American Express Company

Review: I was mailed an offer to apply for a American Express Green Card with RSVP Code: [redacted]-###-###-#### and receive 25,000 rewards points after spending $1,000 in 3 months. Offer expires on 2/**/2015, however, I applied and was approved on 1/**/2015 and made the required purchases within 3months. American Express refuses to honor my rewards, giving me multiple reasons each time I call. Ref ID online chat #'s [redacted] and [redacted]. They tell me it is because the offer changes over time or that I didn't use the RSVP code when I apply. I absolultely used the RSVP code, in fact if you go online to the webpage that was mailed to me with the offer to apply, (getamexgreen.com) you can't navigate in the website and apply WITHOUT the RSVP code. I get a different reason for why they will not honor my 25,0000 rewards points everytime I call. They are not consistent. In addition, this offer is misleading because it does not state this is a Charge card, so all my purchases must be paid in full at the first billing cycle. I was even told on a chat 3/*/2015 that the deal I was referring to didn't even exist, even though I was holding the paperwork right in my had. This all seems very suspicious to me, and all I want is my rewards points as promised in our agreement when I applied.Desired Settlement: I want the 25,000 rewards points that I was promised when I applied and there to be better verbiage in their offer letters so that the language of the offer is very clear to the consumer. This is very confusing and frustrating.

Business

Response:

We 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.I received the 25,000 rewards points and am satisfied with that portion of my complaint, but I am not satisfied with American Express' response. They still put blame on me the customer for not utilizing the RSVP code, and didn't address all the other "reasons" why they told me I was not eligible for my rewards, or that they denied there was any such deal. One of their excuses was that I applied using a 3rd party offer. Again, the offer that was mailed to my home address pointed to the website getamexgreen.com with the RSVP code, you can't navigate past the first screen without entering the code. I will not be doing business with American Express again and I think this offer/company ought to be looked at more closely for other discrepencies being offered to the public.

Sincerely,

Review: I opened a new American Express Credit Card Account, with them, this Summer,

and I earned $110 in "Rewards' - because I spent over $1,000 while using my American Express credit card.

I called their customer service dept. (approx.) Sept. [redacted], 2013 & I asked if I could redeem the rewards that I had earned.

The representative told me that I had earned $110 in rewards & that I could redeem them immediately, if I wanted to.

I said - "Yes. I want to". But when the rewards arrived, they only gave me $100 - not the $110 that I was promised.

I have called them numerous times, to get the other $10 that I am owed. But they refuse to give it to me.Desired Settlement: $10 check mailed to me.

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:

They claim that that sent me a letter in the mail, but I have NOT gotten any letter from them !!

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

Business

Response:

The consumer has not provided new information, therfore American Express will

not be responding and considers the matter closed.

Consumer

Response:

You asked me to send you a copy of The American Express brochure, which

Review: We have contacted American Express numerous times telling them to stop sending us credit card offers in the mail, but they keep sending us offers every week! The last time we called and spoke with a customer service rep named [redacted] which was in November 2014 (confirmation # [redacted]). We told him that we do NOT want anymore mail at our address. He assured us that we would not be receiving anymore mail and that he would take our address off their mailing lists. Since speaking with him in November we have received mail every week and sometimes twice a week! We received two offers today in the mail! We have never used American Express, we have never signed up for their services/products, and we are also on the "Do Not Mail / OP-Out" lists with all the credit card companies so we do not know how they got our information and why they keep sending us stuff every week! It takes forever to get a hold of someone at American Express and there is no unsubscribe link on their website. I am tired of calling them, waiting on hold, and writing them telling them again and again that we do NOT want ANY mail at our address. How many times do we have to tell them before they stop!? Once I tell them to stop they have to legally remove us, but they keep sending us mail.Desired Settlement: We want American Express and ALL of their affiliate companies to stop sending us mail at our address.

We do NOT want ANY mail for the following address: [redacted], [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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Let me start by saying that I love American Express. However I've been having issues with my Serve prepaid account and customer service has not been able to help me thus far.

