American Express Company

Today I called AE to have my address updated. The representative asked for information on my credit card that I did not have on me at the moment. She explained to me that she wouldn't be able to change my billing address unless I had my card. She also suggested that if I had my card replaced than she would be able to update my address and sent out the new card. I agreed. She than placed me on hold but the call dropped. I call back and a different representative answered. After I explained to him the reason for my call he tells me my card was mailed out and that he would not be able to cancel that order. I asked to speak to a manager not because I couldn't cancel the order but because the first representative should have never ordered a replacement card when she was aware that my address was never updated. This defeats the whole purpose of security. Now I have to wait and hope I get the new card, new pin and call AE to have my address changed. Also Hope that my personal info and my card don't get stolen. I'm very disappointed, frustrated with the way things were handled.

Review: interest on paid off balance I was advised by american express that if I make a payment by the due date, the interset accured for the next statement is from the balance that is left after the payment is made. examnple: balance due is 500.00...I make a payment of 400.00, balance for next statement is going to include interest on the $100.00 that is now the current balance. I made a payment of $7800.00 and now am being billed $63.94 on a $1100.00 balance.,,I was given false info from american express and now they are not willing to assist with there false info that there company provided..Desired Settlement: to have the $63.94 interest charge removed since since the balance was paid in full.

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:

[

Hello

I just reveived the response from American Express and I dont agree with it. They sent me a book of my card agreement and a letter saying I basically need to read this and that does not sit well with me.

Basically, I had a balance on my card of about $7047.47 and American Express sent a bill with that info and said it was due on July **. On July **, american express received $7800.00 from me. ( I paid more becasue of charges I made after the statemnt went out. I get charged interest from the time my bill went out to the time that they got the payment of almost $65.00. It doesnt make sense. If I get a bill saying this is my total amnt, AND I pay it off, I still get stuck with interest the following month because I waited untill the due date to make the payment??

I do not agree with American Express and the customer service that I have received from them trying to talk it over with them has been horrible. I was basically told to go read the handbook that they issue out when you first get your card and nothing else would be done. I have been told in the past by other customer service reps, that if I pay in full, there is no interest the following month. Now American Express is doing NOTHING to assist with this issue but send me another book of the terms.

Thank You ]

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: On November 13, 2013 I purchased an American Express Bluebird card. I tried to register it online as required. There were some issues due to having another account which was subsequently closed. I was informed on the 16th that all was clear and I would get the email to confirm my email address within 24 hours. I did not get it until the 21st after contacting them twice more. I clicked the link only to be told my username and password combination was invalid. I tried to reset the password only to be told that my email was invalid. I contacted them again and was told to give them 48 hours. Now more than 48 hours later it still is not working so I contacted them again. They changed the email and said to try it again only to get the same response. I now am so fed up that I just want the $5 I had to pay to get the card refunded to me. I told them I want my $5 back and to just cancel my card. I was told that the $5 is not for American Express, that it is a Walmart issue. I could not get the card without paying $5 for the starter kit. They are now saying to give them 10 days to get my permanent card to me. The permanent card is useless if I cannot even complete registration on my temporary card.Desired Settlement: I just want my $5 back and my account totally cancelled.

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:

This complaint has NOT been resolved. I just received the messages regarding this matter today as the e-mail [redacted] is no longer used. Please send future correspondence to [redacted]. They did NOT contact us on said date. The only messages they have sent us were stating our statement was ready. We do not have any money on the cards in question so there is no statement to prepare and we have never been able to access any of the accounts. We also have not received the refund we are seeking

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

Sincerely,

Business

Response:

While we appreciate the customer’s feedback our position on this matter has not changed. The Consumer has not provided any new information, therefore, American Express considers the matter closed and no response will be sent to the consumer.

Consumer

Response:

I no longer have any of the e-mails that were sent to me regarding this matter. After a certain time they get deleted and I was not expecting this to take six months or more to get resolved. The business can continue to refuse to refund my wife's five dollars. We will just tell all of our friends and family to not do business with American Express anymore. Since my wife also sells cards from American Express she has the opportunity to let her customers know what kind of business they conduct. I understand this seems like a lot of trouble to go through over five dollars but it is the principle of the matter. Businesses need to see that they stand to lose a lot when they continue to outsource their operations to other countries.

Review: [redacted]

MARCH *, 2015

On September **, 2014, [redacted] and I went to the [redacted] Store in [redacted], [redacted] to purchase a bedroom and a dining room set for our new house. Next day [redacted] wanted to go into a different furniture store in [redacted] and fell in love with a different dining room set.

