American Express Company

Review: I was promised a $25.00 prepaid Reward Card after making a significant $200.00 purchase from [redacted]. I did receive this reward card from American Express, but AmEx immediately begun to charge a "fee" of $2.00 per month. This was not disclosed to me when I received the card, and by the time I tried to use the card for $25.00, I was informed that the new prepaid balance had whittled down to $13.00, because 6 months of $2.00 fees per month were taken out of the card by American Express. I called customer service to let them know I thought this was deceptive practice, and inadequate disclosure and poor customer service at best. American Express said that it was sorry, but could not do anything for me to reverse the charges. Thereafter, on November *, 2013, they wrote me a letter that said the prepaid reward card I received had "an incorrect 'Valid thru' date of December 2013 printed on the front of the card, and that it should be working after December 2013, and that they would be happy to replace the card and extend the original Valid Thru date, but did not address the underlying issue that they had not refunded the $12.00 that they wrongly took from me in fees.Desired Settlement: DesiredSettlementID: Refund

A fair settlement is obvious: return the $12.00 in fees directly to me.

Business

Response:

We responded to the consumer via written correspondence today

Review: I received a call last week saying that my account was under financial review and that I would need to complete a form to send back to the IRS. Concerned about the nature of this happening I asked the associate why this was happening and she said "it was third party proprietary information that she couldn't share with me". I think this is completely ridiculous seeing as though it is regarding my account. I should be entitled to know what it happening. I also think it is completely ridiculous that you are putting my account under financial review during the holidays. 1. Of course I am going to spend more during the holidays and 2. those "2-3 business days for the IRS to send the forms have turned into OVER A WEEK!". You have completely lost all of my holiday shopping expenses because your company is clearly not smart enough to recognize the holidays. You also will be loosing me as a cardmember. I refuse to be treated like this, especially when I pay off my bill as I purchase items. I will go to your competitors where I am not treated with this disrespect.

Business

Response:

American Express mailed our response to the consumer today

Review: According to the American Express Serve website one can withdraw $750 per day from one of the ATMs in the MoneyPass network used by AMEX. However, that website identifies ATMs which are not available to the public (private buildings not open to the public). In addition, there are limits on other ATMs and notices of fees when there is supposed to be no-fee from MoneyPass ATMs. I tried 4 different ATM locations identified by the website and NONE were able to service my needs. I am now in a position where I cannot seem to get access to my funds for withdrawal according to the terms identified by American Express. I have spoken on 5 occasions with Customer Service and was put on hold for many minutes at a time. It appears your call center is off-shore and is staffed with people with minimal English language skills as they seem unable to understand my problem. All they do is say American Express isn't responsible for MoneyPass ATMs despite the fact that American Express has contracted with them to provide service to its cardholders. This is unacceptable. I cannot find anyone to help me understand how I can withdraw money as all they do is send me to another ATM in another distant location.

This service has advertised terms which are NOT being met by American Express and I expect, at a minimum, a call back to solve this problem.Desired Settlement: That I can withdraw my money without the hassle I am currently experiencing.

Business

Response:

American Express mailed our response to the consumer today.

Review: In March of 2012, I was issued an American Express card that was NEVER EVER activated or once used, and the company closed the account after 6 months of non use. Several months later, I received in the mail a "Come back to us" offer for an American Express Gold card with a 75,000 bonus point option if I spent $3000 in 3 months. Since I've never used an American Express card before and I've heard overall good feedback from them, I opted to take them up on their offer and give the card a try. After about 2 months I had spent $4000 on the card and continually made payments, etc, yet I noticed the bonus was never applied. After a few more weeks I called customer service and they said it should post soon... After a few more weeks, still nothing... so I called again... This time they said because of the previous account, the bonus offer, That they offered, wasn't valid? I NEVER EVER EVER activated or used this previous card, they cancelled it because it was never activated, and they gave me the come back offer... So why am I being penalized?? I called [redacted] in customer service and she completely said it was ridiculous and even tried to apply the 75,000 points in the system but it would not let her. She gave me the contact information via mail customer care and I received some canned response as if no one even took the time to review the complaint. Doesn't it make sense that a company honor their offer. Once again the previous card was sent, never activated or used, and cancelled by them. Yet it invalidates their offer? That is not good customer service.Desired Settlement: I just want the 75,000 Bonus Points that I earned according to their policy. I followed their rules 100%. I expect to be treated fairly. Dispute reference number [redacted] Account ends in [redacted]

