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AMEX Knows How To Cover Their Asses
Posted by on
SALT LAKE CITY, VIRGINIA -- In March of 2001 the Wyoming Highway Patrol seized about $10,000. worth of AMEX travellers checks from me. Subsequently they turned the checks over to the US Secret Service. The US Secret Service held the checks for three years until 2004. I was never charged with any criminal offence regarding these checks.
Rather than returning th checks to me in 2004 the US Secret Service returned the checks to American Express. I have documentation (if you had a place to attach files I could display this) to support this allegation along with a letter from the Secret Service stating the checks sent to American Express belonged to me.
In 2006 I hired a Wyoming attorney named Timothy Kingston of Cheyenne,
Wyoming (307) 638-8885. He wrote letters to the legal department at AMEX demanding a refund for these checks being AMEX got my money and the checks back. I also have documents to support this. He even demanded AMEX show a factual or legal basis for denying me my refund. Never did an attorney respond. He only received emails from someone called Annette Holbrook (legal analyst). I checked with the Utah Bar and there was never an attorney practicing in that state by the name of Annette Holbrook. She said she was denying the claim unless I can produce a receipt or proof of purchase.

Unfortunately being it was five years since I purchased the checks I did not have the reaceipts. However requiring me to produce a proof of purchase before I could get a refund is such a farce. Number one AMEX has records. They know damn well who purchased those checks. For two the checks were held for three years with the US Secret Service. If those checks were not purchased by me clearly I would have had criminal charges filed against me. Three I have documentation
(if you only could allow me to paste documents here) where the US Secret Service clearly and unequivocally state that the checks in question belonged to me. I purchased them on either February 20 or February 21 at the AAA Office on Arkansas Avenue in Denver, Colorado.

In 2007 my attorney filed a complaint against AMEX with the Office of the Attorney General of Utah. The Utah Attorney Generals Office dismissed the complaint because I am not a Utah resident.
I then upon my own filed a complaint in 2007 with the New York State Attorney General (where I am a resident). The complaint again was dismissed. In speaking with an attorney for the New York State Attorney Generals Office she said we can only resolve disputes if both parties are willing to do so voluntarily. Which is a joke. If the two parties can resolve the issue voluntarily why would one have to go to the attorney generals office.
Then in late 2008 I tried to file a complaint against AMEX with the Federal Trade Commission (The FTC).The FTC would not take the complaint because they say they only deal with class action suits. They referred me to the Office of Thrift Supervision.
In 2008 I filed a complaint against AMEX with the OTS (Office of Thrift Supervision) and they said that AMEX is a bank and that I should go to the FDIC. I went to the FDIC and they said AMEX is not a bank and that I should go to the FTC.
In 2009 I tried to contact an attorney for AMEX to discuss the refund and I get stonewalled. I first tried phoning the 1-800-221-7282 and I got someone from the Philippines named Christian and he refused to connect me to an attorney for AMEX. I also phoned a Justin Peterson at AMEX in Salt Lake (1-801-945-5146)and he too refused to put me in contact with an in house attorney for AMEX.
It is rather obvious what AMEX is doing. They know how to cover their asses. They know the only way I would get justice from them is by sueing them. And for me to hire an attorney it would cost me more than the $10,000 I am out. I am trying to get the money back. Does anyone here know of any way that I can bring AMEX to justice, have them refund me my $10,000. without it costing me $10,000 to do so. Further there is now telling how many other times AMEX has done this.
Everyone Needs To Get Involved
Posted by on
To whom it may concern,

I have read tons of complaints about this company and I agree with all of them. However useful blogs are, they often have little results with personal satisfaction or resolution.

I have made a complaint, which I emailed to the White House, Anderson Cooper 360, and 60 minutes. If they receive enough complaints, then hopefully, they will investigate the matter. This will be more effective in making Amex answer for their bad behavior.

See the email I sent below.. I encourage all of you to voice your complaints to the press and White House.. This is the only way we will get them to do a story which will expose Amex for what they are.. Maybe then, we will see some real change in their behavior..



I know you are all very busy, and I can only imagine the amount of emails being received. However, there is a major issue out there that I think your administration desperately needs to look at.. I am not going to give you my experience, but rather direct you to GOOGLE, American Express Complaints. They are going to cause a major melt down in the consumer industry. They have been practicing Serious ethical issues regarding ALL of their card members.