On Monday September **, 2014, [redacted] went into the [redacted] store to cancel our purchase in accordance to our original purchase agreement. See enclosed copy of our agreement and as stated below in accordance to their cancellation policy in verbatim.

“Cancellation Policy/Canceling Delayed Items: all cancellations must be done in-person at the store within 72 hours of the original sales date. A 100% refund of the purchase price paid or, where applicable, a reversal of the credit card or financing transaction will be issued. For orders paid by check or cash, a refund check will be issued and mailed out within 1-2 weeks. After 72 hours of the sale date, all sales become final – except of delayed delivery / backorder. Delivery fees are non-refundable. For cancellation / change to your order after 72 hours of the original sale date, a 30% restocking fee will incur.”

When [redacted] went in to the store to cancel the purchase on the following Monday (September [redacted]) around 5 PM, the manager [redacted], stated that he cannot honor the request since I used my credit card for the purchase.

[redacted] called me from the store and I spoke to [redacted]. I question him why we cannot cancel the purchase in accordance to their cancellation policy. He stated that he needed my credit card to reverse the charges. I told him that he had that on my purchase record and I can tell him my credit card number over the phone. He stated no, he needed the credit card to reverse the charges since the amount was quite large.

I told him that I lived over 50 miles away and would be difficult for me to go to the [redacted] store during the week. I asked [redacted] if I can go over to the [redacted] store in [redacted], [redacted] to cancel the transaction, and he stated no I must come in to his store. He stated that he is off on Tuesday and I can come in Wednesday evening. Knowing that Wednesday evening was past the 72 hour cancellation period, I called the America Express Card Company to cancel the purchase. Also he stated that if I cannot come within the 72 hour cancellation policy, he will honor my request since we spoke over the phone and [redacted] came in to the store during the cancellation period.

I did not trust him. And my suspicion came true and that is why I called to cancel the credit card purchase. After I cancelled the purchase, [redacted] put in a charge back against my cancellation. I went into the store two weeks later to question his motive. He stated that he needed payment before he can issue me the credit. During our conversation, he repeatedly stated that I will get a full refund but he needed payment first from the American Express Credit Card Company.

I question the logic since he can reverse the charge within the 72 hour period why he needed payment first. He cannot explain to me why he needed the payment except that the amount was quite large.

After that conversation, I put in a claim against his charge back. And we have been going back and forth since that time.

If you listen to my call-in to your customer service, I do not know which day but it was on a Saturday, [redacted] stated on a recorded conversation with your representative that he was waiting payment from your company to give me my full refund.

He has repeatedly has stated that he will give me a full refund over and over during all our conversation with him. So the question is why not just reverse the charge and be done with this problem.

Any assistance that you can render is greatly appreciated.

Sincerely, [redacted]

MARCH **, 2015

I am totally disappointed that we cannot resolve this issue for six months. The charge, in question, occurred on September **, 2014 in the amount of $15,000, [redacted] Store in [redacted]. The manager of [redacted] wants to refund the money but he claims that he cannot since he has not been paid by your company.

At this point I do not know who to believe and who has my money. All I know is that your company is charging me interest on this amount; [redacted] claims that he does not have the money to refund me, so please explain to me where is the $15,000 that you claim that I owe?

Please call [redacted], manager of [redacted] company Phone: ###-###-####, and clear this matter immediately. He wants to refund the money and you have him on recording stating this fact when I called from his office in [redacted] during January of this year on a Saturday. Don’t know the exact weekend but I am sure you can chase down that recording.

Please let me know what else I can do to clear up this matter.

Your assistance is greatly appreciated.

Thanks, [redacted]Desired Settlement: Refund my credit card immediately and pay for finance charges.

Business

Response:

American Express mailed our response to the consumer today.

