American Express Company

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] This is not acceptable American Express makes completely contradicting statements In one letter they sent me they said the package was delivered so it can not be disputedOn the other letter from their insurance company they the package was lost by the career so the insurance can't be appliedAmerican Express is clearly trying to get out of reimbursing me for this charge I have spoke with Amex and disputed the charges several times and every time [redacted] sends them the same exact papers and they say ok they provided us with enough documentsBut it was the exact same document! If the package is lost by [redacted] then [redacted] is the sender and needs to apply to [redacted] for reimbursement by their insurance I want the dispute with [redacted] to be opened again and they need to show that they contacted [redacted] for the package and if the items are lost after delivery then american express needs to pay me by their insurance I also had other insurance claims for other items stolen from my house and I gave them all the documents they requested including police report and receipts and I didn't get any response I have been a member for more than years and just this year I had more than $50,in purchases on my card, all paid off already and american express gives me a very poor service This is not the way American express wasi'm going to use my other cards instead and close my account with them In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

American Express responded to the consumer via written correspondence on September **, 2014, October *, and October **, The consumer's additional correspondence contains no new information to which American Express can respond,therefore no response will be sent to the consumerPlease note that American Express considers this matter closedUnless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.Thank You

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I sent them new documents in my last email
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

American Express previously responded to the consumer via written correspondence on September **, in response to Revdex.com reference # ***. Please note, American Express considers this matter closed

Revdex.com:
I have reviewed the response made by the business in...

reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]
 This is not acceptable. 
American Express makes completely contradicting statements.  In one letter they sent me they said the package was delivered so it can not be disputed. On the other letter from their insurance company they the package was lost by the career so the insurance can't be applied. American Express is clearly trying to get out of reimbursing me for this charge.   I have spoke with Amex and disputed the charges several times and every time [redacted] sends them the same exact papers and they say ok they provided us with enough documents. But it was the exact same document!
If the package is lost by [redacted] then [redacted] is the sender and needs to apply to [redacted] for reimbursement by their insurance I want the dispute with [redacted] to be opened again and they need to show that they contacted [redacted] for the package.
 and if the items are lost after delivery then american express needs to pay me by their insurance. 
I also had other insurance claims for other items stolen from my house and I gave them all the documents they requested including police report and receipts and I didn't get any response.
 I have been a member for more than 15 years and just this year I had more than $50,000 in purchases on my card, all paid off already and american express gives me a very poor service.  This is not the way American express was. i'm going to use my other cards instead and close my account with them.
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

Review: [redacted] was a corporation with a Plum Card #[redacted] opened in June 2013

At that time, [redacted], was an employee of [redacted]. Shortly after, [redacted] was sold to another party.

As part of that agreement, the new party was liable for all debts.

[redacted] made American Express aware of the new business owners and requested they ask new owners to submit application for credit card in order to remove employee name [redacted].

[redacted] has recently realized that American Express has made negative remarks on his personal credit report despite:

1) [redacted] not being an employee of [redacted]

2) Not affiliated with [redacted]

3) [redacted] being owned by a new entity

4) The credit card was a corporate/business card not personal under the name [redacted]. [redacted] did not request a personal/corporate card from American Express under his name.

Their bsuiness practices have continued to be shown jaded as evident by the Dec. 2013 announcement that American Express was ordered to pay $60 million dollars for deceptive business practices. My incident should come as no surprise.Desired Settlement: Request American Express to delete negative, inaccurate, and false information and the entire account from [redacted]'s personal credit report. It should have no bearing on his personal business transactions. This should effect the

corporation of [redacted]. Not personally [redacted].

