American Express Company

Review: I have a disputed amount for $3190.55 that involves fraud and non-delivery of any services or goods. Product_Or_Service: 2/**/13 Account_Number: Time shareDesired Settlement: DesiredSettlementID: Refund This matter has been ongoing for months.I need a credit to my account immediately.I have received no goods or services for this charge($3,190.55It is fradulent and should be removed

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:

Attached: Untitled document

12/**/13

American Express

Dear Sirs:

Thank you for your letter of 11/**/13. I am sorry it took a complaint to the Revdex.com to receive a letter that at least addresses some of the issues in this case. Your synopsis of the case, however, fails to address many important issues.

First, you are correct, I filed a dispute on 3/**/13. You sent a letter saying that you agreed with me on 4/**/13 and would credit my account, but I had to wait until 5/**/13 for a final answer. During this very long time (approx 66 days), I lost any ability to negotiate with the merchant as I had only 60 days to do that. I had no desire to negotiate with them after I received your letter saying you agreed with me and would credit my account. Your letter on 4/**/13 guarantees that if I did not hear from you by 5/**/13, I could consider this matter finalized. You penned a letter on 5/**/13 and mailed it that day. I received your letter on 5/**/13 and had already considered this matter finished. In short, you lied. In short American Express’s word is not worth the paper it is printed on. You require your customers to meet their deadlines with payments and when they don’t, you charge penalties, up their interest and lower their credit ratings.

Would not this apply to you when you missed your self-appointed deadline? Why do you not even mention this and totally “sugar coat” your corporate responsibility? Are you patterning conduct and playing linquistic gymnastics like our Washington leaders?

Several times you have sent the “merchant support” for the charges made to my account. Several times I have explained that this was fraudulent, as we had an oral agreement with them not to charge my account until we returned home. Also, I have offered proof from a lawyer and the internet that their contract was invalid and unenforceable. You say that I missed my cancellation deadline by a few days and therefore I owe the merchant the full amount. If I missed the deadline (just as A/E missed their deadline with me ) then the contract (invalid in my opinion) was still in effect. I have received absolutely no services or goods for this contract. In my opinion, this merchant does not deserve to receive $3,190.55 for a few pieces of paper that they call a contract. I have repeatedly tried to have American Express charge back this amount so that I would have a “level playing field” and could negotiate a new result. But you continue to enforce this

contract for your corporate friend, The Reef Club. Then you say (linquistic gymnastics) that you cannot dictate policies or procedures to your merchants. Why then do you enforce their contracts, which is precisely what you are doing?

Since American Express is only a billing agent, then please follow federal regulations and fulfill my request to charge back the full amount of $3190.55 to the Reef Club.

According to my understanding of federal regulations, I have one year to make this request.

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today.

Review: I got relocated from Texas to Minnesota in Aug 2013 and Hired [redacted] to transport my car from TX to MN but they picked up my car late from Texas without any reason and Delivered almost 4 days late in MN so I had to rent out a car from local dealer. Second and most important thins is Car was damaged when I received it in Minneapolis, MN and truck driver who delivered it said I was just asked to deliver and take remaining amount in cash. He said if you want insurance you talk to [redacted] but [redacted] said insurance was with driver. Driver was with [redacted] and they treated me very badly once they got the money. Driver forcefully delivered car and said if I don't take car today, he will take it back and dump it somewhere. I paid him off. I discussed with [redacted] they said they can't do anything. So why did they take 150 out of my credit card when there was no any service. I was out of money and with damaged car. I contacted american express for 150 USD amount and raised dispute but they are in favor of Merchandise without providing any documentation from Merchandise. They just sent out letter that we are closing this dispute case and that's it. I use American express because I trust them. If something goes wrong they are with me but I was wrong. I have been calling from last 4 months regarding my claim. They never called me and updated on that. I am very disappointed. Revdex.com Please help me out here. I don't know what Merchandise provided to American Express. I have the right to see those documents but they are not providing that docs. I don't think I am liable to pay 150 USD for nothing when there is no any service provided by merchandise.Desired Settlement: I need 150 USD to be removed from my credit card statement immediately so that I can close my AMEX account. I have no faith in them anymore.

