American Express Company

Review: I applied for an American Express Blue Sky rewards card in July as I had a vacation planned for January and American Express was offering 30,000 bonus points for airfare with this particular promotion provided I spent at least $500 on the card in the first 3 months. The card was issued, I spent as required and in early December I began inquiring as to how to apply the bonus points. When I accessed my American Express online account, there were no bonus points credited. When I contacted American Express I was told the offer had expired prior to my application being processed. When I inquired as to why I had received the card despite the "contractual offer" having expired the customer service supervisor I requested said, "I am not sure, it looks like you should have gotten the points. I am referring this matter to our 'investigative team' and they will contact you within 5-10 days. They did not contact me. When I called customer service again I was told the investigation had completed and I was not eligible for the points. At this time, I requested they send me a copy of the contract in which I authorized the credit line so that I might review it for myself. The representative insisted they did not have access to this form and gave me the number to "new accounts" who, he assured me, would be able to provide such materials. On 1/**/14 I contacted new accounts and was told they cannot/will not provide a copy of the contract between myself and American Express.

My complaint is that I am unable to verify whether or not American Express fulfilled its contractual obligations as the contract between us was the promotional document that was required to be returned to claim the offer. Moreover, I believe if the offer was no longer valid, I should have been informed of that fact in writing and given the opportunity to rescind the contract. The points in the offer amounted to about $400 in airfare discounts. Additionally, during the time I spent disputing this disagreement, airfares for my holiday increased approximately $220. As I was purchasing 2 tickets, the sum of the cost of this dispute was approximately $840. What is more frustrating is American Express' refusal to provide copies of the contractual materials as requested.Desired Settlement: Were American Express willing to settle this dispute, I would respond in kind by reinstating my card and allowing the settlement to be credited to that account. If a business is willing to acknowledge its mistake and correct them, I am more than amenable to giving a second chance. I have been with Chase Mastercard for over 20 years and I'm sure American Express researched my credit history before extending their offer. While the travel points were my primary motivation for selecting the card, I was looking to add another line of credit specifically for use at businesses such as Costco that do not accept Mastercard.

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:

[

Last summer I applied via mail for an American Express Blue Skies Card. The promotion offered 30,000 bonus points if the applicant spent $1500 in the first 3 months or something of that nature. I purchased the card because I had planned a vacation to Costa Rica for January and was hoping to redeem my points to discount my fares.

In early November I checked my account to see if my points had been uploaded, since I had met the spending requirements outlined in the offer. My bonus points were not allocated. When I contacted American Express, I was told the offer had expired before my application was processed. I asked why the card was issued, if the offer was not valid and was transferred to a customer service manager.

The customer service manager conceded that it looked as though I should have gotten the points, she told me she would turn the affair over to the "investigation team" who would respond to me within 10 days. They did not. When I called again for a status update, the rep told me the investigation was complete and gave me the same explanation I had already received. I stated that I would like a copy of our contractual agreement as well as something confirming the post date of my contract submission. I was told customer service could not provide such documents and was referred to the "new accounts" department.

When I contacted the "new accounts" department, they initially tried to refer me back to customer service before telling me they could not provide a copy of the contract. This is when I decided to contact the Revdex.com.

Following the submission of my complaint, I eventually received a letter from American Express echoing the "offer had expired" explanation. This letter went on to state that I had "retained" the contract. I assure you I did not. As American Express is a large and reputable firm, I did not assume they would attempt to cheat me.

In summation, I applied for a credit card to obtain the incentive of about $400 worth of free airline miles. Instead, although I held up my obligation, I was denied my contractual benefit, given an extensive runaround, and ended up paying hundreds more for my airfare as I had delayed purchase while attempting to resolve this issue.

What is most infuriating, is American Express' total lack of respect. If my offer had expired, why was I issued a card anyway - with no mention that my rewards would not be honored? If the offer had expired as claimed, why can American Express not show me my postmarked contract as evidence? Why do they continually ignore my request for a copy of the language of the original contract?

