American Express Company

Review: I applied for an American Express Premier Rewards card on 2/**/2015 where I was disclosed I would get 25,000 Membership points if I spent $2000 in the sum pf 3 months. On 2/**/2015 I received a promotional advertisement in the mail from american express telling me I will get 50,000 membership points if I spent $1000 in the sum of 3 months. I called customer service to see they could just put me on this promotion, because they are advertising it to me. Customer care told me If I wanted this promotion I had to cancel my card and sign up agian with this promotion. However, they cannot just apply it on the card. I have money spent on the card already and I wasn't really looking to cancel my card.Desired Settlement: I would like the promotion that was advertised to me for the 50,000points for $1000 spent, WITHOUT cancelling anything

Business

Response:

American Express mailed our response to the consumer today.

Review: I cancelled this account, they charged me a late fee that I paid for the last month of service. Well I couldnt pay it online as the account was cancelled so it was late again. I paid the next one on time, of course they know its cancelled. They then charged me another late fee eventhough my payment was not late. I would have paid them on time for the first two had they allowed me. Now this third charge has me thinking all of it was fraudulent and maybe I should ask for all the fees back, I trusted them the first 2 times. This is a business account and my husband [redacted] is the one that takes care of these bills and tried to call them. He spoke to them and they where rude stating that he can't talk about the account even though he is listed.Desired Settlement: I know the last fee is not a real fee, and maybe the first two are not either. We cancelled the account and we always paid online, once cancelled we had no way of paying. Then the payment of the first fee was late, I get that, but the last one was not, and now I wonder where any of these real fees. We should not have to pay this last fee of 38.69 and maybe we should be reimbursed 64.85 for the other 2 late fees. Thank you.

Business

Response:

American Express mailed our response to the consumer today

Consumer

Response:

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

We received a bill with a total balance of $1856.83 due October *,2105. American Express in their response states a payment was posted on Oct *, 2015 for $1856.83. It is my understanding that the account balance at that time should be zero. The account was closed prior to this time so no further charges we added. I do not understand why we confined to receive a bill in November and December for late fees and finance charges after the balance was played in full. We do not feel we owe the remaining fees. If these charges were necessary they should have been part of the amount owed in October. We consciously did not pay the bills received in November and December as we were certain we had paid the balance in full. American Express was kind enough to remove the fee for December but we had already paid the $64.85 balance for the previous 2 months. We would like a refund check for $64.85.

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

Sincerely,

Business

Response:

American Express responded to the consumer via written correspondence on December **, 2015. While we regret the customers experience our position has not changed. The consumer has not provided any new information to which we can respond, therefore, American Express considers the matter closed and no response will be sent to the consumer.

Review: UNLIKE ITS COMPETITORS(CHASE, CITI) AMERICAN EXPRESS USES AN UNCUSTOMARY WAY OF REPORTING ACCOUNT OPEN DATE TO CREDIT BUREAUS FOR AUTHORIZED USER. THESE PRACTICES DAMAGE AND

PREJUDICE THE CREDIT OF AUTHORIZED USERS AND AMEX DOES NOT DISCLOSE THESE FACTS TO NEITHER

THE AUTHORIZED USER OR THE PRIMARY CARDHOLDER. IN ADDITION AMEX CONSIDERS THE REMOVAL OF AN AUTHORIZED USER FROM AN ACCOUNT AS AN ACCOUNT CLOSURE FURTHER PREJUDICING THE AUTHORIZED USER

WITHOUT EVER HAVING SPOKEN TO THEM. THESE PRACTICES ARE DECEPTIVE AND UNFAIR AND AMERICAN EXPRESS SHOULD BE FORCED TO CHANGE THEM.Desired Settlement: AMERICAN EXPRESS NEEDS TO MAKE CORRECTIONS TO MY CREDIT REPORT AND REPORT THE ACTUAL OPEN DATE OF TEH ACCOUNT AND NOT THE DATE I WAS ADDED AS AUTHORIZED USER. IF AMERICAN EXPRESS FAILS TO REMEDY I WILL DISCUSS WITH AN ATTORNEY REGARDING A CLASS ACTION LAW SUIT AGAINST AMERICAN EXPRESS.

