point program. I was late by 1-day to make a full payment on my card. I called to have the points reinstated as a courtesy. Amex rep told me that they did this one time in 2008 (4 years ago) and they cannot do this again.

I live in New Mexico. I went to my mailbox today and I received a letter from and unknown address in Boca Raton FL. I opened the letter to find a duplicate copy of my American Express statement. Along with the statement was a form letter from American Express stating that my "requested" statement copies were enclosed. Also that my account "as been billed for the service..."Thank you again for your business". The letter was addressed to an address in Massachusetts. The gentleman that sent the the statement to me from Boca Raton FL. The gentleman sent a note with my statement "Dear John, I received this statement in a separate AmeX envelope. I am a platinum member... "

A word of warning for those of you that are excited about the option to transfer point to Aeroplan/Air Canada. I have been a long time card user and just transferred the advertised 60,000 Amex Rewards point to Aeroplan. Nowhere did it suggest that the taxes/fees that Aeroplan charges are any different than what Delta or other airlines charge.

I was unable to pay my American Express account for 180 days due to financial hardship. I sold my house in order to pay, and they received the money 11/21/2011. They reported it to the credit bureaus in December 2011 as a collection account with 0 dollars due. This strikes me as heartless and unfair. There was nothing reported until after I paid.

I requested that Amex transfer 200,000 points to JetBlue from the business I work with. I was authorized to take these points from the business. They "accidentally hit the button twice" and transferred 400,000 points. The points were used to book travel for myself and my family. Amex treated me like a customer they had little regard for. They should have returned the points they stole from the business.

They said card can be used any place they accept AMEX but when I tried, it was declined. Then I called customer service and said it would work, again it was declined. I called again to find I was still charged for transactions that did not go through. I wanted the invalid charges lifted and was told they had to speak to the merchant first. I finally got them to talk to the merchant and they still would not give back the money. I called the next day and no one would speak to me. I called the corporate office and no one would speak to me. I urge all the folks that I have seen online with same issues to file a complaint with BBB in New York. Don't let them get away with this scam.

I have applied for an AmEx card, and I was following the AmEx customer care, regarding the status from 30-Jan-2011, till 3-Jan-2012, and stopped following them as I felt it is useless to spend time with them. I was told that the card is booked with Blue Dart on December 29, 2011, and a tracking number was provided (43818702701). I could not track the parcel in the Blue Dart website, and even Blue Dart customer care could not help in tracking.

I would give them no stars if I could! I opened both a Costco ($8500 limit) and a Blue Cash AmEx card ($25000 limit) earlier in the year. I didn't really use them until December. I spent about $3000 on one and about $6000 on the other one the day after Thanksgiving.

I get it, too. Nothing makes me madder than when a flight is cancelled or delayed and I call Amex for help, and am told "I'm sorry, you booked that online (amex.com); I can't help you." Can someone explain why I pay the Platinum fee for this service? I recently got the Ritz Carlton Visa Signature. When I call the concierge, I get a human, not a menu prompt. They call me by name and fix the problem.

I have been a member of AmEx for over 10 years. I have always paid my dues in full at the end of each month. Although I made all necessary payment arrangements online, I was told that I need to tell them why I am late. This was the most embarrassing phone call made, while I was in public. That is so rude! I want to cancel my card! Why allow online payment arrangements, if they want to call you, and talk down to you? Maybe AmEx should join the Mafia!

I called AmEx to cancel my card of 32 years today. I explained I was finding mistakes like double billing, interest being charged, and currency exchange fees. When they said because my home now is in Costa Rica, there would be no charge. The final straw was a notice that I was paying late and they would report this to the credit bureau. I do not pay late! I also had some damaged goods in shipping that AmEx said they would pay but never did. I don't know what has changed with AmEx. I talked with a supervisor that said no problem we will cancel your card today. No response to the issues of being charged twice for an item, or any of the other problems. I also was not given the choice of redeeming my points. It simply did not make any difference to Mr. R. I felt like I had lost a long time friend.

