American Express Company

Review: I have had the American Express Delta Options card since 11/**/2008. This is a NO ANNUAL FEE credit card and has had no annual fee since I opened the card back in 2008. I was recently contacted by American Express customer support asking me to upgrade my card to the Delta Platinum card. I upgraded my card on the condition that I would be able to downgrade my card back to a NO ANNUAL FEE card if I was unsatisfied with the Delta Platinum card service. Under this pretense, I upgraded the card to platinum on 8/**/2014. The customer service representative also told me that I would be receiving my companion pass (a known benefit of this card) on my card anniversary in on 11/**/2014. I spoke to a customer service representative today ([redacted], ID # [redacted]) who told me that I was misled by the sales rep and that I would NOT get the companion pass until the FOLLOWING YEAR. When I asked to downgrade my card back to the original card, they told me IT IS NO LONGER AVAILABLE. So now I am stuck with an AMEX card that has an annual fee no matter what. I feel that I was manipulated into upgrading to a card with a $200 annual fee under false information that (1) I would get my companion certificate in 11/2014 and (2) I could downgrade back to my old card if I wanted to. Additionally, immediately after upgrading my card to platinum AMEX decreased my limit from $7500 to $3100.

This complaint was originally submitted 2 months ago, however there is now new information. AMEX sent me a letter ADMITTING to misleading and deceptive business practices (I can scan and share the letter if necessary) and they stated that it's "too late to go back" to my original card.

Then, just yesterday I received a charge of $199 to my AMEX card. When I called AMEX customer service, they told me that they are double-charging me and that there is nothing I can do about it. They said "no refunds are available." When I asked for the Delta Airlines companion certificate that I was promised when being deceptively manipulated into getting this card, they told me that I "am not eligible" for the companion certificate, even though I have paid DOUBLE the annual fee.Desired Settlement: I had initially asked to be downgraded back to my original card, but they refused to do that.

Thus I would like the annual fees that I have already paid TWICE IN THE PAST 3 MONTHS to be refunded to me.

I also want the companion certificate that was promised to me.

The next step is a lawsuit and a report to the attorney generals office.

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 will accept once I receive the response

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 December *, 2014. The consumer needs to allow 7 – 10 days for mailing time. Please be advised that American Express is unable to send replies via email at this time.

Review: I opened up the American Express [redacted] Honors credit card on September**, 2014 with an advertising offer of "spend $3,000 in the first 3 months and receive 75,000 bonus [redacted] Honors points." I even took a cell phone snapshot of the congratulation screen so I would not have any issues in receiving all my correct bonus points.After completing the appropriate spend on the credit card and patiently waiting for my 75,000 bonus points, I was extremely angered to learn that American Express had only awarded me 60,000 [redacted] Honors bonus points. I called numerous time and spoke to customer service representatives and as well as supervisors and got no help whatsoever! My most recent call ended with me speaking to a supervisor by the name of [redacted], ID #[redacted], based out of [redacted]. After another waste of my time, I told the supervisor that I had been a customer since 1997 and deserved the amount of points that were advertised for the credit card offer that I signed up for and that I would be filing a Revdex.com complaint and cancelling my credit cards with American express if not given the correct bonus points.I am entitled to the 75,000 points. I am submitting my picture of my offer. If you can not treat a customer right that has been with you since 1997, you deserve to start losing customers.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like the additional 15,000 [redacted] Honors bonus points be put into my account. I have already received the 60,000. If you can not do this, I will be cancelling my credit cards with your company effective immediately!

Business

Response:

American Express mailed our response to the consumer today

Review: The company advertised a free year of [redacted] when signing up for the Everyday Preferred card. This has not been provided.

In the fall of 2014, AmEx heavily advertised an offer for a free year subscription to the [redacted] service for signing up for the card and reaching a min spend requirement of USD 1000. This was in addition to 10,000 Membership Rewards points. It here was no indication that I woulsd not be eligible for this, and I received several target emails for this. I signed up for the card and reached the minimum spend, but no [redacted]. I inquired over the phone and the agent first said it was not on my account, then said she saw that the promo was available at the time I signed up, and that she would open a case with the marketing department - I would get a response in 7 days. 2 weeks later I call and there is no record of that request, so a new one has to be opened and I am told the wait time is now 4-8 weeks. I have no confidence that this will be resolved, and that AmEx has falsely advertised this promotion in order for new card applications.Desired Settlement: I would like the 1 year subscription of [redacted] made available to me, based on the advertisements at the time I signed up.

Business

Response:

American Express mailed our response to the consumer today

Review: American Express refused to provide documentation of a specific charge.

