Sunday, June 20, 2010

I settled with another company for American Express

In April, I entered into a settlement agreement with American Express through the law offices of Mann Bracken LLP. I agreed to a $5,000 payment in April and two more payments of $338.89. I made these payments and the debt was settled. I have a copy of the agreement which states that after those payment, "You will be released from further obligation in this matter." In July I started getting phone calls from AEGIS Recieveables in Irving, Texas (I don't think the calls came from there the callers could barely speak English, sounded Palistian, or something to that effect) I first mailed a copy of this agreement to them and then last week faxed them a copy. They will not stop calling and are rude and tell me they haven't recieved anything. Today they called 7 times in a row and would not stop calling. I was not home and the friend who answered told them so, but they would not stop. I took the last 2 calls when I got home and told them I had filed a complaint with the Federal Trade Commission (I did last night) and that I did not intend to put up with their harrasement. Apparently American Express is trying to collect more, this company got this in July. So I fault them as well. I entered into a legaly binding agreement with them through their lawyers and fulfilled my side of things. They are still trying to get more out of me and will not. I dare them to take me to court!

AMERICAN EXPRESS reduced credit limit with no warning

american express with out notice reduced credit limit never been late 10 years this also affects fico/credit score by showing limit available credit< it is a catch 22 wrongly done,. i understand in this economy a business has to examine and reduce risk but not at the cost of wrecking good customers.congress should act on these actions of the credit card companys.they are reducing credit limits and increasing aprs to variables. fine repayment for good customers thanks alot. folks are having to reevaluate this economy.everyone who reads this should take the time to write the credit card companys personaly lots lots of mail. also write your local congress person lots lots of mail express your feeligs on this matter " this is wrong" it affects peoples lives/credit.if we dont stand for something we fall for anything enough is enough write letters.please write to right wrong

Bibit Internet Payments Unauthorized American Express Charges BUNNICK

Had 2 unauthorized charges from BIBIT on my AMEX.

meetic.com - 59.93
Parship GmbH - 42.90

Both, I guess are dating websites. I contacted AMEX this morning and had them issue me a new card and dispute the charges. The Parship charge appears to be a monthly subscription.

With all the fraud around BIBIT I am surprised that AMEX isnt shutting them down from using their cards.

EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E. According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: “we could not do anything for you” or “you waited too long; it has been more than 60 days”. If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges. Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent! DO NOT TAKE NO FOR AN ANSWER! Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get. And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state. Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth. If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form. CHARGES TO YOUR CREDIT CARD If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here. Remember… Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action. And good luck… Let us know how you do! ED Magedson – Founder RipoffReport.com Author of www.ripoffrevenge.com Rip-off Report PO Box 310, Tempe, Arizona 85280

AMEX should file charges Fradulant charges! redding,

There is evidence that this company BIBIT internet payments is running a scam and fradulantly charging AMEX customers with bogus charges.

Why dosen't AMEX do an investigation and put them out of business?? How many complaints do they have to get? How many customers accounts do they have to cancel?

AMERICAN EXPRESS closes my card the minute I pay it off

I had 2 accounts with American Express-one which I never even activated the card for. The other, I charged a rental car to a year ago in an emergency (that's what I have credit cards for-emergencies), and was expecting a low interest rate, and to pay it off soon. My interest rate went through the roof because my "debt to credit ratio" was too high-I was paying off all my cards, including Am. Ex. I was not in default for any of them. They were just too close to their limits.

Over the past year, I have paid 5000 dollars for a 1500 dollar charge to American Express. I have been trying to get my credit in shape, and the NUMBER ONE thing that I needed to do was pay off debts so that my credit/debt ratio would be wider.

I paid off American Express in Aug 2009; In September they contacted me by mail to let me know that BOTH of my accounts were closed. Their reasons were-debt/credit ratio, and delinquencies on other cards. I am not delinquent on ANY debt! I contacted the credit bureau, disputed items, and they were removed. I then contacted American Express, who explained to me that, although I had no delinquencies, my...again...debt to credit ratio was too high.

WELL OF COURSE IT IS IF EVERY TIME I PAY SOMETHING OFF THE ACCOUNT IS CANCELED.

