American Express Company

Review: I applied American Express Premier Rewards Gold Card in Nov 2014, with the promotion offer that spend $2000 to get a 25000 bonus points.

When I activated the card, I specifically asked whether I'm qualified for the offer, I got the positive confirmation.

After I spent $2000, the bonus points were never showed up. I called the customer service, and was told that I applied the similar Card in 2009, and bonus points would not be issued.

I honestly don't remember I had applied the similar Amex Card 5 years ago. Even if I had the card, I believe Amex Reward Card's offers and terms have been changed over 5 years time period. More important, if I'm not eligible for the bonus, Amex should inform me when they approved the Cards, not after I spent $2000, without any notice. That practice is totally UNETHICAL.

In addition, I have never heard that any other Credit Cards company would not honor the offer due to some similar offer FIVE years ago. Even delinquency record would go away after 60 months!

I hereby urge the company honor its offerDesired Settlement: honor the offer, credit me the 25000 bonus points

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 haven't received the mail yet, and I don't see my account credited with any bonus points. As I have to respond to this message within 6 days (otherwise it would be assumed resolved), I would have to respond as NOT satisfied.

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]

The company's correspondence did not respond to my concern/complaint at all. I'm fine if American Express irresponsibly considers the matter closed, however the issue is NOT resolved.

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

Sincerely,

Business

Response:

The consumer's additional correspondence contains no new information to which American Express can respond therefore, no response will be sent to the consumer. Thank You

Review: I have been an American Express "member" for 22 years. During those 22 years I have consistently paid my bills on time. I recently paid a bill 8 days late. I was immediately hit with a $25.00 fee and my interest rate was cranked up to 27.24%. When I called to complain I was told they could change the interest rate but the customer service rep and her supervisor both flatly refused to refund the $25.00 late fee. The bill itself was only $65, so the late fee represented a 38% fee. When I told them that I thought the fee was unreasonable and if they could not refund I was going to cancel my account I was essentially told that they would be happy to cancel my account for me. I proceeded to cancel my account.Desired Settlement: Refund of late payment fees, and revision of current fee structure so that customers who miss payments by only a short length of time don't get hit with fees. I also think Amex should be prevented from charging such usurious interest rates.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I rented a car from [redacted] in Orlando, FL from Jan **- Feb *. [redacted] did NOT explain to me that I would be automatically charged for tolls - even on days that I did not go through toll booths. Nor did [redacted] tell me to NOT pay cash at the toll booths since I would be automatically charged. The charges started on Jan **. I was charged 1.50 twice - 7 minutes apart for 2 different booths. I DID NOT GO THROUGH ANY TOLLS ON JAN **. In addition to that, I was charged 1.00 on Feb * for a toll. I did go through a toll on Feb * when I was returning the car back to the rental agency, BUT I PAID $1.50 CASH TO GO THROUGH THE TOLL. In addition to toll fees, I was charged $4.95 per day that the car was rented for administration fees -for a grand total of $23.80 --- automatically charged to the credit card that I rented the car with.

With all of the identity theft cases, it's unethical for ATS to obtain my credit card information from [redacted] in order to automatically charge me for tolls that I know nothing about. Even though ATS policies are listed in [redacted] long rental agreement, [redacted] does NOT give customers the OPTION to pay cash for tolls versus having ATS assume that I will go through certain tolls. This is an unethical practice from both [redacted] and ATS.

When I called American Express to dispute the charge, I was told that AE has an agreement with [redacted] which states that certain charges cannot be disputed. This would be fine if the charge came from [redacted]. The charge in question actually came from ATS and it was charged to my card on 2/**/2014. I have spent the past 3 hours on the phone and on the Internet trying to dispute the charge with [redacted] and ATS. I know that American Express can provide a high level of customer service, but that is impossible when your policies allow loop holes such as this.Desired Settlement: I would like AE to change their policy to reflect that charges CAN be disputed, IF a customer does not authorize the payment with the company that is charging the account. I made the original rental agreement with [redacted], yet ATS obtained my card# from [redacted] and was allowed to charge my card. Not only is this an unethical process, but it further puts the customer at risk for identity theft. I also ask that AE put standards in place that require companies to meet certain standards before AE enters any agreement that states "specific charges can not be disputed." [redacted] does not respond well to customer complaints and therefore has a poor Revdex.com rating.

Business

Response:

We responded to the consumer via written correspondence today.