Review: On 2/[redacted]we made a payment of $468.00 using a friend of mines business account information.(he was on the line) On 2/**I received a email stating that

On 2/**we made a payment of $468.00 using a friend of mines business account information.(he was on the line) On 2/**I received a email stating that his payment was not honored by his bank and since I processed two transaction I immediately processed the payment with my account to ensure that my account was not affected . I kinda panicked after I went back to the email I saw that it stated that 2 additional attempts would be made. Well the payment I made was cleared. On 2/**I attempted to use my card and it was declined. I contact customer service spoke with a male whom informed me that due to the initial payment not being honored my card was BLOCKED! I asked what can I do to make this right because me and my friends plan to book our trip tomorrow and I wanted to us my points towards this trip. He instead that nothing could be done to get my card unblocked . I asked to speak to a supervisor who gave me the same information (not helpful at all) to think she was a supervisor!! She gave me some number to fax some paper to . I spoke with my friend and he asked me to call back to inquire when will the second attempt be made I spoke to a very knowledgeable lady. I explained the issue. She informed me that a second attempted has been sent but to expedite my request I should call with my friend on the line and they could do a phone verification.Desired Settlement: Refund fee.

Consumer

Response:

No I didn't get and respond from American Express

Thanks

Business

Response:

We responded to the customer via written correspondence today.

Business

Response:

We responded to the customer via written correspondence today.

Consumer

Response:

I keep getting all these email from Revdex.com and nothing from American Express all I want at this point is for the $25 fee to be credited back to my card. I guess they don't care who we file a complaint with it's almost 2mnth and no resolution .. Not even close.

Consumer

Response:

I keep getting all these email from Revdex.com and nothing from American Express all I want at this point is for the $25 fee to be credited back to my card. I guess they don't care who we file a complaint with it's almost 2mnth and no resolution .. Not even close.

Business

Response:

We responded to the consumer via written correspondence on April, 2014. The consumer needs to allow 7 – 10 days for mailing time

Business

Response:

We responded to the consumer via written correspondence on April, 2014. The consumer needs to allow 7 – 10 days for mailing time

Review: I have two American Express cards and have been a member since 2007. My newer card had one year of free usage; and in that time I deemed the associated Delta program was not of quality. I called to inquire about my options with the card, because I was not interested in paying a $95 fee, but still wanted to maintain my available credit.

Cutsomer Service A: The first man I spoke to was unable to assist me. He said "You have to pay the fee. Anything else I can help you with?" He failed to provide me with any options and refused to send allow me to speak to anyone higher up or more informed.

Customer Service B: The second woman I spoke to was slightly more helpful. She said "You can transfer your credit line to your other card. You will also be able to cancel your current card within 60 days of the fee and receive a full refund." Great, right? Nope. Little did I know she was lying through her teeth.

Letter comes in the mail. "We cannot process this request because of the short time your account has been open." Seven years? Seven years is a short time?

Customer Service C: This man explained that she was not properly trained. She was unaware of a 13-billing cycle minimum required on both cards. But here's the catch: 13 billing cycles would provide exactly enough time to bill me the $95 fee and not allow a refund, because it would extend at least one day beyond the 60 day grace period. He then refused to answer any questions. Offer any help, and transfered me to an automated system.

I have continually been offered abhorrent customer service. The associates are ill-informed, poorly trained, completely and utterly useless. Customer Service C couldn't even tell me if the 60 day grace period would extend beyond the minimum amount of time needed to make the credit line shift. A shift I was told would be "No problem. It's really easy to do!"Desired Settlement: As a seven year customer, I expect better. I want my credit limit transferred. As I was told would happen. So that I can then cancel the inferior card. I also expect American Express to properly train their employees.

Business

Response:

We responded to the consumer via written correspondence today

Review: I recently received a copy of my [redacted] report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.Desired Settlement: remove Unauthorized Credit Inquiry

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:

To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records.

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

Sincerely,

Business

Response:

American Express mailed our response to the consumer on December **, 2015 to the address provided. While we regret the customer's experience, the consumer's additional correspondence contains no new information to which American Express can respond,therefore, no response will be sent to the consumer. The consumer may follow the instructions in our correspondence to address this matter further. Thank You

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: To Whom It May Concern,

I am writing to file a complaint against American Express. Here is the situation:

My mother and I had planned a trip together to visit my brother, his wife, and their new baby in Michigan. We purchased our tickets on August [redacted]. The flight was with US Airways, booked through Orbitz. I used my American Express Card to purchase my ticket. My mother passed away suddenly and unexpectedly two days later on August [redacted]. Amidst my grief, providing support for my dad, and handling funeral arrangements, I had to work to resolve affairs such as cancelling our airline tickets and reimbursements. Given my mother’s death, I was able to obtain a refund for her airline ticket through US Airways.