I truly believe that they left the account open only because I was making large payments on it, and they new that if they closed it before it was paid off I'd pay minimums and no more-in fact, at this point, I might as well have gone into default for all the good paying it off did me. What else explains the timing of their closing the account? According to all three credit bureaus, they have checked my score and report bi-monthly as long as I have had the card. Why did they suddenly decide that what they saw was unacceptable-in a month during which my score had jumped nearly 100 points?

The only explanation is that, in an economy where many people are defaulting on debt, they kept it open as a "dangling carrot" to get me to pay it off, and then closed it as soon as they had their money. My credit report shows that it was closed at their request, and the jump that happened in my score before has been lost and then some.

My credit score is meant to reflect how likely I am to pay off debts-but it would be better if I hadn't paid it off! I understand that credit is abusiness, not a public service-but it my tax money is going to "bail out" these jokers, then there should at least be some oversight into how badly they are allowed to screw me.

I paid off two other cards, and the same thing happened. I paid a third one down, and they lowered my limit to just above what I paid down to. Watch out-they're worse than ever.

AMERICAN EXPRESS AMEX AMEX-LONGTIME CLIENT, GOOD SPENDER PAYER CARD HOLDER NO MORE!!

We all going thru difficult times. Even the financial institutions who asked our tax money to survive. I have been AMEX client for over 15 years. Had corporate cards, personal cards, at one point spent almost 10k in one month and paid it. I paid almost 7K to settle some of my balances. left two out because of financial difficutlies. I had to go thru a Debt Management program (note: not same as debt consolidation) where i will pay my small 4k balance BUT at a reduced interest rate instead of the 25% they required. I had asked if they would renegotiate/lower the interest but cold shoulder so i had no alternative but to work with DM Program and voala! they got me a reduced rate! now, all other cards I had with zero balance, they cancelled them, becuase according to them 'i indicated i am unable to pay'. I sent them a letter asking to review my records, i have reduced my overall debt by almost 50% in last two months (almost 40k) and still got penalized for asking help to a non-profit organization to help me get out of debt faster. Too bad, I encourage all similar to my situation to seek debt management program (non profit BBB certified) so you can get rid of this 'extorsion'. I'm sick and tired of seeing big banks asking for OUR money and we still getting screwed by the system becuase they are allowed and they can!

American Express AMEX Chris Bown AWSM Technology Owner Now Working for American Express, BEWARE!

I was looking on the Internet recently searching: “AWSM Technology” and I found Christopher Bown’s resume. I am a victim of AWSM Technology who was taken for thousands of dollars. Christopher Bown was one of the partners of AWSM Technology. I see now that he’s working for American Express. I wonder if AMEX knows that they have a criminal working for them?

AWSM Technology took millions of dollars from their victims between 2005 – 2007. Christopher Bown was the Chief Technology Officer and Partner in this venture. AWSM took me for almost ten thousand dollars by promising first page ranking on the search engines with their “AWSM technology”. This “technology” was nothing but a simple website.

The scam was they the victims were sold a site for a few hundred dollars. They were then assigned to an Ad Director who was little more than an out of work car salesman. The Ad Director’s job was to obtain more money from the mark by any means necessary. This included lying about the service, browbeating and other forms of abuse.

Not only did the sites never actually work right but they were poorly made too. I waited almost five months for all of my sites to be completed. During that whole time I received countless calls from my Ad Director demanding more money. I spent almost $10,000.00 on two, poorly built, sites that have never made me a dime.

Mr. Bown has obviously seen how his name comes up on the Internet in association with AWSM Technology. Recently, he has taken measures to disassociate himself from that name. He has removed it from his resume.

This is what Bown did, AWSM Technology used to be named Ad Foresight. He has removed the AWSM name from his resume and now refers to that experience as being from AD Foresight; AWSM’s old name.

AWSM then changed their name again to SearchMarketing. As you can see, Bown has that down as an experience on his resume. AD Foresight/AWSM Technology/SearchMarketing are the SAME company under three different names!

Right now, AWSM Technology is part of a Class Action Lawsuit. Here are some details about that which are public record:

Filed with American Arbitration Association (“AAA”) on behalf of Frank Stokes, but submitted as a potential “class arbitration” (i.e., class action).

