American Express Black Card

I placed an order for furniture (two teen beds) with Coleman furniture. I had been getting the run around for weeks and suspected an internet scam so called Amex customer service and they said, "Let’s open a dispute. They may respond, then the dispute can be dropped, or you’ll get your money back". Sure enough, I heard from the company quickly...they were now eager to deliver the furniture. It still took another month so I did not drop my dispute. Two months after being charged, the furniture was delivered. The delivery guys brought it all in, then proceeded to build it. A half hour in, they came to get me and showed me the furniture (they were an independent delivery company). The furniture was toddler sized. Dimensions online were teen sized. They said they will pack it all back up and take it back. I called Amex to update them on the dispute. They said, “No problem as we credited you that amount anyway.”

I received my 1st direct deposit from my employer on 1/18/18 and someone sent 2 money transfers to 2 different Gmail accounts on 1/19/18. I contacted American Express on 1/19/18 as soon as I received a low balance alert on my phone. They said they would investigate. After 5 days I contacted them again and they said I was in violation of section 15d of the user agreement. (Fraudulent activity on the account) That's what I called them to report. On February 3 I received a check for 64 cents stating I had elected to close my account. I never told them to close my account and when I call now I get a customer NO service rep who told me my account is closed and they cannot access any information about my original claim that was declined by American Express due to section 15d Fraudulent Activity. So much for your funds being insured. I am still waiting for a reasonable explanation.

AMEX claims the payment was sent, yet Cap One did not receive it. AMEX customer service advised they would retract the payment, however will not disclose information such as check information to provide to CapOne so they may investigate where this money is. I have spent 6 hours in phone calls over the last 30 day period following up on this matter to get absolutely nowhere. This balance transfer has been a nightmare. Over 20 business days, and no one knows what is going on. To top it off, I now have a balance of 1k with each company and nothing to show for it!!!

I just had my tax 6000 USD refund go to my Serve card. Never really used it much but now using it a lot. My last transaction was to pay my Capital One Card 1000 USD using their so called "Bill Pay Option". They removed the 1000 USD on May 29, 2016 09:47 hrs. Still shows in the online website as expected Pay date of July 5th 2016. It is now the 11th and Capital One say they have never received such a payment. Had to pay for rental car on the 9th thus the reason for making sure card payment was there on time. Called AMEX every day for 7 days. Was told 7 different LIES BY 7 DIFFERENT SO CALLED SUPERVISORS. TODAY TOLD BY HEAD ** IN-CHARGE OF ENTIRE FLOOR named Travis (not real name just made up lies) that an investigation was opened into where the money is and could take up to... get this...45 days.

I will never do Banking again with Centurion. I go into my local branch of Bank of America, planning to send my sister $100 for Christmas, since she can get home from Paris for Christmas. The manager tells me he regrets to inform me that they do not do business with Centurion banks, it's because they don't follow US banking regulations because they're out of the Philippines and are not required to. I thought this was ** until I talked my sister, she told me that she'd encountered the same thing when she tried to transfer money from Centurion. So, when did American Express move to the Philippines? They need to call themselves Philippine Express...

Don't make a mistake and get one of these serve cards from amex because they totally screwed up my direct deposit and they use offshore call centers with people that can't help you or speak English. They damaged my credit with my car dealer .

My account was sent to IRS, and we are being audited. The account # is **, and closed. American Express Centurion Bank sent IRS electronically for transaction date of 1/16/2009. We turned this account to Debit company, to pay all my bills. We contacted those companies and paid them. We have never lived in West Palm Beach. The account states the amount of $1,5171. the place address is 1645 Palm Beach Lake blvd ste. 480. zip 33401-0000. I need someone to notify me about this issue.

American Express filed a lawsuit against me, stating they were a bank called Centurian Bank. I guess this is a way around unsecured, versus secured credit.

They did not try to negotiate, nor ask me what the problem was. I wonder if this is legal? Judgement was filed against me, as a secured debt.

They put ad on web to give home loan at 4.36% etc. I am in the process of buying house. I sent them my paper work thru email. Initially, they called but after that never responded. They have all my personal information, taxes, bank statements. Please tell them delete my records. I have sent email but no response.

I have two American Express cards, business and personal. (Centurian Bank). For years I paid their required minimum due monthly of $2000 to $4000 per month In November I lost my income. I entered a Care Credit program with American Express, and did receive a confirmation letter. The Care Credit is for hardship. It is a way to preserve credit and pay them their money when you are out of work or broke. Under the program rules, as long as my payments are on time, I will not be kicked off the program, reported to credit or have finance charges and late fees accumulate. I MADE EVERY PAYMENT ON TIME AND HAVE WRITTEN RECEIPT PROOF. In February they sent me a letter (2 of them) that I was kicked off the program for missing a payment. I called customer support and was shifted through 4 representatives telling me that my payments were in fact on time and they have no idea why I was kicked off. I sent American Express a certified letter explaining their mistake and telling them I do have all my receipts. In return, today, March 2nd, I received a call from Nationwide Credit Collections Company. They turned me into collections. I want to continue to pay them per THEIR agreement. They have made a mistake and fail to ackolwedge it. The collections amount they turned me in for is higher than my monthly salary. I have all my receipts and proof that I honoured their agreement. I did report them to the Fair Trade Commission, and am contacting the Federal Government. They are damaging my credit and causing me undue stress, for no reason...especially when I want to pay them.