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 got the credit back to my credit card but not any confirmation from AMEX whether this amount will be permanent to my credit card or is it just temporary. I am afraid to use AMEX for any online shopping purpose. I want to hear from AMEX about the nature of this credit of USD 150 in my account. I never had any like kind of issue before but this was my first time and I am so frustrated. I hope AMEX will understand the situation of mine and help me giving confidence that they are always with me if something goes wrong.

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 haven't received any written notification on this dispute from American Express. AmEx please call me to resolve this dispute

Sincerely,

Business

Response:

We responded to the consumer’s additional

correspondence via written correspondence to the address included in the

complaint on February **, 2014. The

consumer needs to allow 7 – 10 days for mailing time.”

Review: I HAVE A PREPAID CARD THAT A TRANSACTION WENT THROUGH FROM SPRINT. SPRINT MADE THE ERROR AND THEY CALLED AMEX TRYING TO RETIFIY THE PROBLEM.

AMEX IS HOLD 467.00 OF MY MONEY EVEN THOUGH THE VENDOR CALLED AND TRIED TO FAX OVER DOCUMENTATION STATING THIS IS A CANCELLED TRANSACTION. I WANT MY MONEY OR I SHOULD RECIEVE SOME KIND OF INTEREST ON MY MONEY BEING HELD FOR EIGHT DAYS.Desired Settlement: I WOULD LIKE INTEREST BECAUSE I COULD LOOSE MY JOB NOT BEING ABLE TO GET BACK AND FORTH TO WORK DUE TO AMEX HOLDING MY MONEY.

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:

Customer Service was not helpful or responding to the vendor Or professional. American Express held my money for akmost two weeks after the vendor called them and offered to send them a statment cancelling the transaction due to error.

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 [redacted], 2014. The consumer needs to allow 7 – 10 days for mailing time.

Review: I used my American Express Prepaid card for the first time on March **, 2014. The purchase I made was to the The Virgin Hair fantasy for 318.42. Now the problem is the company declined my card because the address on this American Express account didn’t match wear I was having it shipped to. So I went in and changed the address, I contacted the customer service department at American express and they were able to speak with the company and they explained that the funds will not be accepted until the address is corrected, American express refunded me back the money made sure my address was correct in the system to match my shipping. I contact the company again to make the purchase for the second time on the same day and they told me that it declined again because the address is still wrong in their system. At this point I’m extremely frustrated I have been trying to process this request for hours and work back and forth worth with the company and American express [redacted]money was declined and they can see it in the system they will not release my funds until Saturday. I have never dealt with a bank who doesn’t value their Customers’ needs, I understand the policy but this is not my fault at all this is because the first Manager told me my address update was all set and I tried again to purchase my item now I’m screwed. I have a Hair apt for a client this Friday and I purchase the hair for them once they provide me money. Now I cannot purchase the hair till the funds are put back in my account which this American express told me it’s pending but will not left till Saturday 3/**/2014. That is ridiculous and I strongly want this letter to surface to whoever is in charge of the return policy because Customer Satisfaction is NOT implemented at all. The fact that I have things to do with my money that is being held PENDING (Which I know from working at a bank can be released) is a sign of it being deposited back into my account for 8 days is unacceptable. I am reporting this to The Revdex.com as well as several websites for people to be aware of this scam this prepaid card is trying to pull with customers. Once I receive my money back I will purchase my product and cancel this card as soon as possible.Desired Settlement: I only wanted my pending transaction refunded back to me within a normal time frame even 3 days I could understand but 8 days. thats over a week and on the website the policy is 7 days. I just want my money refunded asap.

Business

Response:

We responded to the customer via written correspondence today.

