American Express Black Card

In total, between three businesses and my personal accounts, I have 12 credit cards and do business with 8 different banks and credit unions. I had three AMEX credit cards. Now I'm down to two, soon to be just my personal, and, maybe, none if AMEX doesn't start acting like a respectable company again. In the past 20 years, I cannot recall any major issue I had with any of my VISA, MASTERCARD, or DISCOVER accounts. I had to dispute a few charges a handful of times out of the thousands of transactions I did, but they were all quickly rectified by the credit card company.

However, from May of 2020 to March of 2021, I had four issues with business American Express cards, in particular, their Amazon Business card and their Bonvoy Marriott card, ranging from them protecting unethical businesses, I proved, through email evidence, had charged me unjustified fees for services not rendered to cutting my business credit lines from $65,000 to less than $9,000 because they felt that 'I was living off my credit cards' to rewards points being all screwed up. After calling and emailing numerous times unsuccessfully, I filed a formal complaint via email and through the website, left a negative review on several websites, and then, for good measure, sent a certified letter to their corporate office just to make certain somebody over there knew how ** I was. I even called my attorney.

I was called a few days later by an "Executive Assistant" Naomi C., who explained that she had received my letter and would be looking into the matters. After a few weeks of sporadic contact, Ms. C. finally called me Christmas Eve morning to give me triple bad news. She was obviously annoyed to be working Christmas Eve and made several comments that were eyebrow-raising, my three favorites were; one, that the unethical companies I was disputing were also defined as "American Express clients" because they initiated the non-fraudulent transactions through my credit card. Two, that I looked to be "Living off my credit cards". And, three, that she was looking forward to going on a vacation through January 5th as soon as she finished my file along with some others.

The only good piece of advice Ms. C. gave me is that I could combine the credit limits of my now two practically worthless business cards. Unfortunately, a few months later, another rep I dealt with for that, instead of combining the accounts and then closing them, simply closed one account and didn’t do the transfer at all. A few week later, when I called again, I was then told by a third rep that it wasn’t that rep's fault, but my fault because I didn’t ensure the account remained open until after the transfer was completed. Hmmm… am I supposed to be psychic and a babysitter as an AMEX customer? When you specifically tell someone not to close an account until after the transfer has been completed and they acknowledge you then ignore your request behind your back, how am I reasonably at fault?

Whoever from American Express who may be reading this, here's my response to Ms. C’s eyebrow raising remarks: Your "other clients" are criminals that wrongfully charged me $2,000.00 for services that were not rendered, I'm not "Living off my credit cards" (especially NOT your company’s anymore), in fact, I paid them all down to zero last month (Closing one of yours, which another rep screwed up the credit transfer for so I lost the remaining 9K of credit) and currently have a credit score over 800 and, I hope Ms. C. enjoyed her holiday vacation because she put an unnecessary damper on mine by calling Christmas Eve with no good news (Shame on American Express for making non-essential employees work holidays).

Furthermore, I wrote Ms. C. an email last week to update her and pass on some much-needed guidance to this company. I received no response. Apparently certified mail to one of the company executives is the only thing that's taken seriously over there and, even then, an executive will not be calling to apologize for multiple screw ups on a business account, they’ll cowardly pass that duty on to someone who’s obviously already overworked, overwhelmed, and, possibly, unqualified to be interacting with the public.

WARNING: For anyone reading this, the "business guarantee" American Express champions on so much advertising that they will fight on your behalf when a vendor mischarges you, well, I didn't see that at all. I saw the opposite. Furthermore, their interest rates are ridiculous, their rewards points incentives are shrinking rapidly, their grace periods between payments is a joke at about three weeks, and their customer service… well, quite frankly, their customer service I rate a 2 out of 10. American Express, do you want to fix this?!

James

Today on my bill I see a rebill for half the amount...over $1000. The furniture company says they’re charging re-stocking and delivery. I’m sorry, not when you scammed me! I called Amex and told them, "I kept you updated all along". They said yeah, but they responded with a policy of restocking fees! This bed has a picture online of being 68 inches high and holding 250 lbs. The beds that came were toddler sized. False advertising, internet scam, whatever you want to label it, those people don’t get to charge me over $1000 for lying! I have nothing of theirs but one big fat hassle and two months of my boys sleeping on mattresses on the floor waiting for Toddler size beds? I am Amex’s Customer. They are supposed to ‘have my back’ and offer me protection against internet fraud and scams and bad deals. That’s why I use a credit card in the first place. I won’t be using this one any longer.

July 14 2016, called AMEX. Told them I want to do a balance transfer from my Helzberg/Cap One for $1000 + a $30 dollar fee. July 16 2016, approved my AMEX, in writing via USPS mail. July 18 through 30th, no payment to Helzberg/Cap One posted. Called AMEX three times between those 3 dates, and Cap One. Everyone gives me the ol', "It can take up to 10 business days." July 27 2016, AMEX shows a balance of $1,030. August 11 2016, No payment made to Helzberg/Cap One.

So now I am going to get some of you together and we will ask Senator Elizabeth Warren to open a Senate hearing and drag Diego Paul Fabara's little butt down to the Senate floor and drill the truth as to why this particular section of AMEX has much higher profit margins than any other secured type debit prepaid than any other competitor in its FIELD. We will also join together as a CLASS ACTION AGAINST DIEGO's (named personally) entire Supervisory Board of this POS company for an undisclosed 9 figure sum of reward.