American Express Platinum Card Reviews

Unfortunately, the fee for the flight, a $1200 flight, to be paid with 60,000 miles was $643! Normally, fees with Delta through their miles programs are around $100 for this flight (a flight to Argentina from Boston). And now, I am stuck and can’t get the miles back. Working with American Express, they have told me they can do nothing about it. Aeroplan says the same. But I feel I should be compensated by Amex somehow as there was no warning or information to suggest that the fees would be any different. I am about to give up and stop using my Amex. Unfortunate, because I am a very active user who has been using it for 20 years and feel it is a good value.

I had to repay the business for the points I transferred out. These were points I was not authorized to transfer. These were points I did not request Amex to transfer. If I hit a button twice and make a mistake that impacts one of my clients, I do whatever I can to make that client whole. Shame on American Express.

On January 2, after repeated calls, and questioning the details, AmEx told us that Blue Dart does not have collection center in Marthalli, and they have registered the parcel in speed post. I seriously doubt their claim, since we do receive AmEx cards delivered by Blue Dart regularly. I need to travel on Friday (6-Jan-2012) evening to Mumbai, and then Saturday early morning to Seoul. As of today, 5-Jan-2012, I am waiting for the card, but received no updates.

I had a great regard for American Express, and now it looks like they are same like any other provider, except their customer care is sweeter, polite, and wish the customer more often than providing useful information. What makes me angry is that such a professional company misleads, and does not accept their mistakes, and to mitigate the situation, they get the personal mobile number for updates, and never update the customer.

The cards were placed on hold, which is not unusual but when I called to let them know that it was me making the charges, they asked me what I was buying and why, and informed me that my cards would be closed. I have never been treated so rudely. I had not even received the bill or had the chance to pay them off.

The accounts were closed and when I got the bill, I paid off both the cards. Then I received a letter telling me that my credit would likely be damaged due to the fact that the cards were closed like they were. Why would they do this? My credit is excellent. I stayed within the credit limits they gave me. I paid off the cards within a month's time. It doesn't seem like it should be legal that they can damage my credit when I did not do anything wrong?

I have been am AmEx customer for over 27 years. I have never been so embarrassed or humiliated in my life. I get the security aspect of protecting the card, but if they are denying the purchase because of potential fraud, then answer the ** phone. Don't tell me, I have to call back when they are open. In other words, I can only be confident that I can purchase goods when AmEx is open? I am livid! 27 years of loyalty down the drain.

In their catalog, it stated that Sony 16GB Tablet requires 77,010 points (after 15% discount) to redeem, it stated also available in 32GB, so I called customer service inquire about this. The first staff said he can't find this product, so I called again. This staff said 32GB requires 86,828 points to redeem (after 15% discount), so I said I want to place this order, then she said only the main cardholder can do so, while I am just a supplementary cardholder, I told her that I am authorized as the account manager by the main cardholder. She said I need to enroll separately for membership rewards. Therefore, I went online and tried to enroll, but it stated technical difficulties, and asked me to call the customer service.

I called them again, the staff said that actually I am enrolled, but it requires 102,150 points to redeem 32GB tablet, I said another staff just told me 15% less points required. Anyway I asked for a supervisor, Amanda (staff no. 1037437) answered my call, she said she needs to do some research, and will get back to me. I waited and waited, but no feedback, so I called Amanda, her staff said that she will call me back in 15 minutes, but she never called me back.

I called Amanda, she said, she can't verify the staff who misrepresent Amex and told me the wrong info., I said that all the phone calls are recorded. She just doesn't admit that their staff was wrong. Also, Amanda is irresponsible by never calling me back. I asked for Amanda's supervisor, she said her supervisor, Ms. ** can never be reached. You see how good the customer service of Amex is.

I opened my credit account with American Express in early October (2011) of this year. In the first month, I pre-paid $2500 as I was told that a good faith pre- payment was the best start to instill a positive credit relationship with American Express. I did charge on this account but made my second payment in the amount of $1000 on Nov. 15th. I was told via customer service rep that the remaining payment of $2119.73 was due on the 28th of Nov. As I am in real estate, I am commission based and at times payments come to me later than expected.

I called American Express customer service on Nov. 26th, two days prior to my due date, and advised them that my payment may be a day or two late. The representative told me not to worry, set up a scheduled payment for the $2119 on Dec 2nd and ensured me that my card would not be canceled but could be penalized. With this info, not wanting to be any later than absolutely necessary, I called American Express on Dec 30th and made not only the $2119 payment that was due but also payed an extra $800 and some odd dollars that was not technically due until the 13th of December.

This was in good faith again, as I recognized that I was two days late in payment. After I made the payment, the customer service rep informed me that my card was canceled and she was not able to give me any more information. She failed to inform me of my canceled card until she received that $3000 payment. How nice of American Express to be so astute in their actions. Are we now a cheap collections department? The CS rep at this point was incredibly rude and told me to call a different dept. the following morning. Essentially, too bad, so sad, no help here.

The following morning, Dec 1st, 2011, I called the number ** provided and the CS rep (Tony) reviewed my account, empathized with the situation, apologized for the CS rep who ensured me it would not be canceled and said if I pay the remaining $1673.19 balance bringing me to a zero balance, that my account had a pretty good chance of being reinstated. He also noted that based on the actions on the account that he could see he felt that I acted in good faith. I paid the remaining balance (this balance was not due for another solid month) but I paid it in good faith, over the phone.

Once processed he electronically tried to re-instate and it declined. He then said to give him until 5:30 Eastern time to speak with his supervisor and manually reinstate it. He also said that it is better to have all payments clear my bank (how convenient) before looking at manually reinstating it again. They did clear and no call back from AmEx that day! I called again in the evening, went to a different dept, had to tell my story for the third time to a brand new person, who essentially said too bad, he should have never given you that info. They are a collections department and we canceled your account based on negative info from your credit report and the fact that you failed to pay us. Okay, great.

Next day, 8am no response. No response by 10 am. I called the ** number again and spent another 30 min telling a completely different CS rep the same story. He said that no promises should have been made, that they canceled my account based on serious delinquencies on my Experian Credit Report and that there was nothing he could do but he would have Tony call me back. Tony finally did call to inform me that they would not be reinstating my card as it was late two days and my credit report was essentially quite horrible. I called Experian today and this is what they told me:

Currently, I have zero collection accounts as American Express reasoned for the cancellation of my card; I have one over the limit charge on a credit card company (since corrected) in the last few years.

I just thought I would illustrate my honest experience with this company for others to take note of before deciding upon using them. They can cancel the card for any reason at any time without consent and as all of their systems are computerized, they essentially have no ability to do the right thing by a customer. I would much prefer using Chase bank or even Capital One at this point.

Furthermore, American Express, Ken I Chenault CEO, think for a second. Don't you think it is insulting when you have to speak with someone with full access to your account details and who does not even want to provide their name and contact number apart from some other toll free 1-800 number? That’s great. I have no way of following up with a complaint. Good job by customer service, right? When I asked to speak to a manager, I was just handily passed from one clueless 'customer service operator' to another. It strikes me that there is little overview of complaints at Amex. All gets bounced around their customer service phone numbers. As last resort, I asked for someone with a name to call me back and was told that a 'manager' may call me in half hour. I got no call back! Is this typical bank supervision, look away when there is an issue? I have no choice but to complain asides to BBB as I explained to a wonderfully nice, useless lady from Amex whom I spoke with on the phone. It’s outrageous!

