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AM Not Crediting Highest Interest Debt, Putting It on Lowest
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

SHELTON, WASHINGTON -- Last July I was looking at my bill, and noticed that on my two balance transfers, they were crediting the one with zero until 2016, instead of the zero one that would expire in Sept. 2015. The agent said he did not understand why "they" were doing that, and so, said he would fix it, and have the payments applied correctly. He also suggested I close one of the AE accounts and take another balance transfer at zero to pay the prior ones amount. So, deposited a transfer into my checking, and then paid off underlying one that had interest. He said he would make the corrections for AE misapplying the credit to lessor interest account.

In December I was looking at my statement and I owed more than the month before on that initial account, and the longer zero interest rates were being credited my overages. I was furious. I called them and the lady said she was aware that that had been happening and she would look into it... When she got back to me, she admitted that I was correct, and the $80 plus interest I had been paying since September should have been around $14.00, and the $7000+ they had listed should be around $3000. I disagreed with her as I had done the math over the past year and told her it should be more like $1200, and my zero interest should be intact for amount transferred.

She said she would fix it, and since I heard that before, I told her I wanted a full accounting of the credits (not just a statement) and I wanted to speak to a manager. This is fraudulent behavior as they were aware of, didn't notify the customer of the errors, and had I not seen it happen this second time, would still be paying interest on an incorrect amount to their benefit. How is this not lawsuit worthy? Patrons of AE need to be made aware of this sleight of hand. Fraudulent in all aspects... knew of the errors, didn't research and inform patrons, once identified, continued to do the same, and say "oops" again. Check into this people!

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It Sucks!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I've been enrolled in this Premier rewards card for five months, attracted by that opening card bonus of 50000 points. What a fool I was. Yes, I got those points but haven't used them yet (to tell you what, use them immediately once you get it or you'll never be able to).

This month, I got an email saying there's a security issue with my card and they need me to contact them immediately. I gave them a call and they put me through a bothering process to verify my identity with BOA, however, the moment I finished that, the girl on the other side told me: "Oh, your identity is still not verified, another team will contact you for that." Why, then why did you make me contact my banker of BOA and go through this process? They refused to tell you the reason. Fine, I have patience. Let's see.

The other day, I got another email saying exactly the same thing as if I had never called them. So I called them again and this time they need me to verify another bank relationship, ok! I gave them Citibank. The Citibank lady was very nice to help me go through the process and thanked me for being a loyal and nice member. HOWEVER, the AMEX lady was not satisfied. She told me she still can't verify my identity and need me to find my bankers and get their signature. DAMN YOU!

Then why did you let me go through the whole process, I only have one hour lunch break and there was no time left for me to have lunch with all of your **. Not to mention both banks proved all my info correct. COME ON, I AM A REAL PERSON! And again they refuse to tell me what the security issue is and why with two banks' guarantee, I'm still not a trustworthy person!

Also, it's not long since I got those bonus points, so I wonder if they just want me to cancel the card so they get all my money for their purpose and don't have to give me the bonus. And the bank statement is a total mess. I paid in full but the amount I paid somehow becomes what I owe them, so what is showed on their website is I need to pay twice the amount of money as before. I'm SPEECHLESS. I've never had this awful experience with any bank in the world. I decide to cancel this card and never use AMEX again, they really know how to piss people off.

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Account Sent to Collections for $3.96 Balance?
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

TAMPA, FLORIDA -- This is how the story goes. I've been a AMEX member since 1996, always paying the full balance when due, always!!! But, I decided to get their Costco AMEX because it made it easy for me to shop there. Within a month and a half of having this particular Amex, they notified me that my account was being cancelled (note I had never ever been late) and gave me too many reasons to list. So trying to make sense of it all, I called them to no avail. They said they would not re-instate the account.

So I continued to make my payments on time as always, until March of this year when I decided I did not want any more debt and paid the balance in FULL, even a little more so that it would take care of any interest the account could have accrued.

To my surprise and being sure I did not owe them a penny, I checked my account online, did not see any balance, so I dismissed the following statements (April), until a week ago I get a notification from a credit bureau letting me know that an account had reported me delinquent. Somehow, I knew, that it had to be American Express, so I got online and checked my account, and sure enough, there was a balance of $3.96 past due. Called them and they took care of it, denying they were the ones who had reported me late and therefore delinquent.

I just received a copy of my credit report, and what do I find out? That American Express, not only had reported my delinquent for $3.96, but that my cancelled account had been sent to the collections department (something they still deny). I tried to have them help me fix the situation with the credit bureau, and their answer was: since my account had been closed by them, that I would have to take care of it on my own. Once you are not a "member" anymore, you've fallen out of grace with them and you are treated poorly. Sad but true story.

