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Horrible
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

EL PASO, TEXAS -- We took travel insurance out through American Express. Unfortunately, I became very ill the morning of our vacation and had to cancel our trip. We filed a claim and from that time on we had nothing but misinformation, horrible customer service, delays, never could get an accurate update, lied to, tried to speak with a supervisor only to be told they would contact us within 48 hours, phone tag and their phones were constantly disconnecting my calls. Make sure you read the fine print because they write these policies with the intent of never paying. One thing for certain American Express is not there for you when you need them! Our claim was denied, and we are appealing.

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Amex Joins The Lousy Offshore Customer Service Club
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

GLOBAL, FLORIDA -- I've been an Amex customer for over 25 years. I currently hold 3 cards (well, possibly 2 now, assuming their new customer service reps have the remotest CLUE how to close an account, and my confidence in that probability is at about 3% right now). One card had a $13.23 balance on it as of this morning. One card actually belongs to my employer (and if I could NOT use Amex there, I WOULD - believe me, I will campaign for a change). The third card is my Amex Gold card, which I used to fund my daughter's wedding, and currently has a $30K balance on it.

I ran into a huge, unexpected cash flow problem with my bank when they erroneously debited my checking account - which I use to pay my Amex monthly bills - 3X this month for my mortgage. Bear in mind, in the 25 years I've been an Amex customer I have NEVER been late, and I have honored the commitment to the card terms. When I discovered the error my bank had made (on November 30), I immediately called Amex and others to whom payment would be difficult for me to achieve until I got the extra mortgage payment amount returned to my bank.

Upon Amex picking up the phone, what first struck me is that the ONE CREDIT CARD COMPANY I had ever worked with that still used Americans to answer their phones and perform customer service responsibilities, had evidently followed the pack of "cheap" customer service strategies and sent their call center offshore to be manned by people who speak English only as a second language. That was a HUGE disappointment, but I had faith because Amex had always been a top notch firm to deal with.

I explained the situation, and was told by the Amex representative they understood, not to worry, and the Amex team would work with me until I could recover the monies overpaid to my mortgage lender, which I explained to them could take up to 2 weeks, according to the mortgage lender. I was concerned as we talked that all the salient points of my situation were NOT well understood by the agent with whom I spoke. I also explained to Amex that I was scheduled for surgery a week from the date of that call, so they would know that it may take me some time to be able to complete my "catching up" because of that situation.

Again, the Amex agent was supposedly taking notes, and was trying to work with me so I didn't jeopardize my credit, (which is excellent). I finally got the overpaid mortgage money back into my account on December 15, and with the help of another cash flow adjustment I had made to my investment portfolio, I called American Express again (I believe on that same day) to tell them I would be making a large (nearly $10K) payment on the Gold card. I told them I was calling them just to update them on my progress of bringing my account current, to apprise them of the large payment forthcoming, and to confirm with them that the few days it could take for the transfer to be completed would still leave my credit in tact.

They assured me that they were taking notes (although again I was not confident that the agent with whom I spoke understood English well enough to capture the gist of our discussion), and that all would be well.I put the payment through from my NEW bank via online banking that same day (December 15), immediately following that call. Online banking would not allow me to put through a $10K payment, so I sent $9,900. I received my bill for my other Amex card yesterday (Monday), and scheduled the payment for the due date it reflected - the one with a $13.23 balance which, according to the bill, is due 10 calendar days from today (December 28).

Imagine my surprise, then, to get a rat note from Amex in my email this morning, saying that unfavorable credit decisions may be made on my $13.23 balance card. I called American Express at the number listed on the email note, and was surprised to get a native speaker of English. Unfortunately, his command of the language notwithstanding he turned out to be a very snotty "customer service manager" who said the reason for the rat note is because I am behind in my payment on my other ($30K balance) card.

NOTHING in the rat note even REFERS to that other card, but this guy, who had a really disrespectful attitude toward me, told me it didn't matter - that because I am in arrears on the $30K balance card, the purpose of the email letter is to tell me that I may not be able to use the other card. Naturally, I became incensed. First of all, understand, reader, that I had no intention of using EITHER card until all is caught up. My ire arose when this sanctimonious little boy on a power trip, treating me like some filthy grifter, told me in a very rude "too bad" tone of voice that essentially my entire credit profile with American Express has been reclassified because I haven't made payments on time.

