American Express Company

Review: Last fall, my husband and I began receiving statements from American Express stating that our accounts would soon be closed due to inactivity. Neither or us have ever had an American Express account. We received several of these notices, in each or our names. I finally contacted the office to report the situation. Last summer we did receive a credit card offer from American Express Sky Miles, but there was no card, and it looked like it had been opened. Since it looked like junk mail, we didn't think anything of it and threw it away. We told the operator at American Express this and stated that we have never had a card from them. At the time, the customer agent told us not to worry about it. She closed the accounts, and she assured us that we would receive no more notices, that any charges on this account would be erased, and I could consider it closed.

Today a bill from American Express came in the mail with charges amounting to $648.89 in my husband's name.

We are getting very upset about this. Not only are these charges fraudulent, if a payment is not made soon, our credit rating will take a big hit as well.

In order to try and clear this up today on the phone, the agent insisted that my husband give his social security number. Of course, my husband was very leery of doing this and refused. Finally, she told my husband that this account is now considered closed, but I am nervous. I don't trust them, since they were supposed to close both accounts before and didn;t.Desired Settlement: I would love it if we could somehow be assured that these fraudulent accounts are truly closed, and that any delinquency attributed to myself or my husband on the account be amended so that it will not negatively affect our credit rating.

Business

Response:

American Express mailed our response to the consumer today.

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: 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,

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.

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

Review: I spent $50 on 9-1-2015 and $150 on 10-*-2015 on united airline product. But I only received $150 in total for the airline credit on my card ending 81006. AMEX still owe me $50Desired Settlement: give me the remaining $50.

Business

Response:

American Express mailed our response to the consumer today.

Review: Filed a dispute over a month ago involving a 200 dollar dispute. I submitted supporting documentation stating that the company had promised to refund me the money but they did notDesired Settlement: 200 dollar credit on my card

Business

Response:

We responded to the consumer via written correspondence today. Thank you.

Review: American Express has locked my card from being used. They tell me due to "Fraud".

However, I can't get a call back from American Express, and they won't tell me anything about my account when I phone them.

I want someone from American Express to call me and tell me what is going on with my account.

It's been almost a week now.Desired Settlement: I want someone from American Express to call me ASAP, to tell me what kind of fraud is happening with my account.

And when I'll be able to use my card again.

And an apology from their "Fraud" department for treating me like a criminal over the phone, regarding my own account.

[redacted] ###-###-####

Business

Response:

We responded to the consumer via written correspondence today

Review: This alleged [redacted] insured prepaid debit card bank is stealing money from my account. I have been monitoring them and When I tried to open up another account through [redacted] for Veterans they allowed the transfer [redacted] of funds, and suddently on the [redacted] of this month the funds were returned and have never returned to my account.Desired Settlement: I am demanding they pay back all funds including the 30 dollars within 24 hours and if not These criminals must be shut down

Business

Response:

We responded to the consumer via written correspondence on March **, 2015. The consumer needs to allow 7 – 10 days for mailing time.

Review: Promotion mileage not received. Unable to meet purchase requirements due to not receiving card.

Signed up for card and promotional offer while registering for a Delta flight in Nov. Flight was charged to card yet I never received the card. I contacted Am Ex in dec as I tried to pay the card online and couldn't register it as I didn't have the card with a security code. Am Ex agent helped link the card to my existing account, but could not confirm if the promotion was set up.

I called for new card in Feb, but agent couldn't confirm if the card would still be linked to the promo and to wait for my statement or check with Delta. I emailed delta twice, but they just directed me to Am Ex to receive proper assistance.

I contacted Delta on 3/**and they offered me no assistance.

It has been very time consuming in the issues I fed trying to pay my initial statement, requesting a new card, and trying to get my initial promo properly synced.

I feel I am being punished for not receiving my initial card and I had told them in Dec and Feb I didn't have one. They reissued on 2/**(4 days after the initial 3 mo promo period ended).Desired Settlement: Seeking the promo to be effective when I got the card and the 50,000 delta miles issued to my skymiles account. Per Delta,

"If you have bonus miles that have been rejected, please have your American Express representative contact their liaison to resolve the issue and complete your transfer."

In talking with Am ex and a [redacted] they both explained there was nothing they could do. Very unpleasant experience.

I would like to cancel card if I am not going to receive the benefits that promp

Business

Response:

We responded to the customer via written correspondence today.

Consumer

Response:

[redacted]

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 yet received the written response indicated to be sent by this business.

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

Review: I received offers twice from American Express regarding a pre-approved/qualified letter of credit card with American Express. I was denied 3 times because of the first time I applied myself.