• AAA Case No.: 11-147-002374-06

• Styled as: Stokes v. AWSM Technology, LLC

Arbitrator: Brendan N. Hare

Details:

**In an Order dated June 22, 2007, the Arbitrator ruled in favor of Frank Stokes on Clause Construction issue. Specifically, the Arbitrator found that “the arbitration clause in question permits the arbitration to proceed on behalf of a class.” A copy of the Order (called a “Clause Construction Award”) can be downloaded by clicking here.**

**Pursuant to AAA rules, the case will now be stayed for 30 days (until July 23, 2007) to allow for any appeal of the Arbitrator’s decision. After that, the case will proceed to the Class Determination Phase.**

Back to my experience with AWSM, in 2007 I was contacted about a seminar at AWSM’s Headquarters in Phoenix, Arizona to teach me to run my sites. I attended this seminar and met Mr. Bown who was introduced to me as one of the owners. This seminar was little more then a clever sales pitch designed to get us all in a room so their Ad Directors could work on us to buy even more worthless services.

Shortly after this, AWSM Technology went out of business; they closed their doors. Soon after, I began getting calls from Searchmarketing saying that they had taken over the AWSM Accounts and would now *finally* show me how to make money with these sites. Of course it cost even more money to get started.

Disgusted, I finally quit AWSM and joined the Class Action Lawsuit. I am wondering if Chris Bown was truthful with American Express when he interviewed with them? Did he tell them that he was on the run from a company that scammed millions out of people? Does American Express know Mr. Bown’s history?

I am posting Bown’s resume below this and below that I am posting some things that other people have written about AWSM Technology. Look at Bown’s resume and see how the words “AWSM Technology” have been removed from it.

Christopher Bown 3117 West Saint Kateri Drive, Phoenix, AZ 85041

Phone: 602-738-7547 Email: cbown75@gmail.com

AMERICAN EXPRESS Accepted Fake Paperwork and Claims from "Merchant" I had no dealings with Internet

American Express accepted fake paperwork and false statements from a merchant I have never done business with and stuck me with $20,000 in charges. Unbelievable. The "merchant" told American Express they'd give me a "credit!" Unbelievable. Why would I want a fake "credit" with a "merchant" who I have never done business with and a dishonest one at that? Not even in or near my city, by the way. Again, unbelievable. I can't believe people can get away with stuff like this. Oh, and AmEx sued me for it, even after my attorney requested "time." Thank you American Express.

American Express - Travellers Cheques Useless in Europe New York, New York

I settled a B&B bill in Belgium this summer with American Express Travellers Cheques in Euros. The wife of the owner didn't know what her husband (a bank office in Belgium) told me later, by e-mail. No bank in Belgium will redeem these cheques. Another of my "victims" found out for me that Travelex would cash them, so off I went to the nearest city with a Travelex outlet. They wanted 7% commission! I was subsequently able to do a bank transfer to my victims who returned the cheques to me. All this involved considerable time taken from my vacation.

I understand that similar conditions exist throughout the European Community. While the American Express website states that a commission may apply when redeeming their cheques, for some strange reason they don't tell you just how high the rate may be at exchangers they list on their web site.

American Express refused to refund my full costs. To the credit of the vendor of my bank, the local branch of TD Canada Trust, I received a full refund.

American Express raised intrest rates without informing me and with no reason

American Express raised my rate from 10.25% to 17.25% with out an opt out option or with no notice. I have good credit, have never paid them or any of my other cards late and I have good credit!!! They raised it for NO REASON and didn't give me an out!!! This should be illegal now not in a few weeks or months!!!

American Express AMX Rep admitted profiling for intrest and fee rates Los Angeles, California

I just got off the phone with a "supervisor" from AMX. I was told that customers were profiled for the rates they where being charged. This person refued to give their name, but apperantly screwed up, giving me this information. I was being recorded by them, I was told this when I asked them. When I told them I was recording them they ask me to stop and would no longer answer my questions or give me their name. I asked if profile was done by race, finical ability and residence location. They would not answer directly, but indicated this may be the case. They have alot to hide.

