American Express Platinum Cards

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American Express Cut My Credit Limit And Damaged My Credit
Posted by on
FLORIDA -- I would like to file a complaint regarding American Express. I am a small business owner and I am extremely particular about my credit. With a lot of hard work, years in the making, my credit score was nearly perfect.

Because of the flexibility of the American Express Platinum card and it’s advertised “no preset spending limit”. This is advertised on all of there web sites, TV and print advertising.

Airport Club Access
Exclusive amenities at boutique, resort, and luxury hotels
Platinum Travel Service
No pre-set spending limit
The Membership Rewards First® program
Platinum Card Concierge Service
By Invitation Only® Events

I applied for and received this card and paid a very high annual fee ($450.00 PLUS $250 for each additional card holder) for this privilege so that I could use it for larger purchases.

Later, because we are launching a new business I also ordered anther American Express revolving card and a line of credit account. All accounts were solely based on personal credit and I was told that up front.

American Express extended numerous solicitations on the platinum card to pay some of my purchases over time. You were instructed to request to pay over time and then they would take several days to approve. In order to help finance my new business, I also took advantage of that offer.

I paid fully and on time according to the terms of my agreement. I never made a payment late. I had only used a percentage of the credit available to me on the line of credit and the revolving card as they came with a preset limit that I was given in writing.

I purposely kept my spending below the max available so that it would not adversely effect my credit score.

Bait and switch ... I was shocked when my Platinum card was declined for a small purchase. I contacted American Express and was told that they had decided to give me a “credit limit” that was less than my current balance on the card and that I was over their newly imposed limit. They gave me no reason for doing this and gave me no advance notification.

I had recently written a check from the line of credit to cover some other purchases. I had checked the available credit prior to doing this and it was sufficient to cover the check. Several weeks later I received letters in the mail saying they had reduced my limit on my revolving card and my line of credit account.

I called and asked if the check would be honored as I had written it prior to them reducing my limit. They refused to honor it and returned the check. (costing me fees)

Their reason? Because I didn't have a Dunn & Bradstreet number. I've requested a number from Dunn & Bradstreet and have never received one. Yet remember that my line of credit was secured off of my personal credit, not my business credit worthiness.

This matter has had a severely negative impact on my credit score. By reducing the credit limits, it looks as though I was maxed out on my available credit which causes your score to drop dramatically. Not only has it limited my credit line with American Express buy has caused me to be declined by others because of the negative impact on my credit.

Not only is this False and deceptive advertising and “bait and switch” , This is an unethical practice and I feel American Express should be made to honor their agreements. Especially with regard to the fact that they charge exorbitant membership fees for the “privilege” and then renege on the original offers.

I would like my original terms restored immediately and the information corrected with all credit bureaus. I have attached my most recent statement that shows on page 1 the new "pre set line".

This was not on any prior statements but completely contradicts their advertising.

Why would a company focused on customer service treat their best customers this way?

38 Water St.

St. Augustine, Florida 32084



CC:FDIC,Department of Treasurey, Consumer Affairs Department, Office of Thrift Supervision

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tnchuck100 on 05/29/2008:
It appears they have violated their own agreement. If I were you I would consult with an attorney. If they have caused you monetary damages as a result of their breech you may be entitled to punitive damages as well.
Hugh_Jorgen on 05/29/2008:
Re-read your card member agreement - I would be they are within their rights to set a spending limit on your account. With your recent flurry of new activity on the card, their experience tells them that this matches the pattern of someone that's loading a credit card with debt in anticipation of filing for bankruptcy or skipping out on the debt.

I'm not saying that's what you are doing, but that is what your pattern must look like to them. "No pre-set limit" is not the same as "no limit".
tnchuck100 on 05/29/2008:
Hugh, I think the key issue here may be they did not notify her BEFORE their negative actions caused business problems.

Penalizing her for an "appearance" and not actual late pays or failures on her part is simply not right.
Anonymous on 05/29/2008:
I agree with chuck. While it is within a CC issuer's authority to change lines of credit (ALL are doing so in the current economy to limit their exposure to uncollectable accounts), it is abysmal that AE did so without notifying the member. Doing so would have allowed the member to include this information on other credit applications for her business. VH post!
Hugh_Jorgen on 05/29/2008:
I agree that if it was several weeks after she wrote the checks that they decided not to honor them that this was the wrong way for them to do business.

But as far as them judging her creditworthiness based on appearances, well lenders do that all the time. They don't want to wait until you default on a loan - they want to catch it before the default happens.

italianboarder on 06/30/2008:
I understand you completely. Look at the review about Amex I just wrote, prior to reading yours, it's exactly the same case. They are ruining my credit score too and they don't care.
ORFisherman on 07/09/2008:
AMEX Setting Credit Limits - Alienating Customers