Review: Despite their advertised "fraud protection" procedures, American Express allowed some person or persons to use my stolen Bluebird card number numerous times in Michigan, for the amount of $3958.96, the total of what was in the account. I promptly filed a dispute the same day the charges appeared, but was told I had to wait until they cleared. Two days later when they did, I had already started investigating the matter by contacting the merchants involved. American Express has not started their investigation as of today. I asked several times for proof of my dispute, and all I was told was that I'd receive an email today (which has not arrived), as well as an email 7-10 business days from today to inform me of the results of the investigation. Since AMEX has been slow to respond and failed to protect me from these obviously fraudulent charges, I have no confidence that they will conclude their investigation promptly. AMEX insists that they have "procedures" in place to conduct investigations, but apparently do not have adequate "procedures" to protect customers and their money.Desired Settlement: A full and immediate refund of $3958.96

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 was first told I'd receive an E-MAIL confirming my dispute, which I still have not received. To say that now they will provide a written response, shows inconsistency. Furthermore, they have failed to explain why their "fraud detection" systems failed to detect unusual account activity, which would've greatly reduced the amount of money stolen from my account. AMEX, in its negligence, has also not moved quickly to gather evidence in order to identify and catch the suspect(s) at large. I have taken it upon myself to contact all merchants involved, and the digital video recording of the transactions have been saved for further review, if and when AMEX decides to investigate this.

It is not my responsibility as a victim to do their investigatory work, nor should my funds be held while they delay the investigation due to the apparent inadequacy of that department.

AMEX also continues to refuse providing an audio recording of the dispute proceeding by phone which I have requested twice, only after they failed to provide alternative documentation such as a dispute ticket number.

Three days have passed and still no proof of the dispute, nor a resolution offered. This is completely unacceptable. AMEX has done absolutely nothing to show good faith in wanting to investigate this matter or to return my funds. If AMEX believes it is quite reasonable to document proceedings for their protection, then it is reasonable that they understand why a victim of a crime also wants to document proof for their own records.

AMEX has had more than enough time to investigate and confirm that I did not make those charges on April **. Their lack of concern could have otherwise caused a loss of evidence. Despite my overwhelming assistance in obtaining evidence, AMEX has been and continues to behave irrationally, almost to the point of irritation. The [redacted], [redacted], actually tried to block my voice when I tried to tell her the location, phone number and name of the individual who had helped to retain video surveillance of the suspect(s), according to AMEX's own records. It's almost as they want to delay the investigation on purpose.

I have already made it clear that if a detailed confirmation of the dispute is not received promptly and a resolution made to resolve this situation within a reasonable time, the matter will be referred to additional third parties. TIME IS OF THE ESSENCE.

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: I was advised by the American Express Serve customer account protection that I could not have two Serve accounts and one had to be closed immediately. On April *, 2014 I was advised that I would be issued a refund for $94.48, the balance on the card. I contacted the American Serve customer service several times and finally was advised by [redacted] that the check was already cashed. She very rudely asked if any previous representatives had mentioned it and I said no. I spoke with other representatives are and no one would resolve this issue. A [redacted] named [redacted] gave me rep ID [redacted] and transferred me to someone who she explained would reissue another check but nothing like this ever happened. I also called in on April [redacted], 2014 a [redacted] advised me to wait a little longer although the check should have already arrived. On April [redacted], 2014 I called back to inquire about the whereabouts of the check and was hung up on again as well.Desired Settlement: After over 5 hours on the phone with various customer service representatives and receiving such poor customer service I should receive the $94.48 refund check without delay and I should be compensated by American Express for the stress caused by the misconduct of their representatives

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:

[American Express Serve has not provided an appropriate response to the complaint. I have not been informed of any refund check being mailed as of yet. I spoke to [redacted] on Wednesday at 2:29pm who apologized for the poor treatment I received during my interactions with the representative mentioned in the initial complaint. However,he offered me a $25 credit for the inconvenience. Unfortunately since I have yet to receive the $94.48 I've been owed since 4/*/2014, I feel this gross misconduct and disregard on American Express Serves' behalf. I am not satisfied with the resolution. I would like to receive some type of consideration given the circumstances. American Express Serve should be reprimanded.]

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: This is unacceptable. I received $119.00 from American Express.