I have an American Express [redacted] Skymiles Platinum credit card with an annual fee of $150.00 due each February. When I received my statement this February for 2015 my fee was charged as $195.00. I called American Express customer service and spoke with [redacted] and inquired about the change. She said that the fee had increased to $195.00. I asked why I had not been notified and would she email a copy to me since they had verified that it was my account prior to my question. She of course, had to speak with her supervisor and came back to the phone to say that I had been sent a letter a year ago. I stated that I had not received this and asked for a copy. Once again, she had to speak with a supervisor who told her then me that I could not have a copy, email or any documentation regarding the increase. So they basically said that I had no right to verify increased charges to my account. I explained that they send me everything else from advertisements to letters trying to get me to buy more services and products and that I certainly SHOULD be able to get a copy of a letter explaining these increased charges. However this is obviously not the case. It would appear that they have the opinion that they can charge me whatever they want without a shred of proof. In my opinion, this is horrible customer service and close to the edge of criminal.Desired Settlement: I would like them to provide proper documentation by providing me with a copy of this letter that they claim to have mailed 1 year ago in February of 2014. It is my belief that they never sent a letter at all.

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 received nothing from American Express in the mail regarding this complaint as they claim. Therefor I consider this response unacceptable.[redacted]

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 February**, 2015. The consumer needs to allow 7 – 10 days for mailing time.

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: 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: made payment in full, and card was also cancelled (this is a corporate card and I have been a member since 2005) on Nov ** of $3564.08 which was the outstanding balance and told this would be the final payment on the account and make it a zero balance. I had talked in the prior weeks and even few months and made payments along the way as I was traveling and also experiencing delays with slower corporate payments to the account. To my dismay there is still a running charge on the account, even after the account has been closed and there should be no more charges on the account and the account is not being used! I would like this to be taken care of as I talked with my corporate and they stated the account is closed even though I was a member since 2005 and I have not used the account. I realize there is a reversed charge (which will also be a Revdex.com issue for $244.54 from a rental car which is not legal and not authorized from Sept 2015 that was disputed but then reversed.Desired Settlement: I would like the account closed to 0, as the account is closed since my final payment I was told was to be $3564.08. I am done with AMEX and will never use them again. it has been nothing but headaches. even though this was not a personal card but a corporate card.

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 had to re-open my issue with AMEX and call them direct. I did not get any confirmation from the company regarding my complaint and they requested it again (through Enterprise rent a car) which the charge was that I disputed. They were very happy to help me, [redacted] is my contact.

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:

I have called customer service and they are looking into sending me history of what was already sent to me months ago that I did not receive from these charges. Until I get this documentation I do not plan to close this issue as previously I had thought this was resolved just by calling customer service, having the charges reversed then when the company tells AMEX its valid they put the charges back on my CLOSED paid in full account. Yet I can not look up that documentation on their website as I can with any other rental or history (enterprise in [redacted])

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

Sincerely,

Business

Response:

American Express mailed our response to the consumer today.

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: 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: 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: 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: 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: I tried to use my card and it was declined. American Express sent me an email that was a fraud alert. I couldn't,t reply to the email, could not get the shared screen to work and when I tried to log into my account with my user I'd and password I got a notice that I was locked out.Desired Settlement: Turn my card on, unlock my access to my account by email, apologize, give me a credit for the cHarge you declined, apologize, stop cutting off my account for fraud, this is not the first time this has happened and it has always been me trying to use the card. Tell me how I am supposed to pay my hotel bill with this car.b

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]

I have not received a response from this business.

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 July **, 2013. The consumer needs to allow 7 – 10 days for mailing time.

Review: I keep receiving preapproved applications from American Express. I keep sending them back with instructions to take my business name and address off all of their address lists. They keep sending the applications anyway.Desired Settlement: Take my name, my business name off of their mailing lists.

Business

Response:

We responded to the consumer via written correspondence today. Thank you.

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: 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: 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: Improper handling of a credit card dispute.

As a American Express member for many years it is the first time I am deeply concerned with my current experience.

I purchased online airline tickets on "[redacted]" in Germany. Since I am a part time resident of Germany and the transaction was done in Germany, on a German website, German law applies. The following issues came up:

1.) The company never delivered terms and conditions even upon request. So I was of the opinion the flight to be fully refundable at any time.

2.) The company furthermore failed to take the required steps by German law for valid online purchases. Terms only become valid if approved before making the purchase. Certain terms are invalid and prohibited. No terms were accepted on my side. Since the booking was done on a German website, in German language and I am a part time resident of Germany, German law applies.

3.) Please see on the next pages that the company had messed up the reservation. The company was unable to correct within reasonable time. I reminded several times. The problem was, that the flight from Germany was booked as arrival @ 21.20 in Atlanta, but the continuing flight departed @ 19.15 from ATL This is not how I originally booked it. So the company transferred the reservation incorrectly into the airline system. At least I never agreed to that reservation. Any attempts to correct remained unanswered. I tried several ways like Email and [redacted] without success.

