American Express Company

I have had an American Express Serve card since April of 2015. As a small business owner, I have found it to be enormously useful. It allows me to conveniently separate my personal and business transactions, and in so doing, makes the process of differentiating between business and personal expenses much easier. I love how easy it is to put cash on, whether it is via direct deposit (ACH), having a customer who happens to have a Serve card pay me via a transfer to my card rather than another form of payment, buying a [redacted] money order and e-depositing it onto the card, etc. Also, the Serve card only charges me $1 per month. I can have a very high maximum balance as well - the card can hold up to one hundred thousand dollars.

The Amex Serve card is one of the best prepaid debit cards out there. They don't nickel and dime you, or try to charge you something ridiculous like ten dollars a month, or charge you to speak to customer support, or charge you per transaction (I'm looking at you, Rushcard).

I highly recommend this card to anyone who wants to spare themselves the trouble of dealing with the big banks, and in particular to any business owner who wants an easy way of completely separating their personal and business accounts.

Review: My American express card was violated and in addition to attempt make massive charges, per American express representative they requested an address change and replacement cards. They also made a payment in the amount of $2**3.51 from my checking account on 06/**/**15. This payment cleared my account on 06/**/**14 and was not authorized by me. The Fraud department was aware that this payment was made fraudulently and I was advised by the representative on 06/**/**14 that the [redacted] was noting this in addition to the fraudulent charges made. I was then advised if I were to incur any late payments as a result to advise them.

However, as of this date I have not received any resolved. On 06/**/**14 I was advised by amex that a provisional payment in the amount of $A2**3.51 was being processed and refunded back to my account and I should received the payment within 24/48hrs.

On 06/**/**14 I received a call from a representative that he was in the processing my payment.

On 06/**/**14 I called to confirm payment status and was again given the standard answer 24/48 hrs. I

On 06/**/**14, I called again and was advised by the representative that they had credited the $30.00 plus $2**3.51 to my amex account. I asked how can you credit my money that was not owed to you to my account and this is contrary to what I had previously been advised. I requested to speak with a [redacted] because I explained that they have placed me in a financial burden as I need to pay back money I borrowed to pay my bills. [redacted] by the name of [redacted] came on the line and after reviewing my inquiry explained that a refund should have been wired transferred back to my account as the fraud department close this issue on 06/**/**14. He then stated that he would need to call me back the following day because he needed to send an email to the [redacted] responsible for the transaction.

On 06/**/**14 he called me back again and explained that I was a vicitim of identiy theft and as result my inquiry has been returned back to the fraud department and it would take about 30 days. I then explained that this is unacceptable and I annoyed that each time I call this company I receive a different answer. I then requested to speak with a [redacted] in the Fraud department. Mind you I am at working trying to get this issue resolved. Afte being placed on hold for ** mintues,. someone by the name of [redacted] came on the line; however, I was using my cerll phone in the call was inadvertently disconnect. I waited a few minutes hoping she would call back and wehn she did not, I attempted to call the number reflected on cellphone when [redacted] called. However, this was unsuccessfully as I received a fax tone.

On Saturday, 06/**/**14, I received a letter from amex advising that they inadvertently applied debits totalling @2**3.51 to my account. To correct this error the adjusted credit adjustments to my account. If I needed to communicate with them further I should setup an email via their website.

On 06/**/**14 I called them again to ascertain my status. I was transferred to the specialty department and conferred with someone by the name of [redacted]. After verifying my personal information she placed me on hold and return by stating that she could not release any information because information on my account had been updated on 06/**/**14. I explained that the only info updated is the security pin I was advised to change and this was presented at the onset of this call. She then stated that my cellphone is not verified. I explained to her that you only asked for a number to call back in the event we were disconnected. I advised that I was calling from my work extension and should we get disconnected to call back via my cellphone. She indicated okay. She refused to communicate any info to me. I then expressed my frustration and requested to speak with a [redacted]. Once I again, I was placed on hold for about 2 to 3 minutes. She then returned stating that a [redacted] was not available. I expressed to her that this has gotten hold and I do not appreciated the customer service I have received since 06/**/**14. She then stated curtly that she understand my frustration but she was warning me that I needed to maintain my professionalism. I explained that how dare she speak of professionalism when amex has not exhibited any professionalism. I have received nothing but a bunch of lies and misinformation, yet I am still financially burdened with no resolve. I then hung up.

