American Express Company

Review: My name is Linda Ramer, my daughter was very recently diagnosed with stage C of Congestive Heart Failure amongst many other ailments, she's also a recent widow of 5 children she will be leaving behind. I just wanted to find a way to give her an awesome mother's day, but as I attempted to use my brand new American Express gold card, my aged laptop began updating and other nonsense. Amex didn't call about possible fraud so they can prove I'm me, instead I received denial for pmt via email from attempted place of purchase. I called Amex and even though I proved who I am, I was told to wait 72 hours, after Mother's Day, to get a reason for being treated discriminatory as a mother who's going to lose her youngest daughter before I pass. Please help me stop their harassment and accusations.Desired Settlement: I want use of my card as soon as possible as spending money on my dying daughter is NOT FRAUD!

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,

[redacted] I am not okay unless the business states my cards are reactivated and available for use as I have only made one purchase before they marked me for fraud alert and closed out my cards. Thank you, [redacted]

Review: I called on Feb. **, 2014 to ###-###-#### from ###-###-#### to American Express Bluebird CSR. They transferred my phone to American Express Serve CSR. American Express Serve CSR wants to transfer me to Account Protection Department. The CSR - She said she will transfer me then she put me on hold for more than one hour and never talked me back to see if or not I am transfered. I am on the line for 1 hour and 30 minutes without talking anyone. Before I am transferred to her. Bluebird CSR kept notifying me he was still with me and let me know I need wait a little bit longer. but she does not. I even do not know she transferred me or not. Maybe she just puts me on hold. I even told her my phone number and inform her if phone line is cut please do call me back to reconnect.

What I did is, I picked up my home phone and call American Express Serve again while keep waiting my cell phone line alive. The call is connected right away and another CSR solved my problem right away While my cell phone is still on hold and no one respond at all. finally the line is cut and she never called me backDesired Settlement: I need a case number from american express and tell me exactly what had happened on Feb. **, 2014 from about 8:40am~10:30am. They do need fire that agent or restrained her to be a qualified customer service. I will provide my phone bill and call history with time-stamp.

Business

Response:

We responded to the consumer via written correspondence today.

Review: On August * I applied for an American Express blue cash everyday card. They were offering a $150 bonus for signing up. I clicked on their apply now link and got a card. The condition was to spend around $1500 in the first three months to be eligible, I spent $3500. I waited two billing cycles for the credit to show on my bill and never received it. I called a couple of times to find out what happened. They opened an investigation. They kept telling me that the promotion is not in our record. They opened an investigation and still no response from their side. I called back on December [redacted], spoke to [redacted] an agent (which amex has no record of). She spoke to her supervisor and confirmed that I would receive the bonus just for the hassle I am going through. I think this is some kind of a technical glitch, because if the offer was online and I applied it online through their offer page, I should get it. I called back on jan [redacted] and spoke to a. Supervisor, she opened another investigation and never called back with the conclusion. I have finally cancelled the card.Desired Settlement: I want American Express to give a $150 statement credit. Because I know I applied through the promotion. I waited for three months for the promotion to start. Every month they have some or the other bonus offer. I have already spent close to $4500 so far on this card. Never a balance and always paid on time. I am a member since 1999.

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 anything from them yet. Besides they have to prove that they did not run any program at that time. I waited 3 months for the promotion to come by. and when it did, I finally applied through their offer.

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

Sincerely,

Business

Response:

We responded to the consumer via written correspondence on January **, 2014. We

have sent a copy of our response 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:

I do not accept their response. Just received it in the mail 10 days later. They have rejected my claim

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

Sincerely,

Review: I called American Express Travel Services to book 4 flight tickets. 2 representatives dropped my call prior to making the booking. On the second call, I was quoted a price per ticket and then the call was dropped for a second time. I called a third time and was told each of the four tickets was now $600 additional in cost. I explained the situation to the representative. I