Review: My husband is not happy with American Express-Bluebird. He says the company sucks, and are not doing their jobs. We have to call in all the time and get treated like DIRT. We always get hung up on never get satisfaction for our calls. This company BLUEBIRD AMERICAN EXPRESS needs to be shut down. Whatever they want to hear and does not give the customer a chance to speak, and will always hang up on you. This company needs to be shut down and reprimanded. My husband has 5 checks he needs to stop payment on and they are telling us it is going to take 8 weeks...BULLCRAP!!!!!!!!!!!!!! This should only take up to 3 days MAX!!!!!!!!!!!!!!!!!!!! He has tried to stop payment on these checks and for some reason it has turned into a dispute. How can it be a dispute if we have the checks!!!!!!!!!!!!!!!!Tht is the problem they do not listen, nor do they care. I am surprised they are still in business...THEY SUCK. SO what they told my husband is that it will take 8 weeks per check to be resolved....BOLDERDASH!!!!!!!!!!!!!! Well lets see this is approaching 40 weeks, well why not add 12 more weeks and MAKE IT A YEAR!!!!!!!!!!!!!!! There is no excuse for any of this and I want refunded ASAP! I want the money put back into my BLUEBIRD acct ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ Settlement: I want the money totaling 345.00 put back into my BLUEBIRD ACCOUNT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ />
Business

Response:

We responded to the customer via written correspondence today.

Review: I have a prepaid card with American Express that I recently chose to have my payroll check directly deposited on. On 12/**/2015 I went to a local bank in my area to do a counter withdrawl (to avoid the ATM fees) of $700 and the transaction was declined twice. I had more in the account than I was requesting and was unsure of why it would have been declined. At the time I had a legal document I had signed with my apartment management company that I would pay my remaining balance that day by 6pm so this transaction was absolutely time sensitive. After that, I used the bank's atm to try and extract the funds from the account. The atm charged me fees that I had agreed to and then it told me at the very end on the last screen that the transaction had been cancelled and that I needed to contact my financial institution. I then proceeded to go back into the bank and spoke directly to the branch manager. I was told the same thing that I needed to contact AMEX. I called with the branch manager present to try and get an answer as to why this happened. The AMEX representative told me (on a recorded line) that it was due to a system wide glitch and that my account would be adjusted along with the fees I was charged by the atm ($7.50 total) within the next 4 hours that evening and not to worry.

The very next day I checked my account and still the adjustment had not been made at this point. I contacted AMEX again (to which I sat on hold for 96 minutes before even getting a live person on the line) and was told that it would be 24 hours and the account would be fixed. At that time the supervisor I spoke with also submitted a dispute at that time and assured me the claim would be expedited and that there was nothing to worry about. I explained very thoroughly that I had a remaining balance due to my apartment complex and that because my money was not available to me at the time that I could potentially receive an eviction notice and that it was highly imperative that my account be resolved right away. I was asked to fax in a copy of the receipt I had received to [redacted] and attention it to the PREPAID DISPUTE PROCESSING TEAM. I immediately went to [redacted] and faxed that in, which I had to pay for that transaction as well. The supervisor at that time acknowledged my concern and again he assured me that it would be handled promptly,

12/**/2015 I was forced to borrow the money to pay my phone bill because I had no other way of contacting AMEX again to follow up because according to AMEX'S online system my funds still had not been returned. At the time of my call on this evening, I was told it could take a max of 10 days to be resolved. I explained again that I could be put out on the streets with my children and that there was no other resource available to me to borrow the funds in the meantime while this is sorted out. again, the supervisor at the time acknowledged my concern and the fact that I had to borrow the money to pay my phone bill and issued me a $25 credit to the account.

12/**/2015 I called and was told that it could take up to 10 days to have account fixed and again there was nothing to worry about. shortly after I received an email from AMEX requesting the documents again and that I could send I through their online encrypted email. I did that as well and that time I re-sent my original fax (that also had a handwritten statement from me on it) along with a copy of the atm receipt as well and also with the wo over the counter decline receipts (which happened exactly four minutes from the 2nd try the bank teller attempted to do the cash advance). I included my contact information and asked that someone from the dispute team contact me immediately as I am at jeopardy of losing my apartment and potentially becoming homeless and being forced to pay court fees. I received an eviction notice from my apartment management company as of 12/**/2015 informing I will now be taken to court and will have an unlawful detainer put on my background due to non payment of my remaining balance for my rent.

