American Express Global Reviews 5,210

Failure for them to enact my direct debit instruction resulted in charges and fees.

If you want to ruin your day (even if you have outstanding credit), apply for a credit card with American Express. Bruce Davidson

Playground bullies
A fraudulent transaction on our account was reported to American Express. With the help of customer services, documentation required to investigate our concerns was submitted on line. Some time after submitting the required documents we recieved a letter advising the case was being closed as American Express had not received yhe documents requested.
A further discussion with a customer relations supervisor resulted in the documents being found. We were told that the charge would be suspended
Today a further letter requesting the documents that American express acknowledged they already had and which had been submitted on the wrong paperwork, although it had been completed under the guidance of an American express customer supervisor.
Why do they believe they can behave like school yard bullies.
A complaint has been lodged.

AMEX hayday has been and gone regrettably. So grateful I was a customer in those days when they were US based, picked up your call in 2 seconds, thanked you each time for choosing American Express etc. At one time lots of outlets and retailers accepted it and I built up hundreds/thousands of reward points because I used it for everything [because of the incentive to use it as much as possible to gain bonus points]. Very tricky to use it anywhere on the high street these days and the reward points aren't half as generous as they used to be. Likely to cancel in the coming months as no benefit anymore. RIP AMEX.

jokers i had amex i cancel it and next day i apply again and they rejected lol so rubbish system wast of time

This is the worst company the worst agent 0 knowledge

If I could give them less than one star I would. Let's start off by unfortunately due to hardship for many years I was not able to pay them off and fall like I used to when I first got that card. But never ever since I ran into a hard time was I ever late for many years I pay them mostly almost $130 in interest a month out of the $200 payment I make or roughly under $200 a month when I can't make the $200 a month. Recently for the first time in my life I was not able to make my payment on time due to the holiday which was President's Day that both on a Monday and the day before that was Sunday. I made my payment at 8:05 a.m. on Tuesday contacted them and begged them to save me the lousy $29 in late fee for the first time and I was denied three times. It is a unfortunately that a company like this doesn't care about their customers like me, they only care about money and that's all it is. As I promised them over the phone for the third time I will do my best to pay my balance off within the next 3 months which means they will lose thousands of dollars over a lousy $29 late fee and still was told sorry can't do it. Shame on this credit card company for taking advantage of many people especially those who are going through hard times unfortunately after that received the card and as I mentioned I had no problems when I first got the card unfortunately things do happen between covid which I never took advantage of their program and still paid them every month being unemployed for a few months here and there between then and now and never took advantage of their programs of hardship one time 12 hours and 5 minutes I was late and they could not waive a $29 fee after collecting thousands of dollars in interest over the years. I will make sure I pay this card often fall and show them what a mistake they make. And I reach out to those going through the same thing I'm going through find a way to pay off your card either way and show them that people really matter and if they don't care we don't care

Genuinely some of the most incompetent and rudest customer service I’ve ever experienced. They literally don’t care about their customers whatsoever. They need to take some notes off of Airbnb. I will be cancelling my account, it’s not worth the BA points anymore.

I know I'm running against the crowd with these comments but what can I say other than I have been treated very well by American Express. I always seem to be able to get through to a human being very quickly and that is very rare in my dealings with any company nowadays. They always answer my questions pleasantly and efficiently. And in two disputes with companies over charges they have acted on my behalf brilliantly and sorted both of them out. So I can only call it as I see it and let's hope this review doesn't lead to negative karma and my first bad experience with them!

This company offers good rewards, which is the sole reason we applied for an account, but unfortunately it's very difficult/impossible to even open an account despite their charges being the highest (many suppliers also won't accept this means of payment). We are retired but with very solid income/financial background and were informed that we had been declined (which has never happened to us before) and would receive a letter informing us why, which we are still waiting on 12 months later! Ridiculous situation but this is, I guess, a US based company so basically has a 3rd World perspective (an insult to developing economies so apologies for that). Not sure how they remain in business but looking at other reviews I think we were fortunate to avoid being embroiled with this organisation (not really a surprise that the US is economically imploding if this is how their business community operates).

Firstly, the dispute resolution process is a joke. If you have an issue with a payment just write it off because Amex aren't interested. Secondly, if you have a service issue they make you contact them by snail mail. Who does that in this day and age? A company that doesn't really want to hear from you that's who. Thirdly, after following the snail mail procedure three times they have failed to even acknowledge receipt let alone provide a response.