I asked him if he had read my record to get ANY CLUE of what I had been trying so hard to do to keep Amex informed and to correct a situation over which I had had no control. He said "yeah I read it" like I was the author of bad fiction. Testing to see whether there even WAS a record, let alone whether he had read it, I asked him several questions, all of which presumably could have been answered if he had read the record, assuming one had actually been kept. He did not answer them. In every case he was momentarily silent, and then came back with the same party line about my credit being in a questionable state and subject to review by American Express.

Further, he informed me that I owed not $13.23 on the other card, but twice that amount, because according to him, I was late on that card too, which is odd, since the bill I had opened yesterday indicated a $13.23 balance, and next payment date of December 28, 10 days from now. I hung up and called another representative, who spoke English very poorly and spoke over me repeatedly. Evidently I have been relegated as an account holder to the "bad Amex customer" service team, because this person, too, treated me exceptionally discourteously, and had no interest in listening, but was far more interested in reading his script to me.

I'm not sure the last representative did so, and I'm worried that I'll have to go around the mulberry bush a few more times, but I tried to close the $13.23 account after paying it off with a direct draw from my bank (for $26+ - just to ensure it gets paid off and closed). This person also told me that there is no record of my having paid $9,900 on my other account yesterday, although my bank says I did so. But no matter what I said about my bank account showing that the debit had occurred, this person simply did not believe me and continued to treat me as a typical delinquent account holder.

I feel sad, actually. I have always worked well with American Express. I have always generously recommended them to others, specifically FOR their outstanding customer service. Now they are like every other credit card company, whose customer "service" representatives have probably never seen an American Express card themselves in their entire lives, most of them have at best a rudimentary grasp of English, and they all carry a blatant attitude that customers are guilty until proven innocent.

So I am awaiting confirmation of the $9900 payment on the other card. When that is confirmed, I will send another payment of a similar amount. In another 2 weeks I will send a third, and after that a "clean up" payment to pay that card off. Finally, after more than 25 years, I will close that account and completely sever my personal financial relationship with American Express.I can no longer recommend American Express to anyone. They are like everyone else, and even under carefully explained circumstances that are completely out of character for a very long-term client, they consider YOU a delinquent criminal. Their customer service people now are trained to read a script.

Listening is no longer a part of their job, no matter how hard you try to set their expectations to meet whatever is happening in your life to solve an unexpected problem that was beyond your control. Learning about their customers, keeping records of how their customers may try to do the right thing, accounting for customers with long and exceptional records of timely payments, and being honest and working with integrity, are values American Express no longer observes. What was once a great company is gone. I will never make another Amex transaction and I strongly recommend that no one else does, either, including the company I work for.

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Fraudulent Charges
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

American Express is the worst credit card company. They charged my credit card without my authorization. I have spent thousands of dollars in attorney fees and is telling me I'm responsible for paying for it. Stay away from American Express. If they come near your wallet, throw your wallet away. My experience with Amex is terrible. They keep sending the same questions to my attorney and is just the worst company to deal with. If you have an Amex account, discontinue using them.

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Stay Away From American Express
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CALIFORNIA -- They are no help in dispute, I had shown them all the relevant documents for my dispute and the new charges I had encountered. They will not reimburse my credit card. They taken side with Speigel & Ultera Co. You may want to stay away from them as well. They are another fraud company. Please read all their 1 star is which they have received the most, it seems like American Express is negligence on their end for taking side on for other companies than their clients. This is not the company you want to sign up for credit card. This has stress me out, I have to pay over $600 and more.

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Discrimination I feel against Latinos
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

TEXAS -- This has to be the most discriminatory company I have ever seen, just because my name is Luis Sanchez and a Latino Man it does not mean that you company can treat Latinos like second class citizens. GoDaddy is charging for services I have not used for many years yet this company has backed Go Daddy since day one, why because I bet you they are a Big Customer for American Express. GoDaddy is charging for services that have not been used for 4 years and continue to charge me yet American Express lets it happen. GoDADDY IS RIPPING PEOPLE OFF The conversations with your company have not only been demeaning, and one sided but for Hispanics we definitely don't have the same privileges as the rest of your non minority members do and it can be seen by the demeanor and the sarcastic way they speak to you, This has been my experience and this is the message that I will let everyone know on the different social and regular websites know about American express. YES Membership has its privileges but NOT IF YOUR HISPANIC

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Terrible Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

After enduring a year of terrible customer service, the $100 yearly fee increase from $450 to $550 and the sudden $175 fee for "extra cardholder" we called the cancel our platinum card. We were told that unless we chose another product, we would forfeit all our points for the current billing cycle. The representative then tried to bully us into choosing another card.