American Express Didn't honor deal - cut onboard credit Lake Mary,

Cruises-N-More did not honor their deal, cutting the onboard credit (OBC) from $205 to $138. I gave them multiple opportunities to make good on the $67 both before and after the cruise but they refused.

I requested a quote for a cruise using the CruiseCompete website. In my request for quotes, I specified the coupons and discounts I intended to use. Here is what I wrote in my request:

PLEASE NOTE - intend to use 50,000 RCCL Visa points ($500 off cruise), have a NextCruise already booked with $200 down (and possibly $100 OBC), eligible for Diamond balcony discount of $200. Wish to use best combination of discounts to secure lowest final price.

Here is what Cruises-N-More wrote in their offer:

BIG BONUS: Every booking comes with a $205 and $205 OBC for Balcony and D2 port rear cabins respectively. Which can be used for drinks, tips, shore excursions and more. Also pay a 50% Reduced Deposit. We are the only Cruise Compete Agency that has the BEST PRICE PROMISE. Call for details!

Ultimately, I used the 50,000 RCCL Visa points and the $200 Diamond balcony discount. Once I used the discounts, Cruises-N-More informed me that they would only give me a $138 OBC due to the reduction in cruise fare because I used the discounts - the very discounts I specified in my request for quote.

Multiple calls, and talks with a supervisor only got me a few coupons, worth maybe $5 - not nearly the $67 they took from me. I gave them multiple opportunities to fix this but they refused. They did not even respond to my last request.

Be warned!!! Cruises-N-More will not honor their offers and will offer little or no resolution. I highly recommend using a different travel agency. I have used others in the past and have never been cheated like this. Stay away from Cruises-N-More!

American Express AMEX Amex Outrageous, Customer Ripoff, Loan Sharks Toledo, Ohio

I am an elderly female and have been an American Express card holder (blue and green cards) for more than 25 years. On the green card, without my knowledge, American Express started moving any amount charged over $200 to Sign and Travel which quickly increased my monthly balance. On the blue card, they recently sent me a letter telling me that my interest rate would increase substantially beginning in January. I attempted to call American Express Corporate Office only to be told that they would be increasing all customer interest rates and it was absolutely nothing that I could do. I cancelled my American Express cards, will make monthly payments to the best of my ability since I am now on fixed income. This is very unfortunate and I am posting this so that others can avoid the American Express trap as it will ruin your credit. I have had excellent credit until now. Cancel your American Express Cards immediately to save your credit.

I thought I would have to lose my Membership Reward points but my daughter helped me figure out a way to get a few items because the books they send to me (Membership Reward Express 2009 Guide) require a lot of points to get an item (except gift cards). She obviously receives a different book. Get out while you can, American Express is going to ruin my credit.

AMERICAN EXPRESS "Committed to their relationship with me"

American Express first raised my interest rate to 27% so I paid the balance of $12,000. off. Now after charging $300.00 they lowered my credit limit from $12,000. to $1,000. This is my business card! I won't use them again. It's a good thing they are so "committed to our relationship".

American Express Ruined my credit score Ft. Lauderdale , Florida

I ran into a cash flow problem last february. ..So I called American Express to see what my options were. They set me up on their care program for 12 months. the only payment I missed was the one they were going to take out online for but never did. On the noticed they sent me it said to ignore the regular billing invoice. I called them when I saw on my statement my bill was over due. The person I talked to said again to ignore the bill. Recently I went to apply for a mortgage on a house I was thinking of purchasing. The bank said I was declined because of my credit report. American Express made the report that I was shutoff and paid zero money back. It put me below the 620 score I needed to get the mortgage. I was planing to pay them off with this refinance. They screwed my and them with this credit report. I called them about it and after 3hrs of being sent from one department to another I gave up. One department does not talk to the other. They are one big out of controll credit card company. What pisses me off the most is my tax dollars bailed them out....And they were suppose to help the consumers with this money. YEAH RIGHT!!!! I would have been better off filling bankrupcy or go to a Consumer Credit Settlement and giving them pennies on the dollar. My Advice to any one out there is DO NOT GO ON THE AMERICAN EXPRESS CARE PROGRAM!!!!!