The common themes are shutting down their clients, many of whom are in the same league as most politicians financially as well as upper level and lower level card holders. There is no advance warning, and they are reducing the credit lines below balances owed, and tripping the default rates as well as killing credit scores on people with great credit.

The problem is this.. We, the people are giving funds to these companies that are self destructive. There can only be one outcome to this situation. They will see a mass exodus from their decent clients, leaving them with the problem accounts. Their volume will fall as a result, causing them huge losses.. They will need more bailout money to keep them afloat.

There needs to be some regulatory guidance, that can keep this company in check. I know there will be millions infuriated, if this company seeks funds from the American people. If they are afraid to do business, they should close their doors now and liquidate to other companies, that can handle the new volume. They can not and will not ever be profitable, by stopping to do business.

At this point, they are making money not by consumer activity, but by charging fees and default rates to it's entire card holding community. They will cause increased defaults at those trying to make ends meet, and this will just add to our current crisis..

I think the government should think about potentially starting either a new bank, or seizing a large zombie bank. Instead of bailout funds, the government should put the money directly into the bank for use for new loans in all sectors, credit cards, auto, and mortgages.

The other banks will either have to compete with the new bank, or they will fail. Once failed, then they can be folded into the new bank as an additional branch.

This is the only way, any money will ever make it out to the people that need it. Right now, all the money is doing, is funding operations for banks that are losing money. In turn, they are terrified to do business and as they shrink, they lose more money, feeding the need for more funds..

In closing.. I am begging this administration to google AMEX complaints, 2009. I am sure that many in your administration have been affected as well.

This company needs to be intervened and investigated.. It is really scary. I hate to compare it to the Holocaust, but it is a similar phenomena, whereas nobody seems to believe this is happening.

Best of luck,
They didn't raise my rates but reduced my credit limit with a score of 719!!!
Posted by on
They didn't raise my rates but reduced my credit limit with a score of 719!!! Get ready folks it's already happening. Stand up, do something.

I cannot believe American Express reduced my credit limit! They invoked the “Universal Default” clause and look for other things in my credit history that don’t even apply to this account to make their judgments. This tactic will continue to choke the lifeblood cash flow out of this country. They don’t even see what they are doing.

I found out about what they did last night when I tried to buy airline tickets to take my family on vacation. They made the change before they notified me of it the morning before I tried to buy the tickets. Can you believe it? Imagine my surprise.

Shame on you people, your tactics are despicable!

I have been a member since 1981 and always paid my bills. I find it sneaky and underhanded that they took this tactic. The process is to review your credit, look at one or two other elements on my credit that don't fit the "New Rules", and deduce that they should reduce my ability to buy and be offered credit. Way to go, what a great stimulate the economy tactic. Not only does it reduce my ability to buy, it actually hurts my credit rating more because they put my limit $400 above my current balance which makes it look like I am way to close to my limit. The account was $3,000 away from the limit.

I just made a payment on this account of $1,000 last week. I was even going to make another payment of $1500 on it last night. I opened this account when they sold me their bill of goods that I could use it as business account. I started a small business and it was going along great, Realizing revenues, it was looking good. FAT CHANCE now.

After all the money they received from the federal government to bail them out, they probably paid the execs their big bonuses and turn around and stick it to the people like you and me. We, the consumers, are really the people who are responsible for bailing these banking institutions out. Where do they think the money comes from? Way to instill confidence with generous practices of credit.

I think it totally unreasonable and an invasion of my privacy that they can invoke a "Universal Default" clause and make judgments based on something else they think they found in my credit that has absolutely no bearing on what was happening with the payment history of this account.

My credit score is 719 with one of the all - powerful credit agencies and the other two have me listed with ratings just below that. THAT FALLS IN THE RATING OF EXCELLENT I BELIEVE. WHAT IDIOTS!

Well, they have done it now. I WILL BE CLOSING MY ACCOUNTS AS SOON AS I CAN.

I have already written an entry on the HUGE consumer advocate site "RIPP Off I am sure there will be other entries made as they continue this deplorable tactic. Check it out folks, speak up RIP Off We need to stand up, this practice needs to made illegal.