it is now 12/**/2015 and I am currently on the phone with AMEX as I type this complaint and have been on hold with them for 1 hour and 10 minutes as of this very moment. I have spoken to the branch manager this morning and she did indeed confirm that when their atm was calibrated this week, there was a $700 overage and she asked that I contact AMEX and have them to do a conference call with her on the line to see how fast we can have the funds credited back to my account. I have explained this to the representative and and I am bein denied that opportunity. No one is allowing me to speak with anyone above their pay grade about the situation and now I am being told it could take up to 45 days for me to get my money back. This is by far the worst experience I have ever had using any financial institutions services and I have been told so many different things since 12/**/2015 that it is depressing that I even have to go through this. I have accrued additional debt and not to mention an eviction notice to which I personally feel AMEX IS definitely responsible for being that my account has not been resolved at this point. I was also told that every customer that experienced this same thing, had been credited on the evening of 12/**/20155. At this juncture I am willing to contact the media and expose AMEX for their unfair business practices and for their lack of customer service in doing what is right. I feel that AMEX should compensate me for the monies I have been forced to borrow within the last 8 days to be able to get to work and school because had they fixed my account on the [redacted] of December as I was initially promised, I would not have this problem. Now they are refusing to contact the branch manager of said bank (as she is graciously requesting) and I have been left on hold. And i'm also currently being told there is no one else to speak to me at this point.Desired Settlement: I would like to have my $700 credited back to my account and also to be reimbursed for the unnecessary debt I have accrued within the last 8 days not limited to my eviction fees and potential moving costs.

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 do not see a response on here from Amex, only that one has been sent so I assume I should be receiving something by [redacted]. However, My funds still have not been adjusted to my account so as of today (01/**/2016) my complaint still has not been resolved. The dispute team for Amex has not properly contacted the bank involved (even after the branch manager has confirmed that it is a valid claim and provided her direct contact information for the dispute team to follow up to get the case expedited). Also, the case has been closed a total of 3 times now and I have had to have them to reopen it 3 times. This is a $700 claim that is legitimate.

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. If you have any additional questions, you 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:

there was no new information requested from me. As a matter of fact, the letter that was sent only stated the case was re opened which was because I called and had them to re open it because it was closed and it should not have been. As of today I have received my adjustment back on my account so the fact that you have chosen to respond this way further shows me that no one has taken the time to communicate regarding my account and again this is another general response.

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

Sincerely,

Review: On May [redacted] 2015 I made a payment to my American Express [redacted] Card for $125.00 , the minimum due was $72.00. I also increased my payment from "Minimum Payment Due" to "Other Amount" $100 in automatic bill pay. I knew I would not be making any further charges on this card until I had paid my balance down some so this safe fixed payment option would be safe. American Express charged a late fee of $38 claiming that the payment did not post until the 23rd. I called to contact customer support and they kindly reversed the late fee of $38 for June. Through some [redacted] changed my minimum payment due from $72 to $107. This caused the $100 payment in June to create a late fee in July for another $38, which caused a late fee in August for another $38. I called customer service to explain this problem. The representative refused to do anything about it claiming that I was not enrolled in "minimum balance payments", but a fixed amount and I would have access to my online statements and should have made additional payments. American Express does NOT comply with the CFPB CARD Act in clearly stating the interest payment charges for minimum payment only option or a statement of late fees on any pages leading up to the Manage Auto Pay Screen Non compliance with CARD and forcing a choice between poor payment options of Fixed or Minimum amounts left my automatic payment vulnerable to late fees or high interest payments.Desired Settlement: Reverse late charges of $38 for July and $38 August. Create a payment option that allows for an additional automatic payment over the minimum balance each month. For Example an additional box under the Minimum Payment Due option where a card holder can type a dollar amount to be paid towards the principle. Include a dynamic calculation based on the additional payment to show the savings in time and interest. This is the transparency that was intended with CARD and DODD Frank legislation. Do not continue to make up late charges, use [redacted] to calculate new minimum payments and then deliver poor customer service that is encouraged to keep financial trade secrets from the public and haggle over keeping a $38 late fee for an hour.

Business

Response:

American Express mailed our response to the consumer today.

Review: I have two accounts with American Express. I have sent payments that AX cashed but took 4 months to post to my account. The charges on one account are paid, but posted to a different account as unpaid. I have attempted to resolve for 7 months since December 2013. I had a credit card issued I did not request, a merchant account opened that was closed in good standing (paid in full) not at my request that took three moonths to close. My credit rating destroyed by American Express sabatoge. Both AX and I victimized by post office not delivering mail or loosing mail. Charged for reward points I never requested without my knowledge, yet a costco card with lesser standing not charged for reward points, receive at no cost when gold card charged for same program, lied to by American Express agents or employeesDesired Settlement: FIX PROBLEMS with invoicing and balance on gold card account

Business

Response:

American Express mailed our response to the consumer today.

Review: Hi,

I was recently sent a letter stating that I was late for a payment. The bill date was on May **, 2014, a Sunday. The payment arrived on May **, 2014 (the next business day after a holiday/or weekend). There are clear rules for credit card payments that occur on a Holiday or weekend. American Express is in clear violation of these rules. On February **, 2010, new credit card guidelines went into effect . The rule states " if your payment due date is on a weekend or holiday( when the company does not process payments, you will have until the following business day to pay. I called American Express on May **, 2014, and spoke to a customer service rep. She stated that American Express follows its own guidelines and that my payment is late. I wanted to speak to a supervisor but she was not going to allow that, because it would be a waste of my time. The Rep's attitude was flippant and unconcerned. The credit card rules regarding payment has been in place since February **, 2010. Thank you for your time in this matter.Desired Settlement: A refund to my credit card, a letter from American Express explaining I was not late for a payment and my credit score to reflect the error.