I am a 12 year customer of the gold card. I have a perfect payment history and have never had a problem…. until this year. AMEX has started a new policy of averaging your usage for the last 3 months, evaluating your credit score on a monthly basis (a score by the way you cannot obtain without a fee), and then setting limits on your spending. This is whether you have a perfect payment history or not. By doing this, they limit their exposure to risk in the declining economy (in their opinion), however they also alienate perfectly good customers that have been only sporadically using the card and may have recently incurred more debt (like a new car or new house). This is a ridiculous policy and the idiot that came up with it should be fired. Not to mention, I hope someone in the Govt realizes the unfair practice of using a score to decline credit, a score which the consumer has to pay to see. I have seen my “no limits” spending feature dropped from “unlimited” to $21K, to $8K. This is because when they pissed me off the first time by changing from “no-limit” to a $21K limit, I stopped using the card for business travel. Then, as I did use it sporadically, they lowered the limit again because my “average” usage was low. How stupid is that? My recommendation, pass the word along and have everyone you speak to complain. Call them and complain, write them and complain, email them and complain…and…stop using the card! If their usage drops and their complaints rise….someone in AMEX Corporate will get wind of it and hopefully fire the idiot that started the new policy.
avidfoodie on 08/09/2008:
It happen to me, they decreased my credit limit to $3k today. They said it is a new policy. I have charges from $2k to 15k a month because I put all my Biz expense on it. When I get an expense check, I pay it off. This is bull crap. I alway pay my amex card. I think this is happening more and more because they just got downgraded. Using my amex has nothing to do with my other card, nor how much I make.
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American Express Grossly Mistreating Customers
Posted by on
I have had an account with American Express for 6 or 7 years. I switched out of other credit cards to join the Starwood Preferred card, as the benefits were advantageous to my traveling and hotel use.

Just before Thanksgiving I made a large payment to Am EX, $15,000.00. I am not late with payments, and I always pay more than the minimum, but I use the card to get my Starwood points...That's why it was designed that way right?
Anyway, within days of making the $15,000.payment, my credit was reduced to just over what I still owed. They left me about $600. worth of credit to play with.

I was out of town at the time and staying in a hotel w/a rental car. The timing wasn't good and customer service at AM EX was at a abysmal. When I called to ask what was going on, I got a complete run around, was told that my credit had had a significant change and that I had to address it and get back to them. I was on the phone with my 4th service agent by the time this info came down the pipe, and was looking at my credit report as she spoke to me. Well there were no changes, and my rating of 750 seemed to be completely lost on all of the people I spoke with. I asked if I could email the report, and was told no, that I would have to fax it. It is a 17 page report, and even then, despite what my eyes were telling me, they acted as if there were something that they knew about me that I didn't know. As if I had some huge black mark against me, and only their computer was showing it.

So I faxed the report, but not after having lost an entire day on the phone and trying to research what the hell they were talking about. I did manage to speak with a supervisor, who suggested that I take some money and pay down my remaining balance in order to access any further credit. That's helpful, when you are out of town. Essentially, this company left me high and dry, out of state, and was extremely flippant and unconcerned about my situation.

A month after I faxed that credit report I called, as I had not heard back. I was then informed that their faxes only take 4 pages, and that they never received the info because the machine shut off after the 4th page. Nobody bothered to follow up with me, and considering I had called at least 6 times on the day of my credit reduction, I was shocked at their ambivalence.

I now only use my card if there is an emergency, and last week paid off an additional $21,000. My balance on this card is now $1,700 and I got a call last night from AM EX...guess what? My new credit line with them is $1,900.
I went from having close to a $50,000.00 limit, to 1900 and I bet if I pay another $50, my line of credit will go down another $50.

This was my work card, my husband had a card on this account and I have never missed a payment. I was late once, 3 years ago, when my father died. They don't care. This company is saving it's credit for the $$$ it's going to need to pay top executives when they threaten to go work at AIG. It is THAT kind of operation.
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Anonymous on 03/20/2009:
Based on the experiences of other reviewers, some who were stranded when Amex closed accounts or reduced lines of credit without notice, I could no longer 'leave home' with Amex and feel secure. I closed my Amex account. They whined to me for days about my status as a 'valued CardMember'. If you travel, solely depending on Amex, you are likely to get marooned in a very unpleasant place. Dump Amex before its too late.
tnchuck100 on 03/20/2009:
The results are in: American Express has now surpassed Bank of America in its wanton mistreatment of customers.
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Posted by on
DALLAS, TX, NEW YORK -- October 8, 2008

I can not begin to express the unbelievably poor service I have received from American Express in the past month. I have been a card holder for 14 plus years and the actions taken by American Express are reprehensible. My Platinum card has been shut off without warning, my credit lines reduced to almost nothing, not to mention rude and unhelpful representatives, etc.

In early September AMEX reduced my credit lines due to an inaccuracy on my credit report, which by the way had been on the report since September 2007 and in dispute. I have worked feverishly to have the inaccuracy removed, which it was on September 5, 2008. When I explained to one of the AMEX agents that the derogatory information had been removed, the agent I spoke with accessed my credit while I was on hold. When she returned to the phone she conveyed to me that the inaccurate credit information was no longer there and she would restore my credit lines to the original amounts, which took two (2) weeks and more phone calls.

My next problem came when I tried to use my Platinum Card for a purchase and the charge was declined. I contacted AMEX and they advise me that until my balance was reduced, no further charges would be accepted. We have had balances in excess of $90,000 or more with not one complaint from AMEX ever. In early October 2008 our outstanding balance on our Platinum Card was $66,000. I immediately made two (2) payments totaling $15,000. I then spoke with another agent at which time she reinstated my charging privileges.

On October 6th and 7th, 2008 another two payments totaling $25,000 were made, which reduced the total amount owed to approximately $20,000 which is what AMEX has requested we do. I accessed our account online on the evening of October 7th to check if the payments had posted. I was shocked to see that there was a foot note “$564 available credit” at which point I called AMEX again for the 20th time. I spoke with a very condescending woman named Jenny in Canada (employee # NOVWA10). She informed me that there was derogatory information on my credit report and that our spending limit had been reduced to $20,900 on a card with no pre-set spending limit.

I requested several times that she either read the previous notes and/or access my credit report and that she would find no such information existed, she refused to do so. She explained that the account would be reviewed again in 90 days which I told her was unacceptable! The above employee was so unaccommodating that as the conversation went on and on and I grew increasingly upset (understatement)! I explained to her, if this is the way AMEX treats 14 plus year perfect customers I was not interested in continuing my relationship with AMEX.

