Customer ReviewsforAmerican Express Company

Card approved to use immediately, but unable to ACTUALLY use it because you don't physically have the card until it's mailed and able to add to the mobile apps for payment as you need the 3-digit code on the back. FALSE ADVERTISEMENT.

I took out a cash advance and was charged interest every month for several months (in addition to the cash advance fee) even though I paid off my statement balance every month. Every month by the due date, I chose the option of paying the statement balance in full, but Amex kept denying it was paid off and kept charging interest on just the cash advance, not on any other charges. Even after I closed my card and paid the balance, they continued to charge interest on that cash advance. I could not make it stop. It wasnt a lot of money, but it was so annoying. There is some kind of glitch in their system and they dont care.

In Nay 2024, I was notified that my credit limit had been significantly reduced. Upon investigation, I discovered that the decision was influenced by the creditworthiness of someone elses account. I find this action unjust and unfounded, as my personal credit history have remained exemplary. I have been a a loyal customer of ********************************************* for 6 months and have always managed my account responsibly. My payment history is spotless, and I have consistently maintained a health credit utilization ration. The decision to lower my credit limit based on external factors unrelated to my account undermines my trust in your company and adversely affects my credit score.

High annual-member-dues and interest-rates! Are not taken by all merchants due to their high sales transaction-fees! Plus lowering your credit-limits have built-up over the years for no reason. They complain about you disputing merchant charges due to damaged and defective products or services! Threaten to cancel your account!

My American Express savings account was FORCED to close by an Amex representative due to their business decision. However, they couldnt able to disclose any business decision information to me. Amex only mailed me a check which was partial of my account balance. Amex still holding my ending balance of $3714.25 in their main account. Ive been contacted them many times over the last several months, theres no specific solutions being given. The only way I was been asking by Amex is contacting my check maker to recall checks. Which I already did. Since the check maker is my owner, **** of America is the check issuer. I went to **** branch with my owner and spoke to one of the BofA manger personally. BofA manger said he had never heard such things as recalling a check, especially those checks were successfully deposited at the end of last year 2023. We also called for the top line of **** and received the same answers. I also asked other bankers for advises, none of them have heard recalling checks from this circumstance. Additionally, Amex doesnt have any physical locations so I have to explain my situation every time over the phone to different Amex representatives. They couldnt able to provide me with any reference number or case number, that really makes things even more complicated. I am not sure if they are inexperienced or I am encountered racial discrimination because of my ethnicity. As English is not my first language, so its very difficult for me to communicate over the phone. They were extremely impatient often times and they even hung up on me one time. I felt strongly uncomfortable with the tones they spoke to me. Despite of all my time and efforts. I worked very hard to make a living, and I dont see any reasons for Amex holding my funds. I am definitely super disappointed the way I am being treated by Amex. All in all, Amex doesnt provide any useful information for me and theres ABSOLUTELY no reason nor excuses for them to hold back my funds.

Every month I'm being charged $75 interest fee even though I make my monthly payments on time. I tried calling to see how I could resolve the ************************ told me I would have to pay an additional $59 up front to lower my payments to $59 dollars a month. This is after I already paid the $100 this month. So how is this helping me? I said no thanks. It's already putting me in the hole as it is. This company is a rip off. Leave home without it!!!

this is the worst card ever. you can't even use the money on there. I deposited 200 because it clearly states on the package "start to make purchases right away with temporary card enclosed no additional activation required! that's a lie!

I opened a new credit card with American Express in April after being their member since 2015.I told them right away if they can change my due date to 15 or 17th of the month as my other credit cards are. Later, I noticed in May my due date was not changed and called them right away. The representative said the changs always takes effect in the 2nd month, which I didn't know but I was ok with because I paid my bill that posted on May 4th.Now I noticed that they charged me a late fee on May 4th.When I called them now they said nothing can be changed even though I have a record of not being ever late with my previous payments on other card with them and even though I am new credit card holder for this new card.Not something I would expect from a respectful American Express company.Beware.

Basically, I was charged a late fee because 'their' app needed an update and I was in ******** for work. Which of course means the app was not available. Somehow they gaslight the ish out of me and say it is somehow MY fault for not checking that the app needed updating before I left for work 3 weeks prior. Ill be sure to do that with all 173 apps on my phone the next time I travel. But not theirs as I cancelled the card immediately. This is just a bad look and I know they don't care, but just be aware of how they are doing business these days. This is a shame as I have never had any issues with Amex in all of the years of having their cards, but this was just unacceptable.

The reservation (May 15, 2024 through May 19, 2024) that I booked at **********************, *** was advertised with a $100 credit to be used at the hotel (bars, restaurants, etc). The hotel refused to honor the offer. When I contacted American Express, they stated that combining hotel and flight reservations nullified the credit. No information on their website indicates that combining hotel and flight reservations nullifies the $100 hotel credit.