American Express Company

Review: We have contacted American Express numerous times telling them to stop sending us credit card offers in the mail, but they keep sending us offers every week! The last time we called and spoke with a customer service rep named [redacted] which was in November 2014 (confirmation # [redacted]). We told him that we do NOT want anymore mail at our address. He assured us that we would not be receiving anymore mail and that he would take our address off their mailing lists. Since speaking with him in November we have received mail every week and sometimes twice a week! We received two offers today in the mail! We have never used American Express, we have never signed up for their services/products, and we are also on the "Do Not Mail / OP-Out" lists with all the credit card companies so we do not know how they got our information and why they keep sending us stuff every week! It takes forever to get a hold of someone at American Express and there is no unsubscribe link on their website. I am tired of calling them, waiting on hold, and writing them telling them again and again that we do NOT want ANY mail at our address. How many times do we have to tell them before they stop!? Once I tell them to stop they have to legally remove us, but they keep sending us mail.Desired Settlement: We want American Express and ALL of their affiliate companies to stop sending us mail at our address.

We do NOT want ANY mail for the following address: [redacted], [redacted]

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 was mailed an offer to apply for a American Express Green Card with RSVP Code: [redacted]-###-###-#### and receive 25,000 rewards points after spending $1,000 in 3 months. Offer expires on 2/**/2015, however, I applied and was approved on 1/**/2015 and made the required purchases within 3months. American Express refuses to honor my rewards, giving me multiple reasons each time I call. Ref ID online chat #'s [redacted] and [redacted]. They tell me it is because the offer changes over time or that I didn't use the RSVP code when I apply. I absolultely used the RSVP code, in fact if you go online to the webpage that was mailed to me with the offer to apply, (getamexgreen.com) you can't navigate in the website and apply WITHOUT the RSVP code. I get a different reason for why they will not honor my 25,0000 rewards points everytime I call. They are not consistent. In addition, this offer is misleading because it does not state this is a Charge card, so all my purchases must be paid in full at the first billing cycle. I was even told on a chat 3/*/2015 that the deal I was referring to didn't even exist, even though I was holding the paperwork right in my had. This all seems very suspicious to me, and all I want is my rewards points as promised in our agreement when I applied.Desired Settlement: I want the 25,000 rewards points that I was promised when I applied and there to be better verbiage in their offer letters so that the language of the offer is very clear to the consumer. This is very confusing and frustrating.

Business

Response:

We 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.I received the 25,000 rewards points and am satisfied with that portion of my complaint, but I am not satisfied with American Express' response. They still put blame on me the customer for not utilizing the RSVP code, and didn't address all the other "reasons" why they told me I was not eligible for my rewards, or that they denied there was any such deal. One of their excuses was that I applied using a 3rd party offer. Again, the offer that was mailed to my home address pointed to the website getamexgreen.com with the RSVP code, you can't navigate past the first screen without entering the code. I will not be doing business with American Express again and I think this offer/company ought to be looked at more closely for other discrepencies being offered to the public.

Sincerely,

Review: I loaded my American express prepaid [redacted] REDcard of $100 at [redacted] in [redacted] at 05/**/2015. On the receipt, it says " no refunds for this item and Debit total payment $100". However the funds never showed up in my account. I contacted American express the same day and was promised to get the issue resolved in 45 days. Then I followed up with 2 more phone calls. One customer representative told me that this was a issue on that day for a lot of american express prepaid cards. However, almost 2 months have passed, I still have not got the funds in my account so far. I called American express again and they told me to contact [redacted] now. It feels like kicking [redacted] .Desired Settlement: Get my funds in my 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: In september 2015 I got a bill for an American express everyday card (total $353). For the past 6 months I have been struggling with American express fraud department about charges that were made for Amex everyday Card that has never been in my possession. Though I hold a Corporate Card, I have never received any Everyday Card. Amex Fraud services tells me they are not able to consider my fraud application because I have assumed liability by having made payments on the EveryDay card. To this date Amex has not been able to prove such payment, the everyday Card has been closed for lack of payment and the case is now with collection. I have filed an ID theft report with local police and shared this with Collection. I am very disappointed to see that amex is not able to resolve such a basis issue. I spent over 30 minutes over the phone each month to get the same result!Desired Settlement: Amex should provide prrof of payment to the card, confirm with merchants that I am not responsible for these charges and withdraw this case from Collection and credit reporting agencies

