December 31st, 2010 at 16:22
Boycot American Express

I was a 13 year member / customer of American Express. With A credit score off 800 and decided to open a Import furniture company. American Express did a great job offering me 5 accounts with credit of 150k with low aprs and continued to market me and offer more account. I pay all my debts on time and importing counted on American Express for my container purchases.
This is what American Express can do for you
They will offer you loads of great deals, but watch out here is what they did to me.

2 years agog they told me my Gold account ad earned 40k + earned spendatures, then when economy took a turn they quickly lowered it to 22k and said your fico score changed, it hadnt changed until they did this to all 5 account I had with them maxing out my cards making it appear as I was debtited out.
November 2010 they called me before my cut off date asking for a payment, I stated my cut off date was next week and that no payment was due. They contiinued to beg to set up a payment, I said why are you calling I always paid my debts on time, I paid 65k off in debts this year, she replied oh yes and 25 k off on your account s with us, you are a excellent customer fo 13 years, then said can we set up your next payment. I said no, I will pay it as I always do, the day before my statement date tehy emailed me a letter saying,
So there are no surprises when using your account we lowered your limit on your gold card t0 1500.00 stay in your limit oor you will be embarassed at checkout.
I called a supervisor aginwas told my fico score changed, (i ran a crdit report and no changes EXCELLENT CREDIT). Then said if you give us 3 years business taxes maybe we will give you a little bit back, I closed all acount told her she was damageing my acsh flow for my company and importing and it was all or none, meaning work this out or it would cause me into default, she replied your fico score created this …I have my credit report printed and its excellent.
I had a container departure leaving indonesia and needed it, I had to use the money I would have paid them to get my goods to save my business, I in turn incorporated my business, homesteaded my home to protect me from them. I sent them the Sease & desist letter as I was advised to do so. I sent them a letter to do debt consolidation and immediately they sent me to collections. I now had to do the same thing to their collections whol are very rude. All this at the holidays, I have survived with my company through all the hurdes of the economy and they have made it to almost close my company due to my cash flow. Next on my list is Chase. I am starting my New Year off with the theory “support small Business” never bank or einvest in large companies, minimize doing any sort of business with corporations if there is a company local you can do business with do so.
If anyone has any ideas or success stores, please email me on my next step with American Express.
By the way the points they give you, they truely dont give you, MERCHANTS PAY POINTS WHEN YOU USE YOUR CARD AT THEIR BUSINESS. Lets all pay cash and Take these companies down once and for all.

AMERICAN EXPRESS NEEDS TO BE CLOSED!

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To Whom It May Concern:

Today like last month I attempted to pay my GE Money Account with ShopNBC on line and when I did this I was told that I could not register with the online service and I had to call the customer support phone number of 1-866-597-1513. I called this number just like I did last moth and I was hung up on again twice.

I proceeded to call ShopNBC and related my frustration again with this problem they were kind enough to get me to GE Money Bank.

As I related my story to now the GE credit manager they took my payment over the phone which did not cover my delinquent past due charge the amount listed on the invoiced as past due. I did this because suffice it to say hat was all I could afford. I will not be able to cover the past due amount and the current charge until I find employment in today’s economic downturn.

I asked why GE Money Bank would not take a payment on line even on past due accounts, for at least the amount past due. I was told because my account is delinquent I would not be able to register for online payment and I would be required to do it over the phone and I could be charged a service fee for this privilege. This is over and above the 33% interest I am being charged.

I asked why not change the database algorithm to allow for this type of payment. I was told that the credit organization had no control over the data base and they could not even suggest such a change. I wondered out loud why a manager in the credit department of GE could not write a Feature Request Memo, to the manage of the Development Department Manager of the on line payment data base I was told that no this could not be done but as a customer I could write such a suggestion and send it into GE for evaluation.

I stated that this was a finger pointing game and GE would not respond to this type of correspondence.

It was further suggested by GE Money Bank that I contact the collections department and maybe they could do something for me. I proceeded to do that I not only did I get insulted I was asked when I would make my payment current so I could enjoy the privilege on online payment service. How arrogant can the employees of GE be to treat their customer base with such disrespect?






It is my opinion that GE should treat a customer request with the utmost politeness and get people on line with a concerned customer and resolve their issue by bringing the proper parties together from GE and the customer to do just that. After all this is the age on information technology. I was taught this when I was working in customer support when a customer called in you resolved that issue for that customer or got the people within the corporation to assist that customer without having the customer write Feature Request Memorandum and hope that EG reads the letter and responds to it, or have the customer call another toll free number for more run around. What happened to the day when big business listened to the customer and did everything possible to satisfy the customer? Maybe GE should start paying attention to what is happening with GM, Ford and Chrysler today. The auto industry ignored the small customer and just went after the big profits and look where they are today.

A lesson to be learned here is the little customer is not dirt under the beet of big business to the foundation that big business is built on. Destroy the foundation and the whole building collapses.

After these phone conversations with GE management I went out on the WEB and I found the following two sites with very little effort.

http://www.complaintsboard.com/complaints/2876/page/3

http://www.consumeraffairs.com/finance/ge_money_bank.html

These sites list various complaints the consumer base has with GE Money Bank. Now I realize that there will always be unsatisfied customers out there. However when they start logging those complaints on the WEB there is probably some justification for these complaints, This further indicates to me that GE does not seem to care because I have not seen any positive responses form GE on these matters of complaint. I would thing that a corporation as big as GE would have an employee someplace within their organization that would and should respond to this negative publicity and answer these accusations. But me I am just an unemployed person who GE will not ever interview even though I have two Masters Degrees and 22 years management experience some of which is in customer support.

My suggestion to GE is to

1. Correct you online payment process and allow even people who are delinquent to make payment on line.






2. Correct your internal communications and customer support process to make the customer feel the nice warm and fuzzy feeling that a big money making corporation does care about the little customer foundation that eh big corporate entity was built on. Get back to basics and treat the customer with respect not matter how small or how large,

3. Have better internal communications and allow manager not to be afraid to question the corporate structure and take things on that might be risky as the beginning.

4. Get back to the core customer base ad hire people who support that customer base not treat it as dirt under their corporate feet.

I realize these suggestions may seem drastic now but in the long run they will pay off after all that is how GE got to where it is today. If we want to turn this world economic situation around we have to take on risky changes that will help rebuild the core business that is the corporate heritage. The current economic situation requires change in management philosophy and the way we look at our goals short term verses long term. We should have learned that from the Toyota story and the automotive industry in Detroit. Wake GE embrace the change that is coming or suffer the decline of doing business as usual.

Thank you for your attention into this matter and I look forward to your expeditious response if I am lucky enough that someone actually reads this letter and has the courage to change things. By the way I am still looking for employment.

this company charged me 14.95 without my consent...i haven't even visited whatever site this is. see a lot of complaints with no results...i hope i can get something out of this. like my money back!!