I live in Tokyo around 200 days per year. I was ready to make a large purchase for a Christmas present, so I went to the AmEx website to key in the amount, and got approval. When I went to the store to purchase the gift, it was denied as part of fraud prevention. I called the number at the back of the card, and was told I would have to talk to the "financial review" department, but I was told they were not open. I would have to call back during normal business hours. **?

If possible, I would put no star, instead of 1 star. This incident is about the membership rewards. At this point, after wasting hours of my time, endless phone calls, being transferred to various different departments, I am absolutely appalled by the lack of professionalism, integrity, customer service and human decency of American Express. I have never in my life experienced this type of round and round treatment from a credit card company, especially one who prides itself on customer service.

Horrible. This letter is in regards to my canceled American Express Account card ending in **. At this point, after wasting hours of my own time, endless phone calls, being transferred to various different departments (and no dept. being on the same page), I am thankful that this account is closed. With that said, I am absolutely appalled by the lack of professionalism, integrity, customer service and human decency during my short time with American Express. I have never in my life experienced this type of round and round treatment from a credit card company especially one who prides itself on customer service.

I have a problem with American Express as one of their elite 'black card' customers paying over $2,000 a year just for the privilege and a member for over 10 years. I find their customer service offensive relating to a recent issue. After being alerted by Amex that my account privacy may have been infringed, I was being passed around their customer service team which cared little about the issue above. I was told to email an address called spoof@americanexpress.com. When I asked what resolution that provides, all I got is someone will look into it. That’s ridiculous! How can I trust Amex with a serious problem when one is asked to send emails to a nameless email? Who knows who reads this?

Prior to cancelling my account, I redeemed my remaining points which totaled approximately 68,000. I ordered some gift cards which I received promptly. I ordered a coffee maker and coffee which I also received promptly. I also ordered a Bissel sweep and steamer. The first one I received was missing parts and appeared used. I returned it and after approximately a month, I was shipped a replacement. The replacement box had such a foul odor (like a dead animal) that I could not bring it into my home and immediately, called UPS and refused the delivery.

On Saturday, November 26, 2011, I used my American Express card at a local business in Charlestown, RI (Simple Pleasures), in conjunction with the promotion Small Business Saturday. I was under the impression that I would receive a $25.00 credit on my American Express account, when using my card for purchases at participating businesses. However, when I went online to register to receive my $25.00 credit, I was disappointed. First, the site was extremely difficult to navigate.

I signed up for a 75000 point promotion with American Express. I went through the terms on the phone with a very helpful customer service rep in early September, several days prior to the promotion expiration. A couple months later, I called to inquire why I didn't see any points posted, other than my purchases. I had spent several thousand dollars for each of the first two months, well above the minimum required for the promotion. The first time I called, the customer service manager (Keesha) told me that I was not approved in time. The promotion supposedly stated that approval had to occur by 9/6 and I was not approved until 9/7 that was her story at least.

My husband and I both hold AmEx Platinum cards and my husband has a Delta Skymiles Platinum card. I applied and paid the upgrade fee for a Delta Skymiles card to receive 5,000 Delta MQM's and AmEx will not grant them. Despite several calls, they will not grant this simple gesture that we have earned.

I am in the process of a debt settlement program due to family hardship. I paid Amex $2,000 in July 2011. Then in August 2011, I paid them $600. I had financial and family hardship and contacted a very reputable debt settlement company. I wanted to make sure that the few credit card companies that I had complied with this program. The company told me I could file for bankruptcy, but this is not the way I was brought up. Unfortunately, I got myself in this situation, and I want to pay all the companies back, but I am just going to need a little more time.

With this AMEX collection group, Zwicker & Associates, we have had an excellent pay off plan in place for more than 3 years. We paid off a green card entirely, and at $432 per month, have diligently reduced a $25,800 debit to $14,800. In September and October 2011, we missed two payments. Our father was severely ill from a stroke in June and died Nov. 2, having been in need of care all summer, and finances were impacted. Zwicker never once called or wrote about the missed payments. But, on Nov. 1, a sheriff appeared at our door with a Garnishment Summons and notice for a hearing on Jan. 6, 2012. Then, on Nov. 11, without notice, Zwicker, who was authorized to debit our bank account monthly for $432, attempted to debit the account $16,348.21. The possible list of complaints includes the following:

I tried their book and return the book to them. The American Express charged me $36.87 on May 20, 2011, but until now the credit still not show on my credit card yet. I have called them more than 10 times, cook and food said it's been credit on 5/27/11, and said they will inspect it and give me answer back on three days. I never receive call from them and still not get money back yet.