Business

Response:

American Express mailed our response to the consumer today.

Review: Our merchant account # is: ###-###-####. We accept American Express through our website, using [redacted] payments pro.On 7/**/2015, the following consumer made a purchase, using his American Express card directly, on our website, for $518.50[redacted]###-###-####The consumer then proceeded to open an item not received case. We replied with the tracking information on a timely basis. The item was then delivered, American Express could see that it was delivered as they had the tracking information, yet they refunded the consumer, even though it was DELIVERED prior to their making a decision on 8/**/2015 in favor of the buyer.The tracking through [redacted] clearly shows that we shipped it out quickly, one day after payment was received and that [redacted] was slow in delivering it, but DID deliver it during the case being open.We spoke with [redacted] and they told us that American Express Made this decision on their own.If we do not receive satisfaction here, we will being this before the Attorney General of the State of New York and before the small claims court of Richmond County.This is DEAD WRONG. The consumer cannot keep the merchandise AND get a refund. I am a small business, a single dad, working very hard to support his 7 yrs old little girl. Her mother abandoned her when she was 2 yrs old and I am raising her on my own. American Express cannot play God with my money. I want my $518.50 back now, in a check mailed to my address below:[redacted]Here is the tracking information for the consumer, who has ignored my calls and emails, requesting that he reimburse me for the merchandise which he has now stolen, with American Express as his accomplice.Tracking Number: [redacted] Product & Tracking InformationPostal Product: Priority Mail 2-DayFeatures: [redacted] Tracking Up to $100 insurance included Restrictions Apply Priority Mail Insurance info iconDate & TimeStatus of ItemLocationAugust **, 2015 , 10:57 amDelivered, In/At MailboxCASTLE ROCK, CO 80109 Your item was delivered in or at the mailbox at 10:57 am on August **, 2015 in [redacted].August **, 2015 , 9:01 [redacted] , 6:41 amArrived at Post Office[redacted] , 1:46 amDeparted [redacted] Facility[redacted] , 1:04 amArrived at [redacted] Destination Facility[redacted] 11:06 pmArrived at [redacted] Origin Facility[redacted] , 9:51 pmAccepted at [redacted] Origin Sort Facility[redacted] , 5:15 pmShipment Picked Up[redacted]Pre-Shipment Info Sent to [redacted]Desired Settlement: I want my $518.50 back now, in a check mailed to my address below:[redacted]

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

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

We would like to the business to provide the Revdex.com with a copy of their response and for it to be provided to me.They claim that they also gave me a $36.50 good will credit, but it is not in my [redacted] account and I have not received a check for that amount.

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 September *, 2015 to the address provided. Please be advised that American Express is unable to send replies by any other means. We have re-mailed our response today, September **, 2015. The consumer should allow 7 – 10 days for mailing time.

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: This complaint is regarding the lack of customer service received on my call 7/**/13. I have three American Express cards (Blue, Costco, and Corporate) and have been unsuccessful in making a payment on my Corporate account. In May 2013 I had made a duplicate payment by mistake and called AMEX to have one cancelled. I was told this could not be cancelled and to contact my bank (Chase Bank) to have the payment stopped. I contacted Chase and was told payment had already been submitted and that it could not be cancelled. I contacted AMEX to inform them of this and we agreed to transfer my payment and apply it to my Costco AMEX account. A few days later, Chase had stopped the additional payment and I was charged an Insufficient Funds charge by AMEX. I have been unable to make a payment online as my bank account was locked by AMEX, due to the issue explained above. I contacted AMEX customer service via phone on 7/18/13 in order to resolve the issue and make a payment to bring the account to current standing. The initial representative I spoke with was helpful, but incomplete, as they did not mention that my bank account was suspended and informed me to call back with my banking information to make a payment (I did not have my routing number available at the time of the call). This representative had been given the full explanation above and told it would be paid by that same account. When I called back with my banking information I was informed I couldn't pay and was connected to a rep. to unsuspend my bank account. The rep. opened a "case" and said I would receive something in the mail in 7-10 business days, but a payment was needed today. I informed them this is my only active checking account with funds available. I asked if I could make a payment to one of the other cards as my Chase bank was not suspended and I had just made a payment the day before. In an attempt to make this payment I was transferred three times and had to reexplain my case each time as the other rep did not stay on the phone to explain the situation. Upon the last transfer, I requested to speak with a supervisor as I had been on hold, with no resolution, for 50 minutes. The supervisor was unwillingly to help and cut me off as I was providing an explanation as to why the call was escalated. I asked, "why it was it so difficult to provide a financial company with payment?" and explained that the representative had done a similar transfer when the duplicate payment was made back in May. He placed me on hold and said he would check to see what he could do. After being on hold for several minutes, the call was disconnected and no attempt was made to call me back. The supervisor had all of my personal information to do so. I have been an American Express customer for roughly 7 years and have always kept my account in good standing. I have never received such inadequate customer service from multiple people that were clearly not interested in assisting or had the knowledge base to assist in taking someone's money. I lost an hour of my work day and have been left with no resolution to making a payment.Desired Settlement: A resolution and apology. Allow my bank account that is currently used for 2 cards to be active on the third.