I run a home-based business, and one of the companies that I sell to pays only through American Express Serve. As a result I've received a lot of funds in my account and this has created some issues for me, given the limits that Serve has. My current problem (among many that I've experienced) is that I am unable to withdraw my funds from my account. I have over $13000 in my account, but customer service has refused / been unable to issue me a check for my balance. Additionally I am not able to receive any funds.

I need these to be addressed immediately as this is a lot of my money that I cannot access, not to mention the fact that as a financial services institution it is illegal to refuse a depositor's request to access their funds.Desired Settlement: I want my entire balance sent to me with express shipping in the form of a check.

Additionally I would like someone at the manager or higher level from Serve to contact me so we can resolve the rest of the problems I've had

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: My name is [redacted], my father who passed away back in January 2014 unexpectedly. I have the same name as my dads and I have been trying to take care of his affairs along with my mom. My complaint is regarding the collections process of this company. I went over to my mothers house today to check up on her and she had given me this letter from American Express that states "as promised you will pay 125 dollars til the account is paid up". I was shocked and surprised by this letter because I had notified them that I was handling the closing out of the accounts and that my mom was recently discharged from the hospital requiring psychiatric treatment due to the recent death of her husband and my father. My dad was only 56 and we believe very strongly that the Chambersburg Hospital had not done what they should have and unfortunately he passed away because of that. Its not easy to deal with this and I am constantly reminded everyday when I try to talk with the creditors and then they try to go behind my back to get money from my Mom who is dealing with a lot of other financial issues. According to my mom they made contact with her and were very firm and in my opinion tricked my Mom to say she would pay them with money that she does not have and what is there would not even cover the medical expenses.Desired Settlement: discharge of balance remaining on credit card. Although this was never the intent and wish my father was still alive today, there is no money from his estate to cover any outstanding debt. I was deeply sadden when I found out what American Express had did to my mom and wish no one has to go through what I had to do.

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:

Urgent, case not resolved. American Express has DCM collecting their debts and are know trying to collect debt from this. Anmerican express has not contacted me for any information regarding the issue.

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.

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.

Letter regarding family not responsible for debts and will not be contacted from the company is accepted.

Sincerely,

Review: For my American Express Credit Card Account ending in [redacted], I was put on paperless billing without my knowledge or consent. When I realized that I was late on a payment because of the fact that I wasn't receiving bills in the mail, I called American Express to ask to be removed from paperless billing. However, not only did I continue to not receive bills in the mail, I ended up over 60 days late on a payment and this has dramatically impacted my credit score with the three credit bureaus. It should be known that I have never been 60 days late on any credit card in my life, I carry a zero total debt balance and pay off any and all cards every month, and the amount that I was delinquent on with American Express (approximately $165) is a negligent amount for me and extremely simple to pay off--which I did once I was made aware of the balance. I attempted to have this matter resolved with American Express directly, but they transferred me countless times and put me on hold for unacceptable periods of time and they did nothing to correct the negative mark that they are guilty of assessing on my credit record. I travel frequently for work and have a generally very busy schedule. I am only aware of bills and payments due when I receive them by regular mail. American Express has failed to provide me with any type of notice that I had payments due, and they have adversely affected my credit rating over what is ultimately an inconsequential dollar amount. I am currently in negotiations with a company for a new job that is pulling my credit as part of its background investigation process. The aforementioned actions of American Express can literally jeopardize my chances of being hired by this company. This is absolutely unacceptable, and I demand that American Express reverse its negative marks on my credit record immediately!Desired Settlement: I demand that American Express immediately reverse the negative marks that it has assessed against my credit report and repair the damage that it has done to my good credit standing.

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:

[Your Answer Here]

The response that I received from American Express, dated November ** and received on December **, epitomizes the lack of human element and standardized, robotic response that one would anticipate from a monstrous bureaucracy. The letter goes onto describe its policies surrounding late payments, paperless statements, credit bureau reporting, and customer service experience.