Now, after another month, I am told that a third one was delivered to my home. I never received it. I was called by a representative who was handling my case to find out if I received it and I told her I did not. She said she would look into it for me and let me know the status. Instead, she re-ordered the same item again. This was done without my approval. At this point, I no longer wanted the product and wanted to redeem the points for additional gift cards. Within an hour of speaking to the representative, I received an email confirmation that the product had been reordered. I immediately called AMEX Rewards, and they said that I would have to wait until it was delivered; refuse delivery; have it sent back; and then I could get the gift cards. This process began mid-September and it is now November 28.

No one at AMEX rewards is willing to do anything about this on my behalf. I since cancelled my AMEX account because of my disappointment of how their customer service policy does not service the customer.

After spending in excess of 45 minutes trying to register for my credit, I finally called the credit card company, and was told that only 200,000 people were allotted this credit, and that you had to register before November 26th, to even be eligible. Nowhere in the advertising for this promotion was that ever revealed! I fully want to support my local businesses, and I feel that this is a great way to do that, but felt that the way American Express promoted this, was unclear and unfair. I would like to see $25.00 credited to my account as good faith on the part of American Express, but when I called them they told me there was nothing they could do for me.

I called the next day, asked for a second supervisor who told me that I was not signed up for any promotion and that there was nothing she could do. I asked if they tracked mailings, since it would clearly show the promotion sent to me in August they don't. I asked if they record their customer service conversations, to pull the audio of the customer service person welcoming me to the card and confirming my promotion you guessed it, they don't. Long story short, they are being inflexible and giving me the runaround. It's a competitive environment out there, so definitely consider if you want to risk not getting whatever promotion you may be promised. I told Amex that since they are not honoring their promotion I will be canceling my personal card as well, and will never return. It really is surprising to me that they don't value me as a customer. I spend a lot of money with their card. Like I said though, it's a very competitive market for customers, so I will be going back to Visa. Adios, American Express.

American Express not only is calling me and harassing me every day, about 10 times a day, but they are calling my ex-husband and harassing him at his place of employment, calling him at his home, and calling him on his cell phone and telling him they are going to lien his home if he doesn't pay. They have also called my mother on her cell phone harassing her. This is insane! My ex-husband is not even on my credit cards! They call him a few times a day. Just today, they called him asking him for his social security number.

When I taked to a woman named Sana, she said that American Express doesn't work with debt settlement companies. They said they are willing to reduce my debt by 40% if I pay in 11 days. Everyone I spoke to was located in India. I tried to explain to them that if I had that money, I would have already given it to them. I don't believe it can be legal for them to not only talk to other people about my debt to American Express, but also harassing family members that are not reponsible for the debt, and telling my ex-husband that American Express is going to lien his assets.

-misrepresenting amount of debt and collecting an amount greater than the debt; our AMEX is debt is $14,758,23; -attempting to collect an unauthorized amount -using a legal process, the presentation of a summons, deceptively, as proven by attempting to debit account shortly thereafter. (In other words, if this legal action is valid, this is a violation of due process, and this debit for the total amount was unauthorized, if, possibly, criminal, as summons calls for a hearing 1/6/2012. )

-we have a healthy, if excellent, payment history with Zwicker: one card totally paid off, the other under 50% due that suffered due to family loss and medical expenses, yet the agency took a spontaneous hostile action without any notice, actions that have caused immense stress and damage. There was not correspondence or advance notice from Zwicker between September and October. -misrepresentation of an attorney -misrepresentation of legal of actions against us, as, among other things, a 1/6/2012 hearing would be moot if they had been able to debit successfully the $16, 348.21

Go through a rewards program with another credit card. It's less of a headache.

I should be awash with points going back (you have to call to ask). However, I had to cancel entire trip due to a hospital stay and now I can't get any points back because AX rewards already "credited" my card more than hotel reservations and to get my points back will cost $750. What? I spent over one and a half hours trying to get anyone to "explain" as it is so simple. I just lost 100,000 points and can't get them back.

They state they cannot give me my account number but I can always call to make a payment. They said they would send me out an old statement but I have never received a statement. I call for it, retell the story and still nothing but hang-ups and apologies.

This has caused more problems than you can imagine. Just save yourselves and stick with CITI. I will never open an AMEX again.

Payment was set for $130 per month for 12 months interest deferred and charges fair deal with auto pay option. First month, I sent $200 and Amex also deduct an auto pay of $130 for a total of $350. The following month, there was no deduction out of my checking so I made a payment of $150. The following month, I figured that the auto pay would deduct automatically the same in July. I'll save myself time on paying on-line or other so I thought I never even questioned the process which was my mistake.

Amex started calling over a period of which I did not keep track. I ignored the calls figuring some sales pitch or other. I had no reason to think otherwise. Then I received a letter on August 15th, stating that I have been expelled from payment plan. I called Amex explaining that I was under the understanding that the auto pay was setup to protect both Amex and myself. They stated that the auto pay was only for the first payment and that I did not request nor did they verbally offer at the time of setting up the auto plan a 12-month auto pay. This was also confirmed by Tim, the floor supervisor on August 15th, that it was against the policy for the customer service to verbally offer this feature. Remember, they have my checking account number and the payment plan is titled auto pay which is misleading and devious.

Now, my option is to pay the entire balance by the end of month, otherwise, they will report my account delinquent from the time the payment plan was set up. I inquired why I was not notified at 30 days if there was a problem via mail or at 60 and they stated that they were not obligated to send written notification but only call which over a 74-day stretch a total of 11 times also no e-mail notification until the day I spoke with Amex. After mentioning my confusion and feeling of violation and being duped, I received an email shortly thereafter.

I made the payment for $130 and was forced into committing to the balance of $680.00 by the 29th of this month; no other option (well done Amex) Of course, I had to pay the $125 membership to also keep the payment plan earlier in 2011, as part of my obligation which I agreed was billed and payed.

If this isn't banking at its worst-- I had been a member for six years and charged monthly and I always paid full balance due on top of that, I had a platinum business card from 2006 to 2010 for business and same deal. Where and who can help and advise?

“How are you today, Mr. X?” “Oh, I am sorry to hear that Mr. X. Please, hold on while I check the reason for suspected fraudulent charge.” “Can you verify employee Y has her card in their possession?” “No, they are not sitting right next to you?” ”Okay, can you verify that the charge made at a gas station in California for $60 was made by employee Y?” “No? They are still not sitting right next to you? Oh, well call us back when you know. Have a good day.” What an idiot!

It is 3 weeks now, full of sorrowful customer service reps telling me one thing or another to no avail. American express has devolved to the levels of all the other,

They have cancelled all three of my cards, which I have had no problems getting any credit, now I cannot get any! I would like to be able to do something about this as it is ridiculous that this can go on. I do not want their cards anymore, but I simply cannot accept that they can do whatever they want and I am sure many people sign this form and give them the okay to actually request and get copies of up to five years of your personal tax returns! This is ridiculous and should not be allowed!

6 months passed and nothing was sold. They would not stand by their letter nor would American Express make them stand by it. They said that they didn't have proof that I didn't make any profit. I told them it wasn't me that had to prove anything, they had to make Horizon Direct show proof that I did profit from their site since they were the drop shippers, plus they were the ones who wrote the letter.

American Express never answered, and just told me to take it to my state's Consumers Affairs, which I will, but am not sure if that will help or if I will have to go to Arizona's Consumers Affairs to get anything done.