It is increasingly obvious that American Express gave this matter no due consideration and hoped that I would simply give up my position. If this is the standard of doing business for the firm, I will rest peacefully knowing that, in 50 years, it will no longer exist. This isn't how business is done. ]

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. American Express considers this matter closed

Review: As an American Express Platinum Card holder, I pay a high annual fee to received benefits associated with this call. Over the past few months American Express has removed many of the most valuable benefits from the card. Apparently they implemented a compensation plan that provided some card holders with compensation that was equal to the value of lost benefits (up to $500 and 50,000 MR points). I spoke to customer service and they would only offer me $100 credit, which does not even begin to cover the canceled benefits. Customer service also promised a member of the marketing team that made compensation decisions would phone me directly and that never happened. Upon inquiring again today, I was told the marketing team does not make phone calls and that I waited for a call of this time for no reason - as they never intended to contact me.

The behavior of American Express towards me as a Platinum Customer is unjust and treating me differently that other members of is shameful and below the standards expected from Amex.Desired Settlement: I would like to received the same compensation that other cardholders received or a formal explanation of the metrics used and why I don't qualify for compensation for benefits that were taken away from the card that I pay $450 a year for.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

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

I have not received any information or response from American Express.

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 March **, 2014, which was mailed to the address listed within the complaint. The consumer needs to allow 7 – 10 mailing days for mailing time.”

Review: Company requested 1092 forms to be faxed including cover sheet. After sending forms twice, they sent me a cancellation notice.Desired Settlement: I would like my account to be activated.

Consumer

Response:

Dear Revdex.com Officials,

Review: I agreed with American Express to resolve a billing dispute, if AMEX waived a late fee and reward membership fee. The account number is ####-###-###-#####. I am still seeing the reward membership fee. I did not have access to the card during this time frame. The card was in control of[redacted].Desired Settlement: Close and zero out the account.

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 talked to American Express and they were going to remove the $90 charge that remains on the account along with any negative credit rating. It was explained to American Express that [redacted] had full control of the account during the period and the charges on the account were disguised by [redacted] or AMEX until my payment in Dec 2014. I tried every I could to resolve this issue. Only American Express is holding out. American Express needs to just state the problem has been resolved like they stated to me. This can be done through online correspondence not mail.The card in question was not in my possession for more than a month of the $90 full year amount (prorated) which is a billing period. Otherwise, I would have cancelledit. Thanks, [redacted]

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:

Unless American Express refunds the full $90 amount, I will notaccept any of their responses. I had the card for one month of 12 months and Idid not receive a bill during that time period showing a positive balance. Sixmonths later, I see a positive balance and American Express has a 90 day clausefor reimbursement. At that point, I had no recourse by calling them.Additionally, they are charging 12 months of fees for at most one month ofservice(s). I do not think the Government or [redacted] would agree to this practice forit is not a GAAP accepted principle.

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

Sincerely,

Business

Response:

While we appreciate the customer’s feedback our position on this matter has not changed. Please note that American Express considers this matter closed. Unless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.

Review: I applied for an American Express Delta Airlines affiliated credit card to receive 30,000 bonus miles on September 9, 2013. There is a rule that I must purchase at least $500 on the card within the first three months. However, the card was not delivered to me until almost October. The first billing cycle ended before I even received the card and was unable to make purchases during the so-called first month that I had the card. It seems that American express considers the first billing cycle as the first month. Once I finally received the card and was able to use it, I noticed that there were 'empty' billing cycles on my account with no charges. I then tried to contact Customer service through the online website chat on January **, 2014 to determine when my bonus miles would be applied. They then indicated that the threshold of $500 had not been reached and that I did not in fact purchase anything during the first three billing cycles. So now I feel that there was something not disclosed to me. I would not have applied for the card if I was not going to get the 30,000 bonus miles. I am ready to use the card to make purchases to spend enough to reach the $500 limit but have not since I was told by the customer service agent that even if I had spent $500 I would not have received the bonus miles since I did not spend anything during the first three months.Desired Settlement: Allow me to spend the extra required amount to earn the 30,000 bonus miles OR to award me a prorated amount of bonus miles for the amount of money I have spent on the card to this point.

