American Express Reviews

Please take note current and future Amex consumers.
I wanted to summarize my unfortunate situation where Amex refused to honor one of their Amex credit card products' welcome offer when the online application successfully went through with offer confirmation from Amex representative at time of application. On top of that, I also received solicited application offer for the same card that was mailed to my physical home addressed to me from Amex at time of application. Since then, I met all requirements by now and only then Amex is telling me that they will not honor the offer. Spoke to multiple Amex reps since the complaint where they claimed investigation was done and that decision is final that they would not honor it without valid and detailed explanations despite their mistake and misinformation during my application and failure to explain why only now months later am I told I don't qualify for it. They went through the recorded phone calls and confirmed/admitted the mistake made by Amex rep and said that they will improve their coaching in future. Amex did not show any remorse and did nothing else to compensate for the mistake they caused that significantly impacted my situation. I was denied a subsequent request for further investigation and escalation.

American Express has changed for the worse. They are not the great company they used to be. I had been a member for 11 years and when the chips were down they let me down. Let me tell you. I rented a car from the Amex website for my Costa Rica trip. The Amex site says to tell the rental company that Amex provides insurance.
When I arrived in Costa Rica an employee from the rental company, EuropCar, drove me from the airport to some location in the city. When I learned they were going to add $250.00 for insurance I told them Amex was providing insurance but they said I had to take their insurance or no car. I refused the car. No one at all had told me there would be a $250 additional charge. They could have easily said the insurance would be a thousand dollars.
So, I was stranded somewhere in Costa Rica and to boot my phone was going dead so I had no choice, I took the rental car. Initially, when I refused the car the representative became upset with me. He would not provide a map. As soon as I left my phone's battery went dead. I did not know who to call anyway but I needed the phone for directions to the hotel. I was totally lost in Costa Rica.
I will give them the insurance obtained through bait and switch, but as soon as I left EuropCar Rental, the engine light went on and there was an awful smell. No thought Amex does not believe me but it is God's truth. So, with the help of a local merchant I somehow made it to the hotel.  I parked the car and called the number the representative gave me for emergencies. I called for three days straight but a voicemail would play and they would not answer. I never drove the car the whole time I was in Costa Rica as I did not want to possibly damage the engine and then be in worse shape.
My dispute was denied twice. I wrote corporate and I just talked with Ms Broderick from the executive offices. American Express will not return the money even though there was a bait and switch and the car was not functioning properly. I closed my account....Think twice before opening an account with American Express or renting from EuropCar.

Most Dishonest company out there. Your calls go to another country with a different culture that could not understand them and they don't understand you.
After all these years that I gave them over $100,000 business per year, they showed their thru face. Pandemic put a toll on all small businesses. AMEX was the only one to lower my spending limit all the way ($2000 a month) what a joke. I took my business to B of A. They are very understanding and pro-business. Amex company doesn't care about your success pandemic or not? Greedy Greedy Greedy.
The different fees often make or break a deal for a merchant. This is why many merchants, especially small businesses, don't accept American Express. American Express' interchange fee is just way too high. Providers like Visa and Mastercard charge between 1.5% and 2.5%, while Amex charges merchants between 3.5% and?. They only care for big businesses not small ones like us.

I would like to review Amex Italian Call Centre. I have to say that almost everytime you call the respondent is always very cheerful, listens to what you are saying carefully and is very helpful in the conversation.
I have to say that in the financial sector they are above the rest.

Had an issue where payment did not go through per AMEX despite funds in the bank and per AMEX all payment information was correct. Was told to escalate with my bank by AMEX customer service. Did so but after speaking with 5-6 people at Capital One was assured they had not received any request for payment. 4 people later at AMEX I was told that no, the payment information had not been correct and they didn’t know why I was told it was. Well, that was the group that decides whether you’re credit worthy, not customer service. Asked to speak to customer service, got transferred to another dept, then finally to customer service where I was told they can’t see the full account number submitted for payment so they wouldn’t know if it was correct or not. They apologized, I was seething by that time, but they had also assured me our original conversation would be in “the acct notes,” so I wouldn’t have to tell my story for the turned out to be 9-10 times between Capital One and Amex. But because departments don’t communicate no one at Amex knew anything at AMEX. They kept focusing on the fact that they we’re going to cancel my account, which had just been opened, not that they were next to useless in helping me figure out why a payment request did not even register with my bank. I never even asked them to reinstate the account. I was just trying to make sure they got paid. It was a HILTON HONORS account by the way. Will never stay at a Hilton again if I can help it. And they can thank AMEX.

Dear American Express,

In total, between three businesses and my personal accounts, I have 12 credit cards and do business with 8 different banks and credit unions. I had three AMEX credit cards. Now I'm down to two, soon to be just my personal, and, maybe, none if AMEX doesn't start acting like a respectable company again.

