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230 Reviews & Complaints
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Devious and Unresponsive to Customer Complaints
Posted by Ctackett7 on 04/22/2013
American Express card holder for more than 35 years (shame on me - right), over the last few years of my membership the company continued to shrink the time allowed between receipt of my statement and due date of charges. The last year of membership the due date spread was a mere ten days. Disreputable device to achieve additional late charges.
     
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Posted by GFriebe on 2013-04-22:
When we had trouble paying the full amount owed last year, Amex set us up on a payment plan. While I am repaying the amount owed, Amex has frozen my 650000 air miles. These are points which I have already earned and paid for just didn't think it was fair. Meanwhile I have discovered that Capital One is paying 2 points for every dollar spent and you can choose any airline you want. Additionally their airline tickets include taxes and fees - Delta does not. so when I spent 130000 points to go to Europe, I had to spend 130000 dollars with Amex, but only 65000 dollars with Capital one. You do the math!
Posted by Genna on 2013-04-22:
I don't see a problem with this as long as AMEX lets you know about the changes.

Personally, it is the due date that is critical to me - not when the statement arrives. My due date is the 7th every month, so I know to go online and pay my bill the day before.
Posted by JW on 2013-06-24:
I've had the WORST experience with Amex, they are devious and give you contradicting information repeatedly !
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Worst Credit Card I Have Ever Had
Posted by Medyakova on 03/05/2013
SAN FRANCISCO, CALIFORNIA -- I had American Express credit card for less than year. I had to cancel my account because of unprofessionalism of American Express customer service. They provided me with misleading information in the regards of my dispute with Hotwire.com. I contacted customer service multiple times to make sure the problem will be taken care of and they were convincing me that American Express will do the best and will take care of my problem anyway.

After all, American Express didn't resolve dispute in my favor and had to apologize for the customer representative's mistake in being unprofessional in a sense of promising things they are not able to provide. I will never recommend American Express because their reputation of being the best customer service provider among other other financial institution is really questionable.
     
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Posted by madconsumer on 2013-03-06:
disputing services like hotwire, is extremely difficult.
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Merchants Keep Refusing To Accept This Card
Posted by Ok4now on 01/27/2013
I recently accepted an offer for an AMEX Card. Zero interest for 6 months, 2% cash back, no annual fee and a $55.00 credit after the first purchase. I prefer to use only one C. C. so I only have one payment each month. This also helps me to keep track of my spending instead of spreading it over multiple cards.

Shortly after receiving my new card I took my wife out to a nice restaurant for dinner. When I used the card to pay the check it was denied. The manager was very apologetic and explained due to the high merchant fees they don't accept it. Had to use my zero balance Visa card for payment.

After this three other merchants also denied the card for the same reason. AMEX gave me a $20K credit limit on a card that is difficult and embarrasssing to use. I'm done with this card and switched back to Visa.
     
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Posted by Bill on 2013-01-27:
A lot of establishments do not accept AMX for the reason the manager stated.
AMX is a great card if you travel a lot. Hotels, high end restaurants accept them eagerly.
Posted by spiderman2 on 2013-01-27:
We don't accept American Express at our store for this reason. We have signage on the door stating which credit cards we do take. My best advice on using an AmEx card is that you need to ask if it will be accepted before you order or buy something and always have a backup card with you. If you don't want to have a backup card, then American Express is not the card for you.
Posted by Lost Logic on 2013-01-27:
Every "nice" (and not so "nice") restaurant I have been to clearly posts accepted forms of payment. Same with merchants.
Posted by GenuineNerd on 2013-01-27:
Some establishments still do not take Discover cards as well, although Discover has been around for 30 years now, when the credit card was launched by Sears.
Posted by trmn8r on 2013-01-28:
spiderman hit the nail on the head - if you only have one card, AMEX isn't for you.

AMEX is a great card, for the right things. For all around use, not so much. I use my VISA for virtually everything, and AMEX only when travelling and restaurants.