Business

Response:

We responded to the consumer via written correspondence today.

Review: Keep getting calls for a [redacted]. Theres not anyone here at this residence by that name. We keep getting calls for a [redacted] for charges to his card. I have called the number back for the last several months and told them that there isn't anyone here by that name. They keep saying they will take the number off and stop calling. I have done this about 7 times or more. Last week I asked for a supervisor and he promised he would personally remove my number and I wouldn't get anymore calls. I am still getting them and I am tired of the harassment of the continued calls. I don't have a American Exprees Card and never have had one. I would never want one with the customer service being thi bad.Desired Settlement: To get phone number removed and stop getting the calls for [redacted].

Business

Response:

We responded to the consumer via written correspondence today

Business

Response:

We responded to the consumer via written correspondence today

Review: I had called back in Jan regarding annual fee I was gonna close my account they said they would wave the fee if I closed keep it open. So I did. I hardly use the acct did not have a card anymore only my authorized user. All of a sudden I started to receive past due notices when I called to find out what it was they said to just ignore and that the account was fine nothing is past due so I left it alone and never got another email notification. I am trying to buy a vehicle and well they reported me to the credit agency as being past due. Also, they charged me 2 late fees $25 and $35 and never credited my account for the annual fee. I had called and chatted online several times regarding this and no ever told me. I never logged into my account since I never had a credit card, it asked for the # and security code on front of card, I never had the info. I just tried calling customer service to assist me and spoke with [redacted] in NC rep [redacted] ID he was very rude just said that I was laying that they don't wave annual fees and if they gave the wrong information it was not their fault. He would not assist me. I asked for credit of the fees, annual fee and correct my credit report he refused and said that is the past and it is what it is.Desired Settlement: I just want all the fees reversed and my credit report cleared up ASAP. I was trying to buy a vehicle and well now it screwed with my interest rate.

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:

As I stated before. One of their employees informed me that they fee would be reversed if I did not close my account. I agreed to that. Their employee cause this error which has affected my credit report. Another one of their employees then informed me that there was nothing wrong with my account when I called in to question why I was receive past due notices when there should have not been anything on the account. I called twice regarding that and they both told me to ignore the message that my account was fine.

The company should take responsibility of their employees. I have never had problems before on the account. This was the very first one.

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 the second time that I applied for Premier Rewards Gold Card that I received from the mail with RSVP code#. And this is the second time they told me they cannot find that numbers after transfering me to four different person that might help my application. After the fourth person, I just hanged up due to frustration. Is this a scam? They tried to put me on the phone for more than half an hour, or more if I did not hanged up. A'm I paying for the minutes? I can't believe that a prestigious company like American Express will make an error "twice giving me the wrong RSVP code!" My FICO score is [redacted], and a AE blue card holder, I dont know why they're doing this? I have applied several [redacted], and [redacted] cards with quick approval, with no problem.Desired Settlement: I want an explanation why AE is doing this, and I dont want them to deny it. It's not a coincident that this happened to me twice!

