American Express is a fraudulent company. They offered a promotion for $120 rebate if I purchased a laptop over $599.00 on the Dell Technology site. I did that in May 2023 and used my AMEX card to pay for it like the terms stated. The only thing I did was to use PayPal to facilitate the sale for security purposes. According to AMEX they will not honor the rebate because of that. What logic does that make? I ordered on Dell and paid the bill to AMEX. What difference does it make if I used PAYPAL? I will no longer use AMEX as my primary card. That is about $15,000 of business they will miss for not honoring a $120 rebate. But I guess I am small potatoes to them. The supervisor Richard was a real indigent jerk also. He could learn some manners.
American Express was trying to help me recover $233 I lost to a hotel because of last minute illness but made me run in circles! I don't know about you, but the price of correct information is priceless. Therefore, I contacted them on numerous occasions only to be ignored. Until this last time when I threated to go nuclear on them. They finally after much waste of my time assigned a case number, GC011HP0B, for which I hold little to no hope they will resolve my crisis. All I want is the equivalent points for $233, but this rich SOB won't do it.
American Express lures people into thinking they cacn get a credit card, then they pull the rug from under you and don't give you the credit card. Amerian Express is an evil compny. Don't associate with thes psychopaths.
I've been doing business with American Express for 35 years and Now I'm thinking about closing all of my accounts, because American Express allowed a computer illiterate person change the online banking system and now it takes you 9 hours to get through all of the system to find out how much you owe and what charges you have made. They had a good thing. But American Express allowed a computer alliterate person ruin their online banking service.
On March 14th, 2020 I made two reservations, one reservation was done with Expedia website; this was for the Bonita beach hotel. I got a print out of the itinerary for the dates of August 27 thru August 29th, 2020. The other reservation done on March 14th, 2020 as well, with Cesar Atlantic City Hotel for about two days earlier, and a print out of the itinerary from August 24th, 2020 thru August 25th, 2020. Both were done with the American Express card. Everything was good until the COVID epidemic changed everything.
On August 4th, 2020, I called Cesar Atlantic City hotel and cancelled my reservation with no problems. This was done weeks before the scheduled date of going there. Like with any hotels, you can cancel up till 24hrs before scheduled date of going there. Now, on August 19th, 2020 I tried to cancel with Expedia and I spoke to them since the reservation was done with them for the Bonita beach hotel. Anyhow, the rep. that I spoke with on August 19th, 2020 said no reservation was done with them. In addition I checked Bonita Beach website, I could cancel without problems. But obviously I was having difficulties over the phone and via website, and didn’t want time to elapse where I could not make any cancellation within an open window of opportunity given, well before the 24hrs window given by any hotel.
Like stated, I did what I could handle the cancellation on my own, and to avoid being charged for service never rendered with Expedia or Bonita Beach, but they were not acknowledging my reservation made from March 14th, 2020 which American Express showed as a charge and I had a itinerary printed out to show as proof. Anyhow, I immediately reached out to my credit card company on August 19th, 2020 and spoke to Andy from business team unit. I made the call at 12:39pm, and with a 37 minutes conversation with the rep. Andy , I explained to the rep about the current problem, and stressed about wanting to avoid further problems in the future with a non complaint company like Expedia.
So Andy also tried to call Expedia while I was waiting on the line, and could not resolve anything with them... Also she never mentioned any problems about not being able to cancel with the Expedia rep. after her phone conversation with them. She was even given instruction by the Expedia rep. to cancel via website under ‘management booking. ’ I tried doing that with the AE rep. on the line. I could not get access to that option on website. So, after exhausting all possibilities, The AE rep. Andy went ahead and gave me a cancellation for that charge of $792.21 from Expedia website for the Bonita Hotel, and dispute # D16666482 to show as proof for the conversation. She stated that AE will contact vendor and resolve issue created on their behalf, and not worry about this any further. In the mail I get the proof of the conversation and amount disputed. I thought everything was taken care of as I have done in the past with other cancellations I have done.
Then on September 9th, 2020, I get another letter stating from American Express with their investigation, to me meaning they made all their inquiries and found out that I am not liable for that charge. They once again credited me on my credit account for that amount of $792.21.
Then on September 26th, 2020, well over a month after whole situation I thought was taken care of. I receive a letter stating I was going too charged for the reservation because they were given a picture statement that there was no refunds, which of course I was never shown this by Expedia, or even Bonita Beach hotel. So, I immediately call American Express again on October 5th, 2020 at 9:29am, and once again explain my problem with rep. Jasmine. I went over the whole discussion I had with other American rep back on August 19. After everything was explained again and cleared, and rep. never mentioned about not being able to cancel and that there was a problem in the future, went again to issue another credit for same amount of $792.21.
So once again, on October 5th, 2020, I get another letter that after their investigation into the problem, American Express found that I was not liable for those charges of $792.21 once again. So, on October 15th, 2020 I receive another letter once again stating I was going to be charged for same amount of $792.21.
So I called American express again on October 26th, 2020 and explained yet again about the same original problem with the AE rep. Anna. Once again there was not mentioned of any problems of cancelling charge and getting a refund back. So, once again I get a third letter on October 26, 2020, stating yet again after their investigation, I was not liable for charges. And on October 28th, 2020, get a fourth letter reaffirming that with their supposedly thorough investigation, I was not liable for the same charge of $792.21
On November 19th, 2020, again I get another letter stating the same thing of being charged for the amount of $792.21. So I called and spoke to AE rep. Diana on November 24th, 2020 and asked to speak to a manger Victoria of why so many times of explaining the same story, I would get letter stating I am not liable, and then letters stating that I am liable for same charges argued about originally back on August 19th, 2020, and she didn’t care about my situation and said I would be liable for the charge.
So, as you can see my whole problem with this dispute of $792.21, I never was made aware about a ‘No refund policy about the Bonita Beach hotel having even made such a crazy stipulation, neither from Expedia or even American Express when I was making the original cancellation, and especially in a crazy time like COVID epidemic. If I was made aware from day one about this claim from Expedia or even American express, I would have concentrated all my attention with either Expedia or even Bonita beach. But instead the AE reps. just tried to sell me on other credit card offers, and wasted all this time sending four letters of ‘Not Being Liable,’ so I could continue using their card services, and making thousands of purchases on a monthly basis. With the pretext that the original problem was taken care of in writing “ based on our investigations, “ which were apparently was baseless information, and just wasted my time to really taking care of this problem expeditiously with the necessary people.
Now after two months wasted in calls and countless letters with American Express, by prolonging a charge that they originally gave me credit on so many different occasions and with the letters indicated this. Now they want me to be held accountable. This was not a lack of effort on my behalf to take of this problem but instead a great incompetence on the behalf of the American Express company to not communicate clearly of a situation presented to them on timely fashion, and just playing with a customer’s state of mind to charge or not charge in order to get my business.
These CROOKS have been hurting people who save money by constantly lowering the interest rate paid, over the last year.
From Jan to Jul 2019 they were paying 2.07831%. They have been dropping it over and over. Most recently in Aug 2020 and now again in Sep 2020. Currently it is a measly, paltry 0.59821%.
I bet the rate they charge to borrow of on their credit cards is still jacked up though.
We put our money with them because they were paying a fairly good rate with no risk of loss of principle. But their practices of constant rate reductions is hurting us. And they are hurting all the people who just want to earn a decent interest rate on money they have which AmEx uses, but doesn't want to pay a fair price for having that capital.
American Express National Bank American Express Serve has victimized me utilizing my Serve prepaid card after I had my in one tax refunds deposited to my Serve prepaid card has been excessively overcharged behind my back for various transactions and duplicated charges from what the merchants printout summary report shows. There was no third parties involved, no hidden fees or deposit in their transactions because they said were paid direct.
The merchant states all they charged is whats on there summary report American Express Serve online banking transactions shows more charges different from the merchants transactions. Serve has victimized my account they admit they would refund all my money and has not attempt to do so after calling them several times they have caused me emotional stress and depression during COVID 19. The merchant has put in a case for me after I reported it to them
I purchased a laptop from System 76, and charged the purchase on an American Express Credit card. This laptop had a one year warranty, and a no obligation return policy if returned within the first 30 days. The laptop was purchased with the understanding that Debian Linux was supported.
Within the first 30 days, I contacted System 76 to advise them the laptop wasn't usable due to a hypersentive touch pad problem. After installing Debian Linux, the touchpad problem greatly improved, but the keyboard lights wouldn't shut off, and the screen became very dim. At this point System 76 advised they would upload drivers to the Debian repository to fix the problem. A few months later, System 76 uploaded Ubuntu drivers to the Debian repository, and only changed the names of the files to .deb As a result, I was the victim of a fraud.
Six months later System 76 sent correspondence advising they would not be able to support Debian, and had no plans to in the future. Additionally they were not able to fix the hypersensitive touchpad problem. At this point I requested System 76 to exchange the laptop for one that didn't have a Cleavo motherboard, and they refused. However, they did have one, and had announced in earlier months they were going to start making their own motherboards. I asked for a refund, and System 76 indicated I should have returned the laptop within the first 30 days.
A dispute was filed with American express on no less than 4 times, and in each instance American Express closed the dispute within 48 hours citing the laptop should have been returned within the first 30 days. At no time was there any mention of coverage under the one year warranty that came with the System 76 laptop. I then filed a claim with the American Express Extended Warranty program on no less than four occasions, and American Express conveniently said the claim was not received. However, they did admit they had all the documents from the earlier disputes filed with them.
In October 2019, I instructed American Express to close my account and they refused. Additionally I refused to give them any more money, and stopped paying them after October 2019. American Express inflated the charges, failed to honor the dispute under the Consumer Protection Act, and then turned the matter into collection agency called Global Solutions LLC. Subsequent attempts at filing a complaint against them with their regulator the NY Federal Reserve were to no avail, and a guy by the name of Kevin Stiroh refused to respond. His boss John Wiliams, President and CEO also failed to respond.
This is a bad company, and I advise anyone to stay away from them. They sell prestige, but underneath that prestige is nothing -- no service, dishonoring of contracts, no dispute rights. You have no protection at all as a consumer if you charge something on your American Express card, and their are other institutions that can do a better job
On Sunday, 4/7/19, I had a flight from DCA to MEM that was to depart at 2:59pm. I woke to an emergency and called American Express Travel (I have an American Express Platinum Card and book flights EVERY MONTH through their website) and asked if they could put me on a later flight. I knew I would have to pay a change fee and was willing to do so. I told them if there were no options I would take the original flight as I am a physician who works in underserved, rural areas. I was scheduled to be at work 7am on 4/8/19 to take care of patients in a hospital in Mississippi. Many patients are very sick and in the ICU; and I would be the ONLY one in my specialty at the hospital
Otis (I believe this was his name) looked and found 2 options. Either an 8pm flight to MEM (but this would be first class and would cost me ~$1200) or a 730pm flight to Jackson which would cost $453. I agreed and he proceeded to book this ticket.
At 10:35am EST, I received an email from AmEx saying my card was being charged. This indicated to me that the issue was resolved, I was on a later flight, and could go handle my emergency
He then put me on a "2-3 minute" hold. This went on for 30-40 minutes. I began to get anxious because
1) I was unable to deal with the mergence
2) If there was no flight, I had to rush to get the original one. Yet, if there was a LATER flight, I needed to get off the phone
He then said there is a glitch and connected me to his supervisor. Her name was Annette and employee ID# was 73620. She kept me on the phone for a total of 3 hours, 8 minutes, and 12 seconds.
This has to be the most discriminatory company I have ever seen, just because my name is Luis Sanchez and a Latino Man it does not mean that you company can treat Latinos like second class citizens. GoDaddy is charging for services I have not used for many years yet this company has backed Go Daddy since day one, why because I bet you they are a Big Customer for American Express.
GoDaddy is charging for services that have not been used for 4 years and continue to charge me yet American Express lets it happen. The conversations with your company have not only been demeaning, and one sided but for Hispanics we definitely don’t have the same privileges as the rest of your non minority members do and it can be seen by the demeanor and the sarcastic way they speak to you.
This has been my experience and this is the message that I will let everyone know on the different social and regular websites know about American express. YES Membership has its privileges but NOT IF YOUR HISPANIC
First off I'd like to say, "I'm appalled", "Livid", and "Stressed Out", to say the least.
On February 5th, 2018 I went to Walmart to withdrawl cash from an ATM located inside thier store. They don't own the ATM, Cash Depot does. So if you have a problem with this ATM you have to call the toll free number posted on the ATM. I inserted my Bluebird Card into this ATM and requested $260. The machine was processing my transaction and suddenly a message appeared stating there was a "PROCESSING ERROR." The machine display then went back to the original screen that's displayed when you first go to use the ATM. The machine didn't dispense any money, nor did it print a receipt. I was in a hurry and left Walmart. Before I left their parking lot I decided to login to my Bluebird account to make sure the $260 I requested wasn't deducted from my account balance. Well, lo and behold, $262 (this included the $2 ATM fee) was deducted from my account. I went back inside Walmart and asked the Manager to look at the camera's too see if my money was dispensed. It was not. I was instructed to call the toll free number on the ATM and file a dispute. I called Cash Depot (the owner's of the ATM) and explained my situation. The representative I spoke to was able to login to the ATM to see exactly what happened. This representative confirmed what I already knew, that in fact no money was dispensed. She instructed me to file a dispute with my card holder. I called American Express (By Bluebird) and explained my situation. I was told it could take up to 45 days for their company to complete an investigation. Meanwhile I was out of $262.