The account & Negative information should be removed from ALL 3 CREDIT REPORTING AGENCIES.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

American Express failed to respond in a medium that allows me to make any determination. Since they have "mailed a letter" I will assume they fail to recognize their

error(s) and have not/will not take the necessary corrective measures. They could have easily taken the corrective actions necessary to remove the negative, false, and inaccurate information on my personal credit report.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence on April **, 2014. The consumer needs to allow 7 – 10 mailing days for mailing time.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

Unfortunately, American Express has failed to recognize their intentional and deliberate acts of negligence. I would strong urge those considering any credit cards/lines of credit with American Express to think twice. Thankfully, we have a legal system that gives individuals an opportunity to prove our case.

I will never do business with American Express in the future and would not recommend American Express for any business transactions.

At this point, there is nothing further to do with the Revdex.com. I will be filing suit and serving the complaint/summons on their registered agent. Thank you.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: 4 instances of ID theft totaling $400. Numerous calls to AMEX to get this handled. The four transactions occurred on 2/**/14

American Express Pre-paid Card #[redacted], security code on front of card is [redacted]. On 2/**/14 4 separate $100 transactions took place at an Exxon Mobil at 3:30pm EST. by the time the second transaction hit my text message inbox, I was on the phone with AMEX customer service. While I was talking to the Amex rep, two more transactions went through, and my credit card is in my pocket. I don't drive, I don't own a car, my card is in my pocket so imagine my horror when $400 disappeared in less than 10 minsDesired Settlement: I am seeking my money to be refunded to my account as well as a replacement card. Although, quite frankly, If/when my money is replaced I am seriously considering leaving American Express. Im am very disappointed since AMEX reputation has always been that of exemplary customer service. their customer service is horrible. Maybe this is the way that they treat their "pre-paid" customers and not regular AMEX customers, in which case this is just prejudicial service. At any rate they need to be hel

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: I have sent back the necessary firms to American express via fax and usps, and as of today, 4/*/14 they claim that they still have not received my completed forms although I sent them Monday of last week. It doesn't not take 5-7 days to receive a fax or a first class letter. The original id theft took place on 2/**/14. We are going into the 2nd month now. Please help me.

[Your Answer Here]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence on April *, 2014. The consumer needs to allow 7 – 10 days for mailing time.

Review: I have contacted American Express several times since August and let them know that my husband was deploying so they can lower my interest rate down to at least 6% per the soilders and sailors act and also sent them a copy of my husbands orders several times. I keep getting the run around and my credit card has been charged interest of at least 19% since Sept. I cannot reach anyone that can give me a status update as to why my interest was not lowered to 6% since Sept of 2014 the departure time my husband left for his deployment. American Express is required to lower my interest rate to at least 6% it is the LAW! They keep telling me there is a seperate department that handles that and cannot give me a status update.Desired Settlement: I want my credit card reimbursed every month for the 19% interest they have charged me since Sept and I also want it to continue until my husband gets home from his deployment.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I called Amex to ask why the "pay for points" option with Uber wasn't working. The person on the phone told me it wasn't a big deal because I could retroactively use points to pay for the charges. When I used my card on about $150 in Uber charges and asked to apply points, the second representative said it wasn't possible because I have a corporate card and not a personal card and simply said "I apologize for the other person giving you incorrect information." Since I made these purchases in reliance on American Express' statement, I think it's only fair to allow a one time exception.Desired Settlement: Use points to pay for Uber charges:

[redacted], $27.16 [redacted], $49.50

[redacted]: $28.15

[redacted]: $55.22

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Uber was able to resolve the issue on their end.