My ticket was more complicated. US Airways originally told me I had to work with Orbitz as this was the travel agency who had booked the ticket on my behalf. Orbitz was willing to provide a voucher for a fee, but stated they could not reimburse the ticket. They also instructed that I would need to be sure to cancel the ticket before the scheduled flight. I then called American Express to see what other options I had, as I did not have (or want to think about) planning any future flights in the near future (voucher needed to be used within a year, I was grieving, I am expecting a child in January 2014 making air travel with or away from my child unlikely or desired by August/September 2014).

When I first spoke with American Express, they were very accommodating and sympathetic. They immediately placed a hold on the amount of $402.60 and initiated a disputed charge stating that I would be taken care of. I specifically asked if I needed to call Orbitz to cancel my ticket. American Express instructed me not to as they would “handle everything from here”. The customer service representative assured me she would call me back if she needed any additional information from me or if further action needed to be taken by me. I never received a call back.

In mid-October, approximately two months later, I received a letter from American Express stating the charge could not be disputed because I had not cancelled the flight (which American Express told me I did not have to do, as they would take care of that for me). Again, I called American Express to review the situation. They were apologetic and froze the charge again to investigate and listen to the phone logs. At this time I was told that I would get a phone call in a few days on the status of the situation. I did not get a phone call or a letter. Instead, a few weeks later, in November, the charge was back on the American Express account.

Once again, I called American Express to review the situation. American Express was apologetic, admitted that the original customer service representative had given me “bad information” in August and that because the flight was not cancelled there was nothing more they could do, but noted that the “person had been taken care of” – this was really of no help to me. They encouraged me to call Orbitz and US Airways again to see if I could reach an agreement with them.

It was now November. The flight was for September. I also did not feel that it was Orbitz or US Airways fault that American Express had given me “bad information” but decided to contact them anyway. Orbitz was unable to do anything. US Airways provided some assistance after I had to talk to multiple departments, fill out various online forms, and provide the death certificate yet again. US Airways is allowing for a flight change within one year of the original ticket with a required $200 change fee, $25 booking fee, and difference in flight fee at the time of rebooking. This amount is over half the price of the original ticket.

Overall, I feel extremely let down by American Express. A lot of energy during a very difficult time had to go into working to attempt to resolve this situation. The resolution was suboptimal at best with ultimately no help from American Express who only made the situation worse, more complicated, and drawn out in the long run.Desired Settlement: Refund of the charged $402.60.

Business

Response:

We responded to the customer via written correspondence today.

Consumer

Response:

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

I am responding to make all parties aware that American

Express has once again confused the issue. The actual issue at hand was not

addressed. The issue was not whether the merchant was at fault. In fact, I

agree with American Express that the merchant is not at fault. The issue is

that American Express gave specific direction and guidance which, when

followed, resulted in the lost opportunity to receive reimbursed from the

merchant.

Review: American express [redacted] credit card solicited me with an offer to spend $1,000 and get 50,000 bonus miles. Before applying online for the credit card, I contacted there telephone agent to confirm that I qualified for the promotion. I was notified unequivocally that I qualifed for the offer and 50,000 points would be applied after $1,000 spend. I applied for the card and took a hit on my credit as a result. I made the requisite spend of $1,000. The 50,000 points never posted. I contacted there customer service and was told that there system showed that I had this credit card several years in the past but did not get a promotion at that time. As such, they said I now did not qualify for the promotion. They have refused to help me out even though they ASSURED me before applying for the card that I qualified for the promotion. This is bait and switch and false advertising. This needs to be investigated and is unacceptable.Desired Settlement: I am requesting they honor the offer made which is 50,000 bonus miles or the cash equivalent of $500.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

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

american express has continued to refuse to acknowledge that there agents misled me. they have refused to offer anything at ALL to remedy the situation and have demonstrated a complete and utter lack of desire to resolve this issue dispute the fact I have been a customer for 10 years.

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.

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:

MATTER IS NOT CLOSED AND ISSUE NOT RESOLVED. I NEED MATTER ESCALATED AS PREVIOUSLY INDICATED.

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

Sincerely,

Review: Recently, this company offered a $25 statement credit to anyone that signed up for it's American Express Serve card as a first time user and spent at least $25. The offer details stated that the promotional credit would be applied to the next billing statement following the time in which the conditions to receive the credit were met. Having met all of the conditions and having today received my statement, the company has failed to provide me with the promotional credit as advertised when signing up for the American Express Serve card.Desired Settlement: I would like to company to honor its advertisement and apply to $25 credit to my account.