On February 16th, 2018 (11 days later) I received an email from Bluebird stating they were investigating my dispute and have deposited my $262 back into my account. Okay, I'm happy. Wait a minute. Why did they take $262 back off my card four days later. Excuse me, I have "auto pay" bills coming out of my account. They didn't warn me they were going to do this. I was told I had to file another dispute. So I did. Soon after I was given a $262 credit pending a new investigation. At this point I'm not trusting this company and stop my direct deposit from going into this account. On March 16th, 2018 American Express sent me an email stating they've completed their investigation and the owner's of this ATM confirmed that I received the $260 I requested on February 5th, 2018. I called Cash Depot and asked if they could send me documentation confirming the lie American Expressed claimed. I was immediately emailed a confirmation from Cash Depot stating "NO MONEY WAS DISPENSED" in regards to my disputed transaction.
Why is Cash Depot stating "NO MONEY WAS DISPENSED", which is true, while American Express (Bluebird) is stating that Cash Depot stated, to them, "MONEY WAS DISPENSED."
I have requested American Express send me "PROOF" of their findings on four different occasions. They have failed to produce any documentation proving their claim. On the 14th of April, 2018 American Express permanently suspended my account and will not provide me with any information over the phone as to why.
Bluebird by American Express needs to be investigated. There is serious fraudulent activity going on. When you call American Express they say they can't help you and to call the number on the back of the card. Seriously! I'm reporting this company to the BBB (Better Business Bureau). My account should not be closed after filing a "VALID" dispute.
American Express, leave home without it. They are terrible at handling these situations. Not one person could resolve this issue. Unreal. If they try to send my account to collections and my credit score goes down as a result, I'm filing a lawsuit.
I wish my local news station would look into this company and investigate the fradulent activity going on.
Tems that are lost or stolen that were purchased with the American Express Serve card are supposed to be covered according to the terms of the card. My eye glasses were stolen while I was in New York City at the B&H Electronics store. I filed a claim and provided proof of the purchase several weeks ago and have yet to receive reimbursement. Now here's the thing that's really pissing me off I have notified the Executive offices via dozens of emails and it is obvious that they are not taking this seriously and that they have not intervened on my behalf in this matter in an effort to give me satisfaction. I have sent dozens of emails to the Executive offices and it is apparent they are not taking this matter seriously and have done nothing to resolve this matter.
I worked for these guys here in Naples Florida with hurricane relief efforts. They had a drug addict supervisor who was pocketing all the money and they refused to pay the employees who got ripped off from the drug addict supervisor. If you want to save a hassle, don’t work for these clowns.
Amex travel, Car Rental Reservation [Incident: 180204-000360] I went ahead and booked my needs for my car rental through Capital One Visa. It was very simple and easy. Took less that 4 mins. I want to recap the American Express procedure so I make sure I understand just how dysfunctional you program is. After a 33 min conversation with a supervisor by the name of Shiann, this is what I learned: - I can only make my reservations with Amex travel if I want to use my Amex points. - I need 167 points per dollar for a rental car. - the quotes Amex Travel provide through the Amex Travel Service for a rental car are at least 20% higher than the online quote from the various auto rental agencies. - The reservation (6 months from now) price quoted is not guaranteed and is subject to change at check in. - I must pay for the car rental on my Amex card at the time I check in at the rental agency. - I then submit my bill to Amex Travel to redeem my miles and have the charge on my card reversed. - If however, the car rental costs more than the quote I was given by Amex Travel (6 months earlier) and the price I have to pay is greater than the mileage value which I have in my Amex acct, I will not be able to use any of my miles and subsequently have to pay for the higher priced rental (cash) with my Amex account. -
After all that time, their system was down and (even though she was very nice) we could not complete the transaction. This is the most convoluted, F ***** UP procedure I have ever heard of. I will be closing my Amex account as soon as I figure out how to use your Amex points without having a conniption fit. I will be spreading the word far and wide to all that care about how you treat your valued customers. Stuart On Feb 4, 2018, at 12:17 PM, Amex Travel Service Excellence wrote: Image Response By Email (Shiann) (02/04/2018 12:17 PM) Dear Stuart Dickinson; We are sending this email on behalf of the errors we encountered when trying to book your car rental reservation. We do apologize for the inconvenience this has caused. We also hope that the web site will be back up and running correctly soon. The reservation we were trying to book was through Advantage Rent A Car for a compact car. For a pick up date of September 6, 2018 at 3:00 p.m. HST and a drop off date of September 22, 2018 at 8:00 p.m. HST. We will keep an eye on the website and will be in touch with you within the next few days regarding this matter. If you have any questions or concerns regarding this matter, you can respond to this email or give us a call at 1-800-297-2977. Thank you. Sincerely, Shiann Service Excellence Supervisor American Express Travel Online Question Reference # 180204-000360 Subject: Car Rental Reservation Date Created: 02/04/2018 12:17 PM Date Last Updated: 02/04/2018 12:17 PM [---001:000822:14627---]
I DON'T KNOW IF TO TRUST THESE PEOPLE. I HAVE SEEN MANY REPORTS ONLINE ABOUT THEM. THEY ARE REPORTING MY CREDIT CARD WITH A DIFFERENT UNPAID BALANCE, SO I'M NOT SURE IF THEY ARE LEGIT TO BE ABLE TO MAKE AN AGREEMENT.
My account was permanently suspended when I questioned why one monthly recurring deposit was taken out twice. In the meantime I was locked out of the account, my phone number blocked by customer service and was sent only an email saying to enquire in writing by mail.
Life was good I was training, blogging, and of course always working on ways I can make gym junkies bigger, better and continue to help people all across the globe.
But that all changed when I received a call on January 20th from my merchant processor, “sorry man we can no longer process payments for any of your companies anymore.”
I was placed on something called “MATCH” or “TMF” short for Terminated Merchant File.
I remember kind of chuckling, there’s got to be some mistake. I was familiar with TMF but that was for companies or individuals who had excessive chargebacks, excessive fraud or were involved in money laundering.
Nothing I was even close to being involved in anyway shape or form.
After some serious digging around I had found out a company called American Express had placed me on this list. What in the hell, this further perplexed me.
I was at the time I was an American Express cardholder; I had a good rapport with them, paid my bills on time and enjoyed card benefits.
But why in the hell did American Express place my companies and me on this list?
After pounding the phone lines for literally days…YES, DAYS… I finally got a morsel of information.
Vicky Trutti at (866) 870-5407 stated the reason was for “violation of standards” and the merchant ID # attached to it was 20436739**. She also confirmed there was no financial loss and this merchant account was opened in 2014!
Of course with this small bit information, I dug through my records and found the merchant account they were referring to.
We processed a whopping $4,000 and closed the account. This obviously further confused me considering the actual volume was so low and there were no issues. It was clearly about as low risk as you can get and I requested this merchant account to be shut down over 3 years ago!
Ok, what the HELL is going on I thought…
At this point, I went round and round with American Express with more or less 0 answers while my honorable marketing company and this great fitness blog gym junkies slowly descended into the gutter.
Since I could not charge users and clients for services, I had literally no way of making an income.
To be clear, American Express’s placement of me and my company on this MATCH list eviscerated my ability to accept MasterCards and Visa payments. So by its actions, American Express cut my ability to accept ANY credit card payments.
With irregular cash flow, my business took a nose dive, my ability to make standard payments for everything was reduced and my credit score tanked as a result.
That’s about the time I had enough playing patty cake with the customer service agents over there at American Express and hired my attorney, Eugene Rome at http://romeandassociates.com/. His firm specializes in payment processing so I figured he could connect with American Express, explain the issues and resolve the clear misunderstanding.
We sued.
American Express came around pretty quickly and through its first smiling sleazebag, Tony Diab from the law firm Shook Hardy and Bacon (http://www.shb.com/professionals/d/diab-tony, 949.975.1726) said, hey let’s try and work this out.
American Express takes responsibility for its actions.
What do you guys want?
My attorney explained that we could not figure out why I was placed on MATCH and in response to Tony’s invitation sent out 5 written questions and 4 requests for documents asking American Express to explain why I was placed on MATCH.
We’ll answer your questions, Tony said, and we can then resolve the case.
That turned out to be complete B.S.
They waited 30 days and objected to everything. Tony suddenly disappeared. But, Shook Hardy and Bacon put another lawyer on it – Siena Caruso. (https://www.linkedin.com/in/siena-caruso-0740618b;
(949) 475-1500).
According to Caruso, Tony was taken off the case because he had mishandled our discussions.
Not to worry, she was going to correct things.
Conveniently she did not want to discuss anything by email with my attorney.
She even got a partner from Shook involved, Paul LaScala (http://www.shb.com/professionals/l/la-scala-paul; 949.475.1500).
Paul too refused to put anything in writing but kept repeating the same B.S. mantra – our client wants to work it out.
Next thing we know, Shook Hardy and Bacon are out and American Express’s “A-Team” is in. We hear that Stroock Lavan(http://www.stroock.com/) is representing American Express.
And, guess what – they also want to work it out???
They also are asking the judge for extensions because they claim to need time to understand things from the client and because somehow the hurricane in Florida is preventing its representatives in Arizona from signing and reviewing documents.
Judge gives it to them.
Well, long story short…
Eventually, my attorneys discovery leads to me finding out that someone stole my identity and opened up supplementary cards (http://www.moneycontrol.com/glossary/credit-cards/supplementary-card_15.html) under my name using a fake social security #(YES FAKE). Charged a ton of stuff on them and then charged backed (https://en.wikipedia.org/wiki/Chargeback) the transactions.
Oh but don’t worry about my livelihood or my companies…
American Express could have simply called and asked me to verify if this was indeed me.
But they didn’t….
They would rather proceed with the nuclear approach and destroy the small business owner’s life for absolutely no reason.
Oh but don’t worry they will fix there mistake right?
I mean it’s American Express here, I mean they state on their website awarded for customer service “DEDICATED TO YOU”.
Nope…
American Express’s new ace team of smiling sleazebags Marcos Sasso (http://www.stroock.com/people/MSasso, https://twitter.com/mdsasso21, 310-556-5883) and Erick Kuylman (http://www.stroock.com/people/EKuylman; https://twitter.com/erickkuylman, 310-556-5835) acknowledge that someone other than me added me as a supplemental card holder.
They also said the social security numbers for the account weren’t even right.
So, whoever opened it up didn’t even have my correct information. They had NO EVIDENCE that I was even involved in the suspicious activity.
Even Federico Perez-Irizarry(https://www.linkedin.com/in/federicoperezirizarry/) the American Express Representative there that day confirmed all of this…
But, how about take me off MATCH?
No way!
American Express decided to double down. Drop the lawsuit or we will ask the judge to put the case in arbitration and, even if she says “no” we’ll tie it up in appeals for next two years and crush you into the ground.
But, guess what, there is more, we will also file four separate lawsuits against you just to show you that we mean business.
They did just that…
Different American Express companies filed four lawsuits against me. All to collect some tiny balances I could not pay right away because American Express destroyed my business.
I looked at Kuylman and Sasso’s life on Twitter.
Don’t worry; their lives are just fine.
They are happy as clams, enjoying their lives while grinding mine into the ground because I had the audacity to be the victim of identity theft.
I have had my account for over 3 years with bluebird my direct deposit is set up to this account. I had transactions for 100 dollars each at two different gas stations. I called right away I was reassured not to worry they would take care of it but I had to call back when the transaction had posted. After calling and filing my claim, sending in paper work they requested they deny my claim and say the charges are accurate and also close my account permanently. I call back and file an appeal and I am told they denied my claim once again showing the transactions are accurate. I never lost my card and I was at work when the transactions were made, I offered to send proof but they didn't care. Worst company ever filing any type of complaint possible.
I get call after call, day after day, "Special Offer for American Express cardholders". Press 2 to stop calls, and it stops calls for about 24 hours. Press zero, and I learn that I won a free stay at a great hotel. All I have to do is send them $200 for a deposit. The company's phone number changes hourly, so you can't block it. And half the calls have spoofed the CallerID to show a local number. If you call the local number, you get to talk to a neighbor across town. It is clearly a fraudulent enterprise, very likely associated with American Express.
Turns out, American Express decides all by themselves every 5 years to remove any blocks a customer puts on American Express selling the customer's telephone to any clown with a nickel. My five years was up in July, and the daily calls started up in August. Of course, American Express claims it is merely a coincidence in the timing.
Look closely at the Mickey Mouse verbage on the American Express website, and there's a lot of rabbit holes that appear to preserve American Express rights to sell your private information to third parties.