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 a response from the company as of yet. This matter is not resolved as of this email.

Sincerely, [redacted]

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

Business

Response:

We responded to the consumer on June **, 2014. While we appreciate the consumer's feedback, the consumer's additional correspondence contains no new information to which American Express can respond. Thank You

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:

Hi [redacted],

After receiving the American Express letter and their response, my response is as follows:

Based on the law they are in violation of late fees charged due to late payment. (If due date falls on a holiday or a weekend and the bill is paid the next day it is not considered late). In my case, due date falls on a Sunday May **, 2014 and was paid on a Monday, May **, 2014. This was acknowledge in the letter, American Express sent to my residence. The law has been in effect since Feb 2010. I want late fees charged and interest refunded and a letter stating I was not late and credit history to reflect their error.

Thank You

[redacted]

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

Sincerely,

Review: in First week of February, a sales person from American express called me to sign up for a new business gold reward card and offered 75,000 points if I make $10,000 in purchases in the first 4 months. He said he will waive the first year fee for the card for primary and additional cards. Here is the summary of my bills for the first 3 months

March 2015 statement - $4,065.65

April 2015 statement - $3,784.95

May 2015 statement -$4,639.18 (due to be paid and will be paid on time)

when I contacted on May **, 2015, American express told me since I already used this offer earlier I am no longer eligible. If that is the case, why did they contacted me to sign me up? It is cheating on Amex part. I wasted 4 months by holding this card and putting all our business transactions on this card.

because of this, I closed 2 accounts (because I don't want to do any business with Amex) and I lost all my rewards.

Lost 15,938 rewards on [redacted] American Express gold card

Lost 13,478 rewards on [redacted] Amex open card

american express (address on the credit card statement)

[redacted]Desired Settlement: As per the promise, Amex needs to give us 75,000 points. Also they should give me the points I lost when I closed both accounts.

Lost 15,938 rewards on [redacted] American Express gold card

Lost 13,478 rewards on [redacted] Amex open card

Business

Response:

American Express mailed our response to the consumer today.

Review: I signed up for the [redacted] Skymiles American Express card in early December, due to a promotion advertising 35,000 miles to platinum members who spend $1,000 in the first 3 months. I spent this amount of money, and called to check on the status of my bonus miles. AMEX is trying to claim that that was not the promotion that was running, and only credited me 10,000. This is incorrect (I have a screen grab of the promotion in question). I asked them to resolve this issue, which I was told would take 6-8 weeks and I would hear back from them. I never heard back, but had to call in myself. They told me that the issue was still unresolved on their end and that I should call [redacted] to find out. When I called [redacted], the rep laughed and informed me they have no way of tracking who earns the miles and that AMEX was likely giving me the run around.

After this, I contacted AMEX again, to which they told me, their files claimed the matter was resolved and I was okay with their original explanation of a non-explanation. This is/was entirely untrue. The man told me, on March [redacted] he would reopen the inquiry. The issue is STILL NOT resolved. I do not have my bonus miles and no one with AMEX can give me a solid answer as to what is going on. It is obvious that they do no want to honor their promotions.Desired Settlement: I want my promised bonus miles.

Business

Response:

American Express mailed our response to the consumer today

Review: I came into financial hardship last year. In order to address this, I closed my American Express account and cut up the card. I continue to make payments to American Express, but my hardship has gotten harder. I have recently signed an agreement with a non-profit debt solution organization which was recommended by my credit union. To consolidate my debts, they need information, including account numbers, about each of my debtors. After two calls to American Express, they continue to refuse to provide me with my account number. This account number is required by the debt solution organization to complete the process. Since I cut up my card, I can not provide it to them. It is critical that I get this in order to resolve my situation and pay all of my debts. American Express absolutely refuses to help me.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I just want them to tell me my account number so I can use [redacted] to pay my credit credit card debt off in a way that accommodates my financial hardship.

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]

American Express still refuses to provide me with my account number and the debt solution company that I am working with cannot do anything for me without the account number.

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

Sincerely,

Business

Response:

American Express mailed our response to the consumer today.