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 faxed them the document they wanted but I haven't heard anything back. I left a message on [redacted]'s phone (contact person from AE) will wait for her call.

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: they dont tell you on the [redacted] card they charge you $1 for every purchase unless you get it activated which is nearly impossible for most people! Then when you call they tell you different things!Desired Settlement: would like them to take away the $1 charge on the [redacted] card that they dont advertise on every purchase!

Business

Response:

American Express mailed our response to the consumer today.

Review: I applied America Express [redacted] preferred guest credit card, because an offer of 30,000 bonus point after you spend 5000 dollars with in 3months,thru a referral link, my card was approved and I spent the required amount,

the points was not issue to my account, so, I inquire, I was told the term is if you ever had this product before, you will not qualify to receive the bonus, the product showing if you did not have the product within the past 12month is a business card, not a personal card.(they looks exactly the same on the website) My issue is if this is the case, before they approve to my application, they should high light the question to the applicant, it is very obvious they know who previously has the product,otherwise how would they be able to deny my bonus point?

Amex could easily put in a box, "our record show you previously has this product, you will not be qualify for the bonus points, do you still want to continue your application?"

Further more, two of my relative also applied this Amex [redacted] preferred guest personal credit card, thru the same referral link, they both has this same product previously, they both receive the 30,000 bonus points after they spend 5,000 dollars,

why was I treated differently, what is the ground for unequal treatment, why am I treated less than an applicant than my two relative, names can be provided if necessary.(Desired Settlement: issue the 30,000 bonus points to my account, as they have issued to my two relatives who also previously has this product. who also applied thru the exact same link as I did

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:

1. Fair and Equal treatment: American Express not addressing my concern, using excuse of "Third Party Disclosure Laws and Amerian Express" privacy policy prohibit sharing certain types of infoamtion with non authorized accountholders. I did not request Amex to share third party info, if they read my complaint, they would see that I offer that my relatives who applied under the same link at the same time, also previous has [redacted] account. they did receive bonus points after they spent 5000 dollars. I stated my relative will offer their account information to Revdex.com, I did not request Amex to share third party information. They are not respond to my issue, instead try to use excuse to avoid respond to the real "Unfair and Unequal treatment"2. Promotional Offer: Again Amex avoid the direct response of confusing information, with two logo of Amex [redacted] card and Amex [redacted] business card looks exactly the same, one using term of if you have this card within the past twelve month, you are not eligible. One using if you ever had this card you are not eligible. to confuse consumers.3. Further more, Amex did not address the concern, on the application process, they could easily highlight to the applicant at the end of the process, our system find that you previously has this product, that make you not eligible for the bonus points, do you wish to continue with this application?4. Further more, Amex could send a letter along with the credit card issued to the applicant, we found that you previously has this product you do not qualify for the bonus points. at this point the consumer can decide if they wish to use this card or not, instead, AMEX mislead the consumer, let them spend 5,000 dollar on the card, allow their customer service to advise consumer, after 5000 requirement is met, you just have to wait 6 to 8 weeks, before the points will issue to your account.5. There are many steps Amex can take to avoid the misunderstanding, and to avoid unhappy customer.6. In view all the above points, I am requesting Amex to issue the 30,000 points to my account. I do not like to be treated less than other card holder, any reasonable person can empathize this, Again, Amex does not need to reveal other account holder's information, my relatives would be happy to supply and support my statement.

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]

Not acceptable

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 **, 2015. The consumer's additional correspondence contains no new information to which American Express can respond, therefore, no written response will be sent to the consumer. For additional questions we respectfully request you contact our Customer Service Department at ###-###-####. Representatives are available 24 hours a day / 7 days a week to assist. Thank You

Review: I was charged $49.95 by [redacted] on Nov.*, 2014 without my permission. When I noticed this transaction on my card I called up Amex Serve and they put it into dispute and credited me $49.95 and cancelled the card. Then I called [redacted] and asked them why would they do this without my permission, they also then credit my account back $49.95, and on Nov.**, 2014 my bank also transferred $20 to my serve account. After amex serve saw that [redacted] credit my account back they reversed there transaction, and then on Dec.**, 2014 I got an email saying the account had a negative balance. I then call amex serve and asked them where was my $69.95 they were suppose to refund me I was told by a supervisor that they did not owe me any money.Desired Settlement: DesiredSettlementID: Refund

How can this company just keep peoples money like that. I want a full refund of $69.95, and if they don't I would like to know how can I take legal actions against this company.