Sorry, but no other way to say it. While it is somewhat possible that a random dialer found my number coincidentally the same time my prohibition expired, and the third party company coincidentally names American Express as part of their fraud, American Express appears a willing accessory to criminal activity, in my opinion. Avoid using American Express. Without a doubt, their tricky little habit of reinstating their "right" to sell your information every 5 years is enough on it's own ..... don't leave home with it.
American Express Company commits fraud by failing to abide and comply to their terms and conditions that protect against fraud. Recently, I tried to obtain a refund for a deceiving and defective product costing over $500 dollars. After numerous attempts to obtain a full refund from the merchant, I contacted American Express whereby they denied any fraud took place and would not cover such costs. However, whenever a merchant sells a product that is defective, and such merchant fails to provide a refund for such defective product, the failure to provide a refund is in fact fraud. This type of fraud may take several forms.
If the merchant knew, or had reason to know, that the product was defective at the time of sale, then the fraud committed is called intentional, or negligent, misrepresentation. Regardless of the merchant's knowledge, fraud has occurred under these circumstances. The mere fact that the consumer gave his or her credit card information voluntarily does not negate the fraudulent act. However, American Express Company does not take into account the merchant's intent or negligence, but simply limits its guarantee against fraud (a very broad act, with various forms) to credit card theft. American Express Company's failure to protect consumers against fraud in general, as agreed to both expressly and impliedly, and as advertised, makes American Express Company an accomplice of the fraudulent act, and essentially a conspirator. American Express Company becomes the fraudulent perpetuator by failing to take action in light of the fraudulent act already committed.
The money is not at issue for me personally, since it's only about $500 dollars. This is an issue of morality and trust, as it affects consumers' confidence in American Express Company when making any purchase. While consumers are held strictly liable for making on-time monthly payments and paying yearly fees, trusting that American Express Company will have their back when confronted with deceiving merchants that are willing and able to commit fraud, American Express Company simply becomes an aider and abetter of fraudulent merchants in the marketplace. At the end of the day, it is not worth having a membership with American Express because the added benefits are simply not there. American Express Company will put profits over customer satisfaction, preferring to save a couple hundred dollars, rather than stand up against fraudulent merchants and transactions.
It is a shame that American Express Company handles such petty manners in an almost criminal fashion, similar to white collar crime, by helping enrich fraudulent merchants that sell fake or defective products, which only make consumers victims. I hope that American Express 86% negative reviews on Better Business Bureau makes consumers wary and think twice before becoming a member with American Express Company, as they will leave you hopeless and without compensation when faced with fraudulent merchants. It's a sad world out there when the poor or less fortunate are taken advantage by the rich and more fortunate that rule and run our society, a reason why there are more people living in poverty in America than ever before, while the rich are simply getting richer.
Cancelled my accounts with AMEX tonight after not receiving the promotional 60,000 miles from signing up with Delta Gold Skymiles card marketed directly to me. Customer service said they could do nothing to remedy and told me to take it up with Delta. Delta said it was an AMEX issue. I know closing my accounts won't be on AMEX's radar but I refuse to deal with companies out of principle that dupe their customers with false and misleading marketing and don't care to make things right. Very disappointed as I signed up to get the bonus and exclusively used the card to make the spend limit. I could have used another card for rewards and let an honest company make the fees on the transactions. Feel very mislead and upset.
American Express (amex) cardholder since 1999, who is a senior citizen, US Army Veteran (E5), retired law enforcement officer (31 years) and has always been there to help those in need, believing in goodness and trust in all relationships.
In May of this year, 2017, I discovered unauthorized charges on my amex card and immediately notified amex. They stated the charges by McAfee were made over a 4 year period, and that they could not refund them, except for I believe 60 days. I was disappointed, did not approve, but shame on me for not being on top of it, expensive lesson to be learned.
I immediately reviewed the entire amex account and discovered amex was converting my purchase balance to the higher rate cash advance balance. I did not understand how this was being done, so I called amex customer service filing a dispute.
Amex responded by stating I did not understand the credit card agreement, and that I should read it and it explains how this cash advance balance became $18,666. I requested copies of all my statements and amex sent me from 01-2011, stating that no statements before 01-2011 were available. Amex stated my last cash advance transaction was 03-2005.
The statements indicated a cash advance balance on 01-2011 of $6200, I do not remember ever using cash advance, but amex stated I did use in 3-2005. I reviewed the statements for 2011, and found I paid all payments on time and paid the minimum payment plus $1010 over the minimum payment for the year. The cash advance balance on 12-2011 was $6720, increasing $520 for the year without any transactions.
Reviewing my amex card agreement, it states minimum payment is 1% of outstanding balance plus all interest for the billing period. Further there is a disclosure of how long it will take to pay off the balance if there are no new charges printed on each billing cycle statement. So based on this information, I was dumbfounded as to how cash advance was increasing.
On June 8, 2017, I again contacted Amex customer service filing a billing error dispute #2, requesting a reconciliation of my account from 01/2011 to present, as I believed that payments were not being credited properly and according to the card agreement if I paid the minimum payment each month it covered all interest on all balances and over minimum payments were not being credited to the higher rate cash advance balance.
Providing amex with my figures for 2011, the cash advance balance should have been $5190 at end of 2011, and amex was charging me interest on higher rate cash advance for $6720. The cash advance balance should be 0000, and I requested the reconciliation and an explanation of how it was increasing when I made minimum payments plus on time each month.
Amex customer service rep Rosa contacted me via telephone stating that the increase was due to accumulated interest on the cash advance account, I replied that it was my understanding that all interest per billing period was inclusive in the minimum payment for that billing period. I referenced the card agreement on minimum payments.
Rosa stated the cash advance balance increase was due to interest not paid, I objected stating all interest has been paid for every billing period, I have the statements, there is no additional interest that was not paid. She insisted the interest was not paid, but could not tell me what interest was not paid, all statement interest has been paid, call ended.
I then filed a complaint with the Federal Consumer Financial Protection Bureau (CFPB), #170626-2198146, and amex responded with the same explanation, this time J. Pope amex customer service stated in the response that my April 2017 statement had a minimum payment due of $592 and I paid $600, the $8 over the minimum was not enough to cover the $412 interest on the $18666 cash advance balance.
Amex J. Pope response states the $8 over the minimum was not enough to cover the interest, this is in writing. The CFPB accepted amex response and closed my complaint. I contacted CFPB stating I am a victim of a crime, and you closed my complaint based on the Amex response, the response does not comply with their agreement or federal law.
CFPB rep informed me my case was closed, they do not advocate for individuals and I should get an attorney. I attempted to explain my position that amex has been is continuing to violate the law and that I believed the CFPB represented the consumer, amex is billing me for interest I do not owe, they are not deducting over minimum payments and charging me interest on this fraudulently created cash advance balance.
Amex has violated the Credit Card Act of 2009 by increasing my interest rate on 14% purchase balance to the higher 26% cash advance balance with this scheme violating CFR 1026.55.
Amex has violated the Credit Card Act of 2009 by not applying the over the minimum payment amounts to the higher rate balance with this scheme violating CFR 1026.53.
Amex has violated the Credit Card Act of 2009 and the Amex Cardholder agreement by not applying the stated minimum payment agreement to payments to my account: 1% of outstanding balance, plus interest for billing period.
Amex has violated the Credit Card Act of 2009 and other federal and state laws involving theft by deception or scheme to deprive another of their property, increasing the cash advance balance without any consumer transactions and collecting the interest on this high rate balance and not deducting payments as agreed or lawfully, is a crime.
This is very wrong, and I would have never suspected a company like Amex to engage in this type of conduct and when made aware, continue in the illegal conduct. Also very disappointed in CFPB, I believed they would stand up and make things right, isnt that what they do.
Do not know what to do at this point, just want to be heard, will figure things out, good always conquers evil.
I used my card to purchase lunch one day for $5.50. One charge turned into 60 charges so clearly there must have been a glitch in the system with the merchant. I immediately contacted bluebird to file a dispute. They were extremely helpful and assured that I would get credited once the investigation department contacted the merchant. During the investigation period, an additional 100+ of the same charge $5.50 appeared. By this time the first dispute was partially credited but now I'm dealing with even more than the first time around. I called back to inform bluebird that the charges continued even with the investigation being over. So once again, I'm filing another dispute. Days later I received an email stating that I violated by terms in member agreement 22D and that my account was locked/suspended. In addition to that email, I received another notifying me that my dispute was denied. At this point I have no access to my account, I've tried calling and they are telling me that I must submit a letter to pursue the dispute. Any one looking at my account at bluebird would clearly see that the charges are some sort of glitch. I have almost 200 of the same exact charge for $5.50. What's mind blogging is that the customer service representative is saying word for word what I've found online researching. I've never had to fight so hard for my own money. Who knows if I'll ever retrieve the money so I'm praying that the merchant will see what happened and credit me. I looked up violation of member service 22D and had I been aware, I would have never signed up for this card. They can take your money at any point under 22D.
Today bluebird American express. Closed my account someone used my card to buy something from Groupon so I filed a dispute on it two hours later two more charges came thru from. The same place my account was at 0 dollars bluebird authorize the transaction allowed it to come thru then they turned around and closed my account. Went into another account and took my money went to my other card a took my money and applied the pending transaction to me but I never received a dime from the dispute. But why take my money. But they don't pay for overdraft. But they allowed it. So I'm filing a lawsuit for breach of contract and theft by deception also charges will be brought up against the person at bluebird who took my Money
Bluebird is a joint venture between American Express and Walmart. I had almost $400 in fraudulent charges that appeared on my card, which wiped out my disability benefits in a matter of a couple of weeks. Apparently, someone made a duplicate of my card because it was used in a Walmart store as well as some online purchases. When I reported this to American Express, within a few days, they closed my account with no explanation and told me that I could never have another account with them. One of the purchases was Domino's Pizza. How simple would it have been to investigate the pizza delivery or pickup? I thought I would be safe because of the awesome reputation that American Express has always had. I suppose that has gone down the toilet with my money...
In 2014, my mother and I opened an American Express Simply Cash for Business Card for our business. The biggest mistake we made! The card worked well until June of that year, when American Express pulled both our business card and my mother's Costco card, which she had since 2004. They claim we were in breach of contract. We then continued to make our minimum payments until January of 2015, when the minimum payments exceeded over 2,000 per month and we were not able to make these payments.
We then decided to take their offers for a hardship program which required automatic payments, which caused my checking accounts to be overdrawn. We stopped the autopayments because of that. By September of 2015, we received a call from an Ayshia Baig who was a collections mitigation agent working for American Express out of India. They can't even hire Americans! We weren't able to make the payments she was telling us we needed to make. They want to monopolize all our money not thinking we have other obligations. By November 2015, my mother fell down a whole flight of stairs which made it even more difficult to pay the debt down.
By February 2016, Ayshia Baig's supervisor called me on a spoofed phone number. He was a complete a*****e. He was threatening and told us that he "would ruin our financial life." By March 2016, I got a call from Stonegate, a collections agency subsidized by American Express. This b***h would call my phone and my mother's phone every five minutes. I finally told her to stop calling or I will go to the CFPB. I was at a sales appointment in a customer's home when this rude b***h from Stonegate called me, costing me a large sale. That was it! I then filed a complaint to the CFPB against both American Express and Stonegate. The calls stopped.
By April of 2016, American Express then hired American Recovery to call us. They sent us a letter to our PO Box. I then called the CFPB to keep them from calling us and have American Express to cease and decist with the calls and collections agencies.
In August 2016, coming back from physical therapy with my mother, we found a summons in our newspaper box delivered by the LaPorte County Sherriff's Office which stated we are being sued by American Express and they hired Lloyd & McDaniels PLC to represent them. We then retained our attorney, who knows this firm and explained to us that they are difficult to deal with.
As par to our attorney's conversation prior to paying the retainer fee, we understood that my mother's pension was protected under Federal Law and no creditor can touch it. We got a notice from my mother's bank that they will be holding her entire pension.
Cause of problem: American Express has a feature on their online banking site which allows you to check spending availibility. This is a trap. Like any startup, we could use the extra limit. I was hesitant to use this feature, as it allows you to spend over the limit. I called American Express and one of their Bangalor Bobs in India told us we could use this feature and pay the overage off when the billing cycle turns over. Several people from American Express have told me this and I did it in good faith.
American Express is a predatory lender, they use predatory law firms, like Lloyd & McDaniels, PLC to intimidate their victims. My mother is 75 years old and in my view, preying on the elderly is a low thing to do. I want to hear from everyone who has been ripped off by American Express and call for a mass petition to get this dirty company shut down.
So I signed up for a permanent card over two months ago, I live in Anchorage Alaska so I understand that mail may take a little longer but c'mon! I have ordered two replacents so far and cannot get my new card. I can't even do a cash pick up because it keeps giving me a Technical Difficulties error. Its so frustrating. WTF? All in all, unless I can find another bluebird acct member here in Anchorage willing to middleman a transfer, I'm SOL. I'd even offer compensation, I'm that desperate.
On Nov. 18th 2016 I saw some unauthorized purchases on my account, so I immediately contacted Customer Care to report the fraud, they told me to file a report, they asked me a lot of questions I answered all their questions, so I had told that I need to wait 7-10 days and that I will receive an email about my claim, and I waited as soon as I got the email telling me that my disputes was declined I contacted them I asked why, and their answer was that those purchases was authorized.