It is funny how Discover and AMEX retain the characterisics to some extent that they have had for many years.
Posted by Bart_Mann on 2013-06-06:
AMEX discount rates/fees are double what VISA/Mastercard charges, they deduct them from the merchant's deposit immediately and even hold the merchant's deposit for an extra two to three days. This just raises the cost of business for all customers. Arrogance has its price.
Posted by Jocho Johnson on 2013-08-14:
I just saw on the AMEX web site the fee doubles when a card won't swipe and a merchant has to manually enter it. We got hit up for a $400 sale today that had to be swiped for double fees and didn't make jack on the sale and now that merchandise is gone for customers who would have paid in more normal ways so no more AMEX for this small business, take that card and shove it.
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Poor Customer Service
Posted by Jon21 on 08/07/2012
I don't know why anyone uses American Express over Visa. Their fees are extensive and their customer service is awful, and not all business except Amex.
     
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Posted by Joanne on 2012-11-07:
American Express is the card choice for Macy's customers. I have given Macy's a lot of business in the past. Long and short of it is American Express did not send me a statement for an online purchase and then they sent me a statement the next month with a finance charge and a late fee when they never sent the bill. I called them to let them know I did not receive the statement and they basically told me don't worry nothing will happen to your credit. I told them that I saved money using the Macy's Star Rewards coupons and that they were taking that away by giving me these fees and that I was not responsible for them not sending me a bill. They said they did bill me and that it was not their fault the US postal service lost my bill. Oh, so it's my fault? I told them to look at my history of payment and tell me if I am not a good paying customer, ontime and in full. This is their way of making money and it wasn't going to happen to me again. I closed the account and would not consider another one. I also have an LLBEAN visa and they have changed banks and I have never in twenty years not received my statement. Something is up here. Beware of AMEX
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TRANSFER YOUR MILES IN CASE YOU NEED TO PAY LATE
Posted by Gfriebe on 07/10/2012
I have about 3/4 million miles in my Amex account, which took me 10 years to accumulate. I always pay my account balance in full after each billing cycle, but when I was a month late recently, Amex would not release my hard earned miles. I argued that I earned these miles and that they should be mine regardless of what else happens, but they would not relent. So, if you have Amex points, convert them while you can.
Whenever I use the Amex card in business, people sometimes will ask "don't you have a different card"? Well, for the last year I have used my Capital One card together with the Amex. I get 2 points(miles) for every dollar spent, twice as much as Amex will pay and when it comes time to book a flight with air miles(points)I get a choice of about 6 major airlines. They have no blackout dates, all taxes and fees are included in the pay by points. Delta flights booked with Amex points by comparison, cost about 40% more and do not include taxes and fees. Thought you should know these facts. Now you may choose which card to use.
     
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Posted by Inat on 2012-07-10:
so, are you saying that I should go out and get a Capital One card? Geesh, you should be a paid spokesman!
Posted by trmn8r on 2012-07-10:
This does almost sound like a Cap One credit card advert.

I personally would never get a Cap One card - I was under the impression they cater primarily to people with distressed credit or have trouble getting credit.

I don't understand why businesses would question you using an Amex card - that is what Amex is best for. I haven't had any issues with using my rewards with Amex - but I pay my balance off in time every month.
Posted by Cwazychicken on 2012-07-10:
Capital one i have heard a lot of horror stories about. I think with any credit card, you should be wise and pay your monthly balance asap and not send late payments. Rewards or no rewards.
Posted by madconsumer on 2012-07-10:
does not sound like an advert to me.