I am writing my congressman, and I am going to try to get through to the new president. In fact, I hope he reads this. This is exactly why he needs put constraints on these institution and make them abide by clauses to open up credit so we can get things rolling again!

Congratulations AMX on driving a way a good customer long term customer. I hope you get what you deserve. I am sure it won't be long and the mighty American Express will go the way of Bear Sterns.

Very, very disappointed,

I am mad as Hell, and I am not going to take it any more.

Security Harassment
Posted by on
I wanted an American express gold card because in my mind it was one of the best cards to have and their customer service was terrific. I have found through my own experience that this is not so. Let me tell you what they have done to me in the last 3 months. I booked a cruise for myself and my parents {different rooms} through AMEX travel on my gold rewards card and added 2 nights in 2 hotels in Florida and 2 travel insurance policies as well as 4 roundtrip airline tickets. The hotels and insurance and airfare and one of the cruise staterooms went through and one was declined. I called them and they wanted to know why 2 rooms, and that I had been putting large amounts on the card. I explained what I was doing and while I was on the phone I paid for all of the charges and had them rebook the other stateroom. When I flew to Florida and checked in to the hotel I was told that it had not been paid for so I again used my card and paid for the rooms. While I was on the cruise AMEX shut down my card for security reasons and I had to deal with all that mess through the cruise line proving to them who I was etc. So my card was released for use. When I returned from the cruise and got home I find a letter telling me that I have to contact them immediately due to security concerns it was dated 9/6 {I was on the cruise} so I contacted them by phone and went through all the security questions I was told that I should have contacted them earlier. I was told that I had to prove to them that I am me. They needed a copy of my drivers license, my social security card, a bill in my name at my address, {I guess their bill doesn't count} and that I needed to send in a check stub and have my signature notarized and fax it to them. I did all this.

When I confirmed that they had the fax I was told that it would take 3 days to clear this up. That was on 9/28. When I received my bill I disputed the dual charge from the hotel and AMEX verified that it had been previously paid and promptly credited it back to my account 3 times. I contacted them and told them that I only needed it credited back once. Then I paid my bill online and they tried to take it out of the wrong account, and charged me an nsf fee. I again contacted them and they agreed that they had messed up and refunded the nsf fee. The payment then went through on the correct account. Then yesterday 10/5 I went to use the card and was once again embarrasssed by it being declined. I called them and was told that the fax containing the notarized signature, drivers license, truck payment bill, high school diploma, draft card,and check stub was not good enough to prove who I am because pay chex did not have my employers address on the check stub. They said they needed a stub with the address on it, a phone number for the notory and a phone number for my employer {they already had this} so I hunted around and found an old stub with the address on it and faxed them the info they asked for. Then this morning they call me on my cell phone and tell me that the stub is too old they had confirmed that I gave them the correct phone number for my employer, but the bank is closed on Saturdays {no kidding} so they could not verify that the notary was real I guess. So now they want a 3 way conference call with my employer and I'm sure he's going to love that.

Since I have had this card I have spent about 14,000.00 On it and paid it in full and on time every month and now the former gestapo agents that they have running their security department are trying very hard to make me miserable, they have cost me time from work, embarrasssed me and generally treated me like scum. And I can not get contact info for a supervisor who might be able to resolve this due to "security concerns" the commercial that they run on TV is a lie, a joke, and false advertisement. They do not practice customer service they practice customer harassment
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Travel Miles
Posted by on
Rating: 1/51
PORTLAND, OREGON -- My family recently booked a flight to Boston using our American Express miles. An emergency arose two weeks before our flight causing us to change our departure date. We called the 1-800 number on our confirmation email and agreed to the change fees for 3 tickets of $1271.00. We were told we would receive a new flight itinerary in 3-5 minutes, we said our good byes and parted ways. 24hrs later no itinerary ever came. I called the 1-800 number again and spent the entire Saturday trying to sort this issue out. The flight was never booked do to errors on AmEx's part. They never communicated this error to us and they charged our AmEx card $1790.00 -- anyway! AmEx then stated the new ticket fee would be even higher. By the end of the day, tired of arguing and their not accepting any responsibility on their part for errors we got stuck with a $1900.00 change fee.
After 12 years as a card holder we too will be cutting up our card! As a side note, most European businesses refuse to accept AmEx cards. This caused serious problems for us when we were overseas with our young children.