I went online to see what other recourse I had for presented my complaint as I have been unsuccessful. I then learned from other blogs that this is amex reputation for not refunding funds they were not entitled to received and the customer service is poor.

All despite refunding my funds, they did not hesitate to federal express me a new card which was placed on my porch within 48hrs. Yet they each express that I am a victim of identity theft. I took the necessary actions by contacted the 3 credit bureaus etc. However, as of this date I have not received my money and I have bills to pay and friends to repay.

I am a Veteran of the Unites States and have been a loyal customer with amex since [redacted]. I only request that they refund my money.

I thank you in advance for any assistance you may provide.Desired Settlement: I need to repay money I borrowed to pay my bills and pay other bills due. I would like to have my money returned as advised promplty

Business

Response:

American Express mailed our response to the consumer today.

Review: Denied Costco TrueEarnings credit card based on credit report. Wrote letter explaining 4/**/14. No response.

This letter was sent. No response from AmEx.

American Express 4/**/14

[redacted] I applied for a Costco TrueEarnings Card and was issued a card ending in [redacted]. I received a letter denying reinstatement for the following reasons:

Collection agency record. Collection agency says I owe $136. I disputed the allegation. I have documentation that I paid the creditor in full prior to them turning the account over to collections.

Too few accounts currently paid as agreed. I don't have any mortgages; I own 2 residential and 2 commercial properties besides my principle residence outright.

The derogatory public record is too recent. Only just became aware of this matter and have disputed this allegation.

No recent information about installment loans. I had two American Express cards since 1996 that were paid in full each month. Each card had a monthly amount due and was always paid in full. Those cards were cancelled because the corporation I worked for filed bankruptcy. After the bankruptcy filing, I paid both accounts in full prior to the due date.

I don't understand the reason for denying the issuance of a Costco TrueEarnings Card. None of the reasons cited makes any sense to me. I don't need your credit card, but it is a convenience.

Please reconsider your decision and issue me a Costco TrueEarnings card.

Thanks, [redacted]Desired Settlement: I would like to be issued a Costco TrueEarnins Credit Card. I had two since 1996, which were paid in full. Both were cancelled in Feb. 2014 because the company I once worked for filed for bankruptcy. I have called AmEx and they confirm I had zero balance when the cards were cancelled. Now they won't issue another based on Credit Report which I explained in the letter to them.

Business

Response:

We responded to the consumer via written correspondence today.

Review: Several weeks ago, I used [redacted]'s Name Your Own Price bidding system to book a hotel in a specific neighborhood of [redacted]. [redacted] intentionally placed me in a hotel just barely across the line in this neighborhood but what is still in an unsafe area rampant with crime and also neglected my star rating order of 2.5 stars, as the hotel was old, run down, had several complaints of rats and vermin, lack of hot water, and bed bugs. [redacted] refused to do anything to alter the order even with Revdex.com assistance.

Because what I received was so wildly different than what was advertised on [redacted]'s website and they refused to make it right, I opened a dispute with American Express who estimated it would be 6-8 weeks before I would get a response. After about 6 weeks, they decided in [redacted]'s favor because [redacted] provided a copy of their "no refunds" agreement. However, this is unenforcable by law because they did not provide the service that was advertised. American Express, who must be in bed with [redacted], rolled on me, their customer, in favor of the merchant, disregarding all concepts of basic customer loyalty when I was scammed. Now I am being scammed by American Express because they are my last line of defense and they are actively working against me.

