American ExpressReviews 299

I had a card with AmEx for eight years with good payment history, and I have an excellent credit score. Out of nowhere, this company canceled one of my cards for "excessive contact" when I was trying to get them to fix interest charges on a promotional charge that I returned to the store. They never credited the interest charges after calling and emailing them, so I started writing them. Eventually they stopped responding to my letters. I had to open a few disputes recently because of not receiving items due to coronavirus, and I think this factored in to my account closure. As a consumer, you should be able to write in to get interest charges corrected and to be able to dispute charges for items not received or when you are charged a wrong amount. I understand what happened with the promotion and understand that because they didn't take the returned purchase off of the promotion, I got charged interest, but not one of their reps could understand me at all, which is terrible customer service. I had to call to see why my account was canceled, and it took forever for someone to figure out why it "might have been canceled." They also canceled my brand new business account with them, on which I made one purchase on and immediately paid off. There was absolutely no reason that account should have ever been canceled. If they didn't want my business they should not have accepted my application for that card. I am definitely reporting them to the CFPB. I urge anyone thinking about getting a card with them to be very cautious with this company.

I've been an American Express customer since early 2000. I've made zero late payments in 20 years. My credit score is around 680 due to some balances on other cards. I have an American Express Platinum Card and a Blue Card with a $20K limit. I tried to use my Blue Card today and the transaction was declined. I well below my credit limits. American Express told me they were going to reduce my credit limit TODAY if I didn't immediately make a payment for several thousand dollars. If I had not called the number on the back of my card, I would have thought it was a total scam! The regular payment of $250 was not due on the account until the end of the month, and my Platinum card had a small balance on it. This company has totally gone to hell. I've never been so humiliated with a credit card company in all my life. I'm going to zero out these balances and close these accounts. Amex will be OOB soon if everyone that they treat poorly does the same.

During the 2020 WORLD Pandemic, AMEX started getting people to enroll in a payment aid plan that was presented as a reduced interest rate for the net 5 years. They offered to reduce your interest rate from 24.99% to 7.99% with a higher month minimum payment. This was designed to help you pay of your balance over the course of the 5 year period. It was also explained that the for all new charges the rate would be 7.99%. This was all contingent on setting up auto payment.

Two months after this started, I was declined for my Netflix payment of $15.99 and when I called to discuss with AMEX asking them if there was an issue with my card, the associate said that my account was frozen because I stated that I needed relief with my payments. I reassured the representative that this is not the issue at all. Any intelligent person would jump on a plan to pay a lower interest rate and this is what I've taken advantage of.

After speaking to multiple people, they turned it around and made me feel like I was the one who was an IDIOT and I didn't understand what the details of the program were. I felt insulted and disappointed to know that I was the biggest advocate for AMEX in the past and it has been my card of choice since I was a freshman in college, here I am today considering closing out my account forever.

I am here to say my piece and hope that maybe someone from AMEX might read this and understand that customers like myself are the reason AMEX Is great and respected and with misinformation and arrogance you can potentially start loosing loyal clients.

I've convinced many people over the years to get an AMEX and now I will make sure that I never say anything to promote or offer free marketing for this brand ever again. I'm so disappointed.

I am a Gold member and I with is was a Platinum! The service they have provided me is stellar and their customer service on the phone has been great! They look things up for you on the spot especially if you are using their travel services. The card does work slightly different than traditional credit cards. There is no set limit you can make purchases like normal but for large purchases you need to get approval. Not sure the limits on the amount to barrow is. I have not needed to use that service but if i needed to make a larger purchase if would probably use a different card or get a loan. I am using this card for travel purposes at this time!

Refuse to help in greatest times of need.
I don't even want to give one star...
American Express has the reputation of being great but can you still call a company great when they fail in someone's greatest time of need?
I own a medi spa and have been forced by the leaders to close. I have a balance on my business card, I called Amex right away to make sure I wouldn't go delinquent, assured them as soon as we were allowed to
Work again I'd pay the balance or even make small
Payments they marked me
Past due, assigned late fees and turned off my personal Amex card which is fully up to date and they refuse to make a plan to help
Me at all. I have applied for help through SBA and I have not gotten anything so far. American Express will Lose my business over this

American Express is the creepiest, shadiest company. UGH. FIrst, filed a complaint against their Bluebird division because I could NOT get off their (unsolicited) mailing list. What company has no UNSUBSCRIBE option at the bottom of their emails?! THIS ONE! This led me to file a complaint w BBB about this unethical practice of theirs. So I just received a snail mail letter from a Nichole Miller at American Express in Sunrise, FL letting me know I'm off their mailing list. NO, NOT GOOD ENOUGH, AE! Here's the prob:
1) Foremost, I want to know that you have ADDED an unsubscribe link to the bottom of your emails for all of your other (unwitting, unwilling) customers
2) hard to believe that there's actually NO CONTACT INFO in the letter mailed to me. No phone number or email for this "Nichole Campbell, Executive Assistant" person.
3) No phone number listed on internet for AE at 1500 NW in Sunrise, FL. Yes, there's an office (images of new building) but, why oh why no contact info for a customer-oriented (or any!) business?! HOW INEXCUSABLE. Especially in a follow-up letter to a very unhappy-with-you person. Right?! Creepy.

