American Express Credit Cards

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Category: Business & Finances

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United States

American Express Credit Cards Reviews

Jeremy Weed March 25, 2009

Consumer Service

To Whom It May Concern:

Yesterday I went to Costco to purchase some goods, and my American Express (AE) card was not accepted. I called your 888 number and was told it was due to some "external delinqency" I had. I assumed it must have had something to do with my student loans so I called the federal loan tracking number and talked to a woman by the name of Shirley, who told me that none of my loans were delinquent.

So, I called American Express back again and talked to four people, one of which hung up on me. I have the names (which I will leave out) of the five people I talked to including a supervisor from the Credit Operations Dept. All I was told was I was up for review on a few days ago and that a report from Experian led them to decide to close
my credit card, that is, without calling me, emailing me, or sending me a letter of any sort.

My question to them was, am I or have I ever been delinquent with my Amercian Express account? Any derogatory? I know the answer. I have paid on time and am on good terms, yet they decided to close my account based on secondary information that claimed I was "delinquent" when I am not.

I have requested a credit report and a list of my rights and it shall take 10 days to arrive. According to what I see I expect to follow up on any information I receive. I find it quite sad that a company of their reputation would act in such a manner, without even caring to contact me. If they had bothered to contact me I could have informed you that I just finished a Masters of Science in Nursing from a top notch private Jesuit University, and I am now working at a hospital that reputes as number one in many areas, and that I would have no problem paying any of my debts. Nevertheless, they decided to go forward without verification of any sort. Naturally in our economy, I understand that their action was a pre-emptive decision based on fear. What type of consumer service is that?

Angry in Chicago December 8, 2008

Account Management

American Express is so mismanaged! I had all of my identity stolen in August and reported my stolen AMEX cards to them immediately. I had a pending online payment due within 48hours of the theft and was unable to cancel the payment due to the time element. I was assured by the representative on the phone that I could re-submit my payment with my new bank account info and all would be well. I did so and the payment was on time. I have 2 AMEX cards and I neve have a balance of more than a few hundred dollars on each, paying well over the amount due each month. I have never been late on either card and have a credit score of almost 800. In the past two weeks AMEX has cancelled my FlexPay on the Gold card and reduced my credit limit on the Blue card from $15000 to $500!! After talking to the rep on the phone for 15 minutes I asked for a Supervisor and was patched through to Herno Sejour, in the credit department. After spending almost 45 minutes talking to him, I found out that the reason the credit limit on my Blue card was reduced was because they showed a NSF in August (when my purse was stolen) on the Gold Card in spite of the fact that I had called and explained what was happening and the payment was made on time with the new checking account!! The information in their system showed no report of my cards being stolen and the bank info needing to be changed due to the theft. They only showed "replacement cards" being sent. They quote Experian as their credit reporting agency and in checking with Experian, I found no adverse information contained. This all started when I called in on November 24th to have the Flex Pay removed from my Gold Card. Somehow they have completely confused the information in my file with them and I can't get anywhere in trying to resolve the issue. I have heard from 3 other business associates that it's best to "LEAVE HOME WITHOUT American Express" because they are one of the worst credit card companies out there. I BELIEVE!!