[Your Answer Here]

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

Review: I booked a hotel in italy called the Scalinata di spagna. The website showed it as a beautiful hotel and it was not even close. Everything was broken, furniture, air conditioner and when I complained to hotel they refused to give refund and there were bugs on the walls. American express says they stand by their guarantee of a refund or request a dispute to dispute the charge. American express is not hearing my complaints and shutting down my disputes after 24hr period. One [redacted] told me it was automated and tried opening it again. And like normal it was closed in 24hrs. This hotel was false advertising by coloring and airbrushing their photos on their websites to show how wonderful it looks but the photos are fales!!!!! And for American Express to have them as a merchant makes American Express guilty of the same thing. I want a full refund of $1,954.07.Desired Settlement: I want a full refund of $1,954.07. and would like the [redacted]s at American Express to make an effort to help the so called "memeber" customer they have.

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]

Amex is sending my disputes to their department that doesn't call or write to me directly. It simply goes over black and white lettering and finds one thing and closes my case. Every time I talk to a [redacted] one says there is nothing they can do and another [redacted] says this should be resolved in my favor due to Amex supporting a false advertising merchant.

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 May **, 2014 and June **, 2014. 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.

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 keep reading the remarks from AMEX and they refuse to refund my account and is siding with a merchant that lures in customers by falsely advertising its service. Amex is states that they protect their members but this is not true.

Sincerely,

Review: I called to cancel my credit card with American Express Costco True Earnings card. I had "cash back" available, and when I asked them to cash me out in February when it is normally done, they stated that per the terms and conditions, since I was closing the account, I would lose my "cash back". I then asked them to show me in the terms and conditions where it says that. They sent me a copy, and nowhere was that stated. The service rep on the phone could not locate it either. She then placed me on hold to speak with a colleague about the situation. When she returned she stated that it was in a separate set of terms and conditions that she was not allowed to send me, nor have I ever seen. I then asked to be transferred to a [redacted] who told me the same thing, and that I would have to speak to the lawyer about the situation.Desired Settlement: I wish to have American Express send me my cash back as agreed in the terms and conditions that were provided to me.

Business

Response:

American Express mailed our response to the consumer today

Review: Yes I had been in a homeless situation and I had no where to send my mail I had an account with the Bluebird American Express I receive SSI benefits and the customer service people has been keeping the rest of that money and I updated my temporary address online for them to see now there needing a form for me to fax showing I live there they don't need that I want my new card sent out there is money on there and they refuse to send what money is on there back to the Social Security Administration this is first they lied and supposely sent it out to my old address so I went as of yesterday to the post office in 90 degree weather and walked to go there and that card was not even there some of the customer service rep's need fired for lying to the customers and that money goes back in check form to the SSA office at once and I told them this all month long and they refuse to send it back to them I have to have that money I am getting ready to move and if they don't get it back will I guess we will see what happens when I sue them in small claims court then this is ridiculous and this company has bad reviews on them.

Product_Or_Service: Bluebird Prepaid CardDesired Settlement: DesiredSettlementID: Refund

I want a refund and my new card sent out asap if not then I will take them to court here in [redacted] then

Business

Response:

American Express mailed our response to the consumer today

Review: On October [redacted], 2014, I applied for and was immediately approved for an American Express SimplyCash Business Card. I signed up via this URL ([redacted])

The page advertises a $250 statement credit after $5000 of spend in six months. This offer is the reason I signed up for the card, and allowed a "credit check" that lowers my credit score and has a material effect on my options to apply for other competitive credit offers.

As is my custom, I contacted customer service within days after approval to ensure eligibility for this credit appeared on my account. However, I was informed it did not appear. The representatives "opened an investigation". Over the past two months, I have now called in approximately 4-5 times to find out the status. While the reps are courteous and have promised to "follow-up", no such follow-up has occurred. The offer is still clearly advertised on Amex's website, and I have retained a screenshot which I am happy to share as well.

I cannot understand why it should take more than 15 minutes to resolve this, add the offer to my account, and allow me to begin spending on that card to obtain the $5000 of spend that would make me eligible to receive the $250 bonus!Desired Settlement: I simply want the the offer correctly applied to my account, so that I will start using the card for purchases and reach the $5000 of spend that makes me eligible to receive the $250 statement credit. Given my previous positive experiences with Amex, I cannot fathom why I have not even received so much as a RESPONSE to my 4-5 calls over two MONTHS!

Business

Response:

American Express mailed our response to the consumer today

Review: I am trying to "collect" my AmEx points I have rightfully earned and they will not give me the full balance.

