I made one purchase on January 26, 2009 on my Amex card totalling $807.95, I made an initial payment with my online banking account on February 24, 2009 of $100, and another on March 2, 2009 of $707.95. Just to note: I've always transferred money from my online banking account to various other banks, and institutions and NEVER had a problem.

I called Amex on March 9, 2009 for unrelated issue, and was informed that both my payments did not go through. The customer agent suggested I give my bank a call to confirm the 2 payments were actually taken out of my account and to call them back. I called my bank and they confirmed the money was taken out of my account providing me with 2 confirmation numbers as well.
I called Amex, speaking to a 2nd agent, which I had to repeat my whole story again, who apparently did not know what to do, putting me on hold numerous times, finally insisted I fax in my personal bank statement indicating the two payments to a random number that she provided. I was hesitant at first, but decided if it was the only way to get it resolved then it was something I'd have to do, I managed to get the agent's name so I can call back and verify with her that she received my information.
I faxed my statements from my online banking account, indicating the two payments processed. and called back an hour after, this time speaking to a 3rd agent, who insisted that he cannot transfer me to the original agent, which then I have to explain the entire story again, after I was done, he stated that nothing was on my file yet, and to call back in a few days.
I gave it 6 business days, giving them time to process and sort things out, when I logged into my American Express account online on March 17, 2009, I noticed that it was still not done, and not only do I have a balance of $807.95 owing, it has now incurred an interest of $21, making it $828.95. I was pretty upset and called American Express again, making it the 4th person I would have to explain my story.
The agent I spoke to reviewed my file, and insisted that there was nothing there indicating I've faxed anything, I gave him the agent's name I spoke to previously, and the fax number she gave me to fax. He could not verify the fax number, and could not locate the agent I last spoke to. This gave me a scare, thinking did I just fax my entire statement including all my bank information to a complete stranger!! The agent had the nerves to ask me to fax my information in again, this time giving me a different number. I was furious and insisted that I was not going to fax any more of my personal information to random numbers that they can't verify, and to speak to a supervisor. After half an hour of being put on hold and apologizing, he was still unable to put me through to a supervisor, and insisted that I give him my number and let the supervisor call me back. I did, and waited.
3.5 hours past, I have no received any phone call from anyone, so I called Amex back, 5th agent answered, I had to again tell them the story, and insist on her locating the previous agent I spoke to. After 20 min., I was finally able to get a hold of the 4th agent I had spoken to, and informed him it's been 3.5 hours and I have yet to hear back from his supervisor or team leader. He then says that he located the previous agent (Agent #3) and retrieved my fax, and will now give it to the investigation department. I was relieved to hear that at least the fax number they gave me was correct, but pissed that it's now been a week, and my case has just been ignored, and if it wasn't the fact that I keep calling to follow up, it would probably still be ignored!! I told the agent that if I don't hear anything in a week, that I'd be calling HIM back specifically, and hung up.
This morning, March 18, 2008 at 11:00 am, guess who I get a call from? Yes, American Express, but not customer service, and NOT SOMEONE WHO CAN TELL ME WHAT'S GOING ON, but someone from the credit department informing me that I have overdue payments on my account and interests that have not been paid.
I didn't even know what to say, I was in shock and utter disbelief how disorganized, unknowledgeable, inefficient, and STUPID they are. I asked the agent from the credit department if he's read my file before calling me, and he admitted he hasn't, and is just going through it now while on the phone with me. So, I gave this 6th person from American Express a rundown of my situation. All he can do is apologize, and quickly got off the phone with me.
And now, I'm STILL waiting for some sort of response from Customer Service, Credit Dept, Investigation Dept, ANYONE really...

Yes, I too was canceled by American Express after paying my account in full. I'd never missed a payment or been late, but they cancelled my account which will, in turn, adversly affect my credit. I'm looking forward with great anticipation to see how many points come off my FICO score.

I have had a card with Amex, on and off for 25 years. I've always had excellent credit, we have equity in our home and pay our bills. Amex lowered my limit, raised the rate, I set up online banking so I was underpaying by something like $2 and getting $39 fees without notice from AMEX online, as I requested.

When they called I immediately paid the total due but geez, it's snowballed into a huge debt.

I received a letter from AE saying that my card was canceled due to a bankruptcy that I filed for. I have never filed bankruptcy and I am not in the process of doing so. After hours of fighting with the completely surly and incompetent AE front line staff and supervisors, I found out that they had recorded another account holder's bankruptcy in error to my account. The error was due to a data entry error on their end.

AE refuses to send a letter of error and to confirm or deny whether or not they reported the erroneous closure of my account due to bankruptcy to the credit reporting agencies. I am waiting to receive my credit report. Can't view it on line due to 'freeze' on credit, which indicates to me that AE's incompetency has had a negative effect on my good credit.

AE has refused to take accountability for their error. They did send a new card, which I promptly shredded (never will use that card again). And the real kicker of this, is they sent a card with conditions of use indicating a higher interest rate than the card I previously held with an excellent rate which I earned over years of low balance and steady payment history.

Warning to all AE card holders, if AE makes an egregious error to your account be prepared for days of fighting with them, zero customer assistance, being treated poorly and a refusal to document the error and provide you with a statement of error and correction.

It seems ridiculous that I may actually end up having to hire an attorney to get AE to clean up their damage.

Check to make sure your payments are getting posted correctly and you may want to check to make sure no one else is getting your account information through the process of filing a bankruptcy! If they can record another account holder's bankruptcy to your account, do they also disclose your account number to the person whom filed bankruptcy? Makes you wonder who across the world may get your account information handed to them by AE.

AE doesn't give a RIP about customers in good standing. Actions speak louder. than words.

After years of not missing a credit card payment deadline, I missed one on my new American Express Corporate card. I was signed up for electronic vs. paper notification. I attempted repeatedly to pay online, 01/12, 01/14, 01/18. 01/19, 01/20. The American Express site was down, and I could not review my bill. The amount due in the notification email was different than the amount due on the telephonic "pay your bill", so I wanted to understand the difference before making payment. When I finally got a hold of a person on the 20th and had access to the website, I was able to get my questions answered, understand the bill, and make a full payment.

However, I was forced to pay a penalty, and began incurring daily finance charges. I tried to make a full balance payment to eliminate the daily finance charges on 01/31 and 01/05 but the site was down. Once again, I finally got a hold of a person on 01/06, and although the site was down, I was able to make a payment based on our discussion that cleared all the balance, interest, and penalties.

American Express wants to save money by using paperless billing. They therefore incur an obligation to keep the site up the vast majority of the time. The site's repeated outage is more than an inconvenience; I have the right to know what I am paying for and ensure the accuracy of the bill before making payment. However, the company threw the liability of timely payment back on me stating that I could have called an operator; I did not need access to my account to make a payment.

Note that the other financial institutions I do business with, ING and USAA Bank, had no know outages during the same period. Over the past year I have worked with them in a paperless billing relationship, there have not been any unscheduled site outages.

AMEX is responsible for maintaining access to their site. This is not a profit opportunity; their downtime is their liability, not the consumers. They should be compensating the business that patronize them for repeated site outages.

Therefore I am dropping AMEX Corporate as too unreliable of service to maintain a banking relationship with. Began incurring penalties, $59 fine. AMEX reversed the late payment fee, but was not concerned about the site access issues I raised. They did not deny the site was down, but stated that it was "not their problem".