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

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

Sincerely,

Review: Attention: [redacted] Attention: [redacted]

RE: American Express Delta SkyMiles Account Ending in [redacted]

Dear [redacted] AND [redacted] (or [redacted]) [redacted],

I am writing for the third time in the past two months to demand that you remove the unauthorized $55 Annual Membership Fee which you have unlawfully imposed on my account referenced above. I do this under the Massachusetts General Laws Section 93A which requires a written response from you within 60 days. To date, [redacted]’s return letters are mere form letters and do not meet your burden of responsiveness under Section 93A. [redacted] (or [redacted]) [redacted] letter provides a false statement in the third sentence. Change in my annual membership fee cannot be made per the Cardmember Agreement for the reasons noted below.

Several decades ago, American Express offered me a Delta SkyMiles card with “no annual fee for life." I accepted your offer which I believe is a binding contract. In spite of this offer and acceptance, AMEX has attempted to impose an Annual fee on a number of occasions since we agreed on this “for life” contract. On each occasion, I wrote to AMEX demanding that the fee be removed, which fee AMEX did remove at my insistence, as confirmed by the [redacted] letter [Exhibit F] at least for the 2007 attempt.

On February *, 2014, AMEX tried this same subtrafuge to deprive me of my funds, in conscious disregard of our mutually agreed upon contract [see Exhibit A]. On February **, 2014, I wrote once again rejecting AMEXs attempt to unilaterally impose a change in our contract provisions. I do not remember receiving response to my February **, 2014 letter to AMEX.

I presume that AMEX imposed the unauthorized $55.00 Annual Membership Fee sometime between May and September 2014. When I noticed this false charge I wrote on October , 2014 once again reminding AMEX of the terms of our contract [Exhibit C].

I received a form letter response with no name attached dated October **, 2014 [Page 2 of Exhibit D]. I replied by Certified Mail on October **, 2014, receiving several envelopes with letters dated October **, 2014, one of which contained [redacted]s name as a contact person [Exhibit E]. I believe the letter signed by [redacted] is non-responsive as it did not address my specific requests under M.G.L. 93A as listed in my October 24 letter. Page 2, of Exhibit E does confirm that I have never previously paid a fee for decades of membership with Delta SkyMiles. Thus you have agreed that this has been a “no fee” card since its inception decades ago. I believe that this letter from [redacted] is also a form letter being sent to a Class of Members with the same complaint as mine.

On November **, 2014, I received a letter from [redacted] dated November **, 2014 which did attempt to explain AMEX’s fraudulent charge to my account, and in that sense the [redacted] letter was responsive, albeit in an illogical way.

The offer was not a part of the Cardmember Agreement since I did not have a Delta SkyMiles Card prior to your offer. I was induced to accept your offer based on your promise of no annual membership fee for life. AMEX has benefited materially from my use of the Delta SkyMiles Card; hence, you received the consideration necessary for a binding contract. Our contract is for life; neither of us are dead. Honor your part of the contract by removing the $55 fee and do not ever attempt to impose the fee again. I have been harassed enough. AMEX’s behavior constitutes fraud and I will not accept such continued deceit.

The logic of the [redacted] letter that this fee is imposed through the Cardmember Agreement fails for multiple reasons:

i. As noted above, there was no Cardmember Agreement in force at the time that your offer and my acceptance were made; hence the CMA cannot be a part of this contract agreement.

ii. Even if the CMA were in force at the inception, your offer of “no annual fee for life" was a promise in perpetuity and AMEX cannot alter this in perpetuity" clause of the CMA if the CMA were the controlling document. It would be both fraudulent and illogical to do so. Interest rates may vary under the CMA; or returned check fees, etc., may vary under the CMA, but the Card was issued under a “no annual fee for life" clause, which can only be rescinded by death or demise of either party or by mutual agreement. I gave timely notice that I did not agree [Exhibit B]. You received that notice and ignored it.

iii. By the Doctrine of Estoppel, AMEX cannot now claim that I gave insufficient notice as the [redacted] letter acknowledges that you received my letter of February 15, 2014. Your alleged response of February 18, 2014 (no copy submitted) stated an unenforceable option of “pay the fee or we will unilaterally close your account.” You have no justification for closing my account. I have met all obligations under the CMA. To close my account without cause is discriminatory and is a violation of my Civil Rights. If one party can void a contract at will, as AMEX is attempting to do, the entire theory of contracts would be dissolved. In this sense AMEX’s unilateral voiding of a binding contract constitutes an unauthorized taking of property, which is the essence of my complaint against AMEX (aside from the discrimination as noted above.