was told to book the tickets right away or the price of airline tickets could increase more or become unavailable and that the previous increase (due to their dropped calls) by [redacted] was "out of their control" I did book, and then spoke with two supervisors that same day-Same story and, additionally, an attempt to place blame on my phone and [redacted]. I asked to speak with Team Leader and did not receive a call back. I called back over a week later, A senior supervisor investigated the three calls and corroborated my explanation (which I have in email from him) I was, over the next week or so presented with several increasing "offers" for compensation-I maintained my position and said no to each "offer": First a $50 travel credit, then a $500 travel credit, then $500 credit to my account. I refused these "offers" because I did not believe that the additional $2400 cost for tickets was my responsibility. I was advised to contact AMEX Corporate to speak with an executive and when I called was told by the switchboard operator that " there is no person here to speak with you"-Without any discussion about the problem, just a simple request to speak with someone. Eventually I was put through to a voicemail and did not receive a call back, again. I called AMEX Travel Services again several days after and spoke to another Team Leader, whose supervisor (she texted) said she would "not speak with me unless I agreed to take compensation in the form of [redacted] mileage bank"-which I refused on the basis that this was not a problem between me and [redacted] but rather between me and American Express. When I called back later, the Team Leader and her supervisor (who now picked up my call)told me this was a Card Services issue-I suggested we conference with Card Services together. Again, after many hours, I was made yet another "offer", to "satisfy a long standing cardholder"-$1,200 and the remaining in [redacted] miles. I said no. We spoke together, at my suggestion, with Card Services who said they could file a complaint but would not think it likely to be resolved to my satisfaction. I asked everyone along the way, over many days and many calls, why this was being handled differently than my previous experience with American Express and problems with businesses not under their umbrella and why I had received a set of increasing "offers", atypical of their general form of resolution and received no answer to either question. I requested an email stating their "final offer" of $1,200 and [redacted] mileage and a statement to the effect that I would accept the $1,200 as partial compensation but not the [redacted]-I have the documentation on this and my own acceptance of $1,200/refusal of [redacted] miles as a partial resolution.

In the end, this has taken many weeks, much frustration and inadequate compensation, with dismissive customer service, unlike any I have ever experienced in two previous claims with American Express where they took care of issues with outside businesses easily and with excellent customer service over many years as their loyal cardholder (Incidentally, my husband and myself hold two gold cards and a platinum Corporate card used regularly and in significant amounts of charges)Desired Settlement: Fair and moral compensation. Amex themselves has investigated and corroborated my complaint regarding this situation-Thee is no reason for "offers" that are anything other than direct accountability in the form of credit to my American Express account in the amount of approximately $2,400, to make up the difference from price originally quoted for the four airline tickets. I do not want this in any other form like airline miles. Cash is acceptable, but not necessary. Despite my time and aggravation, I do not want anything additional-just reimbursement for their series of errors, dropped calls, no calls back to address the problem.

Business

Response:

we responded to the consumer via written correspondence today.

Consumer

Response:

1. American Express has not addressed the complaint that I made repeatedly and directly with them that the transaction was not between myself and [redacted], but were airline reservations that American Epress Travel was asked to book for me. They have acknowledged their error implicitly by offering escalating and amounts of compensation to my account, but fell short of my requested reimbursement by half the amount. They also acknowledged the full amount by their offer to compensate the full amount as a combination of credit to my account for half (1,200 dollars) and the other half (1.200 dollars) in [redacted] mileage. However, I did not accept the [redacted] mileage because it was not a transaction that occurred directly with myself and [redacted]. WHen I asked them why they were acknowledging that they should provide reimbursement but were unwilling to do so directly, I did not receive any satisfactory answer, they stated this was their last offer which I could take or not. In my experience, American Express is clearly willing to reimburse to their loyal customers by crediting in the amount of loss or problems with external companies. However, they have not followed their usual practices in this way within their own American Express Umbrella. Their offer was not addressing the crux of the problem-Their error and faulty service operation-but rather seems an attempt to "satisfy" a longtime loyal customer by minimizing their own expense and without my satisfaction or sense that they were staying on point in their customer service.

2. American Express has credited my account in the amount of 1,200 dollars. This represents half the amount of my loss and what I have to date accepted based on the above.However, the remaining 1.200 has not to date been credited to my account-Thus my working with you since I was unable to resolve the issue with them directly despite numerous attempts.

Thank you for your attention and continued help to resolve this matter.

I hope that this provides what you need and please feel free to phone with any other questions you may have.

Review: BBVA MISTAKE IMPACTING MY CREDIT SCORE

Amex in Utah recently rejected my application for an Corporate AMEX FXIP account due to my personal credit score.

My personal credit score has been impacted by a major error made to my FICO score by BBVA Compass Bank in AL.Desired Settlement: Please ask AMEX to reconsider my FXIP opening request for Ratnaike 100 LLC in Arizona and please take into account the below information.