I will never use American Express again. I usually have the option to use their corporate card or my own cards. I've signed up for their rewards program several times and each time, I do not receive all of the rewards. I've stayed in hotels over the last 10 years and probably racked up over $200K in charges and they still try to nickel and dime me so as to not let me cash in on my full points.

Do not use American Express (AX) rewards for hotels! If you have to cancel, it is a real mess. I used approximately 100,000 points for 3 hotel reservations. I canceled one to rebook another, approximately still same points. The card is "charged" for hotel and shows as AXT, then there is immediately a "credit" from rewards "for the use of the points" in the same amount as the hotel charge. Apparently this can be done 4 times on your card and if you cancel, you get the money back from the hotel and are charged to put the point's credit back into your account.

In June 2011, I attempted to redeem my "Free Travel Companion Certificate" for a flight in March 2012 (nine months in advance to flying). I was advised that no seats were available. I have only been able to use this "Free Travel Companion Certificate" once out of three years. How far in advance of flying does one need to make reservations in order to use this "benefit" of the costly Platinum Card?

Do not open any American Express card! Warning! I had closed my account and cut up my card. For the last 3 months, I have asked for my own account number. I can give them my social security number and mother's maiden name but they will not give me my account number.

I upgraded my gold to platinum. I am sorry I did. They promised me airline vouchers, which never happened. They promised airline pres club membership, which did not happen. I guess I just wasted hundreds of dollars this year. I will cancel prior to next.

On 08/21/11, American Express charged me a payment late fee, but I paid on time. The late fee is not warranted.

I carried a balance of $1,500 on Amex charged from December 2010 and I made payments of $300-350 until March 2011. AMEX contacted me and I set up a payment plan explaining that I had been unemployed for a year and could not pay full balance at the time.

American Express called on my cell phone and left a message to call them. I called back, no answer. I then spoke to someone else at American Express and started to ask me if I am employed, where the company I work for is and what is my annual income SS number. They then told me my account is under review with no explanation why. They asked me to fax them a 4056-T form within 5 days. They also put a hold on my credit card without even telling me.

Wow! How impressive to waste the comptroller's time for two hours to verify a card in possession, and charge valid for the traveling representative.

Simply stated, I made an overpayment to AMEX and requested it be returned. No problem I was told.

I had a harassing phone call and they filed suit against me because the Legal Helpers Debt Resolution allowed them to. I had to file a Chapter 7, which has caused me a lot of pain.

The credit card bill has not worked. Congress left open too long a space before it was operational, and American Express took advantage of it and punished its customers. American Express increased my rates twice during 2009 for no reason other than it could before the bill became law. I called, closed the account before the increase, but they said they still had the right to increase even on a closed account and continue to this day charging the higher interest. I was never late in payment, never went over limit, and always paid more than the minimum. No, the credit card law does not work since Congress left too long a period for it to become operational, and American Express took advantage of it raising my rate from 10% after I closed it to 14% and now to 15.4%.

They removed my flex option retroactively, without properly informing me of this action. They said it is their right to do so whenever they decide to do so. Also, they took out from my bank account the full amount due without my permission. I agreed to pay the minimum amount, but they decided to take out the full amount with auto-pay. Never again will I use nor accept AE in my businesses.

Refuse to answer questions regarding their request for highly sensitive personal information.

My card was cancelled with no change to my credit history with the exception of the purchase of a KIA Forte because of gas prices. My net is over $11,000 a month, I made all my payments on time. I work 160 mile away from home, so I have a high monthly payment from $2,200 to $3,700, which I always paid. As a disabled veteran of 26 years, a master's degree holder in accounting and an auditor, I am responsible and have been to AM, with no respect back.