iv. The value of the Delta SkyMiles membership card is not in dispute. AMEX values it at $55.00 per year. Thus AMEX acknowledges that our contract provided a benefit to me that has a lifetime value of approximately 1,000. AMEX now attempts to take that value from me by unilateral force.

v. The [redacted] letter says that I agreed to the CMA by keeping, signing and using

the card." As noted above, AMEX cannot change the portions of the agreement unilaterally that are made in perpetuity, AMEXs actions in the past of agreeing to drop the imposition of an annual membership fee when I complained previously in 2007, now estops AMEX from claiming that AMEX has sole authority to void our contract. You could not do it unilaterally in 2007. What has changed that permits you to do it now?

In my opinion, there was a binding contract between AMEX and myself for “No annual membership fee for life.” AMEX seeks to unilaterally void this agreement. I have continuously and strenuously rejected AMEX’s attempts to unilaterally void our contract on multiple occasions. AMEX is now refusing to negotiate and provides me with a take it or leave it demand. AMEX is discriminating against me without cause and has been harassing me for asserting my contractual rights.

At this point, I would ask AMEX to think objectively about their position on this matter. For example, if I purchased an annuity of 500 per month for life and after 20 years the annuity company wrote telling me that their costs of providing these monthly benefits had increased so they were unilaterally dropping the monthly payment from $500 to $450, what do you think would happen? Should the person who was receiving the $500 per month benefit just accept the companys position? Yet you are asking the same thing of me.

I do intend to keep my Delta SkyMiles Card for Life as promised and without an Annual Membership Fee as promised. Since AMEX sees value in this relationship, as obviously do I when I need not pay a membership fee, we are at a contractural impasse. I am willing to release AMEX from their contractual duty for the sum of 1,000.00 (one thousand dollars). This is my M.G.L. Section 93A demand for AMEXs voiding of our “for life" contract.

Sincerely yours, [redacted] CC" Massachusetts Department of Consumer Affairs

Massachusetts Attorney General [redacted] AttachmentsDesired Settlement: I am writing for the third time in the past two months to demand that you remove the unauthorized $55 Annual Membership Fee

Business

Response:

American Express mailed our response to the consumer today

Review: I have been an American Express business card holder since 2011 and they are ending their partnership with Costco, so I went to AmericanExpress.com to evaluate new cards, so that I may continue my relationship with American Express. I found the Blue Cash Preferred card with an offer for $150 statement credit after spending $1,000 in the first 3 months along with 10% cash back to Wireless Carriers during 2016. This seemed like a great offer, so I applied last night. I go to AmericanExpress.com this morning to check my application status and the same Blue Cash Preferred card has an offer for a $250 statement credit after spending $1,000 in the first 3 months along with 10% cash back to Wireless Carriers during 2016. Overnight, they increased the statement credit offer by $100. Since I just applied within the last 12 hours or so, I expected them to honor the promotion. I contacted customer service, who transferred me to new card applications, who transferred me back to customer service, and no one could help me change the promotion on my application. They said it was approved and there was nothing they can do at this point. I feel deceived by American Express because they should honor the offer for the same card when I literally just applied. I completely understand that offers change all the time, but within 24 hours I feel is a reasonable time to honor the change. Other companies like REI and Amazon make exceptions like this all the time, and I feel like American Express should take the opportunity to make their customers happy and excited about getting a new card with them, especially existing customers who want to continue their relationship with them.Desired Settlement: I want American Express to honor the $250 statement credit offer ([redacted] OFFER CODE: [redacted]) on my Blue Cash Preferred card. I am hoping to see $250 on my statement after spending $1,000 in the first 3 months. The new card representative said that I could file an [redacted] complaint to resolve this, but the customer service representative said that I cannot. So, I am reaching out to the Revdex.com for help.