Review: I've been with American Express SERVE for over a year now and three times I've dealt with the issue of them holding funds that were supposed to be cancelled and reversed. The first time I cancelled a transaction with [redacted] and called Amex customer service to get the funds reversed. They said that I need to contact the merchant and get an id number then call merchant services. The number they gave me the first time was incorrect and when I called [redacted] to get a merchant id code, they had no idea what I was talking about. I had to call back multiple times to get a representative to reverse the funds. The second time was with the gas station. Now I put gas in my vehicle and the station held over 100 dollars if not just 100 out of my account. I waiting until the actual amount of money that was put into my gas tank cleared before I gave Amex a call. When I called each representative stressed that it would be 8 days before the funds were reversed because they need to make sure the other amount (the actual gas amount) was cleared. The sad part was, it had already cleared and they refused multiple times to correct the balance in my account. I finally spoke with an individual who was nice enough to speak with a supervisor and get the funds corrected. This last and final time. I noticed over 300 dollars out of my account by a collection agency [redacted]. It was 325.97 total. I quickly called Amex and got more information about the transaction and what company it was. The representative gave me the number and I called. I explained my frustration with the company and they cancelled the transaction for me. I called back knowing that everything would be fixed but they wanted me to get the merchant id and all this extra again. I tried to explain to the lady that I've been through this before but she wouldn't listen. She kept stressing to me about merchants. I have her the same number she gave me and she tried conferencing them with me. They never answered. I got off the phone tried calling again and no answer. I then contacted Amex again and a nice woman decided to put me on hold for about 30 mins and got a supervisor on the line. I was explaining my situation to him and he said he's going to get the funds reversed for me. He put me on hold a few times, asked for the merchants number. He told me towards the end of the phone call that he would call me back in 30 mins and within an HOUR my funds would be reversed. I feel as though this was a way to brush the situation off. I did not recieve a call back and he also verified my number with me. I did not see a change in my account. I called this morning around [redacted] and there were no notes in my account about the whole situation. Once again I'm back at square one. I want my money back into my account and for my account to be closed AFTER my funds are restored and I remove those funds from the account.Desired Settlement: I want my funds reversed and I want to take my money out that account. That account should be closed!

Business

Response:

American Express mailed our response to the consumer today.

Review: On 1/**/2015, I made 1 payment and received 1 confirmation number. Unfortunately, I did not write the number down. I have a severe [redacted] disorder as a result of the 2nd of 3 [redacted] and my right [redacted] is fused due to[redacted]. Writing is not my strong suite. I depend of the internet a lot due to multiple disabilities. I don't drive so I do most of my banking on line also. I was forced to stop working 14 years ago after my second of three [redacted]. I am permanently disabled and am supposed to avoid stress. American Express is making that impossible right now. On 1/**/2015, I logged on to my [redacted] account to pay my [redacted] bill. To horror, I found that my account had been flagged. My checking account was overdrawn by $153, I had incurred several insufficient funds charges and my [redacted] account was over the limit. A review of the history of my checking account revealed that American Express had deducted my payment from my account twice for a total of $1114.02. My husband and I live on his social security and my disability. While this may seem like a small amt to some, it's a lot to us. I called [redacted]. They said they couldn't do anything until AmEx credited the money back. I called AmEx cust serv. A young man said the policy was to send a check, but since this was an error on the part of AmEx, the would they would wire transfer the money on[redacted]. Since it was [redacted], I figured this was the best outcome I could get. I wasn't happy because my husband's birthday was on[redacted]. I had to figure out how I was going to pay for things I had already ordered. On[redacted], I called AmEx cust serv again to see when I when I could expect the money in my account. The young lady I spoke to said that it was not being wire transferred, and that I would have to wait 7-10 days for a check. After escalating the call 3 times, I asked why they couldn't do a wire transfer. Policy no wire transfers under $3000. I asked them to overnight the check. Refused. Refused to escalate call.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the amount of $557.07 put back in my account. I want to be reimbursed for the fees incurred as a result of this error. I want a letter of apology from American Express to [redacted] for their error.When I contacted American Express on[redacted], I found out that I was speaking to people in [redacted]. It was impossible for me to understand their names. The last person I talked to tried blame me and refused to excelerate the call. I

Business

Response:

American Express mailed our response to the consumer today.