Review: AMEX Assurance Company connected to American Express is an accident protection plan. My now deceased spouse and I have paid monthly on American Express acct for coverage for many years. Spouse died [redacted] years ago and I called them to take him off policy. I have my own American Express account and was supposed to continue my accident coverage with AMEX. I have been making all the payments for my policy on time. Then this week I received a letter postmarked FEBRUARY**, 2015 that my policy was cancelled JANUARY**, 2015..withour prior notice of cancellation!! I called them and they stated THEY MADE A MISTAKE when I called to take my spouse off policy and just have mine --- stating they did not read the disclosure policies to me at that time. I said okay so why did they not send me a pre-cancellation notice and re-enroll me right? They informed me that there no new enrollments being made at this time. They did say they would return some of my payments. I am upset about this whole situation. I was uncovered for a while with no knowledge of it and the notification came after policy cancellation.!! Now refused to re-enroll me because they are doing a policy review.. This not reputable business practices and not legal practices.. they admit they make the mistake and they are just dropping their costumers quickly..

Account_Number: acct ending [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I think they should be cited for cancelling without notice and for letting me thin I was covered when I was not!!!!! Then they refuse to re-roll me and make up for the inconveince

Business

Response:

American Express mailed our response to the consumer today

Review: Website has conflicting info on who can receive bonus miles: 1. Cannot receive if had product in past 2.cannot receive if had product in last 12mths

I had been receiving offers from the credit card saying that I could get 30,000 bonus miles from [redacted] if I sign up for the Gold [redacted] Skymiles card from American Express. On the website ([redacted]) there is conflicting information on who can receive the bonus skymiles. At one point it says: "If we identify you as currently having an American Express�® Card account, you may not be eligible for this welcome bonus offer. This offer is also not available to applicants who have or have had this product." But, by scrolling down it says: "Welcome bonus offer not available to applicants who have or have had this product within the last 12 months". I assumed that I could receive the miles since I haven't had the card in the last 12 months. However, when I inquired about it, the workers just kept citing the first clause and ignored all of my inquires about the second. This infomration was taken from the website on 2/**. I was completely mislead by the advertising and would not have signed up for the card if I would not receive the bonus miles.Desired Settlement: I would like to receive my bonus miles since it was advertised that I could do so.

Business

Response:

American Express mailed our response to theconsumer 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 did not receive any correspondence from the business as stated. How did they try to contact me?Thanks,

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

Sincerely,

Business

Response:

American Express responded to the consumer by mail in correspondence dated February**, 2015. The consumer needs to allow 7-10 business days for mailing time.

Review: I received an email that our credit line was lowered from $21,000 to $1,000. I call a few times and no one would do anything about it. We have been with them since 1996 and have no late payments, no balance due, etc. I explained that we have moved into a new house and used some of our other cards to re-model, etc. Not a big deal. No we are paying them off. They said the debt ratio changed on our credit report. No kidding. We have never had a late payment on any cards. Now because of what they are doing, our credit score will go down. This will damage our rating and they are doing this to a customer who has been with them since 1996 with never a late payment. We are being penalized for now reason at all. This is just nuts. They are being robots and following what there computer says rather than looking at a long time customer with a perfact record. They at least just could have said not to use the card for a while. That would have worked. Instead they damaged our rating for being a good customer.Desired Settlement: Re-instate our credit line to where it was before. If you are concerned about the use of your card then we can agress not to use it for a while. Don't penalize and long time customer with a perfect credit history.

Business

Response:

We responded to the consumer via written correspondence on November **,2013.

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]

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:

We were never contacted and given any help to resolve our situation. I called a few times and only got people out of the country that would read me something from a script. Never got any real help. Contact phone is: [redacted]

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

Sincerely,

Business

Response:

Consumer has not provided any new information, therefore, American Express considers the matter closed and no response will be sent to the consumer.

Review: My name is [redacted]. I am a nurse, master's and doctorate prepared and faculty member of UT Health in Houston,Texas.

I have been a member of American Express since 1991. I have never experienced a problem of this magnitude so I am writing for your assistance. I am in complete disbelief that the dispute resolution team has failed to examine the evidence in my favor and instead has credited a fraudulent vendor.

I have exhausted my efforts with the American Express Dispute team (twice) and have since hired an attorney but can no longer afford to pursue an out of state vendor.

I will briefly explain my plight as it resulted in a significant charge of $3,050 in favor of the vendor for merchandise that I do not possess nor did I authorize.

Prior to December **, 2012, [redacted] dba Danforth Fine Used Saddles or SQUARE- was given my credit card for deposit purposes only in an effort to trial various used saddles she had in her inventory. The verbal agreement was that the card would NOT be charged until a saddle was delivered that was a suitable fit for my daughter. ON 12/**/2012- [redacted] signed MY NAME and charged my credit card with the promise to 'find' us a saddle that would work for my daughter. All saddles she sent were returned and after the fourth attempt- I requested she refund the $3,050.

I provided evidence to American Express in the form of an email stating [redacted] of Danforth Saddles had put the refund 'through' in April. I also provided evidence that the signature on the bill was not my signature. By the end of May 2013, there was still no refund. I also provided my American Express bill of the last saddle shipped back by the USPS.