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Bad Application Policy - Ignorant Employees
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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 rationale behind having bank verifying my home address, there are 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 is 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, bank's 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 belief. 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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American Express / Costco Card
By -

LAWRENCEVILLE, GEORGIA -- In August of 2011, I applied for an American Express/Costco card. My credit is excellent but the card was declined because I had a credit freeze on my credit account. I removed the freeze, the card was issued on September 19, 2011; as of this date, November 7, 2011, I still do not have it.

I called A/E many times in an effort to get the status on my application; on more than one occasion, I had to try to communicate with their representative who spoke in such heavily accented English, that I could not understand what they were saying. A/E told me that the card was mailed on October 20. Finally I called Costco customer support for assistance; I talked to supervisor, Judy ** who told me that the card was mailed on October 28 and that I should have it in about 10 days.

I called customer support about 8 days later, stayed on hold for more than 5 minutes. When the c/s employee answered, I told her I was having a problem getting an A/E card issued and wanted to talk to Ms. **. Her response, "Are you calling American Express or Costco?" In frustration, I raised my voice and said that I wanted to speak to a supervisor. The employee said she couldn't help me and broke the connection.

Subsequently, Ms ** called me and left word that the card was indeed mailed in Seattle on the 28th and I should have it by mid November. Mid November is 18 days from the date of mailing; she had previously told me I would receive it in 10 days. On November 5, I went to the Costco store at the Mall of Georgia; the store was packed with shoppers as is the case on weekends.

When I presented my membership card at checkout, I was told that it had been cancelled and that I would have to go to the service desk to have it renewed. I had to wait more than 20 minutes to be waited on, got the card renewed and had to go through checkout again. I am canceling my request for the A/E card. (:-(!!!

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American Express is the worst company to deal with and they have no customer service at all.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I have been with AX since 1997. Due to my excellent payment record I maintained a very low interest rate for many years. In April 2016 they decided to double my interest rate from 7.4% to 15.9 on two different cards. When I called and spoke to three different people each one said there was nothing they could do because that is the market rate. That was a lie. All credit cards set their rates to whatever they want. I have 8% on two other cards which I will of course use from now on.

AX has no intelligent people in Customer Service and None are from United States. I am closing my account at American Express Bank this week also. I hope they go out of business. The poor CEO had to take a pay cut in 2015 and only made 18+ million. Oh... that's why they want me to pay more...hummmm.

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Amex Is the Worst !!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

Amex is the worst credit card company with their worst customer support. No other customer support compete their employees and their disrespect towards customers. Here is my experience, recently applied my Amex credit card and it was hacked and was under fraudulent. I called Amex and requested them to decline transactions and close my card and send me a new card. Instead they told me to provide my identification which is a an hour work to send them a notary and supportive documents to prove my identity, but this notary has to be done on their which it took 7 days to send me.

And in meantime they allowed more fraudulent transactions instead of freezing my account and still I have been calling them and they are switching me across teams as if they are going to provide me a solution. I lost confidence on them as their employees doesn't know how to deal with customers and they are least concerned about us. Worst customer service and worst credit card company ever!!!

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

I have been a member since 1993. I have a Blue and Green card. I can honestly say in the past there have been a few times that I have had to call and let AMEX know I would be a little late making a payment and they were always so accommodating. Great customer service. This past December I had an issue paying some of my other creditors but was current with AMEX and right before Christmas AMEX cut my spending limit way back right after I made my timely payment to them. My other creditors whom I called and made payment arrangements with were ALL accommodating.

Now several weeks later ALL are caught up and several have been paid off completely. After 21 years my longest creditor did not stand by me during this short credit glitch even though they were paid. Their action and particularly their timing (right before Christmas) I found to be shameful and reprehensible. AMEX you lost a customer that others are happy to take.

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Worse Than Tax Collectors
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

There is no option for online feedback in open forum on Amex in Singapore. So, I decided to go global. Amex customer service called me to remind me of a payment I missed and told me my card will be unsuspended if it was done. I did the payment and called them and the agent on the phone told me it was available for use in 15 mins. When I tried to put through an online transaction, I was told the card could not process.

Another call to Amex and was told my card is in credit management? I was informed that they will follow up after the weekend. I did missed a couple of calls on Monday but the callers did not leave a voicemail. As there was no follow up, I assumed card problem resolved. Today is Tuesday and card still unavailable for use.

My gripe is: customer service told me all was good upon payment and after payment, I get informed that card still unavailable for use. Just one missed payment and Amex cancels account? Then why the lies to tell me my account was good to go upon payment? Why was there no follow up? I have not received such bad service from Amex. Many friends told me that Amex is horrible but I didn't believe. Now it makes sense.

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Banking System Designed to Rob Consumers
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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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American Express Rating:
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1.3 out of 5, based on 33 ratings and
246 reviews & complaints.
Contact Information:
American Express
World Financial Center, 200 Vesey Street
New York, NY 10285
212-640-2000 (ph)
212-619-9802 (fax)
www.americanexpress.com
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