Something is seriously wrong with American Express.
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American Express Spy On People By Going To The Cbi
Posted by on
Rating: 1/51
FT LAUDERDALE, FLORIDA -- Doesn't matter how long you have been with American Express doesn't matter how much membership fee you have paid to them at present we paid $180.00 a year, they without permission goes to the credit bureau report and without checking with you they make their own decision in lowering your credit limit, they have the nerve of stating because you "have too much credit" what a nerve, if you're in business you have too much useless talking to them, they just don't care about anybody, they think they are number #..Capital one is a better card with no membership, high credit limit, some times some memberships..nice customer service, helpful, American express you sucks..You have no right ongoing to your card member [bureau report without permission especially for no reason, my account is not past due, has never being past due..Maybe someone in your office is stealing info..after all the credit bureau contains a lot of info..
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AMEX Charges Interest No Matter What
Posted by on
Rating: 1/51
FISHERS, INDIANA -- What gives? I was doing great without any interest being charged to the card as I pay the entire balance showing on the billing statement before the due date. I recently received a statement showing an interest charge. When I phoned the customer service representative was immediately on the defensive and suggested I don't take it that way even though I gave her no indication that I would. I simply asked her for a reason why I was being charged an interest when I never received one before.

She stated I am always being charged an interest but it will not apply if I pay the balance in full by the due date. I agreed with her and asked again why I'm now being charged interest. She repeated her statement about it not being her opinion and that interest is charged all of the time. When I read the definition of interest posted on the back of the billing statement and specifically the part where I would not be charged interest if paid in full by the due date she again went of the defensive and said I would be charged interest no mater what.

Knowing I wasn't going to get anywhere with her I simply thanked her for her time and said that due to her customer care I would be cancelling the card after I speak with Costco. Keep moving forward.
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Giving a Gift and Taking It Away
Posted by on
Rating: 1/51
LAS VEGAS, NEVADA -- I was given a free pass to the American Express Centurion Lounge in Las Vegas. The man at the counter did not run my card and I was told I needed to pay $50. He also said I needed to pay $50 for him to answer a simple question.

I have been given an offer for my brother to attend the lounge for free because of the way I was treated. I am going to cancel my card and never attend that stupid lounge. Some employees at American Express treat their customers differently depending on a variety of factors I guess. I will not continue to give business to a company that discriminates.
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Closed My High Yield Savings Acct. Without Telling Me or Sending Me My Money Back.
Posted by on
Rating: 1/51
SALT LAKE, UTAH -- I opened a high yield savings account in March. I got a statement that they received my initial deposit. I didn't get any more statements so I decided to call and check on my balance. I was surprised my account had been closed. They said they thought it had been compromised. I asked why I wasn't notified, they tried to make excuses.

I asked for my balance and for them to send me my money back. They said it would take several days to figure it out. After waiting a week they called me back and left a message. I returned the call and left a message, After waiting all day, I called again. I was put on hold for a long time while they looked for my money. I told them to send the money overnight delivery. Finally think the check is in the mail. Very scary experience.
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American Express Has Hit a New Low in Customer Service Re Redeeming Points
Posted by on
Rating: 1/51
USA, HAWAII -- I called American Express today to use my points for a flight I just booked for my husband and they told me I could not redeem any points as I have never been signed up.

I had been using my card but only getting points on my husband's card and asked why they would not debit my card points and they said that it was because my husband never asked to have my card in the rewards program and only HE could authorize that!!!

What a stupid thing - someone is actually going to refuse their spouse the benefit of having something given back to them as a bonus rewards program>> Really?

So for the past 10 years that we have had this card and NOTHING has been accumulating points and I use the card every month for my business and nothing was going towards the point system!!!! Someone at some point should have asked me or my husband to sign up for the benefits.

I don't understand what kind of customer service this is but I can tell you that it is an awful sneaky and low way of doing business.
I have American Express at my store and unless this is corrected I will be pulling it out of my store also.
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