I had a blue American Express card for many years. It was never a problem, I always paid on time. Then I decided to open my own business. I applied for and got Plum Card for businesses, Gold Card for businesses. I’ve never used the Plum Card, used the gold card twice and of course paid as I was supposed to. I might add that my credit score has been in the high 700's, which is excellent. Out of nowhere in late March 2011, American Express suspended all three of my cards with instructions that I call them!. Of course I called assuming that someone has stolen my identity. Lo and behold, that was not it! Out of nowhere American Express decided that they needed to review my finances. They wanted me to fill out a request form that they could send to IRS and request up to five years of my tax returns! I was certainly not going to do that and told them, "This is ridiculous.” They then proceeded to advise me that they can and would cancel all my cards and this would have an adverse affect on my credit history.

I disputed a charge to Horizon Direct LLC, who are drop shippers and makes websites to drop ship their products, but I have a feeling they are of low caliber and can not be trusted. They started out by charging me $178.00 for a 300-product website. They made a written guarantee that if I don't make any profit within 6 months, they will be refunding the $178.00 I paid them.

I have been a loyal member with Amex since 1989. Last year without any warning or any notice, they decided to cancel my account. I have an impeccable credit rating and I have had a good history with Amex. Thus, there was no reason whatsoever for them to cancel my account. This is an outrage for what appears to be now a common practice for Amex to close their client's accounts for no apparent reason. This is not fair for us and it is a matter that needs to investigated and brought forward to litigation.

On 3/10/11, a customer representative called me for a payment on my account. I advised her that I would make two payments. Instead of waiting for me to make the payment, American Express made an unauthorized bank withdrawal of $2000 from my checking account.

Why are credit card companies allowed to randomly sabotage peoples' credit and exacerbate credit problems unabated? We have been with AMEX since 2001 and have on many occasions paid off the card to the tune of several thousand dollars most recently in December of 2010. In the course of three months, we have paid them $13,474.00 (never being late) and we are rewarded by them dropping our credit line by over $11,000. When I called them to discuss the matter, I was told it was based on other factors outside of our dealings with them.

I received an Am Ex gift card and used it while in Florida, on January 28th, prior to leaving Florida that night. I used the card in Seattle two days later and was denied as not enough on card. I got information and saw the charge duplicated on January 31st in Florida. I contacted the merchant and the only way charge could occur was if the card was swiped; Am Ex confirmed but would do nothing.

I am an attorney and have a client who was harmed by American Express. I am looking for other persons who reported to American Express that their card had been used without their permission. In my case, AE sued and claimed that my client had never reported the theft of the card. That claim by AE was easily proven false. Anyone else have similar experiences?

The company sent me an offer for a Green card in the mail with a RSVP code. I responded to the offer online and read the terms and conditions on the form on the internet that I had to fill out after inputting the RSVP code on their website. It specifically mentioned that the first year fee would be waived, however, they charge me the $95 annual fee and when I disputed it, they said that I would have to cancel the card in order to avoid paying the fee since it mentioned the annual fee in the offer in the mail. This has affected my credit score and also, I have bought an international air ticket through this card which, if I need cancelled or changed, will be a problem since I don't have this card anymore.

After 21 years of being an AMEX card member in good standing and reaching a credit limit of $20,000, I received an email yesterday which lowered my credit limit down to under $4,000. When I contacted them, they were not interested but offered me the opportunity to submit my pay stubs and account statements for their consideration. This is totally an unacceptable customer service on their part and I'm going to pay off and close my account with them in the near future. If you are thinking about getting an American Express card, do not!

I recently hired a window cleaning service to come to a property to clean the windows. I was working on a photo shoot, and the windows were very dirty. When the crew arrived, they increased the cost significantly over what I had discussed on the telephone. The charge was supposed to be $420. Resigned, I gave them my American Express number, and they charged my card twice. Once for $435, and once for $535. I have one invoice from them for $420. They never said that they would be charging my card twice, in fact, they told me that they would credit my account.

I recently called customer service as I had question regarding my billing statement. The cash back rewards details on my statement was really confusing and I wanted to make things clear. The person who answered my call was very rude (He said his name was Andrew in Toronto). First, he interrupted me three times. Whenever I tried to explain my question, he would interrupted me and start making comments which didn't make any sense.