Review: I have been a cardholder of American Express since 2010 and purchased the card to accummulate points toward Delta Skymiles. Unfortunately, in 2011, I purchased a timeshare that did not seem valid and cancelled the timeshare in the appropriate amount of time (days later). I expected the 24,500 points to go onto my skymiles account and be reversed at that time. We were unaware that they did not get taken off until now. When accessing my skymiles account in 2014, I purchased airline tickets, based on the account information on skymiles. Skymiles claim that American Express is responsible for the accounting of the points redeemed from purchases. Once I booked the ticket and flew to Daytona in March of 2014, I noticed my points were not showing up. When I called American Express, they stated I borrowed the points. I'm debt free and "never" use what I don't have! I would never have borrowed points. They deducted the 24,500 points in September of 2014! They now are stating that all my points are in the negative - though nothing shows up accurately on the skymiles account. My compaint is not that I should have owed them, but the accounting practice of deducting them 3 years later and after I used what I thought I had. Customer Service claim that this mistake is of no consequence to them and they will not remedy this situation. I will cancel the card if American Express will not assume responsibility of a three-year accounting error and start accummulating my future purchases.Desired Settlement: My points begin accruing again without a negative balance - due to the error of American Express not adaquately maintaining the records of our Skymile Account in relation to the American Express card. I don't dispute that the points should have come off, just not three years later and after I used points I did not have. I would never have used them if I thought the points had not already been reversed. Since the accounting system is flawed, it is the fault of American Express that this unfortunately situation is in place. If the accounting system did not reflect this in 2011, how do I know the accuracy of the American Express/Delta for the future as well?

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I unfortunately made a double payment to my Platinum card (meant to make payment to Blue card) and had a series of issues since then. Please refer to my account history for all the details as it is way too long to type. Bottom line is this - I have been a loyal customer since 1987 and between my husband's account and mine, we have charged will over 3 million so to have what happened to me last month with this issue is beyond ridiculous. In regards to resolving a consumer's issue, one will get 10 different responses and maybe just maybe, if you are lucky, you will get a rep with common sense that is not located overseas. My error in making two payments to my account should have been easily resolved but instead had my account was suspended for about two weeks as I issued a "stop payment" on the second payment and had to wait for the 3 attempt process even though a "stop payment" was issued. What makes it even more ridiculous is my account was NEVER showing it not to be current. Finally , after speaking with at least 10 reps 10 different times, a rep from Phoenix resolved this problem. Now this month when I made my payment and accounted for credits I had (two being from AMEX for trying to remedy my anger from prior month) but found out they were not going to be applied. I received an email stating my financial institution would not honor my payment. This was completely incorrect as both payments had cleared the bank. So when I made a phone call to find out what this email meant, I found out because of prior month's incident of my "stop payment" that I had to pay full amount due and not account for any credits issued to me. I have come to have extreme anger to American Express and am still contemplating discontinuing my card. I have not done so only because of inconvenience but I probably will simply because of the principle of the whole matter. I may not be explaining all that I need to in this letter and can do much better verbally. I am NOT a fan of American Express as the company I once knew is no longer what is used to be.Desired Settlement: I will leave that up to the company.

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

I have not received any communication (e-mail, phone call, etc) from American Express in regards to this complaint. I rechecked my e-mails from November [redacted] and see nothing so am still waiting for a response.

Business

Response:

We responded to the consumer via written correspondence on November **, 2014. The consumer needs to allow 7 – 10 days for mailing time

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Basically, I received a letter stating what I had told them previously in phone calls. Amex just simply repeated, leaving out some mishaps, the events that occurred then delivered their "canned" statement of gratitude and their hope that their attempts would resolve the matter. So, in my opinion, they did nothing and I really didn't think they would. Bottom line, American Express is not the company it once was. They will never admit to any lack of professionalism or error on their part so they simply repeat your issues and give their apologies. Please just post my complaint so it will be with the other hundreds this company has.Thank you for your efforts and it does feel good to publicize my complaint.-[redacted]Your Answer Here]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: American Express has paid 3 unauthorized charges to their Vendors(9/**/09-$6549, 11/**/13 $4100, 10/*/13-$5328.90)amounting to $15,977.90 on my card.