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: For my American Express Credit Card Account ending in [redacted], I was put on paperless billing without my knowledge or consent. When I realized that I was late on a payment because of the fact that I wasn't receiving bills in the mail, I called American Express to ask to be removed from paperless billing. However, not only did I continue to not receive bills in the mail, I ended up over 60 days late on a payment and this has dramatically impacted my credit score with the three credit bureaus. It should be known that I have never been 60 days late on any credit card in my life, I carry a zero total debt balance and pay off any and all cards every month, and the amount that I was delinquent on with American Express (approximately $165) is a negligent amount for me and extremely simple to pay off--which I did once I was made aware of the balance. I attempted to have this matter resolved with American Express directly, but they transferred me countless times and put me on hold for unacceptable periods of time and they did nothing to correct the negative mark that they are guilty of assessing on my credit record. I travel frequently for work and have a generally very busy schedule. I am only aware of bills and payments due when I receive them by regular mail. American Express has failed to provide me with any type of notice that I had payments due, and they have adversely affected my credit rating over what is ultimately an inconsequential dollar amount. I am currently in negotiations with a company for a new job that is pulling my credit as part of its background investigation process. The aforementioned actions of American Express can literally jeopardize my chances of being hired by this company. This is absolutely unacceptable, and I demand that American Express reverse its negative marks on my credit record immediately!Desired Settlement: I demand that American Express immediately reverse the negative marks that it has assessed against my credit report and repair the damage that it has done to my good credit standing.

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]

The response that I received from American Express, dated November ** and received on December **, epitomizes the lack of human element and standardized, robotic response that one would anticipate from a monstrous bureaucracy. The letter goes onto describe its policies surrounding late payments, paperless statements, credit bureau reporting, and customer service experience.

In the section under Paperless Statements, the letter goes on to deny any responsibility on behalf of American Express for the fact that my account was enrolled in paperless billing, which is the sole reason why I did not receive bills to notify me of payments due. The letter talks about my voluntary enrollment in Checkfree eBills or FISERV through my financial institution, but this statement contradicts what I was told on the phone by customer service: That I voluntarily enrolled in paperless billing through Americanexpress.com. Regardless of which statement American Express chooses to stick with, the fact remains that I was never aware of the fact that I would not be receiving paper bills through regular mail, as I do with every other credit card I own. American Express NEVER notified me by regular mail or telephone of my initial balance or at any time when my account became past due. It is this negligence on the part of American Express that my Credit rating literally dropped over 100 points overnight. Moreover, my good credit standing has become "weak" because of an initial balance of $35.00 that American Express neglected to make me aware of. When I was finally aware of my balance of $486.76, I paid it immediately.

The manner in which American Express brought my account from current to "60 days past due" without one paper statement or phone call is deceitful to say the least. It goes without saying that one cannot rely on e-mail notifications for account statements as they are almost impossible not to overlook with the amount of junk mail and advertising received on a daily basis, including spam ads from American Express itself. I have an outstanding reputation as it relates to every credit card I've ever been in possession of, including various American Express Cards. In this instance, it would be prudent for American Express to admit its error in notifying me of my balances (including overdue balances) and reverse its mark on my credit report as previously requested in my initial complaint.

I thank the Revdex.com in advance for its assistance in mitigating 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 customer today via written correspondence.

Review: I opened a new American Express Credit Card Account, with them, this Summer,

and I earned $110 in "Rewards' - because I spent over $1,000 while using my American Express credit card.

I called their customer service dept. (approx.) Sept. [redacted], 2013 & I asked if I could redeem the rewards that I had earned.

The representative told me that I had earned $110 in rewards & that I could redeem them immediately, if I wanted to.

I said - "Yes. I want to". But when the rewards arrived, they only gave me $100 - not the $110 that I was promised.

I have called them numerous times, to get the other $10 that I am owed. But they refuse to give it to me.Desired Settlement: $10 check mailed to me.

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:

They claim that that sent me a letter in the mail, but I have NOT gotten any letter from them !!

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

Business

Response:

The consumer has not provided new information, therfore American Express will

not be responding and considers the matter closed.