Therefore the transactions are not elegible for credit to my account ($390.60) they told me that there's nothing they can do and that I'm the one who need to contact all those stores and make the claim with them I called the stores they told me I can't do nothing, that my credit card is the one who has to file a report and take action, I called the police and they told me the same thing that they can file a report, but they can't do nothing else unless I contact my credicard, so now I don't know what else I can do about it.
Someone used my account to purchase a tire that I did not know about it American Express bluebird card keep saying I did I have every proof that I did not purchase anything from unknown merchant.
I had put full trust in AmEx since becoming a customer over 15 years ago. What has happened to this once "customer friendly" organization? In error, Amazon automatically charged my AmEx card for a service unauthorized by me. While they kindly removed the charge by crediting my account and informing AmEx to remove the charge as well, therein began a solid year of constant stupidity and irritation. AmEx had removed both credits applied by Amazon and by AmEx. But explained they were adding back one credit even though I purchased nothing. Each time I contacted them, charges were removed and then the next month a statement with the charges and late fees or interest would appear. I cannot close the account for fear this would be reported to credit agencies as indebtedness. AmEx does not seem to understand basic accounting...Two Credits do not a Debit make! I did not purchase anything to be billed for each month.
I went online to check my account on American Express BlueBird debit card to see what bills had been paid and what needed left to be paid. I found that my account had a charge on it from a company I did not know. So I went online and looked up the company, all they had online was an email address so I wrote them.
I waited a few days and heard nothing back other then they had recieve my email. waited longer and still nothing.
So I called American Express BlueBird card and told the person that I did not know who the company was, they said it would be checked into. A few days later I called again American Express Bluebird, they gave me the phone number for the company. As they said this company had all my information and how did they get it. American Express listed the charge as fraud, locked my account.
I called and talked to the company, I had ordered from them a year earlier under a different comapany name, I understund they had several names under them. The company said they would refund the money in 5 to 10 days.
I called American Express again and the lady said that another card was issued to me and I should get it soon, my account would be unlocked. This was after I told her that I had ordered from another company name but they are one and the same company.
Recieved the new card, tried to activate the card, but it would not the computer connected me to an other rep and he said the company sent the refund they recieved today 9-27-2016 and would send me a check for the $37.00. I asked about the other $41.17 left in the account, he said another check would be sent in 10 days.
I asked about the account and the new card I had recieved in the mail. he said I am sorry but the account can not be unlocked. I said can I get a copy of the bills I paid with this account, he said no. The best thing for me to do is go back to the store and buy another card but I would have to put it in someone elses name and put my name as a second name in order to be able to use Blue Bird again. What does that mean....I have to use someone elses name...thats against the law....Right!
I used the American Express Blue Bird Debit card to pay bills on line
I purchased Hp pavillion computer, I use Amex card because we would benefit with a year free extended warranty under the plan. On 8/8/2016 I file claim to fix my computer claim 10134091 .
Call AMEX 8/9/16 they ask for repair receipt , I faxed repair receipt serial number 2MD3380GHM.
Call AMEX /8/10/16 they ask for documents that telling what wrong with the computer , I explain that HP only provide the repair charge.
-I recontacted 8/12/16 the Customer Care group to express my frustrations with communication process they have set up. I told them i will send the computer to HP to repair and will provide them with the problem.
-I recontacted 9/7/16 the Customer Care group to check on my claim status, after 15 minutes she told me she can not find my claim, put me on hold serval time, finally she come back and told me the repair for the item is not same serial number on the original receipt, I told her I have the letter from HP 10/27/11 that show the item had been replace with another computer that why the serial number identical , she told me to fax in that letter.
- I faxed the letter, call Amex again 9/9/16 to see check if AMEX receive my documents , talk to customer care and she told me yes they received the letter will take 7-14 days to process.
-Got an email from AMEX on 9/10/16 ask me to call them, I call in AMEX they ask me for repair cost that HP had replace the computer on 10/27/11, I told them is no charge because it still under warranty at that time, I ask to talk to the supervise , I explain to the supervisor that the letter from Hp that show serial number EPP_00_LP028AV computer had been replace also there is case number, contact person from HP but he still not willing to paid the claim. They placed a series of roadblocks in the way to complete a claim. This is indeed a ripoff in my view.
I paid 316.94 to fix my computer and after all this AMEX not going to paid my claim, they should tell me that they not going
to paid on 8/12/16 because of the serial number is not the same, and the letter from HP is not except able , if I know then
I will not send the computer to repair instead purchase new computer because the cost for new computer is less then the
repair, the reason I send the computer to repair because AMEX is asking for repair documents.
I been a recent victim of credit card fraud for the following charges on the following dates:
GOLD CARD FRAUD 23005:
APRIL 29TH, 2016: $20,000.00 CASE NUMBER: QA62458
APRIL 24TH, 2016: $5,000.00 CASE NUMBER: QA62458
APRIL 25TH, 2016: $5,000.00 CASE NUMBER: QA62458
MAY 31ST, 2016: $5,000.00 CASE NUMBER: QA62458
PLATINUM CARD FRAUD 23005:
JUNE 15, 2016: $5,000.00 CASE NUMBER: QA62074
JUNE 19, 2016: $5,000.00 CASE NUMBER: QA62074
I discovered this while I was back home in Toronto, Ontario Canada from June 2nd, 2016 until August 2nd, 2016 visiting my mother and Yes,
I Now Have A Valid Police Report (That I Filed When I Got Back To Los Angeles in early August of 2016) to Prove The Identity Theft For The Other Charges, Plus For The Additional $20,000.00 Charge that Square charged for Construction Work of a Second Floor which was NEVER STARTED, NOR COMPLETED, EVER and I have Witnesses To Prove It!
Furthermore, I did report all of this to American Express as a Fraud Claim because that is exactly what it is.
The American Express Fraud Department did Reverse All Of The Charges and Cancel The Credit Cards mentioned above and Issued Me Out Brand New Credit Cards to My Mother's Canadian Address while I was visiting.
Used American Express Credit Card since 2003, exclusively. Charging $20,000 per year. Last month when I attempted to cash in points I was told I only had the card since 2013.
When Bank of America took over around 2011, I am assuming I was issued a new card loosing all those points.
I am thoroughly disgusted with the cavalier conduct exhibited by American Express given their refusal to reallocate my line of credit from my soon-to-be defunct Costco American Express True Rewards card to my Delta Sky Miles American Express card. When applied for years ago, AMEX insisted they split my full credit line between both of my AMEX cards. They told me that if I terminated one card, the credit line would be re-allocatable in full to the remaining card.
I gave American Express fair notice last year and a month ago on the phone, that I wanted the original credit line that I had, which met or exceeded the $30,000.00 level, reallocated to my remaining American Express card after the agreement with Costco had ended. I was told by two, evidently poorly-in-serviced, customer service agents over a 6-month period, that I should have that reallocation done much closer to the Costco-American Express agreement termination date of June 20, 2016. These conversations were recorded by AMEX's phone system and can be accessed if they were not yet deleted.
Because of corporate-level decisions and a failure to propagate the implications of these decisions to your customer service agents, I was negligently misled multiple times. An approximately $17,000.00 line of credit associated with my Costco-American Express will now VANISH on or about June 19th, 2016 because of a failure of AMEX agents to communicate properly the decisions of their company to cardholders in a timely fashion. To make matters worse, any request for “restoration” of my ~$30,000.00 credit line on my remaining Sky Miles card would now involve reapplication and a hard inquiry that I should not have to tolerate.
I spoke with an empathetic supervisor today at AMEX's Fort Lauderdale office who basically said that nothing could be done at this time. She apologized for the prior poor communication and indicated that this has been an ongoing issue with which she has been inundated, with customers other than me.
When American Express insisted years ago that I split my credit line up among my two American Express cards, I should have balked then and canceled one of them. I now realize that one cannot rely upon the words of their customer service agents, as they are likely not provided with more information than AMEX corporate is willing to provide to them. American Express likely conceals information from them that could potentially become disadvantageous to the corporation. What American Express has done here is to disenfranchise its card membership further. I say “further” since over the last few years, I have watched their annual card fees remain high or increase, and the services associated with those cards has decreased substantially across the full spectrum of American Express cards.
I will be deciding within the next few days and weeks whether I wish to continue as a Delta Sky Miles American Express card member. My disappointment with AMEX's conduct in this matter has made such a decision ill-advised at this time. The individual or corporate board that decided to allow the credit lines of so many Costco-American Express True Rewards cardholders to VANISH should be ashamed of themselves. Such action by American Express is reprehensible and should guide any cardholder's decision to remain or not remain a cardholder for the foreseeable future. CAVEAT EMPTOR!
Attention all Merchants who accept American Express Credit card with new chip embeded, if you slide this card and you don't use the chipreader (Cost $200 to $1000 for pos system) the card user can claim fraud and you have very little to no chance of getting your money back, even if they signed and showed ID, perfect storm for allowing people to take your merchandise and leave you with nothing, only way to recover is file police report against card holder, got Burned for $3500. because of this.
Don't you think if you issue someone a card with the new chip, you would enable or remove ability to swipe card to protect merchant, no American Express does not really care about the merchant, This is why I will no longer do business with them.
Also keep in mind that most people don't have the chip and very few Mom and Pop operations have the new chip reader. Am I the only person who sees a problem with this, so if you get an American Express Card from a customer and it has the chip on it, you had better have a chip reader or you can be out alot of money.
Do yourself a favor and DO NOT PURCHASE or use this card. I not only get direct deposit from the state onto this card but load it manually too. I loaded it with $300 on 10/23/15. I had a previous balance. I received an email saying that the deposit was made. 20 Minutes later I get an email saying that the account has been closed due to a violation of Section 22D in the Member Agreement. Basically what that section says is it's in their 'sole discretion' if they want to close the card. The agents told me it's under review and it's illegal for them to hold the funds and I will get an answer and my funds mailed to me by Friday 10/30. After a week of calling them and trying to get an answer, today they tell me that the review has been concluded and unfortunately I won't be getting my $300 back NOR my previous balance!!!! Needless to say after a few choice words and calling them thieves the agent returned and said the 300 is STILL under review and I will get a call from a Supervisor by Monday or Tuesday basically to tell me the same thing. How is this company still in business and WHY would AMEX Bluebird be stationed in Costa Rica!!?? I haven't talked to ONE American over there and their customer service is BEYOND rude. I hope no one else has the chance to deal with this company and I personally think the entire thing should be investigated and boycotted. I'm not the only one this has happened to and they previously had a 'mass closing' of cards without giving the money back. I'm currently going to file a report with FDIC and see where that goes. Currently I'm being ignored and put on hold for 30 minutes before the recording comes on and says "We can't take your call at this time due to high call volumes". Meanwhile, if I call and NOT put my card number in I get an agent right away that either puts me back on hold and hangs up the line or puts me on hold and never coms back resulting in the "We can't take your call at this time" message. These people are CROOKS and not governed by any laws. They are located in Costa Rica and Manilla and the American Express Head Office has no say in the business they conduct. I'm at a lose as what to do now and these people are basically a mafia with the AMEX name branded onto them. I have no idea how the head office in NYC is STILL allowing this company to have a distributership to their services.
I signed up for an AmexBlue Cash card for the sake of gas and food rewards which totaled $104 when I wanted to switch to
the Amex Gold for travel benefits. Amex was happy to do this, but did not inform me that they would not apply the reward amount or send a check considering it a cancelled account and all rewards forfeited. No one else has done this. Get your rewards before switching!
I opened a account with bluebird and have been loading money on it for about 4 months. I paid bills with it and sent money to other card holders. One day out of the blue they send me a email telling me they have closed my account because I violated their user agreement. They refused to tell me what I violated just told me to read the user agreement. I ask them when I would receive the money I had in my account and they told me because I violated the user agreement and they closed my account, I wouldn't be getting my money back. I had $549 in my account. I can understand if for some reason which I still don't know what it was, that they could close my account but can they legally take my money and not give it back. How are these people getting by with stealing people's hard earned money. What can be done about it?
I attempted to add funds to my Blurbird account this weekend. Immediately upon attempting the transaction, it stated that the account I was transferring was not mine and canceled the transaction. The funny thing is that I have owned that account for at least 10 years, and there is no possible way that it is not owned by me. I then received an email that my Bluebird account was closed. The problem is that I not only have funds in the account, I also transferred last week funds from Walmarts Savings catcher program as well.
Right now those funds are being held hostage by American Express since I 'violated' their terms of agreement, at least according to them. I will take legal action against them if the funds are not returned. The amount of the funds is not important to me, but fairness is.
American Express Reviews
American Express is a fraudulent company. They offered a promotion for $120 rebate if I purchased a laptop over $599.00 on the Dell Technology site. I did that in May 2023 and used my AMEX card to pay for it like the terms stated. The only thing I did was to use PayPal to facilitate the sale for security purposes. According to AMEX they will not honor the rebate because of that. What logic does that make? I ordered on Dell and paid the bill to AMEX. What difference does it make if I used PAYPAL? I will no longer use AMEX as my primary card. That is about $15,000 of business they will miss for not honoring a $120 rebate. But I guess I am small potatoes to them. The supervisor Richard was a real indigent jerk also. He could learn some manners.