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:

I have not received their promised letter.

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

Sincerely,

Barry Reynolds

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:

[The business responded by saying that they had already explained things before and that they considered the case closed. Any further communication from me would be ignored unless I provided any new information regarding the case. The biggest problem I have with this offer of the credit card was that the time period of when I needed to make purchases was from the day in which I applied for the card. Also, the first month billing cycle was not even a complete month. In other words, it was just a few days (less than a week) and I did not even receive the card before the first billing cycle ended. So when the card was received I assumed I had 3 months to make purchases but instead I had basically less than two months since when I did receive the card 1.5 months was already over. So I was not given 3 months to make the required $500 purchase in order to get the bonus miles. I believe this is a scam to get new customers and to intentionally cheat them out of the bonus miles. It's all about a numbers games and a tactic to ensure that consumers do not receive the bonus miles. Since I have been treated so poorly by this company and intentionally scammed, I wish this card to be canceled. I'm attaching the letter I received from American Express to this message. ]

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

Sincerely,

Business

Response:

We responded to the customer via written correspondence today.

Review: I was charged twice for a hotel stay at the Hilton for 1 night stay on January [redacted]. I called the hilton and they faxed a release of funds to Bluebird Amex. I filled a complaint on January [redacted] with american express. I've called a dozen times and each time receiving a different answer. American Express has yet to refund my account for 304.00.

They're customer service is horrible and have been treating me like I've done something wrong.Desired Settlement: I want American Express to resolve this situation ASAP and refund my credit card the money thay are holding of mine.

Business

Response:

We responded to the cusotmer via written correspondence today.

Review: Sorry about it. Here what I would say:

Review: As I'm still building my credit, a few weeks ago, I got approved for a car loan after dealership verified my income. A week later American express approved me for a credit card with small amount of credit line. American Express did not ask me for any income verification and yet issued me the line of credit. However, I was ever humiliated when I went to a grocery shopping and my American Express credit card didn't work and got cancelled. When I called American Express they said they couldn't verify my income and I told them why didn't they ask? I faxed them over my proof of income and yet they couldn't reinstate my approved credit card. They then advised me to reapply and I follow their instructions and reapplied. I got declined and they said they would send me in writing why they couldn't approve me for the credit card.

My questions are:

1. What did I do wrong?

2. Why did I get approved and then humiliated?

3. Why didn't American Express ask for my income verification at the beginning?

4. How they approved me for a credit card without income verification a month ago and now a month later they are declining me with income verification??

I'm willing to resend them my proof of income again and whatever they need?

Resolution: reinstate my credit card.Desired Settlement: Resolution: reinstate my credit 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: Decline: reason - affected my credit score.1. Why would American Express open an account without income verification?2. Why American Express never mailed me a letter stating they type of income verification they need?3. Why in the Revdex.com response American Express does not mention anything about income verification I have provided to Lory at the Financial Review as a fax which had my recent pay stubs. And I was asked to reapply. When I reapplied I get declined because American Express has canceled my account.4.How AmEx could block then cancelled my credit card in around two week of opening of the account and card activation?5. It has not even been one billing cycle and AmEx closed my account. This has caused my credit score drop very significantly(50plus points)Resolution: I provide all of my income verification and AmEx reinstates my credit card.