In the past 20 years, I cannot recall any major issue I had with any of my VISA, MASTERCARD, or DISCOVER accounts. I had to dispute a few charges a handful of times out of the thousands of transactions I did, but they were all quickly rectified by the credit card company. However, from May of 2020 to March of 2021, I had four issues with business American Express cards, in particular, their Amazon Business card and their Bonvoy Marriott card, ranging from them protecting unethical businesses, I proved, through email evidence, had charged me unjustified fees for services not rendered to cutting my business credit lines from $65,000 to less than $9,000 because they felt that 'I was living off my credit cards' to rewards points being all screwed up. After calling and emailing numerous times unsuccessfully, I filed a formal complaint via email and through the website, left a negative review on several websites, and then, for good measure, sent a certified letter to their corporate office just to make certain somebody over there knew how T'd I was. I even called my attorney.

I was called a few days later by an "Executive Assistant" Naomi C., who explained that she had received my letter and would be looking into the matters. After a few weeks of sporadic contact, Ms. C. finally called me Christmas Eve morning to give me triple bad news. She was obviously annoyed to be working Christmas Eve and made several comments that were eyebrow-raising, my three favorites were; one, that the unethical companies I was disputing were also defined as "American Express clients" because they initiated the non-fraudulent transactions through my credit card. Two, that I looked to be "Living off my credit cards". And, three, that she was looking forward to going on a vacation through January 5th as soon as she finished my file along with some others.
The only good piece of advice Ms. C. gave me is that I could combine the credit limits of my now two practically worthless business cards. Unfortunately, a few months later, another rep I dealt with for that, instead of combining the accounts and then closing them, simply closed one account and didn't do the transfer at all. A few week later, when I called again, I was then told by a third rep that it wasn't that reps fault, but my fault because I didn't ensure the account remained open until after the transfer was completed. Hmmm… am I supposed to be psychic and a babysitter as an AMEX customer? When you specifically tell someone not to close an account until after the transfer has been completed and they acknowledge you then ignore your request behind your back, how am I reasonably at fault?
Whoever from American Express who may be reading this, here's my response to Ms. C's eyebrow raising remarks: Your "other clients" are criminals that wrongfully charged me $2,000.00 for services that were not rendered, I'm not "Living off my credit cards" (especially NOT your company's anymore), in fact, I paid them all down to zero last month (Closing one of yours, which another rep screwed up the credit transfer for so I lost the remaining 9K of credit) and currently have a credit score over 800 and, I hope Ms. C. enjoyed her holiday vacation because she put an unnecessary damper on mine by calling Christmas Eve with no good news (Shame on American Express for making non-essential employees work holidays). Furthermore, I wrote Ms. C. an email last week to update her and pass on some much-needed guidance to this company. I received no response. Apparently certified mail to one of the company executives is the only thing that's taken seriously over there and, even then, an executive will not be calling to apologize for multiple screw ups on a business account, they'll cowardly pass that duty on to someone who's obviously already overworked, overwhelmed, and, possibly, unqualified to be interacting with the public.
WARNING: For anyone reading this, the "business guarantee" American Express champions on so much advertising that they will fight on your behalf when a vendor mischarges you, well, I didn't see that at all. I saw the opposite. Furthermore, their interest rates are ridiculous, their rewards points incentives are shrinking rapidly, their grace periods between payments is a joke at about three weeks, and their customer service… well, quite frankly, their customer service I rate a 2 out of 10.

American Express, do you want to fix this?!

Sincerely,

James Bellile

AmEx Travel chooses the most affordable packages for you without reminding you of the cancellation policies. I booked a $4500 trip to France and it seems that I won't get a penny back because I had to cancel due to medical issues. Make your own flight and hotel reservations. Dealing with AmEx travel is a no-no. Now they're telling me that rescheduling will cost me about $290, plus charges for the difference in hotel room prices, which will vary depending on when I reschedule. Summer rates would, without a doubt, be higher. I'll be down at least $1000 and I don't know whether it has to be rescheduled. NEVER Or EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER

I've only ever had an excellent customer service experience with American Express. They incorrectly charged me for interest payments and these were reversed. Regardless of what country I'm in the service has been fantastic. Proud to be an Amex customer.

Horrible customer service, zero compassion from their side during these challenging Covid times for everyone, except the banks?!

Not happy with customer service. Horrible experience. They made me believe it's my fault and didn't admit where they failed. Representative was rude and hung up in me.

Whats the deal with a company that approves you a credit card and than denies my card. What the heck is there problem.

American Express are the worst company to deal with.Do not deal with this company.Take months to deal with with the most simple task.Save yourself time and energy go to a company that know how to deal with customers.