American Express was trying to help me recover $233 I lost to a hotel because of last minute illness but made me run in circles! I don't know about you, but the price of correct information is priceless. Therefore, I contacted them on numerous occasions only to be ignored. Until this last time when I threated to go nuclear on them. They finally after much waste of my time assigned a case number, GC011HP0B, for which I hold little to no hope they will resolve my crisis. All I want is the equivalent points for $233, but this rich SOB won't do it.
American Express lures people into thinking they cacn get a credit card, then they pull the rug from under you and don't give you the credit card. Amerian Express is an evil compny. Don't associate with thes psychopaths.
I've been doing business with American Express for 35 years and Now I'm thinking about closing all of my accounts, because American Express allowed a computer illiterate person change the online banking system and now it takes you 9 hours to get through all of the system to find out how much you owe and what charges you have made. They had a good thing. But American Express allowed a computer alliterate person ruin their online banking service.
On March 14th, 2020 I made two reservations, one reservation was done with Expedia website; this was for the Bonita beach hotel. I got a print out of the itinerary for the dates of August 27 thru August 29th, 2020. The other reservation done on March 14th, 2020 as well, with Cesar Atlantic City Hotel for about two days earlier, and a print out of the itinerary from August 24th, 2020 thru August 25th, 2020. Both were done with the American Express card. Everything was good until the COVID epidemic changed everything.
On August 4th, 2020, I called Cesar Atlantic City hotel and cancelled my reservation with no problems. This was done weeks before the scheduled date of going there. Like with any hotels, you can cancel up till 24hrs before scheduled date of going there. Now, on August 19th, 2020 I tried to cancel with Expedia and I spoke to them since the reservation was done with them for the Bonita beach hotel. Anyhow, the rep. that I spoke with on August 19th, 2020 said no reservation was done with them. In addition I checked Bonita Beach website, I could cancel without problems. But obviously I was having difficulties over the phone and via website, and didn’t want time to elapse where I could not make any cancellation within an open window of opportunity given, well before the 24hrs window given by any hotel.
Like stated, I did what I could handle the cancellation on my own, and to avoid being charged for service never rendered with Expedia or Bonita Beach, but they were not acknowledging my reservation made from March 14th, 2020 which American Express showed as a charge and I had a itinerary printed out to show as proof. Anyhow, I immediately reached out to my credit card company on August 19th, 2020 and spoke to Andy from business team unit. I made the call at 12:39pm, and with a 37 minutes conversation with the rep. Andy , I explained to the rep about the current problem, and stressed about wanting to avoid further problems in the future with a non complaint company like Expedia.
So Andy also tried to call Expedia while I was waiting on the line, and could not resolve anything with them... Also she never mentioned any problems about not being able to cancel with the Expedia rep. after her phone conversation with them. She was even given instruction by the Expedia rep. to cancel via website under ‘management booking. ’ I tried doing that with the AE rep. on the line. I could not get access to that option on website. So, after exhausting all possibilities, The AE rep. Andy went ahead and gave me a cancellation for that charge of $792.21 from Expedia website for the Bonita Hotel, and dispute # D16666482 to show as proof for the conversation. She stated that AE will contact vendor and resolve issue created on their behalf, and not worry about this any further. In the mail I get the proof of the conversation and amount disputed. I thought everything was taken care of as I have done in the past with other cancellations I have done.
Then on September 9th, 2020, I get another letter stating from American Express with their investigation, to me meaning they made all their inquiries and found out that I am not liable for that charge. They once again credited me on my credit account for that amount of $792.21.
Then on September 26th, 2020, well over a month after whole situation I thought was taken care of. I receive a letter stating I was going too charged for the reservation because they were given a picture statement that there was no refunds, which of course I was never shown this by Expedia, or even Bonita Beach hotel. So, I immediately call American Express again on October 5th, 2020 at 9:29am, and once again explain my problem with rep. Jasmine. I went over the whole discussion I had with other American rep back on August 19. After everything was explained again and cleared, and rep. never mentioned about not being able to cancel and that there was a problem in the future, went again to issue another credit for same amount of $792.21.
So once again, on October 5th, 2020, I get another letter that after their investigation into the problem, American Express found that I was not liable for those charges of $792.21 once again. So, on October 15th, 2020 I receive another letter once again stating I was going to be charged for same amount of $792.21.
So I called American express again on October 26th, 2020 and explained yet again about the same original problem with the AE rep. Anna. Once again there was not mentioned of any problems of cancelling charge and getting a refund back. So, once again I get a third letter on October 26, 2020, stating yet again after their investigation, I was not liable for charges. And on October 28th, 2020, get a fourth letter reaffirming that with their supposedly thorough investigation, I was not liable for the same charge of $792.21
On November 19th, 2020, again I get another letter stating the same thing of being charged for the amount of $792.21. So I called and spoke to AE rep. Diana on November 24th, 2020 and asked to speak to a manger Victoria of why so many times of explaining the same story, I would get letter stating I am not liable, and then letters stating that I am liable for same charges argued about originally back on August 19th, 2020, and she didn’t care about my situation and said I would be liable for the charge.
So, as you can see my whole problem with this dispute of $792.21, I never was made aware about a ‘No refund policy about the Bonita Beach hotel having even made such a crazy stipulation, neither from Expedia or even American Express when I was making the original cancellation, and especially in a crazy time like COVID epidemic. If I was made aware from day one about this claim from Expedia or even American express, I would have concentrated all my attention with either Expedia or even Bonita beach. But instead the AE reps. just tried to sell me on other credit card offers, and wasted all this time sending four letters of ‘Not Being Liable,’ so I could continue using their card services, and making thousands of purchases on a monthly basis. With the pretext that the original problem was taken care of in writing “ based on our investigations, “ which were apparently was baseless information, and just wasted my time to really taking care of this problem expeditiously with the necessary people.
Now after two months wasted in calls and countless letters with American Express, by prolonging a charge that they originally gave me credit on so many different occasions and with the letters indicated this. Now they want me to be held accountable. This was not a lack of effort on my behalf to take of this problem but instead a great incompetence on the behalf of the American Express company to not communicate clearly of a situation presented to them on timely fashion, and just playing with a customer’s state of mind to charge or not charge in order to get my business.
These CROOKS have been hurting people who save money by constantly lowering the interest rate paid, over the last year.
From Jan to Jul 2019 they were paying 2.07831%. They have been dropping it over and over. Most recently in Aug 2020 and now again in Sep 2020. Currently it is a measly, paltry 0.59821%.
I bet the rate they charge to borrow of on their credit cards is still jacked up though.
We put our money with them because they were paying a fairly good rate with no risk of loss of principle. But their practices of constant rate reductions is hurting us. And they are hurting all the people who just want to earn a decent interest rate on money they have which AmEx uses, but doesn't want to pay a fair price for having that capital.
They are thieves and should be treated as such!!!
American Express National Bank American Express Serve has victimized me utilizing my Serve prepaid card after I had my in one tax refunds deposited to my Serve prepaid card has been excessively overcharged behind my back for various transactions and duplicated charges from what the merchants printout summary report shows. There was no third parties involved, no hidden fees or deposit in their transactions because they said were paid direct.
The merchant states all they charged is whats on there summary report American Express Serve online banking transactions shows more charges different from the merchants transactions. Serve has victimized my account they admit they would refund all my money and has not attempt to do so after calling them several times they have caused me emotional stress and depression during COVID 19. The merchant has put in a case for me after I reported it to them
I purchased a laptop from System 76, and charged the purchase on an American Express Credit card. This laptop had a one year warranty, and a no obligation return policy if returned within the first 30 days. The laptop was purchased with the understanding that Debian Linux was supported.
Within the first 30 days, I contacted System 76 to advise them the laptop wasn't usable due to a hypersentive touch pad problem. After installing Debian Linux, the touchpad problem greatly improved, but the keyboard lights wouldn't shut off, and the screen became very dim. At this point System 76 advised they would upload drivers to the Debian repository to fix the problem. A few months later, System 76 uploaded Ubuntu drivers to the Debian repository, and only changed the names of the files to .deb As a result, I was the victim of a fraud.
Six months later System 76 sent correspondence advising they would not be able to support Debian, and had no plans to in the future. Additionally they were not able to fix the hypersensitive touchpad problem. At this point I requested System 76 to exchange the laptop for one that didn't have a Cleavo motherboard, and they refused. However, they did have one, and had announced in earlier months they were going to start making their own motherboards. I asked for a refund, and System 76 indicated I should have returned the laptop within the first 30 days.
A dispute was filed with American express on no less than 4 times, and in each instance American Express closed the dispute within 48 hours citing the laptop should have been returned within the first 30 days. At no time was there any mention of coverage under the one year warranty that came with the System 76 laptop. I then filed a claim with the American Express Extended Warranty program on no less than four occasions, and American Express conveniently said the claim was not received. However, they did admit they had all the documents from the earlier disputes filed with them.
In October 2019, I instructed American Express to close my account and they refused. Additionally I refused to give them any more money, and stopped paying them after October 2019. American Express inflated the charges, failed to honor the dispute under the Consumer Protection Act, and then turned the matter into collection agency called Global Solutions LLC. Subsequent attempts at filing a complaint against them with their regulator the NY Federal Reserve were to no avail, and a guy by the name of Kevin Stiroh refused to respond. His boss John Wiliams, President and CEO also failed to respond.
This is a bad company, and I advise anyone to stay away from them. They sell prestige, but underneath that prestige is nothing -- no service, dishonoring of contracts, no dispute rights. You have no protection at all as a consumer if you charge something on your American Express card, and their are other institutions that can do a better job
On Sunday, 4/7/19, I had a flight from DCA to MEM that was to depart at 2:59pm. I woke to an emergency and called American Express Travel (I have an American Express Platinum Card and book flights EVERY MONTH through their website) and asked if they could put me on a later flight. I knew I would have to pay a change fee and was willing to do so. I told them if there were no options I would take the original flight as I am a physician who works in underserved, rural areas. I was scheduled to be at work 7am on 4/8/19 to take care of patients in a hospital in Mississippi. Many patients are very sick and in the ICU; and I would be the ONLY one in my specialty at the hospital
Otis (I believe this was his name) looked and found 2 options. Either an 8pm flight to MEM (but this would be first class and would cost me ~$1200) or a 730pm flight to Jackson which would cost $453. I agreed and he proceeded to book this ticket.
At 10:35am EST, I received an email from AmEx saying my card was being charged. This indicated to me that the issue was resolved, I was on a later flight, and could go handle my emergency
He then put me on a "2-3 minute" hold. This went on for 30-40 minutes. I began to get anxious because
1) I was unable to deal with the mergence
2) If there was no flight, I had to rush to get the original one. Yet, if there was a LATER flight, I needed to get off the phone
He then said there is a glitch and connected me to his supervisor. Her name was Annette and employee ID# was 73620. She kept me on the phone for a total of 3 hours, 8 minutes, and 12 seconds.
This has to be the most discriminatory company I have ever seen, just because my name is Luis Sanchez and a Latino Man it does not mean that you company can treat Latinos like second class citizens. GoDaddy is charging for services I have not used for many years yet this company has backed Go Daddy since day one, why because I bet you they are a Big Customer for American Express.
GoDaddy is charging for services that have not been used for 4 years and continue to charge me yet American Express lets it happen. The conversations with your company have not only been demeaning, and one sided but for Hispanics we definitely don’t have the same privileges as the rest of your non minority members do and it can be seen by the demeanor and the sarcastic way they speak to you.
This has been my experience and this is the message that I will let everyone know on the different social and regular websites know about American express. YES Membership has its privileges but NOT IF YOUR HISPANIC
First off I'd like to say, "I'm appalled", "Livid", and "Stressed Out", to say the least.
On February 5th, 2018 I went to Walmart to withdrawl cash from an ATM located inside thier store. They don't own the ATM, Cash Depot does. So if you have a problem with this ATM you have to call the toll free number posted on the ATM. I inserted my Bluebird Card into this ATM and requested $260. The machine was processing my transaction and suddenly a message appeared stating there was a "PROCESSING ERROR." The machine display then went back to the original screen that's displayed when you first go to use the ATM. The machine didn't dispense any money, nor did it print a receipt. I was in a hurry and left Walmart. Before I left their parking lot I decided to login to my Bluebird account to make sure the $260 I requested wasn't deducted from my account balance. Well, lo and behold, $262 (this included the $2 ATM fee) was deducted from my account. I went back inside Walmart and asked the Manager to look at the camera's too see if my money was dispensed. It was not. I was instructed to call the toll free number on the ATM and file a dispute. I called Cash Depot (the owner's of the ATM) and explained my situation. The representative I spoke to was able to login to the ATM to see exactly what happened. This representative confirmed what I already knew, that in fact no money was dispensed. She instructed me to file a dispute with my card holder. I called American Express (By Bluebird) and explained my situation. I was told it could take up to 45 days for their company to complete an investigation. Meanwhile I was out of $262.
