American Express Global Reviews 5,220

I have been with American Express for many years and the one time I am two days late you charge me £55.03 Interest,
They have never pay me anything when I am two days early with my payment.

Greedy corporate vampires preying on people

By means of this letter, I wish to express my absolute frustration and indignation regarding the arbitrary and unjustified suspension of all my American Express cards, a situation that has caused me extremely serious personal, family, and financial problems.

After more than 25 years as an American Express client, maintaining high-level products such as Platinum and Centurion, the treatment I have received from your institution is frankly unacceptable.

The suspension of my cards occurred on the very same day I received an email requesting information as absurd as my telephone number and address — information that American Express has had for decades and constantly uses to contact me with product and service offers, as well as to send account statements, replacement cards, and other official communications.

There was no prior notice, no warning, and no reasonable attempt to contact me before making such an aggressive and disproportionate decision as blocking all of my payment methods.

The seriousness of the situation is even greater considering that my daughter is currently alone in Europe and relies precisely on these cards as her primary means of payment. The suspension left her in a situation of enormous vulnerability and uncertainty abroad, which is absolutely irresponsible on the part of American Express.

Additionally, in Mexico I have multiple essential services linked to my American Express cards, including phone services, toll tags, automatic payments, and other financial and operational commitments. This sudden suspension has caused payment rejections, interruptions, administrative problems, and a considerable loss of time trying to contain the consequences of a completely unjustified decision by your company.

To make matters even worse, the treatment I received today from American Express personnel was rude, indifferent, and completely lacking the minimum sense of urgency and empathy that a situation of this magnitude requires.

It is offensive that a company that constantly floods its customers with promotional emails — many of which go directly to spam due to the excessive volume of advertising — now attempts to justify a complete suspension of cards based on an alleged lack of response to a single email sent only the previous day.

American Express’s actions in this case reflect a complete lack of judgment, deficient internal controls, and a level of customer service unworthy of an institution that claims to provide premium service.

Therefore, I formally demand:

* The immediate reactivation of all my cards and a formal guarantee that this situation will never happen again.
* A detailed written explanation specifying who authorized this suspension and under what specific grounds.
* A formal apology for the damages and disruptions caused.
* A concrete proposal for compensation for all the damages generated both in Mexico and abroad.

I want it to be clearly stated that this experience forces me to seriously reconsider my relationship with American Express and evaluate the definitive cancellation of both my Platinum and Centurion cards, as it has now become clear that even after decades of loyalty and business relationship, the company is capable of leaving its clients unprotected in an arbitrary manner and without the slightest concern for the consequences.

I expect an immediate response and a solution proportionate to the seriousness of the damage caused.

Furthermore, today AMERICAN EXPRESS itself acknowledged during a telephone call that the only attempt they made to contact me by phone on April 9th was unsuccessful, and yet they still proceeded to suspend all my cards, even though I provided the requested information on the very same day I received their email.

I opened a Business Card with American Express and after hitting the 6-month mark, I requested a credit line increase. Somehow, they’ve closed my request FOUR different times claiming they “couldn’t verify” me, yet nobody has ever actually called or reached out to verify anything.
Every time I contact customer service, the experience gets worse. The reps either don’t listen, give different answers every time, or claim attempts were made to contact me when that simply never happened. It honestly feels like nobody knows what’s going on.
For a company that promotes itself as premium, the customer service has been terrible. The lack of communication and professionalism has completely turned me off from doing more business with them. Definitely not the experience I expected from American Express.

terrible service with absurd fees. any other bank would waive a charge due to unable to login to their crappy app.

Amex business line of credit is horrible and unreliable. They hinder my business by approving me for 137k line, then i made the decision to accept bigger jobs for my business and was going to make amex my number 1 source of credit accounts, when all of sudden without warning my credit line was dropped to 40k in 3 weeks of them seeing my financials and approving me for 137k. They claimed it was i was using my amex credit cards excessively. I have a business that rotates a few hundreds of thousands a month and if i was bringing my portfolio to them, it was suppose to be for the better. Now i was committed with big projects and without the financial support they had set the expectation with. They hindered me financially and will never use them again. Imagine u have a friend tell you, i ll lend you 137k to grow your business, then Backs down weeks later. What commitments did you now have that they are leaving hanging with. Perfect way to end up in bankruptcy and base on other comments they ve done the same to others. They dont understand that if they restructure lines drastically and randomly causing you to go down financially, they too will be going down with you on any remaining notes you have with them.