Business

Response:

American Express mailed our response to the consumer today

Review: To Whom It May Concern: I recently disputed $405. While the dispute was investigated, I was advised via customer service chat of the following: 1) I would not be responsible for paying the disputed amount, 2) The disputed amount would not be reported to credit bureaus. Checking my credit bureau report, I noticed that a balance of $344.00 was reported to the bureaus in August of 2010. I received a message recently that the dispute was resolved in my favour, and that American Express would credit me the $405.000. I spoke to the following representatives - [redacted] Employee No. [redacted], on 8/**/2013 around 12pm [redacted], General Customer Service, Employee No. [redacted] on 8/**/2013 around 12pm. [redacted] and [redacted] both agreed that the $344.00 reported to the credit bureaus was in error, and the correct balance reported should have been $0.00. They were, however, unable to come up with a way of guaranteeing that the incorrect information would be removed from my credit report. I make a point of paying off my credit cards in full every month, ensuring that the reported balance to the bureaus is $0.00. Had I known a disputed balance would have been reported, I would have paid the disputed amount and waited for American Express to reimburse me by giving me a statement credit or sending my a cheque. Due to information from American Express, I did not. American Express has not been able to provide me a guarantee that they would correct my credit report. Sincerely, [redacted]Desired Settlement: I would like an assurance than my statement will be corrected to reflect the following: $0 balance June $0 balance July $0 balance August

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 would like to highlight the following items.

1) American Express company has engaged in a dubious practice of letting the Revdex.com know that they have responded to me by mail. They then sendi the response so it reaches me after the closing date in order to avoid problems.

2) My response -

The response sent to me by American Express company indicated to me that their customer service agents did not provide me with correct information regarding credit bureau reporting. It is not my responsibility to figure out who has the correct information at American Express; this is their onus.

American Express representatives - through telephone and chat explained to me that while I have a balance under dispute that disputed balance will not be reported to credit bureaus. Despite this, a $344 balance which was later credited to me, was indeed reported to my account.

I maintain my request that American Express stand by the clear statements of their representatives and remove the $344 balance reported on my credit score.

I appreciate your assistance in resolving this matter.

With Kind Regards,

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

Sincerely,

Business

Response:

We have completed our research and previously mailed our responses directly to the Cardmember on September **, 2013, October **, 2013, and November **, 2013. We have reviewed this most recent correspondence and determined that it does not contain any new information. As we previously advised the Cardmember we would not respond without new information, we will not be sending a response to the Cardmember.

Review: I recently added direct deposit to my [redacted] by American Express account. I have had the account for roughly two years at this point and have dealt with the issues that one has when using a prepaid card and account. Earlier in the week my employer deposited the first sizable deposit into my account. I used the money to pay bills mostly. I was writing a check this morning to help my wife pay for college when I checked the account and found it to be compromised. The money that I had deposited in my [redacted] account was gone. I checked my recent transactions and found numerous ones that I didn't make. They were quite obviously POS transactions at registers. I found this disconcerting as my card was in my wallet. I called [redacted] and spoke to a customer service representative who referred me to another representative that would be able to assist me with my concerns. She was unable to assist me. Instead of freezing and flagging the transactions, she told me that I would have to let them go through and file another claim for each of them after they were finalized. I understand that fraudulent transactions need to be investigated and that I shouldn't expect immediate resolution, but I found that policy to be exceedingly redundant and a waste of resources.

I'm not a wealthy man. That $794.79 is all the money I have. I have bills to pay and need food on my table. The representative, [redacted] notified me that this process may take 45 days. I am shocked. I feel personally violated that a company with the reputation of American Express could allow this to happen, furthermore to have their representatives essentially tell me there's nothing they can do and good luck trying to survive the next week until I can get paid again is hurtful. As I said previously, I'm not expecting immediate resolution, but better answers, more common sense and a reasonable resolution would be appropriate. I don't know what I'm going to do about feeding my family.Desired Settlement: All I want is for these transactions, which I obviously didn't make, to be reversed. I have done nothing wrong and don't know how anyone could have received my account information to make a counterfeit card. I feel violated, both personally and financially. I'd like an apology in writing and assurances this will never happen again as well as my money back in my account immediately.

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

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

[Your Answer Here]I have not received anything from American Express except for a new card. I have filled out and submitted a statement of fraud to them, but have not heard back from them regarding this. They told me I should receive some sort of correspondence regarding my claim within 10 business days. Today, 11/*, is the tenth day. I called account protection services and the representative I spoke to had no answer for me regarding my claim other than someone had looked at it. I find this very disappointing. It has been over two weeks since I initially contacted American Express regarding my account being compromised and I still have no idea what's going on with my money.

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

Sincerely,

Business

Response:

American Express mailed our response to the consumer today

Review: I have been trying to contact American Express Customer Service for over one week and their recording states they cannot privide support due to technical difficulties. Then they disconnect me. I am trying to contact them to dispute charges on my credit card. American Express' Customer Service is not reachable.Desired Settlement: AMEX needs to provide the service required ASAP. A simple phone call to my cell (###-###-####) would resolve this issue.