I recently closed my AmEx Blue account because the company moved my entire balance of $9,800 from the purchase interest rate of 12.54% to the cash advance interest rate of 25%. I have been complaining to them for over a year now. My last cash advance was over 10 years ago and my cash advance limit is only $200. For the last 10 years, I have never taken out a cash advance. You would think that 10-year old transactions would be paid off by now. AmEx keeps sending me letters saying they only keep records for seven years so they can't verify if I took out a $9,000 cash advance. How? With only a $200 limit.

When visiting Tokyo, my husband opened a tab at a restaurant. When he first handed his credit card (Visa) to the merchant, they came back and said they couldn't properly swipe that card and they would need a different one. He handed them his Amex. He closed his tab a short time later and was handed 2 receipts both for $787. He was told they were his 2 copies. He thanked them and went on his way.

They are mean and they violate any and all FDCA that have been written. I have been with Amex for 12 years and always paid on time. I was never once 30 days late in my history. Due to the economy and lack of jobs, I have been working 12 or more hours a day on commission basis, with my first check to come to me in 10 or so days. The clown from Amex told me and other people that, "You don't want to help yourself." I spend less than $10.00 a week for the food I eat is my two hours a day. Instead of cash I get paid in food.

In 2008-2009, I had a small business in St. Thomas, VI. I have over $3000 in charges approved by AMEX that they refused to pay. My processor TXDirect and myself have tried to get payment and cannot. Per my processor, I am not the only business they have done this to. They have stolen from me, as I trusted that because I had approval codes, signed tickets, and let my merchandise go out my door I would be paid. I even thought that me holding out paying my AMEX bill would make someone in their organization listen to me and they would pay me so that I could pay them.

American Express has an elitist mentality that shows through their customer service. They seemingly operate just like any other credit card company but they portray themselves as elite, and they try to attract customers that find the elitism appealing. I myself opened up accounts-- both credit and charge cards--- and everything seemed okay until there were payment disputes.

I've been an American Express customer for a long time. A few years ago, I signed up for Membership Rewards. About a year ago. I lost my card and requested a new one. Amex tells me that since then, I haven't been receiving rewards because I did not re-enroll! Furthermore, my rewards from my previous card are forfeited. Nice customer service there, Amex!

I spoke with a Kimberly from the litigation dept, but she gave me no last name. She said that I had to make payment of $600 for the next 6 months to American Express, which I did but they took another $600 out of my bank account disclosing it. I admit it I owe American Express about $2100.00. I have made it a point to tell Kimberly that it wasn't like I did not want to pay my bills. But I wasn't making enough to pay my bills. I have been calling American express litigation department since yesterday, but to no avail. I need help with this situation. I want the $600.00 they took because right now I am overdrawn at the bank. Every check that I wrote out has bounced.

I have a friend who lost his job when he is trying to pay off his credit card bill and I tried to get him into a pay down program. I was told that they could arrange for a pay down program of $480.00 per month. After getting the ok from my friend, I called back to arrange the program, the ** at American Express now told be that the best they could do was $520.00 per month.

I am a lawyer seeking to identify other American Express credit card holders who were victims of the company’s practices in breaching their cardholder agreement. If you have a complaint, I will review it and take on the case on a contingency basis. I personally was a victim of their practices and believe it’s time to file a class action suit against them. If interested, please contact me at: **.

American Express retroactively cancelled my flex program and charges on my Amex platinum card without notice in breach of the cardholder agreement. This caused financial losses.

I have an American Express Blue credit card and I pay all my balances on time. Once, Amex notified me that there was a dubious transaction. We agreed to cancel my credit card and Amex sent me a replacement card. After receiving the card, I called up Amex to activate it over the phone and I was somehow directed to an Amex customer service agent. The agent confirmed me that my card was activated and then asked me whether I heard about Amex Zync card. I told them that I haven't heard of that card. She told me that the card offers a connect package that gives me 20% discount on my monthly cell phone bill. I was surprised to hear that such a benefit exists and checked it online while I was speaking with her on the phone. I couldn't find it online so I asked her to check with her supervisors whether such benefit really exists.