Dear [redacted],

BBVA made a major mistake on my credit card and now this has impacted my credit with the 3 reporting agencies.

This is what happened at BBVA.

1) My BBVA credit card has a positive balance of $9.26 ( I over paid my account) Attachment A

2) Before the BBVA error on my credit card my FICO score was 715. ( Attachment B)

3)

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 attached some documents for your referance and I have still not heard back from AMEX.

Thank you

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

Sincerely,

Business

Response:

American Express resent our correspondance to the consumer on May *, 2014. We recieved confirmation of delivery on May *, 2014. American Express considers this matter closed.

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 fails to recognize they are contacting a non-costumer regardless of the fact that I am not a customer. I have initiated contact to stop phone calls not happy.Desired Settlement: I want no contact with American Express in any form, mail, phone , email or any conceivable method.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The business has finally taken action to removing my number from their call center. For the record, the issue was with their computer calling for a customer to a non-costumer number. Repeated attempts to work with the business to understand they had the wrong number on file had not worked after 3 days of direct communication with the business. I did receive 3 more phone calls after filing my complaint. No phone calls have been received since Saturday, April [redacted].

Sincerely,

Review: I booked our family's cancun,mexico vacation trip (3/**/13 to 4/*/13) through American Express Travel. I requested and was charged ($689 per night) for a Suite on the club level at the [redacted] of Cancun and was denied that room once I arrived because of an error on the part of Amex travel agent. This error on Amex travel dept. has been confirmed by [redacted] (and documented). I never received the suite on the [redacted] floor(club level) which I paid for and was a secured (key only) access from elevator and was very important to us traveling with two young daughters. I have tried unsuccessfully to get American Express to take responsibility for their error. This is crazy that it had to get to this point. I have documentation supporting my billing, the itinerary from amex travel stating the club level suite conformation # and the [redacted] email stating that the room was booked as a regular room not a suite and an error on Amex travel behalf. I can't tell you how disappointing this trip was and even more disappointing that a company that I've been with since 1989 is refusing to look into this mistake.Desired Settlement: Full refund $5709.60

Business

Response:

We responded to the consumer via written correspondence today.

Review: For the past 4 months I have been calling AMEX regarding a billing issue, and every month they remove it from the bill and following month they add it again. I am really sick and tired of calling again and again. Every Month I have to go over the history of all last conversations and I can't do that any more. Please help me to resolve this issue once for all.Desired Settlement: Please Please help me to resolve this billing issue.

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:

Only thing I receved from AMEX is requesting for my account number, but they didnt mention where I should be sending that number. Would be more than happy to provide my account #, if they can call me @ ###-###-####. 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:

As mentioned earlier , I did receive communication earlier from AMEX reqeusting for account number, but they didn't mention where I should be sending the Account number to. I am here with giving my account number in Revdex.com correspondence. Please check and review my case. Acct# : [redacted]Exp Date : 08/**Hope this is all you need from me to review my case.

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: This is a THIRD complaint. First was to [redacted] (who behaved exactly as expected).

Second was to AMEX executive offices (useless as expected and now this complaint.

My blue cash rewards balance is inaccurate. It is lower than it should be.Desired Settlement: I want cash reward balance investigated and corrected.

Business

Response:

American Express mailed our response to the consumer today.

Review: Sort of involves health issues. Two disputes charges related to refunds due not accepted w/health tie in. Charges disputed multiple times. Comprise the only remaining balance on account. Have entered disputes w/three major credit bureaus and finally blocked about being robocalled every other days for half a yr. When I call back, no one willing to discuss issueDesired Settlement: plus correction w/Experian, TransUnion, Equifax.

apology would be nice but not expecting it.

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:

Their position is unchanged -- that I have to go back again to both the businesses to dispute the charges.

The hotel promised me a $50 refund, but instead sent me a $50 discount code for future purchases.

The airline gave away my seat on a flight they promised to hold as our connection had been delayed. I was forced -- with an auto immune disease I might add -- to sleep overnight in the Chicago Airport.

For all that Amex helps - its as if I had paid cash. They have NEVER been an advocate with the merchant on behalf of me as a member.

Plus they are charging me huge late fees, and referring my collection to a agency with sketchy practices, as I mentioned in my interim email below...

... [Ames] "by the way is continuing to charge late fees, bringing the original disputed balance of $350 up to $422.