American Express is really nothing more than a criminal Enterprise designed to benefit the company and zombie customers. If you like being treated like a second-class citizen, endure bait-and-crap schemes and, essentially, lighting a match to your hard-earned money, go for it! I would encourage all current customers to carefully check their monthly statements.

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Corrupt Policies & Worst in Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

If you have an American Express get rid of it as soon as possible. If a hotel double charges your card and you dispute it, American Express makes you pay the double charge in full on your bill even when they credit the charge back. If you don't pay the disputed charge in full then they will charge you interest on your total bill. You have to wait 2 to 3 bill statements to make sure you get the credit back. THIS IS FRAUD ABUSE!

A normal credit card immediately credits your account for fraud charges. You don't have to pay them to then get reimbursed at a later date. AX has held hundreds of my dollars on false charges and are finally sending me a check for all the required overpayments, it's been 4 months. FIGHT BACK! Close your accounts. I canceled all 3 cards I have with them. Chase Sapphire is 100% better, if you need a replacement card with a better disputes staff.

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Don't Ever Open an Account With American Express. They Don't Wave 1 Late Fee.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

Called American Express regarding my 1st and only late fee since I open the account in 2014, which was not done on purpose as I thought that I had paid them, until I realized that I forgot to set it up in my BOA bill pay. When I realized that I did not make the payment, that same day I went ahead and called American Express and paid the bill in full via their automated phone line the statement was only $87.00. Today when I call after receiving the late fee statement I called and explained the situation and they refused to credit the account. Well with that being said I closed the account and no longer EVER do business with this company again.

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NEGLIGENCE IN HANDLING OF FRAUD CLAIMS AND MY PERSONAL INFORMATION
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NYC, FLORIDA -- AMERICAN EXPRESS HAS "OUTSOURCE" THE MAJORITY OF THE CUSTOMER SERVICE, CREDIT DECISIONS, FRAUD INVESTIGATIONS TO MULTIPLE FOREIGN (3rd WORLD) COUNTRIES WHERE NOT ONLY IS ENGLISH NOT A PRIMARY LANGUAGE (INDIA = ONLY 13% SPEAK ENGLISH), BUT ALSO THE FACT THAT MANY OF THESE COUNTRIES HAVE AN EXTREMELY HIGH PROPENSITY & HISTORY OF:
1. TERRORISM AND HARBORING TERRORIST GROUPS.
2. CREDIT CARD & INTERNET FRAUD
3. 3rd WORLD MORAL STANDARDS AND COMPLETE LACK OF EDUCATION ON HOW TO HANDLE CREDIT AND FINANCE ISSUES.

I HAVE CANCELLED ALL MY CREDIT CARDS WITH AMERICAN EXPRESS. THEY ARE NOT AMERICAN EXPRESS ANYMORE. EVEN THE PRESIDENT OF AMEX DOES NOT RESPOND ANYMORE. IT SEEMS THAT THE ENTIRE COMPANY HAS MOVED OFF-SHORE.

BTW-
I HAVE BEEN A MEMBER OF AMEX SINCE 1973 WITH A PERFECT CREDIT RATING (NEVER MISSED A PAYMENT). RETAIL BUSINESS ARE INCREASINGLY NOT ACCEPTING THEIR CARDS ANYMORE FOR OBVIOUS REASONS. THEY PROBABLY DON'T APPRECIATE THEIR INFORMATION BEING SENT TO OUR ENEMIES EITHER.

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Terrible Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

After calling and requesting assistance with a gift card order the representative states her computer isn't working and I need to be transferred. She mentioned how it was a Saturday and the system was acting like a Monday. She mentioned we were all set and just need to be transferred to a representative that systems is working. This is after 30 minutes of waiting. Third representative stated we can't place the order even if the second representative stated all info was received. We have spent 10s of thousands since we opened the account. I have now cancelled mine and another personal card. The rates are high and the rewards program is more of a gimmick. The cards benefits are also limited. The customer service was a joke. Many like Amex have forgotten the individual customer and don't seem to care as they have such a large CC portfolio.

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American Express Rating:
Star Half star Empty star Empty star Empty star
1.3 out of 5, based on 45 ratings and
75 reviews & complaints.
Contact Information:
American Express
World Financial Center, 200 Vesey St.
New York, NY 10285
212-640-2000 (ph)
www.americanexpress.com
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