Much to my surprise when I logged onto my account via the internet, I found that all my accounts have been closed. Further calls to AMEX on October 8th for an explanation yielded nothing, no managers available, etc..

I am so thoroughly discussed in the way I have been treated. In the last month, I have spent in excess of 10 hours on the phone discussing all the above. I have never missed or even been late on a payment that I can remember in 14 years and my credit score is 773. After spending over $2,000,000 or more since 1995, and all of the interest and card fees I have paid, I would expect much, much better treatment than I have received. What am I to think of American Express, I thought I would always be treated fair and my long tenure with AMEX would be appreciated? I was wrong!

Update, Nov. 12, 2008!

On Monday November 10th I called AMEX headquarters in NY and spoke to the VP of credit, all four (4) cards have been reinstated, which I was told could not be done. Also, once my Platinum account was reinstated, I used the 1,100,000 Reward points in my account ($5,500) to pay the account down even further. Who knows if Membership Rewards will even be around in a few months, and if it is, your points may be worth even less or nothing!

I now owe AMEX less than $15k and yet my available credit on my Platinum card is still $20,900. We will have AMEX paid in full by late Nov. or mid Dec. We added up all payments from November 07 to November 08, the total was $227,200 (just AMEX Platinum). For the time being, we will not be using any of our AMEX cards for anything (we owe $900 on Optima, 0 on AMEX Blue, and $4000 on my business card). This means, no interest (14.99%) for them and no merchant fees to collect!

Please tell me if AMEX is full of BS or not!

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Anonymous on 11/08/2008:
"I explained to her, if this is the way AMEX treats 14 plus year perfect customers I was not interested in continuing my relationship with AMEX." appears AMEX merely followed the instructions you gave in this outburst...and closed the accounts to further charges.
Anonymous on 11/08/2008:
I am no longer a fan of Amex but seriously, if you had available cash to make two payments equaling $15,000 on a $66,000 outstanding credit card balance, why not just pay cash for what you wanted to buy? That is an awful lot of debt to have on a credit card. That thought is scary!
clutzycook on 11/10/2008:
I agree with John. You managed to knock out over $40k of your debt within the course of a month? Dude! Why even have credit cards if you have access to that kind of cash?
660511 on 11/12/2008:
Firstly, after a phone call to AMEX headquarters in NY on Monday November 10th and speaking to the VP of credit, all four (4) cards have been reinstated, which I was told could not be done.

Our combined household income is in the upper six (6) figure range. We put almost everything on AMEX (not any more) and have for years! A good portion of our income is distributed to us in late Dec. or early Jan. at which time all of our accounts are paid to "0". We do keep a certain amount of cash on hand for emergencies, but that is what it is there for, emergencies!

Also, once my Platinum account was reinstated, I used the 1,100,000 Reward points in my account ($5,500) to pay the account down even further. Who knows if the Reward program will even be around in a few months, and if it is, your points may be worth nothing!

Now I owe AMEX less than $15k and will have AMEX paid in full by mid Dec. For the time being, we will not be using the card for any purchases. This means, no interest for them and no merchant fees to collect!

falconvictory on 11/18/2008:
Hi! Do you happen to have the number of the VP of credit because they did the same thing to me yesterday and I need to speak to someone that has more pull on this situation. Thanks!
jessguimar on 11/24/2008:
The same thing happened to me. The FTC and FDIC gave me a number so I can file a complaint. !800-842-6929 ask for consumer affairs.
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Be Careful Platinum Customers... Cards Not Working All Over Town....
Posted by on
CHICAGOLAND SUBURBS, ILLINOIS -- Just for your information our credit rating 785. Almost perfect.

We load this card with everything,including quarterly taxes. We have 25 years of paying every month the total amount due. We have always paid our account on the same day for 25 years. The final day of the 5 day grace period after the due date. We have paid our accounts the same way for 25 years. It's when we get paid and American Express has always said no problem we love your business.

For some reason something has changed in the last month. We did have a high balance which is the same balance we have every quarter. But this year we started getting calls from them. Every day right after the bill was sent. The first calls were cordial and as the due date on the account arrived they became increasingly increasingly aggressive and nasty.

We were not late but they were treating us like we had been late for 6 months or so. Apparently, the grace period will not be allowed anymore and we need to call to get our account billing cycle changed. But we have been busy and would do this after we paid this bill. This simple change has put us into a late cycle. What they should have done was call us make us aware of the situation, give us a month to adjust our payment cycle and then they would have a happy customer.

Instead twenty days before the payment was due they have called me every day. Calls were at first cordial and then turned mean and rogue closer to the payment due date. I am being called before my billing date is due. It makes you feel like you are late and yet you are not. I told them that we will pay them on time, like we have for 25 years. Please stop harassing us.

At the same time half way through the month my accounts were frozen. Charges were denied in embarrassing situtions. The clerks told me that they expect the AX cards to not go through anymore. That all over town they were getting denied. At gass stations and grocery stores. We have all gotten used to using them for everything. So apparently we are not alone.

I googled the financials. Apparently AX has lost 25% of their net worth( WSJ-IBD). They made a flat statement that they were cracking down and lowering limits on certain card holders. I guess we are the certain customers.

Today I paid my accounts off like I always do. However, I am scared to use them again. I have other options and cash can always been used. I just got an announcement that the buy one-get companion ticket free option is canceled. So now they are the same as the Citibank Platinum American Airlines card. We will switch.