I would give it 0 stars if I could. Worst customer service and options! I tried to use my points, which is a joke... after 8 years and 8000 points it came out to only $50... to buy stuff on Amazon but the transaction was denied and they let me close the card before telling me that it was denied, so I lost all my points...im very frustrated and would not recommend Amex to anyone!!!!!!!!

Horrible interest rate. Please do your due diligence before you make a decision. It’s a poor system built to have you paying more interest then the capital on the card. Trust me there are better options out there. You deserve better

I called AMEX to report a purchase through Sand and Fog, which turned out to be a fraudulent website, according to the Sand and Fog customer service representative. I contacted Amex. The first Amex representative I got went mute while I was explaining the situation to her. I don't know what happened there. I called back. The second Amex representative kept cutting me off and was essentially explaining that it wasn’t fraud of all things!!!!! She told me that my purchase was NOT a fraudulent purchase because I made the charge, and that I needed to contact the merchant for a refund. I kept trying to tell her that the semantics of it were irrelevant! A fraudulent/scam website that appears to look like the real site was what the Sand and Fog customer service representative told me likely happened. The site I ordered from and the site Sand and Fog is saying is correct appear the same to me. That said, why would Sand and Fog have no record of us making a purchase and we did not receive any order confirmation! So somewhere something got crossed and yet I still had a charge. But how am I going to request a refund? With what order number!? I made a purchase in good faith, so I understand why that may not be considered fraud, but that is what AMEX represenative wanted to focus on! Semantics. Someone or some website still has my card information and did not send an order confirmation of a purchase after the charge occurred on May 2nd. I told the AMEX representative that I would be happy to forward or show the email responses from the Sand and Fog customer service representative as proof and the AMEX rep’s response was something along the lines of waiting to receive the goods...... no goods are coming because there was no order confirmation, which the sand and fog representative confirms in their email.
And when I asked the AMEX rep to cancel my card, it was like she didn't want to do it! She told me to contact the merchant....WHY WOULD A SCAMMER MERCHANT RESPOND ABOUT AN ORDER!!?!? AND WHY WOULD THE REAL MERCHANT HAVE THE ORDER NUMBER!?!? I felt unheard and like there was a disconnect. I pay my card off in full MONTHLY, and I have spent well over the amount that I was requesting the AMEX representative open a dispute for. It is the principal! If I tell you I'm concerned someone has my card information, I need my card to be cancelled, so I have peace of mind! Not the back and forth. I tried to get the AMEX representative to understand my side: that a scam/fake website is not going to leave an actual email for someone to contact! I will ensure that I really check the links and sites when ordering because this could happen to anyone. But honestly, scammers are craftier and craftier, which makes it hard to gauge what's real and what's not. All the more reason for bank representatives to listen for understanding, not just to provide the automated responses. I didn’t feel like that occurred, and I am honestly a little weary about using my card for any future purchases because of how it was handled in comparison with other banks. Other places I bank with have never made me feel like it was my fault for purchasing in good faith, nor given me this much pushback about opening a dispute or asking that my own card be canceled. I’m disappointed.

Yearly membership fee of 650 USD. No problem.

I paid the fee in advance, and they posted -649.48 USD, which should have been posted as -650 USD.

For some reason, 52 cents is missing, and they will provide NO explanation as to why.

So the yearly fee has not been completely paid.

I don't care if it's under by .000001 cents. I paid 650 USD, in advance; my balance should reflect -650 USD. Not -649.48 USD.

This is corrupt. 52 cents... Where is it? No answers provided, just a bunch of Indian operators transferring me to another Indian operator.