American Express Left us stranded in Puerto Vallarta, Mexico, Internet

On a recent trip to Puerto Vallarta we had arrangements through our travel service for American Express to provide transfers to and form the airport and hotel. They were not at the airport. after much searching, with young kids in tow, we found the sign that the person should have been holding. I later contacted our travel agent who in turn contacted them and they said they had been trying to get hold of us. Not! On the way back, they showed up late which might have been okay except I was nervous after my earlier experience. Even though they knew there were 5 of us with luggage they told us we need to take 2 different taxis. I got in one with my son who began crying because we were splitting up. As we were pulling out 2 minivan taxis pulled up. My wife and 2 other children pulled up at the airport after us in a minivan which would have held us all! My recommendation, do not use American Express for travel.

American Express Purchase Protection Plan is a scam Golden, Colorado

You might have seen the television commercials that American Express has been playing lately stating that if your recent purchases are lost or stolen they will reimburse you the amount you payed for the items, trust me, it really is to good to be true.

When my house was burglarized last month we were lucky enough not to get hurt and didn't have anything too major stolen, just some electronics that were worth about $500. The burglar(s) entered my home after I let the dog out, and in the ten minutes the dog was outside the door was unlocked.

The next day a police report was filed and I now have a security system installed in my home. Some of the items that were stolen I purchased with my American Express card. I went online, read about this Purchase Protection Plan, and called them up to file a claim. The nice woman on the phone sent me all the paperwork, told me I needed to send a copy of this and that (37 pages later) and after 14 days I would be refunded the money.

I was ecstatic about being reimbursed and told almost everyone I knew about this program and how great American Express is to their customers. After all I have had this card since I turned 18 and have never missed or been late on a payment in all that time. A few days later, I got a letter in the mail saying my claim was declined because the police report did not show signs of "forced entry". After, I read through the entire Purchase Protect Plan discloser and the only thing it says in it about items that were stolen is, "a police report must be filed with your local police agency". It says nothing about signs of forced entry.

Now I understand people in this world probably do fill out false claims in order to make a few dollars, but this was a legitimate claim. The letter makes it sound like they think I made the whole thing up, using the phrase, the items "mysteriously disappeared". There was nothing mysterious about it, it was there when I went to bed, someone came in, stole it, and it wasn't there when I woke up.

I was a bit angry about the letter so I sent one of my own, and I also sent a copy of my newly installed security system agreement. I asked that my claim be given a second look because the reason it was decline was not supported in their Purchase Protection Plan disclosers.

I got a response letter back yesterday, they did give my claim a second look but declined it once again and said basically the same thing but this time added, "the items are not covered because when the items were stolen they were left unlocked and in public site". Can someone explain to me how something hooked up inside my house is in public site? And the items were not unlocked, my house was.

I can see that I am getting no where with this company, and they are choosing to deny my claim just because they can, they can't seem to give my a legitimate reason why, or show me where in their disclosers it states these things. I guess they think that the only way people get robbed it's by someone breaking a window or kicking down a door.

I guess they would have preferred someone came in with a gun and shot me in the face or stabbed me in the arm. But then they probably would have required me to send a picture of the stab wound, then they would deny the claim anyway because the cut wasn't big enough or they would have had to hit an artery or something crazy like that.

Well, rest assured American Express, as soon as my tax refund comes in, you will be paid off and I will be breaking up with you, no more love notes, no more phone calls. You charged me too much interest anyway

American Express Removed funds from my account and can not account for it. New York, New York

As a matter of corporate policy applied to all customers, American Express claims they are required to remove from customer accounts any funds that have remained in the account for more than six months. They move the customer's funds to an American Express corporate account and mail the customer a check via the postal service. The check is valid for 120 days. If the check expires un-cashed, Amex does not (or in my case, did not) put the funds back into the customer's account, even when the customer requests.

American Express will notify the customer about this expired credit refund check by sending a letter via the postal service and calling the customers telephone number.

Apparently, American Express will not (or in my case, did not) voluntarily disclose the existence of these un-cashed checks when the customer contacts customer service by telephone to discuss account status. Also, American Express will not (or in my case, did not) notify the customer of these checks through the web based message service available when the customer logs into their account online via the internet.