By letting this company get by with this, how many other people are they going to con into getting a website and then not hold out to paying them back, after they promise them that they can make money, and writing a letter of guarantee. Someone needs to put a stop to them and I am sure going to try. No one should use American Express, if you can't trust them to stand by the right person in the dispute. Are they that money hungry?

I asked Bryan at AMEX specifically how customers of over 10 years with no late payments and a history of paying off our card could be treated this way. His answer was that it is all in the membership terms of the credit card--a truly customer service driven response! Since credit is based on a balance to credit line ratio, why can credit card companies unabatedly tamper with that based on random credit checks.

I asked the representative why our history with them isn't a factor in their decision and he said, "that's not what I said," and I told him their actions speak differently. Bryan told me that "he is not there to change my mind and there is nothing he can do about what I think." Clever response for a company who obviously cares nothing about the care we have taken to be good customers.

Credit card companies should not be allowed to adjust someone's credit line below the 30/70 ratio which affects a consumers' credit score without direct cause! A random risk assessment amounts to credit tampering and a direct assault on consumers!

I went through hell with Am EX representative; hung up calls, language issues and the typical no service of a financial company. I then cancelled all of my companies Am Ex cards, personal cards with Am Ex and walked away from more than 20 years of working with them.

Don't do business with companies that are unresponsive! My loss was $42.16 and several hours of my time; their loss was closure of 27 accounts ($52,678 of business).

I lodged a dispute with American Express and explained the case to them. The case was decided in the merchant's favor because, according to the letter that I received, the merchant provided charged receipts for both charges. Yet, the vendor never provided a service, informed me that they would be charging my card, or have my signature authorizing them to charge my card. How can American Express decide this against me? Assuming that there must be some misunderstanding, I have renewed the dispute, I had to type up a two-page letter explaining the problem in detail, and fax that in.

There is no way to speak with the people that handle the disputes, I had to fax in the document with a reference number so that it would get attached to my file. Still, no response from American Express. I have been the victim of credit card fraud. Someone has charged my credit card without my authorization, and rather than protect me, American Express is trying to make me pay for the unauthorized use of the credit card. It is inexcusable.

Then, when I explained to him that what he is saying is not true, he said, "Seems like all the cash back rewards details is missing in this statement (which was again not true)." And then, he started sounding agitated and angry. When I told him that he doesn't have to be rude, he started yelling. I hope that they improve the customer service; otherwise, I will have to stop using American Express.

Purchases were showing up for one month under the correct interest rate and then they moved to the cash advance rate. Now, since the account is closed, my monthly payments are increasing! Last month, it was $193, this month $222. My monthly payments should decreased since the account is closed but they are going up. AmEx told me that my minimum payment is going up since that's all I pay. I have filed complaints with the FTC and the Louisiana Consumer Protection agency.

He was called by Amex 2 days later that they had suspected fraudulent charges on this account. There was an $8000 charge that was in question. The good news is, he was already out of the country and the charge was deemed fraudulent. The bad news is, Amex didn't catch the fraudulent charges while he was at the restaurant. The merchant had swiped his card unknowingly 2 more times. Totally $7067. Amex refuses to remove these charges because they say he was there and handed his card over. They don't care that he didn't authorize nor know about nor presented with a receipt for these insane charges. We are on the hook for $7067. We need to take Amex to court. Where do we start?

Everyone should live like this. Amex should be closed down. This caused 60 pounds of weight loss. With the constant threats from Amex, I can not sleep. A few years ago I had brain surgery and I really don't want to go back into a semi-coma. Amex enjoys this from what one collector said. Very sad.

Stupid of me, because AMEX is now suing me for payment. They don't care who they screw as long as they get their monies. Sad.

My sole method of managing my accounts were through the internet/account online services. American Express did not competently provide me the service through the means in which they allow. The telephone service is great until you have technical questions or specific questions regarding your account. They spend a lot of time pitching and reeling people in and then after they have you, they throw you into a bucket with the rest of 'em.

The incentives are not that rewarding, and if anything goes wrong, such as a payment error, they will treat you like a crook. They are relentless and rude with the amount of badgering they do, even with customers who have a long and reliable history with them. American Express is horrible.

I explained that the program was already arranged and I was just calling to set up the payment arrangements they refused to cooperate. American Express sucks! I got a great deal of aggravation.

She lied to me that the benefit is real. I did the math along with her for 10 minutes to see how much I will save over one year after paying for the annual fee and the connect package fee. She convinced and tricked me into signing up for these new cards. Now after receiving the card, the Amex rep told me that such a benefit does not exist. I asked her to go through the recorded phone conversation when I was signed up. I was lied again that those conversations were not recorded. This is the second time that Amex people lied to me.

How can Amex prove that I accepted the card if they didn't record the conversation? I didn't sign any paperwork because I was signed up over the phone! I asked them whether they can take out the annual fee for the rest of time that I keep the card and I was told that I can cancel the card. That was easy for them to escape. I told them that I am not going to cancel that card because it would be a negative mark on my credit history (opening and closing a credit account in one month). Now, I am deeply hurt with Amex who cheated and lied to me. Please do not believe Amex's promises.

They said that the could and because it was now a closed account, they could take the points as well. When I received my bills, they said closed by the customer. I called to ask them why it said that, they explained that it was better for my credit if it said that, so just leave it be. Now just recently I made a payment over the phone and they took it out of my checking account with my daughter who is not on the account as the remitter. I know they are trying to make her responsible, some how, if I do not pay.

They raised my rate and when asked, they said that all the rates were changed and there is nothing they can do about it. I have paid two of the accounts off but the last now is due to the increase. Even if I pay the monthly payment, my balance goes up by $200.00 and some dollars a month. This company is doing what ever they want to do with no consequences for their actions. I said I was going to get an attorney and they laughed at me like, Good luck, we do not care.

I have no problem with settling my debt with American Express as I am doing with my other two accounts with them. However I refuse to pay until they correct the errors that they have caused. I was dropped as an American Express client because of their errors and lack of customer service. As a result with American Express not complying with my request, I have been charged $700 in fees by my Credit Union as Financial Assurance and $350 worth of late fees which total $1050.

I am now getting 1-10 calls per day from them and have explained multiple times that due to my disability and some hospital stays along with two seizures that I was unable to pay or refused to pay. I haven't used the card since early 2009 for a $7 purchase and have accrued $1000 in interest plus whatever I am paying for the Account Protector at this point. I am unable to pay anything. I tried to do a balance transfer from another card but that wasn't successful and I now don't have enough money to even do a balance transfer due to minimum payments on the other card. I am yet another disgruntled AmEx card holder.

I was finally informed that this card would be cancelled if such information was not provided. I asked what was the thinking behind this and if all my American Express cards are cancelled. I was told that no other cards are to be cancelled and I still have 3 other cards with American Express. I had used this including a feature called membership rewards that extends you points, in advance and you have one year to make the necessary spending without any fees. I explained this to the representative who assured me that since this cancellation was from their end, no charges would be levied and I would only be responsible for my transactions on account that I have incurred and no fees would be levied for any kind.

However, now I find that they have cancelled this one account and levied me charges. I tried to dispute charge online, it did not allow me and instead directed me to call them. I called them and I got the classic run around to different departments, all of whom told me that they will not refund the charge as they did not cancel the card. They are unable to provide any means to communicate with them as the messaging center only allows for correspondence with reference to an existing card.