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

American Express has refused to honor the promotional offer because of the previous account, which was never opened, never activated, never had a single charge made on the account, zero points accumulated, and no promotional offer redeemed. I'm shocked that they are unwilling to take care of a customer in this matter, and request any action available to come to resolution.

If American Express does not honor their promotion, legal action will be taken as available.

Sincerely,

Business

Response:

We responded to the customer via written correspondence today.

This company is a mess. Poor customer services. I have been trying to solve my billing issues for 6 months but it is still not satisfied. Each time calling, I talked to each rep and explained the situation again. They promised to record my conversation but they did not. I am tired of this company and it is not worth to use their card. There are many other better credit companies out there have better services and products. I have been using Chase for 18 years and never disappointed. Issues are always there, but how they handle the issues that is what it worth.

By the way, I use Amex for [redacted] shopping most of the time for my business expenses, but Feb 2016 [redacted] no longer using [redacted] but offer [redacted] and [redacted]. whats a great news! please stay away from amex.

Review: This is in regards to my Bluebird Card numnber [redacted] which is a prepaid debit card. I made a purchase on 7/*/13 for $94.95 Great Britain Pounds, which posted the same day for $144.98. However, they placed a hold on my account for $143.15 when it was authorized but did not release my money. In effect, I have two transactions now: The posted $144.98 and a hold for $143.15. I called and spoke with [redacted] and a supervisor [redacted] both in India and neither were authorized to correct this error. When I specifically asked to speak to someone in the United States, I was told that there was no one in the United States that I could speak to (this seems incorrect considering this a US Company). I was told that I would have to wait 8 business days before they could investigate this as an error. For the record, I have two other unresolved issues with them and I would like to speak to someone so I do not have to keep filing complaints.Desired Settlement: I would like my $143.15 which is currently being HELD to be released to me. It is clear the transaction has posted.

Business

Response:

We responded to the consumer via written correspondence today

Consumer

Response:

They have not sent me written correspondence.

Review: I purchased a $500 gift card July [redacted] 2015 with next day delivery and it still hasn't been delivered. The only thing offered was next day express delivery and I paid for it. This is a hard ship for me I have [redacted] and have no way of running around trying to track my money around. I have talked to everybody in [redacted] to [redacted] today with nothing resolved so far. I cant even get to a supervisor. I have a daughter that is expecting this gift card so we are both left out in the cold as of this time today. I wouldn't use American Express ever in my life. It was a simple procedure that has been a nightmare. It was a simple procedure for them to take my money but it's an impossibility for me to get a simple return and/or girt card returned.Desired Settlement: I either want a replacement gift card or my money back immediately. American Express has had my money long enough. RE: Buyer Beware

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:

[Your Answer Here]

I have not been able to track the item because the tracking number does not work; nothing comes up with the tracking. I also do not believe that the gift has been received.

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

Sincerely,

Business

Response:

We appreciate the customer’s information, however, we responded to the consumer via written correspondence on July **, 2015. The consumer needs to allow 7 – 10 days for mailing time.

Review: My employer made a direct deposit into my account on January**, 2015 and the bank has not given me credit for the deposit. I have made attempts to find out the reason my deposit has not posted and can never get a direct answer and continue to be placed on hold and the representative does not return to the line. I have held the phone for 28 minutes and no one return to the line to assist me.Desired Settlement: I want the $25.00 deposit added to my account.