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

Sincerely,

Review: I was referred to American Express by [redacted] when I purchased a ticket to France. When speaking to a representative with American Express, I wanted to make sure that I was making the best decision and asked several questions before agreeing to sign up with an American Express Platinum Card. I originally was discussing the Gold Card and was informed that the first year was free and then I would be charged the Annual Membership Fee the following year (2nd membership year) I asked several questions in regards to how people typically use the card and was informed that people use it typically as a charge card and pay back the same month so that they can earn points, I asked if there was a fee to cancel if I decided that it was not benefitting me and was told that there was not a fee to cancel. I asked about monthly rates, and was told that as long as you pay for everything that you purchased within the same month (charge card) that I would not be charged interest but that the interest rates were based on an individual credit score. I was directed to American Express Website while on the call and saw the other options available to me and asked if I was only limited to the Gold Card, I was told that I was not and then I asked about the Platinum Card, I asked the same questions as I did with the Gold Card and received an agreeable answer when asking about the annual fee not being charged until the second year. I was told that the only difference between the two cards were the benefits of points and that the Membership Fee was $450 annually with the Platinum Card rather than $99 with the Gold Card but that I could also cancel before I was charged the Membership fee the second year. I based my decision on getting the Platinum Card based on the information provided to me by the representative. When I went online to pay my first month balance I noticed a $450.00 charge on my account. I immediately started chatting with a representative on American Express Online Chat and explained my situation to her. After explaining my situation, the representative assured me that my issue would be resolved and that I would be receiving either a phone call or email from American Express. Over a week went by and no contact from American Express. I chose to contact American Express by phone. I spoke to another representative who explained to me that the Platinum Card did not offer the first year free but that the Gold Card did. Had I known that, I would have not chosen the Platinum Card from the beginning and would have chosen the Gold Card to start out with. I was told that they would not credit the Membership fee so then I asked for an alternative option, I asked if I could switch to the Gold Card instead so that I would not be charged the Membership fee for the first year as promised. The representative stated that I could and then transferred me to someone else who could handle the switch. When speaking to that representative, I asked the same question but was given a different answer. I was told that I could get the Gold Card but I would be charged the membership fee since the first year free is only given to non-American Express Customers (New Customers) I mentioned to the representative the reason I chose to get the card in the first place was because I was told that I would not be charged the membership fee for the first year and that would defeat the reason for the switch. I then asked if they could backdate the Gold Card due to the situation and the representative informed me that he could not. I then asked to speak to a manager in regards to my issue and he mentioned to me that the way they handle escalations is that I would have to leave the Manager a Voice Mail and then I would be contacted by the Manager shortly after. It has now been almost 2 weeks with no response from American Express in regards to my issue.Desired Settlement: I would like to have the Membership fee for the first year credited to my Credit Card Account as I was verbally promised.

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 contacted American Express and resolved this issue over the phone with another 45 minute phone call. I am not sure what written notice they are mentioning in their message to the Revdex.com. The resolution was that they downgraded me to the platinum Gold Card, allowed me to keep all of the points that I accumilated with the Platinum Card and would only charge me a prorated amount for the annual card fee. I have not received a written notice from American Express in regards to my issue.

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

Review: I have been a member of American Express since 1991 with no bad track record. Due to unfortunate health issue I had to take a leave ob absence from my job in October of 2014. This put me in survival mode but I met all my commitments meeting the minimum required and saved my house. Without any notification American Express cancelled my flex pay on my platinum card and tried collect $6900 from my checking account. I never received any

notifications. It froze my account and other checks were put on hold.

I tried to explain everything over and over, dept to dept and nothing. They are demanding this minimum payment.

I am back at work since January of 2016 and getting back on my feet and expecting a settlement in March. They dont care. I have asked them to please reduce the minimum, NOT INTERESTED.

I have every intention to meet my obligations, I need cooperation and little time. Please help.Desired Settlement: Please allow reasonable monthly payments until my settlement, which will clear all my obligations.

Please do not damage my credit report, please see my track record for the last 25 years NO PAST DUE.

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:

Pay Over Time feature was cancelled without without notification. Minimum payment of $6902.36 is not something I could accomplish either rolled in auto pay or not.It froze my bank account. I have made the minimum payment on my other two accounts and intend to pay off all after my settlement. As I explained before due to unfirtunate circumstances I could not work and just back at work Jan of 2016. The outrageous minimum payment is what I am stuck on. I have spoken to a Amex rep dozen times and each one with a different explanation. One rep told me to poay the minimum on my gold because even I pay $1000 to Platinum it will still be past due because of the high minimum payment. Amex departments do not communicate, I have been passed around from department to department. In the meantime my tax return for 2014 and current opay stubs have been forwarded to credit department. I explained that I did not work in 2015 and were on unemployment income.I called twice to arrange oayment plan, I was told they cannot help0 me because I just made a payment online. I will now try calling again to make such arrangement and fullfill my balance upon settlement of my case. I AM JUST GETTING BACK ON MY FEET. ALL I ASK IS TO PLEASE DO NOT DESTRY MY CREDIT. I HAVE BEEN A MODEL CARDMEMEBER SINCE 1991.