I attempted contacting [redacted] via text, email and facebook to no avail, noting her address had changed and also noting other individuals on facebook had had similar problems not only reaching her, but not receiving merchandise they had paid for.

After the 2nd dispute filed with AMEX that was declined noting I needed to contact the vendor to resolve, I contacted an attorney in December 2013 to prepare a letter (attached) to send demanding refund of unauthorized charges. They were returned from both addresses she had listed. I have the attorney's letter and copies of the returned envelopes demonstrating my attempt to seek justice and contact her.

I am hoping you can look into this matter more carefully, evaluate the evidence and request that AMEX refund my account the $3,050 that I have been erroneously and fraudulently charged with no merchandise to show for it. I just can't believe I am being penalized as a long standing member for something so apparent.Desired Settlement: Refund my credit card the amount debited, $3,050.

Consumer

Response:

Above are the letters written by attorney (hired at my expense) b/c AMERICAN EXPRESS did not thoroughly investigate the fraudulent vendor and the returned letters from the vendor in my attempt to rectify the issue.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I signed up online for car rental protection while on vacation in [redacted] in July of this year. I then called and canceled said insurance after the rental was over . I was then billed 19.95 for this canceled insurance on November[redacted]. I would also like to add that even if I had the insurance in effect the rental did NOT follow the rules of the insurance. It was reserved on a business credit card originally and only changed to my American Express AFTER the fact because I drove through some local tolls that did not need to be billed to the Business MasterCard account. I have disputed this twice though the website and received two canned responses that insult my intelligence! Also, after further looking over my bill it appears I was charged 19.95 on another occasion on October[redacted].Desired Settlement: I expect these charges to be refunded and to receive an apology if you want to continue to keep me as a customer who spends in excess of $60,000 per year on the card and always pays the bill on time. I am sure other credit card companies would be happy to take me on as a customer if you are unwilling to resolve this matter!

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 letter sent to me is no different than the two prior letters I have received in the past. I cannot believe the lengths American Express is going to defraud me out of close to $40 dollars!!! This service was CANCELED in early July after I used it for the one rental (which I am not disputing). It is the two rentals AFTER that which are under dispute. My next complaint is going to be with the [redacted] for credit card fraud and perhaps legal action if it comes to that if this does not get resolved soon. I was defrauded and billed for a service I canceled and this matter is as simple as that! Please see this is forwarded to someone who actually cares enough to call me and talk about this at the least. Form letters saying pretty much the same thing are an insult to my intelligence!

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.

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 latest letter is no different in any others they have sent. They refuse to even meet me half way. I guess according to them they can not ever make a mistake. I even have phone records showing I called them so I know I am right on this beyond a shadow of a doubt. In the latest letter they even said they will ignore all future correspondence from me. Please notate in their Revdex.com record that they did not make a good faith effort to resolve this grievance even though I have tried all avenues to reason with them. They won't even have anyone who can actually make a decision call to discuss. I suppose my next step is binding arbitration. Such a shame to have to resort to that over so little but my motive is purely in principle to not let them steal from me.

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

Sincerely,

Review: Earlier this year I was handed a brochure in [redacted] for the Amex True Rewards. I was actually handed two, one which said there was a $75.00 cash back offer, in the form of a statement credit and the other said $55.00. I did not have the time to complete and asked if I could just do it online and would it be the same thing and was told yes. I later applied for card and one was sent. I met all of the criteria for the statement credit and when I did not receive it and went to my local club they reviewed with me the terms and said since it was not a business True Earnings card it would be $55.00 back - well in either case, I had not received anything. To recap, they checked that I was an executive member prior to applying, I had not received the offer before, since this was a new card/welcome offer, I made a purchase of over $250.00 in less than 90 days and had waited more than the 6-8 weeks and my account has always been in good standing. They then suggested I contact the 800 toll-free customer service number. I did in early October (and have the name written down, but am in the process of locating that information again) my account should be noted, because the representative took all of my information after she verified the account and went over everything again and also confirmed I met all of the criteria. She said that she would put an inquiry into the system and I would be contacted. She was sure there would be no problem and the issue would be resolved and I would be issued the statement credited that I qualified for and never received, but that department was the one who would have to process that. It is now over two months later and there has been no statement credit to my account of any amount $55.00, $75.00 or otherwise. No one has also ever called me. I am disappointed because not only did I ask before hand and after, then contacted the call center after going back to the warehouse, then what was told to me never transpired--not any of it. The ball was seriously dropped here and I would like to believe it is just a poor lack of follow through and not deliberate bait and switch. I have given plenty opportunity for this to be address and that is why I am now writing the Revdex.com for further assistance and plan to also forward this complain on to other agencies, since I now have to take this additional time to repeat the process all over again to duplicate this effort in hopes that I finally get the just resolution per term offers for the card when I first applied and also spoke with agents who represent American express, both in the [redacted] Warehouse and also on the phone.Desired Settlement: Besides the $55.00 statement credit I should have received back in early October, for which I have waited double time to get, I think American Express in all fairness should double the amount of the original offer in good faith to prove that they really did not set out to intentionally keep from honoring their terms, which I was repeatedly told, as well as advised I would get a call back and have the matter corrected more than two months ago, which also never happened. It makes me wonder how many several hundreds of customers or more this happens too and that is all money they keep. I plan to request that this is looked into further, since it happened to me, there is a high probability this is happening across the board, which would be dishonest and stealing from customers after enticing them to sign-up with the offer that you never follow through to give.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