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 cannot except or reject American Express response, as I have not received this letter they mailed out. All I'm asking is for a refund of my money that was transferred to the prepaid card from my [redacted] checking account. I was told they could not issue me a refund check, because they don't have money on hand, per representative supervisor [redacted] at American Express.

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

Sincerely,

Business

Response:

The consumer's correspondence contains no new information to which American Express can respond. We must respectfully advise that American Express consider this matter closed.

Consumer

Response:

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

This should not be closed, because I did not get a full refund from American Express. If you cannot get this done, than I need to seek legal action.

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

Sincerely,

Review: Hello, I contacted customer service and advised them that I wanted to downgrade my [redacted] Skymiles American Express to a no fee card. They advised me that I couldn't do that without going through an entirely new application involving a hard credit inquiry.Desired Settlement: Have my account transferred to a no fee card, not requiring a hard credit inquiry.

Business

Response:

American Express mailed our response to the consumer today.

Review: On May ** 2015, I was offered by Mary and Ilene in the fraud department a $2426.76 credit when my statement closed. Due to 3 false fraud alerts.

On May [redacted] I was making a purchase to [redacted] for a vacation package. I was sent 2 fraud alert texts and approved both. My card was still declined as I was being called by American Express by phone for a 3rd fraud alert. I was not able to purchase the package as American Express had my card on hold. After calling Amex and approving the purchase via text 2 times and once by phone the package priced had increased by $2426.76. I called Amex back to complain. In speaking with Mary and Irene from the fraud dept I was offered they would pay the $2426.76 as it was their fault I had to pay more. I had approved the transaction 3 times and the delay caused the price to increase so they would pay the difference. It is now July [redacted], my statement has been closed for more than a month and I still haven't received the credit. I am continually sent from fraud alert to customer service and I still haven't received the refund.Desired Settlement: I want the refund I was offered on May [redacted] 2015

Business

Response:

American Express mailed our response to the consumer today.

Review: The first thing I would like to say to American Express, is that the past can’t be changed, but the future is whatever we make it. Over 10 years back I had American Express cards and they went delinquent because of health issues I was faced with over 10 years back and I had to file a chapter 7 bankruptcy over 10 years back.

It is over 10 years later since my accounts wear canceled with AMEX, and I recent just applied for Amex because I am very credit established today as we speak. I Filed Bankruptcy on [redacted], And [redacted]. And hear it is 10 years later and booth companies have reissued credit to me that I have had now for 2 years with perfect payment history. The funny thing is that I have A [redacted] card too with a generous credit line. After applying for an Amex card reference # [redacted]usd my application was not possessed because of American Express system recognizing my very old canceled accounts, and no credit pull was done on my behalf. After this I contacted AMEX to speak to new accounts, and they informed me that my Application could be forwarded to a supervisor for further processing and a credit bureau would be pulled. AMEX new accounts did tell me that just because my old accounts wear canceled that it does not mean that I could never have another new account. My application was sent to a supervisor and was declined due to AMEX canceling my old cards from 10 years back, and I have the letter AMEX sent me in the mail. Not for anything AMEX, this is no way to grow new business. I want corporate involved because I have had a complete run around. And I feel that I have been violated because I was told by new accounts that AMEX does issue new credit to people that have had their old accounts from a long time back canceled. I feel that if Amex never gives people a chance again that had an old account that was canceled, that the company really should post that on their new applications.Desired Settlement: I would like a chance to be a card holder again with this Company, I would like to be treated fair as a consumer.

Business

Response:

American Express mailed our response to the consumer today.

Review: I have 5 prepaid rewards cards that I received for submitting rebates. [redacted] didn't clearly disclose all the terms of he cards and drained the money from them based on charging $2 monthly fee. I would like to get my money back.