In the section under Paperless Statements, the letter goes on to deny any responsibility on behalf of American Express for the fact that my account was enrolled in paperless billing, which is the sole reason why I did not receive bills to notify me of payments due. The letter talks about my voluntary enrollment in Checkfree eBills or FISERV through my financial institution, but this statement contradicts what I was told on the phone by customer service: That I voluntarily enrolled in paperless billing through Americanexpress.com. Regardless of which statement American Express chooses to stick with, the fact remains that I was never aware of the fact that I would not be receiving paper bills through regular mail, as I do with every other credit card I own. American Express NEVER notified me by regular mail or telephone of my initial balance or at any time when my account became past due. It is this negligence on the part of American Express that my Credit rating literally dropped over 100 points overnight. Moreover, my good credit standing has become "weak" because of an initial balance of $35.00 that American Express neglected to make me aware of. When I was finally aware of my balance of $486.76, I paid it immediately.

The manner in which American Express brought my account from current to "60 days past due" without one paper statement or phone call is deceitful to say the least. It goes without saying that one cannot rely on e-mail notifications for account statements as they are almost impossible not to overlook with the amount of junk mail and advertising received on a daily basis, including spam ads from American Express itself. I have an outstanding reputation as it relates to every credit card I've ever been in possession of, including various American Express Cards. In this instance, it would be prudent for American Express to admit its error in notifying me of my balances (including overdue balances) and reverse its mark on my credit report as previously requested in my initial complaint.

I thank the Revdex.com in advance for its assistance in mitigating this matter.

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 today via written correspondence.

Review: I received several offers from American express gold card for 75,000 points with 5K spend. I was not able to find the code initially, but later found the code and called American express with it. I was told by the Rep that I would get the 75k bonus after 5,000 spend. Subsequently, I spent the $5,000 and only received 50,000 bonus points. I have spent several hours on hold with customer service supervisors and was told that there is nothing they can do. I requested a call back from corporate office with no response. It is fraudulent to tell a customer that they will receive the bonus, and then not honor it when they fulfill the spend requirement.Desired Settlement: 25,000 points deposited immediately and extra points for the time I wasted trying to resolve this issue.

Business

Response:

American Express mailed our response to the consumer today

Review: On 8/**/14 Iwas informed by an American Express representative that an unauthorized credit report was pulled, which set a credit limit that I was unaware existed. When I ask to speak with a [redacted], the [redacted] hung up the phone and disconnected the call. Despite any company policy a credit report can not be pulled without consent. After this action I called again and was told I was over the credit limit when, to my understanding, there was no credit limit on the card. When asked to reverse the charges leading to an over the limit status the company representative refused. At this point, I informed the represenative [redacted] that I would contact the Revdex.com for help with a resolution to this problem.Desired Settlement: Complete explaination.

Business

Response:

American Express mailed our response to the consumer today.

American Express sent me a letter stating that I may be able able for a refund.

So I looked into the questions on line that were needed t be answered and I thought that it was totally ridulous in that they required you to know what reason do I think I am qualified.

Their list of charges dated back to 2012,hello how am I a person of age supposed to know what specifically hpened 3 years ago.

I called all the numbers listed for help and the same thing occurred no reason cannot help me.

Great customer support!!!!

Finally I was so frustrated I said for get it, I figured it was a game and told the customer rep to stop bothering me you never meant to return any money.

Review: I am a long time (> 10 yrs) AMEX personal credit card primary user plus my 3 other immediately family members. within all these years, I never missed a single payment, but until my Aug 1015 statements. The due date was Friday Aug.[redacted]. By the time I realized it, it already pass midnight of Aug [redacted]. The statement amount was $2295.79. It include $1030.20 airfare for my international traveling.

I immediately jumped on my Bank of America(BOA) bill payment page and did my routine payment, but the earliest date for BOA to deliver the payment was at next Tuesday, Aug. [redacted]. So I missed 4th days and there are 2 days as weekend.

As I expected, my September statement, AMEX charge me Late fee: $27.00, plus $41.88 interest. Total was $68.88 penalty.I talked to myself, WOW, missed 4 days and I got such a harsh punished.

So I paid the full amount, wich I always did, plus this $68.88 penalty. You would think this was over, at least this is what I thought.

Now, I got my October statement, AMEX charged another $27.47 interest fee. This made the total penality to $96.35 for my 4 days missed payment at my Aug's, statement.

I immediately called AMEX customer service. I realized that how bad this AMEX, as a company in general, and I really I got rip off hard by this company.

