Complain about a product or service

American Express

Amex Blue

American Express • AmEx Blue • Platinum Card • Centurion Bank • Corporate Card --- • Account reviews • Collection policies • Declined charges • Disputed charges • Fraud • "Free card" offers • Gift cards • Incorrect charges • Merchant complaints • Payment posting • Rewards programs • Theft of identity • Unauthorized charges

Janice of Georgetown, TX, writes:
One year ago, I applied for an American Express Blue card. I listed approximately $8,000.00 in balance transfer requests. Before I had ever received the card, I received notification that balances had been transferred that totaled $2,675.00. Two weeks later, I received the card with a credit limit of $2,000.00. For over a year, I have been charged over-limit fees for having a balance above $2,000.00.

The bank that AMEX deals with approved the balance transfer, not I. I have never even used this card. I have written three letters and received absolutely no response. I have called nearly every month, but am now so frustrated, I don't know what else to do. Once I tried not paying the minimum due and when they called me I tried explaining again. I talked to one supervisor who agreed that the bank had made a mistake and that I needed to go ahead and make the payment then she would back me. Well, that never happened.

When I called back later, to talk to the same person, I was sent to the Canada office who told me they had no say over my account. I finally got someone who said they would ask for a credit extension, but I knew I wouldn't get it. I was never asking for additional credit. I simply want them to admit their error and credit me all of the overlimit credit fees since the card began. This has been a nightmare, so I hope someone can guide me as to what to do. I have copies of all the letters I sent as well as the notification letters of the original transfer balances. My balance that a year ago was $2,675.00 is now 2,813.00 because of overlimit fees and higher interest rates. I am frustrated beyond comprehension.

Holly of Campbell, CA, writes:
In October 1999, I was extended an offer for pre-approved American Express Blue which included option to transfer balances at 9.99% APR finance charge for the life of the balance. Subsequently the finance rate on the balance transfer amount increased from 9.99% to 23.99% due to late receipt of monthly payment. I have called periodically to complain and have sent letters indicating this increase is a direct contradiction of the terms offered as well as being completely outside of the terms set forth in the American Express Cardmember agreement.

I believe this constitutes consumer fraud, bait and switch and general misrepresentation on the part of American Express. My requests for credit to my account and reinstatement of the guaranteed finance rate have been denied and ignored. To date I have been charged over $1300.00 in erroneous finance charges, as well as potentially damaging credit reports resulting from payment issues surrounding the problem.

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.