After complaining via live chat with multiple supervisors [redacted] and [redacted], the ultimate resolution was that AmEx would do nothing other than reopen the dispute. The agents confirmed to me that this would mean waiting up to another 6-8 weeks. They reopened the dispute on 3/*/15 and closed it again on 3/*/15; which is only 4-5 business days. Given the timeline of the last dispute, it is physically impossible for them to have adequately reopened the dispute and given it an objective look and communicated again with the merchant in such a short amount of time.

Once again I was connected with [redacted] who maintained that AmEx was unable to proceed because [redacted] submitted the agreement that said it was non-refundable - the exact same documentation they sent the first time around, furthering my belief that AmEx did nothing to reopen the complaint. [redacted] claimed that American Express is unable to fight for me because they already gave the money to [redacted], which is a bold-faced lie because as a small business owner (who will henceforth stop accepting American Express), I accept credit cards and get the funds deposited to me by [redacted] within 3 business days - if a dispute is later opened against me, they can withhold my future payments to satisfy that debt. So American Express is simply lying that they're unable to do anything because the money's already been sent to [redacted].

Furthermore, I've never had such a problem with [redacted] or [redacted]. In fact, [redacted] once got information from a merchant I was disputing against that decided the case against me. When I complained that the resolution wasn't right, they simply credited my account the amount and took it as a loss. THAT is good customer service and loyalty, and American Express could stand to learn some of it. Clearly AmEx does not care about their customer and can't even provide coherent details: most of the chat agents so far have spoken broken English with poor grammar and missing words, and one of them even strongly implied to me that the issue had been resolved in my favor because he said the "merchant supported (my) claim."

AmEx is an absolute customer service and customer loyalty disaster and it's simply no wonder why my main job has dropped them as our corporate card provider and why [redacted] has told them to get lost too.

Relevant dispute IDs: [redacted] and [redacted]Desired Settlement: I expect a credit to be applied of $238.80 (the dispute amount) to my AmEx account. I don't care how you get it - from [redacted] or out of your own funds as a customer service - but do it. Otherwise I will take American Express to court for aiding and abetting this fraudulent transaction and defending [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:

American Express has not adequately answered this complaint. They are obsessed with mailing things which take several business days to receive to my PO Box which I only check every week or so. If American Express truly cared about this complaint, they could have at least invested the time in pasting their response here.American Express has neglected to provide the Revdex.com any details about their proposed resolution. If the Revdex.com is to act as a mediator in this situation, it should be required that all correspondence be posted through the Revdex.com site for Revdex.com staff to review.

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 March **, 2015. While we appreciate the consumer's feedback, the consumer's additional correspondence contains no new information to which American Express can respond, therefore no response will be sent to the consumer.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:

How on earth can American Express not only seriously consider the matter closed when this is a matter of their poor customer service skills, but also DEFEND THEIR ACTIONS in ALLOWING fraudulent transactions?I am so livid that I cannot even begin to express it. I am calling now to cancel my American Express card and will press charges in court tomorrow morning. I sincerely hope the Revdex.com will give American Express a big F on this case.

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

Sincerely,

Review: I am currently the cardholder of the Delta Platinum credit card. One of the benefits the card provide is a Delta domestic companion certificate each year. I didn't receive a companion certificate last year and called to have it issued. I recently noticed that the companion certificate I received was the gold card version of the companion certificate that charges additional $99 to use. When I called in regarding the matter, the customer service rep claimed this companion certificate is for the Delta gold card I used to have, whose attitude is also snappy. I have the platinum card for nearly two years and I should not be having this issue. I have always believed American Express is a provider of excellent customer service and hence I've been willing to pay the significant annual card fee that comes with the card. I'm very disappointed in the service quality of the American Express customer service in this instance and I will reevaluate whether it's worth it to pay the annual fee for this card or any American Express card in the future if this matter does not get resolved.Desired Settlement: Replace the Gold Card companion certificate (requiring $99 fee) with the Platinum card companion certificate.

