American ExpressReviews 300

Got a gift card, doesn't work, tried calling the # on back of card, nobody answers the phone after an hour of waiting and listening to their obnoxious recorded voice telling me how important I am. *eye rolls* Tried to call another #, and the agent refused to help, saying I had to call the # I had tried calling but got no answer. You suck, American Express. It's no wonder why nobody likes you.

25 photos and 3 Government Reports Later, AMEX is still failing.
It's nice to be able to see my credit report right away but the points are variable vs advertisement and the use of them not easy.
Beyond that, horrible.
We were locked out of the online account a year into the card and no one could explain it (from the offshore call center). We were later advised they it was because of an AMEX change 2 years ago.
We requested the call center process payment as AutoPay was also turning off repeatedly.
They did not process a payment requested of the offshore call center. We made this request 3 times, then with our billing 2 weeks late, started calling every department to try to get help. We did not used the automated pay system, which we found much later, as we wanted resolution with explanation. Call 13 did the trick. A seasoned AMEX employee in an unrelated department was able to find out why we were locked out (unauthorized activity by 1st offshore rep, who accessed our account and changed things). The seasoned rep did process a payment but not as requested (in two separate payments, "1 today, 1 tomorrow or later today"), so... overdraft fee while I was still on the call. That was two months ago. The system is now not immediately pulling funds from our bank during the billing cycle but delaying; my guess is to make it seem like it's the card user fault when the money is first used for something else or in our case, we put money in during the billing cycle and take it our 7 days later. When they do take the funds, the payment is not posted timely, so the card is unavailable for use, regardless of the balance, forcing it to appear late in the system.
We believe in this activity that they are attempting to blame the customer, as they have already claimed blame on the "merchant portal" a few times for different merchants, then "check with your bank" (no issues), then trying to claim we made no payment request and/or never had Autopay selected. I'm afraid to imagine how unethical behavior will impact people just getting by paycheck to paycheck or worse, living on credit. This is making our project difficult and makes us feel like we need to lobby for ethics that used to exist. This should be illegal.

American Express reward website is been down over two weeks. I can not access my rewards to use them. I will stop using my American Express card.

Wells Fargo detected the scam and would allow charge for gift card. American Express authorized it and says no recourse

Don't forget your card, if you think having the American Express app will help you you are mistakenly wrong. They DO NOT provide your full card info. ( almost every banking company does) if you need that info among not having your card but full well providing your identity with the app, they still will not approve, I was in a situation where I should have been able to access my full card info with my American Express app but it's just not technically inclined to do so. UPDATE YOUR APP GERIATRICS

I was recently involved in a situation with AMEX that was so remarkably terrible. I am part of a small company that uses an AMEX card for all of our expenses. We spend a lot through AMEX, and have been loyal clients of theirs for 15+ years. We unfortunately had an employee commit credit card fraud, and used our card to ring up over twenty thousand dollars in expenses over the course of a year. We tried a couple of different avenues to get this resolved, and our only recourse ended up being to ask American Express to help us with some of the charges because it was fraud. To our surprise they did, and quickly, and refunded the majority of the charges to us. We were extremely grateful that AMEX helped us out in this situation. Fast forward to three months later, and they reopen the case, with no warning to us, and have a horribly rude customer service agent call us to tell us they no longer deem this as fraud and will be re-billing this entire amount to us. Now keep in mind this was three months ago, we have since made decisions for our business based on the fact that they covered these charges, and being re-billed this amount is so massively detrimental to us it's hard to put into words.

We have been loyal clients of theirs for so long, have made them boat loads of money, and we simply cannot believe that they are taking this action against us. We have no recourse, and no way to turn back time to the decisions we made thinking they were covering these fraudulent charges.

Unbelievable, and so incredibly sad and stressful for our small business.

Never got my 70,000 bonus miles because of American Express's lack of responsiveness and focus on the fine print you won't read. And it halted us from miles to fly our two foster kids to see family in the Midwest. Backstory: Completed the $2,000 minimum spend and AE found a loophole- Venmo spend where I used the credit card as a credit card. Noticed the miles were not deposited into my Delta account in the 3-month timeframe and called... and called... and called... and called. Got 4 different answers and uncertainty why I didn't get the miles. Finally after two months, after the 5th call, I was told by a manager about the Venmo loophole. I asked how I was expected to understand said rule if 4 of their own employees didn't know the same rule? I was then accused by the manager of wanting them to falsify records. I said no, I just want the miles promised and would even complete the $150 spend left after taking out the Venmo debacle and that I just wanted the miles for our foster kids. Nope. No go. No flexibility. So I canceled the card and am warning all of you out there.