After American Express falsifying my pre-approval/qualified letter and conniving me into believing that I would be offered a credit card as mentioned, American Express is deliberately running a hard credit inquiry against my credit history and negatively impacting my credit score when they are aware of the fact that I was never pre-approved nor pre-qualified.Desired Settlement: Explain why am I being sent pre-approved, pre-screened, pre-qualified offers and letters when American Express is aware of my financial standing and deliberately and unnecessarily affecting my credit history in a negative manner by performing a hard inquiry against my credit history.

Business

Response:

We responded to the customer via written correspondence today.

Review: There are several issues that I have with American express merchant services. The first is they incorrectly input my company tax id number. That resulted in them erroneously withholding taxes on my corporation. They admitted their error and said they would return my money in 7-10 business days. On the [redacted] day they called and said oops its not being returned!! The is irs tax law that requires that they send the money back. The other issue is the customer service. I got passed from person to person then the final purpose was awful, arrogant and condescending. He told me I couldn't talk to anyone that could make a decision? I have used American express in my business for over 20 years but will not again!Desired Settlement: Return the 8,500 erroneously withheld

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 have a card with Amex Serve and was needing funds that was directly deposited to the card I was not given a replacement card when my original card was compromised so I had to link a bank account to the card to retrieve my funds because I had to buy [redacted] medications and with the process of American Express it says it takes up to 5 days to process transfer which is understood but minutes after making transfer I call to cancel it and was told in the user agreement that it says you can't cancel transfers after they are started which upon further review of policy with numerous representatives and managers I found that I was misinformed and the policy doesn't say it and I was not given the option to cancel the particular transactions and the advice me that my money will be held until they process it which will cause serious complications from me not receiving [redacted] medications.Desired Settlement: I want my transactions cancel and also my account cancelled after I retrieve my funds

Business

Response:

American Express mailed our response to the consumer today.

Review: I have requested a charge back for the amount of $4,389 back to my AmEx on 2 separate occasions.

Claim Number [redacted] Claim Number [redacted] I am starting to believe I am dealing with a complete crew of outsourced third and fourth rated incompetent representatives who cannot understand a basic customer claim made in English. I live in the United States and I expect things to be done the right way versus "screw you customer, now that we have your money, we don't care if we misrepresented what we sold you, now these are our terms and you must abide by them! You have no voice in the matter. There's hundreds more like you. We don't care about customer loyalty or your satisfaction, or if you'll ever come back because there's hundreds more just like you!" Seriously? Because that's what I'm hearing and I sure hope I am wrong.

On both claims I was told by AmEx representatives that per merchant policy, AmEx cannot honor the charge back due to [redacted]'s policy on custom made orders. "That is a legal matter" was what the last AmEx representative told me. Problem is, I am NOT disputing their policy. Their policy is null. Thank God I live in the United States and being lied to by a merchant is illegal. [redacted] never disclosed at the time of purchase that if the product was faulty/defective I would have to eat the bill regardless of right and wrong and that [redacted] would go ahead and send me the replacement sheets whenever it was convenient for them. Wait? Did I just enter the Twilight Zone? Let me explain what transpired. What I purchased is NOT what I received. My claim is not about [redacted]'s policy, it has to do with the fact that the merchant ([redacted] - specifically [redacted]) sold me a quality product and what he sent me was quite different from what I purchased. I received faulty/defective merchandise for a custom made sheet I ordered which I had expedited ON PURPOSE due to time constraints at the time of placing the order. I needed to receive the sheets before September 2014 and [redacted] was made well aware of my time constraint at the time of placing my order. He assured me everything would go as expected, charged me an additional 10% to get the order expedited through production, and I was well on my way to receiving a beautifully custom-made Italian bed-linen before "[redacted]'s" one month Holiday in August 2014. I couldn't have been happier. What happened next was not on my radar: the sheets I received where far from being the "luxury quality sheets" I ordered. I received them in late July 2014 (order was placed beginning of June 2014). However, upon receiving them, I immediately saw that THE SHEETS WHERE DEFECTIVE. The merchant/factory cut too much of the peracle fabric and when they went to sow on the lace in lieu of the portion of the peracle fabric that was cut, the sheet and lace created an unevenness of fabric, very apparent when you fold the sheet over. The top and bottom part of the sheets did not line up. There was a difference of about 1-1.5 inches on the left and right sides. So, like any normal human being, I contacted the merchant, expedited back the new and unused defective merchandise, and requested one of two solutions a) a custom replacement sheet before September 2014, or b) cancellation of the order and refund. The merchant's reply? They are unable to meet the deadline of September 2014 to send me a replacement sheet because the factory in [redacted] was going to be closed for the majority of the month August 2014, and they were also not going to be cancelling my order or refunding me back because special order items are non-returnable. They sent me a bad product and now they don't want to refund me? WAIT. Surely this merchant isn't based in the United States, or is it?