If this can happen to customers like can happen to you. It's a shame-they gave us no credit for all those years for paying as agreed. A1 credit. Don't assume anything anymore. Pay in cash it is always cheaper.
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madconsumer on 10/28/2008:
"We have always paid our account on the same day for 25 years. The final day of the 5 day grace period after the due date."

so really you have paid late for 25 years. you will be better off using some other type of credit card. American express has been cracking down on many many people,
Donna Briggs on 03/05/2014:
I find the previous comment quite true you pay off your card every month on time and suddenly you get numerous phone calls regarding the account not bring paid by THERE suggested pay by date which isn't the due date .. What happened to the great service AMEX?
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Credit Line Decrease - Amercian Express Platinum Credit Card
Posted by on
Last week I received a letter from American Express saying that my credit line had been decreased from $7,000 to $6,300. I have never even heard of such a thing and I am still in shock. I've had the card for over 2 years and have never paid my bill late. About 75% of the time I pay MORE than the minimum payment; and when I can I pay off the entire balance. The first "reason" American Express gave for the credit line decrease was that I recently had a "high utilization" of my other credit cards (which I have been using recently to pay for my own health insurance and other bills after the place I worked for the last 5 years closed down in February). I'm writing this so that others know that if they run up high balances on other credit cards even for a short period of time (and even when you're paying all bills on time!) they may find their line of credit decreased by American Express.

The second reason given for the credit line decrease was that my credit card balances "have exceeded [my] demonstrated ability to pay." None of the FOUR American Express staff members I spoke with on the phone thought that THE FACT THAT I HAD PAID MY BILL ON TIME EVERY SINGLE TIME (and most of the time pay MORE than the minimum amount) DEMONSTRATED MY ABILITY TO PAY. No I'm not kidding.

The people I spoke with at American Express were awful. They all repeated the same unhelpful garbage (you can ask for an increase in 6 months, etc.) and were very reluctant to transfer me to supervisors. They also lied to me ("there's only one supervisor on duty so you might be on hold for a while" then by the same person "well I don't know which supervisor you'll be talking to"), etc. etc. I was also disconnected twice.

I am looking forward to the day that I can pay off this card and close it permanently. I'm never going to use an "American" Express card again in my life. I can't believe how they treated me. It might have been different if someone had called and asked me some questions about high balances on other cards, my current financial situation, etc. if they were so concerned. But to do something in such a disrespectful way with no notice at all is terrible customer service. Please tell everyone you know how American Express treats good customers. Thanks.
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Anonymous on 05/05/2008:
This is not uncommon in the industry. They are able to see that you have increased your total outstanding credit balances. This makes you (or me) a greater risk that you will not be able to repay them. Accordingly, they decrease their exposure with you.
You head off your post that they decreased your limit without warning, then go on to state that you got a letter. How else would you expect to be notified?
This is the ultimate fallout of the lending crisis, to the consumer. You can thank the companies like Countrywide for these changes.
Hugh_Jorgen on 05/05/2008:
Ken is right - look through the archives here, there is nothing new here. AMEX is doing it, VISA is doing it, MasterCard is doing it as well - that watch ALL your credit activities and if they see what they consider a substantial change in your standing, they tighten up your terms.

By your own admission your employer closed - so I assume you were out of work for a period of time. In addition, you are now paying for your own health insurance, so that IS a material change in your ability to pay, whether you paid on time in the past or not.

madconsumer on 05/05/2008:
All Credit Card Companies use your debt to income ratio. they are only protecting themselves from you going bankrupt on the credit cards.
Anonymous on 05/06/2008:
Some companies will either lower your credit line, or some will even raise your interest rate depending on how much of a risk they may think you are. If you are not paying a fee on this card, keep it open even after the balance is paid off. The companies who do the credit score look at on average how old your accounts are. The older the account average is the better it looks for your credit score.
avidfoodie on 08/09/2008:
the difference between visa/MasterCard is they have revolving cc lines and amex is a charge card. If you are consistently paying the amount each month in full, then they shouldn't limit the charge.
furious_consumer on 10/05/2008:
As a valued cardmember of American Express, I am very upset with the way they are treating their current paying customers. I have paid my bill every month on time, every time, and "due to economic times", they have just decreased my line of credit down to the current balance of my account. This now shows I am maxed out on a credit card and my other creditors will soon follow suit. After spending an hour on the phone with them, and being transferred 4 different times, I was told it was due to my available credit with other credit cards and "economic times."