I have paid to be a member of the American Express system where you can earn points to buy things. I am switching companies and my account is now closed so I want to get my points, that I have rightfully earned, unfortunately they are unwilling to give me my full balance on a general AmEx gift card. I have 20,000 points= $200, they will only give $100 on a general card. They did offer a $200 card to a retail store but they won't give me one to the stores which I shop one example being [redacted]. So I have paid $75 for 5 years ($375) and now they want to give $100 back because their imposed restrictions.Desired Settlement: I simply want to be given a card for the full value of my points ($200) either as a general AmEx gift card or one with the full value to [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 have determined that my complaint has NOT been resolved because:

The response I recieved did not address any concern/question I had. At this time they are denying me any points whats so ever, even though I paid to be apart of the program for 5 years. Attaached is the letter which I was sent. I did go online to as it stated I should and it shows now I have no points.

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

Business

Response:

American Express mailed our response to the consumer today.

Review: For the past 2 months American Express has charged me a late fee. I have an impeccable credit history. I have been a valued member since 2008 when I applied for an American Express credit card through [redacted]. My payments are due the 6th of the month. To ensure that my second payment was received on time I personally mailed it from the U.S. post office in [redacted] on January **, 2015 so as to avoid any future late fees. While they waived the fee in January, they refused to waive the fee in February, claiming that it was processed on February [redacted]. I spoke with a supervisor by the name of [redacted]. She stated that they refused to waive this second fee and suggested that I make my future payments by phone. As a means of supporting the check companies and US postal service, I prefer to pay my bills by mail. I find it ironic that I have never had an issue with this company prior to the announcement of [redacted] parting ways with American Express. I am a demographic that primarily uses this card at [redacted]. I can't help but wonder if American Express is trying to squeeze the last nickel out of its [redacted] customers.Desired Settlement: DesiredSettlementID: Refund

I would like a refund for the late fee ($26.00) and interest that was charged to me by American Express ($19.66). I would also like to know if I am the only victim of their bilking practice.

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:

Given our excellent credit and payment history with American Express for the past 6 1/2 years, I do not feel that they have resolved the issue. Apparently it is more important to this company to nickel and dime the customers that pay off their monthly balances in full. I guess they aren't making any money and don't need our business. They tried to persuade me to continue to do business with them because they provide a cash back bonus from a [redacted] (which is discontinuing their business with them)...no thank you. I will put my money into our local credit union instead of this very disappointing big business.

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:

[Your Answer Here]

American Express has failed to rectify the situation. I have recently learned that the US Mail processing center was recently closed in [redacted]; resulting in all mail traveling for from the mid-west to [redacted] to be rerouted to another facility. I question whether or not this impacted American Express receiving my payment in a timely manner since my payment process has not changed since I became a member in 2008. The closing of this mail processing center coincidentally matches the late fees that I was charged by American Express.

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

Sincerely,

Business

Response:

We mailed our response to the consumer via written correspondence today. American Express considers this matter closed.

Review: American Express Plum Card Division contacted [redacted] ([redacted]) on or about July 2014 to establish a Plum Card Account with [redacted]. The initial response from [redacted] was that we were not interested due to previous experiences with American Express.

The agent indicated American Express Plum Card offered and unlimited credit facility with the caveat that either the bill was to be paid complete at the expected billing date or choose the option of paying 10% of the bill and defer the remaining portion of the payment for an additional 30 days.

[redacted] repeatedly asked the sales agent to confirm the following :

Terms of payments

Credit Limit

Under these circumstances, [redacted] elected to open an American Express Plum Account. All of the paperwork was filled out and sent to American Express.

[redacted] did not use the card for several months, in fact, was contacted by American Express in the August time frame with the request to use the card. It was suggested to [redacted] by the American Express agent to use the Plum card for all [redacted] expenses, including [redacted] and [redacted].

[redacted] elected to use the card on three occasions. The 1st was for approx $450.00 in October with the 2nd of $4500.00 and 3rd charge for approximately $4727.00 also in October, 2014.