The two service ladies, the 2nd one claim she is a manager, kept trying to explain to me that according to their calculation, this is correct. I told them, look, as a regular customer, I don't have to understand how your omplex calculation is doing, but I kept said to them do you really listen to what I said, missed 4 days payment, which include 2 days weekend, and the fast BOA can deliver was 4 days after, YES, I bought, but the tatal penalty is $96.35 isn't it too harsh? The answer back is kind of no mercy, this is the way how the calculation work.Desired Settlement: Reduced this ridiculous amount of penalty. Total $96.35 penalty for paying in full after 4 days delay, just because my bank can't deliver in time and there are 2 days weekend within this 4 days time frame.

For the past 10 more years, I never missed a single payment. Now this $96.35 penalty seems rip off your loyal customer with no mercy. I don't see why customer will continue loyal to you as a company.

Business

Response:

American Express mailed our response to the consumer today.

Review: I made a transaction to pay a bill on July [redacted], it noted that the transaction was to be completed by the [redacted].

I called on the [redacted] to see why my funds had not arrived and was told that it would not for another 5 business days.

I was on the phone for over 1.5 hours and put on hold several times. At one point the rep forgot to press hold and started to laugh and talk with a colleague about my situation because I was frustrated. This same rep confirmed in her own words that a company confirming in writing that a transaction will complete by a specific date, in a situation where the transaction isn't fulfilled and the monies have been refused to be returned immediately to the sender IS A FORM OF THEFT!!!

I had to take cash out of my SERVE account and manually make my payment leaving me short on funds.

I called 5 business days later to file a dispute on the charge as the funds had yet to arrive.

2 days later an email was sent to get info to initiate the dispute when low and behold, A CHECK CAME IN THE MAIL FOR THE TRANSACTION AMOUNT FOR THE COMPANY I WAS PAYING THE BILL TO! How on earth does that happen?! So I tell myself don't worry just use it for next month.

Now, today I call because I received an email about the dispute. It requested info to begin the process I requested 4 weeks ago. So I called in to make sure that THE DISPUTE IS CANCELLED!!!! The representative assures me that the dispute is cancelled and that the check will remain valid and he has confirmed this with the dispute department. THE FIRST SEEMINGLY GOOD CALL I'VE HAD WITH [redacted] IN THE LAST 10+ CALLS!!!! About 2-3 hours later I receive an email that says my transaction was rejected (A BOLD LIE SEEING AS HOW i'M HOLDING THE [redacted] CHECK IN MY HANDS!!!!) and that the money HAS ALREADY BEEN REFUNDED (NOT WILL BE) to my account!! ANOTHER LIE!! When I call to figure what the [redacted] is going on they tell me that the money won't return until Friday, but I NEED it tomorrow!!

So what the [redacted] is a company that once held pride in exemplary customer service doing with its head so far up it's [redacted] how can you breathe with your face [redacted] deep within your own colon? How?! How is this possible?! and WHY!!!!????Desired Settlement: I want a call from an employee BASED IN THE U.S.A. to call me and sort this out!! It is a miracle that I do not take legal action with the [redacted] backward service I have received as I once had such great respect for this institution! I want to know how we can resolve this and how [redacted] will make this right and make up for the STRESS, EXHAUSTION, RIDICULE, SHAMEFUL CUSTOMER SERVICE AND FINANCIAL STRUGGLE I had been put through in this situation!

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 yet to see the contents of this letter

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:

Thank you. I will respond once I receive the letter this week.

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 to the address on file on August **, 2015 and remailed the same response on September *, 2015. We appreciate the consumer's feedback, and respectfully request that the consumer allow 7 – 10 business days for sufficent mailing time. Thank You

Review: I can not get AMERICAN EXPRESS to stop sending me 'JUNK MAIL'. I called AMERICAN EXPRESS twice (05/**/2014 and 05-**-2014) (###-###-####) and sent them a request via a Internet Financial Institution Mail Preference Service asking them to stop sending me JUNK MAIL; remove my name and address from their mailing list(s); do NOT sell or share my name or mailing address with any other Company's. I also went to their website to send them a message - the same subject as aforementioned and it would be my FORTH attempt to try to stop their JUNK MAIL - but their is no 'contact us' icon on any of their websites - all the information on AMERICAN EXPRESS's websites strictly address' BUYing their products or services. I received JUNK MAIL from AMERIOCAN EXPRESS today (07/**-2014)!! In addition (this time) my wife received a packet of JUNK MAIL from them also. They both look the same ... we will file another complaint with the Revdex.com against AMERICAN EXPRESS after we submit this complaint. Could you PLEASE - perhaps you can - communicate with AMERICAN EXPRESS and tell them that I have NO INTEREST in their products or services. ESPECIALLY after this JUNK MAIL fiasco with them. Thank you.Desired Settlement: DesiredSettlementID: Other (requires explanation)