Consumer

Response:

You asked me to send you a copy of The American Express brochure, which

Review: I can not get AMERICAN EXPRESS to stop sending me 'JUNK MAIL'. I called AMERICAN EXPRESS twice (05/**/2014 and 05-**-2014) (###-###-####) and sent them a request via a Internet Financial Institution Mail Preference Service asking them to stop sending me JUNK MAIL; remove my name and address from their mailing list(s); do NOT sell or share my name or mailing address with any other Company's. I also went to their website to send them a message - the same subject as aforementioned and it would be my FORTH attempt to try to stop their JUNK MAIL - but their is no 'contact us' icon on any of their websites - all the information on AMERICAN EXPRESS's websites strictly address' BUYing their products or services. I received JUNK MAIL from AMERIOCAN EXPRESS today (07/**-2014)!! In addition (this time) my wife received a packet of JUNK MAIL from them also. They both look the same ... we will file another complaint with the Revdex.com against AMERICAN EXPRESS after we submit this complaint. Could you PLEASE - perhaps you can - communicate with AMERICAN EXPRESS and tell them that I have NO INTEREST in their products or services. ESPECIALLY after this JUNK MAIL fiasco with them. Thank you.Desired Settlement: DesiredSettlementID: Other (requires explanation)

1. Remove my name and address from AMERICAN EXPRESS' mailing list(s). DO NOT SEND ME ANY MORE JUNK MAIL - NO mail - from AMERICAN EXPRESS.2. DO NOT sell or share my name and address with any other Company's.3. Send a written reply to the Revdex.com stating that you have complied with the above ... AFTER you REALLY HAVE done what has been requested above!

Business

Response:

American Express mailed our response to the consumer today

Review: On 8/**/14 Iwas informed by an American Express representative that an unauthorized credit report was pulled, which set a credit limit that I was unaware existed. When I ask to speak with a [redacted], the [redacted] hung up the phone and disconnected the call. Despite any company policy a credit report can not be pulled without consent. After this action I called again and was told I was over the credit limit when, to my understanding, there was no credit limit on the card. When asked to reverse the charges leading to an over the limit status the company representative refused. At this point, I informed the represenative [redacted] that I would contact the Revdex.com for help with a resolution to this problem.Desired Settlement: Complete explaination.

Business

Response:

American Express mailed our response to the consumer today.

Review: I used to have a American Express Gold [redacted] credit card and closed the account in by paying the outstanding amount in full in and around August 2014. I opened a new credit card with them with a zero annual fee. Later around December when I was planning on buying a car I noticed some errors in my credit report where in I noticed that a delinquint account has been shown in my name. I called into American express and noticed that I have been paying for some service which I didnt authorize and soon after that American express nulified all the charges and had a review open for the charges and they said they will update all the credit bureau's with this wrong information and clear everything. I was told I will not be responsible for anything as I didnt authorize those charges. Back in February I had to buy a car and the and the same delinquint account shows up and I had to pay more for the interest charges and also I was not able to obtain best loan program due to this error from American Express.Desired Settlement: I hereby request American express to fix these wrong information by updating all the credit bureau's and since I wasnt able to obtain good credit , they need to pay for the damages I had to incurr because of that . They need to help me pay any amount that will bring down the interest rate for me due to the incorrect credit information. Also they need to pay for the damages they have caused by causing a dent in my credit history by paying me for the inconvenience they caused. I expect them to pay $ 20,000 fine for this . I will take them to court if required for all the inconvieniences and bad name this has caused me

Business

Response:

American Express mailed our response to the consumer today

Review: Hello,

I was sent a personal targeted offer of 50,000 bonus points after spending 1,000 dollars and no first year annual on an gold rewards card. . I called to confirm that I would be eligible for the bonus as I had once upon a time received a welcome bonus. I called in specifically 2 times to confirm that I would indeed be eligible . I even uploaded the document that I was sent to their website proving that I was personally solicited. I proceeded to spend over 1000 dollars, and was told I would indeed be receiving the 50,000 points. Now [redacted]s saying I am not eligible, but are upholding the first no year annual fee. Card # ends in [redacted].Desired Settlement: I would like the 50,000 point offer as an offer should not have been confirmed several times, nor should they have even sent it to me to begin with if they had no intent of honoring the offer. I have been a customer for over 10 years, and should have never been treated this way.