Business

Response:

American Express mailed our response to the consumer today

Review: Called to cancel Platinum Card in September 2015 to avoid annual fee. CSR suggested I switch from Platinum Card ($450 annual fee) to the Everyday Card (no fee) and the points would transfer over. I agreed. I received the Everyday Card and destroyed the Platinum Card. I found out Dec *, 2015 that they did not cancel the Platinum. Online with Manila, she said indicated that the best she could do was cancel now and refund $300 a prorated amount of the $450. After lengthy exchange and explanation, and despite common sense, this was the best AMEX would offer. So I was lied to and subsequently cheated out of $150 - the prorated charge for the annual fee charged because they failed to cancel as I was told they would.Desired Settlement: I want the full refund of $450 that I should have received to begin with versus just the $300.

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. I spoke to a different Customer Service Rep who resolved the issue immediately.

Sincerely,

Review: The owner of our company sent a letter authorizing myself and another employee total access to our account. Supposedly, the letter wasn't received so while talking to someone on the phone, the letter was faxed to Amex. They still claim to not have it. The owner himself called on April [redacted] to cancel our account but as of 6/**/15, they are still billing us for the annual fee and won't allow us to cancel. The card for this account has not been used in more than 6 months.Desired Settlement: Cancel our account

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: Trouble with customer service.

[redacted] has a [redacted] program through American Express. I went online and moved my money to them and waited for a debit card to use. They got an incorrect address for me. I never got the card. After numerous phone calls and long waits, I fax them my drivers license which I don't think is secure. I got the confirmation that the fax was received by American Express with the confirmation number and date received. I still didn't get the card. I called today and spent 2 hours on the phone with no help. They are telling me I have to fax my id on a regular fax machine. As instructed I used [redacted] online. They walked me through it. I sent it to (ID: #[redacted]) to American Express at ###-###-#### which they confirmed is the right number and got information that it had been delivered successfully at [redacted] on March [redacted], 2015. I do not have a fax machine and do not feel comfortable sending my license again. They are not helping me. I want my money back... I would never use this company. They will not send me my money because they "don't have a correct address." This is a vicious circle. I have spoken to the person who answered the phone :[redacted], her supervisor [redacted] and the manager [redacted]. There was no help at all from any of them. I want my money back. Thank you.Desired Settlement: I just want my money back. $101.

ps. My correct name and address is:

They had everything except the [redacted]... surely an easy fix. But, no.

Thank you for your help in advance.

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:

Although a woman called and told me she had the authority to correct my address without an additional fax from me and would also send me my card, I have not received any indication of the correction or the card.

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

Sincerely,

Consumer

Response:

The issue has finally been resolved. Thank you.

Review: on February **, 2015 , I went to [redacted], at customer service I tried to load my amex prepaid redcard.

But the machine got an error, the lady there said I'd better try another day. So I went on shopping.

After I bought something, I tried to load the card again at register, and it was successfully loaded.

The issue is when I get home , I check my account, and find $1000 is removed from my account ( card number [redacted] name on card [redacted] Transaction ID: [redacted] )

[redacted] didn't give me any receipt about this transaction. I called the number on the back of my card [redacted] and they ask me go to [redacted].

So I went to [redacted], the people there tried to help me , but there's nothing they can do, so they ask me call [redacted] customer service,

after I call them, they ask me call amex. then it's a cycle.

I made more than 10 calls and spent more than 6 hour, and my money still in somewhere no one knows.

Amex customer service is not helping at all, and one of their supervisor even pretend the line have bad connecting and hang my phone after 40 minutes waiting-Desired Settlement: give my money back ASAP. and make compensate to my time lost caused by error of amex's system.

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: They failed to deposit a federal tax check that was in both of my husbands and I's names, When they normally do direct deposits in just my husbands name on an account that they say is soley in my name.Desired Settlement: We want our Federal tax check deposited as soon as possible into my account.

Business

Response:

We responded to the customer via written correspondence today.

Review: I was charged $15.99 for premium car coverage. I had previously opted out of this coverage on my Green card and only wanting it on my on my Blue card. When calling the refund deparment they said they could not refund.Desired Settlement: After being a member for the past 10 years, this should have been accommodated. Not to mention I never had this issue with AmEx. I want to be refunded $15.99.