Amex did phone, left a number, which I called back. It was a voice-mail. I left a message to which I have received no response. So essentially unless I sit by the phone waiting for their call....

Also, they have referred it to collection agency, which I expecting. However, that group called a past number, which is not mine, which Amex knows. The collectors also left a voice-mail on my phone explaining that it was a collection call, which I thought was illegal. They did say to hang up if the listener wasn't me before leaving that message. However, it was there for anyone else picking up messages to hear. Very bad form.

I'm not sure why they think I'm going to pay fees for a card I haven't used in over 6 months based on charges I have been disputing for over a year and had offered to essentially split the difference on [the airline component]. I paid without argument the interest on closing out the rest of the balance. But I will NOT be held hostage for charges they should have credited.

I had an Amex card yrs ago I cancelled after a similar experience. Buying something at Bloomingdales during the holiday rush. Clerk scanned it twice, thought it hadn't gone through. Charged the same amount twice like a minute or two apart. Amex would not credit it, ultimately had to cancel the card. "

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]

It is pretty straightforward. I do not accept their explanation of why my disputes are not valid. Amex is totally flexible and their answer has not changed a smidge in over a year. I want the following.

Absolutely musts:

$50 dispute credited to the hotel bill.

At least half of the airline, if not all, of the disputed $300 airline bill.

Any remaining interest charges removed.

Any negative credit information relative to the period after my final payment remover.

Would like but have absolute no expectation of:

Reduction of the subcontractor violating legal collection practices

An apology

Thanks & Best Regards,

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: They offer a credit limit of 20,500. After spending around 5,000 my card suddenly declined. I was left without any money on me since I relied on this card.

I called Amex they said that they just lowered my limit and sent me a mail notification which takes 7 business days to arrive. It is important to note that as can be seen on my credit report, I never ever made a single late payment.

1-They are not honest with customers when you give them a credit limit since they abruptly cut it when the customer begins using the credit.

2-When they do cut the credit - they don't notify the customer. The customer is only notified at the cash register when their card is declined, or 10 days later by mail.

-In my case they have not contacted me neither by phone, nor by email (despite their bi-monthly promotion and statement emails).Desired Settlement: Restore my credit limit to the way it was.

If you ever decide to limit it notify me promptly.

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 will review their response once the mail arrives. If their response resolves the problem I will update the complaint as resolved. If you don't hear back from me - this means that complaint was not resolved yet.Thank You.

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]

No correspondence was received as of yet.When issue will be resolved - I will definitely update the complaint as resolved. If you don't see an update - this means not resolved.

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

Sincerely,

Business

Response:

We responded to the consumer via written correspondence on July **, 2015 to the address provided. We have re-mailed our response today, August *, 2015. The consumer should allow 7 – 10 days for mailing time.

Review: I have an issue with American Express stating that I owe them an amount that was charge on a credit card from them stating that its owed over $2,000 which are purchases I have never even made or did I told them how many times that I never received this card or even activated it I have never did the electronic payments to his card and if I do have payments I send a check I never have taking anything out of my account automatically that is also a mistake of what they have on there part.Desired Settlement: I want them to adjust the billing and charge this account off this is there mistake not mind.

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:

Please tell Capital one that I actually did receive the card and I did deposit the $500.00 but the only Purchase I did due on this card was from Austin Automotive and that purchase was for only $1500 the other purchases on that account was fraud they need to lower the amount of the balance to this account to $1500. This complaint will not be closed until the credit the other amounts from those charges on the card. Like I said the only thing I charged on this account was Austin Automotive here in [redacted]

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

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today

Review: I am having a big problem with American Express assisting me in disputes of merchandise purchased using my AMEX credit card that has not been received & also was damaged. American Express has done nothing with my claims other than to find in favor of the merchants even though I have clear evidence that I have been flat out robbed! I spend $400 per year for this card for the protection & I getting none of thatDesired Settlement: I need my disputes to be looked at & to have American Express look at the clear evidence. They have never once contacted me! I want someone to contact me so I may provide them with all the evidence they need.

Business

Response:

American Express mailed our response to the consumer today.