Business

Response:

American Express mailed our response to the consumer today

Review: Ordered blue card was approved. Card they say was sent 8/**/14. No card as of today. I called to ask about the delay 5times and the cust serv rep said it would be there the next day. That was9/*/14. I said that I feel there is a problem since I rec other letters referring to the card during the week of 8/**/14. They became very matter of fact about me waiting and finally today said they would cancel old card and issue a new one. Why the delay?no one there could care less that maybe I could have been compromised and their delay would only make the problem worse. I wasted so much time doing something that should have been taken care of sooner. They promised the new card will be here 9/*/14 by ups. I do not believe this.Desired Settlement: Still have not gotten my credit card from American

Express. After 6 calls they decided to cancel first card that I never got, but said they were sending new one through

ups and I would get it on 9/*. Still nothing has come.

Again no card. I have put through the test. 9 calls. They

botched it all up again.

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]

They are a fountain of misinformation. I called many, many times on this issue and was told by at least three people to wait another day. The final call a woman also said I qualified for the $75 fee to be waived the first year due to a promotional thing. That did not occur. The person who wrote was a [redacted] on sept [redacted]. They told me they have no record of calls on this issue but I do. Snow job

thankyou

I will keep my new card but do not like their handling of this problem. I was on a limb for about a week because since I didn't have a card with a full account number ,I could not call because their system requires an account number I did not have and it hangs up on you. I had to call Fort Worth number

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

Sincerely,

Business

Response:

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

Review: I have called three times to active the Serve card. I have spent 3 hours dealing with customer service people who keep saying the same thing.I loaded money onto the American Express serve card and for some reason only $16 of the $130 that I placed on the card is available. No one seems to be able to help - no one seems to speak English as their first language.Now I do not have the money - so basically I just threw away $130 or gave the shareholders of American Express more money that they probably don't need.Desired Settlement: I just want the $139 back in addition to the $2.95 load fee

Business

Response:

American Express mailed our response to the consumer today.

Review: We've had our American Express business card for over a year now. We had seldom used it until April of this year when we needed to maintenance and repair our equipment and expand our company. We had a $35,000 credit limit and had put about $4,500 on it. Not even a month after these charges appeared, we received a call notifying us that our credit limit had dropped from $35,000 to $1,500. This came as a surprise to us because we had already exceeded that spending limit. After receiving this call, we received several more telling us that the bill would need to be paid in full since we went over our spending limit. The only resolution for us to stop this harassment was to take the money out of our personal savings account and pay off the card. Since doing so, we've cancelled our membership with American Express and will no longer do business with them.Desired Settlement: We were charged multiple late fees for being over our limit and not paying the amount in full. I think that this was uncalled for since we were obviously very loyal customers to AMEX and always paid our bills on time.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I have my direct deposit from Social Security set up to go to :

Your Direct Deposit Information

Account Number: [redacted]

Routing Number:[redacted]

Account Type: Checking

Bank Address:

American Express [redacted]

It is now 6 days late. I contacted Social Security and they told me the payment was issued. I contacted them over 25 times in 6 days. They have NO explanation. Because of this my water is about to be shut off, I have not been able to pay for four medications ( all of which are need to keep me alive. I have not eaten in three days.Desired Settlement: I demand that my money be INSTANTLY deposited into my account. If I should die because of this I demand a record so my mother can sue them for negligent homicides.

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: American Express has improperly denied my wife and I use of

our American Express [redacted].

As a result, our credit rating may suffer; we are losing [redacted] and we

are unable to purchase member-priced gasoline at [redacted] stores.

On May *, both my spouse Carol and I spent nearly one half-hour on the telephone to

explain the issue to Amex Customer Care with no success. As best we could understand

the representatives, Amex wants to remove our post office box from our mailing address.

As we explained to the representatives, the United States Postal Service does not deliver

to our physical address. In fact it does not even recognize the existence of the physical

address. This circumstance is quite common in our rural desert community. The ONLY

mailing address we have is a post office box. Of course Amex

has the right to know our physical address; they do not have the right to deny us service

because the [redacted] does not deliver to that physical address.Desired Settlement: Use our only mailing address. Reinstate the credit card. If credit bureaus were fed negative information, correct that.

Business

Response:

American Express mailed our response to the consumer today.