I finally cancelled the flight with the company due to non-reaction.

Since the company did not show any attempt to cooperate and is located in Spain, I disputed the charge with my credit card issuer American Express. Platinum Card® - [redacted]7 $675.31 May *, 2014 Ticket/Merchandise not received View Status

Platinum Card® - [redacted] $675.31 Apr **, 2014 Cancelled View Status Platinum Card® - [redacted] $675.31 Mar **, 2014 Cancelled View Status

American Express has rejected my dispute in each case because they claim, "the company had shown documents that the flight was non-refundable."

This conclusion is incorrect. American Express has failed to investigate the case correctly.

The documents shown by [redacted], are internal documents which I was not presented during booking. It is denied without knowledge if the ticket was non-refundable or not. It is claimed however, that the company failed:

1.) To show terms prior to purchase

2.) Book the flight correctly.

3.) Provide support to correct the issue.

Therefore the claim the ticket to be non-refundable is not correct since German law requires terms to be presented before purchase otherwise they cannot become part of the contract. Furthermore most documents were in Spanish language. I am unable to speak Spanish and since the booking was done in Germany under German law, any information cannot become part of the contract. Finally the flight were incorrectly booked and the company failed to correct for days.

I request to have the problem duly investigated and the cancellation to be accepted and the charge being reversed. American Express has negligently failed to investigate the issue correctly.

Additionally after reviewing the documentation provided by the company, 407,02 EUR were collected for taxes alone. So in any case this amount had to be refunded since it would constitute undue enrichment under German law. It is fraud to collect taxes and which do not arise.

So in conclusion I request to have that issue duly investigated and my arguments to be fairly considered.Desired Settlement: $675.31 refund

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

kindly request to have complaint # [redacted] reopened.

Information:

I received the letter from American Express and after reviewing reject the

response given.

1.) American Express failed to thoroughly investigate the matter in a fair and

justified way.

2.) Furthermore, American Express admits that they are unable to verify any

terms given by the merchant during the purchase process. On the other hand side

they justify the merchants behavior by the back end documents showing the

tariff to be non-refundable.

This conclusion is duly against US law and especially against German purchase

law. If the merchant is unable to provide proof about any terms presented to

the customer before purchase, these terms cannot become part of the contract.

So considering any back end documents by the merchant is against a fair

investigation.

And showing any back end rules the merchant does not fulfill the requirement

required by German law. American Express has acted one sided by

considering these terms without considering the documents provided by me.

Consequently American Express should have considered the tariff to be

refundable unless proven by the merchant otherwise and charged the amounts

back, since merchant refused to do so.

3.) American Express denies the argument that the merchant did negligently

provide an impossible routing and failed to correct for several requests

although I uploaded documents proofing that and my attempts to get correction.

It is denied without knowledge if the merchant corrected this issue anytime

after cancellation. However this is irrelevant since the merchant already

received a cancellation and a canceled booking cannot be healed.

I have attached another copy of my attempts to get the issue corrected. I tried

to use various ways: Email, FAX and [redacted]. None with a positive result.

These documents also clearly show that the arrival in ATL was @ 9.20pm and the

journey should have continued @ 07.15pm the same day. This is impossible.

So by providing a correct routing after cancellation the merchant is again

acting in bad faith, since it was cancelled before that correction was made.

4.) American Express finally failed to consider the argument that the taxes and

fees included in the purchase price are refundable in any case since the ticket

has never been used. So regardless of #2, the taxes and fees must have been

refunded in any case. The merchant

failed to refund this, so the chargeback for taxes and fees is justified in any

case.

5.) Finally the State court of Berlin (Landgericht Berlin ([redacted])) has

recently ruled that terms and conditions must be in German language to become a

valid part of the consumer contract within Germany. All documents provided by

the merchant were all in English or Spanish language. So none of these

documents can become part of a German contract with a consumer.

Since the merchant provided all T&C in Spanish language only, they cannot

become part of the contract. American Express has failed to consider this

argument at all. Since American Express is doing business in Germany, they

should be able to verify this argument.

It is furthermore denied without knowledge that any of the documents shown by

the merchant were shown before purchase. Therefore unless the merchant provides

proof that these documents were shown and accepted by me, American Express

should consider those as irrelevant and not part of the contract.

6.) American Express is probably aware that this merchant is acting on bad

faith with customers. Checking out the company on various customer websites

proofs that the merchant is acting in bad faith with customers:

Since the merchant is located in Spain, any attempt to seek legal action would

result in a high risk of that company being bankrupt before collecting any

funds. Therefore it is essential that American Express supports a reasonable

request for a chargeback by a long time customer instead of single siding

supporting a fraudulently acting questionable company.

Please advise.

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: 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