SHELTON, WASHINGTON -- Last July I was looking at my bill, and noticed that on my two balance transfers, they were crediting the one with zero until 2016, instead of the zero one that would expire in Sept. 2015. The agent said he did not understand why "they" were doing that, and so, said he would fix it, and have the payments applied correctly. He also suggested I close one of the AE accounts and take another balance transfer at zero to pay the prior ones amount. So, deposited a transfer into my checking, and then paid off underlying one that had interest. He said he would make the corrections for AE misapplying the credit to lessor interest account.
In December I was looking at my statement and I owed more than the month before on that initial account, and the longer zero interest rates were being credited my overages. I was furious. I called them and the lady said she was aware that that had been happening and she would look into it... When she got back to me, she admitted that I was correct, and the $80 plus interest I had been paying since September should have been around $14.00, and the $7000+ they had listed should be around $3000. I disagreed with her as I had done the math over the past year and told her it should be more like $1200, and my zero interest should be intact for amount transferred.
She said she would fix it, and since I heard that before, I told her I wanted a full accounting of the credits (not just a statement) and I wanted to speak to a manager. This is fraudulent behavior as they were aware of, didn't notify the customer of the errors, and had I not seen it happen this second time, would still be paying interest on an incorrect amount to their benefit. How is this not lawsuit worthy? Patrons of AE need to be made aware of this sleight of hand. Fraudulent in all aspects... knew of the errors, didn't research and inform patrons, once identified, continued to do the same, and say "oops" again. Check into this people!
Amex is the worst credit card company with their worst customer support. No other customer support compete their employees and their disrespect towards customers. Here is my experience, recently applied my Amex credit card and it was hacked and was under fraudulent. I called Amex and requested them to decline transactions and close my card and send me a new card. Instead they told me to provide my identification which is a an hour work to send them a notary and supportive documents to prove my identity, but this notary has to be done on their which it took 7 days to send me.
And in meantime they allowed more fraudulent transactions instead of freezing my account and still I have been calling them and they are switching me across teams as if they are going to provide me a solution. I lost confidence on them as their employees doesn't know how to deal with customers and they are least concerned about us. Worst customer service and worst credit card company ever!!!
SALT LAKE CITY, UTAH -- As loyal customers of over eight years with American Express, my spouse and I write to complain on their disinterest in retaining us. I spoke with a customer service agent on 3/15/2015 about a balance payment I scheduled on that day to prevent the accrual of interest charges. The agent assured me that American Express will not charge interest since I had made a good-faith effort to pay the balance, and issued a confirmation number. However, the statement on 3/18/2015 showed an interest charge, and when I called customer service again on 3/22/2015, both the agent and the agent's supervisor insisted that they will not honor the prior agent's assurance.
When I asked the supervisor to include a note that "...my continued business with American Express will depend on the company's willingness to accommodate requests by longstanding customers..." she instead explained the contract document to me.
I am hopeful that, as a company dedicated to retaining existing customers, they would (1) alert customer service to avoid a defensive communication style with customers; (2) allow the billing/customer service departments to waive interest charges in especial cases; and (3) ensure that customer service agents honor prior commitments. I also note, that in my nine years as a customer, this amounts to the first instance I accrued an interest charge.
CALIFORNIA -- American express is a scam. They sold me on mileage and travel saying if I spent 5k it would pay for a flight to Vegas and after spending over $5,000 they are only crediting me a $14 discount. Not worth your time or money. Any bank card will give you a better deal. I have been trying to cancel my card for an hour on the phone and they have hung up on me 3 times.
I've been enrolled in this Premier rewards card for five months, attracted by that opening card bonus of 50000 points. What a fool I was. Yes, I got those points but haven't used them yet (to tell you what, use them immediately once you get it or you'll never be able to).
This month, I got an email saying there's a security issue with my card and they need me to contact them immediately. I gave them a call and they put me through a bothering process to verify my identity with BOA, however, the moment I finished that, the girl on the other side told me: "Oh, your identity is still not verified, another team will contact you for that." Why, then why did you make me contact my banker of BOA and go through this process? They refused to tell you the reason. Fine, I have patience. Let's see.
The other day, I got another email saying exactly the same thing as if I had never called them. So I called them again and this time they need me to verify another bank relationship, ok! I gave them Citibank. The Citibank lady was very nice to help me go through the process and thanked me for being a loyal and nice member. HOWEVER, the AMEX lady was not satisfied. She told me she still can't verify my identity and need me to find my bankers and get their signature. DAMN YOU!