1. Remove my name and address from AMERICAN EXPRESS' mailing list(s). DO NOT SEND ME ANY MORE JUNK MAIL - NO mail - from AMERICAN EXPRESS.2. DO NOT sell or share my name and address with any other Company's.3. Send a written reply to the Revdex.com stating that you have complied with the above ... AFTER you REALLY HAVE done what has been requested above!

Business

Response:

American Express mailed our response to the consumer today

Review: I have a [redacted] Amex card. I went in for a [redacted] pre-check appt. The person at the interview looked at my card and told me that Amex would refund me the $85 fee. At the end of the appt, they gave me a receipt to turn into Amex. I called Amex and asked them what the process was and what I needed to do to get my refund. They told me that I needed to do nothing and the refund would appear on my next statement. I never received the refund. I went into online chat and was told I would not be getting the refund b/c it was for plantinum members, not gold members. I explained that another Amex employee already told me I would be getting the refund. I asked to speak to a supervisor. I was told someone would call me in the next few days. I received a call from ###-###-####. I could barely understand the person. Not only was their English very poor, but over and over the line was crackly each time she called. I think she said her name was Citron or Freeon. She has called three times during the day when I am in meetings. I cannot call her back. The number she gives me, ###-###-#### is sometimes disconnnected. Other times, I can dial the number, but when I dial any extension, including hers which changes every time, I get a busy signal. This happens no matter when I try to call her. The ###-###-#### also does not accept calls. I contacted customer service chat again and they said to call a supervisor line at ###-###-####, but that is just another regular customer service line. I copied both chats eventhough there was not a feature to do so as with most companies' customer service chats. This is ridiculous. I have spent an immense amount of my time and energy on this.Desired Settlement: I want my $85 back I was told I would be give and $50 for my time and trouble, so $135 total.

Business

Response:

American Express mailed our response to the consumer today.

Review: Hello,

I was sent a personal targeted offer of 50,000 bonus points after spending 1,000 dollars and no first year annual on an gold rewards card. . I called to confirm that I would be eligible for the bonus as I had once upon a time received a welcome bonus. I called in specifically 2 times to confirm that I would indeed be eligible . I even uploaded the document that I was sent to their website proving that I was personally solicited. I proceeded to spend over 1000 dollars, and was told I would indeed be receiving the 50,000 points. Now [redacted]s saying I am not eligible, but are upholding the first no year annual fee. Card # ends in [redacted].Desired Settlement: I would like the 50,000 point offer as an offer should not have been confirmed several times, nor should they have even sent it to me to begin with if they had no intent of honoring the offer. I have been a customer for over 10 years, and should have never been treated this way.

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 have no received anything in the mail. Nor have any of the points that I was promised given to me as of yet.

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:

[I received a letter in the mail stating that their targeted offers and the actual points departments do not communicate and therefore amex believes that it is ok to deceive me . I was under the impression that since I received a targeted offer with my name on it, that they wanted me back as a customer. The Revdex.com should advise amex to not mislead customers and to communicate properly within their departments. I have yet to receive the promised and targeted, 50,000 membership reward points. ]

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

Sincerely,

Business

Response:

While we regret the customer’s 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. Unless new information is provided, correspondence received by this office regarding this matter will be filed but we will not respond.