I explained to the account representatives that I am not suffering financial difficulty and could not understand that just 4 months ago they increased my line by 25% only to lower it currently without any reason. Apparently since of my lines of credit, I only have 54.49% available to me, I am considered a high risk. They stated numerous times that they could see I have paid nothing late on my credit nor had I paid them late, but explained to me that their company policy is anything below 30% availability is high risk.
Amex Sux on 01/04/2012:
I agree completely, AMEX has no business deciding what my ability to pay is. They gave the credit limit, they should honor it unless I begin to actually display an inability to pay by being late, etc. I would like to be a recipient of the J D Power credit card satisfaction survey. If you are, please blast them about this. I am very dissatisfied with American Express as a result. I have no negative activity on my credit, I don't make late payments, often pay more than the minimum, my credit score is consistently in the mid to high 700's and they do this with no previous warning, no explanation and no appeal process. Here's an idea, how about sending out a survey to AMEX customers on this specific topic and see how happy AMEX customers are with the AMEX and how high their satisfaction level is. I'd give them a MINUS TEN for my customer satisfaction score as a result of this stupid business decision. Seems kind of counter productive. They are in the credit business, they lower your credit so low you no longer have credit so they can no longer get your credit business. Seems like they're putting themselves right out of business with stupid business decisions like this. Hope the idiot that thought this up gets fired for all the negative back lash and poor customer satisfaction ratings.
Amex on 02/08/2012:
AMEX is decreasing credit lines since they are also having a credit crunch themselves. AMEX's new business practice is to keep lowering customers’ limits so they can meet their own credit capacity. This practice may not be beneficial to AMEX in the long run since many customers will lose the trust and mutual respect of its customer base. These customers will seek different creditors with a larger credit capacity. AMEX has fails to realize that the customers it has left behind are the same customers that are most profitable to AMEX. Finance 101 Risk=Reward.
YOU FAIL on 03/07/2013:
So AMEX also decided what my ability to pay was. I am very dissatisfied with American Express as a result. I have no negative activity on my credit, I don't make late payments, I pay more than the minimum, my credit score WAS consistently in the high 700's.... that was until they decided WITHOUT notice to lower my credit with a massive chunk. At that point in time, I had used some of this credit facility. But then with no previous warning, no explanation and no appeal process allowed, my credit score dropped to low 600's. Thank you AMEX. Well done. Nothing I did afterwards helped. This for someone who has had the card for OVER A DECADE. Here's an idea, how about sending out a survey to AMEX customers on this specific topic and see how happy AMEX customers are with the AMEX and how high their satisfaction level is. I'd give them a MINUS INFINITY for my customer satisfaction score as a result of this stupid idiotic stunt you pulled. It has now been 3 years and I still have not returned my credit score to the same levels as before. Seems like they're putting themselves right out of business with stupid business decisions like this. Just to prove a point - I work for a Fortune 500 company, I am a Financial exec and low and behold I recently looked into my company's AR and noticed that AMEX has been behind with many of their payments $, PRACTICE WHAT YOU PREACH. That is WITH A 60 DAY PAYMENT TERMS! Furthermore, the customer service department in Florida suck worse than those off shored customer service departments! No one can do anything for you. AND they loose any "notes" made on your account when you call them. So forget about referencing about an earlier conversation.
JW on 06/24/2013:
You have to record these aholes so you can have prove of their devious business practices, ridiculous service and how they continuously give customers wrong information !
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Amazingly Bad Customer Service
Posted by on
Dear Mr. Figueroa,

In September 2007, I notified American Express that I was defrauded by a counterfeit sales organization known as “E Profits Seminar”. I asked that an investigation be made and to withhold payment until this inquiry could be concluded.

Your investigation; woefully inadequate and poorly executed was in a word: laughable. This inquiry consisted of a letter to Whitney Nelson, the principal of the firm. This mode of inquiry was so incredibly sycophantic I am surprised you were able to pry your nose out of the company’s backside.

Had you not been kissing this company’s a** so thoroughly, perhaps you might have contacted the Utah Better Business Bureau, searched public records or possibly even Googled them. However, if you had actually performed the job that I have been paying you to (via my exorbitant membership fees) you might have stumbled upon the ongoing, widely reported, blatantly obvious serial fraud this company has been perpetrating throughout the United States.

The company has been trading under the following aliases:
Online 2 Income
Global Marketing Alliance
WP Coaching
Unim Business Development
And my favorite: E Profits Seminars.

I have been a loyal American Express Platinum Card member for a number of years clearly larger than your IQ point totals can calculate – so let me put this to you simply: Customer service dates back to the Bible (or the Koran, or the Talmud) – “Treat Others As You Would Like To Be Treated”. This is also known as “The Golden Rule”. Please read up about it – as you obviously have never heard of it.

I know your marketing department cooked up that genius idea that you propagate in your advertisements – that you stand behind your customers and always rectify any problems. This is also known as misrepresentation – you should look that up too – as you will see that word in a great number of lawsuits that are in no doubt headed your way.

Let me state for the record – I received NOTHING from E Profits Seminars. NOTHING. NADA. NIET. ZERO. ZILCH. I was charged (and you authorized payment for) $1995. For nothing. I didn’t get ANYTHING. And you paid them. Thanks for nothing, bozos.

You even (ILLEGALLY aka WITHOUT MY CONSENT) took credited funds from my account and paid these charlatans. This was AFTER I informed you that I was seeking a legal injunction against this company. I have now involved The Utah Better Business Bureau, the Federal Bureau of Investigation, the Utah Bureau of Investigation, and local law enforcement in an effort to rectify this injustice done to me.

I want an IMMEDIATE refund of the $1995. Seeing as I closed my American Express Platinum Card you will be unable to credit this amount to my account, however I will accept this in American Express travelers’ checks, a cashiers’ check, money order, or even cash – I do not trust you so do not send me a personal check.

I hope you enjoy the over 10,000 credit points you usurped from my account, that was an especially nice touch – much like a kindergartner in a sand box wrenching toys out of the smaller kids hands – you stay classy, Amex.

Lastly, let me advise you to pull those mendacious ads we discussed earlier – as my mother said: “Liars never win”.

I hope you rot in H***, you thieving b*******. I’ll be the 66 year old Granny throwing apple cores at your head as the hungry swine circle your inflated heads.

Happy Holidays!
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Tc1073 on 12/20/2007:
Did you initiate contact with E Seminars for a product or service and did not receive and then complain to AMEX? If you did, then answer this question - did YOU research the company first as you instructed AMEX to do?
jktshff1 on 12/20/2007:
I am reading this as you signed up for a get rich quick scheme and now are trying to lay the blame on Amex for your mistake.
jenjenn on 12/20/2007:
It seems if you gave this company your credit care number, you approved the transaction. This letter is pretty rude, especially if you're trying to get back this amount of money! Good luck to you.
Anonymous on 12/20/2007:
Mr. Figueroa is doing everything he can now to take care of this problem. After all writing such a professional letter such as this and calling Mr. Figueroa and AMEX foul names will always get people to work with you.