After five years American Express claims they are obligated to turn over these funds to the state. The state (New York State Comptrollers Office of Unclaimed Funds, in this case) claims they have no record of these funds.

Since American Express has millions of customers and applies these policies to all accounts, I may not be the only victim of these policies. Ask the NYSOUF how much money Amex claims their customers abandon each year. Add in the other 49 states and multiply times the number of years Amex has been doing this. My guess: $5 billion.

For my account: Estimate $70,000.00 over 28 years. I lived in locations where mail service was not reliable, so I often did not get statements or refund checks. I did manage to recover $12,000, and identify another $10,000 before they closed and deleted my account records.

In my opinion, Amex could have and should have returned the funds to my account.
Since the NYSOUF claims they did not get the funds, Amex is liable for either failing to meet the reporting requirements, or failing to turn over the funds.

I / we need help with this.

American Express Amex Lowered my Credit Limit, Negative Impact on my Credit Score El Paso Texas

After being a "member" for over 4 years with NO late payments to American Express or any of my other creditors I suddenly receive a notice from them that they are lowering my credit limit from $7500 to $4700. This was right above my $4500 balance. I called and was given crap about the ratio of my payments to balance was to low. I complained that my payments were in excess of the "minimum" payment due and that I was not late with them or any other creditor so this wa unfair. If the wanted me to pay more, why not make the minimum payment more? No answer. Sorry m'am. Then 3 months later they lower it AGAIN to $4300. WHAT????? I didn't pay enough in 3 months. Then go figure, I up my payments to almost 4 x's the minimum, but STILL that is not enough because 6 months later, they lower my limit again. They say that I'm not paying enough to them, and now, not enough to my other creditors!. They say my balance to credit limit ratio is too high. Well I guess so if you keep lowering my limit to bring it within a couple of hundred dollars if my limit. If I wanted a CHARGE card (the regular AMEX that you pay in full at the end of each cycle) I would have one. In fact I did have the gold card, I closed that account because of this nonsense. This is a credit card (Amex Blue), in which you are allowed to carry a balance. All of this is a game, and I'm through with them. I am going to move the balance and keep the account open so that I have 100% of my limit available. I also filed a complaint with the BBB about this fradulent practice and if this has happened to you, you should too!

Marie H
Hyattsville, Maryland
U.S.A.

AMEXVIP SUBSCRIPTIONS American Express charges me for magazine I never ordered. STAMFORD, Connecticut

A $26.50 charge showed up on my American Express card from AMEXVIP subscriptions. For Muscle and Fitness magazine. Never ordered it. Called 800 # to cancel. Tricky phone maze they put you through almost impossible to cancel - finally I get through the tricks and they say they are giving me an 8 dollar and change refund! So I file a dispute via the regular Amex 800 #. One hour invested. We'll see if the charge is removed.

Amex card will be cancelled. Another great reason to pay with good old cash - these credit card companies are corrupt - - you probably can't hear the tricky immoral phone maze they put you through unless you are cancelling but for the record the number is 800 774 7746. All automated.

American Express. Shame on you.

American Express And Delta Sky Miles Delta Skymiles American Express Ripping Off Consumers Internet

My husband and I had a Line-of-Credit with American Express Delta Sky Miles. Due tot he econonly, we ran up a large balance. Last year AMEX raised our interest rate from 9% to 30% (we never even made a late payment). We decided to pay it off and closed the account so we could not use it. I called the company and asked for a break in the interest and/or payments in an effort get it paid off, only to be told "no". Last month we finally made what we thought we be out last payment (a very large payment too and two weeks before the due date) only to receive a statement this month stating that we still owed $95 in accrued interest! I called AMEX and asked for them to write-off the interest since we had been so good about paying on the account and was told "no" that we owed it. I wonder how we will ever get this account paid off since interest accrues daily? What a rip-off they are doing to the consumers! Do use American Express ever - they do not care about the consumer!

J.L.E. Enterprises, Inc, Chuck Rockford, American Express Crooks from the word go

Crooks from the word go !!!

JLE-Enterprises.com purchased a full truck load (792 cases) of merchandise from me on June 1st and after selling it off the filed for a full refund from American express on December 20th. they first claimed 20 cases were missing, so I refunded them the cost of the 20 cases. Now they want it all back, claiming that the merchandise was not as described. Now American express has taken the money back without even asking my side of the deal.