On February 16th, 2018 (11 days later) I received an email from Bluebird stating they were investigating my dispute and have deposited my $262 back into my account. Okay, I'm happy. Wait a minute. Why did they take $262 back off my card four days later. Excuse me, I have "auto pay" bills coming out of my account. They didn't warn me they were going to do this. I was told I had to file another dispute. So I did. Soon after I was given a $262 credit pending a new investigation. At this point I'm not trusting this company and stop my direct deposit from going into this account. On March 16th, 2018 American Express sent me an email stating they've completed their investigation and the owner's of this ATM confirmed that I received the $260 I requested on February 5th, 2018. I called Cash Depot and asked if they could send me documentation confirming the lie American Expressed claimed. I was immediately emailed a confirmation from Cash Depot stating "NO MONEY WAS DISPENSED" in regards to my disputed transaction.
Why is Cash Depot stating "NO MONEY WAS DISPENSED", which is true, while American Express (Bluebird) is stating that Cash Depot stated, to them, "MONEY WAS DISPENSED."
I have requested American Express send me "PROOF" of their findings on four different occasions. They have failed to produce any documentation proving their claim. On the 14th of April, 2018 American Express permanently suspended my account and will not provide me with any information over the phone as to why.
Bluebird by American Express needs to be investigated. There is serious fraudulent activity going on. When you call American Express they say they can't help you and to call the number on the back of the card. Seriously! I'm reporting this company to the BBB (Better Business Bureau). My account should not be closed after filing a "VALID" dispute.
American Express, leave home without it. They are terrible at handling these situations. Not one person could resolve this issue. Unreal. If they try to send my account to collections and my credit score goes down as a result, I'm filing a lawsuit.
I wish my local news station would look into this company and investigate the fradulent activity going on.
Tems that are lost or stolen that were purchased with the American Express Serve card are supposed to be covered according to the terms of the card. My eye glasses were stolen while I was in New York City at the B&H Electronics store. I filed a claim and provided proof of the purchase several weeks ago and have yet to receive reimbursement. Now here's the thing that's really pissing me off I have notified the Executive offices via dozens of emails and it is obvious that they are not taking this seriously and that they have not intervened on my behalf in this matter in an effort to give me satisfaction. I have sent dozens of emails to the Executive offices and it is apparent they are not taking this matter seriously and have done nothing to resolve this matter.
I worked for these guys here in Naples Florida with hurricane relief efforts. They had a drug addict supervisor who was pocketing all the money and they refused to pay the employees who got ripped off from the drug addict supervisor. If you want to save a hassle, don’t work for these clowns.
Amex travel, Car Rental Reservation [Incident: 180204-000360] I went ahead and booked my needs for my car rental through Capital One Visa. It was very simple and easy. Took less that 4 mins. I want to recap the American Express procedure so I make sure I understand just how dysfunctional you program is. After a 33 min conversation with a supervisor by the name of Shiann, this is what I learned: - I can only make my reservations with Amex travel if I want to use my Amex points. - I need 167 points per dollar for a rental car. - the quotes Amex Travel provide through the Amex Travel Service for a rental car are at least 20% higher than the online quote from the various auto rental agencies. - The reservation (6 months from now) price quoted is not guaranteed and is subject to change at check in. - I must pay for the car rental on my Amex card at the time I check in at the rental agency. - I then submit my bill to Amex Travel to redeem my miles and have the charge on my card reversed. - If however, the car rental costs more than the quote I was given by Amex Travel (6 months earlier) and the price I have to pay is greater than the mileage value which I have in my Amex acct, I will not be able to use any of my miles and subsequently have to pay for the higher priced rental (cash) with my Amex account. -
After all that time, their system was down and (even though she was very nice) we could not complete the transaction. This is the most convoluted, F ***** UP procedure I have ever heard of. I will be closing my Amex account as soon as I figure out how to use your Amex points without having a conniption fit. I will be spreading the word far and wide to all that care about how you treat your valued customers. Stuart On Feb 4, 2018, at 12:17 PM, Amex Travel Service Excellence wrote: Image Response By Email (Shiann) (02/04/2018 12:17 PM) Dear Stuart Dickinson; We are sending this email on behalf of the errors we encountered when trying to book your car rental reservation. We do apologize for the inconvenience this has caused. We also hope that the web site will be back up and running correctly soon. The reservation we were trying to book was through Advantage Rent A Car for a compact car. For a pick up date of September 6, 2018 at 3:00 p.m. HST and a drop off date of September 22, 2018 at 8:00 p.m. HST. We will keep an eye on the website and will be in touch with you within the next few days regarding this matter. If you have any questions or concerns regarding this matter, you can respond to this email or give us a call at 1-800-297-2977. Thank you. Sincerely, Shiann Service Excellence Supervisor American Express Travel Online Question Reference # 180204-000360 Subject: Car Rental Reservation Date Created: 02/04/2018 12:17 PM Date Last Updated: 02/04/2018 12:17 PM [---001:000822:14627---]
I DON'T KNOW IF TO TRUST THESE PEOPLE. I HAVE SEEN MANY REPORTS ONLINE ABOUT THEM. THEY ARE REPORTING MY CREDIT CARD WITH A DIFFERENT UNPAID BALANCE, SO I'M NOT SURE IF THEY ARE LEGIT TO BE ABLE TO MAKE AN AGREEMENT.
Don’t trust them
My account was permanently suspended when I questioned why one monthly recurring deposit was taken out twice. In the meantime I was locked out of the account, my phone number blocked by customer service and was sent only an email saying to enquire in writing by mail.
2017 started out to be a pretty decent year…
Life was good I was training, blogging, and of course always working on ways I can make gym junkies bigger, better and continue to help people all across the globe.
But that all changed when I received a call on January 20th from my merchant processor, “sorry man we can no longer process payments for any of your companies anymore.”
I was placed on something called “MATCH” or “TMF” short for Terminated Merchant File.
https://www.merchantmaverick.com/learning-terminated-merchant-file-tmf-aka-match-list/
I remember kind of chuckling, there’s got to be some mistake. I was familiar with TMF but that was for companies or individuals who had excessive chargebacks, excessive fraud or were involved in money laundering.
Nothing I was even close to being involved in anyway shape or form.
After some serious digging around I had found out a company called American Express had placed me on this list. What in the hell, this further perplexed me.
I was at the time I was an American Express cardholder; I had a good rapport with them, paid my bills on time and enjoyed card benefits.
But why in the hell did American Express place my companies and me on this list?
After pounding the phone lines for literally days…YES, DAYS… I finally got a morsel of information.
Vicky Trutti at (866) 870-5407 stated the reason was for “violation of standards” and the merchant ID # attached to it was 20436739**. She also confirmed there was no financial loss and this merchant account was opened in 2014!
Of course with this small bit information, I dug through my records and found the merchant account they were referring to.
We processed a whopping $4,000 and closed the account. This obviously further confused me considering the actual volume was so low and there were no issues. It was clearly about as low risk as you can get and I requested this merchant account to be shut down over 3 years ago!
Ok, what the HELL is going on I thought…
At this point, I went round and round with American Express with more or less 0 answers while my honorable marketing company and this great fitness blog gym junkies slowly descended into the gutter.
Since I could not charge users and clients for services, I had literally no way of making an income.
To be clear, American Express’s placement of me and my company on this MATCH list eviscerated my ability to accept MasterCards and Visa payments. So by its actions, American Express cut my ability to accept ANY credit card payments.
With irregular cash flow, my business took a nose dive, my ability to make standard payments for everything was reduced and my credit score tanked as a result.
That’s about the time I had enough playing patty cake with the customer service agents over there at American Express and hired my attorney, Eugene Rome at http://romeandassociates.com/. His firm specializes in payment processing so I figured he could connect with American Express, explain the issues and resolve the clear misunderstanding.
We sued.
American Express came around pretty quickly and through its first smiling sleazebag, Tony Diab from the law firm Shook Hardy and Bacon (http://www.shb.com/professionals/d/diab-tony, 949.975.1726) said, hey let’s try and work this out.
American Express takes responsibility for its actions.
What do you guys want?
My attorney explained that we could not figure out why I was placed on MATCH and in response to Tony’s invitation sent out 5 written questions and 4 requests for documents asking American Express to explain why I was placed on MATCH.
We’ll answer your questions, Tony said, and we can then resolve the case.
That turned out to be complete B.S.
They waited 30 days and objected to everything. Tony suddenly disappeared. But, Shook Hardy and Bacon put another lawyer on it – Siena Caruso. (https://www.linkedin.com/in/siena-caruso-0740618b;
(949) 475-1500).
According to Caruso, Tony was taken off the case because he had mishandled our discussions.
Not to worry, she was going to correct things.
Conveniently she did not want to discuss anything by email with my attorney.
She even got a partner from Shook involved, Paul LaScala (http://www.shb.com/professionals/l/la-scala-paul; 949.475.1500).
Paul too refused to put anything in writing but kept repeating the same B.S. mantra – our client wants to work it out.
Next thing we know, Shook Hardy and Bacon are out and American Express’s “A-Team” is in. We hear that Stroock Lavan(http://www.stroock.com/) is representing American Express.
And, guess what – they also want to work it out???
They also are asking the judge for extensions because they claim to need time to understand things from the client and because somehow the hurricane in Florida is preventing its representatives in Arizona from signing and reviewing documents.
Judge gives it to them.
Well, long story short…
Eventually, my attorneys discovery leads to me finding out that someone stole my identity and opened up supplementary cards (http://www.moneycontrol.com/glossary/credit-cards/supplementary-card_15.html) under my name using a fake social security #(YES FAKE). Charged a ton of stuff on them and then charged backed (https://en.wikipedia.org/wiki/Chargeback) the transactions.
Oh but don’t worry about my livelihood or my companies…
American Express could have simply called and asked me to verify if this was indeed me.
But they didn’t….
They would rather proceed with the nuclear approach and destroy the small business owner’s life for absolutely no reason.
Oh but don’t worry they will fix there mistake right?
I mean it’s American Express here, I mean they state on their website awarded for customer service “DEDICATED TO YOU”.
Nope…
American Express’s new ace team of smiling sleazebags Marcos Sasso (http://www.stroock.com/people/MSasso, https://twitter.com/mdsasso21, 310-556-5883) and Erick Kuylman (http://www.stroock.com/people/EKuylman; https://twitter.com/erickkuylman, 310-556-5835) acknowledge that someone other than me added me as a supplemental card holder.
They also said the social security numbers for the account weren’t even right.
So, whoever opened it up didn’t even have my correct information. They had NO EVIDENCE that I was even involved in the suspicious activity.
Even Federico Perez-Irizarry(https://www.linkedin.com/in/federicoperezirizarry/) the American Express Representative there that day confirmed all of this…
But, how about take me off MATCH?
No way!
American Express decided to double down. Drop the lawsuit or we will ask the judge to put the case in arbitration and, even if she says “no” we’ll tie it up in appeals for next two years and crush you into the ground.
But, guess what, there is more, we will also file four separate lawsuits against you just to show you that we mean business.
They did just that…
Different American Express companies filed four lawsuits against me. All to collect some tiny balances I could not pay right away because American Express destroyed my business.
I looked at Kuylman and Sasso’s life on Twitter.
Don’t worry; their lives are just fine.
They are happy as clams, enjoying their lives while grinding mine into the ground because I had the audacity to be the victim of identity theft.
WHAT A STELLAR COMPANY!
I have had my account for over 3 years with bluebird my direct deposit is set up to this account. I had transactions for 100 dollars each at two different gas stations. I called right away I was reassured not to worry they would take care of it but I had to call back when the transaction had posted. After calling and filing my claim, sending in paper work they requested they deny my claim and say the charges are accurate and also close my account permanently. I call back and file an appeal and I am told they denied my claim once again showing the transactions are accurate. I never lost my card and I was at work when the transactions were made, I offered to send proof but they didn't care. Worst company ever filing any type of complaint possible.
I get call after call, day after day, "Special Offer for American Express cardholders". Press 2 to stop calls, and it stops calls for about 24 hours. Press zero, and I learn that I won a free stay at a great hotel. All I have to do is send them $200 for a deposit. The company's phone number changes hourly, so you can't block it. And half the calls have spoofed the CallerID to show a local number. If you call the local number, you get to talk to a neighbor across town. It is clearly a fraudulent enterprise, very likely associated with American Express.
Turns out, American Express decides all by themselves every 5 years to remove any blocks a customer puts on American Express selling the customer's telephone to any clown with a nickel. My five years was up in July, and the daily calls started up in August. Of course, American Express claims it is merely a coincidence in the timing.
Look closely at the Mickey Mouse verbage on the American Express website, and there's a lot of rabbit holes that appear to preserve American Express rights to sell your private information to third parties.
Sorry, but no other way to say it. While it is somewhat possible that a random dialer found my number coincidentally the same time my prohibition expired, and the third party company coincidentally names American Express as part of their fraud, American Express appears a willing accessory to criminal activity, in my opinion. Avoid using American Express. Without a doubt, their tricky little habit of reinstating their "right" to sell your information every 5 years is enough on it's own ..... don't leave home with it.