I have this past week used my American Express card for several purchases both at Costco and The Bay. I know exactly what my invoices total but until this above question is answered, I am reluctant to pay for these purchases before they are actually due. Thank you for your attention to this request.

I will not have access to the credit line I earned by paying my American Express bills. The irony here is that I made concessions via my union that were a direct result of the taxpayer bailout which was supposed to open credit lines for us all. They have our money now and are contracting credit to us while we have less money than we expected to have because we bailed them out! I believe that if so many of us who have been paying our bills are seeing this kind of action on behalf of American Express, that they are clearly in financial trouble! Let's agree not to bail them out the next time.

As part of my new job, I opened a new AmEx account and used the new card for business-related expenses. Upon returning from a trip, I logged into my new account online to get a report of my charges, only to find that my account has been suspended! I called and spoke with a "specialist" and then a supervisor, both of whom informed me that since my previous employer was delinquent in their payments, they have suspended my current AmEx account until the old one is brought current.

They also explained to me that I am jointly responsible for the balance on the previous card! I explained the situation to them and told them flat out that I wasn't liable and wasn't going to pay them anything. And I asked them to take my name off that card. They replied that they couldn't do that, because it was "their policy."

I don't believe they would successfully prevail in any action to recover from me, but everyone should know that AmEx (and possibly other credit card companies too) has such a "policy" that users of corporate cards are viewed as personally liable for debts incurred. I intend to cancel my AmEx account and will not deal with them again.

I called to speak to a manager, and she told me my credit line was in the process of being decreased, but she would be glad to let the amount go through. I told her not to do me any favors. I will never use AMEX again. It would be nice to get a notice of some sort other than waiting until I decide to make a purchase and they jerk the credit limit away. They told me if I would send them my check stubs showing my salary, the would raise the limit. How disgusting! Also, how discriminating. They sure didn't ask for a salary when the opened my account due to excellent credit. Nor did they ask for my salary when they kept upping my credit limit due to excellent payment history.

My husband also has a card. I pay his account as well, they haven't asked for his salary, nor have they taken his open credit away. I pay both of our bills, because I want to make sure they are paid on time or early. My husband nor I will never use their card again, and would not recommend them to anybody else. The embarrassment caused, because I have always paid my bills on time, and they made me feel as if I was trying to steal something that I had earned due to having paid my bills on time.

I was so pressured on the phone and don't want to hang up until they find out how much money I would pay! I didn't expect this coming to a big, well-named credit card company like AmEx. I ended up cancelling my account, but still felt like they both laughing at me in the end. They succeed harassing me and at the end, they still get their money! Perhaps, this letter will be posted and pass around other customers my experience with AmEXx. There's no way I will be forgetting what I went through with them!

Ruthless! I have no such problem with my Visa (Bank of America) or MasterCard provider.

I was trying to pay an important lawyer retainer fee for my family trust when this happened. This was very, very embarrassing to say the least. I was told that I needed to call Amex to find out why the charge was declined. I initially thought it was due to the fact that there had been several recent fraud incidents using my account, and a new card was issued to me (This is another issue. Someone physically swiped a card that had been cloned. I never lost my card! Amex let the $4,900 charge go through, even though I had been charging things in Colorado since January and I'm still here in July, and have been using my Amex card here a lot! What idiots!). The lady, Chris, I spoke to at Amex told me the "Financial Review" had nothing to do with the fraud. I personally doubt it, but when I pressed her for a reason that this was being requested, she said it was a "random and routine" thing. Hm.

Now, as of today (7/12/10), after speaking with another Amex representative on the phone, I was told by her that the financial review was due to information from Experian. Well, I have never missed a payment for any accounts I have and have only been late a couple times due to stupid things like slow mail or bank problems, not due to my ability or willingness to pay my just debts. Anyway, I was being told that I needed to have my 2009 tax return and several months of bank statements sent to them!

I told her that I was not comfortable giving such personal information to them, and especially after the fraud incident. I also tried to explain that due to my circumstances, I had not filed my taxes yet (sent an extension) and my bank statements were back home, in Miami, Florida! I attempted to explain to this person my situation, but she said that I could not use my card until they got the requested documentation. I told her I wanted this in writing and I was not going to discuss further as I was on the lawyer's time clock at $300/hour! The economic effect is the delay of important legal actions for my family trust. This has created an unnecessary delay of about a month, thanks to their actions. They did physical damage in terms of my mental state!

Well, I was trying to get the paperwork together for them, but also have been dealing with more serious matters. My father passed away after catching MRSA at a local hospital after being admitted for a simple back injury. I have a mother who is in stage 4 of Alzheimer's disease, and I am the successor Trustee of my family's trust. I have been away from home and my business for almost 6 months now. I can't leave until a lot of legal and financial things are settled. This is what has been my priority and still is.

This has caused such mental anguish for me that I'm considering a lawsuit to get just compensation for what Amex has done. Even the Amex representative I spoke with today was incredulous that I was being dealt such a blow after being a loyal, on time 100% customer! She insisted that I speak to someone to reinstate the card. I did, and boy did I regret wasting the time on hold just to hear the same stupid request from yet another person!

Amex will never get my business again. My business is also an Amex Merchant. I am ordering our company to cease any and all business with Amex and we will no longer accept Amex cards. I assure you, the reader, that every chance I can get, I will make it very plain and clear why I will never use or accept Amex credit cards ever again! I am pretty much getting to be of the attitude that I am just not going to play this game with any company that thinks it can just ignore their own agreements and stoop to false advertising to get business, and to ** off their good customers. Boy, does this company need to be reviewed by the Feds! Personally, I think this company will be bankrupt and gone in less than 10 years based on my own dealings with them.

No matter how much I paid them, the balance never went down. So why try? Why should I give them my last dime and have to do without when they are doing what they are doing? Wake up, people.

When that person answered the phone, I again told him that I didn't want to change the account only upgrade. He said this was not possible and I would receive a new card and account. I told him that if that was the case I didn't want the membership plus card. I then purchased my airfare. Today, I was telling my friend today about the situation and she told me that she too didn't want to change her account and that she kept the same account. I called Amex again today and spoke with someone at the 800# who confirmed that I did not need to change my existing account. I explained to her what I was told and she was more than apologetic and offered to sign me up for the card.

I asked if she could retro back the triple miles to me for the airfare purchase and she said no. I told her to forget it and that I would find another card that would like my $175 annual membership. I don't think she appreciated that. Amex should properly train their agents if their intent is gaining more cardholders. If I didn't have such a long outstanding history with Amex I would cancel my card. I'm sure Chase or Discover would be more than happy to have my business. Lost out on 10,000 membership reward points.

Prior to calling, I had reviewed "Amex Membership Rewards 2010 Guide" and specifically, pages 60-65 which outline "Membership Rewards Program Terms & Conditions". There is no reference or clause to discuss how these points would be allocated. The woman with whom I spoke could not specifically answer my question and only indicated that we would receive the full point value of $898.55 if we booked only air fare, not a package. I explained that air fare was included. I said that if that is the case, let's do two transactions, one with the just air costs and the other with the cruise, travel insurance, etc. She said she could not change how it was billed.Once it is done, it is done.

When I asked repeatedly where it states this in the Reward Guide, she could not or would not state. I asked to speak to her supervisor. She hung up on me. I was not rude or offensive to her. I then called our travel agent and relayed this unsatisfactory and unpleasant experience. She attempted to find out more information. She did speak to someone in the Amex Travel Dept. who indicated Amex doesn't put these conditions in writing because the terms change.