And just who went to the get rich quick MLM scam in the first place and put up the AMEX card? Thought so.
Suusan B. on 12/20/2007:
You told AMEX to research this company which is what you should have done in the first place before authorizing the charge to your account. It was your responsibility to know what you were paying for - - not AMEX.

A quick Google search tells me that this is a get rich quick scheme and there are lots of complaints dating back years.

I can't decide on my favorite part of this letter - - your reference to "do unto others" or seeing the term "IQ".
Principissa on 12/20/2007:
You should have done your research before you gave them your credit card company. You got suckered into a scam, and you're blaming AMEX? It sounds like this person is doing what he can to help, and you just came on a public forum and chastised him. What a slap in the face! Shame on you.
Slimjim on 12/20/2007:
Ann, AMEX isn't in the biz of due diligence, that's your job. You can file a dispute on the charge YOU AUTHORIZED and see if they can initiate a charge back, assuming that you can offer evidence necessary to warrant such, considering they owe the business an opportunity to also prove the sale valid. Outside of that, it becomes a civil matter. On a final note, you seem to be able to possess the skills needed to draft a good letter, and yet you totally missed the mark on how to properly approach someone you want something from.
CrazyGrannyAnnie on 12/20/2007:
Have a sense of humour - I thought this review was hysterical!
Slimjim on 12/20/2007:
Hysterical? Angry, abrasive, and uncalled for were my first impressions.
Anonymous on 12/20/2007: are right, but then again can't you just hear Bugs Bunny saying "what a maroon!"
CrazyGrannyAnnie on 12/22/2007:
KenPopcorn,a maroon is a french cookie and I am flattered. But I think you meant to call me a moron. If you want to be vicious you should learn to spell. CrazyGrannie
tnchuck100 on 12/22/2007:
CrazyGrannyAnnie, you need to brush up on your cartoon knowledge. Ken is correct --- Bugs Bunny says MAROON!
*Brenda* on 12/22/2007:
A maroon is a French cookie? Hmmm, do you mean macaron or macaroon?
Anonymous on 12/22/2007:
CrazyGrannyAnnie, let's step back for one minute, you wrote to Ken, "If you want to be vicious", correct?

Now lets look back on just one of your comments: "I hope you rot in H***, you thieving b*******. I’ll be the 66 year old Granny throwing apple cores at your head as the hungry swine circle your inflated heads."

Vicious describes your letter to AMEX and probably your attitude on life in general. Yes, Ken was correct you are truly a moron or a maroon, any way you spell it you are a grade 1 moron and fool for coming on here and bashing respected members and showing what a true moron you were for buying into the MLM scam in the first place. You gave them your AMEX card or did they steal your purse while you were busy picking the wings off of the flies on your inflated head?

You have provided nothing that would make me think AMEX has done anything wrong. You gave these scammers your AMEX card to buy into a get rich quick scam but you were the one that got scammed. Not AMEX's problem, it's your problem. Now deal with your mistakes and do a little growing up. If your really 66 years old, start acting like it.
Anonymous on 12/22/2007:
Well said superbowl, well said!
jktshff1 on 12/22/2007:
One last question for granny.
Where do you get the relationship between customer service and religion?
CrazyGrannyAnnie on 12/23/2007:
Oh superbowl, tell me what you are respected for: helping out at homeless shelters etc. Respect is earned not self proclaimed .
Cole_IV on 12/26/2007:
Wow. Stunning dialog. Annie's letter does not make it clear as to whether she approved a charge from this company or not. Some assumptions have been made in the comments that are not supported. You do have a right to refute a charge due to fraud. As to the content of Annie's letter, her words aren't much worse than the comment's right here. Way to intelligently disagree with a fellow consumer.
DieselBoi on 01/26/2008:
I don't see what all the noise is about or why anybody would write such a letter. If you filed the complaint after you gave out your credit information, it is still your charge until AmEx is able to prove otherwise. Once they have conducted their inquiry into the charge, then they either credit you back the amount or they don't depending on whether or not they have found it to be fraudulent. From what I've gathered, you really didn't give them much time to fix the situation. It sounds like you did not immediately get your way so you closed the account, lost the 10,000.00 points, and still had to pay the bill. What did you gain out of it except for ruining an otherwise seemingly good relationship with AmEx. Now you have no relationship with them and are making demands of them and insulting them to boot. Good luck with that!
propture on 02/10/2008:
I agree, AMEX is amazingly nonresponsive to complaints about items not received. When I didn't receive a package from England, they gave me a credit, and then the merchant got them to reverse the credit and told me to "wait awhile for it to arrive". It has now been more than 60 days of waiting and they still haven't given me a credit. Avoid AMEX!!
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Account Verification Nightmare
Posted by on
ARCADIA, CALIFORNIA -- A few weeks ago I applied for and received an American Express Corporate Platinum card for myself, and my three adult children whom manage and operate both of my businesses. about two weeks after activating the account,I received a call from American Express Financial Review The woman I spoke with informed me there was a problem in regards to the identity of my business,and I must submit documents/verification or the account would be canceled.They also said that if my card were canceled it would go on my personal credit record. All this is just a simple procedure,and can take up to 7 days to review.In the meantime, I my account is on hold and I cannot use this account.