I applied for an Amex Blue card in June. It was my first Amex, but they approved me with a $2000 credit limit. At the end of last month, they called me asking me to fill out an IRS transcript request for and freezing my account even though I had never carried a balance and always paid on time. I did what they asked, they called a week later and said I had one more chance because the first copy I sent them was ineligible.

I had a American Express Platinum and two business accounts with them. I sold one of the businesses and called to ask if I needed to change the account name to which the response was no. I continued to work for the company as an agent and paid all my cards on time, never missing a payment. American Express, with no explanation, canceled all my cards and took over 100,000.00 earned points away from me saying I was no longer the owner, so they could cancel the cards. I explained that because I still worked there and was given a card which my payments were made by me on time. How could they do that?

I received a statement for $843. I sent 2 payments with the same invoice for $800. When I viewed the bill online, the $800 was not posted. I called and I called NYC headquarters. On the first call, the woman I spoke with told me to wait a few days until the due date to update the account. I found the error and called back and the same woman gave me a new story saying that American Express has posted a $600 credit on my account 2 times. I looked at the bill online and found that my money order for $600 was never posted. She and all the staff I spoke with at American Express were extremely rude. They told me that I had to deal with the same office at executive office. I am concerned, they are playing games with my account and not posting correctly. I am very disapointed and this is the end of a 12 year account.

In November 2009, I informed American Express via telephone that I had changed banks and as a result, the needed automatic payment was canceled. I have repeatedly requested that American Express cancel my systematic payment via telephone as well as through a correspondence from the Better Business Bureau. 10 months later, American Express is still attempting to debit my former bank account to collect my outstanding balance with them. Needless to say, there isn't enough in the credit union account to cover that has caused me late fees with American Express and overdraft fees for from my credit union.

I have been on Social Security Disability since November of 2006 and lost my job in May of 2007. I had been calling AmEx since November or so of 2008 of that year to activate my account protector to pay the minimum balance for me as I had been paying for it since I got the card (with 0% interest for 12 months). The first 10 or so times I called to try to activate the account protector, I had to talk to Indians who I could barely understand and who couldn't understand me. They would transfer me to a number and the call would drop. I tried calling their Account Protector Services line but that call got dropped as well. When I finally was contacted by a real English speaking person in February of 2009, I was sent papers to fill out. I sent them in, filled out, with all the information they asked for within the week and have been getting collection calls ever since, claiming that I only tried to activate the Account Protector since that February, despite all my calls to the Indians which probably weren't recorded.

All my cards, including this card are in good standing and I have been with American Express since 9 years now.

I have, today, received my Statement of Account. Charging date, July 01,2010. I have had a Credit Balance for several months as noted on this statement $59.33. Then why am I charged .46 cents of 'interest due'. I have never carried a purchase balance as I have always paid the full amount owing, using my Internet method of payment. I would appreciate an explanation of this interest charge.

American Express was so desperate to reduce my credit limit that they sent me an e-mail rather than wait for the regular mail. Despite always paying on time and paying often triple of more than the minimum required, my credit limit was reduced. Before the reduction, the ratio of debt to credit limit with American Express was less than 70 percent. After the reduction that ratio was reduced to 96 percent. There were signs that American Express was in trouble even before this because with increasing regularity, local businesses refused to accept American Express cards - Bank of America being the largest. Because I could not use the card to pay retailers directly due to their unhappiness with Amex, the only way to access my credit line was to request cash advances via my Bank but Bank of America will not make cash advances to American Express here. Within 24 hours of my call to American Express complaining about the fact that I could not access my credit, I received the email reducing my credit line. It felt retaliatory, frankly. I am about to go on a trip to take care of my mother in her eighties.

They refuse to lower the interest rate on a closed account that I am just trying to pay off without ** them; the money they are charging on was taken years ago. They are making so much money off my account.

I have closed the account several years ago to pay off the card debt. They, American Express, have refused to lower the interest rate from 24.00%, so I can get this paid off. I have no intention of not paying, but they must work with me. They have made so much interest off my loan. I have tried many times to deal with them, but no success. I do not want to file Chapter 7. Please help.