American Express Company commits fraud by failing to abide and comply to their terms and conditions that protect against fraud. Recently, I tried to obtain a refund for a deceiving and defective product costing over $500 dollars. After numerous attempts to obtain a full refund from the merchant, I contacted American Express whereby they denied any fraud took place and would not cover such costs. However, whenever a merchant sells a product that is defective, and such merchant fails to provide a refund for such defective product, the failure to provide a refund is in fact fraud. This type of fraud may take several forms.
If the merchant knew, or had reason to know, that the product was defective at the time of sale, then the fraud committed is called intentional, or negligent, misrepresentation. Regardless of the merchant's knowledge, fraud has occurred under these circumstances. The mere fact that the consumer gave his or her credit card information voluntarily does not negate the fraudulent act. However, American Express Company does not take into account the merchant's intent or negligence, but simply limits its guarantee against fraud (a very broad act, with various forms) to credit card theft. American Express Company's failure to protect consumers against fraud in general, as agreed to both expressly and impliedly, and as advertised, makes American Express Company an accomplice of the fraudulent act, and essentially a conspirator. American Express Company becomes the fraudulent perpetuator by failing to take action in light of the fraudulent act already committed.
The money is not at issue for me personally, since it's only about $500 dollars. This is an issue of morality and trust, as it affects consumers' confidence in American Express Company when making any purchase. While consumers are held strictly liable for making on-time monthly payments and paying yearly fees, trusting that American Express Company will have their back when confronted with deceiving merchants that are willing and able to commit fraud, American Express Company simply becomes an aider and abetter of fraudulent merchants in the marketplace. At the end of the day, it is not worth having a membership with American Express because the added benefits are simply not there. American Express Company will put profits over customer satisfaction, preferring to save a couple hundred dollars, rather than stand up against fraudulent merchants and transactions.
It is a shame that American Express Company handles such petty manners in an almost criminal fashion, similar to white collar crime, by helping enrich fraudulent merchants that sell fake or defective products, which only make consumers victims. I hope that American Express 86% negative reviews on Better Business Bureau makes consumers wary and think twice before becoming a member with American Express Company, as they will leave you hopeless and without compensation when faced with fraudulent merchants. It's a sad world out there when the poor or less fortunate are taken advantage by the rich and more fortunate that rule and run our society, a reason why there are more people living in poverty in America than ever before, while the rich are simply getting richer.
American Express Company is a scam company.
Cancelled my accounts with AMEX tonight after not receiving the promotional 60,000 miles from signing up with Delta Gold Skymiles card marketed directly to me. Customer service said they could do nothing to remedy and told me to take it up with Delta. Delta said it was an AMEX issue. I know closing my accounts won't be on AMEX's radar but I refuse to deal with companies out of principle that dupe their customers with false and misleading marketing and don't care to make things right. Very disappointed as I signed up to get the bonus and exclusively used the card to make the spend limit. I could have used another card for rewards and let an honest company make the fees on the transactions. Feel very mislead and upset.
American Express (amex) cardholder since 1999, who is a senior citizen, US Army Veteran (E5), retired law enforcement officer (31 years) and has always been there to help those in need, believing in goodness and trust in all relationships.
In May of this year, 2017, I discovered unauthorized charges on my amex card and immediately notified amex. They stated the charges by McAfee were made over a 4 year period, and that they could not refund them, except for I believe 60 days. I was disappointed, did not approve, but shame on me for not being on top of it, expensive lesson to be learned.
I immediately reviewed the entire amex account and discovered amex was converting my purchase balance to the higher rate cash advance balance. I did not understand how this was being done, so I called amex customer service filing a dispute.
Amex responded by stating I did not understand the credit card agreement, and that I should read it and it explains how this cash advance balance became $18,666. I requested copies of all my statements and amex sent me from 01-2011, stating that no statements before 01-2011 were available. Amex stated my last cash advance transaction was 03-2005.
The statements indicated a cash advance balance on 01-2011 of $6200, I do not remember ever using cash advance, but amex stated I did use in 3-2005. I reviewed the statements for 2011, and found I paid all payments on time and paid the minimum payment plus $1010 over the minimum payment for the year. The cash advance balance on 12-2011 was $6720, increasing $520 for the year without any transactions.
Reviewing my amex card agreement, it states minimum payment is 1% of outstanding balance plus all interest for the billing period. Further there is a disclosure of how long it will take to pay off the balance if there are no new charges printed on each billing cycle statement. So based on this information, I was dumbfounded as to how cash advance was increasing.
On June 8, 2017, I again contacted Amex customer service filing a billing error dispute #2, requesting a reconciliation of my account from 01/2011 to present, as I believed that payments were not being credited properly and according to the card agreement if I paid the minimum payment each month it covered all interest on all balances and over minimum payments were not being credited to the higher rate cash advance balance.
Providing amex with my figures for 2011, the cash advance balance should have been $5190 at end of 2011, and amex was charging me interest on higher rate cash advance for $6720. The cash advance balance should be 0000, and I requested the reconciliation and an explanation of how it was increasing when I made minimum payments plus on time each month.
Amex customer service rep Rosa contacted me via telephone stating that the increase was due to accumulated interest on the cash advance account, I replied that it was my understanding that all interest per billing period was inclusive in the minimum payment for that billing period. I referenced the card agreement on minimum payments.
Rosa stated the cash advance balance increase was due to interest not paid, I objected stating all interest has been paid for every billing period, I have the statements, there is no additional interest that was not paid. She insisted the interest was not paid, but could not tell me what interest was not paid, all statement interest has been paid, call ended.
I then filed a complaint with the Federal Consumer Financial Protection Bureau (CFPB), #170626-2198146, and amex responded with the same explanation, this time J. Pope amex customer service stated in the response that my April 2017 statement had a minimum payment due of $592 and I paid $600, the $8 over the minimum was not enough to cover the $412 interest on the $18666 cash advance balance.
Amex J. Pope response states the $8 over the minimum was not enough to cover the interest, this is in writing. The CFPB accepted amex response and closed my complaint. I contacted CFPB stating I am a victim of a crime, and you closed my complaint based on the Amex response, the response does not comply with their agreement or federal law.
CFPB rep informed me my case was closed, they do not advocate for individuals and I should get an attorney. I attempted to explain my position that amex has been is continuing to violate the law and that I believed the CFPB represented the consumer, amex is billing me for interest I do not owe, they are not deducting over minimum payments and charging me interest on this fraudulently created cash advance balance.
Amex has violated the Credit Card Act of 2009 by increasing my interest rate on 14% purchase balance to the higher 26% cash advance balance with this scheme violating CFR 1026.55.
Amex has violated the Credit Card Act of 2009 by not applying the over the minimum payment amounts to the higher rate balance with this scheme violating CFR 1026.53.
Amex has violated the Credit Card Act of 2009 and the Amex Cardholder agreement by not applying the stated minimum payment agreement to payments to my account: 1% of outstanding balance, plus interest for billing period.
Amex has violated the Credit Card Act of 2009 and other federal and state laws involving theft by deception or scheme to deprive another of their property, increasing the cash advance balance without any consumer transactions and collecting the interest on this high rate balance and not deducting payments as agreed or lawfully, is a crime.
This is very wrong, and I would have never suspected a company like Amex to engage in this type of conduct and when made aware, continue in the illegal conduct. Also very disappointed in CFPB, I believed they would stand up and make things right, isnt that what they do.
Do not know what to do at this point, just want to be heard, will figure things out, good always conquers evil.
I used my card to purchase lunch one day for $5.50. One charge turned into 60 charges so clearly there must have been a glitch in the system with the merchant. I immediately contacted bluebird to file a dispute. They were extremely helpful and assured that I would get credited once the investigation department contacted the merchant. During the investigation period, an additional 100+ of the same charge $5.50 appeared. By this time the first dispute was partially credited but now I'm dealing with even more than the first time around. I called back to inform bluebird that the charges continued even with the investigation being over. So once again, I'm filing another dispute. Days later I received an email stating that I violated by terms in member agreement 22D and that my account was locked/suspended. In addition to that email, I received another notifying me that my dispute was denied. At this point I have no access to my account, I've tried calling and they are telling me that I must submit a letter to pursue the dispute. Any one looking at my account at bluebird would clearly see that the charges are some sort of glitch. I have almost 200 of the same exact charge for $5.50. What's mind blogging is that the customer service representative is saying word for word what I've found online researching. I've never had to fight so hard for my own money. Who knows if I'll ever retrieve the money so I'm praying that the merchant will see what happened and credit me. I looked up violation of member service 22D and had I been aware, I would have never signed up for this card. They can take your money at any point under 22D.
Today bluebird American express. Closed my account someone used my card to buy something from Groupon so I filed a dispute on it two hours later two more charges came thru from. The same place my account was at 0 dollars bluebird authorize the transaction allowed it to come thru then they turned around and closed my account. Went into another account and took my money went to my other card a took my money and applied the pending transaction to me but I never received a dime from the dispute. But why take my money. But they don't pay for overdraft. But they allowed it. So I'm filing a lawsuit for breach of contract and theft by deception also charges will be brought up against the person at bluebird who took my Money
Bluebird is a joint venture between American Express and Walmart. I had almost $400 in fraudulent charges that appeared on my card, which wiped out my disability benefits in a matter of a couple of weeks. Apparently, someone made a duplicate of my card because it was used in a Walmart store as well as some online purchases. When I reported this to American Express, within a few days, they closed my account with no explanation and told me that I could never have another account with them. One of the purchases was Domino's Pizza. How simple would it have been to investigate the pizza delivery or pickup? I thought I would be safe because of the awesome reputation that American Express has always had. I suppose that has gone down the toilet with my money...
A company I worked for went under in 2008. I was not an owner or a principal, never signed on a credit card. The owner has since passed away.
American Express has somehow attached my name/SS# and last month put it on my credit report of unpaid debt.
I had a 720 score - now it is trashed.
they are harrassing me / and my wife constantly.
what is my recourse
In 2014, my mother and I opened an American Express Simply Cash for Business Card for our business. The biggest mistake we made! The card worked well until June of that year, when American Express pulled both our business card and my mother's Costco card, which she had since 2004. They claim we were in breach of contract. We then continued to make our minimum payments until January of 2015, when the minimum payments exceeded over 2,000 per month and we were not able to make these payments.
We then decided to take their offers for a hardship program which required automatic payments, which caused my checking accounts to be overdrawn. We stopped the autopayments because of that. By September of 2015, we received a call from an Ayshia Baig who was a collections mitigation agent working for American Express out of India. They can't even hire Americans! We weren't able to make the payments she was telling us we needed to make. They want to monopolize all our money not thinking we have other obligations. By November 2015, my mother fell down a whole flight of stairs which made it even more difficult to pay the debt down.
By February 2016, Ayshia Baig's supervisor called me on a spoofed phone number. He was a complete a*****e. He was threatening and told us that he "would ruin our financial life." By March 2016, I got a call from Stonegate, a collections agency subsidized by American Express. This b***h would call my phone and my mother's phone every five minutes. I finally told her to stop calling or I will go to the CFPB. I was at a sales appointment in a customer's home when this rude b***h from Stonegate called me, costing me a large sale. That was it! I then filed a complaint to the CFPB against both American Express and Stonegate. The calls stopped.
By April of 2016, American Express then hired American Recovery to call us. They sent us a letter to our PO Box. I then called the CFPB to keep them from calling us and have American Express to cease and decist with the calls and collections agencies.
In August 2016, coming back from physical therapy with my mother, we found a summons in our newspaper box delivered by the LaPorte County Sherriff's Office which stated we are being sued by American Express and they hired Lloyd & McDaniels PLC to represent them. We then retained our attorney, who knows this firm and explained to us that they are difficult to deal with.
As par to our attorney's conversation prior to paying the retainer fee, we understood that my mother's pension was protected under Federal Law and no creditor can touch it. We got a notice from my mother's bank that they will be holding her entire pension.
Cause of problem: American Express has a feature on their online banking site which allows you to check spending availibility. This is a trap. Like any startup, we could use the extra limit. I was hesitant to use this feature, as it allows you to spend over the limit. I called American Express and one of their Bangalor Bobs in India told us we could use this feature and pay the overage off when the billing cycle turns over. Several people from American Express have told me this and I did it in good faith.
American Express is a predatory lender, they use predatory law firms, like Lloyd & McDaniels, PLC to intimidate their victims. My mother is 75 years old and in my view, preying on the elderly is a low thing to do. I want to hear from everyone who has been ripped off by American Express and call for a mass petition to get this dirty company shut down.
So I signed up for a permanent card over two months ago, I live in Anchorage Alaska so I understand that mail may take a little longer but c'mon! I have ordered two replacents so far and cannot get my new card. I can't even do a cash pick up because it keeps giving me a Technical Difficulties error. Its so frustrating. WTF? All in all, unless I can find another bluebird acct member here in Anchorage willing to middleman a transfer, I'm SOL. I'd even offer compensation, I'm that desperate.