Review: In February 2013, I responded to an American Express invitation to obtain its Gold Delta SkyMiles credit card. I was approved by American Express with this card in February. I set up an account on American Express website with this card and set up AutoPay on its website. I then called American Express and spoke to a live person who assured me that AutoPay for expenditures on this card was set up. From March to May, I charged $1,463.86 to this credit card and was under the impression that all these would be charged to my Chase bank account monthly, like all my other credit cards. On July * (Saturday), I received a letter in mail from American Express stating that these charges were never paid. I called American Express right away, and was told that AutoPay was not set up properly. I asked how come my Chase bank account shows up on American Express website after I log in on this account. American Express representative replied that although my Chase bank account number shows up on its website, AutoPay is not set up correctly. I then asked how come I was not contacted by American Express in the past 3 months until July *, 2013 by a letter in mail, while my cell phone number, two email addresses were listed on their website, the representative insisted that AE sent out multiple emails to me. I opened my email accounts and can NOT find a single email from AE alerting that this account is delinquent. On July*, 2013, I paid off my entire balance of $1,463.86 using my Chase bank account on AE website. I have not paid the remaining $96.01 which are interest charges and late fees, because A) I was given false assurance by AE that my AutoPay was set up properly in the first place (in February) and B) AE failed to notify me of the problem until a letter in mail on July *, 2013. My credit score has gone from 830 to 780 because of this. I have multiple other credit cards, including another AE credit card. They are all on AutoPay with full balance charged to my Chase bank accounts without any delinquenciesDesired Settlement: American Express to waive $96.01 that are interest charges and late fees. American Express to notify Credit agencies to restore my credit score.

Business

Response:

We responded to the consumer via written correspondence today.

Review: Received a letter that my APR was going up, I called to dispute this since I knew my credit was great. Notified them and then they stated they were going to put in a dispute which was turned down 2x. I again asked them to review my credit since they were reporting the erroneous credit score while 5 other cards had it right. They told me to call the credit bureau of there company where I was told to call [redacted] where they get there info. I called [redacted] where they say all is normal with my report and there are no issues, the issue lies with AMEX. Called back only to be sent on wild gooses chases. In the meanwhile my appeal to keep my APR the same expired and was raised. After AMEX raised my APR, my AMEX account is now showing the correct Credit score where I wouldn't have been raised if they researched what I was telling them but they wanted to raise my APR regardless it appears. I have had them for 20 years and in dealing with Customer Service that is global was not an easy task and my last complaint was done on Amex chat where I was told conflicting information. [redacted] Complaint # and CHAT ID [redacted] and CHAT ID [redacted] I was told conflicting info to get off the chat once I called the recommended party they don't handle the issue. Shady practices. I would like my APR brought back to where it was, I obviously was correct when I reported there was an issue, and they obviously looked at my credit report because there were multiple dings on it after this was brought up in April and now.Desired Settlement: Lower the APR to 7.49% to what it always has been.

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 received the initial letter from American Express stating the APR was being raised due to my FICO score and my many phone calls to customer service at American Express, their representatives kept insisting for me to contact the credit report agency. So between the letter and what I was being told when I called,the decision to raise my APR was being based on my FICO score. I have been a card holder 20 years and feel that this isn't good business practice on their part. If they were raising the APR for other reasons, why not just state that?

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

Sincerely,

Business

Response:

We recognize the consumer’s dissatisfaction with this experience; however, our position on this matter has not changed. Please note that American Express considers this matter closed. American Express is unable to upload documents with personal information to the Revdex.com for privacy reasons.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not satisfactory to me and the matter has been resolved because American Express is in the business to not provide a long time customer any loyalty for sticking with them. I had no choice if I kept rejecting it they weren't going to budge.