Business

Response:

We responded to the consumer via written correspondence today.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I made a purchase for a floral arrangement online. When the company failed to make the delivery, return my calls, and return my emails, I called American Express (SERVE) to cancel the purchase. Amex asked me to reach out to the company and I did several times but there is no live person at the number in which was provided. When I called Amex back they refused to help me.

The name of the company I made the purchase from is:

[redacted].

[redacted] I made a complaint against this company as well with the Revdex.com.

And I am supposed to be valued as a customer?Desired Settlement: I want the purchase cancelled and refunded ASAP for $58.38

Business

Response:

We responded to the customer via written correspondence today.

Review: In September I called Amex to upgrade my card from a gold card to a gold premier rewards card. I asked and was specifically told that my green card would be upgraded to the gold card. I had verbal confirmation that it would be the same card, with the same number and I would be getting the promotional points added onto my new gold card. The conversation was recorded and everything was repeated to me multiple times. A few weeks later I received the card, it was a new account with a new card number. I looked and my credit was run (thankfully it was a soft check) and now I have an additional card under my name with another annual fee. During my one hour or more phone call I was repeatedly told by a very rude employee that there was nothing that can be done and I will just have to pay two cards or cancel one and take the hit to my credit; which will effect the number of cards I have closed and the average time that I have open accounts. After speaking with a supervisor (he was equally as rude), who also said that there was nothing that could be done, Amex finally opened an investigation on the incident and told me I would get a response in 6 to 8 weeks. Nothing was done and I am still in the same situation. No one at Amex can transfer me to someone who is capable of helping me and after 10 weeks now I have contacted the Revdex.com.

Long story short: American Express has opened a credit line unlawfully under my name and will not and has not even attempted to rectify the situation.Desired Settlement: I would like the card closed and removed from my credit history. I would like compensation for the time and horrid customer service I have had to endure. I want American Express to admit to what they have done and try to make the situation right. An email or phone call would be a good start. They shouldn't be able to cause harm to my credit report and not be able to fix their own mistake.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

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

Sincerely,

Review: On November **, 2013, I attempted to use my Bluebird by American Express card at an ATM to withdraw cash from my account. During the course of the attempted transaction, the ATM stopped responding. It never printed out a receipt or dispensed the money. The money was, however, deducted from my account. I immediately called the number on the back of my debit card to report the incident. I was informed that I needed to fax my dispute to them, which I did later that same day. I was told that I would receive a temporary credit in the amount of $300, the amount of the attempted transaction, within a few business days and that within about 10 days a final decision would be reached. As of today, I have never received a temporary credit or heard from them at all regarding this matter. I have contacted them multiple times without any results. When I call, I keep getting placed on hold and transferred to another representative. They seem to be just giving me the runaround.Desired Settlement: To receive the money that is owed to me.

Business

Response:

We responded to the consumer via written correspondence today.

Review: I called to find out my balance and was told I had 4.04 left on the card I said my card was left at a restaurant on accident I had an emergency 911 call to handle there are several charges pending that I did not make I need my moneyDesired Settlement: I want the funds that were used after veaux carre pizza to be returned

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:

Yes I received a response from the Buisness it stated that since my card was not registered but it was because I was able to ise it to make a couple purchase and was able to create my own pin for the card

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

Sincerely,

Business

Response:

we responded to the customer via written correspondence today.

Review: I was told that if I sign up for the Gold Delta SkyMiles Credit Card, I would get 30.000 bonus miles and now I'm told I am not eligible, because I have already had a regular Delta SkyMiles Credit Card. I was not told this when I signed up. I was asked if I have had already a Gold card within the last 12 months, which I had not. And I even told the representative that I already have the regular card. This is very deceiving and I'm very upset about this.Desired Settlement: I want the 30.000 bonus miles I was promised. I have spent way over the required $500.00 in order to get the miles now they should honor their advertisement and if the representative made a mistake then they need to fix the problem, but I should not be the one loosing. Otherwise I will close my accountsI

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:

Have not received any news or solution to my inquity. Why is taking so long? Please

I'm asking Revdex.com to help me and nothing has happened! Hope to hear from you soon! ! !