Review: Let me start by saying I had high hopes for my American Express credit card, since I had previously heard good things about them. I had my American Express Blue Preferred Card approximately 3 months before I started having any issues. During the first month of attaining the card, I set up automatic withdraw. It worked fine for the first two times that it withdrew funds, then the third time, I received an e-mail saying that the payment was returned due to insufficient funds. I was extremely concerned considering the account that I had set up had over 10x the amount of funds in it than the withdraw amount. After speaking on the phone for almost an hour with various customer service representatives, they told me they would call my bank and then call me back. They never called me back. 2 days later, I called again. They told me to ensure that I had the proper amount of funds in the account by the time that they tried to withdraw again, to which I was asking the question, why would it not withdraw it the first time they tried since there already were the appropriate amounts of money in the account. They went as far as to call my bank as a three-way call and I listened as they checked the amount of money in my checking account and told me to wait until it drew it again. It wasn’t until I got a letter from my bank saying that the overdraft was coming from a mutual fund account that I realized that it wasn’t set up for the correct bank account. Considering that I had to specifically call my bank and talk to their mutual funds department in order to even find that account number, there is no way I could have provided this information. Why would it allow me to pull out of a mutual funds account to begin with? The terms specifically say the system will only accept a checking or savings account. I immediately changed the auto-payment options on my account so that it would withdraw from my actual checking account. Then, as I am active-duty military, I had to go out of the country for a week and a half. During that time, American Express website would not allow me to make the outstanding payment on their website, but I continued to get emails about the over-draft, as they continued to attempt drawing the funds from the other account, and not the checking account that I had corrected it back to. Being abroad, I couldn’t do anything about it. Upon returning home I called again, to which they finally allowed me to make a payment on the phone in the proper account. However, while I was gone they overdraw my account an additional 4 times, making a total of 6, costing me $174 in overdraft charges. When I talked to their customer service again, they told me they couldn’t do anything about the charges since it was part of their service agreement to contact my bank 3 times for the funds and that when I changed the account number, the previous attempts were still in their “loop”. These technical difficulties and the repeated failures of their customer service department to provide any sort of a solution have been a huge disappointment for me, and now I look to American Express to take responsibility for the troubles they have caused.Desired Settlement: I would like the $174 overdraft charges credited to my account, since despite multiple attempts to correct the situation, their company was unable to aid in correcting the issue before the charges were attributed.

Business

Response:

American Express mailed our response to the consumer today.

Review: Received notice that a penalty APR rate was attached to my delta Skymiles AMEX card for a late payment made on 4/**/2013. Due date was 4/**/2013, a Saturday, so transaction did not complete until that Monday. AMEX asserts it is my 2nd late payment. 1st late payment was made after I got all my affairs in order from Hurricane sandy, which they should have documented. that was waived, as well as the late fee. I contend that this first "infraction" should not even be an infraction because of the circumstances involving the hurricane. AMEX policy says 2 late payments in 6 months causes the penalty to be attached. I completely disagree that I should have a rate attached that is in penalty. I have had this account since 2004, with a credit limit upwards of $20K, never paying late. Amex reduced my limit during the economic crisis in 2008, which hurt my credit because they reduced it to the balance I had at the time - $5K. So not only was my limit reduced by 75%, I for sure know that my credit score was affected by such practices and then this penalty rate for a transaction that was due on a Saturday but posted on a Monday?Desired Settlement: AMEX should recognize my value as a long standing customer - request a modest line increase commensurate with my years as a customer. I would also like a written apology for even putting me through a poor customer experience regardijng this penalty rate.

Consumer

Response:

I just want the original rate to be returned to what it was before this penalty rate was supposedly applied. I feel that after 10+ years of never having an issue, an oversight or due date falling over a weekend should not cause my rate to increase by double.

Business

Response:

We responded to the consumer via written correspondence today.

Review: American Express has placed UNAUTHORIZED inquiries on my [redacted], [redacted], and [redacted] credit files. I am a victim of identity theft and someone with my personal information attempted to open some type of financial account at your establishment. This individual used a mailing address in [redacted]. I do not live in [redacted], nor have I ever lived there. I have filed an appropriate police report of identity theft in my local jurisdiction as well as completed the [redacted] Identity Affidavit Form. I contact American Express on 2/** to resolve this matter and remove these inquiries. The unauthorized inquiries are dated for: 2/**/2015, 2/**/2015, 02/**/2015Desired Settlement: Please contact the appropriate credit bureaus and have these inquiries removed. I would like to receive correspondence via mail this is request is being processed and underway. Once inquiries have been removed I will close out this complaint as satisfactory.