My story is exactly the same as many of your AMEX card holders have reported. I have really good credit, never paid late with AMEX. Had 3 AMEX business cards for 6 years. Had very high credit limits. In the past 30 days, all my accounts with AMEX have been cancelled without warning. Their explanation was that my credit wasn't good enough and some other excuses, which none of them made sense.

American Express offered my a card and the offer to transfer balances for 1.99%, which I did. After paying my bills ON TIME for a year, I received a letter stating that my credit limit was lowered (amazingly to the amount I owed) and my interest rate (as of next week) would be 28.99%. Outrageous!!!

Where do I begin? My husband and I have been AmEx cardholders for almost 4 years. We have never been late in payment, and have in the past made payments in the thousands of dollars to keep our used credit limit low. As a result, AmEx always increased our credit limit. We were happy with their services and got another AmEx card. Now that times are harder, we have recently only been able to make minimum payments. We wanted to hang on to our cash for as long as possible in tough times. Again, we never missed a payment, and we had stopped using any credit cards at all. In short, WE DID NOTHING WRONG. One day we received a notice in the mail that AmEx had reduced the credit limit on one of our cards by thousands of dollars so that now we had officially maxed out the card. We are not idiots, and we realized that having a card maxed out on our credit was not a good thing. We called to complain. We were tossed around to 6 different individuals, and each promised to call back. No one ever did. We followed up and were tossed around some more and promised a call back again. Finally, we spoke with someone who rudely and nastily told us that there was nothing AmEx was going to do about it. In the meantime, now that our card was officially maxed out, they jacked up the interest rate to nearly 30% on the balance. Our minimum payment DOUBLED. We decided to pay off the balance in full on our OTHER AmEx credit card (it was about 4500 bucks) . . . as soon as we did so, they reduced our credit limit to 2400 bucks. Reliable, long-term customers who had never done anything wrong are worth nothing to AmEx. They abuse people who will pay out of fear that their credit will be affected. Jacking up interest rates and minimum payments so that good, hardworking Americans suffer and put more money into the coffers at AmEx to make up for the people who have stopped making payments altogether. It's disgusting, and I wish we could earnestly do something about it. This is PREDATORY. AmEx should be thrust into the national spotlight for the things they do to people who are trying to get through the tough times, responsibly cease using credit cards, and continue to make at least the minimum payment on time and with good faith. CAN WE EVEN DO ANYTHING ABOUT THIS!?

This is SO bizarre. I got a letter from American Express dated 9/26/08. In it, they tell me they are lowering my credit limit and here is the part that shocked me. One of the reasons they gave was this: "The credit risk associated with customers who previously had residential loan(s) with lender(s) as indicated in your credit report." WTF??? I am reading this to mean that they don't like my mortgage lender. I don't like them either, but I am not behind in my mortgage, am not behind in my AMEX payments... This is just so strange. It appears that we are all now being vilified for the bad behavior of the failing mortgage banks! My particular bank is Downey Savings. I did not know they were a poor choice when I was offered a refinance through them three years ago. We took out a 70% loan to value ratio loan, feeling that we had a great cushion for the future, and now of course our house may not even be worth what we owe on it. And yes, it's one of those awful adjustable ARM loans, but we haven't missed payments and make the right choice each month as to which payment choice we make.

After 15 years of having AX, paying all my bills on time and having a large amount of credit, I was surprised my cc was declined for $200.00. I called to find out why since everything I checked in my account was good. I was told by customer service agent they denied it because I had cards from other companies. I was stunned and asked to talk to the manager. I was refused, when I told her I had a right to speak with the manager, I was put on hold. After she came back, she said her manager was busy and she/he would call me shortly getting my telephone number. They never called, never responded. It adds up to the highest interest pay than any other credit cards I pay monthly to them.

Once upon a time I was using an American Express Credit card for which after cancellation I paid the money demanded by the bank. Still the bank has submitted my name in the CIBIL defaulters list. Now they as per the information submitted by them is showing overdue amount. At the time of taking payments they didnt told me to give the above mentioned amount.

We incurred a loss of 52% due to mismanagement of our portfolio while we were paying $200-$400+ monthly management fees to American Express. We did not receive the expert advice expected of an American Express Certified Financial Planner to protect our portfolio during volatile times. American Express and our Certified Financial Planner were not looking after our best interests.