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 no received anything in the mail. Nor have any of the points that I was promised given to me as of yet.

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 received a letter in the mail stating that their targeted offers and the actual points departments do not communicate and therefore amex believes that it is ok to deceive me . I was under the impression that since I received a targeted offer with my name on it, that they wanted me back as a customer. The Revdex.com should advise amex to not mislead customers and to communicate properly within their departments. I have yet to receive the promised and targeted, 50,000 membership reward points. ]

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 a [redacted] Amex card. I went in for a [redacted] pre-check appt. The person at the interview looked at my card and told me that Amex would refund me the $85 fee. At the end of the appt, they gave me a receipt to turn into Amex. I called Amex and asked them what the process was and what I needed to do to get my refund. They told me that I needed to do nothing and the refund would appear on my next statement. I never received the refund. I went into online chat and was told I would not be getting the refund b/c it was for plantinum members, not gold members. I explained that another Amex employee already told me I would be getting the refund. I asked to speak to a supervisor. I was told someone would call me in the next few days. I received a call from ###-###-####. I could barely understand the person. Not only was their English very poor, but over and over the line was crackly each time she called. I think she said her name was Citron or Freeon. She has called three times during the day when I am in meetings. I cannot call her back. The number she gives me, ###-###-#### is sometimes disconnnected. Other times, I can dial the number, but when I dial any extension, including hers which changes every time, I get a busy signal. This happens no matter when I try to call her. The ###-###-#### also does not accept calls. I contacted customer service chat again and they said to call a supervisor line at ###-###-####, but that is just another regular customer service line. I copied both chats eventhough there was not a feature to do so as with most companies' customer service chats. This is ridiculous. I have spent an immense amount of my time and energy on this.Desired Settlement: I want my $85 back I was told I would be give and $50 for my time and trouble, so $135 total.

Business

Response:

American Express mailed our response to the consumer today.

Review: I made a transaction to pay a bill on July [redacted], it noted that the transaction was to be completed by the [redacted].

I called on the [redacted] to see why my funds had not arrived and was told that it would not for another 5 business days.

I was on the phone for over 1.5 hours and put on hold several times. At one point the rep forgot to press hold and started to laugh and talk with a colleague about my situation because I was frustrated. This same rep confirmed in her own words that a company confirming in writing that a transaction will complete by a specific date, in a situation where the transaction isn't fulfilled and the monies have been refused to be returned immediately to the sender IS A FORM OF THEFT!!!

I had to take cash out of my SERVE account and manually make my payment leaving me short on funds.

I called 5 business days later to file a dispute on the charge as the funds had yet to arrive.

2 days later an email was sent to get info to initiate the dispute when low and behold, A CHECK CAME IN THE MAIL FOR THE TRANSACTION AMOUNT FOR THE COMPANY I WAS PAYING THE BILL TO! How on earth does that happen?! So I tell myself don't worry just use it for next month.

Now, today I call because I received an email about the dispute. It requested info to begin the process I requested 4 weeks ago. So I called in to make sure that THE DISPUTE IS CANCELLED!!!! The representative assures me that the dispute is cancelled and that the check will remain valid and he has confirmed this with the dispute department. THE FIRST SEEMINGLY GOOD CALL I'VE HAD WITH [redacted] IN THE LAST 10+ CALLS!!!! About 2-3 hours later I receive an email that says my transaction was rejected (A BOLD LIE SEEING AS HOW i'M HOLDING THE [redacted] CHECK IN MY HANDS!!!!) and that the money HAS ALREADY BEEN REFUNDED (NOT WILL BE) to my account!! ANOTHER LIE!! When I call to figure what the [redacted] is going on they tell me that the money won't return until Friday, but I NEED it tomorrow!!

So what the [redacted] is a company that once held pride in exemplary customer service doing with its head so far up it's [redacted] how can you breathe with your face [redacted] deep within your own colon? How?! How is this possible?! and WHY!!!!????Desired Settlement: I want a call from an employee BASED IN THE U.S.A. to call me and sort this out!! It is a miracle that I do not take legal action with the [redacted] backward service I have received as I once had such great respect for this institution! I want to know how we can resolve this and how [redacted] will make this right and make up for the STRESS, EXHAUSTION, RIDICULE, SHAMEFUL CUSTOMER SERVICE AND FINANCIAL STRUGGLE I had been put through in this situation!