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

Sincerely,

Business

Response:

The consumer has not provided any new information to which we can respond, therefore, American Express considers the matter closed and no response will be sent to the consumer. If the consumer has additional questions regarding this matter they may contact Customer Service at ###-###-####.

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:

Dear [redacted],Please consider the facts that has been presented to American Express few times: [redacted] · January **, 2016 my credit limit was reduced, however my balance was $19,000.00. My minimum payment jumped to $6900.00. Please see attached letter dated March *, 2016.Of course I have not been able to meet that minimum payment due to obvious Reasons. Amex pushed me into becoming past due after charges were made due to decreasing my credit limit.· Credit department requested my 2014 tax return and my current check stubs to prove I am back at work at the same salary since January of 2016. Everything requested was forwarded.· It was declined.· I have arranged payments for $900 per month, however the minimum payment keeps growing and I am being reported to credit agencies. This is due to my credit limit being lowered in 2016 after charges were made in 2015.· Please see letter dated March *, 2016. Second paragraph Program Overview confirming I am enrolled in their program and I will be making lower minimum monthly payments, why the minimum of $7000.00 due on this account and I am enrolled in was not adjusted and I am being reported. · I have never seen such ruthless and un cooperation that I have received from American Express. They will force me into bankruptcy. I am willing to meet my obligations like I have since year 1991 without any issues as a cardholder.

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

Sincerely,

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 enrolled in an Amex special offer online through my Blue Cash Everyday card ending in -[redacted] on 11/**/15. The offer is as follows:

Spend $500 or more, get $100 back

Get a one-time $100 statement credit by using your enrolled Card to spend a minimum of $500+ in one or more transactions online at [redacted] by 12/**/2015. Expires 12/**/2015.POID: BYM8:0001

On 11/**/15 I spent $513.86 online at [redacted] using my Blue Cash Everyday card ending in -[redacted]. This is all reflected in my statement and online in my account, which I am able to provide screen shots of.

Upon not seeing the offer as being "redeemed" in my account I contacted Amex through their online chat. Over the course of 4 chats I was told not to worry that the offer was surely on my account, then that they could not see the offer on my account but surely since they could see the requisite dollar amount that the offer would be applied, then that they could not see the offer on that card and that it was applied to another Amex card and I was somehow mistaken. When I insisted that indeed it was on the Blue Cash card that I had used to make the purchase I was finally told that they would open an inquiry. Now the inquiry is closed and the result was that the offer was not on the Blue Cash card. I have since opened another inquiry.

I have enrolled in the offer, I have made the purchase and met the terms of the offer and now I would like Amex to honor that offer and issue me the $100 statement credit as outlined in the offer.Desired Settlement: I have enrolled in the offer, I have made the purchase and met the terms of the offer and now I would like Amex to honor that offer and issue me the $100 statement credit as outlined in the offer.

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:

First off, they have not replied directly to the complaint I made through Revdex.com but have mailed me a paper letter which I have only now just received in the mail on 1/*/16. Now they are acknowledging that I AM ENROLLED in the offer on the appropriate card, but that I was not enrolled until 11/**/15 and my purchase was made on 11/**/15. How convenient that now they have such specific information available to them that has only now come out of the vaults. This company has the runaround game absolutely perfected. I cannot believe that they will not honor this promotional offer even though I have met all of the requirements. I only regret that I did not take screen shots of my account on 11/**/15 when I enrolled in the offer. At that time however I had no idea that I was in for such a protracted battle over what seemed like a straightforward promotional offer. So at this point I guess it is just my word against theirs. NEVER again AMEX. I will be taking my business elsewhere ASAP. This company has the worst customer service I have ever experienced with a financial institution. No accessibility whatsoever. You are only able to talk to automatons with no empowerment to do anything for your situation. Only after escalating this through the Revdex.com do they then come out with specific information that had I been told this over a month ago I could have done something about. Now it is too late, the promotion is long over and I am left with my word against theirs and yet another iron door slammed shut in my face.