American Express has paid three unauthorized charges to their Vendors (9/**/09 - $6549, 11/**/13 $4100, 10/*/13 $5328.90) amounting to $15,977.90 from my American Express credit card without my written consent. I have contacted American Express and reported all three unauthorized/fraudulent charges and they have so far refused to credit my account on all of them.

The last one is supposedly under review by them. American Express stated that since I issued my credit card number to the Vendors in question, they won't assist me with a refund. A practice, I find to be unconscionable to say the least and shall not be allowed by law.

I am sure this is a known fact by American Express' Vendors. How can a consumer be protected from any American Express' Predatory Merchants with this rule?. American Express is relaying to the Public that once they issue their AmEX card to an American Express Vendor regardless if they receive service or not from that Vendor they're hooked for payment for any amount desired by the Vendor. American Express will pay on whatever their Vendor decides to charge as long as they have your credit card number in their possession, that's what I've been told by American Express. This American Express' PREDATORY procedure should be treated as unconstitutional, unconscionable and illegal if not already.

What occurred in my case is the following: The first Vendor is a dentist that I used previously that kept my credit card on file and went on charging my card for a quote on dental work and services that were not rendered for $6549 without my knowledge and consent. The second Vendor is an extended car warranty that I purchased by phone and cancelled within a 30 day money-back guarantee for $4100. The third Vendor is a Resort that I stayed in and paid in full upfront, however the resort went back to my credit card and charged an authorized supplemental amount of $5328.90 without my knowledge or written consent.

I have reported what went on to American Express and exhausted all three cases to no avail. All three Vendors obtained payment from American Express without my written consent, signature, knowledge or authorization. It is my firm belief that American Express is using an illegal ploy to SCAM the public and collect fees. This is theft by deception at best and extortion on American Express' part. American Express needs to be stopped. I have requested an arbitration on all three cases. To date American Express has failed to issue a date or accommodate my request. Instead American Express has advised me to go to court with the three Vendors as they chose to stay out of it even though American Express have conspired with these three Vendors to defraud me out of $15,977.90 on services I did not receive.

I am currently pursuing the first Vendor legally. My legal fees so far on the first case have exceeded the amount stolen by this American Express Vendor (Dentist) and American Express. I can't afford to lose $15,977.90 to American Express and in addition pursue litigation in court on these three matters. Please help me resolve these cases.Desired Settlement: I want back my $15,977.90 that American Express has paid out to their Vendors without my knowledge, permission, written consent or authorization. Also, It should be made illegal for all credit card companies to pay on charges submitted to them from their vendors without the credit cardholder's written consent and authorization.

Business

Response:

American Express mailed our response to the consumer today.

Review: I set up an online automatic payment for my monthly statement that would be taken from my checking account. I set it up to pay the entire balance which at the time was $821.90. I was charged twice and they ended up taking $1643.80 from my account which then ended up being overdrawn by about -$400.00. This charge occurred once on 02/**/2014 and then again 02/**/2014. I called them on February 14th and was told I would be issued a refund within 7 days. I was also told that it would take up to 7 days whether it was directly deposited into my account or if they sent a check by mail. I chose for them to send me a check. I waited the 7 days. The check did not arrive, called again and was told it was processed on the [redacted] and to expect it in the next 3-5 days. I then called again and was told this time that it was processed on the [redacted] and again to expect it within 3-5 days. Today is the 27th and I called again this afternoon and was told to expect it by next Wednesday, March [redacted]. At this point I'm not sure if anything will be resolved because each person I speak with tells me something different.Desired Settlement: I would like for a complete refund to be issued promptly. I also want to be reimbursed for the multiple overdraft charges I have incurred from my bank due to their negligence. My bank said that the initial overdraft fee could be removed. As of now, I have about 3 because of other monthly charges to that account. If American Express had not kept telling me that I would receive the refund within 7 days if they knew it wouldn't be possible I wouldn't have allowed my check from my job to still be directly deposited into that account, because even though I was paid by my job, the account is still overdrawn. So I am still unable to pay my bills.