Then why did you let me go through the whole process, I only have one hour lunch break and there was no time left for me to have lunch with all of your **. Not to mention both banks proved all my info correct. COME ON, I AM A REAL PERSON! And again they refuse to tell me what the security issue is and why with two banks' guarantee, I'm still not a trustworthy person!
Also, it's not long since I got those bonus points, so I wonder if they just want me to cancel the card so they get all my money for their purpose and don't have to give me the bonus. And the bank statement is a total mess. I paid in full but the amount I paid somehow becomes what I owe them, so what is showed on their website is I need to pay twice the amount of money as before. I'm SPEECHLESS. I've never had this awful experience with any bank in the world. I decide to cancel this card and never use AMEX again, they really know how to piss people off.
TAMPA, FLORIDA -- This is how the story goes. I've been a AMEX member since 1996, always paying the full balance when due, always!!! But, I decided to get their Costco AMEX because it made it easy for me to shop there. Within a month and a half of having this particular Amex, they notified me that my account was being cancelled (note I had never ever been late) and gave me too many reasons to list. So trying to make sense of it all, I called them to no avail. They said they would not re-instate the account.
So I continued to make my payments on time as always, until March of this year when I decided I did not want any more debt and paid the balance in FULL, even a little more so that it would take care of any interest the account could have accrued.
To my surprise and being sure I did not owe them a penny, I checked my account online, did not see any balance, so I dismissed the following statements (April), until a week ago I get a notification from a credit bureau letting me know that an account had reported me delinquent. Somehow, I knew, that it had to be American Express, so I got online and checked my account, and sure enough, there was a balance of $3.96 past due. Called them and they took care of it, denying they were the ones who had reported me late and therefore delinquent.
I just received a copy of my credit report, and what do I find out? That American Express, not only had reported my delinquent for $3.96, but that my cancelled account had been sent to the collections department (something they still deny). I tried to have them help me fix the situation with the credit bureau, and their answer was: since my account had been closed by them, that I would have to take care of it on my own. Once you are not a "member" anymore, you've fallen out of grace with them and you are treated poorly. Sad but true story.
I had been with my company for 8 years before a recent layoff. American Express was the company card provided. That will be the last time I EVER have a card through Amex. Received a phone call out of the blue yesterday from an extremely rude customer representative that was outright harassing! I used my card almost daily for the last 8 years and now there is a balance due that was not taken care of by my company.
I called today, to take care of the balance and tried to discuss my fees and was told it was my fault and nothing could be done. I understand if I was trying to get out of something but I was trying to get an explanation and was made to feel like an idiot. My credit score is over 750 so it's not like I don't pay my bills. This was the worst experience I have ever had with ANY company. I will tell anyone I know to get rid of their Amex cards. They are terrible to work with!
PORTLAND, OREGON -- I called to make a payment by phone as I have done for the past year because they were not posting my checks on time. This month they had not posted the prior month's payment from their automated system. They made this my fault because they had not debited my checking account. I should have noticed it. What?? Not only that, they charged a late fee and issued a late payment report to credit agencies. Never having been late in 35 years, rather than call or mail or send a late statement, they did that instead. This was AFTER I had paid by phone.
Their customer service people are global (IE not in the US and are not at all helpful anymore). The "I'm sorry, there is nothing we can do Mr. **" didn't earn much respect or admiration from me. Not only that they will not send checks for credits to my account for 90 freaking days! What kind of company are they running anyway?
NY, NEW YORK -- On February 14, 2014 I made a payment to AT&T and had the funds in my account to make that payment. SERVE put the payment on hold and then blamed the merchant who didn't get the money. After 7 days my money was no longer in my account. When I called to find out what happened the customer service said they could find no record of the transaction. I told them I had a screenshot I made of the website 4 days earlier and then claimed it was a glitch not theft.
When I tried to find out how I could make a complaint I was told in no uncertain terms that they had no complaint department and if I wanted to pursue this I would have to take it up with the Texas banking commission. SERVE employees are stealing your money. Use SERVE at your own risk.
I have been a member since 1993. I have a Blue and Green card. I can honestly say in the past there have been a few times that I have had to call and let AMEX know I would be a little late making a payment and they were always so accommodating. Great customer service. This past December I had an issue paying some of my other creditors but was current with AMEX and right before Christmas AMEX cut my spending limit way back right after I made my timely payment to them. My other creditors whom I called and made payment arrangements with were ALL accommodating.
Now several weeks later ALL are caught up and several have been paid off completely. After 21 years my longest creditor did not stand by me during this short credit glitch even though they were paid. Their action and particularly their timing (right before Christmas) I found to be shameful and reprehensible. AMEX you lost a customer that others are happy to take.