What should one expect when operations are outsourced to India?

Honestly? Clarity?

Amex UK - This company used to be amazing and looked after their customers... Absolute shambles now, no customer communication with emphasis on collecting annual fees.
I have tried to cancel a card without success as nothing seems to work.
Once again today an automated call that never connects.
Awful complete drop in care.

To use their wording"After careful consideration," How can you do within 2 minutes whether to open an account or not. I would say for that to make sense you would have to spend the minimum of 2 hours check not within 2 minutes so that would be lie told by them to me.

I have spoken to bank managers who told me before it can take from 2 hours to week in some cases to decide if someone if someone suitable

Well, I considered applying for American Express Blue Cash Preferred card that has a bonus of $300. The problem is they tell you what your bonus is after you applied, it could be $0. What kind of 2026 possible bait and switch offer is this?

Fraudulent company in every way. They are taking huge percentages from merchants for their customers flight upgrades, things to buy with the points they earn off the backs of merchants. Piece of crap company at best. After I stop taking them for a couple of years, they added themselves back to my merchant services. Slithery little snakes had to cut them off again! I will never take or use American Express; biggest frauds in your wallet; hopefully you throw it away like I did!

For over a year their ability to verify my account and pin number over the phone has been far beyond ability to verify it by their system. Consistently I must be sent to card services to verify my account, and hopefully they don't disconnect me by accident. One representative let is slip that AMEX's security services can't work on LAN line phones.. Which only affects their corporate customers who don't want to use their personal cell phones to call AMEX every time!

This week though, they upgraded their Online platform which now, no longer will provide easy Itineraries and Receipts. Not to mention the new system for searching reservations is buggy at best.

A couple years ago I had an emergency medical situation where I needed to get funds when I was financially unstable. I was able to get Amex gold delta card for $1000 credit, used it and shortly paid it off when I got back on my feet. I decided to cancel it because I had no use for it, ultimately because of the $150 annual fee and by recommendation of my financial planner. (Yes I realize this impacts my credit score but worth the small sacrifice of not paying an annual fee for benefits I will never use). I called yesterday to cancel and the overseas rep went from very polite to very aggressive when I tried to cancel it. He fought me at every turn demanding reasons why I shouldn’t cancel my card, even when I was trying to maintain my own privacy and discretion saying “for my own financial stability and recommendation from my advisor I need to cancel this please”. He argued with me that $1000 “was nothing” and that it would be silly of me to close because of this. He offered to lower APR and I declined again politely and he scoffed until I told him “I don’t care, stop it, I’m not changing my mind just close it.” I know they are given scripts and told to push, but I did not appreciate having to give personal information and reasons he did not need to know in order to get it closed. It felt incredibly rude and invasive. Shame on Amex if this is what they are prompting their customer service reps to do. I will never use Amex again.

Customer since 2006. American Express closed my account without any direct notification.

They claim notice was given via messages on monthly statements - but this was a £0 balance account, so there was no reason to log in and check them. No email, letter, or SMS was sent beforehand.

The only letter I received arrived over two weeks after the account had already been closed. I only discovered it by chance when logging into the app.

Their complaint response also contained incorrect information about prior contact, which undermines confidence in their handling.

Poor communication and even worse complaint handling. I’ve now escalated this to the Financial Ombudsman Service.

Absolute TERRIBLE credit card company! Zero protection if a seller ships USPS and your package gets lost. Closing my accounts asap and will never have an AMEX again! AMERICAN EXPRESS IS ABSOLUTE TRASH!!!!

Astonishing lack of customer empathy. Set up DD to make payment for my credit card. They didn't set it up so charged me a late fee and refused to re-imburse, even though I made an immediate payment. Can't use the card in loads of places either. Far better options available with other cc providers.

I'd give them a zero. I paid off my card and had not used it for some time and had a lot of points. Without warning me before hand, they closed/canceled my card. Would not reopen it, lost all my points and they told me to reapply for a new card - another credit check. Terrible customer service, terrible communication and terrible company as a whole even when I had payments.