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 request to see what proof Amex have of their claim that I enrolled in the offer after 11/**/15, or on 11/**/15.

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

Sincerely,

Business

Response:

While we regret the customer’s experience, our position has not changed. The consumer has not provided any new information to which we can respond, therefore, American Express considers the matter closed and no response will be sent to the consumer. Unless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.

Review: I have an American Express Serve Prepaid Account ending in [redacted] and 3 sub-accounts. One of my sub-account holders is [redacted].

The sub-account card for [redacted] was lost and I promptly called the American Express Serve customer service number to report the card lost and also notify them of the unauthorized transactions found on the account online.

There were 8 posted unauthorized transactions at the time of my call, from 5 different mechants, for the amount of $1,789.30 and they were disputed. I was sent a dispute declaration form on Friday 12/**/2015 which I filled out and sent back by fax, same day.

To my surprise, I received an email from American Express, stating that my Serve account has been suspended, and all my sub-accounts closed. I also got an email saying my disputed transitions' claim was denied and never got my money back.

The case for unauthorized transactions was reported Friday, and by Monday morning, American Express has concluded their investigation and denied me fair hearing, as stipulated by the banking laws.

I Calle the Merchants in question, and some of them never got a call or Email or mail from American Express, regarding my case. So the question is, what was investigated?Desired Settlement: The card is a prepaid account and I loaded money into it, that was used without the cardholder's authorization. I want my money back, please.

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:

The response was that they can close my account, but not why my claim was denied and not investigated

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

Sincerely,

Business

Response:

While we regret the customer’s experience, our position has not changed. The consumer has not provided any new information to which we can respond, therefore, American Express considers the matter closed and no response will be sent to the consumer. Unless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.

Review: On May [redacted], 2014 I transferred funds from my American Express Serve account to my Bank of America checking account. As of May [redacted],2014 the funds are still not in my bank account. I have called AmEx every day since the [redacted] asking where my money was/is. I am not being given any answers from them on how my money has disappeared, I was told 4 days ago they would start an investigation. I called them today the [redacted] of May and spoke to a rep; the rep informed me they didn’t even start to escalate the problem until this afternoon. I have asked numerous times for the transfer number from them so I could contact my bank, I have asked them numerous times to cancel the transfer and return the funds to my AmEx account, they have refused to provide me with this information or cancel the transfer.

Again my money has disappeared and they don't seem the slightest bit concerned. I have contacted my bank twice and they show no incoming transfers from AmEx. I even did a small funds transfer on Monday the [redacted] from Amex to [redacted] and it was in my Account by Wednesday. They keep telling me to wait 3-5 business days for an answer which it has already been 4 days since they should of started the investigation, I was told today by a Supervisor that he would call me back by the end of the day with a resolution. No one called. As it currently stands now I am 4 days away from it being TWO weeks since I transferred the funds. Generally all transfers I have done with them only take 2-3 days at most. I am placed on hold for 45 mins and up without reps returning to the line. I was told today its a technical issue they are having but yet they still can't answer me on when my money will be returned to me and tell me to just wait. This is unacceptable. I tired contacting their corp. offices in New York City to file a complaint and was refused any sort of service.

Summary: Transferred funds from AmEx to [redacted] on May [redacted]. As of May [redacted] funds still not in my bank account, AmEx customer service keeps giving me the run around. No Answers on when my money will be returned to me that they LOST. They told me they have escalated the issue 4 days ago, they did not in fact escalate the issue until today when I called again.Desired Settlement: I want them to return my 150.00 dollars they lost, and I want an apology from the CEO of the company.

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:

You say AmEx answered my claim but yet the message from the business is completely empty I see no response from them at ALL.