I have not reviewed the response made by the business in reference to complaint ID# 9843050, because they have only send an electronic notification to say that their actual response is coming via written communication--which I can only speculate is via (snail) mail...since It was stated I have only 6 days in which to respond and this is the week of a holiday--Christmas holiday to be exact, I did not want to take any chances on having the time lapse and having no idea what if any resolution might have potentially been proposed; last I called in about this matter in October, I was told this would be fixed/resolved/corrected and someone would get back to me, yet no one ever did. It took me writing your organization to get even this much of a response and as we can see...there is still little here to go on, until the delay has finally passed and I have eventually received this written correspondence, hopefully something before the end of this current 2013 calendar year - at which point, I can better make a determination as to whether or not this issue is resolved and/or have determined that my complaint has NOT been resolved because:

[Until American Express honors either the written $75 statement credit business offer or the $55.00 one, this issue will not be resolved - irregardless of what verbiage is colorfully painted in their slowly arriving "written correspondence"...this seems like just another stall tactic. I have had this account since June of this year and according to the terms of the statement credit-all of which I met, making the purchase withing the allotted time and for well over the amount and already being a [redacted] Executive member in good standing etc.... all of this also verified by American express back in October when this was little oversight was suppose to have been finally handled and corrected but never was and no one followed through to call me or anything. Because and in light of all of this, I feel that I should be compensated in addition-above and beyond the $55.00 per the representative based on the Membership I have. Since this is a credit which after 8 weeks should have been applied to my statement as a credited - that would have been in early/beginning October, this is now end of December almost another two months later. I think $75 is generous of me to even accept - when in all good faith, I feel more should be done to make up for this sleight of hand...doubling the $55.00 ( at$110.00 seems more appropriate to reparate this matter of concer)]

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

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

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'm rejecting their response based on past experience, for starters they never attach their response other than to state it's being mailed. By the time that is received it most likely would exceed the allotted timeframe to respond accordingly.

So far all they have done is stall, by taking their time to respond and when they do at the last minute, all it is, is further stalling to notify that the "actual" response, still has yet to come and when it ends up arriving it still has not made any attempt to honor their original advertising and also supported verified statements made by several representative when calling in who also agree, I should have been credited at least the $55 dollars.

Clearly, this will have to be further mediated and perhaps also taken to the office of the Attorney General and Consumer affairs and FTC for fair credit practices and other deceptive tactics used by such a baited offer which fell short of them following through!!

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

Sincerely,

Review: American express refused to credit my account and refund me $172 for a transaction I dispute

They made me wait 2 weeks to tell me that they were not going to refund me

If you dispute a transaction $25 or less they won't give you a hard time but but $30 or more they will tell you that they will refund you no matter what the amount is they tell you your money is insured but I believe that is a lie

All the time I was with American Express serve any amount over $25 they did not credit my account any amount under 25 they credited my account and you do not get cash back you cannot get cash back using this cardDesired Settlement: Refund. They refused and still have not gave me my money back and it has been over 90 days

Business

Response:

American Express mailed our response to the consumer today.