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

Sincerely,

Business

Response:

We have mailed correspondences on October **, 2013, October

**, 2013, and November **, 2013 addressing CM’s concerns. We have validated the address that we have mailed

the correspondences to and can confirm we have not had any returned mail for

[redacted]. She may want to reach out

to her post office regarding her mail delivery if the most recent letter is not

received within 12 business days considering this is a holiday week.

Review: American express does not provide the guarantee that they advertise. falls advertisement.

I had disputed charges and also tried to use their insurance but declin I had a charge from [redacted] on 12/2013 and disputed several times but Amex keeps charging me back for it while no new information was sent by merchant.

Second issue. Had several items that were lost and submitted claim under their insurance policy and were not honored for no good reason and some for no follow up.

Tried to contact corporate office but was given run a round.Desired Settlement: $1200 for the [redacted] charge and $1000 other claims made under insurance.

Business

Response:

American Express previously responded to the consumer via written correspondence on September **, 2014 in response to Revdex.com reference # [redacted]. Please note, American Express considers this matter closed.

Consumer

Response:

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

[Your Answer Here]

This is not acceptable.

American Express makes completely contradicting statements. In one letter they sent me they said the package was delivered so it can not be disputed. On the other letter from their insurance company they the package was lost by the career so the insurance can't be applied. American Express is clearly trying to get out of reimbursing me for this charge. I have spoke with Amex and disputed the charges several times and every time [redacted] sends them the same exact papers and they say ok they provided us with enough documents. But it was the exact same document!

If the package is lost by [redacted] then [redacted] is the sender and needs to apply to [redacted] for reimbursement by their insurance I want the dispute with [redacted] to be opened again and they need to show that they contacted [redacted] for the package.

and if the items are lost after delivery then american express needs to pay me by their insurance.

I also had other insurance claims for other items stolen from my house and I gave them all the documents they requested including police report and receipts and I didn't get any response.

I have been a member for more than 15 years and just this year I had more than $50,000 in purchases on my card, all paid off already and american express gives me a very poor service. This is not the way American express was. i'm going to use my other cards instead and close my account with them.

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 September **, 2014, October *, 2014 and October **, 2014. The consumer's additional correspondence contains no new information to which American Express can respond,therefore no response will be sent to the consumer. 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.Thank You

Consumer

Response:

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

I sent them new documents in my last email.

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

Sincerely,

Review: I have been a customer of American Express since 2001. I upgraded my American Express gold card to a platinum card. I was informed that I had an evaluation period before I had to pay the new card fee. A fee of $412.50 for the platinum card was added to the September 2015 statement. I called and asked for my platinum card to be cancelled and to return to the gold card. The customer service representative told me that I had to pay my statement balance of $1,246.20 minus the $412.50 fee for a total of $833.70. I made a payment of $900, the difference to be added to my unbilled charges. When I checked my account online it reflects a remaining statement balance of $346.20. I called and explained my previous conversation to a different customer service representative that informed me that I had to pay a minimum payment of $952.55. I tried multiple times to explain that I didn't have to pay the fees (as I was previously told) for a card that I don't have. The representative said that she understood but she said that I still had to pay the minimum balance. I expressed my frustration for having to pay charges for services that I don't have (Since I have been using my new gold card for over a week) and she said that I had to wait until the next statement to receive the credit, a different statement from the previous representative that told me that I didn't have to pay the charges. I expressed the fact that it is impossible to plan a budget when they change their position every time I call.Desired Settlement: I would like American Express to recognize their error. In addition I would like to receive a credit for any interests charges and fees from not paying what they said is the minimum balance. I would like a credit on my card of $100 for the inconvenience. If they don't agree, I want American Express to cancel my account.