The third charge was initially declined by American Express. [redacted] contacted American Express to determine the problem and were immediately switched over to a collections department. The American Express agent indicated that [redacted] credit history did not warrant the credit limit that was currently charged on the account. The agent demanded and immediate payment to be directly taken from our checking account. [redacted] indicated they could execute a check by phone fro $1000.00. The agent then required a "scheduled" "check by Phone" to be authorized for $3800 to be paid within a 2 week time frame or they would not approve the 2nd transaction. [redacted] did not have a choice at that time but to approve the scheduled payment in order to have the credit approved.

Under no circumstance did any sales agent indicate there was a credit limit to the account or this method of collection would be employed.....if we knew this was their payment method, we never would have opened the account.

Upon the due date of the scheduled with drawl, we requested that American Express defer the payment for 1 additional week. We were told that it was too late and the payment was already executed. At this point, [redacted] requested the account to be closed.

In November, [redacted] sent a payment for $4000.00 to American Express. This payment has never appeared on any American Express statement.

The total paid to American Express is approximately $8800.00 on a bill that was approximately $9600.00.

[redacted] contacted American Express in January to determine the whereabouts of the $4000.00 payment.....the agent only tried to speak "over" the [redacted] associate and dismissed the claim....the agent was specifically told there was an omission on the statement and that it was wrong.

In late January, American Express contacted [redacted] with the intent to set-up the company on another credit card program. [redacted] declined this offer and requested that American Express refrain from contacting us on these offers.

As of 2 weeks ago, [redacted] contacted American Express to obtain a complete statement from July 2014 to March 2015. American Express agent indicated that they would send out this statement and we would receive it as of last week. As of this moment, the only correspondence received from American Express was a notice that they are sending the account to a third party collections company.

Over the last three months, American Express has repeatedly called [redacted] main number and cell phone number, only to hang up when someone answers. These calls were made from 7:00am to 8:00pm an every day of the week including Saturday and Sunday

American Express has sent statements to [redacted] where they omit the $4000.00 payment and have charged and incremental $1600.00 in service charges over the last 4 months.Desired Settlement: Reconcile the account with the $4000.00 payment applied and remove the service charges to account...other issue to be discussed later after these items are completed. We also request that all of the recordings of conversations between American Express and [redacted] be released to the Revdex.com for adjudication.

Business

Response:

American Express mailed our response to the consumer today.

Review: American Express has placed UNAUTHORIZED inquiries on my [redacted], [redacted], and [redacted] credit files. I am a victim of identity theft and someone with my personal information attempted to open some type of financial account at your establishment. This individual used a mailing address in [redacted]. I do not live in [redacted], nor have I ever lived there. I have filed an appropriate police report of identity theft in my local jurisdiction as well as completed the [redacted] Identity Affidavit Form. I contact American Express on 2/** to resolve this matter and remove these inquiries. The unauthorized inquiries are dated for: 2/**/2015, 2/**/2015, 02/**/2015Desired Settlement: Please contact the appropriate credit bureaus and have these inquiries removed. I would like to receive correspondence via mail this is request is being processed and underway. Once inquiries have been removed I will close out this complaint as satisfactory.

Business

Response:

American Express mailed our response to the consumer today

Review: Let me start by saying I had high hopes for my American Express credit card, since I had previously heard good things about them. I had my American Express Blue Preferred Card approximately 3 months before I started having any issues. During the first month of attaining the card, I set up automatic withdraw. It worked fine for the first two times that it withdrew funds, then the third time, I received an e-mail saying that the payment was returned due to insufficient funds. I was extremely concerned considering the account that I had set up had over 10x the amount of funds in it than the withdraw amount. After speaking on the phone for almost an hour with various customer service representatives, they told me they would call my bank and then call me back. They never called me back. 2 days later, I called again. They told me to ensure that I had the proper amount of funds in the account by the time that they tried to withdraw again, to which I was asking the question, why would it not withdraw it the first time they tried since there already were the appropriate amounts of money in the account. They went as far as to call my bank as a three-way call and I listened as they checked the amount of money in my checking account and told me to wait until it drew it again. It wasn’t until I got a letter from my bank saying that the overdraft was coming from a mutual fund account that I realized that it wasn’t set up for the correct bank account. Considering that I had to specifically call my bank and talk to their mutual funds department in order to even find that account number, there is no way I could have provided this information. Why would it allow me to pull out of a mutual funds account to begin with? The terms specifically say the system will only accept a checking or savings account. I immediately changed the auto-payment options on my account so that it would withdraw from my actual checking account. Then, as I am active-duty military, I had to go out of the country for a week and a half. During that time, American Express website would not allow me to make the outstanding payment on their website, but I continued to get emails about the over-draft, as they continued to attempt drawing the funds from the other account, and not the checking account that I had corrected it back to. Being abroad, I couldn’t do anything about it. Upon returning home I called again, to which they finally allowed me to make a payment on the phone in the proper account. However, while I was gone they overdraw my account an additional 4 times, making a total of 6, costing me $174 in overdraft charges. When I talked to their customer service again, they told me they couldn’t do anything about the charges since it was part of their service agreement to contact my bank 3 times for the funds and that when I changed the account number, the previous attempts were still in their “loop”. These technical difficulties and the repeated failures of their customer service department to provide any sort of a solution have been a huge disappointment for me, and now I look to American Express to take responsibility for the troubles they have caused.Desired Settlement: I would like the $174 overdraft charges credited to my account, since despite multiple attempts to correct the situation, their company was unable to aid in correcting the issue before the charges were attributed.

Business

Response:

American Express mailed our response to the consumer today.

Review: Good Evening,

Please be advised that I ([redacted]) am writing this complaint on behalf of my father, [redacted] who held a AMEX Gold credit card, which since has been closed. Prior to closing the account, I had called to cash the points in the form of two separate gift cards which were said to be processed by AMEX consumer service, which are not yet received at the account address. I wanted to inquire regarding the status of the gift cards (total $70) if they were mailed out. The credit account was closed after the giftcard request was made so there would be no issue with forfeiture of the points as the account is closed. Please also note that I am currently deployed overseas so email is the best method of correspondence. Please advise. Thank you very much.Desired Settlement: Issuance of entitled gift cards as cashed out prior to account closing. Thank you.

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:

Good Afternoon,I received the mail today stating that AMEX is unable to speak with my son. I am authorizing my son, [redacted] to speak on my behalf with regards to my account. Also, I did not receive a phone call as stated in the letter. Please work with my son to get this resolved. Thank you.

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. The consumer may follow the instructions in our correspondence to address this matter further. We look forward to receiving this correspondence. Unless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.

Review: Several months ago, I was solicited via a mailer direct from American Express. There was a personalized offer with the opportunity to earn ~50k in points after spending a specific amount ($3 or $5k) within 3 months of opening the account. I accepted the offer by successfully applying for the card and meeting the terms (i.e., I spent the required amount within the specified time period) necessary to obtain the promotional points. When I called to inquire about the promotional points, I was told by two different customer service agents that I was not eligible for the promotional points because I had the card previously within the past 12 months. I find this completely unacceptable for two reasons:

1. American Express solicited me directly with the personalized offer. I did not seek the offer. They sent me a mailer offering me a promotion that I chose to accept.

2. At no point during the application process was I advised that I was not eligible for the offer that was made to me (and that I elected to accept). The promotional offer was the reason I applied for the card, and subsequently met the terms of the offer.

This seems like a classic bait and switch and has tainted my view of American Express as a reputable company.Desired Settlement: I would like American Express to honor the terms of the promotion by awarding the 50k points as offered.

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:

An offer was made to me by American Express for which I, unbeknownst to me, was not eligible for. I accepted the offer and proceeded to meet the terms of the offer. It should not be incumbent upon the customer to recognize that they're not eligible for an offer that was made via a direct solicitation (and then mutually accepted). If I was not eligible, I should have never received the offer in the first place, OR been informed once I pursed the offer (i.e., submitted the application which American Express accepted) that I was not eligible for the offer that was made. That never happened. This is VERY poor business practice and a pitiful way to engage with customers. It's sneaky, deceptive, and manipulative. AMEX understands the terms of their offers and has every opportunity to filter who they solicit, and/or make it clear when you apply that you're not eligible. They consciously elect not to do that which is shameful. They need to make this right and honor the terms of the promotion THEY offered me, not hide behind a "policy" and fine print.Had they been clear, honest and transparent, all of this could have been avoided as I never would have applied in the first place or I would have cancelled my card once I was made aware. It's rather pathetic that rather than recognize the error of their ways, honor their agreement, and easily/simply make good with a customer, they prefer to stand by a clearly shady business practice. I find that to be interesting commentary on their values and their view of the customer.