On Nov. 18th 2016 I saw some unauthorized purchases on my account, so I immediately contacted Customer Care to report the fraud, they told me to file a report, they asked me a lot of questions I answered all their questions, so I had told that I need to wait 7-10 days and that I will receive an email about my claim, and I waited as soon as I got the email telling me that my disputes was declined I contacted them I asked why, and their answer was that those purchases was authorized.
Therefore the transactions are not elegible for credit to my account ($390.60) they told me that there's nothing they can do and that I'm the one who need to contact all those stores and make the claim with them I called the stores they told me I can't do nothing, that my credit card is the one who has to file a report and take action, I called the police and they told me the same thing that they can file a report, but they can't do nothing else unless I contact my credicard, so now I don't know what else I can do about it.
Someone used my account to purchase a tire that I did not know about it American Express bluebird card keep saying I did I have every proof that I did not purchase anything from unknown merchant.
I had put full trust in AmEx since becoming a customer over 15 years ago. What has happened to this once "customer friendly" organization? In error, Amazon automatically charged my AmEx card for a service unauthorized by me. While they kindly removed the charge by crediting my account and informing AmEx to remove the charge as well, therein began a solid year of constant stupidity and irritation. AmEx had removed both credits applied by Amazon and by AmEx. But explained they were adding back one credit even though I purchased nothing. Each time I contacted them, charges were removed and then the next month a statement with the charges and late fees or interest would appear. I cannot close the account for fear this would be reported to credit agencies as indebtedness. AmEx does not seem to understand basic accounting...Two Credits do not a Debit make! I did not purchase anything to be billed for each month.
I went online to check my account on American Express BlueBird debit card to see what bills had been paid and what needed left to be paid. I found that my account had a charge on it from a company I did not know. So I went online and looked up the company, all they had online was an email address so I wrote them.
I waited a few days and heard nothing back other then they had recieve my email. waited longer and still nothing.
So I called American Express BlueBird card and told the person that I did not know who the company was, they said it would be checked into. A few days later I called again American Express Bluebird, they gave me the phone number for the company. As they said this company had all my information and how did they get it. American Express listed the charge as fraud, locked my account.
I called and talked to the company, I had ordered from them a year earlier under a different comapany name, I understund they had several names under them. The company said they would refund the money in 5 to 10 days.
I called American Express again and the lady said that another card was issued to me and I should get it soon, my account would be unlocked. This was after I told her that I had ordered from another company name but they are one and the same company.
Recieved the new card, tried to activate the card, but it would not the computer connected me to an other rep and he said the company sent the refund they recieved today 9-27-2016 and would send me a check for the $37.00. I asked about the other $41.17 left in the account, he said another check would be sent in 10 days.
I asked about the account and the new card I had recieved in the mail. he said I am sorry but the account can not be unlocked. I said can I get a copy of the bills I paid with this account, he said no. The best thing for me to do is go back to the store and buy another card but I would have to put it in someone elses name and put my name as a second name in order to be able to use Blue Bird again. What does that mean....I have to use someone elses name...thats against the law....Right!
I used the American Express Blue Bird Debit card to pay bills on line
I purchased Hp pavillion computer, I use Amex card because we would benefit with a year free extended warranty under the plan. On 8/8/2016 I file claim to fix my computer claim 10134091 .
Call AMEX 8/9/16 they ask for repair receipt , I faxed repair receipt serial number 2MD3380GHM.
Call AMEX /8/10/16 they ask for documents that telling what wrong with the computer , I explain that HP only provide the repair charge.
-I recontacted 8/12/16 the Customer Care group to express my frustrations with communication process they have set up. I told them i will send the computer to HP to repair and will provide them with the problem.
-I recontacted 9/7/16 the Customer Care group to check on my claim status, after 15 minutes she told me she can not find my claim, put me on hold serval time, finally she come back and told me the repair for the item is not same serial number on the original receipt, I told her I have the letter from HP 10/27/11 that show the item had been replace with another computer that why the serial number identical , she told me to fax in that letter.
- I faxed the letter, call Amex again 9/9/16 to see check if AMEX receive my documents , talk to customer care and she told me yes they received the letter will take 7-14 days to process.
-Got an email from AMEX on 9/10/16 ask me to call them, I call in AMEX they ask me for repair cost that HP had replace the computer on 10/27/11, I told them is no charge because it still under warranty at that time, I ask to talk to the supervise , I explain to the supervisor that the letter from Hp that show serial number EPP_00_LP028AV computer had been replace also there is case number, contact person from HP but he still not willing to paid the claim. They placed a series of roadblocks in the way to complete a claim. This is indeed a ripoff in my view.
I paid 316.94 to fix my computer and after all this AMEX not going to paid my claim, they should tell me that they not going
to paid on 8/12/16 because of the serial number is not the same, and the letter from HP is not except able , if I know then
I will not send the computer to repair instead purchase new computer because the cost for new computer is less then the
repair, the reason I send the computer to repair because AMEX is asking for repair documents.
You Can Not Trust American Express Anymore!
I been a recent victim of credit card fraud for the following charges on the following dates:
GOLD CARD FRAUD 23005:
APRIL 29TH, 2016: $20,000.00 CASE NUMBER: QA62458
APRIL 24TH, 2016: $5,000.00 CASE NUMBER: QA62458
APRIL 25TH, 2016: $5,000.00 CASE NUMBER: QA62458
MAY 31ST, 2016: $5,000.00 CASE NUMBER: QA62458
PLATINUM CARD FRAUD 23005:
JUNE 15, 2016: $5,000.00 CASE NUMBER: QA62074
JUNE 19, 2016: $5,000.00 CASE NUMBER: QA62074
I discovered this while I was back home in Toronto, Ontario Canada from June 2nd, 2016 until August 2nd, 2016 visiting my mother and Yes,
I Now Have A Valid Police Report (That I Filed When I Got Back To Los Angeles in early August of 2016) to Prove The Identity Theft For The Other Charges, Plus For The Additional $20,000.00 Charge that Square charged for Construction Work of a Second Floor which was NEVER STARTED, NOR COMPLETED, EVER and I have Witnesses To Prove It!
Furthermore, I did report all of this to American Express as a Fraud Claim because that is exactly what it is.
The American Express Fraud Department did Reverse All Of The Charges and Cancel The Credit Cards mentioned above and Issued Me Out Brand New Credit Cards to My Mother's Canadian Address while I was visiting.
Used American Express Credit Card since 2003, exclusively. Charging $20,000 per year. Last month when I attempted to cash in points I was told I only had the card since 2013.
When Bank of America took over around 2011, I am assuming I was issued a new card loosing all those points.
DO NOT USE AMERICAN EXPRESS CREDIT CARD
I am thoroughly disgusted with the cavalier conduct exhibited by American Express given their refusal to reallocate my line of credit from my soon-to-be defunct Costco American Express True Rewards card to my Delta Sky Miles American Express card. When applied for years ago, AMEX insisted they split my full credit line between both of my AMEX cards. They told me that if I terminated one card, the credit line would be re-allocatable in full to the remaining card.
I gave American Express fair notice last year and a month ago on the phone, that I wanted the original credit line that I had, which met or exceeded the $30,000.00 level, reallocated to my remaining American Express card after the agreement with Costco had ended. I was told by two, evidently poorly-in-serviced, customer service agents over a 6-month period, that I should have that reallocation done much closer to the Costco-American Express agreement termination date of June 20, 2016. These conversations were recorded by AMEX's phone system and can be accessed if they were not yet deleted.
Because of corporate-level decisions and a failure to propagate the implications of these decisions to your customer service agents, I was negligently misled multiple times. An approximately $17,000.00 line of credit associated with my Costco-American Express will now VANISH on or about June 19th, 2016 because of a failure of AMEX agents to communicate properly the decisions of their company to cardholders in a timely fashion. To make matters worse, any request for “restoration” of my ~$30,000.00 credit line on my remaining Sky Miles card would now involve reapplication and a hard inquiry that I should not have to tolerate.
I spoke with an empathetic supervisor today at AMEX's Fort Lauderdale office who basically said that nothing could be done at this time. She apologized for the prior poor communication and indicated that this has been an ongoing issue with which she has been inundated, with customers other than me.
When American Express insisted years ago that I split my credit line up among my two American Express cards, I should have balked then and canceled one of them. I now realize that one cannot rely upon the words of their customer service agents, as they are likely not provided with more information than AMEX corporate is willing to provide to them. American Express likely conceals information from them that could potentially become disadvantageous to the corporation. What American Express has done here is to disenfranchise its card membership further. I say “further” since over the last few years, I have watched their annual card fees remain high or increase, and the services associated with those cards has decreased substantially across the full spectrum of American Express cards.
I will be deciding within the next few days and weeks whether I wish to continue as a Delta Sky Miles American Express card member. My disappointment with AMEX's conduct in this matter has made such a decision ill-advised at this time. The individual or corporate board that decided to allow the credit lines of so many Costco-American Express True Rewards cardholders to VANISH should be ashamed of themselves. Such action by American Express is reprehensible and should guide any cardholder's decision to remain or not remain a cardholder for the foreseeable future. CAVEAT EMPTOR!
I, myself was ripped off of $659.70. Been fighting for it back for a month now.
Attention all Merchants who accept American Express Credit card with new chip embeded, if you slide this card and you don't use the chipreader (Cost $200 to $1000 for pos system) the card user can claim fraud and you have very little to no chance of getting your money back, even if they signed and showed ID, perfect storm for allowing people to take your merchandise and leave you with nothing, only way to recover is file police report against card holder, got Burned for $3500. because of this.
Don't you think if you issue someone a card with the new chip, you would enable or remove ability to swipe card to protect merchant, no American Express does not really care about the merchant, This is why I will no longer do business with them.
Also keep in mind that most people don't have the chip and very few Mom and Pop operations have the new chip reader. Am I the only person who sees a problem with this, so if you get an American Express Card from a customer and it has the chip on it, you had better have a chip reader or you can be out alot of money.
Bob Canoga Park, Ca
Do yourself a favor and DO NOT PURCHASE or use this card. I not only get direct deposit from the state onto this card but load it manually too. I loaded it with $300 on 10/23/15. I had a previous balance. I received an email saying that the deposit was made. 20 Minutes later I get an email saying that the account has been closed due to a violation of Section 22D in the Member Agreement. Basically what that section says is it's in their 'sole discretion' if they want to close the card. The agents told me it's under review and it's illegal for them to hold the funds and I will get an answer and my funds mailed to me by Friday 10/30. After a week of calling them and trying to get an answer, today they tell me that the review has been concluded and unfortunately I won't be getting my $300 back NOR my previous balance!!!! Needless to say after a few choice words and calling them thieves the agent returned and said the 300 is STILL under review and I will get a call from a Supervisor by Monday or Tuesday basically to tell me the same thing. How is this company still in business and WHY would AMEX Bluebird be stationed in Costa Rica!!?? I haven't talked to ONE American over there and their customer service is BEYOND rude. I hope no one else has the chance to deal with this company and I personally think the entire thing should be investigated and boycotted. I'm not the only one this has happened to and they previously had a 'mass closing' of cards without giving the money back. I'm currently going to file a report with FDIC and see where that goes. Currently I'm being ignored and put on hold for 30 minutes before the recording comes on and says "We can't take your call at this time due to high call volumes". Meanwhile, if I call and NOT put my card number in I get an agent right away that either puts me back on hold and hangs up the line or puts me on hold and never coms back resulting in the "We can't take your call at this time" message. These people are CROOKS and not governed by any laws. They are located in Costa Rica and Manilla and the American Express Head Office has no say in the business they conduct. I'm at a lose as what to do now and these people are basically a mafia with the AMEX name branded onto them. I have no idea how the head office in NYC is STILL allowing this company to have a distributership to their services.
I signed up for an AmexBlue Cash card for the sake of gas and food rewards which totaled $104 when I wanted to switch to
the Amex Gold for travel benefits. Amex was happy to do this, but did not inform me that they would not apply the reward amount or send a check considering it a cancelled account and all rewards forfeited. No one else has done this. Get your rewards before switching!
I opened a account with bluebird and have been loading money on it for about 4 months. I paid bills with it and sent money to other card holders. One day out of the blue they send me a email telling me they have closed my account because I violated their user agreement. They refused to tell me what I violated just told me to read the user agreement. I ask them when I would receive the money I had in my account and they told me because I violated the user agreement and they closed my account, I wouldn't be getting my money back. I had $549 in my account. I can understand if for some reason which I still don't know what it was, that they could close my account but can they legally take my money and not give it back. How are these people getting by with stealing people's hard earned money. What can be done about it?
I attempted to add funds to my Blurbird account this weekend. Immediately upon attempting the transaction, it stated that the account I was transferring was not mine and canceled the transaction. The funny thing is that I have owned that account for at least 10 years, and there is no possible way that it is not owned by me. I then received an email that my Bluebird account was closed. The problem is that I not only have funds in the account, I also transferred last week funds from Walmarts Savings catcher program as well.
Right now those funds are being held hostage by American Express since I 'violated' their terms of agreement, at least according to them. I will take legal action against them if the funds are not returned. The amount of the funds is not important to me, but fairness is.