American Express Company

Review: On 08/**/2015 bought a 100 dollar American express gift card. Waited the 1 hour for activation and proceeded to get 39.96 in gas. That night tried to use for food and was denied. Called and was told balance was 0 talked to a representative and was told the remaining 60.04 would be on card 08/**/2015. Called for balance at 0930 and was still 0 when spoke to representative was told the gas company had put a 100 hold on card and but when I look at pump says 50 might be held. representative said would be 8 calendar days for amount to be put back on card.Desired Settlement: Follow what was told 08/** and put the 60.04 back on card asap

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

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: 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..

I would like to thank American Express for being a the best card company! I lost my card and I had no way to pull my money out. American Express helped me by sending me money thru [redacted] and sending my new card thru [redacted] Express and getting it in 3 days. They really care about their customers and showed me I matter! Thank You for being an amazing company!

I have been an American Express customer for close to 30 years. My recent experiences (plural) have been horrendous and they have demonstrated no customer support. I cancelled one of my cards with them and will probably cancel the other card when it comes due. Representatives lied to me and gave me erroneous information.

I have been a member of Amex since 1983. I recently tried to close this particular account ending in [redacted]and had to pay two additional penalties. In December 2015 I attempted to close the account with a balance xof $8190.48 but was unable to access via internet. I called and the balance had reached $8022.48. I paid it off. Then I received a statement requesting an additional amount of $95.56. All of this transpired within a month. The customer service representative Love #[redacted] tried to explain 'trailing interest' but I feel it was not appropriate in this situation. My confirmation #[redacted] is little satisfaction for a member who expect qualitative service from businesses that charge 15.99% interest.

Review: American Express Bluebird is an online only checking account. I submitted a payment request on 9/** for $1,100.00 to [redacted] and it was said to arrive by 10/*. On 10/** I received a call from [redacted] that my rent had not arrived. I called American Express immediately and was told they would dispute the amount and that it would take 2-3 business days to research. I was told that it had been cashed as proven by the following confirmation #[redacted]. I called [redacted] to let them know what I had been told by American Express, they in turn researched all of their accounts and no such amount had been deposited. I contacted American Express over the next business days to see if there were any updates to my case. Each time I was told it would take 2-3 business days. Today I spoke to "[redacted]" shift manager after a representative told me that it would be 6-8 wks and the previous 2-3 days was erroneous. I search misapplied monies daily and through technology it can be found expeditiously. They give no means of contact to escalate of inquire for updates. Meanwhile fees are incurring. I need help finding this missing money and where it went. Please assist. Thank you

Product_Or_Service: online bill payment

Order_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like to have my $1,100 returned to me as this money is supposed to be insured. I would like to have it refunded in a timely manner a few days, not several weeks. If the wrong person got a hold of this, then it needs to be addressed, and I put the correct information to have it sent. I should not have to suffer unduly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is complete. I am not pleased with how they handled this and I incurred fees from the property management group due to the negligence of American Express. Certainly not acceptable, but they are the ones with the deep pockets, and the rest of us....well, we know how that goes.

Thank you for being there for the consumer.

Sincerely,

Review: While on vacation in South Africa, I purchased loose diamonds in the amount of $2,814.23 to set in earrings. Upon returning to the U.S., the diamonds that I purchased did not match the colors of the diamonds in the settings, so I wanted to reurn them, At the time of the purchase, the merchant assured me that I could return the diamonds, if they did not match the diamongs in the settings. I made the purchase on Sept. **, 2013, and four days later, after unsuccessfully attempts to contact the merchant myself, I stopped payment on the purchase. Since that time, I made many calls and wrote many letters to American Express to please contact the merchant, so that I can return the diamonds in a safe manner. Many of my calls were connected to representatives in the Philippines, and they did not understant what I was saying to them. I continue to this day to receive the same computer generate letters regarding this dispute. It appears that no one is willing to take the time to reslove this dispute in a reasonable, fair, and logical manner. It has been an extremely frustrating experience to say the least. I contacted the merchant by telephone on March **, 2014, and he told me that American Express only submitted the claim to him on Dec. [redacted], 2013, that is approximately three and a half months, after I stopped payment on the puchase on Sept. **, 2013.Desired Settlement: I would like Amercan Express to contact the merchant and ask him how I can safely return the items, so that I will receive a credit on my account.