very helpful review and voted as such!
Posted by Anonymous on 2012-07-10:
Capitol One has a secured card for people with bad credit but they certainly don't cater to those with bad credit. We have a Capitol One credit card with a hefty limit and our credit is perfect. In 5 years, we have never had a problem, other than when our card was fraudulently used to order computer equipment. Capitol one caught the fraud but didn't notify us right away. They sent a letter 2 weeks later saying our card was deactivated and a new one was on the way. And ironically, the day before we got the letter, I tried to use the card to pay an emergency vet bill and it was declined.
Posted by onlooker on 2012-07-10:
It was explained that as vendors earn less when they do AmEx transactions as compared other cards, so when there is a chance to not have to 'lose' ...do you have another card.... places will ask. Japan, Taiwan, China, HK, Malaysia, Thailand, Czech, Italy, S.A., lots of places ask.. Some do not accept it. BUT never had the request made in the US.
Posted by SirBigLou on 2012-07-11:
Excellent review!
Posted by ok4now on 2012-07-12:
Capital One has a different APR based on your FICO score. If you have bad credit don't expect any C.C. company to give you a favorable rate, or even issue you a card. When your credit is good they reward you with the good offers and a low APR. Capital One sends me checks every month for a balance transfer. Zero percent for a year and only a 2% transfer fee. Deals like this are hard to find. They have earned my business.
Posted by Anonymous on 2012-07-12:
My husband has had a GM card for years. After HSBC took over, they lowered his limit from $2,000 to $300. The card had been paid off for years, but it was used to pay XM radio every year and we always paid it on time. A few months later, Capitol One raised his credit limit by $4,000. And then they bought HSBC.
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Banking system designed to rob consumers
Posted by Miket1024 on 06/29/2012
DALLAS, TEXAS -- I am setup for Autopay with American Express. I recently made a much larger than usual purchase. I was nervous about high interest charges, so I went online and made the payment manually. American Express still processed the autopay resulting in thousands of dollars drained unexpectedly from my checking account and putting me in a position of possible overdraft. They indicated that it takes 7 business days to process a refund. In these days of computer banking it is nothing less than irresponsible to have a banking system that does not protect against double payment; it can only be concluded that American Express has designed their system this way deliberately in a blatant attempt to get an interest free loan from their own customers. Add to this the deliberate delay in correcting the situation and it is nothing less than criminal. SHAMEFUL!
     
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Posted by clutzycook on 2012-06-29:
Autopay is not smart pay. You arrange for the money to be taken out of your account automatically and then make a manual payment? Many people will sometimes make additional payments (I'm one of them), so how would Amex know that this was not your intention?
Posted by CowboyFan on 2012-06-29:
Seven business days is a reasonable period of time in which to get a refund for a mistake the op made. There is a sign I saw once which said something like "your crisis does not mean I have to drop everything to help you now." In other words, they will follow their normal procedures regardless of whether op's mistake made a problem for him.
Posted by trmn8r on 2012-06-29:
I do not agree that AMEX set this up to take advantage of getting an interest free loan.

Autopays are pretty much exactly that. They can't be cancelled on a few days notice, and I doubt AMEX's or many other companies' systems are set up to realize that you already paid manually.
Posted by madconsumer on 2012-06-29:
by paying an additional payment, your auto pay will still draft your bank account. only way to stop the auto drafting, is to cancel auto pay.
Posted by FED UP on 2013-06-27:
Recently set my account on minimum auto pay. I went in the store to make a small purchase my ATM card would not work. When I got into my bank account there was an overdraft because American Express auto pay tried to extract balance. I immediately checked my account, and indeed it was set for full balance. I called both bank and credit card to explain what had happened. That was June 16, and today is June 27, and American Express said there is nothing they can do its all automatic, however they can still add fees to my account. Meanwhile my business checking account is paralyzed in overdraft of $3000.00. I cant deposit cash, I had to remove most of the funds there, so the overdraft would be reversed. Apparently they can keep submitting the payment to the bank however many times they want. Not only that, but in between time isn't certain either, so if I put a stop payment, if they try again within 3 days it can still be paid. Meanwhile I have had to go into my other accounts change the banking info to make payments from my personal account, its a total mess. I cant deposit the company checks into the personal account unless I change the account and paperwork, names and so forth. Im beyond FED UP at this point. Hopefully they will finally stop trying for wrong amount payment before next months bills are due, I don't know what I will do then, because all funds are frozen. Never again.....nightmare city.
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Bad Application Policy - Ignorant Employees
Posted by Abrunets on 05/29/2012
I was asked by AmEx to provide additional information as part of the application process, particularly “a letter on original letterhead from your bank confirming your home address, including their title and signature”. I am not questioning the rational behind having bank verifying my home address, there a lots of other ways to do it, the problem is with the “original letterhead”. I visited 4 different branches of my Bank of America and talked to everyone all the way to VP of the branch and none of the reps were able to produce a letter on the letterhead. It simply doesn’t exist, they don’t have it and can’t make one up, but AmEx it totally ignorant about this fact.