Business

Response:

American Express mailed our response to the consumer today.

Review: I received an offer to apply for one of the American Express cards, the offer came with 75,000 bonus points to be given after spending $5000 in 90 days or less. I have received and fulfilled one of those offers before, so I called American Express and was told I would get the bonus points since it's been over 12 months since getting the last bonus points. I went ahead and applied and got approved and spent more than $5000 in less than 90 days. So basically I met their condition. I called American Express to inquire about the bonus points and was told it was being processed. I waited about 10 days or so and sent an online inquiry via their online chat service. Then I called a second time to ask about it, I was told to wait about 6 weeks and I should see the bonus points credited to my account. Today I called and was shocked to be told it was declined since it had not been 24 months since the last bonus offer I got. I told the representative, [redacted], that I was told 12 months, not 24 months. I asked to speak to a supervisor, [redacted] came to the line and gave me another story saying it is 12 months, but from the date of having the last card, not from having received the last bonus offer.....!!!

The supervisor told me she did see the notes on my account where I was told about the bonus points being processed and about receiving the bonus points within about 6 weeks. She said she was going to talk to the representatives who gave me this incorrect information.

I'm very upset about this because of the failure on their part to be clean and clear about this offer.Desired Settlement: I want American express to issue the 75,000 bonus points to my account as promised.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I unfortunately had the experience of not only going through a divorce but also becoming unemployed for short period at the same time. Due to both of these situations, I fell behind on making adequate payments on my account. American Express contacted me and I explained the situation. I also continuously contacted American Express about payment arrangements. I received a letter on February [redacted] and contacted American Express regarding the letter on February [redacted] indicating that a payment was due and I contacted customer care. They offered to allow me to make a $50 payment to my account on February [redacted] to prevent my account from being cancelled and to avoid further collection activities. I made the payment online - confirmation number [redacted] as agreed by their customer service. After making the payment - I received a letter my account was cancelled for not making a payment.

I made the payment arrangement amount of $50 as offered by their account team to keep my account open and they have failed to keep their end of the arrangement and closed my account anyway. I have contacted American Express numerous times regarding this and have been transferred through endless loops of customer care roulette to try and have my account reinstated - to no avail, no one I have been able to speak to has the authority to correct this error.Desired Settlement: I would like my account reinstated and my card reissued as I made the appropriate payment that was agreed upon by their customer service team on February [redacted]. My account should not have been closed and referred to collections. I would like my account reinstated.

Business

Response:

We responded to the consumer via written correspondence today

Review: On April * I tired to withdraw $200 the money was never dispensed, I received a card error message! I checked my account online and saw the money was taken from my account short and simple I would like my money back I have contacted American Express serve multiple times and still not refund! I have the receipt that the [redacted] company has emailed me and the rep stated she sent the same documentation to the dispute team as she did me and I still have not received a credit from American Express Serve I just want my money back!Desired Settlement: I would like my $200 plus two months of the monthly fee waived! I have my proof and I want my money back..

Business

Response:

American Express mailed our response to the consumer on April **, 2016..

Review: I have been an Amex customer since 1994. I have been working overseas, but was in the US in July-August. When I left, my replacement card (for the one which was to expire in 10/**) had not arrived. I called my family at the US address since then to check, and the card still had not arrived. I paid bills on card activity as recently as 11/**. I was charged the annual fee on the card in 10/**.

When I arrived to the US, 03/**/14 I searched through all accumulated mail and there was no replacement card. I called American Express Customer Service on 03/**/14 to request the replacement card,

I was told that my account had been closed due to inactivity, and that I would have to reapply for a card.

Though I admittedly use the card little while out of the US, I do often purchase plane tickets and other items while there. I would have had activity on my card if I had indeed received a replacement card.Desired Settlement: I would appreciate American Express reinstating my Delta Skymiles credit card, which was cancelled due to inactivity, given the fact that I was never issued a card to replace the one that expired in 10[redacted]. I paid an annual membership fee on 11[redacted].