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:

[Your Answer Here]

Dear Sir/Madam:

Please note that on Monday, March **, 2014, I spoke to an employee from Amercian Express, who handles disputes where the merchants are located overseas. I am uncertain, if this conversation was a result of the complaint that I filed with the Revdex.com. In any event, the employee was extremely kind and professional, as I explained the promises that were made to me during the purchase in South Africa. She said the American Express wanted to keep me as a valued customer, and would provide an address in Florida where I can send the loose diamonds, and as soon as they are received with the receipt of purchase, I would receive a credit to my account for the full purchase price of the items. As of today March **, 2014, I have not received the address, but I am hopeful that I will receive it by next week. I am reluctant to close the case until I have returned the items, and my account has been credited for the full purchase price. Thank you for you help in this matter.

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 today.

Consumer

Response:

[redacted]

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: We would like American Express to refund the amount of recently purchased airplane tickets. We were having issues with getting through to the booking company since we could not reach them by phone or internet and the guaranteed refund period was running out. So on December [redacted], 2013 we called American Express to see if the purchase had actually been made we spoke to a representative of American Express shortly before 11:00 am. She said there was no record of airplane tickets being purchased. We then asked, is there anyway that the charge could be pending she said, "No, I assure you if we don't see it on our end you did not make the purchase." Because of what she said we did not pursue it any further. You can image our shock when a week and half later we received our bill with 4 airplane tickets on it. Had the American Express employee not given out false information we would have continued on hold to the booking company until we resolved the issue. A week and half later, when we received the bill, we immediately called the booking company and they said they could have canceled it, but at this late date they couldn't because it was already confirmed with the airline. Dec **,2013 we made a call to American Express again and talked to [redacted] who said he could indeed see that we had spoken to an American Express employee on Dec [redacted], 2013 at 11:00 am. He told us that he would check the recorded phone call and get back to us by 1:00 pm the next day. He did not return the phone call, so we called back again asking to speak with him. When we were finally connected he seemed upset that we called and he said that he couldn't check the phone call because it was in the archives, whatever that means, and that it wasn't their problem it was between us and Orbitz. It is your problem if your employees give out false information that cost your customers money. We could dispute the charge but as the ticket are for the Dec **,2013 we don't have enough time for a lengthy dispute which ends up with us still paying the bill. I'm guessing he did find the recording and what he heard was very incriminating and that is why he changed his tune completely and didn't return the call hoping it would go away. We put everything on our American Express cards, at this point they don't even admit any fault in the matter. We will discontinue use of this credit card if this is the way we are treated.Desired Settlement: We want them to refund the price of the tickets. We were planning on canceling until thier employee told us the purchase was never made.

Business

Response:

We responded to the consumer via written correspondence today

Review: I have been dealing with this issue for several days now. I had an order canclled from an online purchase. The merchandiser told me the refund would take place in 2-5 business days. Fine with me the problem I have with your company is I was told 3 different dates my money would be refunded on. This is not only bad customer service but it is messi g with peoples lives and well beings. I am a type 1 diabetic and this has prohibited me from purchasing my medication on time. Not only that, when I asked to speak with a supervisor I was denied several times. I also asked for some way to get into contact with the corporate office and it is really funny that no one had a phone number, email, fax, or address to the corporate office. I was repeatedly told this is in the terms and conditions and I must tell you I have read your terms and conditions with a fine tooth comb and see nothing of a refund to the account taking 10 days to process. I find it very disturbing that such a highly renowned business such as yourself treats their customers in this manner. I have all of the information needed to process the refund and no one would even listen to me. All your staff did was treat me like I was a complete it. I do not appreciate this treatment since I have a master's degree in finance from the [redacted] of [redacted]. I am outraged at my treatment from American express contact me as soon as possibleDesired Settlement: I need to be apologized to in the least.

Business

Response:

We responded to the customer via written correspondence today.

Review: I lost my Bluebird card on January *, and they said they were sending me a replacement card. However it is almost a month later and I still have not recieved my card. They have told me four different times that my card is on the way. I have asked them to send me the money by putting it on another card and they tell me they cannot do that. I have been without my money for almost a month and all they can tell me is to give them another 5-10 business days.Desired Settlement: DesiredSettlementID: Replacement

I just want my money. I don't care how they get it to me just as long as they actually get it to me.

Business

Response:

We responded to the customer via written correspondence today.

Review: In the month of March I have disputed a transaction with my BlueBird American Express. For a product I have never received from the merchant Apple Store Online. I faxed in the required documents and proofs they needed.