I have spent countless hours on the phone talking to different AmEx reps and like a broken record the response was: “sir we need a letter on original letterhead”. I sent them a copy of my bank statement with my address, all of my BoA accounts information, signature and stamp of banks branch VP and business card attached, so it has BoA logo, my home address, banks representative title and signature. Guess what - it is not acceptable!?!?!? I even had a bank VP call them personally and explain that they don’t make letters on letterheads, still no breakthrough as I am getting the same response from AmEx.

I actually got one of the AmEx reps acknowledge that they had the same issue with Bank of America before so my questions was why didn’t you change your policy or requirements if you know that such problem exists??? This is so ignorant beyond believe. I understand that the policy exists to be followed and the AmEx representatives follow it well by being stupidly obeying, but if your policy doesn’t work - you need to change it.
     
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Posted by trmn8r on 2012-05-30:
I wouldn't refer to the AMEX employees' behavior as "stupidly obeying" - after all, it is a company policy. Therefore, it isn't surprising to hear that this has happened before.

The question to me is the purpose of the rule/procedure. Do you have a credit history, or are you just establishing it? That's what I'm thinking.

I am a bit surprised that having the bank VP's card, signature, and stamp were insufficient. It may be a sign of the times that the bank has no letterhead on hand. It appears that AMEX should revisit this policy and see if they can find a better way to accomplish the same goal.
Posted by Ponie on 2012-05-30:
Is there some reason why it *has* to be AmEx? Couldn't you go with some other company? With their requirements, which really can't be met, I think I'd try some other place.
Posted by Anonymous on 2012-05-30:
What do you mean that BoA doesn't have the ability to produce a letter on letterhead and that it simply doesn't exist?

You do realize that original bank letterhead just means it cannot be a faxed, photo copied, or otherwise altered version, right? It must be the original document.



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American Express Underhanded Tactics
Posted by Jb113gtt on 05/22/2012
SPARTANBURG, SOUTH CAROLINA -- My Mother had been an American express card holder since 1999. She passed away so I decided that instead of just letting the American express outsdanding bill go into escrow, I would ask American express to transfer the card and the balance into my name.

Of course since knowing that they cannot legally collect from someone deceased, they were happy to transfer the balance into my name. So I started using the card and paying the balance due each month and paying the payments on the pay over time balance.

ANever missing a payment and always paying on time, I received a letter from American express decreasing my credit limit until I paid the balance down to acceptable level. This was done by agreeing to pay a certain amount for a certain number of months.

At that time American express cancelled all my cards and charge privilidges but it was smart business because now I am liable for all that was on the card from my mothers balance.

But to me it is bad business and devious......Just saying but who would wnat to deal with this kind of company anyhow.
     
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Posted by tnchuck100 on 2012-05-22:
That will teach you to try to do the right thing with scum companies such as American Express. This is a prime example of "No Good Deed Goes Unpunished"

American Express: Way To Go! Alienated yet one more customer. And this one tried to treat YOU right. Way to go!
Posted by trmn8r on 2012-05-22:
The right thing to do was pay off your mom's debt. When my mom died, one of the first things I did was pay off her utility bills and her credit card. I didn't stop to consider if anyone could collect on the debts.