Cards in question:

All cards state an expiration date in 2021 on the front. However, the cards are truly not good through 2021 because [redacted] charges $2 monthly fee for non-usage and drains all the money way before 2021. This is very misleading. On the back of the card it says that the $2 fee will be assessed starting 5 months after card issuance. However, nowhere on the card is the information on the issuance date. [redacted] chose to put a bogus 2021 date to mislead people. Issuance date has to be on the card if it determines the charges. The issuance date was also not included in any documentation I received from [redacted] with my rebate prepaid reward card.

I would like to get my money back.Desired Settlement: I would like to get my money back.

Business

Response:

[redacted] mailed our response to the consumer today

I have been a American Express customer for quite some time now and every time I have called customer care they failed to address my concern in a professional manner. Highly disappointed from a brand that is known worldwide. Would not recommend the card to anyone

I opted for an American Express Serve card while shopping at [redacted] in order to make online purchases, pay bills. The [redacted] employee "sold" me on how great it was and when I asked her about if I needed cash or wanted to close the account, she replied, "It's easy, just come to walmart and tell them you want to empty your card.

Everything was fine until I needed cash. I read the details that explained that if I wanted to use an ATM, there would be a fee from both Amex and the ATM holder unless the ATM was a Money Pass ATM. There is ONE in all of south Asheville.

Day comes when I need cash. I go to said Money Pass ATM so I will not incur fees. This ATM does not even give me the option of withdrawing any money. I used a different atm and got charged of course. I figured that maybe since it was the weekend, maybe this ATM was out of cash. But I tried again the next day, Sunday. No luck. Went back during business hours on Monday and asked the tellers what was going on with the ATM. They reported that all was fine with all other transactions.

I call Amex serve twice and both times it had me on hold so long that the line just finally went completely silent. When I called the third time and actually talked to a person, they didn't have any concrete answers and seemed lost.

I go back to [redacted], which was another trip I didn't want to make to empty my card. The Kiosk that I bought the card at is no longer there and none of the employees can help me, including the supervisor. I simply could not withdraw cash AS I WAS TOLD THAT I COULD.

The ultimate solution was that I had to go to the website (not the app, the app was ineffectual for this) and authorize money as if it were some kind of [redacted] moneygram. Which of course cost a good fee. Armed with my ID and my verification number, it took three employees 20 minutes of verifying and verifying and verifying for me to finally get my money.

If all was fair in this world, I would like to be reimbursed for my time and the money spent to get my money. In all honesty, this smacks of a SCAM. Amex wishes to keep your money as long as they can to make money off of it. I will tell every person I ever meet the trouble Amex has caused me and I have a fairly large social network.