A few weeks have passed and I have yet recieved a response from the team in regards to my dispute. I constantly called but to no avail no one was willing to help me. Then one day someone came by to my house and gave me my package. UPS had delivered it to the wrong address. Enraged I returned the product on MArch **. And it has been over a week and I hyave not recieved my refund for it. I called American Express once again. And they told me they are still investigating. Which baffles me because I called them stating I recieved the package and there was no need to investigate no longer. They were rude and hung up.

I have the receipt on stand by as well.Desired Settlement: I demand what is my because I returned a product and I am entitled to a refund and not be partionized and kept on hold.

Business

Response:

We responded to the consumer via written correspondence today.

Review: changed my credit limit and now I am $110.00 over the limit. Perfect payment history. just dropped from 12,500 to 4900 without my awareness

I have had my American Express Blue credit card for 6-7 years now. I have had an available balance of $12,500 (with zero balance) for over 3 years. Haven't used the card. I decided to use the available balance for a few things. I have charged $5110 over the past month and a half and was under the impression that I was well under the $12,500 credit that I've had with them for so long. I found out today that they just dropped my credit limit to $4,900 without me being aware of it.

So, I called them today and tried to get them to raise adjust my credit limit to $8,500. I thought this was fair considering I was under the impression that I had a 12,500 limit.

They told me that they wouldn't do it and that the $111.00 that I am now "over" would need to be paid by 4/**/2014.

I was furious!! Not only did they drop my credit limit from 12,500 to 4,900, but now I have to pay them 111.00 in 2 days!Desired Settlement: Ultimately, I would like them to put my credit limit back at 12,500 where I thought it was all along. However, I would be okay with raising the credit limit to 6,000 or so. At least enough to where I wouldn't be penalized on 4/**/14 if I don't pay the 111 over the credit limit amount.

THanks

Business

Response:

We responded to the consumer via written correspondence today.

Review: I opened an AMEX Gold card and AMEX Platinum Skymiles card. I paid the balances before the due date on both cards, and paid in full on the Gold card. There were several incidents with the use of the card. I complied with every issue. This last issue is the basis of my complaint. On October **, 2014, I called AMEX from the airport to advise them of out of state travel. I intended to use my Gold card to pay for a car rental and incidental charges for my hotel stay. I was advised that my charges were suspended and my account was subject to Financial Review. I asked for an immediate explanation and accommodation due to the fact that this just happened and I was traveling across the country. I did not get an explanation until after my travel was already completed. I was told that their "review" was random and that I had to provide a 4506T (permission to grant them access to my tax returns). I was told by the AMEX Financial Review team over the phone and in writing that I had 30 days to submit the returns or my account would be cancelled. Twelve days have passed and I have already received an account cancellation notice. Again, no reason provided, my accounts are in great standing.

I understand that AMEX has the right to verify income. My dispute and dissatisfaction with AMEX is in their unfair practices, especially given my payment history with my accounts. (1) Paid before time with the gold card paid in full EVERY month; (2) no warning of suspension - caused great inconvenience during cross-country travel and most importantly (3) not honoring their own timeframe for submission of information.

I do not believe this "trigger" of financial review is "random". I personally know of other members of my faith, that have identical last names, whom has impeccable payment histories and credit profiles, that were also targeted by AMEX. I believe I am being discriminated against based on my name being a declaration of my faith.Desired Settlement: My desired outcome is that AMEX reinstates my accounts on the basis of their unfair practices and my account history, and provide an detailed explanation of why my accounts were cancelled.

Business

Response:

American Express mailed our response to the consumer today.

Review: The law office is not giving sufficient time (one day) settle the account, and the settlement amount increased from the agreed amount.

The Law office of [redacted] (telephone # ###-###-####) is the recovery department for Amex. The representative, [redacted] is the person handling my settlement offer. On 3/**/2015, we agreed on an offer to settle my debt at $3,975($3,000 from my girlfriend and the rest will be 100 percent of my bi weekly salary). The offer was good until 3/**/2015. The offer letter was post marked 3/**/2015 (Thursday), and I did not receive the offer letter until 3/**/2015 (Monday). Everything in the letter was ok, except for the settlement amount had increased to $4,055.18 from the agreed amount of $3,975.

I contacted [redacted] on 3/**/2015, and spoke to [redacted] who indicated to me that the offer is off the table. I also indicated to her that my girlfriend will need three business days to get the funds from her investment manager and the time was too short to do anything.

The Firm has not contacted me to indicate if there is a new letter as I had indicated that I will accept the offer but need at least 15 days to settle the account.Desired Settlement: The Firm contact me with a letter that includes the name of the account (AMEX) and a reasonable time period which is fifteen days at a minimum to settle the account.

