American Express had apparently fallen into tough times and is trying to remedy their situation any way possible. Here is an example that happened to me just last month.

If you do not have a balance or make a purchase in any given month AME X does not send a statement or email about your bill. I have not received a bill in 6 months, I never use my personal Blue AMEX card.

Today I tried to use my AMEX business card which is registered to my company but has my name on it. It was declined after many attempts to use it. I called AMEX as a business owner. It turns out that my wife paid a doctor's bill 5 months ago with our PERSONAL account. I never received a bill or email. They shut off my business account, which is completely unrelated since it "has more activity" than the personal account that was at fault. Again, these two accounts are not attached in any way other than that my SSN shows up on both files. I paid the bill to reactivate my card and was told about all the fees and interest rate changes I was going to incur. I hung up to further investigate what had happened.

I searched all of my files, I am very studious record keeper; I checked my emails since I use Gmail and have never deleted a message in the 6 years I have used it. There were no bills or emails from American Express relating to cancellation, late payment or billing statements for my personal account.

I called back and told the person on the phone that I have not received a bill in 6 months. The service person on the phone answered back that "his records show that I have not received a bill or email for that account in 7 billing cycles" I asked if he could see that information on his screen and he told me that all service personnel can. He then informed me that he would fix all the problems that I incurred.

Turns out that this is normal modis operandi for AMEX. The service person policy is that they will not tell you that it is their fault unless you point it out. They were going to make me suffer for a problem that was obviously their fault.

The second half is that they closed a completely unrelated account. I am checking with a lawyer if this was an illegal action.

I am currently going through a very frustrating issue with American Express right now. Two weeks ago my dog required emergency surgery that would cost $2, 000.00. I don't make a lot of money and I didn't have it available. When I was paying my AMX bill online I saw an option for pay over time. I have a Gold card, which as I'm sure you know has to be paid off every month. So I called and spoke to a representative and asked her about the program. I told her how much I was going to spend, I asked how much the monthly payments would be and what the percentage rate was. The last thing I said is I need to you to make sure I'm eligible for this. She said yes, Ms. Skoby there is no problem. Go ahead and put the charge on the card then give us a call to set it up on pay over time. I said to her, are you sure? I don't want to call back and find out I'm not eligible. She said, yes everything is fine and it wouldn't be a problem.

So, I got the surgery for my dog and I called AMX. And wouldn't you know it. The person I talked to this time was extremely rude and said that that never invited me to partake in that offer. Which obviously they did or I would have never known about it. I asked to speak to a supervisor and all she would say is I'm sorry the representative told you that but we will not be able to extend that offer to you. I asked to speak to another supervisor and they said they will have someone call me. No one did, I called back, they said it may take awhile and no one was available to talk to me. Every time I call now I get the run around and I don't know who I can talk to about this.

Please help me. Can they do this? I don't have the money and I don't want my credit ruined. I would have never done this if they didn't tell me it was fine. I can't return any item. I wasn't trying to spend money I don't have I just wanted to save my dog and they told me it would be no problem. What can I do here? My bill is due Dec 7th and I have a feeling they will keep evading me until then. Any information you could give me that would help would be greatly appreciated. I hope they aren't doing this to other people. I want people to know so they don't get in the same stressful situation I am in.

We had our american express blue card for 10 years, had a balance that went up and down consistently. Never late, never missed a payment. When we paid it off a couple of months ago, they closed it with no notice. NO NOTICE!!!

I was an AMEX member since 1991. Gold, Platinum, and charge card. Spending on the card in excess of 250K over that time. Never defaulted and paid all my balances...I was shocked that all 3 cards were cancelled recently, because I was considered a risk...Wow!...what a wake up call of who I was doing business with...I will never do business with AMEX and try to boycot any business that does take the AMEX card. That's getting easier these days too!...lol I've just incorporated 3 new companies and will not have my employees issued or use or accept the AMEX card...Really my goal is a credit score of ZERO!...lol...But that's kind of hard with the new revenue stream from my new companies...But I will watch and have banks compete for my business. Maybe start my own Bank for just family and friends...Hmmmmm...Not a bad idea?...lol

On April 14, 2008 we went to a time share presentation, it sounded like a good deal they offered many things with the package. We charged $9, 417.00 to Am. Express with a balance of $6, 550.00. When we arrived home I tried to find out what resorts they had availble for our next vacation, I found none of the web sites they had provided us with so I contacted American Express immediately and notified of the suspected fraud then I emailed the time share co. of our cancellation of our contract which we were within our 5 days provided in the contract then I sent a certified letter stating the same thing. But they said I sent the letter to the wrong address. I found many complaints about this Co. and I posted my complaint on the web. I was contacted by many people, two were customers of American Express. One had a large disputed amount since January of "08" that means AM. EXP. were perfectly aware there was a problem with this company. In June another customer was ripped off. AMEX has denied all customer claims.