Sincerely,

Review: In August of 2013 I was offered an AMERICAN EXPRESS Platinum card with no pre-set spending limit and an extended payment plan option due to my high credit low risk worthiness. I accepted the offer as it was a great option to balance both my personal and business expenses with a good I believed was reputable. Within one week of my spend of time option was initiated it was suspended after I had built a pretty significant balance. I was not aware of the reason of the suspension until approximately two months after the fact as I was never informed by phone, email nor US letter. I was also given a pay over time limit option of 34,000 which was later reneged on for no apparent reason. I was informed that the reason for my suspension was due to a number of credit inquiries on my file that was noticed from a soft pull of my credit profile approximately a week after the pay over time option was initiated. I informed AMERICAN EXPRESS that these inquiries were fraudulent and had already been removed from my credit profile. AMERICAN EXPRESS then requested that I fax in an updated copy of my credit profile which reflected the removal of the fraudulent inquiries in order to restore the pay balance over time feature of the card which I did. I followed up with AMERICAN EXPRESS who informed me that did in fact received my updated report which reflected the removal of the inquiries in question. However they refused to restore the option of the card. Instead they have just billed me high monthly statement dues thousands of dollars more than I allocated for this particular card causing me to fall behind several times with the card. In addition to that since the feature has been suspended, at no fault of my own, they subsequently refused to grant me a line increase which I was due in October of 2013 with my Blue Cash Rewards AMERICAN EXPRESS card. Neither card to that date had ever been past due. In fact my Blue Cash Rewards AMERICAN EXPRESS card has NEVER been passed due nor over the limit. I was granted a very low initial spending limit of 2,000USD with an assurance that I would be able to receive a significant increase around the neighborhood of 15-18,000USD with only 60 days of good payment history. That also was a lie they reneged on. Furthermore more recently they actually capped my spending limit on the Platinum Card to 14,800 which is less than my current balance. I was informed that this was due to a past due balance, which they in essence created with their terrible bait and switch business tactics, but would be lifted to a fully restored no pre-set limit once my account was brought current. This past due balance was less than 30 days and was paid two days before my payment arrangement was scheduled. AMERICAN EXPRESS then refused to honor their word once again and maintained the pre-set limit making the card useless just two days before an international business trip I have scheduled. In addition to that the representative informed my that in order to restore the card no I would have to submit financial document, i.e. 2013 tax 1040, and that they would immediately send a link to my email address which was confirmed in order to lift the no pre-set limit. I immediately contacted my accountant to receive my 1040 and am return to submit per their request and yet they STILL did not honor their word by sending me the promised email.Desired Settlement: I am demanding a full reinstatement of my no pre-set spending limit to my PLATINUM card in addition to my pay over time option being fully restored immediately. In addition I am requesting that all late payment charges that have came as a result of this bait and switch tactic be credited to my account immediately.

Business

Response:

We responded to the customer via written correspondence today.

Review: I have applied for a credit card with American Express. They rejected my offer, stating the following:

FICO score (see below)

our assessment of your monthly payments in relation to outstanding debt on credit card accounts, as indicated by [redacted] Your report INDICATES that you have one or more SERIOUSLY DELINQUENT or COLLECTIONS ACCOUNTS and/or derogatory public records on file....

Derogatory public record of collection filed

Proportion of loan balances to loan amount is too high

Too many inquiries in the last 12 months

Propertion of revolving balances to revolving credit limits is too high

I applied for the credit card on OCTOBER **. I had 11 "90 day late payments on student loans", that is 11 SEPARATE ENTRIES that were INCORRECT. I disputed those with the Revdex.com, the FTC and then finally with the credit reporting agencies. [redacted] REMOVED those entries on October *, 2013. They did NOT correct them but DELETED THEM COMPLETELY. My credit USAGE is 20% of MY WHOLE CREDIT LINE.

Even though I applied for credit on October **, AFTER the corrections were made, American Express just sent me a letter saying they were denying my application and that it was BASED ON MY FICO SCORE AS OF OCTOBER 2002.

I also would like to mention I pay $14.95 for Credit Secure to American Express which is a credit tool provided by [redacted]. That shows me as being on the LOW RISK section which is the highest you can be, with their own score of 744 (it is different than the FICO score but considering the nation average is 689, I am at 744 and in the "LEAST RISK" section). My risk levels decreased 1 level on September *, 2013 and 1 more level on September **, 2013 to put me in the best possible risk level. I also asked [redacted] when American Express LAST requested my credit (made a HARD or SOFT inquiry), and they told me NONE WAS MADE IN THE LAST 90 days.

I have NEVER EVER MADE A LATE PAYMENT or NON-PAYMENT on ANY CREDIT CARDS IN MY LIFE and my student loans date back to the 1990's. I have 0 late or non-payments, I have 1 court entry from 2009 which I am disputing as well since I have been in Florida since 2008 and this was a court entry in Nevada in 2009 and they have NEVER EVER CONTACTED ME as to what it was about. I called to ask and request a copy of what it was and was told I NEEDED TO GO THERE IN PERSON and of course I did not go from [redacted], FL to Las Vegas to find out what it was. Instead I disputed it with the Revdex.com first and requested a copy of "how they contacted me" whether it was a letter, fax, or email and they COULD NOT PROVIDE ME WITH ANY since they never contacted me. I then filed a complaint with the Federal Trade Commission and was told to dispute it with the Credit Reporting Agencies, asking them to obtain a "copy of the contact letter" or any informational letter from the court stating that I had a case or an amount due to them.