Business

Response:

American Express mailed our response to the consumer today

Review: American Express owes me $87.50 as a refund.

On July ** I was told it would be 7-10 business days.

It has now been 73 days. I called again today and they said it would be 7-10 business days. They claim I never asked for a refund. I asked them to pull tapes and expedite the delivery of the check. Why should I be suffering for their mistake and their defunct system?

They said I could not escalate to get this situation reasoned quicker. I asked to file a complaint against their policy and procedures and was told I could not file a complaint.Desired Settlement: The way I was communicated to was unacceptable. American Express took no responsibility for THEIR error and I want a simple apology.

It would also behoove them to make a change to their policy and procedure regarding this issue.

Business

Response:

American Express mailed our response to the consumer today.

Review: I signed up for Bluebird end July, thinking it would be the checking account to complement my AmEx savings account. Given how great the customer Service is with AmEx Savings, I figured I would be getting the same quality. Not at all. The card only works about %50 of the time and instead of the cash register saying "card not accepted", Bluebird cards say "declined", which is highly embarassing. I opened the card at Walmart and ironically I cannot use the card at Walmart as the transaction gets declined every time. I went to Target and used the card just fine. I tried using it at Shell, it said declined also. Yet I drove down the street to the Costco gas station and used the card just fine. This bluebird account is set up for direct deposit so I know there is more than enough money to cover a $15 grocery purchase. I find it highly inconvenient and embarassing to play this guessing game of where the card works and where it will be declined for no reason. I have called customer service multiple times and they are not the real AmEx customer service. They are a call center in India and no absolutely nothing.Desired Settlement: I would like to stay an AmEx customer but I want to see something being done about this fake AmEx customer service. If I cannot speak to someone in the US about this problem, then I want my money off the card. Thank you!

Business

Response:

We responded to the consumer via written correspondence today

Review: Without prior notice, Amex reduced my available credit on my business credit card by 44%. I have a 741 FICO score and have been an Amex customer for more than 10 years. I don't have an issue with the underwriting decision to reduce my available credit. I do however take exception to credit line decisions being made without any prior notice. As a small business owner, I rely upon my service providers to be communicative, consistent and fair in their decision-making process.

I cannot run my business if I don't know what my credit lines are going to be from day to day.Desired Settlement: A restoration of my credit line to its previous limit. I'm open to reducing the credit limit 10% per month over the next four months to meet the newly proposed underwriting requirements.

Business

Response:

We responded to the customer via written correspondence today.

Consumer

Response:

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

I have not received correspondence from American Express.

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:

The response from Amex is inadequate and does not address my claim.

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 June **, 2014. While we appreciate the consumer's feedback, the consumer's additional correspondence contains no new information to which American Express can respond. If the consumer has additional inquires regarding this matter they may contact customer service at ###-###-####. Customer Care Professionals are available 24 hours per day 7 days per week. Thank You