Hm, your factory is closed in August, eh? Why is this now MY problem? What [redacted] suggested next was that I keep the faulty sheet, use it, and that he would go ahead and re-create another sheet and send it to me later on once the factory re-opened. Later??? I told him that his suggestion was NOT O.k. by me and that his solution was unacceptable. I had not agreed to that - not before, not now. He basically told me to go an eat turf and that the sheet was non returnable. What he did next shocked me. He re-sent the same faulty/defective sheet without my permission and ignored that I had already asked him NOT to send any items back to my address without my agreeing to receive them first. He went ahead and sent it anyway and I know this because he told me in an email that he re-sent the same faulty sheet, which I refused and returned to sender.

If the merchant cannot meet the deadline, this is NOT my problem. So, why are they making it my problem? I don't care if it's a non-returnable item, what you made is NOT what I ordered and you can't oblige a customer to pay for an item that was NOT what I ordered. Had the sheets been fabricated without defects AND delivered before the September 2014 deadline rest assured I would not be disputing this charge. I was transparent with [redacted] from the get-go and he was made well aware at the time of purchase that I needed the sheets before September 2014. NO WHERE ON [redacted]'S WEBSITE/POLICY DOES IT STATE CUSTOMER PAYS FOR MERCHANDISE RECEIVED REGARDLESS OF ERROR/SHORTCOMINGS ON OUR PART. Am I clear? I sure hope so. Because that's where I am drawing the line. Thirds time's a charm. This will be the last claim I open in regards to this dispute. I sure hope American Express can get it right this time. I expect to be refunded for the amount of $4,389 on my AmEx.

I do not have the sheets in my possession. [redacted] has possession of the sheets. [redacted] (sent back defective merchandise) [redacted] (same defective sheet redelivered by [redacted], and refused by me) - this is not acceptable.Desired Settlement: Refund for the amount of $4,389 back to my American Express credit card.

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:

[Merchandise paid for and received from merchant was defective upon receipt. Product left the warehouse defective. Items were not inspected prior to delivery from warehouse. Defective merchandise has been returned to merchant. I am not willing to work with this merchant as I did not obtain the replacement product within the time-frame needed. I am requesting a dispute authorization in the amount of $4,389 reversed back to my American Express credit card.]

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. Please note that American Express considers this matter closed. Unless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.

Consumer

Response:

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

What is the name and title of the AmEx representative working on my account? To this date, no attempt to resolve my claim has been made. Please advise.

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

Sincerely,

Review: Now I understand why many vendors don't take American Express. On my October **'13 closing bill the previous balance was $4,244.36, and the payments and credits were $4,279.97; thus, I made an overpayment of $35.61. American Express got paid more that I owed on my previous balance, but did not pay me interest. However on my 11/**/13 closing statement my previous balance was $661.67, but I miscalculated my payment of $576.35. AMEX promptly charged me $16.51 for an unpaid balance of $85.32, for ONE MONTH, entailing $20% of the unpaid balance and a whopping $240% per year. On my statement ending 12/**/13 my previous balance was $1,108.49 and my payment and credits were $1,122.96, an overpayment of $14.47, However, even though most of the months I end up with an overpayment, just because on the previous month I miscalculated once the payment for $85.32, and this month I overpaid, AMEX again charges me interest for two months in a row, this month an amount of $21.97 for this one month that I overpaid the balance. AMEX tried to explain their convoluted policy. One time I opened a savings and when I deposited a check it took AMEX almost a month to release my funds. AMEX seems to be accustomed of abusing their customers. I have been trained as a CPA and can tell you that such abusive policies are not acceptable. If AMEX don't help me through the Revdex.com and refund my money, I will file a complain with the FTC. Thank you for your help.Desired Settlement: $38.48, since I made an error one time only, I am a good customer and overpay my monthly balance most of the time.

Business

Response:

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

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:

No the company did not resolve the issue, they just evaded the issue. AMEX sent me a letter denying my claim and explaining the convoluted policies; which, I disagree with, and are illegal.

The letter was signed by [redacted]

Thank you for your help.