Anyway, that was in 2009 and has NOTHING to do with my credit cards or my ability to manage my cards as I was told by the credit reporting agencies.

However I still have a problem with American Express since I applied for a credit card WITH MY CURRENT CREDIT INFO, and they are giving me reasons which have been deleted from my credit reports, my loan ratio is below 30% in the 20%'s and possibly lower, and they pretend they checked my report on October *, 2013 for an application I submitted on October **, yet there are NO RECORDS WITH [redacted] AS TO WHEN AMERICAN EXPRESS requested my credit report.Desired Settlement: My credit cards average limit is probably in the 2k's or so with my highest card being a Barclay card with a $4,000 limit. I have never ever had any late or non-payments yet American Express lowered my credit limit from $1,000 to $600 in 2008 without even letting me know why and when I called, the answer was "we do that to everyone". Yeah right. And now for my card application they come up with this sorry of an excuse. Since they won't issue me a card based on my credit by coming up with lies, I am also going to close my other accounts for them and am considering requesting the refund of my monthly $14.95 which I have been paying for "my credit management" as "RECOMMENDED BY AMERICAN EXPRESS". I will file a separate complaint for that though if I follow through with it since WHY THE [redacted] WOULD I PAY $14.95 for a product American Express advertises and promotes as being a helpful credit management tool, and then when I get in the MAXIMUM POSSIBLE STANDING with Credit Secure in the LOWEST FINANCIAL RISK GROUP, they deny me credit heh?

I want this complaint to remain since obviously it entails everything from advertising useless and false services they claim is a helpful credit management to unethical business practices by denying my credit with made up reasons that are NO LONGER in my credit report. And they specifically list [redacted] which is the first credit bureau to remove all my disputed entries.

Then when I try contacting them by email, the page won't let me and connects me to an online service representative. The online representative tells me to call them and WILL NOT provide me with an email address and also tells me to send a letter. I tell him or her I am disabled right now and CAN NOT LEAVE MY HOUSE to mail anything right now (I have a doctor's report as well to prove it), he tells me to call then. I call and speak to a representative who must have had too much coffee as even though she was nice, her mouth was like a motor and every time I said a word (not a sentence), she kept confirming it with a loud "ya, ya, ya" and I kinda ended up repeating everything a few times since it kept making me lose my train of thought. I have no complaints against her though, she was helpful. I ask her for an email, she won't give me one. She tells me to FAX a copy of my credit report and gives me a fax number and then tells me to call and check back with them. And I had the same experience before with another institution who had told me "FAXED COPIES OF YOUR REPORTS MEAN NOTHING AS YOU MAY HAVE TAMPERED WITH IT, WE HAVE TO REQUEST IT OURSELVES". And after I spent a good 3 hours this morning trying to figure out what is going on, I decided to file this complaint since they lied to me about "verifying my credit score from [redacted]".

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:

They sent me a letter that says nothing about my complaints since obviously they did not even read my complaint. They produced me with copies of their "rejection letters" dating as far back as to 2008, with all the consequent ones explaining "derogatory public record or collection filed" with old information. My FICO scores were LOW because there were 18 COLLECTION ENTRIES by the Department of Education WHICH SHOULD HAVE NEVER BEEN THERE along with a Court Order which turned out was NOT EVEN MINE. And hence, the 3 credit bureaus CLEARED ALL THOSE ENTRIES FROM MY CREDIT FILES IN OCTOBER ([redacted] and [redacted]) and NOVEMBER (Transunion) 2013, bringing my scores to WHERE THEY BELONG. As of November **, 2013, my credit reports ARE FREE OF DEROGATORY entries, whether it is collections, court orders, or late payments. As for my FICO scores, I have not seen my Transunion score yet but my [redacted] score as of November **, 2013 was 764 and my [redacted] score as of 749 as of November *. As for the reason for the "high inquries of credit applications", it was to gather rejection letters indicating DEROGATORY entries so that my attorney can follow suit against the Department of Education for NOT removing the erroneous entries in a timely manner and thus directly ruining my credit. Credit agencies do NOT remove entries for no reason, they have verified the incorrectness of the derogatory files directly through the Department of Education and the Nevada Courts, and REMOVED THE ENTRIES.