Amex was a really good company, after they started sending customer service overseas, they've gone downhill
These people do what they want, and don't listen to your concerns.
Very inept service

Since it outsourced to Malaysia, the services are terrible now. They don't care about customer requests and didn't reply the email. The first credit card company refused to waive off the late charge just only $94.34 as I didn't receive the paper bill statement and used the wrong card. Owe them $129.00 but charge me so high interest. I asked them to check my records I always paid the bill on time. They don't even bother. Vomiting blood to waste my time to deal with all lazy, inefficient staffs! I not even want to rate a star for them but the system requested. Zero star for American Express

We use American Express for the sky miles. Whenever we make a purchase, we pay off the card and don't even wait for the statement. This week we had some larger purchases and then the card was declined when we tried to purchase some flights. But the balance is 0. First they said it takes 24-36 hours for the payments to clear but changed their minds when we pointed out it had been 48 hours. After 1 rep ghosted us on a chat, the 2nd had us call and go through that misery, now they say 4 full days for our payments to show so no way to purchase the flights and take advantage of miles at these rates. The payments have left our accounts... What is ae doing with that money for 2 more days.

I have been a customer of American Express for over 40 years. NEVER missed a payment.
I transferred funds from my B of A account to cover my. Payment. I had paid in full. $1700. 00. Due to holiday, I was a day late to pay. I was charged $29.00 late fee, and despite my pleas, they still charge me. Will look for travel credit cards to use. AmEx. I'M DONE!

American Express does not act as an advocate for card members! Even when all of the evidence supports the card members position they ruled in favor of the merchant!
I would not recommend American Express to any consumer they are bias for the merchant! Stay away if I could have given them Zero stars I would.

Had 4 in person charges from a restaurant 1600 miles away and American Express called 3 times and they wouldn't drop the charges so i had no choice but to drop the card and also will not accept the card at my businesses anymore i.ve learned why they have a 1.5 star rating today and will Never use them again great job American express

I made my first payment 1 day late and they refused to wave the late fee. I had to find my checkbook to link an online payment. There is no room for error with this company, they will not cut anyone any slack or consideration. They do not deserve your business!

They promises sign up bonuses which they don't pay out, alot or promises and asking to wait over and over again.
Apparently this is a systematic error affecting many customers.

They have all kinds of great offers but half the time you will find yourself fighting to
Get them creditted... Be sure to skip the Macywineshop one as lots of people dont get that one...

We hired a vendor to build wine lockers for our new restaurant. After months of delays from the vendor and them no longer responding to us we realized they went out of business after 38 years. This vendor did not notify us at all and we had already paid them a large some amount of money. We called American Express to see if there is anything we could do and they immediately agreed to dispute this and reimbursed all our money that we paid the vendor. We are very grateful and do not feel any other credit card company would have stepped up they way they did for us. Thank you kindly!

They don't care about their customers one bit! Customer service no longer exists and they try to blame not being able to help on the computers! Will pay this card off and get rid of it. Absolutely no customer service!

I had 2 Amex cards and had no problems making on time payments with them. Unfortunately life happened and those intrest charges made up a significant bulk of the monthly payment. Like spending $5 in fees to get a $6 pizza delivered from Little Ceasars ratio of ridiculous.

The biggest offense of all came after Covid started where out of nowhere they dropped my limit significantly. Keep in mind payments were being made monthly and being late was rare -- if then it was only a day or so related to when I got paid. After that happened, my low utilization rate was suddenly high and with it came a big drop in credit score.

Lost my job early 2021 and the mess with them only became compounded. Now, they have the audacity to offer me a garbage "deal" to establish credit with them. Your club isn't prestigious enough to fork over a $49 annual fee for a card with no perks, higher interest and an embarassingly low credit limit. I have a new job where I make more and I'm not giving these crooks a single cent. Lowering my credit limit to force high utilization during Covid? F you guys from the bottom of my heart. I'd rather wait the 7 years for Amex to drop off my credit report than to deal with this shady company ever again.