MESSAGE EMPTY!

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 June **, 2014. The consumer needs to allow 7 – 10 days for mailing time.

Review: I placed an american express gift card order at [redacted] on 4/**/2014. It was approved and shipped to me. A week or so later, I called their customer service line (###-###-####) to get it registered under my name and address so that I can make online purchases. The representative said I had to fax a front and back copy of the gift cards, my ID, and my receipt for them to process it. I did so and a week later I tried calling back, they told me that they suspended my card and that I would be getting a refund back in 14 business days. Then 15 business days go by with no sign of a refund check or a credit back to my credit card, I called back again and they said that I would have to submit my ID and my receipt via fax in order for them to further process my issue, I asked to speak to a [redacted] and was told that there the representative has already spoke to the [redacted] and that this is the only option. I asked to speak to the [redacted] again and still I got resistance so I hung up and called again a few days later. Upon this final call, the representative said that my refund was processed and completed a few days after the order date. I told her that that is impossible because its been over a month now and still no credit back to my credit card. I asked to speak to a [redacted] and was met with resistance again. After I demanded to speak to a [redacted] for the fourth time I was finally put on hold, a hold which lasted over an hour until I gave up and hung up.

American Express Card order: #[redacted]

Order date: 4/**/2014

Credit card used to pay: ending in [redacted]

Total amount paid: $5016.85

Ordered Product: 1x$2000 Personal american express gift card, 1x$3000 Personal american express gift cardDesired Settlement: I would like to get a refund for the amount that I paid and compensated for the countless hours I wasted and for holding my funds captive for over 7 weeks.

Business

Response:

We responded to the consumer via written correspondence today

Review: On late Oct 2012, I had ordered windows shutters from a local company ([redacted]) so in advance I had given a payment (1,472.10) thru my American express merchant used SQUARE to make the charge, the Windows shutters were supposed to be delivered and installed 4 to 6 weeks. The windows shutters were not delivered and installed, so between the merchant ([redacted] - owner) we agreed to return the funds in late Dec 2012. I had filed a billing dispute with American express, the $1472.10 was credited temporarily, but after 4 to 6 six, the credit was removed and posted as a rebilling. I called about this matter to American express customer service ([redacted]) and again a temporary credit was given on Jan **, 2013. Then after 3 months this time on April *, 2013 the $1472.10 was rebilled again, called again customer service and was a given another temporary credit on April **. Again on 5/**/2013 this was rebilled again on my account. I had to call several times (5 times) to get another temporary credit, I even received a letter were it showed I had sign the receipts for the charges totaling $1472.10 which that is not the issue, since it was an advance for a supposed product I never received, until 6/**/2013 I was given another temporary credit to my account on 7/*/2013 I had this amount be rebilled again to my account.Desired Settlement: I would like to have this investigated properly by American Express as even I have had to explain it to several supervisors/managers it seems like they don't understand the situation. I have talked with the business directly and they are willing to cooperate to refund the money according to the business they had the funds removed since December 2012 from Square and they know that they did provide service so the funds should be returned accordingly. According to the business nobody has contacted him from AMEX or SQUARE regarding this dispute. I would just like not pay for this money as I never received any product/service I did sign a receipt voucher thru like an ipad device the merchant had, but it was an ADVANCE not for something that I had already received or product purchased.

Business

Response:

We responded to the consumer via written correspondence today.

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.

Review: I had lost my wallet approximately three weeks ago and all my credit/debit cards. I had contacted all credit card companies, including AmEx, to issue new cards and informed them of a potential delay of payment due to the fact that I may not have access to my checking account -- the checking account was blocked due to the loss of debit card and I make all deposits via ATM machine. When contacting AmEx to issue a new card I had discussed the chance of me not being able to pay my bill on time due to lack of access to my checking account and the reassured me that they can fix any issues that would arise from the situation. A late fee was then charged and now they refuse to reverse the charge.Desired Settlement: A reversal of late fee charges

Business

Response:

We responded to the consumer via written correspondence today.