Business

Response:

We responded to the customer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9947339, and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Dear Sir or Madam:

I recently applied for the American Express Premier Rewards Gold (PRG) credit card from the Amex website on October **, 2013. On this site, there was an offer for 25,000 Membership Rewards points after $2,000 spend within 3 months. However, when calling to confirm my sign-on bonus, I was denied this bonus. After speaking with multiple agents to try to find a resolution, I am quite disappointed and shocked at what has transpired this past month.

First, an agent informed me that the offer had already expired. However, on the landing page I used to apply for the PRG card, nowhere does it indicate when this offer expires. As a consumer, I would have no way of knowing that this promotion has expired, if I were not informed at the time of application. Second, if this promotion has expired, then the link should not be working when I applied – yet it still worked. I was able to show 3 agents the URL with the 25k sign-on bonus.

I am not disputing if this promotion has expired; again as a consumer not working within Amex, I am not privy to how Amex internally processes these card applications. On principal, what shocks me is that 3 agents at Amex have seen this offer from the URL I provided that I used to apply for this card – the page has no mention of an expiration date, yet 3 agents told me that Amex will not honor it. I may have applied to this card without the bonus offer, as my wife has this card and she likes the benefits she receives with the card (buying electronics with this card). But to have Amex promise me one thing and not honor is false advertising and frankly, very bad business practice.

After a month of calling Amex numerous times and wanting to resolve this issue, I hope Amex at least removes that link so no other consumers will apply based on the false promise made by Amex.

Thank you for taking the time to read this letter. I have been a satisfied customer of Amex for some time and this is the first time I had such a disheartening experience with Amex.

Regards,

[redacted]Desired Settlement: Honoring the Amex PRG offer for 25,000 Membership Rewards points after $2,000 spend within 3 months.

Business

Response:

We responded to the customer in written correspondence today.

Review: I have been disputing this account for a few years now and I have not gotten any help from anyone. The accounts in question that I have on my credit report have been lingering and hurting my credit score for years and this account belongs to my father. He has tried to call and explain to them that this is his account and not mine but we have had no help. I am currently in the process of closing on a home loan and these accounts are hurting me more now than ever. About 8 months ago I spoke with a lady from AMEX and she told me that it was illegal to delete the account according to the Fair Credit Reporting Act without me making a payment right then and there and there was no one else that I could speak to. I have asked for a contract or agreement that was signed by me but I haven't gotten anything. At the time that this account was opened I was not working and still in college with no credit so it is hard to imagine that I would get approved for an AMEX card with no income and I really need help removing these accounts.

Product_Or_Service: Credit CardDesired Settlement: DesiredSettlementID: No settlement requested - for

I would just like to have these accounts removed from under my name and social so that it doesn't keep affecting me because I have done a great job with taking care of the accounts that I own and I hate that my credit score and report is being affected by an account that I had nothing to do with.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I was told I had 6 days to respond to this message and the message was that something was mailed to me. I haven't received anything yet from anyone and I don't want to wait until the last minute to find out that nothing is being done because I am looking to close on a home soon and I need these account removed from my credit report and remain on my fathers.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

There was nothing sent to me therefore I was left with nothing to reply to. I have requested documents from Amex to prove that I signed for an account through them and I haven't received anything. As I have started before this account belongs to my father and he has written a letter to them as well staying that. There is no reason I should be attached to this account.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

[redacted].