As far as we are concerned, the practice of not describing terms in Guides is deceitful and fraudulent. We are requesting that since this point determination is not expressly outlined, that Amex credit our account with the full credit of $898.55 not $673.91. Of course all our points are being used to pay this proportionate amount. This is not acceptable business practice. This type of situation is ripe for a Class action consideration as well as government regulation.

American Express sent me an email one morning stating that they were cancelling my cards. I called to find out what was going on and as stated above made sure all payments were made. I asked that the accounts remain open and they stated no due to my not having the money to pay the account. No discussion was entertained. They acknowledged that neither payment from the automatic withdrawal was late because it comes out of the account on the first day of the bill and they acknowledged that I don't even get an email or hard copy of the bill or the amount. They acknowledged that I'd never paid late. Yet, they said my credit report and payment history caused the closing.

I told them I assumed they didn't want my business and they might as well not accept my $495 as a platinum member. The operator, to my surprise, said that she would refund my platinum card fee and close the account, then she asked is there anything else. Shocked, I said I'll call back and hung up the phone. I called back that day and asked for a supervisor.

Basically I was given the runaround. I told them I didn't want the Platinum Card cancelled because I had some recurring payments, utilized the Regus office deal and had over 170,000 membership miles. They said that they had closed the account and there was nothing they could do. I checked my credit report and it was excellent and I have a high credit score.

On 05/18/2010, after we used both accounts for a purchase, now we get a email stating that our accounts are closed. Here we go again. We do not understand how we can make a purchase at 6 pm then at 6:05 pm our accounts are closed for no reason. We always pay about 600% over the monthly payment because we use cards all the time. American Express customer service is by far the worst. I was told on 05/18/2010 by an American Express agent that she can not see why the account is closed and was going to have a manager call us on 05/18/2010. I am still waiting.

So in summary, I would not recommend to use American Express for either business or personal. We will be sticking with our Visa and MasterCard accounts for we have not had one ounce of problems with them. They do not just close our accounts for no reason.

When I called to ask why they say it's because I carried the balance from the 2nd to the 5th, except it was all paid off by the time that billing period ended. On the agreement, it says you avoid FC if paid before next billing period starts and I did that and they still charge me. I'm so angry I can't believe it. I thought they don't play these games. Even if its just $11, it's so wrong to just lie and deceive consumers. I have been recommending AmEx to friends and family, those days are over. I will be sure to tell them that AmEx is just as dodgy as any other credit company.

I have had AMEX accounts for two businesses, three personal accounts and approximately 25 cards. Our monthly bills with AMEX were approximately $25,000 per month and not a payment was missed since we began using AMEX in 1995. Our business credit line, which was unlimited was reduced to less than $5,000 on one company, $1,000 on the second company and $5,000 on our personal card. Repeated calls to AMEX has resulted in the same story, there is nothing I can do and there is nothing that AMEX will do. Personal history, company history, years of relationships and gross income are not important, only line 22 matters. As a result, we have had to restructure our travel and procurement policies, move our credit cards to another vendor and be treated as a deadbeat rather than a valued client.

About a month later, I received a statement, showing they received my payment. But they charged me a $38 late fee, a $193.12 finance fee, and a $150 membership renewal fee. The same day, I received a separate letter from AmEx indicating they were cancelling my account. I called AmEx immediately to dispute the finance and late charge, and most of all the ridiculous slap-in-the-face membership renewal fee, for an account they cancelled (!). I didn't get anywhere on the phone, and I followed up with a letter. And then several months later, I sent another letter to their collections company, as well as to all 3 credit bureaus.

Unfortunately, this is not resolved, and is showing up as a "charge off" on my credit report. I recently received a settlement offer from AmEx. I called them. I told them I refuse to pay anything unless they remove all negative reports off my credit report. If they were willing to do so, I may be willing to pay something. They claim that this is impossible to do, even though this was an administrative error on AmEx's part.

I have all the documentation to show I paid the balance off in full, and have been in contact with AmEx, and they have been unwilling to correct this error. I would like to sue AmEx to get the error corrected on my credit report, and perhaps for my time involved with dealing with this. This has caused 15 points off my credit score and about 20 hours of time thus far, and higher interest rates on other loans as a result.

I called today, April 19,2010, and one representative told me they received the fax on April 12, 2010, but that didn't matter because I would have to re-apply for the card again and I failed to send copies of the corrected credit report from the bureaus to Amex. This is inconsistent with what the other representative told me and all I got was an ambiguous run around, I never used the card once. Not to mention, I received a letter trying to console me, blaming it on the economy. My credit score suffered a loss as a result of them canceling my card and emotionally, it hurt me because I was so happy when I got it, only for them to cancel it a month later and when I tried to fix it, they didn't care.

On April 8, 2010, I applied for a credit increase on the Amex website. I received an email stating that American Express had completed the processing of my application and provided a website link to view the details. The website link had an error message stating that Amex was sorry, but the site was undergoing maintenance. I tried 3 or 4 times over the following week to view my application status.Today, April 14, 2010 once again I was unable to view the status and instead called the telephone number provided on the website, and I spoke with Linda.

Linda said that April 8th was too early to apply for an increase because it was not 60 days or more from February 8th until April 8th. She offered to submit a new credit increase request and I agreed. After being placed on hold, Linda came back and stated that I would have to provide further documentation because my total credit line from both the Delta and the Costco card exceeded approximately $31,000. I could not convince her that the Delta card had been canceled in February and eventually asked that she cancel all American Express cards. She transferred me to Abby in customer service stating that she cannot cancel accounts. Note that I also received an email reference again, stating that the processing of my application was complete.

David stated that the department responsible for processing credit increase requests cannot see that my Delta card had been canceled 2 months ago. More surprisingly, he said that he could find no requests for credit increases at all! Ultimately I screamed and insisted that he cancel any and all cards, and hopefully he did so.

I keep calling weeks go by and no answer and finally they come back and said they gave me a partial credit. If that was the amount I was told I would be getting then I book a trip for that amount but I was told $2,300 so I booked a trip closer to $2,300. If I’m a minute late or 1 day or 15 days, they charge me the full late fee. I can’t go back and say I was only 1 day late so I’m only giving you partial late fee. Not professional or ethical. Another example of greedy America getting all they can and not caring about anyone else and any mistakes they make but when we make mistakes, they stick it to us hard.

The customer continued to appeal and even though his complaint was not logical, Amex took the money back out of our account and ultimately sided with the customer on a technicality which was completely impertinent to the case. We had to sue for payment of the material. He changed his story when we filed a lawsuit, stating that the pool contractor was supposed to be responsible for the topsoil. The pool builder presented his contract showing that the topsoil was not included in his fees. We ended up settling in the courtroom for $15,000, minutes before going to trial, with witnesses stating that they heard the customer make the calls, order the topsoil, and give his credit card number.

Apparently, this person had failed to pay other contractors as well. The technicality was that we had not obtained the 3 digit security code on the card--completely unrelated to the customer's dispute. Obviously the judge sided with our store, and ultimately, the customer paid us in 2 payments over 3 months. When we realized that Amex was taking the money out of our account, we stopped payment on the 2nd draft and, needless to say, stopped accepting Amex charges.

At this time, our lawyer continues to hold back the 2nd payment to Amex because they have black listed us. We are unable to obtain a merchant account for another separate business because Amex put us on some list that will prevent us from obtaining an account for a year, even if we pay the money to them! This all took place during the time that Amex was advertising how easy it is to not pay for something if you dispute the charges.