Business

Response:

American Express mailed our response to the consumer today

Review: American Express Plum Card Division contacted [redacted] ([redacted]) on or about July 2014 to establish a Plum Card Account with [redacted]. The initial response from [redacted] was that we were not interested due to previous experiences with American Express.

The agent indicated American Express Plum Card offered and unlimited credit facility with the caveat that either the bill was to be paid complete at the expected billing date or choose the option of paying 10% of the bill and defer the remaining portion of the payment for an additional 30 days.

[redacted] repeatedly asked the sales agent to confirm the following :

Terms of payments

Credit Limit

Under these circumstances, [redacted] elected to open an American Express Plum Account. All of the paperwork was filled out and sent to American Express.

[redacted] did not use the card for several months, in fact, was contacted by American Express in the August time frame with the request to use the card. It was suggested to [redacted] by the American Express agent to use the Plum card for all [redacted] expenses, including [redacted] and [redacted].

[redacted] elected to use the card on three occasions. The 1st was for approx $450.00 in October with the 2nd of $4500.00 and 3rd charge for approximately $4727.00 also in October, 2014.

The third charge was initially declined by American Express. [redacted] contacted American Express to determine the problem and were immediately switched over to a collections department. The American Express agent indicated that [redacted] credit history did not warrant the credit limit that was currently charged on the account. The agent demanded and immediate payment to be directly taken from our checking account. [redacted] indicated they could execute a check by phone fro $1000.00. The agent then required a "scheduled" "check by Phone" to be authorized for $3800 to be paid within a 2 week time frame or they would not approve the 2nd transaction. [redacted] did not have a choice at that time but to approve the scheduled payment in order to have the credit approved.

Under no circumstance did any sales agent indicate there was a credit limit to the account or this method of collection would be employed.....if we knew this was their payment method, we never would have opened the account.

Upon the due date of the scheduled with drawl, we requested that American Express defer the payment for 1 additional week. We were told that it was too late and the payment was already executed. At this point, [redacted] requested the account to be closed.

In November, [redacted] sent a payment for $4000.00 to American Express. This payment has never appeared on any American Express statement.

The total paid to American Express is approximately $8800.00 on a bill that was approximately $9600.00.

[redacted] contacted American Express in January to determine the whereabouts of the $4000.00 payment.....the agent only tried to speak "over" the [redacted] associate and dismissed the claim....the agent was specifically told there was an omission on the statement and that it was wrong.

In late January, American Express contacted [redacted] with the intent to set-up the company on another credit card program. [redacted] declined this offer and requested that American Express refrain from contacting us on these offers.

As of 2 weeks ago, [redacted] contacted American Express to obtain a complete statement from July 2014 to March 2015. American Express agent indicated that they would send out this statement and we would receive it as of last week. As of this moment, the only correspondence received from American Express was a notice that they are sending the account to a third party collections company.

Over the last three months, American Express has repeatedly called [redacted] main number and cell phone number, only to hang up when someone answers. These calls were made from 7:00am to 8:00pm an every day of the week including Saturday and Sunday

American Express has sent statements to [redacted] where they omit the $4000.00 payment and have charged and incremental $1600.00 in service charges over the last 4 months.Desired Settlement: Reconcile the account with the $4000.00 payment applied and remove the service charges to account...other issue to be discussed later after these items are completed. We also request that all of the recordings of conversations between American Express and [redacted] be released to the Revdex.com for adjudication.

Business

Response:

American Express mailed our response to the consumer today.

Review: Despite their advertised "fraud protection" procedures, American Express allowed some person or persons to use my stolen Bluebird card number numerous times in Michigan, for the amount of $3958.96, the total of what was in the account. I promptly filed a dispute the same day the charges appeared, but was told I had to wait until they cleared. Two days later when they did, I had already started investigating the matter by contacting the merchants involved. American Express has not started their investigation as of today. I asked several times for proof of my dispute, and all I was told was that I'd receive an email today (which has not arrived), as well as an email 7-10 business days from today to inform me of the results of the investigation. Since AMEX has been slow to respond and failed to protect me from these obviously fraudulent charges, I have no confidence that they will conclude their investigation promptly. AMEX insists that they have "procedures" in place to conduct investigations, but apparently do not have adequate "procedures" to protect customers and their money.Desired Settlement: A full and immediate refund of $3958.96

Business

Response:

We responded to the consumer via written correspondence today.