Business

Response:

American Express mailed our written response to the consumer on November *, 2014 to the address provided in the complaint document. The consumer need to allow 7 to 10 mailing days for mailing time. Additionally, the consumer’s additional correspondence contains no new information to which American Express can respond at this time. The consumer may follow the instructions in our correspondence mailed November [redacted] to address this matter further. Thank You

Review: I am the account holder of our AmEx account, but my wife is a user on the account. She pays all of our bills (Which she has all previous months). She created an account on americanexpress.com using her assigned credit card. In July She kept checking her online account to fins the minimum balance due, and it continued to relfect $0 owed. She figured this was due to a large payment made the previous month. So, after checking for this minimum amount due, several times, she decided to go ahead and make a payment of $20.00- because she did not know what the minimum amount was. We received an email from American Express today stating that our account is past due, and that we were being assessed a $50.00 late fee for a balance of $15. We called in to American Express, and spoke with [redacted] ID #[redacted], and explained the scenario. After placing us on hold several times, he stated that he spoke with AmEx's IT department, and that because my wife is a "user" on the account- she is not able to see accurate account information. We explained that this didn't seem very fair or clear to the consumer, because the account should a blanace of $0- if her "user" account doesn't have full access then it shouldn't show anything- versus showing inaccurate information. While on the line we paid the additional $15 owed. But, the agent refused to reimburse the $50 late fee- which is completely due to American Express' online system not reporting correct information. He stated that we receive a paper statement, and that this would have given us the correct info. We explained that we check all of our balances & pay all bills online (which most companies prefer). We asked to speak with a Supervisor. We were then transferred to [redacted] ID#[redacted]. He basically went back and forth between American Express will try to reimburse this $50,and that they wouldn't based on our account review. He informed me that there was no manager to speak with, and he would not be able to transfer me to anyone else. He assured me that our credit & introductory interest rate would not be affected.Desired Settlement: We would like the $50 late fee removed from our account, as well as a letter explaining that our credit & interest rate will not be affected.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

To whom it may concern,

This complaint #[redacted], was filed as a result of a late payment fee charged to my account in the month of July 2013. On June [redacted] 2013, a payment of $35.00 to my American Express account, cleared our financial institution. An additional payment of $1,100.00 to the account cleared my financial institution on June [redacted] 2013. The following month, my wife logged on to the account to make the minimum payment due. When she logged onto the account, the minimum balance showed $0.00. Due to the large overpayment made in June, a minimum balance showing $0.00 did not come as a surprise as this has been seen when paying off some of our other debts. Being that my wife still intended to pay something, and the minimum balance due showed $0.00, she made a payment of $20.00. That payment cleared my financial institution on 7/**/2013.

We clearly demonstrated an intention to pay this bill even though the minimum due was not stated online.

My wife, who is an additional cardmember, called in to question the late fee assessed. After describing the situation, she was advised that the minimum balance would not be displayed online to anyone other than myself (the account owner). This is something that we have never heard of before and we have had several credit cards from varying companies. Although the conversation seemed to bounce back and forth regarding whether or not they would be willing to adjust the fee considering the circumstances, American Express ultimately decided to sustain the charge. This prompted the complaint to the Revdex.com.

Below are the items of correspondence sent to me from American Express regarding the complaint. Included with the original letter, was a copy of the Cardmember Agreement. There is a page that explains the reasons for a late fee to be billed to the account. The page that I have included concerns additional cardmembers on an account. No where does it state that an additional cardmember would have limited access to any of the account information. This, coupled with the fact that we had not entirely missed a payment, is why we are not agreeing with the decision reached by American Express.

Thank you,

Business

Response:

We responded to the customer via written correspondence today.

I was supposed to be receiving American Express gift cards from sprints over a month and a half ago. When I called two weeks ago I spoke with a very nice gentleman that was helpful assured me that my lost cards, which that is what happened they lost my cards in the mail, that those new cards will be replaced within 7 to 10 business days. I spoke with them today 14 business days later and the cards still not arrived and now they're telling me that there was a problem with the system and that will be another 7 to 10 days before my new cards arrive. Meanwhile waiting for the gift cards my previous carrier [redacted] is asking for their line cancellation fees in full and threatening to send me to collections. At first American Express told me it's not their fault it's a third parties fall and gift cards don't come from then and that their name is not on the gift cards and then they change their tune when I asked to speak with manager. The manager still told me it would be another 7 to 10 days so I don't know I've been waiting for gift cards since October ** and it is December **.