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

Sincerely,

Business

Response:

American Express mailed our response to the consumer today

American Express has promised "everything" and delivered "nothing"! Am Ex closed my account on Jan. [redacted] due to online credit card fraud. They promised a replacement card by Jan. [redacted]. By Jan. [redacted], still no card. Called them back and agreed to give it a few more days, still no card. Another phone call on the [redacted], was promised they would send a card via [redacted] or [redacted] and email me a tracking number. Didn't receive a card (now 2 cards enroute) or an email with tracking info. I called back again (4th phone call now), was promised I would "definitely" receive the card on the morning of Jan.[redacted] via [redacted]. Stayed home all morning cancelling everything I needed to do -- STILL NO CARD!! So to date, I have had to make 5 phone calls (totaling over 2 1/2 hrs on the phone), [redacted] has made 3 attempts to get a replacement card to me and yet here I sit on the afternoon of Jan. [redacted] with NO CARD!! This company is completely incompetent.

Review: I synced my American Express Serve card with my facebook account and signed up for the "spending $100 at Lands' End and getting $25 back" Offer in Nov. 2013. On 12/**/2013, I spent $ 100 at Lands' End Internet and got a confirmation email of "thank you for using your card". However, I have not received the credits yet. Please review my account, and you can see I signed up for several offers of [redacted], [redacted], [redacted], [redacted]' and the credits always automatically went back to my account. I think the reason of the missing "lands end" credits is because the transaction was not posted until 1/*/2014 (the offer expired on 12/**/2013). I called and was told that I need to wait for a dispute email to complete my request. I have not received it yet (dispute #[redacted]). I did not want to call again as I think Serve representatives are not trained about the AMEX Sync Your Card Promotion, although it's well known among representatives from other AMEX Card Departments. My order confirmation is attached.Here is the offer term and conditions:OFFER DETAILSGet a one-time $25 statement credit by using your enrolled Card to spend a total of $100 or more online at landsend.com ([redacted]) by 12/**/2013.TERMSOffer valid online only. Not valid on in-store purchases. Excludes gift cards, Lands End retail, outlet, and Lands End at Sears locations. If you order an item during the offer period but it is not sent to you until after 12/**/13, it may not count towards determining whether your purchase qualifies for the offer. Enrollment for the offer is limited. Limit 1 statement credit per American Express Card across all American Express offer channels. Statement credit will appear on your billing statement within 8 weeks after American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from the merchant until all of the items from your qualifying purchase have been provided or shipped by the merchant.Desired Settlement: DesiredSettlementID: Refund

a $25 credit is expected ASAP

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: AMEX refused to issue promotion credits associated with opening a new accunt

I signed up for the AMEX [redacted] Skymiles card with the following promotions 1 30,000 frequent flyer miles after spending $1,000 and 2 $50 credit after the first [redacted] purchase. I spent $1,000+ on my card 90+ days ago and made a [redacted] purchase 90+ days ago but I have not received either of the promotions. I closed a previous [redacted] AMEX card several years ago so I am well outside the 12 or 24 month new card member limit for the promotion. I contacted AMEX customer service a couple weeks ago and they said "You can keep Chat ID [redacted] as reference that we will apply a manual credit if you do not see it (the promotions) applied within 12 weeks". When I contacted AMEX on 7/**/2015 they refused to credit my account because I have a different AMEX card open that is not a [redacted] AMEX and said this disqualified me for the promotions. This was not in the fine print of the promotion and not mentioned in my previous contacts with AMEX. I cancelled all of my AMEX cards as a result.Desired Settlement: I want the $50 promotion and 30,000 sky miles.

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. The letter American Express sent had several factual inaccuracies but AMEX granted my requested remediation. I cannot recommend engaging in future transactions with AMEX until they fix theircustomer service model.

Sincerely,