We received threatening calls from Amex stating that they were sending our account to third party collections and that this action would affect us personally; this was happening despite the fact that our lawyer had notified them that we had begun legal pursuit of the matter. The action Amex took is impeding our ability to do business in another location because our names on the merchant account have been blacklisted. We had to pay our lawyer $5000, the customer paid $2000 less than he owed, our monetary loss is $7,000 once we pay the last draft back to Amex. We have tried to reason with them, "we will pay you now if you take us off the list". They say we are on the list for a year, no negotiation. Our monetary losses will continue to mount if we are unable to obtain another merchant account for our other business. I am sure there are other merchants who have been treated unfairly in a similar manner. A class action suit sounds good to me!

Because of all this mess caused by them, they had the courage to tell me that I have to pay a balance of $2736 on the account that I never used since 2008 (supposedly is closed), and until that happens, I cannot use my current account. They even told me if I want to use my credit card, I have to pay the balance on my current account at that moment (the bill wasn't due for another 10 days).

Finally, on 03/24/10, I contacted Barbara, a manager at AmEx, and she told me that she will take care of everything and that I could use my card because I dint cause the situation. She transferred me to Tiffany, a specialist in these type of cases and she told that will take care of the mess. She later left me a voicemail (I kept it) saying that she took care of everything and that I could use my card without any problems. Later that evening, I tried to use my card at Costco and was declined.

I called the customer service to see if they could lower the rate and was advised that even though I am an excellent, long term customer (since 1985), there was a late payment received back in July (sorry the mail didn't get there in time), they could not change the rate and I would have to wait till the end of the year. One late payment and I have to pay this outrageous fee. Oh but they did mention I made double payments the following month in August. I have a credit card with Chase with a higher balance and my rate is 13%. I expressed my displeasure and Tish said there was nothing she could do. It looks like American Express is encouraging customers to drop them. I can't wait to finish this bill and cancel this card. I have to pay three times as much for the minimum payment in order to pay this bill each month.

They said that they would honor her payment plan. I asked for it in writing and I was told when paid off in October 31, 2009, I would get a paid off (I never got it), but I had to have this go through now or else! I was doing what was asked and AmEx had been the one that sent me there. They must trust them as well and it was going to them, so why not me trust who they sent me to. I was dead wrong. In November, after the last payment, I never got the letter. Then the collection calls started and wanted a payment. Every 30 days, I get a new place to start telling my story to again. I can't keep doing this right now. They want the rest of the payoff.

I had discussions with GC Services last week about my outstanding balance of $6,899.62. I explained to them that I had a stroke in July 2009, had to lay off my staff, and subsequently close my investment management business. I also explained to them that I had exhausted all of my financial resources and was in effect, "living off the good graces of my children and friends". I asked for a little more time for me to try and secure employment so I could pay off my bill. I was given until Friday 2:00pm to reply.

I was unsuccessful in my efforts to get money from friends to pay my bill. I found GC Services to be totally insensitive to anything I had to say on Friday. I warned them about their lack of professionalism and told them that I was going to inform American Express about their maltreatment. Their reply was to "include a check with the complaint letter". Is this how American Express treats customers undergoing financial hardships? I would have thought that my ten-year relationship with their company would have accorded me better treatment.

They notified me after hours on the 15th, and I have two business related accounts that are automatically scheduled to be deducted from the card on the 16th. I suspect there may also be other negative consequences as a result of the unannounced cancellation, but it is too early to determine the actual damage.

After the fact, I discovered that the same ticket was sold at another company for $680. I have no idea where this difference came from. I was not even offered the free upgrade that American Express platinum always is telling us as one of the benefits. I called the platinum concierge, and sent an e-mail requesting to contact me regarding this matter, but there was no reply from them at all. I know that they call back right away if this was general platinum service request for restaurant reservation, etc. I have no idea what the platinum service annual fee is for, and I don't know what I can do in this situation. I mean, $2,000 difference is a tremendous deal. And, not only the money, but also this Amex platinum ruined the memory of my grandfather's ceremony. Whenever I think of it, I get this very mixed feeling of loss and anger. This is totally a ripoff, and, very unethical. Please let me know if anyone could help me.

About 9 months ago, after about 5 years of no contact from Amex, I received a past due notice and a bill in the mail for $302. There was no information in the bill regarding what the bill was for or details of the charges. The next day, I received a letter in the mail from a collection agency asking for payment. After many phone calls, nobody can tell me what the charges are for. AmEx has told me that they can't give me a billing detail because the account is so old so I have refused to pay the bill. The first collection agency has given up and a new agency has sent me a letter asking for payment and a reminder that my credit score will be damaged if I don't pay them $302.

I don't think I am being unreasonable in refusing to pay a bill that I know nothing about. If someone can give me a detail of the charges and I agree with them, I will pay the bill. I don't want my good credit to be affected but I don't know how to fight this. Please help. Thanks.

The $30,000 was paid to Mr. Walter K A., Esq and he was to send it to the American Express, attorney Raymond M. & Sons, Esq. Bridgewater, NJ 08807. I'm denied credit. I do not care whether I get credit from American Express all I want to do is clear up this matter. This has been going on since July 2009. All I want is a Warrant of Satisfaction that which is to be executed through the county court in which it was not paid.

So every five days, I had no choice but to make a payment over the phone. It was extremely embarrassing having my card declined while dining out at 5-star restaurants. Having had an AmEx Platinum card for 35 years and having run several million dollars through this account and paying the entire bill always 100% in full, my card was canceled in early Jan of this year. When I inquired as to why, they first told me that I had cancelled it, which is false! Then they told me since it was already canceled, there was absolutely nothing they could do about it and I would have to re-apply for a brand new card and account.

When I tried to do this, they said unfortunately, your application has been denied due to a low credit score! I tried calling over a dozen times to speak to a supervisor and every time, I was given misleading and different answers to my questions about re-instating my account and having access to my reward points. Knowing this was going to become a major hurdle, I immediately wrote a letter requesting AmEx to release the points, as I was told to do by a membership rewards agent in charge.

She said I had 90 days from the date my card was canceled to get either a new card to transfer these points to or write a letter requesting them to release and give me access to the points. My hard earned and paid for membership reward points totaling 288,000. She assured me that I had nothing to worry about that this was routine and she sees this all the time. She said once I received the letter with a bar code on it, to fax it over to her department and the points would be available for me to do with whatever.

On March 2nd nearly a month later, I called back to see if the letter I wrote was received and they have no record of it. A three-way call was set up between AmEx card cervices and membership rewards. Both agents told me that since my account was closed, I have lost my reward points entirely and that the 90-day deadline did not apply! I feel like AmEx has given me the runaround for two months now. I am extremely disappointed and feel ripped off. Bottom line is I paid for and earned these points and do not feel AmEx has the right to steal them from me when I haven't done anything wrong. I have been loyal to them. It's one thing to not pay your bill but I have never neglected not to pay it. Canceling my card because they think they aren't going to get paid? For what? I never have a forwarding balance, it's always paid in full.

I called them immediately to get my huge interest rate hike back (17.9%) to my normal rate (9.9%) and they didn't budge. One week later, I received a notice that my card's credit limit was decreased again to an amount of $200 of what I owed them! Needless to say, that didn't help my monthly business spending expenses! Not only did they do this to my business account, they did it to my personal credit card account as well. My business suffered greatly in 2009 and I was late on another payment because of the weekend and my rate went to 29.9% on a 18,000 dollar balance.