So, American Express sending me credit reports with scores of low 600's from months and years ago has nothing to do with what I have been trying to convey. To summarize it, the scores were low because there were negative entries in my credit file WHICH WERE INACCURATE and THAT NEEDED TO BE REMOVED. Now that they are removed, my scores are to where they should be which is in the mid to high 700's. All entries for hard credit checks will also soon be removed as well since the whole purpose of them was to get rejection letters to use in court against the Department of Education that refused to make corrections and to possibly use them against credit bureaus in the case they did not remove the incorrect entries themselves.

American Express sending me scores of 600's showing me their reason for denying me credit due to DEROGATORY records and HIGH percentage of credit use is NO LONGER VALID. My credit reports from ALL reporting agencies are as clean as a whistle, and MY CREDIT USAGE IS BELOW 20%.

I will be closing my American Express card as I will no longer be using it since it is of no help to me. I am in the middle of purchasing a house and there are certain things which I need that will not even be covered by the American Express card that I own, so I will be using my other existing credit cards as well as the new ones of which some have 10,000$ credit limits.

Thank you for taking the time to try letting American Express understand my situation but obviously it has been of no help. I no longer need anything since they obviously are unaware of what I am trying to convey and I will be closing my account with them after paying off my balance.

Thanks again,

Sincerely,

Yavuz Erdun

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:

It has been THREE months since I made the complaint and TWO months since I replied to their reply.

I CLOSED MY AMERICAN EXPRESS OVER A MONTH AGO DUE TO THEIR FAILURE TO DO ANYTHING. So why even send me something almost 2 months after the account has been closed?

Since I could not get anything from American Express, after I closed my account, I applied for credit from elsewhere and obtained a $10,000 and a $6,000 credit cards with better terms than I ever had or would have had with American Express. No interest for 18 months with one rate then going up to 6.99% and the other to 9.99%.

I don't need any cards or anything else from American Express. They are a horrible financial institution to deal with. As a matter of fact, I don't need any credit cards from anyone, not just from American Express; they should have saved the paper which they wasted to send me a letter 2 months after the complaint and my closing of the account, since whatever they may have to send me will go straight to the recycling bin without being opened.. Then again, who cares about wasting paper anyway, after all it's "just trees"...

I don't have an American Express account and I don't intend on opening one, so STOP SENDING ME RESPONSES. You should have acted 3 months ago if you had something to say or wanted to do...

Sincerely,

Review: My company had an American Express card which was cancelled. There were 161,000 membership rewards points attached to that account. I was not informed by American Express, either by telephone or in writing, that these points had to be transferred to another American Express Account within 30 days or they would be forfeited. When I tried to transfer the points online prior to the 30 day completion, I was unable to do so and now they have been forfeited. American Express has received all monies owed to it and I would like my points reinstated and transferred to an open membership rewards account.Desired Settlement: Membership rewards points reinstated and transferred to open account.

Business

Response:

American Express mailed our response to the consumer today.

Review: I am very upset AGAIN regarding certain practices Amex has and regarding several pending a I have in my account that I was told by a rep would drop in 24 to 48 hours but there is more I would like to discuss with an executive.Desired Settlement: Contact by executive offices regarding removal of 3 pending and an issue with a representative.

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:

my complaint didn't request a letter it requested a call to discuss. But this is indicative of the big issue here in itself. As I said prior I would like contact to discuss what I feel is erroneous information I received from there outsourced customer service I spoke to that day and also was refused to speak to a American agent or supervisor.

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

Sincerely,

Review: I needed to refill my phone so I went onto my tmobile app to pay. I proceeded to add $10.89 and it stated "declined." I knew there was money on my card so I tried it again and it stated "declined." I did this 2 more times before I decided to call the payment center. Before I called I checked my bank account and it had 4 authorization holds for $10.89 totalling $43.56. I did not understand this when if my card was declined it should not have taken anything and my phone service was still off. Long story short I spent hours going back and forth between my amex and tmobile to get an authorization code to reverse the payment and no one could do it for me. This does not sit well with me when the transaction was supposedly "declined" there should not be a hold for any of my money that I need because I am graduating this week. I spoke with managers the SAME DAY and they could not reverse the payment.Desired Settlement: I would like the payment reversed so that I may use my money. Makes no sense

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.

Sincerely,