Review: I recently opened an American Express Golds Rewards Card. We were opening a new business and were already using the American Express Gold rewards card at 3 other business locations that we own. They are all separate business entities and as such require 3 separate card accounts. For the new business, we were going to open up a Delta Skymiles card instead because ultimately we use all of our rewards points for miles with Delta anyways. As I was coming upon the time to open up the new card for the new store location, I received an offer from American Express for 50,000 bonus rewards points for opening a new business Gold Rewards card with them or 100,000 bonus rewards points for opening a platinum business rewards card. I called in to American express to compare the two cards and decided to open the Gold Rewards card because of the lower annual fee. Anyways, I'd met the spending requirements required to qualify for the bonus and was waiting to receive the rewards points. After 4 months, we still had not received the points so on Friday March [redacted] I called in to see when the points would be deposited into our rewards account. When I called, I was told that there were no rewards points! I inquired as to why and was transferred first to another department and then to a [redacted] within that department. I was then told that I had been DENIED that offer because I have other Gold Rewards accounts with them. This was upsetting for two reasons. Firstly, I do have 3 other Gold Rewards accounts and have been given a rewards point bonus incentive for each one of those in the past and secondly (and most importantly) when I called in referencing the offer and went through the application process, I was never told that I had been denied the offer and would never receive the 50,000 bonus incentive points. They sailed me right through the application process and overnighted me cards. I was never notified that the offer that enticed me to open this card rather than the delta skymiles card would never be given. I never knew this until Friday when I contacted them. If I'd have been told over the phone when I called in and applied that I wouldn't be eligible for the offer then, I would have taken my business elsewhere. As it stands, I feel duped by American Express and this deceptive practice to open new customer accounts.Desired Settlement: I would like the promised 50,000 rewards points and an apology letter and a change in policy or if this is not a policy issue then employees that enroll new customers should be trained to be more forthcoming with important details.

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 received an automatically generated response. They did not review the audio of my conversation with their representative.

The representative new that I had this same card already in fact that I had 3 already each of them with a separate business.

Nonetheless when I gave him the offer information and he pushed it through he neither told me that I was ineligible or that I had been denied that

promotion. If I had been told this I never would have applied for the card as there are other cards with American Express or Chase that I could have

received a welcome promotion.

He told me that we were good to go and gave me timeline to expect the welcome points.

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.

Review: Hello,

Im contacting you today in regards to a credit card that was opened under my name but was not me. I was unaware of an issue until a year ago when I applied for an american express card. I was told that there was a card already opened with a bad debt. So I started investigating. Turns out an old roommate stole credit for a living. He stole credit from me, friends, and family members. I was finally contacted by american express about the debt. I was paying the debt because I thought it was the right thing to do. But I was told to stop by legal counsel because it makes me look responsible for it. The guy would open up the accounts and add his name as an authorized user. Manage the accounts and eventually let the card go.

Please help. Thanks.Desired Settlement: Please correct the credit report and assign the debt to the correct person.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

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

Sincerely,

Review: I would like to file a complaint against American Express. I purchased furniture from [redacted], which I didn't care for, and returned. On Feb. [redacted], 2016, [redacted] issued me a credit to my AMEX card in the amount of $3,924.30. Today is 3/**/16, and although AMEX removed the credit from my account on March *, 2016, they refuse to send me the check. I have contacted their Customer Service Dept. on 4 different occasions, and they keep telling me that I'll receive the check within 48 hours. This never happens. Can they legally hold my money hostage for 2 plus weeks??? I am so frustrated right now. Could you please help??

Regards,

[redacted]Desired Settlement: Stop holding my money hostage and send me the [redacted] check as you promised multiple times!!!!

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:

22 days since my [redacted] credit was posted to my AMEX card, and still I have not received my check. This matter will only be resolved when I receive my almost $4000 from AMEX. Four written requests, two customer service conversations with supervisors, and all I hear is that "[redacted]" Well, please, show me the money!

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 at the address provided Today 3-**-2016. The consumer needs to allow 7 – 10 business days for sufficent 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,