At a previous job, I used the company AmEx. I was not a "co-signer" on the account, nor did I ever agree to be personally liable for the business-related debts I charged. I left that company earlier this year.

To put it simply, after being an American Express card holder for more than 14/yrs, in excellent standing, I was denied a card. It matters not what their reasons are; what does matter is that if they included in their approval process a review of currently, ongoing active customers, they would see that we have perfect credit. Of course, I was insulted, prompting me to collect a report from Experian. "Never late" was on all accounts!

I have had The Blue Card from American Express for about 10 years. They were extremely generous with the credit line with the economy that was good. I have never been late with a payment to AMEX or any other payments I make to accounts that I owe. As soon as my the payment amount shows up online, I schedule the date for my payment to come out. I had looked on the AMEX site and scheduled my payment and I had an open credit amount of $7,800. I had not used the card in almost a year, and decided to charge an amount of $500 toward a home improvement project. My card was declined! I had just looked at the open credit before I left home.

I dealt with customer service that had no care/feelings towards customers! I have been going through rough times, I lost my job, had a 2-month-old new baby and going through past due issues with our mortgage. I had communication with Rudy and his supervisor this morning and just simply requesting to call them back until I figured out how I am going to distribute my husband's check for all the bills.

I have been dealing with American Express for over 20 years. In the past 5 years, their business conduct has become disgusting. They apparently use an outsourced dunning service to contact any by phone if your payment is a day late. More than that, they will send it to a collection agency.

I have been an AMEX Gold Card holder since 1984. I am the CEO of my company for the past 17 years and have been a loyal Amex user up to today (July 12, 2010). I found out via email that my account had been canceled due to not complying with their request for copies of bank statements and tax forms. I was informed of the need to perform a "financial review" after I was told that my newly issued Gold Card was declined!

American Express got the taxpayers' bailout. But you know what? They hired people from India to call us if we can't pay them! I've had a call yesterday and a call today, and both admitted they were calling from India. How do you like them apples? No wonder, we are in the shape we are in--with us needing jobs in the US and companies like them outsourcing them to other countries. We can't win for losing!

I am just fed up with the poor service form American Express Rewards. I pay my bill in full every month, but sometimes the payment doesn't get there on the day the Rewards service uses as a cut off. Each time I forfeit my points. I think it is super poor service. Already we pay for the privilege of using their card and on top of it they penalize us on the Rewards side. I have been a card member since 1987, but I am close to canceling my card. Already I downgraded to green to cut down on the fees. Losing rewards points seems adding insult to injury. One more thing will put me over. I had been loyal because of the airlines they connected with, but since you cannot get a rewards flight these days anyway, what difference does it make? Just wanted to get this off my chest.

Last week, prior to purchasing a first class airline tickets in excess of $3,000, a friend suggested that I upgrade to the membership plus and get 3X the points for airline purchases. I telephoned American Express (the 800#) and spoke with the person answering the phone and asked him if the upgrade meant getting a new account # as I have had my Gold Card since 1969 and didn't want to change the account. He told me that I did not have to change my account # to upgrade and proceeded to transfer me to the proper department to (I assume) apply for the upgrade.

My wife and I have been an American Express Gold Card Rewards Plus members since April, 2009. Since that time we accumulated, according to Amex, 89,855 points. We contacted an Amex Travel agent to book a cruise package which included a business class air at a total cost of $15,683. We were told by the Amex Travel agent that we would receive a credit of $898.55 or the number of points divided by 100 to reduce the cost of our trip. However, when we received the confirmation statement from the Amex Travel agent, it stated that we would only receive $673.91. When I called them to inquire, they indicated "their computer system" was programed to do it that way. They had no further explanation so advised me to contact Amex travel department directly to discuss the basis.

I have been with American Express for over 20 years. I had problems with my bill due to double billing. The bill was eventually settled but my my rewards points were cancelled. I have tried for over a year to get my points back. They told me they could not give my points back to me. I feel this is wrong. The bill has been paid in full, so the points belong to me. They took the card back and would give another one after 30 years and then they would not give the points to me. Very stressful.