They shut all your cards off, which hints that your credit may not have been good. Transferring this debt to your name may have been part of the cause, but it doesn't necessarily sound like the crux of the matter.
Posted by FoDaddy19 on 2012-05-22:
I could be mistaken, but doesn't AMEX *require* you to pay the balance off every month full stop? The way I understood is that, AMEX isn't like Visa or Mastercard were you can carry a balance so long as you make the minimum payment. Like I said though I could easily be mistaken about that.

As for your complaint, there's a crucial bit of information missing here; How much did your mother owe on the card? If you took on that debt when you had the account signed over to you, then yeah, you're responsible for it, and honestly I don't see anything wrong if they reduced the credit limited if there was indeed an outstanding balance, even though you didn't run up the debt yourself, when you took the account over, you take responsibility for the previous debt. With that said, if the canceled your card and perks that went along with *after* you had agreed to pay X amount of money a month for X number of months, then yes, they indeed wronged you.
Posted by trmn8r on 2012-05-22:
I forgot to consider that your mom's debt may have exceeded her estate. In that case, not paying may be in order. Otherwise, paying is just the right thing to do IMO.
Posted by lexophiliac on 2012-05-22:
@ FoDaddy19 - Amex has a flexible payment option plan - there are three different monthly payment options.

You can choose to pay the minimum due, your total account balance or any amount in between. Restrictions may apply of course.
Posted by BigAl on 2012-05-22:
Here is the problem. You can assume her debt but you cannot assume her credit line. Her credit line was based on her credit worthiness and her ability to pay. American Express probably saw the balance owed rising and took steps to eliminate the problem.
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Is AMEX going to the Wall
Posted by Boldjack on 04/26/2012
Is AMEX going to the wall? Over the last week a number of AMEX uses have had to pay in full what they have owed only to have their cards cancelled.

Not what you call good customer service.
     
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Posted by trmn8r on 2012-04-26:
If "going to the wall" means failing, I think not. I have owned AMEX stock for about a year and it returned 32%+ Not bad at all.

Maybe what is happening (it is hard to tell without more details) is AMEX is encouraging some account holders to look elsewhere for the privilege of being extended credit.
Posted by Bill on 2012-04-26:
Depends on the type of AMEX card. Green and Gold required payment in full each month.
There really convenience cards not credit.
They give you the convenience and you give them their money each month. They make money off of yearly fees and merchant fees not interest.
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Awful
Posted by Lamberts26 on 01/15/2012
BALTIMORE, MARYLAND -- MA here to tell my fellows who may be thinking of American express as option this guys gave me their GOLD CARD with spending limit of up to 2500 dollars per month as long as you will be able to pay it back, I asked them if they gonna report me to Bureau if I pay they said nope since this is not a credit card.

However I was surprised to find them have reported every single usage of this card with intention to bring down my credit score. You may wonder how ?? It is like this they don't report how much is the credit limit, and how is the payment agreement, instead they simply report what you used to be highest balance as a result bureau consider you to be a bad customer while you keep paying this Amex company every single month.

When I called them they put me on hold for long enough and then transferred to a phone number that does not exist, later they another department of theirs had to just hang up on me .

But am still a so called valued customer. Just imagine ?????? Valued Customer???? Am considering to close their card as soon possible.
     
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Posted by trmn8r on 2012-01-16:
It is true that an AMEX gold card is not a standard credit card - I believe this is the explanation for why the utilization is handled differently, and not a plot to intentionally damage its customers' credit ratings. I don't see the advantage in that.
Posted by madconsumer on 2012-01-16:
correct, amex gold cards are paid off monthly. i have used mine for years, and never found this to be an issue. as far as reporting to the credit agencies, all credit card companies do this.
Posted by tnchuck100 on 2012-01-16:
I think one of the issues here is that AmEx is apparently not reporting the credit limit. This make it appear that 100% credit utilization is on this card. That, in turn, lowers your credit score considerably. And if this is the only card he has it really makes your debt ratio look bad.

I do not think AmEx is deliberately out to hurt your credit score but by their actions it is apparent they don't care if they do hurt you.
Posted by madconsumer on 2012-01-16:
depending on your credit rating, amex gold cards have no limit.
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