Review: I joined American Express last year with an EVERYDAY personal credit card. I was thoroughly pleased with the extraordinary service during the first few months. Shortly after I received an invitation to join the OPEN business GOLD charge card because I was a valued American Express customer. I figured why not, as I also have a merchant account with the company for business transactions. Now this is where the problem starts. When I received the invitation letter originally, it was for a GOLD business charge card and the offer was to receive 50,000 bonus points once you spend 5,000 dollars within the first 3 months. I called to open the account as I liked the offer and spoke to a very kind representative who was letting me know my company was approved for both PLATINUM and GOLD charge cards. I didn't want to make the decision, as my business partner was not present at the time. I told her not to run my credit information and I would give her a call back with my decision. A few days later, I received an email congratulating me on my new PLATINUM open business charge card. I was outraged! I immediately called customer service to explain my information was used without my consent. I explained I wasn't even interested in the PLATINUM charge card because I wouldn’t use all the benefits associated with the card. The representative kindly apologized and told me theirs nothing they can do once the approval has been made. Even though I was very frustrated with the situation at hand, I let her know I originally wanted my offer with the GOLD charge card. I was then kindly advised to call back once I received the cards and to request an account change and I would be given my original offer with no issues. Now let's fast forward to present day (months later) after speaking to almost 12 different supervisors and representatives I still have yet to get my reward points. On top of this incident my card was declined at [redacted] because I was told the card had no pre-set spending limit, later to find out it was based on spending patterns and how you utilize it. Which, I then stated I have multiple accounts in great standing do they consider that. I then was told they don't take into consideration other accounts OPEN is a separate entity. I ended up making the payment at the store and having to use my personal [redacted] card. The situation was not resolved in enough time causing the most embarrassing situation. Following this incident after spending thousands of dollars and making on time payments, a representative stated It was OK to make a payment on the last day of my billing cycle as I'm still within the current cycle with no repercussion. Subsequently, to find out my account was suspended and deemed as a late payment being made. Now, on top of this whole situation can’t even make a 1,000-dollar purchase for my business because I have too high of a limit on my personal credit card. This is false marketing as this card is indeed connected to your personal accounts with American Express. I was never told this was the case, as I would have never gotten the card in the first place. My personal accounts should never coincide with my business, as they are separate entities like I was told. Lets just say at this point I'm ready to close every single account I have with this company. I was once a very proud client but after all this that change immensely! This company does not value you as a client; instead you’re treated as a dollar amount. I’m emotionally exhausted and don’t know what more to do!

All of this should be documented on my account, especially the first call where I did not give my consent to open the card originally.Desired Settlement: I would like to receive the membership reward points originally offered. I also would like the late fee reversed on my account.

Business

Response:

American Express mailed our response to the consumer today

Review: American Express was notified of my filing chapter 7 bankruptcy & continued to send my account to collections. my case number is [redacted] my lawyer [redacted]Desired Settlement: Acknowledgement of chapter 7 bankruptcy

Business

Response:

We responded to the consumer via written correspondence today.

Review: I have three credit cards with AMEX and I applied for a [redacted] credit card. AMEX is refusing to approve this card and not informing me why they cannot approve it.

Product_Or_Service: [redacted] AMEX CARD

Account_Number:[redacted]Desired Settlement: DesiredSettlementID: Refund

Please ask AMEX to issue my [redacted] 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:

I have not got a response from the Business and was my card approved,

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 March*, 2015. The consumer needs to allow 7 – 10 days for mailing time.

Review: I made a $769.39 payment on 1/**/14 for the total amount due on 1/[redacted]14. [redacted] even charged me $16 interest fee and a $35 fee. I paid the total amount due and now I see $12.00 charge on my charge when I have not used the card. I contacted [redacted] but received no response regarding this other charge.Desired Settlement: I paid the total amount before the due date. There should not be a $16 interest fee and $35 fee and $12 fee on my credit card. These should be deleted off my credit card.

Business

Response:

We responded to the consumer 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:

My statement showed a balance of $769.39 due on 1/**/14. I paid the balance of $769.39 on 1/**/14. Now I see a charge of $12.14 If I paid the balance due and now there is a balance of zero, why is there a $12.14 charge on my card when I did not use the card and make any other charges on the card??

Correct my credit card statement and delete the unauthorized charges.

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 [redacted] 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.

Review: Past due account was settled, paid, and closed. Amex is still reporting negative on my credit report.Desired Settlement: Remove negative report from my credit score.

Business

Response:

American Express mailed our response to the consumer today.

Consumer

Response:

The negative information being reported on my credit file is inaccurate and should be removed.

Business

Response:

American Express mailed our response to the consumer at the address provided on February**, 2015. The consumer needs to allow 7 – 10 business days for mailing time.