Review: In May of 2011, I signed up for an American Express Gold Card with the annual fee waived for the first year. I did not use this card at all after November of 2011 and all payments were made on time. The card had a $0 balance. In May of 2012, I received a notice of annual fee for this card and I called immediately and cancelled the card. The fee was removed from the account and as far as I was aware the account was closed. In January of 2013, I received a marketing offer from American Express for a Platinum Card. If I open an account and spend $3000 in 3 months, I would receive 100,000 points in the American Express Rewards Program. There was an annual fee of $450 but this was worth the investment to me for the 100,000 points. I did not believe that there was otherwise any reason to pay the $450 to get this card as I didn't know whether the benefits of the card would be worth an annual $450 fee. When I received my first statement, I called because I was concerned that the "Pay by" date provided a window of less than 2 weeks from invoice date to payment due date. The representative explained that the pay by is a suggested date but that the payment was not actually due until the end of the next billing cycle. While I was on the phone, I asked him to confirm that I was signed up for the 100,000 point program and he put me on hold and came back confirming my enrollment. I met all of the requirements of the program, paid my $450 for the membership fee and then waited for my points (up to 6-8 weeks from the end of the initial 3 months which ended in April). Also in May of 2013, I received a statement (my first statement in over a year) for the Gold card that I had cancelled in May of 2012. The statement included an annual membership fee (I think it was $160). I contacted American Express and asked what was going on? I had cancelled this card in the prior year. They should have record of my cancellation. Why was I receiving a statement now with a membership fee on a card that I cancelled? The representative apologized for the error and said that they would cancel the card immediately. This is where the problem was created with the Platinum Card and the 100,000 points that I was supposed to receive. When the points were not applied to my account in 6 to 8 weeks, I contacted Membership Rewards and they told me that they can't issue the rewards because I had an active card within 90 days of entering into the agreement on the Platinum Card and therefore I do not qualify for the program. They will not budge (I have tried) because it is not the Membership Reward department's issue that American Express Customer Service failed to cancel the card at the time that I had directed them to do so. After all, they have no way to resolve an issue caused by Customer Service. So now I am stuck between 2 departments, with different decision makers and a complete inability to get together and recognize the error was not the consumer’s fault. As for Customer Service, it should be simple to track. If you ask 3 simple questions, you can verify my statement. 1. In 2012, was the consumer billed an annual membership fee on the card? YES. 2. Why was the membership fee waived in 2012? BECAUSE THE CONSUMER CANCELLED THE CARD AT THE TIME THAT THE STATEMENT INCLUDING THE FEE WAS ISSUED. 3. Did the consumer use the card at all between May of 2012 (when he said that he cancelled the card) and May of 2013 when he notified us that he received an annual membership fee on a card? NO, HE DID NOT. Based on this information above, there is no reason that I should be denied the reward points other than a marketing bait and switch scam and I know that American Express has to be better than that. Surely, I am running into red tape with phone operators and you don’t practice business in this manner in order to collect a $450 fee from a consumer. The information that I provided should be readily available on any account review. Please help me resolve this issue so that the Membership Rewards Program can add the 100,000 points to my account.Desired Settlement: Apply the 100,000 points for the Platinum Card program to my Membership Rewards Account.

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,

Review: I purchased your card and loaded $200. I was really impressed with your service and only had to make 1 call to actually get the card to work. I decided to add funds to the card the same day I purchased it and discovered that I could not. I called and spoke to a second customer service agent who assured me I could and was sent back to Walmarts to try again. I tried a second time to add funds to the original card and was not able. I tried everything that I was told by customer service and even got a 3rd rep on the phone while at Walmarts. The 3rd rep told me that the second rep was wrong and that the card could not be reloaded and I would have to wait for the real physical card. I decided to purchase a second card after almost 2 hours of wasted time and miss information. I went home but was unable to activate the second card due to already having an account. I called in and spoke to a 4th customer service agent who told me that everyone was wrong and that the original card could be reloaded and that rep 2 was right and rep 3 and Walmarts was the problem. Seems to me that your people need to be better trained and actually know the product they are doing customer service on. You have wasted several hours of my time and cost me additional money for a second card. Not a good way to start off... The 4th rep did activate the 2nd card but told me that once the funds are expired, I would have to throw out the card.Desired Settlement: I want to be compensated for all the misinformation and the additional money spent on the second card. I want you to properly train your people. Each one of the 4 reps had to put me on hold to get the answer to my questions. Nice!

Consumer

Response:

I want the company to refund me for the second card and make sure that my account is properly set up. It would be nice if they did something to offset all the time their misinformation has caused and taken from me.

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,

Yes I did. They fixed the problem and I am satisfied. Thanks for your help!

Review: I was a seven year card member with american express. I opened a new card with them to take advantage of a balance transfer offer. I applied and was approved. I was told the card would arrive and then a welcome letter would arrive shortly after, explaining the details of the card. I waited for cards and the letter to arrive, and then contacted them to process a balance transfer. My account was opened on August [redacted], 2014. The welcome letter arrived September [redacted], 2014 and I contacted them on September [redacted], 2014. I was told I was too late to take advantage of the offer. I spoke with a supervisor via online chat, who had me call a balance transfer division who all refused to help me. I was also refused when I asked to speak with the phone representative's supervisor. There offers are very misleading.Desired Settlement: American express lost a seven year card member. I would like them to explain why, when their policies are so misleading, they are willing to let me business go over 48 hours

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,