I made a fairly large purchase using my American Express. I never got the item and the company said they received the item back and they were going to credit my account. I don't know what happened but the money was never refunded. I contacted American Express twice and both times they tell me the items were delivered and won't even look at the e-mails i have from the other company stating they got the item back and were supposed to refund the money. So because American Express can't be bothered to read a few e-mails I'm stuck paying over $3,000 for something I never received. I highly recommend you stay away from this company.

I have an American express credit card and make payments on time never late. They just lowered my credit limit to the owed amount. I have great credit and pay all my bills on time. I'm sure this will drop my score because now the card shows maxed credit. No problem will pay it off. I talked to them on the phone and told them I was essential and still working. Wow that quick they were willing to
Reconsider raising it back up. We'll that seems illegal. Don't need them. Just wondering if this is happening to other customers.

Amex ended up replacing my card without my consent. Amex customer service is really nice, and they were trying to be helpful. However, the delays from being unable to use my current card while waiting on the replacement to arrive caused me to miss deadlines - resulting in over a thousand dollars of extra costs.

Once I realized what happened, I called customer service back. The reps continued to be very nice, but they were unable (or unwilling) to resolve the issue in a way that didn't result in my having to pay a ton more money from the deadlines I missed.

(Note: Amex did not charge me any fees. I just had to pay a lot more from missing a deadline that occurred while the new card I did not ask for was in transit to my house.)

On 12Dec19 and 14Dec19 they allowed fraudulent transactions to occur, sending my money to a company called Zomato. Zomato appears to be a food delivery service in India. I called and had to argue, but the money was reinstated to my account. Further, that credit card number was CANCELLED, and a new card was to be issued.

On 21Dec19, five days AFTER the credit card number was cancelled, American Express authorized six more fraudulent transactions, transferring $44.04 out of my account to the same Zomato in India. How is that even possible after the first complaint, and after the credit card number was cancelled?

I phoned and initiated a dispute, but the money has not been returned to my account. This is 100% American Express incompetence. They continue to authorize fraudulent transactions, with MY money, even after a credit card number has been cancelled, before a new one is even issued. I have never shared my info or number with anyone, nor lost it, nor used it irresponsibly, nor had any financial transaction in India, with anyone for anything, ever.

My spouse did a pre-approval as we were trying to use the low balance transfer rate to get some of our debt in one place to be easier to pay everymonth. However we never finished the application. We got an email stating it was about to expire. So knowing what expire means in any language we left it be. However according to the staff we have been in contact with expire means to just proceed as the company wishes. So thank you you snakes for ripping me off of Christmas money i had saved for my kids Christmas because you don't understand a simple bloody definition of what expire means. Well here is the actual definition for your future reference. Expire: (of a document, authorization, or agreement) cease to be valid, typically after a fixed period of time.

Again i hope you sleep well at night ruining a families Christmas!

This is THE credit card to carry and use, and it is the oldest.

There are several levels of cards for holders -- each level is designed to meet the specific needs for its client: travel, large purchases, fat bonus points, etc.

An AmEx card/account is not for everyone, mind you. You must settle up the balance due each month, or risk a hefty penalty. It is not financially designed for those living from paycheck to paycheck. But, if you want to be able to conveniently charge your purchases, travel, dining, etc, this is the most respected, prestigious and least hassle-free.

Really and truly -- do not leave home without it.

5 lovely stars for my 100th review go to American Express.

One is at the most risk of fraud whilst traveling but I never had to worry knowing credit secure by Amex had me covered. 20 years! Now some wise person at Amex has decided to block all access to credit secure from overseas! I can get on Amex but not on credit secure because they say security. So are you saying Amex site isnt secure because I can log in there. So I am away, get a notification about dark web from credit secure and could not check messages or login. International call with long wait costing me $ and frustration to find out about this ridiculous change in policy.So disappointed. I had to cancel today and no one cares. Thanks Amex credit secure CEOs for messing up a good service!

I can't believe a credit company holds themselves as "high caliber" and can consistently screw my sister over with her flight to Dubai via the points she has earned on the AMEX card. I DO NOT recommend anyone to use AMEX for anything. Now, the flight that was CONFIRMED is no longer reserved for whatever reason this morning. Ever since she's booked her flights with those points, she's recieved almost 100 emails in flight changes, and now, no flight. Worst customer service as well. Thank you Chase Credit Card and Southwest Airlines for honoring your point system and having great customer service.