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 have yet to see the contents of this letter

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:

Thank you. I will respond once I receive the letter this week.

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 to the address on file on August **, 2015 and remailed the same response on September *, 2015. We appreciate the consumer's feedback, and respectfully request that the consumer allow 7 – 10 business days for sufficent mailing time. Thank You

Review: I am a long time (> 10 yrs) AMEX personal credit card primary user plus my 3 other immediately family members. within all these years, I never missed a single payment, but until my Aug 1015 statements. The due date was Friday Aug.[redacted]. By the time I realized it, it already pass midnight of Aug [redacted]. The statement amount was $2295.79. It include $1030.20 airfare for my international traveling.

I immediately jumped on my Bank of America(BOA) bill payment page and did my routine payment, but the earliest date for BOA to deliver the payment was at next Tuesday, Aug. [redacted]. So I missed 4th days and there are 2 days as weekend.

As I expected, my September statement, AMEX charge me Late fee: $27.00, plus $41.88 interest. Total was $68.88 penalty.I talked to myself, WOW, missed 4 days and I got such a harsh punished.

So I paid the full amount, wich I always did, plus this $68.88 penalty. You would think this was over, at least this is what I thought.

Now, I got my October statement, AMEX charged another $27.47 interest fee. This made the total penality to $96.35 for my 4 days missed payment at my Aug's, statement.

I immediately called AMEX customer service. I realized that how bad this AMEX, as a company in general, and I really I got rip off hard by this company.

The two service ladies, the 2nd one claim she is a manager, kept trying to explain to me that according to their calculation, this is correct. I told them, look, as a regular customer, I don't have to understand how your omplex calculation is doing, but I kept said to them do you really listen to what I said, missed 4 days payment, which include 2 days weekend, and the fast BOA can deliver was 4 days after, YES, I bought, but the tatal penalty is $96.35 isn't it too harsh? The answer back is kind of no mercy, this is the way how the calculation work.Desired Settlement: Reduced this ridiculous amount of penalty. Total $96.35 penalty for paying in full after 4 days delay, just because my bank can't deliver in time and there are 2 days weekend within this 4 days time frame.

For the past 10 more years, I never missed a single payment. Now this $96.35 penalty seems rip off your loyal customer with no mercy. I don't see why customer will continue loyal to you as a company.

Business

Response:

American Express mailed our response to the consumer today.

Review: I received several offers from American express gold card for 75,000 points with 5K spend. I was not able to find the code initially, but later found the code and called American express with it. I was told by the Rep that I would get the 75k bonus after 5,000 spend. Subsequently, I spent the $5,000 and only received 50,000 bonus points. I have spent several hours on hold with customer service supervisors and was told that there is nothing they can do. I requested a call back from corporate office with no response. It is fraudulent to tell a customer that they will receive the bonus, and then not honor it when they fulfill the spend requirement.Desired Settlement: 25,000 points deposited immediately and extra points for the time I wasted trying to resolve this issue.

Business

Response:

American Express mailed our response to the consumer today

they except charges on your behalf, I would never recommend them, I have a visa through [redacted] and another tnrough [redacted], and they always resolved what ever issue I have had unlike American Express, American Express can't give you a straight answer all they have been taught to say is "I understand your frustration", and on top of it all their reward programs are awful and they're not excepted by everone.

Signed up for the promotion where if you are a new customer and have 2 direct deposit of $250 or more you qualify to receive a $50 credit. I figure great, it's American Express and it should be legit. I was wrong. I signed up as a new account with well over $250 in direct deposits bi-weekly with this card thinking eventually I would get a credit. I was sooo wrong. I never got the credit and even after I called in 3 times I was told that I would be credited to they had to send it to another department then after months they tell me I don't qualify even tho I fell within the new promotion dates and signed up before the expiration of the promo with qualify direct deposits and still nothing I have proof and emails of everything but after 2 and a half hours on the phone I just gave up.... The card is not even all that great. You can only use it as credit, not all places take Amex, all the ATM's that you can get your money from for free are far away and your can not get cash back on anything. Customer is really bad and once you get to a supervisor if that they don't assist. The card was not keeping. Only benefit was having a brand name card but in reality it's not even truly American Express. Very disappointed