Sincerely,

Review: As of 11/**/13 I had $201,218.75 in an AmEx Bank savings account (as per bank statement) bearing 0.85% interest. On 12/**/13 I called the Bank, wishing to transfer $100,00 to another account, after it proved impossible to do this on the Bank web site. The woman I talked to sounded so uncooperative and devious that I decided to close the account and have no more to do with AmEx. She said a check would be sent out on Monday 12/**. I instructed her to send it by an overnight service. At 6 PM on Friday 12/**I received a check for $201,326.05, representing the status of the account on 12/**. Since area banks are closed over the weekend, I could not deposit the check until 12/**. AmEx sent the check out negligently late and did not keep the representative's promise. At 10:30 AM 12/** I called the Bank to complain about all the time the Bank held my money without paying interest, as per their advertising and other statements. I talked to [redacted] employee no. [redacted]. She said she would try to get me an adjustment. On or about 01/**/14 a woman from the Bank called me and said she will try to get an adjustment of about $107 processed for me. She called me a few hours later to say this had been denied and I told her I would file this complaint. In my view, the Bank should pay interest thru Sunday 12/**inclusive, an additional amount of $28.12. Any Internet bank should make it easily feasible to transfer funds to other accounts through the bank's web site. AmEx does not do this, only if one is clairvoyant enough to know where one will want to send money way in advance to one single pre-selected account. AmEx also does not respond in a timely fashion to customer instructions, preferring to sit on other people's money without paying interest. If this had been handled in 2-3 days there would have been no complaint.Desired Settlement: Payment of $28.12.

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:

The Bank's letter did not address the substance of my complaint. I cashed the Bank's check ASAP upon receipt. The check arrived later than what the Bank initially proposed. The delivery service they used was unconscionably slow, certainly not an overnight service. I believe the Bank is responsible for interest corresponding to the period they held my money.

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 had an account with them I faxed them over papers about my house getting robbed and a family memeber getting shot.When they entered my house they took our wallets purse and valuable things they kept using my card I filed dispute and reported my card stolen they kept sending it the the old address [redacted] where I havent lived at since the incident happened on may ** 2014 they closed my account after my cousin [redacted] sent me money for 400.00 they never refunded my account or sent me my check.Desired Settlement: Just give me my money of 1,800.00

Business

Response:

American Express mailed our response to the consumer today.

Review: I was offered a credit card , all the docs I got in the mail said credit card. It never said charge card so I maid payments like a credit card

I was offered a credit card , all the docs I got in the mail said credit card. It never said charge card so I maid payments like a credit cardDesired Settlement: I want them to correct the bad record on my credit beacuse I always made payments on my card

Business

Response:

American Express mailed our response to the consumer today

Recently opened up a "Premier Rewards American Express Gold Card". This card requires you to pay off your balance each month and earn points along the way. The first month our bill was over $8,500 and was of course paid in full before the due date. Half way through the second month our card was blocked at $4,000 and I was told to make a payment before the due date to have the card unblocked. We spoke to four different American Express representative including a "supervisor" named Steven H[redacted] who was the rudest one of all. They informed us that the "system" has to learn your spending habits and will block the card intermittently. I informed the representative that being out to dinner and having your Amex CC declined over and over is embarrassing and makes your customers feel like they have done something wrong. Stephen H[redacted] told me that if I want to be sure the card will go through, just check the app for "available spending" prior to every purchase for the next 6 months as there is no limited dollar amount that we should stay under to ensure we won't be declined. Really??!!?? That is the answer? With an 800 credit score and 200k income per year I think it is ridiculous treatment of your customers. How do you even stay in business with a system like this and people like him representing AMEX. GO SOMEWHERE ELSE WITH YOUR MONEY, I WILL.

Review: My card was cancelled after only 3 Months!! I was told I had a low FICA score and overwhelming debt in my name! I wasn't given an email nor a warning about anything funny going on with my account I was also told that my account was pass due. I sent out to Cashier check which when I checked with the back they were cleared by American Express. I got off the phone and contacted the 3 Credit Bureau and saw my score and my credit history and it was nothing like they said!! I do have a remaining balance with them but was told to have someone to American Express Investigated before my last payment I can always dispute things off my credit just because I fear they have mixed me up with someone else. They had me down with no job and no income at all! I don't want this on my credit but I want American Express to make sure my account closes with a good mark. I have been looking them up and i'm not the only claim like this also they have been pulling my credit since I got the card and has given my info to others to pull my credit too!! I would like to have my point that I had builded up into a gift card I earned those! I'm still waiting for a letter tell me why my card was cancelled but I haven't gotten one of those yet!Desired Settlement: I don't want any phone calls I just want them to make sure no bad marks on my credit because of them!! And all my earned bonus point I have earned!!

Business

Response:

We responded to the consumer via written correspondence today