I realize identity theft is an issue these days,and was more than willing to cooperate. After all,this was for my protection,right? I faxed over what they requested a couple of days later...I then received another phone call from this woman,who said she received the fax.She then began to ask me if I was calling from my business.I said no ,this is a cellphone."Well, why are you usi9ng a cell phone" she asked..and why when she called my business, nobody answered? I was slightly appalled at this questioning,yet let her know this cell phone was listed on the original application, and my business, a tea house, did not open until 11:00 am,nobody would pickup the telephone until then(it was around 10:30am)I( also let her know she was more than welcome to call me at my home phone number,the same number I have used for over 18 years.She said she would call me back,which she did at my home number.

As I had satisfied her request regarding my business, she then started a line of questioning about my identity.I would now need to fax over (not mail) documents to confirm my personal identity.I asked her, if American Express had all these questions about my identity and about if I actually had a business,etc, then why did they send me a pre-approved offer, in my name/business name? Nevertheless, I made a copy of my Drivers license,social security card,last months bank statement, a recent invoice from my business,current months cable bill,electric bill,Car insurance,registration..Three days later, this woman called back, and said now I would have to go to my bank, and fax over to them a notarized (by the bank)statement regarding my account.Now I have had enough of this,I believe I had given more than enough documentation proving I was who I am,and my patience was wearing thin.Why should I have to furnish a Bank notarized letter with my personal banking history to this so-called company? Couldn't you just call the bank or find it on your computers or such? No.Can't I ju8st go to an American Express office and sort out this mess? No.Well my friend, I pretty much had it with American Express, and I told the woman I provided more than enough proof regarding my business,myself, and I have never been put through the wringer like this by any bank,credit card, anyone..ever.I no longer wish to be your customer, and I simply want to close my account,this should settle this. This woman then let me know I COULD NOT CLOSE my account! I had until the 16th to provide this information, or American Express would cancel the account themselves.Now I have never heard of one not being able to cancel a credit card account at any time(just as the card company has this right also)I asked to speak to her supervisor, which she simply said"My supervisor will tell you the same thing" and she refused to transfer me.Upon my calling her back, just as I was letting her know I -planned on filing a complaint with the service I received from this Company, she hung up on me. Now in all my years, I have never thought that a well known,corporation would dare to mistreat a customer in this manner,but American Express has opened my eyes a little.They did go ahead and cancel my account as they threatened to do,and I intended to file numerous complaints with anybody who I can regarding this so-called Company's business antics.

How dare American Express be allowed to do this to honest, hardworking customers. I still don't feel this so called company has any right to keep harassing me for more and more documentation, after I repeatedly satisfied their requests.This is outrageous behavior. Now I am just an old man,but for however much longer I have on this Earth, I will be sure to warn others of what I was put through by American Express. I am 56 years old, and my blood pressure has skyrocketed throughout this all. A lot of sleepless nights thinking about all this.
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Anonymous on 05/20/2007:
I find your experience very suspicious. Not your story but that Amex would call you and then have you fax personal information. Are you 100% certain the call came from Amex? It's just very strange that they would issue cards and then contact you to verify the business identity.
Dedicated Reader on 05/20/2007:
I agree with PassingBy. I suggest you call Amex directly, using the phone number on the back of your card. This sounds like you may have been targeted by I.D. thieves.
billrobb on 06/03/2007:
I have no doubt what the author is saying is true. AMEX did the same thing to me and I received the same kind of nasty service. AMEX has always had an attitude that they were better they everyone else and it didn't matter how customers were treated. In their eyes you were guilty until proven innocent. Unfortunately because they're such a big and financially strong company nobody can do anything about it. One lawmaker once told me if he dare go against AMEX he could be assured he wouldn't be re-elected. AMEX would pour money into his opponent's treasury chest and make it impossible for him to win. Face it - we're at their mercy!
MadAtAmex on 08/30/2007:
Well! Amex goes from one extreme to the other. Four years ago, they solicited and accepted a fraudulent small business application with my forged signature, my correct address, and the thief's phone number - without noticing the phone number wasn't associated with my home or even my area code. When I failed to activate the card, they obligingly sent a replacement to the thief's address. And they still think I'm going to pay for their mistakes!
WESLUTHER on 10/08/2007:
It does not have to be a new account for them to treat you like a criminal. I have been going through the same thing for over 1 month now. If you had gone to have your signature notorized at the bank they would have questioned the notorys' credentials and informed you that your bank is closed on saturdays. Report them to the BBB, I did.
Baloney on 08/14/2013:
American Express doesn't do this, it is a scam. If you have and a problem with American Express it is probably that you didn't pay your bill.
Tony on 12/29/2013:
From my personal experience with Amex card, I can say this is not a scam.

I had a Amex Costco card for 3-4 years and never late for anything. I received a letter from Amex asking me to identify myself since they saw suspicious activities. I called AMEX and asked for why. I provided all my personal information. They said these are not sufficient to prove who I am and they asked me to go to a bank or public place to show my ID in person. I asked them why do I have to do this. Even I apply a new card, I don't need anything. Why they do this to an existing customer who is never late for the payments. AMEX said this is for the fault protection purpose and is a random check. If I don't do this, my card will be canceled. ......... In the end, they canceled my card since I don't want to waste my time to prove to AMEX who I am in person...
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American Express - Bad Attitude and Miserable Customer Service
Posted by on
EL PASO, TX, TEXAS -- I've been a champion of American Express cards since I'd opened my first business accounts in the 80's, recommending them to all of my business clients and associates.

I'm a small business entrepreneur and have started, owned and operated 11 businesses since my first in the 70's.