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: American Express uses illegal, deceptive means to mess up personal credit. While moving from PA to Massachusetts, American Express stated I would not receive a late payment fee. Not only did I receive two late payments in 2014, but it was also reported to the credit agencies. American Express has not reversed their mistake nor acknowledged their mistake nor removed the late payments in their reporting to the credit bureaus. I have been a valued cardholder, but this company is the worst credit card provider ever.Desired Settlement: Apology and correction to credit bureaus.

Business

Response:

American Express mailed our response to the consumer today.

Review: I went engagement ring shopping for my girlfriend and purchased one ring on my american express card. The next day I tried again and found another one. I could not decide between the two so I got them both. My card is on auto-pay for the full amount so I did not have enough to cover both rings so I decided to open up another credit card to split the charges. I put the bigger portion on my new card and the smaller portion back on my american express. I checked my account the day before my auto-payment and the returns had not gone through so I called american express. I was told they would freeze the amount because it is under investigation and only charge me the rest of my balance. They charged me the rest of my balance and then charged me that balance with both rings as well. As I called and explained to them already, I did not have that in my account. So when I went to get money out for the big night the day of my proposal, my bank account was locked and in the negative.

The next day I called to clear things up and after 30 minutes of speaking with the first lady (I believe her name was Keisha), she put me on hold and hung up shortly after. After the next half hour with the next lady, I was told that everything had been corrected and there was now a credit on my account. I called my bank and they waived my overdraft fees and I thought everything was over.

A few days later (today) I went to transfer money and my debit card was declined. I found out that american express tried to take out that large amount for the third time, but this time I actually had that amount in my account so they basically wiped my account out. When the next withdrawal tried to be taken out of my account it was again locked and in the negative. I called during my lunch thinking it would only take american express minutes to see their error and correct it. Instead, I was on the phone for over an hour. I was literally transferred to five different departments who did not help me or even listen to the issue enough to know how to fix it. They just kept transferring me from department to department. I was already a half hour late back to work and had to go back.

I then called on my way home. After being transferred three times I finally got someone who understood and was very apologetic. He asked for my bank account information so he could transfer my money back and we lost connection. Before we lost connection, I was told that if we did I would be immediately called back. I was not called back.

I called again. After two transfers I got a gentleman who actually tried to do the transfer but received an error message because he was not authorized. According to him, it had to be done by the crediting team so I was transferred again. The lady who answered immediately tried to transfer and said I was sent to the wrong place. She assured me she was sending me to the right place and she would stay on the line until my issue was resolved. MARY was supposed to help me. Mary did not help me either as you probably could have guessed at this point. Mary refused to transfer me to someone who could do this transfer and continued telling me it is not possible and there is nobody she can send me to. I asked to put the lady who transferred me back on the phone and she said "[redacted]" This is now at least the [redacted] lie of heard from american express. I asked to speak to a manager and she said "I can transfer you to customer service." After I refused she said "okay I will send you to a manager." I waited on hold for 20 minutes and she came back to tell me he has already put my complaint through but he cannot talk because he is engaged in another conversation. How he was able to do that while on the phone with another person is beyond me. When I told her I still wanted to continue waiting to speak with him, she put me on hold for another minute and then hung up on me.

I called back again and spoke to Shailaja who remembered me from a previous call earlier in the day. She assured me she would stay on the line when I was transferred and she actually did. I was transferred to Sal who told me that it was not possible. He said the only way it was possible was to transfer from american express to american express card. I then asked him why the previous people I spoke to asked for my bank account and routing number and he did not have an answer for me. I wish I could tell you what happens next but I'm still on hold.Desired Settlement: American express needs to transfer the money to my account so I can have access to my account immediately. I need to pay my dad's rent and it is already late thanks to american express. They also need to pay all fees because of the overdrafts that occurred on my account due to their repeated mistakes. My annual fee for next year should also be waived. I pay money every year so I don't have to deal with stuff like this and you could have paid me minimum wage for my time wasted and I would still be owed more than my annual fee.

Business

Response:

American Express mailed our response to the consumer today