Consumer

Response:

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

I was first told I'd receive an E-MAIL confirming my dispute, which I still have not received. To say that now they will provide a written response, shows inconsistency. Furthermore, they have failed to explain why their "fraud detection" systems failed to detect unusual account activity, which would've greatly reduced the amount of money stolen from my account. AMEX, in its negligence, has also not moved quickly to gather evidence in order to identify and catch the suspect(s) at large. I have taken it upon myself to contact all merchants involved, and the digital video recording of the transactions have been saved for further review, if and when AMEX decides to investigate this.

It is not my responsibility as a victim to do their investigatory work, nor should my funds be held while they delay the investigation due to the apparent inadequacy of that department.

AMEX also continues to refuse providing an audio recording of the dispute proceeding by phone which I have requested twice, only after they failed to provide alternative documentation such as a dispute ticket number.

Three days have passed and still no proof of the dispute, nor a resolution offered. This is completely unacceptable. AMEX has done absolutely nothing to show good faith in wanting to investigate this matter or to return my funds. If AMEX believes it is quite reasonable to document proceedings for their protection, then it is reasonable that they understand why a victim of a crime also wants to document proof for their own records.

AMEX has had more than enough time to investigate and confirm that I did not make those charges on April **. Their lack of concern could have otherwise caused a loss of evidence. Despite my overwhelming assistance in obtaining evidence, AMEX has been and continues to behave irrationally, almost to the point of irritation. The [redacted], [redacted], actually tried to block my voice when I tried to tell her the location, phone number and name of the individual who had helped to retain video surveillance of the suspect(s), according to AMEX's own records. It's almost as they want to delay the investigation on purpose.

I have already made it clear that if a detailed confirmation of the dispute is not received promptly and a resolution made to resolve this situation within a reasonable time, the matter will be referred to additional third parties. TIME IS OF THE ESSENCE.

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

Sincerely,

Business

Response:

We responded to the consumer via written correspondence today

Review: For the past 2 months American Express has charged me a late fee. I have an impeccable credit history. I have been a valued member since 2008 when I applied for an American Express credit card through [redacted]. My payments are due the 6th of the month. To ensure that my second payment was received on time I personally mailed it from the U.S. post office in [redacted] on January **, 2015 so as to avoid any future late fees. While they waived the fee in January, they refused to waive the fee in February, claiming that it was processed on February [redacted]. I spoke with a supervisor by the name of [redacted]. She stated that they refused to waive this second fee and suggested that I make my future payments by phone. As a means of supporting the check companies and US postal service, I prefer to pay my bills by mail. I find it ironic that I have never had an issue with this company prior to the announcement of [redacted] parting ways with American Express. I am a demographic that primarily uses this card at [redacted]. I can't help but wonder if American Express is trying to squeeze the last nickel out of its [redacted] customers.Desired Settlement: DesiredSettlementID: Refund

I would like a refund for the late fee ($26.00) and interest that was charged to me by American Express ($19.66). I would also like to know if I am the only victim of their bilking practice.

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:

Given our excellent credit and payment history with American Express for the past 6 1/2 years, I do not feel that they have resolved the issue. Apparently it is more important to this company to nickel and dime the customers that pay off their monthly balances in full. I guess they aren't making any money and don't need our business. They tried to persuade me to continue to do business with them because they provide a cash back bonus from a [redacted] (which is discontinuing their business with them)...no thank you. I will put my money into our local credit union instead of this very disappointing big business.

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]

American Express has failed to rectify the situation. I have recently learned that the US Mail processing center was recently closed in [redacted]; resulting in all mail traveling for from the mid-west to [redacted] to be rerouted to another facility. I question whether or not this impacted American Express receiving my payment in a timely manner since my payment process has not changed since I became a member in 2008. The closing of this mail processing center coincidentally matches the late fees that I was charged by American Express.

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

Sincerely,

Business

Response:

We mailed our response to the consumer via written correspondence today. American Express considers this matter closed.