I have nobody to blame for my business suffering in 2009 but myself, but they certainly had a huge role in my financial situation related to my business spending availability. Once AMEX lowered my personal card from 50k to 5k, my other two personal credit cards followed suit (2 Visas). American Express is not friendly to small businesses and the hundreds of people and the time spent over the phone with them was worthless. I paid off my two personal accounts with AmEx and closed those accounts. I will never do business with them again and wish there was some way to stop all their tactics they pull to make businesses and people suffer!

This humiliating treatment after 26 years of loyal service with every intent to settle my balance of $4,500 in full in a timely manner. I have a job now and in a position to handle, but AMEX has given me the boot anyway. This is outrageous customer service and deserves legal retribution if it was not so pathetic and ultimately petty by AMEX. I wish there would be a class-action lawsuit for failure to uphold the agreement made with customers to remain in good standing.

I applied for the card using the RSVP code provided in the letter and was immediately accepted. Since receiving the credit card, I have more than exceeded the criteria for receiving the points and have waited the 6 to 8 weeks necessary to apply the points. After calling Customer Service four times and being told each time that the points would be applied, I got a call today telling me that the Membership Rewards Department denied my points because they need to see the letter that I received in the mail three months ago! Apparently, they don't have the offer code on record, they don't attach the offer codes to the account, and keep no record of the promises that they make in these pre-approved offers.

I thought American Express was a trustworthy company and I have used their card and paid my bills on time. This is the thanks that I get? Where I come from, that's called Bait and Switch. I was lured into applying for the card under false pretenses and I'm pretty sure that's illegal. Shame on you, American Express! I will never use this company for anything ever again. There are no damages other than I lost faith in what I thought was a good company. I have spent money on this card thinking that I would get something in return - over $4000.

American Express has to let me know by email or online notification (there is no message online even when we have online accounts set up), or decline the charge or at least give some type of time for end users to receive such a letter. They put me on $1,050 monthly payment. At first, I thought it is a win win situation. The payment is much higher than the flexible payment would have been, but still I accepted since I pay my bills in a few months anyway. However, no one told me that this payment plan is still going to be reported to Credit Bureaus as 30, 60, 90 day past dues, without knowing I am 210 days past due and has drastically lowered my score. If I would have known this, I wouldn't have agreed to payment plan. In addition to the credit report, my chances of getting any type of credit card and getting a job has been affected.

They held $45,000.00 from me for 8 days and I have asked them to close the account. Actually, I have to go back to my client and request they pay me the $45,000 in some other fashion. I no longer accept AX cards.

So I rang them and said I don’t need my card. They said ok since you have received a goodwill credit, we can close your card; however, you will be invoiced the goodwill credit so that the card will be reversed. I said what? They said since I had received the good will credit I would have to stay for 12 months before they can officially give me the goodwill credit with no strings attached. After hefty conversation with the supervisor, who sounded like they were just sitting on their throne and I could not do anything, and the fact I was screaming down the phone saying you must be running some kind of scam by locking customers into a card for a 12-month period, they came to the end that I would firstly stay for a 6-month period then change it to a 3-month period after the goodwill credit. What a dishonest way of customer retention. I said I will not be recommending AMX if anybody asked. I have to retain a card I don’t want to receive what AMX call a goodwill credit for being a long term member.

We continued to make payments to pay off the account and last month we made what we thought would be our last payment. We paid online and at least two weeks before the due date only to receive a statement this month with us still owing $90 in interest! I called and asked AmEx to write off the interest only to be told "no". So now I really know that AmEx does not care about the consumer at all. What a horrible company to deal with!

When I contacted American Express, I was told that they were going to look into the problem. I ended traveling and after returning, I contacted Amex again and I was told that I never contacted the airline (?) and that the tickets did not have any restrictions. I sent a letter to Amex with the following attachments: photocopy of the tickets issued by their travel agency, photocopy of the airline regulations with respect to fares, in which it read very clear that the fare in question was not upgradable. As of today (more that a year went by), they are still giving me the round around and not taking responsibility for their mistake.

I stopped using the card as many places in Europe don't take AMEX. Nearly 8 mos. later, I receive a statement with the disputed charges put back on the card and interest that had accumulated those 6 mos. Now this was all back in 2007, until today none of my voice messages on their # have been returned. They cancelled the card, kept all my points (a huge amount) and sent the balance to a credit collection company. They informed me this wasn't a matter for them and sent my collection back to AMEX, mind you it was less than $100. I wrote 2 letters, continued calling the 877 number but I was always being routed to India or the Philippines. No offense but their English is minimal to say the least. However, they did calmly try to help me.

Unsuccessful, as they can only type a message into the system and wait for it to reach the US database. At this point, I probably have spent hundreds of dollars on calling as it is not toll-free from Europe. Although, I live in Europe I may want to return home one day and this is now on my credit report. I did some researching on the web for varies telephone numbers to get a native English speaker in the USA. Well, let me tell you when I did, I wish I hadn't. Not only were they rude, but I was placed on hold sometime for 1/2 hr, hung up on and today "Joanna" if that is her real name, told me she was frustrated and had the bold nerves to tell me she was aggravated and kept cutting me off. I was so happy to get someone in the states after trying for 18 months and this was the service I got. I am totally disgusted by AMEX.

The remaining $400+ was denied by AmEx since they claim all deductibles are covered by your own insurance company. I have submitted documents showing that SafeCo in Texas does not cover deductibles. I cannot get AmEx to respond to my letters requesting payment. SafeCo made several attempts to get a response from them, as well. No calls, no letters, no emails. I will make one more attempt and then cancel the card. American Express is not what it used to be!

My call was transferred to a supervisor/floor manager by the name of Susan stating that I "misunderstood the payment plan" and that I need to make a payment that same day and if I do not, I will be kicked out of the program. Susan said that "the payment arrangements were all a misperception." I never misunderstood the agreed payment plan. I wrote it all down the day I spoke with Dennise and I was treated very rudely or shall I say coldly by Susan. I am foreigner and I feel that she has no customer skills. English is not my first language so that perhaps made me an easy target for her to talk to me like I was a waste of her time. I asked to speak to her boss. She replied that she has no one above her and I, therefore, told her, "So you hired yourself?" Anyhow, nothing's been resolved yet. I wanted to share this story so people out there will know about how horrific American Express is with customers/people who feed them.

I feel that they have you in the palm of their hands and no customer service whatsoever. They have even begun calling my personal home phone number to "harass" me for a payment when I haven't seen the bill yet. I am disgusted and cannot run my business the way I need to. I have plans to cancel this card.

One person said that I should have noticed missing a month's bill and just paid it without the statement. I told her we were in the process of an interstate move, and I was not concentrating on what bills I did not receive! They continue to call our house on a regular basis, but will not speak to me, only to my husband who is never home when they call. He has been in Afghanistan more than home since we moved here. I can't believe they are still calling us over this paltry amount. What terrible business practices! AmEx listed our credit, which I'm sure caused us to pay more for our mortgages. I put an explanation on the credit report, but I doubt that anyone reads it.

In July 2009, my new card was declined, and when I called AmEx, they said that card was canceled because of nonpayment on the old canceled card. I called about my membership rewards points and was told by the first representative that I would have 30 days to redeem and would receive a letter informing me of that.