Review: Received notice that a penalty APR rate was attached to my delta Skymiles AMEX card for a late payment made on 4/**/2013. Due date was 4/**/2013, a Saturday, so transaction did not complete until that Monday. AMEX asserts it is my 2nd late payment. 1st late payment was made after I got all my affairs in order from Hurricane sandy, which they should have documented. that was waived, as well as the late fee. I contend that this first "infraction" should not even be an infraction because of the circumstances involving the hurricane. AMEX policy says 2 late payments in 6 months causes the penalty to be attached. I completely disagree that I should have a rate attached that is in penalty. I have had this account since 2004, with a credit limit upwards of $20K, never paying late. Amex reduced my limit during the economic crisis in 2008, which hurt my credit because they reduced it to the balance I had at the time - $5K. So not only was my limit reduced by 75%, I for sure know that my credit score was affected by such practices and then this penalty rate for a transaction that was due on a Saturday but posted on a Monday?Desired Settlement: AMEX should recognize my value as a long standing customer - request a modest line increase commensurate with my years as a customer. I would also like a written apology for even putting me through a poor customer experience regardijng this penalty rate.

Consumer

Response:

I just want the original rate to be returned to what it was before this penalty rate was supposedly applied. I feel that after 10+ years of never having an issue, an oversight or due date falling over a weekend should not cause my rate to increase by double.

Business

Response:

We responded to the consumer via written correspondence today.

Review: First off, I've paid extra for protection from billing problems. I've talked to representatives, they would not work with me. He was rude and couldn't understand English very well and kept telling me how much I owe repeatedly. I'm financially strained as a single mother. I went from 5 days bringing home 200 per week to three months unpaid maternity leave to one to two days per week and no child support. I asked to make a plan to only pay 10 per month because it's all I can afford. He just kept saying i'm over my limit. I didn't charge over my limit, your company's late charges put me over my limit and is refusing to work with me.Desired Settlement: financial hardship arrangement.

Business

Response:

We responded to the consumer via written correspondence today 9-**-13

Review: I purchased an american express prepaid card online at the american express website. This card was for my daughter who is attending school in Tucson. We never received the card. I tried calling customer service but after being placed on hold twice for a total of 18 minutes, I got frustrated and hung up. I just want my money back.Desired Settlement: I'd like to get a full refund of $25 credited to my bank account which was used for the payment.

Business

Response:

We responded to the customer via written correspondence today.

Review: I have a fixed for life 2.99% APR on an existing balance since 7/**/2006. The balance on the APR of 2.99% was $3,416 in Aug of 2013. There was a charge of $1414.50 made on 8/**/13 under the standard purchase APR which was correct. I made a payment of $1414.50 on 8/**/13 to pay for this charge with a customer service over the phone and was told it would apply to the recent purchase and not the promo 2.99% APR. The opposite happened and the payment was taken off of the 2.99% balance instead of the recent purchase under the standard purchase APR. So now my 2.99% APR balance is approx. $1900 instead of approx. $3300 and my standard purchase balance is approx. $1300 after another payment. I made several calls to straighten this out on 8/**/13, 8/**/13, 8/**/13 and the company stated they will refund the initial payment of $1414.50 and it will go back into the 2.99% APR and then I can make the payment again once the new statement is generated to fix this mix up. 9/**/13 my new statement is generated and it still is wrong, it now shows the refund of the $1414.50 payment in my standard purchase APR and the promo 2.99% APR balance is still approx. $1900. Spoke to [redacted] id# [redacted] and explained the situation again for the at least 7th time. She said it should be fixed by Monday 9/**/13. I am not confident this will be done and in addition now have interest charges on a higher balance. My total current balance is $4669 with the refunded payment.Desired Settlement: I am not looking for anything for free, I just want my balances under the correct APR. I have had this card since prior to 2006 and have not ever ever been late. Total current balance = $4669 2.99% APR balance should = approx. $3320 standard APR balance should = $1349 Additionally I should get a credit for addition interest charged

Business

Response:

We responded to the consumer via written correspondence today