I used to love the services available on my several platinum accounts for travel, concierge and other benefits and took full advantage of these... Now as I'm approaching retirement, American Express has taken on a darker and even abusive face... If they were a person, I'm sure they'd be taken to court many times each day for abusing their "children". In short, a company that I've supported in all of my retail stores, and in all of my internet businesses, has chosen to ignore my near perfect payment history, and has restricted my charging, and started to make amazingly hostile phone calls to my home when an account was one day past due. I'd scheduled automatic payments to occur for each account on the due dates earlier in the month, and apparently something happened to their on-line system and it lost these instructions hence a missed payment.??

Anyway, this rant has been building over the past 5 or even 10 years since something changed in the attitude and policy at American Express resulting in this mistreatment of their good long term business customers... I for one will now speak out against this terrible turn in their attitude...
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Billy-Bob Lesser on 08/03/2011:
No More American Express
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Accepted By The Office Shredder Everywhere
Posted by on
WAYCROSS, GEORGIA -- I had an American Express card for 7 years-never missed a payment, never late. I decided to take my wife's family to a fancy restaurant in Savannah. I filled up the car at the gas station and the card was accepted. On we went to our meal. In the two hours it took us to get to Savannah, get seated, enjoy our meal, and get the bill Amex put a freeze on my card. There are, of course, other means of paying for a meal and I assumed that this was just some mistake.

I spent the next two days calling the Amex "help line." After being repeatedly told that "I'm sorry but our computers are down so we can't tell you what is happening with your account" I finally got through to Mujabar.

Every American knows Mujabar. He's that guy in Bombay who speaks pidgen English. Mujabar informed me that "verry sorry, but we haff found bad debt on your record." Mujabar couldn't tell me who claimed I owed them money (in fact, to this day, American Express hasn't been able to tell me who is making this claim) but helpfully suggested that he could unfreeze the card to pay this debt, whatever it was, in whatever amount, and to whomever was claiming it.

I told American Express to cancel my card immediately and paid them their balance.

About a week later I received a letter from Amex saying that my credit with them had been reduced to $5,000.00. Really? My balance at the time of the cancellation was about $3,000.00, so why the immediate freeze? Their letter followed their card into the shredder.

A few more days later Amex sent me a new card which excitedly proclaimed "activate your new card immediately! We'll put the $150.00 activation charge on your account!" Let's see-first, what makes Amex think that unilaterally freezing my account with no warning might be a way to inspire me to continue doing business with them? Second, since they froze my account, how can I charge $150.00 on it? Wouldn't that somehow cause me to go over their cap? Third, when the hell did Amex come to believe it was empowered to collect debts for third parties that it couldn't even identify to their customer? Do they really think that someone is going to pay a $150.00 activation feel for the privilege of carrying a multi-colored ice scrapper?

Yep, American Express-accepted by office shredders everywhere. For everything else there's Master Card.
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Anonymous on 03/11/2009:
Gold and Platinum cardholders either own a business or are high up in the company food chain. These owners should stop accepting The Card and influence other businesses to do likewise. Corporate types should ask that Amex accounts be replaced with another card. My wife's business stopped accepting Amex a few weeks ago. She said she got the most tearful pleas (from Amex) to resume taking it again. I canceled my Business Gold and coldly asked the pleading Amex rep "How does it feel to be the one doing the begging?"
tiredofcorporategreed on 03/23/2009:
Having been a loyal customer and member since 1998, I recently had my Platinum AMEX card cancelled. This after a perfect payment history and over $500,000 in business with AMEX. The account was closed 2 days (separate letter) after I received my January 2009 statement showing they had received my payment for the previous balance of over $5,800 and that my new balance was $459. The reason given by customer service is that my credit score was not what they would like it to be. Once again, I had a perfect payment history with AMEX. Apparently they (AMEX) decided that my account balance of 506,060 points was a liability that they could just eliminate by closing my account AND THEY DID... If that is not bad enough, they had just billed me for my annual membership fee of $450 in December 2008!!! So not only did they ding me for $450 they eliminated the approximate monetary value of my points of $5060.00. Given their recent stock values, I can see why they would resort to such tactics, which simply illustrate the contemporary example of corporate corruption, which has morphed into greed and the egregious treatment of the American consumer. I for one am tired of corporate America taking advantage of the average citizen, while for years being a loyal customer to dirt bag companies like AMEX, only to be besmirched in the end.

If you have ANY points with AMEX move them out of your account now…

Class action suites are sure to follow...

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American Express And All Of Its Representative Are The Worst To Deal With
Posted by on
I received a call from an individual who claimed to be calling from American Express and advised me that my card is suspended until such time they are able to conduct financial review, she asked me to sign an authorization so American Express can request my IRS records to verify income. I have had the Business card since 1995 and never once been late. I asked her to cancel my card, I was not going to provide my IRS records. They reported to my TRW account closed due to consumer not cooperating, and after two months, I am still trying to have American Express remove $595.00 membership fees, event though card is cancelled, still charging me with membership fees.

This calls for class action . . .
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Soaring Consumer on 02/24/2009:
Contact the Federal Trade Commission and the office of your attorney general.
Anonymous on 02/24/2009:
If you asked American Express to cancel the card, it should show on your credit report that it was closed at the request of the consumer. If that is not what it states on your credit report, you should write to all of the credit bureaus stating that you are the one who requested the account be closed.
Disaster Worker on 02/25/2009:
I've never heard of a credit card company asking for your IRS records. What business is it of theirs? Could this be a way for an employee of AMX to get your info for idenity theft?
madconsumer on 02/25/2009:
this is done if the card holder is suspected as NOT having verifiable income. this is common.
tnchuck100 on 02/25/2009:
A company that has been using a business account since 1995 and has never had payment issues should not need to provide income verification at this point. His history with AmEx should be sufficient. I would have done the same thing - tell them to shove it.
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