Business

Response:

We mailed our response to the consumer today.

Review: My experience with the customer service at amex is quite possible the most aggravating experience I have ever had. I has filed a dispute about a change on my card. Amex denied my dispute four times and every time I had called to inquire why the the dispute was denied the phone line either went dead or I was transferred from one agent to the next in a never ending loop of "[redacted]." Amex them emailed me someones drivers license and credit card information of who I have no idea who it is! Finally the person on the other line just put me on hold for 20 mins until they won and I just gave up and hung up. So long story short if you have an problem with american express just give them your money because you'll just be victimized twice and end up with someones ID and credit card who isn't you.Desired Settlement: Someone explain to me why my dispute was denied and please stop playing phone tag with me.

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:

American Express stated they were not able to credit the account because the merchant refused to issue credit to them. This is not an acceptable answer as the charge was disputed straight away and was still in the process of being disputed. It is entirely unclear as to why American Express paid the merchant. The American Express website clearly states that,"[redacted]

[redacted]Since my claim was made within 2 days, clearly within the 90 + 30 day limits, the merchant was unfairly credited and American Express did not provide sufficient time for me to supply paper work to support my dispute. It was not until the second time I disputed the charge that American Express even asked for any supporting information such as contracts or vet reports. As previously stated, American Express clearly outlines that I have a 90 day period from time of purchase and did not provide sufficient time for me to provide supporting documentation before unjustly crediting the merchant.

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 on April **, 2016. While we regret the customers experience the consumer has not provided any new information to which we can respond, therefore no response will be sent to the consumer. American Express considers the matter closed and we must respectfully request that the consumer works directly with the merchant should they wish to pursue this matter. Should you have any further questions, please contact Customer Service at ###-###-####. Representatives are available 24 hours a day, 7 days a week to assist you.

Review: WAS TAKEN TO COURT BY AMEX IN 2012 AND THEY WERE UNABLE TO PROVIDE PROOF OF THE CHARGES. THE JUDGE DECLARED A [redacted] AND GAVE AMEX AN OPPORTUNITY TO PROVIDE PROOF OF THE CHARGES. SINCE THEN NO PROOF HAS BEEN PROVIDED AND AMEX HAS YET TO TAKE THAT DEROGATORY CHARGE OFF MY CREDIT PROFILE. I HAVE BEEN SUFFERING LOAN AND MORTGAGE DECLINES DUE TO LOW CREDIT SCORES AS A RESULT OF THEIR UNWILLINGNESS TO ACT ETHICALLY AND MORALLY REGARDING THIS MATTER.Desired Settlement: PLEASE TAKE CHARGE OFF MY CREDIT REPORT ASAP!

Business

Response:

We responded to the consumer via written correspondence today.

Business

Response:

We responded to the consumer via written correspondence September **, 2013. 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I contacted American Express about a unauthorized charged on my Bluebird account on April *, 2016 for VSC EUROPE MONDE SNCF INTERNET S.N.C.F Amount of $116.40. I explained to them that I never authorized this charge neither by pin based or signature or telephone or internet transaction. Yet American Express claimed they did an investigation then they declined on April *, 2016 by dispute without any explanation. What proof does American Express have that I authorized this charged on my account? How was it authorized? I don't live internationally. I live in [redacted]. The charge was from an international company that I never authorized for the charge.Desired Settlement: I would like American Express to prove who actually authorized the charge on my account. Do a trace?And credit back my $116.40 amount back to my Bluebird account. Amercian Express's investigation was not thorough or professional at all. I want a refund of $116.40 back to my 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. American Express has restored my account and credit backed the disputed amount of $116.40 today on 4/**/16. My problem is solved and the solution is satisfactory. Thank you, Revdex.com.

Sincerely,

Review: I signed up for the American Express platinum card after seeing an offer for 25,000 bonus points after meeting a certain spending threshold within 3 months (I believe it to be $3,000). American Express says they have no record of such promotion even though ti can be easily found online. They are refusing to give me the bonus points, the entire reason I got the card. This is a bait and switch as I was told with the $450 annual fee, for my first year, I would get 25,000 bonus points after meeting the spending threshold.Desired Settlement: I would like to be given the 25,000 membership rewards points promised at signup.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

The agency has sent no responses besides they are not responding and consider the matter closed.

Business

Response:

We responded to the consumer via written correspondence today. American Express considers this matter closed.