When I didn't receive the letter, I called again and was told the first rep was not correct and that I would have 90 days. My points still showed 0 on the AmEx website, and the cards showed "canceled." Finally, I received notice from AmEx that the charges on the old card had been removed. Both cards were now paid off.

I called again and was told the points remained forfeited and that I should write customer service in Ft Lauderdale asking for reinstatement. I did so, explaining the whole situation to them by certified mail. Yesterday, I received a computer-generated form letter from EL Paso saying my card was canceled and the points were forfeited. If any of the early posters have successfully resolved a similar forfeiture, please let me know.

Today is the first time I have spoken to a person who spoke fluent English since I have had this card. I think they are getting a lot of complaints, and they better look out. My mom has been with them for over 40 years. If she did not have all the points on her card, she probably would have left them by now. Paying this outrageous interest when I have no job is painful, I will not forget. I will not ever have anything good to say about American Express ever again.

So what this means is that I have lost $14,000 in credit. I normally charge around 4k per month and have paid the balance in full each month. I now understand why so many merchants don't accept AMX. Mr. Alfred K, President of AMX, needs to get in the trenches and out of the clouds to get this once great company back the way Buffett, Well, and Fargo originally set it up or their 27% share of the credit market will diminish. Outsourcing their customer service to India may have saved them money in the short term, but I predict that that will come back to bite them in the butt. The CSR's in India do not have the compassion and don't understand loyalty.

However, in addition to the returned check fee, American Express also raised my interest rate from 9.4% to 27.24% even though I made the required payment for the sole reason the check was returned. (My account was current.) I explained it to the representative at American Express, and they refused to return the interest rate back to the 9.4% or lower it in any way. This was all due to Chase's inappropriate use of the promotional checks. If they were not going to honor the checks, then why send them? I received another promotional offer in the mail on Friday from Chase for the same account.

They have caused financial damage to my credit report, and it clearly was not due to my payment history with Chase, American Express or Discover. All my accounts are current. I carefully monitor all my accounts and pay most of them on automatic bill pay. I have subsequently paid off the Discover card through another source. I will also find a way to pay off the American Express card so as not to incur these dramatically unfair rates, particularly since I have always paid my bills on time over several years.

My business JetBlue is now paid off by the end of this month so it will be my personal account. My small company processes AmEx payments around $10k a month. As of now, I still am accepting AmEx as a form of payment at my business. I would like to advise you the consequences of your reckless behavior on my business and my personal credit. Other credit card followed suit along my credit report, which is still until now spotless. My buying power has diminished and almost disappeared. During the economic situation that we are all living through, it could have not been a worst time for this to happen. I feel that AmEx betrayed me and my business and owes both an apology and some sort of compensation to fix the damage done.

I am giving you this opportunity to do the right thing by me before I take this story to the media. I will aggressively make an effort to find others you treated the same. I am sure they are out there. I will contact FCRA and an attorney to start a class lawsuit against your company. I will wait for your response but not for long.

"In reviewing our records, we have found that your American Express card account(s) have been cancelled. As outlined in the terms and conditions, when all cards are cancelled from the American Express franchise, the Membership Rewards account is automatically cancelled and all points immediately forfeited".

I have heard that was how American Express has done with other people. The account was cancelled by them, not by me even when they said that after I covered my balance, everything will continue as usual with my account. Please let me know if there is something else I can do. I'll support a class action suit against American Express.

In call centers, every call is recorded. They can be pulled by representative, time, and date. I hope Warren Buffett realizes that this company is not one that has anything they can pull out of the vault with any magic. Credit scores have nothing to do with our situation. It was just one event - a 12-day late payment. Unless recently redeemed, rewards points factor into the AMEX equation?

To make matters worse, I was planning a trip for Christmas and I was told that in order to use the companion ticket (which I have paid $150 for annually), I would have to use the AmEx card, which was no longer offering me credit. I can't buy the tickets now for me and my spouse to travel for Christmas even though AmEx charged me - and a customer service supervisor named Rob in Toronto refused to reimburse me for it. My suspicion is that AmEx discovered I had lost my job, and thus considered me a risk. My balances and payments have been the same.

On this Nov 8th, it happened again. They logged on the site and changed the contact email address for the account to an erroneous email that I do not have contact or access to **@**.com. I have no information from police. No information from AmEx. I am convinced their information databases that hold my data are being compromised either through their website, calling in or a collection of things. I just don't know and no one will help me. AmEx has been nice but gives me no information. I have someone with enough personal info to impersonate me and have no information to prevent that.

Please allow me to explain the sequence of events that led your company to dismiss a loyal card holder for 24 years. Former residence on file at AX was ** Suitland, MD 20746. I moved out of this residence in early September 2009. Mail was forwarded to the new address. I did not change the address with AX until October 2009. Bills were forwarded late to the new residence. I called AX and paid online late charges on October 20, 2009. I explained the late payment reason (recently moved), provided the new address and asked for a change. I reviewed the bill with representative and discovered the discrepancy, then initiated an inquiry. I was informed that all was fine and that I would receive a credit and a letter confirming the inquiry request. On October 31, 2009, I tried to use the platinum card - it was denied. I called AX and was told that bad credit, late payment was the reason.

The following is the part where a complaint was lodged against your representative. I was transferred to a service representative who was rude and had absolutely no customer service skills. Jazmin, AX representative explained to me that there were many inquiries on my credit report, and that I had been behind on my AX card. I explained the moving issue, I explained that I had paid on October 20, 2009. I explained that were no issues and the accounts were up to date. She said that there was nothing she could do for me; the account was closed, period.

She asked me if I wanted to retry opening and I said, of course. She returned immediately and said it was disapproved and that I would be charged $25. By then I gave up. I was not getting anywhere except aggravated and more upset. What happened next was that I became concerned that maybe there had been issues on my credit report that I was not aware of, so I requested my report. I reviewed it, verified that all was well, credit rating 746, all was fine. So what made AX decide to end our business relationship? How is it that no one called me to alert me there was a problem? I verified the email on file and it was good.

I have only one credit card until October 31, 2009, American Express Platinum. I earned $118,000.00 a year with the federal government. I receive army retirement annuity $3,000.00 monthly. I own my home, never had a blemish on my credit history. I shall provide you with my credit report and copies of the statement envelopes attesting that the mail was forwarded.

Please reconsider your decision, in principle, based on your vision towards customer service commitment:

3. Bringing integrity and fairness to all our dealings with our Cardmembers.

"We have always provided our customers with the insights, information and tools they need to monitor and manage spending on their Cards. Over the coming months, we will be introducing a number of service enhancements designed to help Cardmembers better manage their spending in this economic crisis. We will: 1. Expand our online tools to help Cardmembers actively manage spending on their American Express Cards; 2. Help Cardmembers better understand and protect their credit profiles; 3. Provide even more timely communication when we make decisions that affect Cardmember accounts."

Thanks.

I tried to email them but when I logged in to my account, you have to do this in order to send an email. The system would not even let me write a message! How nice to be treated this way after twenty years of paying the $450 a year membership fee and never missing a payment! What's funny is that I called them about a month ago to make sure my account was okay because I was about to travel internationally and they told me, "Mr. **, your account is in perfect order." Can you believe it? Wow, what personalized service! They did not even have the decency to call me and ask what was going on or even to say my account was canceled. They just left me to be terribly embarrassed. AmEx is without a doubt the most unprofessional company that I have ever dealt with.