Review: AE has gone from the first card I wanted and acquired in 1981 to one I will opinion against for the rest of my life. As a DoD employee, unresolved charges can impact my clearances and ability to work Travel and Leisure (T&E) $47.03 charge #[redacted] May ** 2013 showed up on my June 2013 statement. I had not requested the magazine. I contacted the card billing who said they could not resolve, had to hand me to T&E who said they would credit back and resolve. This did not take place- on ** June I contacted billing again who then again bounced me between AE and T&E - same routine- frustrated and upset about the automatic charge I cancelled card ending [redacted]. I was told the charged would be credited back and my bill would be resolved. August bill arrived again with same balance due- problem not resolved. Once again I contacted AE and was bounce between AE and T&E, I forced them to keep both on a 3 way call to resolve- (originally told me they could not do conference calls). Once again I was getting no satisfaction that AE could talk to another part of AE- The members found the charge and I was told credited the charge back, and the next bill should show $0 balance. I cancelled my Corp and AE --[redacted] and [redacted] with [redacted] on 8/**/13 Sept ** 2013 I opened another bill for $47.03 from my cancelled "resolved" account. On Sept [redacted] at 0550 Hawaii Standard Time I called and spoke with [redacted] who could not resolve the issue, I requested a supervisor, [redacted] passed me to [redacted], who after I asked admitted she was not a supervisor. I demanded a Supervisor and was passed to [redacted] who said she was a supervisor- but said she could not help me because she was in the "Book department" not the magazine department. Only thing she said she could do was connect me to the magazine department. I was passed to [redacted] in the travel and leisure mag department. [redacted] said he would cut me a check send it to me and then I would have to pay the bill. I said that was not acceptable and asked for a supervisor. He said none was available- I pressed that I was about to go to the lawyers and this would end up costing AE/T&E easily a hundred times the cost of this errant charge if I didn't speak with a supervisor. Magically a supervisor was now available- [redacted] is what she said her name was. She asked me for specifics from the account and charge- I did not have those in my possession at the time (only the past due bill which does not have the prior charges) She took my name, email and address to research and promised me resolution. I have no expectation of a solution based upon last three months of dealing with this "simple" one transaction error and from the condescending tone of her voice I felt she was insincere and would likely drop any notes if she actually took them in the trash can. On 9/**/13 I cancelled my Optima Card with [redacted].Desired Settlement: Travel and Leisure and American Express resolve the charge and outstanding balance issue on the credit card WITHOUT me having to receive and cash a check from Travel and Leisure and then turn around and write a check and mail it to AE. None of this snafu is my fault. A manager/VP from T&E should be able to contact a Manager/VP from A&E to resolve completely and finally. I also request a letter from AE and Travel & Leisure starting this issue is resolved and there is no outstanding balance.

Business

Response:

We responded to the consumer via written correspondence today.

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

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

AE resolved the problem as requested, and more. [redacted].

Sincerely,

Review: Worst customer service by the "service excellence managers" and rip off of loyal customers.

I am writing regarding a travel reservation we made through American Express Travel. This was a trip from FLL to DTW (trip ID: [redacted]) for the Labor Day weekend. However, plans changed and we had to decide if we wanted to cancel the plans. So, in order to make an informed decision, we called Amex Travel and talked to a customer service representative on June [redacted], 2014. I talked to him for almost 30 mins and he said we could cancel the flight and rebook it within a year through Amex. He said that there are three kinds of parts to the payment, one of them being an Amex cancellation fee for 13$, a change fee for 200$ and a rebooking fee from Amex for 40$. The dollar amounts I have put in are approximate and are based on what I remember. I asked him many times to just let me know how much I would lose from the ticket (the ticket was 270$ per person) and he said it would be the 13$ now and 40$ for the rebooking. And I asked him to explain everything to me many times to understand correctly what he meant.

Then we finally decided on cancelling the tickets and the people we were visiting made other plans. When I called Amex to cancel, they said that I would only get 40$ back per ticket. So basically I will lose $513. This is ridiculous since we were informed something else. We escalated it to the "Service excellence managers" and that was a nightmare. We were directed to different managers everytime and were told that we would hear back in 24 hours, however with no response forever till we called. Atleast, they can make a follow up call and inform us that there would be a delay. They are supposed to be a "service excellence team". I asked them to listen to the recorded conversation I had and help us with this issue at hand. However, they came back to us saying that the customer service representative did tell us of the amounts and when he said that we would not lose anything, he meant we won't lose anything now but would lose 200$ when we rebooked. However, the part where the representative told us about rebooking the flights were WRONG AND AMEX CANNOT DO IT. I find this ridiculous and a complete misrepresentation of the information. They said they can only refund us the remained of the measly amount of 40$. If Amex cannot rebook the flights, then why is the rebooking fees not being refunded back to us? And it took us more than a week of calling and staying on the line for 30 mins each time before we were told this. Also, when I called them today to confirm if the trip has been cancelled, they told us it has not been cancelled.

We are thoroughly disappointed in American Express. Me and my wife have credit cards with them and we have an Amex Savings account and this is how they treat their loyal customers for all the business we provide them. We were responsible and we called them to make an informed decision before we decided on cancelling the tickets. We should not be penalized for misrepresentation of the information that was provided to us. We were told we would only lose 13$ now and then we are told we will lose more than 240$ per ticket. We demand that we get our money refunded and not be penalized for something that is not our fault.Desired Settlement: We should not be penalized for misrepresentation of the information that was provided to us. We were told we would only lose 13$ now and then we are told we will lose more than 240$ per ticket. We demand that we get our money refunded and not be penalized for something that is not our fault.

Business

Response:

American Express mailed our response to the consumer today.