Complain about a product or service

American Express

Platinum Card

M of Leawood, KS February 23, 2009

M of Leawood KS (02/23/09)
Just went on a business trip to las vegas, Paid and extra before i left to my card before to have plenty of credit. While on the trip they lowered my credit to lower than what I paid. causing me to have no credit for hotel,food, but caused me to be overlimit charges. Spent 3 hours on the phone trying to get some help. Single women traveling alone, Had to borrow to get through rest of trip. Will not carry amex on next months trip. Cant get anyone to respond to emails. Same response that others are getting.

Had to rely on someone else to pay for rest of business trip. Embarrassing/screaming and stressed in airport trying to get someone that would listen and not just blame credit report. That by the way hadnt changed since 2 years before they offered me the card. I cannot take any business trips until i get a new card.

Mary of Farmington Hills, MI February 20, 2009

Mary of Farmington Hills MI (02/20/09)
I have had an American Express Platinum credit card since 1997. I have never been late and I have always paid my balance in full. I attempted to use my card today at Costco and the transaction was declined. After contacting American Express, they stated I had an adverse item on my credit report and they immediately cancelled the card. They never contacted me to see if the item on the report was accurate.

I never received a courtesy phone call. Absolutely no communication whatsoever. I have no outstanding debt to any credit card or any other financial institution except for a very small mortgage balance. I have never had an account cancelled by a credit institution. I am apalled to be treated in this manner and I will be contacting my attorney and the Attorney General of my state regarding this matter.

Isaac of Columbia, SC February 18, 2009

Isaac of Columbia SC (02/18/09)
On February 11, 2009, I made hotel reservations at Myrtle Beach, South Carolina, using my Platinum American Express Card. The transaction was approved and confirmed; however, on February 13, when I arrived at the hotel, I was informed that my card had been cancelled. I just knew this was an error since I have an excellent credit record with American Express. I was shocked to discover that it was not an error. The representative said their decision was based upon a debt to income ratio report from Experian.

I am appalled that we have reached a point in America where law abiding citizens are treated like criminals with no apparent recourse. American Express has downgraded from a very reputable company to a low class, second rate shady operation. I'm going to appeal to my Congressman (Majority Whip Jim Clyburn) to not allow any bailout funds to American Express since it seems that's their goal.

Humiliation and embarrassment

John of Mableton, GA February 15, 2009

John of Mableton GA (02/15/09)
On 2/15/2009 I used my AMX card to pay for a round of golf in the amount of 32.00 It was declined we tried it again thought it was a quirk but no indeed it declined again. My wife called amx and they said they cancelled the account because after a credit review with experian they found that I have numerous delinquencies on my report. my wife informed them that we just had our home refinanced in february 2009 and a credit report was run and there were no late payments anywhere on it for the past 10 years so then they said it was because we had high revolving credit balances which is also an untrue we paid off amx in the amount of 20303.00 on 2/4 which was more than what we owed.

So the next conversation we had with them their reason was only that we had high revolving credit balances. so they thought it best to close our account. So my wife told them without a courtesy call or letter stating that our line of credit with them was under review we had to find out by being put in an embarassing position by having a 32.00 charge declined at an establishment we frequent every weekend. My wife also told them that we have had this account since 2005 no late payments only once over limit and paid more than minimum required each month. We could see if they reduced our credit limit for their own safe guard as they said but instead they just closed our account now I am afraid that his will have a negative effect on my credit rating.

Had we known that they were going to do this we would closed the account voluntarily so that it would n't look like we are not credit worthy on our credit report.

Susan of Howell, MI February 4, 2009

Susan of Howell MI (02/04/09)
Card was cancelled for no reason, or notice. My payment has never been late, always paid balance or more than minimum due. Card was cancelled by amex in January - they owed me 194.00 in rewards rebate in February - was told they would not be paid.

loss of credit, adverse affect on my credit score.

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