After being with them for 10 years. I've now finally had enough of them. They've been excellent, up until now. And they don't seem to care if you've been a loyal customer, paying on time, etc.
I accidentally decreased my credit amount (so simple to do), and they have no idea how to reverse it. One is telling me I can appeal, but it can take 30 days. The other is telling that it could take 24 hours. If their representatives are clueless, then I've lost trust in them, to be honest. There are plenty of other credit card companies out there. The only reason I stuck it out with AMEX was the large credit limit. But if that's gone, then what incentive is there to stick around?

Great experiences with Amex so far. Benefits could be better, though, and keep getting reduced from what I hear. Customer support is helpful and pretty much always available.

I am a platinum card holder and have to stay on all my seven experiences with Support. They are probably the worst customer service treat you like crap don’t bend. I don’t have common sense policies policy even if it makes no sense.

Whoever was a part of the decision outsource customer support offshore they ruined amex

Truly terrible experience . I applied for the British Airways Amex card a couple of weeks ago when my friend was with me and then she remembered ( within less than 5 mins) that her husband could send me a link to donate 33,000 points - I had to go through link to apply and it turns out this was the Premium Plus card . I was accepted for the first card instantaneously but on the second application I had to wait to see if I was a suitable applicant- I summised this was because the spend had to be bigger ( even though there’s a £300 pa fee) . Several days later I was told that I was succcessful and the next day I received card . I then attempted to ensure the donated points were on my premium plus card instantaneously- amazingly I was told no ! This was because I was already an account holder - so even though I had simultaneously applied for both cards the fact that premium plus took days to process meant that I lost out on the benefits . To add insult to injury not only could I NOT receive donated points , their welcome offer ( 30,000 points among other things) was also not open to me either.
I have had endless phone calls with endless advisors who simply parrot that this is their rules and just saying sorry but to no avail. How shocking that American Express through their own ridiculous processing system deny the benefits to someone who would have put all their expenses and spending through this .
I’m appalled at the dismissive and ridiculous ‘rules’ .
Don’t bother people !

Extremely disappointing experience applying for this card. There has been absolutely no communication throughout the entire process. I applied over 30 days ago and I am still waiting for a decision with no clear explanation.

No one is able to tell me what they are waiting for or why there is such a long delay. The lack of transparency is unacceptable and feels completely unprofessional. A financial institution should be able to clearly explain the status of an application, yet that has not happened.

What I believed would be a reliable and worthwhile card has turned into a frustrating and negative experience. Based on how this has been handled so far, I cannot recommend this service.

I was scammed in a bar in Vietnam with a fraudulent payment, AMEX were far from supportive. Months and months on end passing until they don't even update you on the result. I've had many sleepless nights about this and will battle this to my grave. Never ever bank with American Express. Terrible.

£99 has gone missing out of account due to a dispute against a seller who didn't send the item. Support say I won the dispute but can't show me where on my statements that it was credited to my account.

Pathetic customer service from someone called Rachel and the manager Mike. Tried to explain to them that when the balance was due on the 9th Feb, it stated no amount was due, I paid the rest of the balance off on the 10th Feb and was then charged interest of £51.88. They said the fee is valid and will not be waiving it. I normally pay the balance on time or more of the time before it’s due. You’d think they’d be a bit more helpful by waiving the fee, however, happy to charge a ridiculous amount which I work very hard for. Cannot wait to cancel my AMEX card once I receive my cashback. The quality of service has really become terrible in the last couple of years. I would avoid as they hardly offer anything lately.

American Express use to be one of the best companies to be with until recently. I’ve been with them for approximately 11 years, with three cards. Meanwhile, I decided to take my autopay off of one of my cards and ever since everything has gone left. I’ve reached out via chat trying to get an email address so I can write an higher up because speaking to someone over the phone is pointless, maybe they can read effectively and efficiently. Since I took Amex off Autopay, they decided to decrease my credit limit to the amount I owe causing my credit score to go down by 20 points per bureau. I’m beyond frustrated and furious. Playing with my credit is like playing with my money. Ppl hate who and what they can’t control. I’m about to pay my balance off and cancel all of my cards.