BEWARE OF THESE CROOKS !!! YOU HAVE BEEN WARNED.

Terry
Chandler, Arizona
U.S.A.

AMEX RIPS OFF SENIOR CITIZENS by TELEMARKETING THOSE who cant HEAR New York, New York

Elderly People need to be "on guard" from calls from American Express. THey had been contacting my 85 year old father who is hard of hearing and soliciting him by telephone to buy Leisure Books, Travel Books Airbill books at OUTRAGEOUS prices and my father did not know he was ordering anything.

These telemarketers are trained to talk to elderly people and even when people respond they cannot hear them if the elderly person even utters the word uh huh that is considered as a "yes" to charge the people.

All these charges from AE T& L started appearing on my fathers bill & he didn't know what they were for . AMEX was charging him a 55.00 yearly subscription to a travel & Liesure club. Plus they tried to charge Books for an AIRBILL subscription for flights to the west Coast? Huh? My Dad hasn't been on a plane since 9-11 occurred. What does he need that for?

The telemarketing didn't stop until I became the contact person on the account & I informed them that I was a Federal Investigator for the Government. Then all of a sudden the craziness on his account STOPPED.

If this is how they treat the elderly cardmembers then my father doesn't need to have a Credit Card company that is constantly berating him with offers and then put things on bills & the CSR who answer the phones act like they don't know who is charging these amounts. It is AMEX on in house subscriber services department !!!
This is insanity... is this why we bailed out the banks? American Express is one of those corporations we bailed out too. I want to inform Sen Schumer in NY that we need some Financial Reforms on these Bankers and Credit card companies
.

RIP OFF BY PARTNERS OF AMERICAN EXPRESS AND DELTA AIRLINES MILAGE PROGRAM Richland, Michigan

I just booked (as we have used our Award points for years for Air travel) a flight from Grand Rapids, Michigan to Los Angeles using my old Visa card (use to be by North West Airlines) for a flight on Delta Airlines flt #2819 thru Minn, Minn on June 4th. The amount of Award points used thru my old card cost me 20,000 points for round trip coming back on Flt#2068 on Tuesday June 8th.

I tried booking the same ticket on my American Express / Delta air card and they were asking 40,000 points for the same exact ticket.

Delta and American Express is ripping off the Consumer and all their customers for the same Dollar for points redemption program. I also tried booking Two tickets way out in October for the Same exact flight and that was also 40,000.

I just spoke to Delta customer service who was rude and did not care or put me thru to a supervisor, as they should have.

Let everyone know, the American Express Card is a Rip as since I started using it again since the merger of North West and Delta Air - I have found the same old complaint. Hotels and Resturants and other services who will not accept it. SO you have to carry your Visa to cover yourself when this happens. I am telling Everyone to Drop American Express as they are screwing the user for twice the points to get award travel. I have it all documented as of today April 25 - 2010. I told them the card being put to rest. Will see if their marketing is as good as they claim.

Please pass the word. The points program is a complete rip off. PJ

American Express Amex, Amex Blue, American Express Blue raised my interest rate

American Express raised the interest rate on my account (and NOT due to a default) without sending me written notice. When I found out the rate had been increased from 9.99 to 12.99 I contacted them and was told the rate was increased due to "market conditions
". I immediately closed my account. Four months later, they raised my rate again, this time to 15.24%. I immediately contacted American Express and demanded my rate be returned to the rate in effect at the time I closed my account. The supervisor I spoke to said she had talked to her manager about the issue and was not able to reduce the rate. American Express believes they can raise the interest rate on their cutomers at any time and for any reason and we have no ability to opt out of those changes

I asked her for copies of the card agreement in effect at the time I closed my account but after numerous phone calls and e-mails, I received four separate faxes, none of which contained any terms relating to interest rate increases.

I have filed a complaint with the FTC. I encourage anyone else who has had this happen to them to do the same. If the FTC receives enough complaints they will take action.

AMERICAN EXPRESS Not exactly a ripoff, but a warning to others. Ft. Lauderdale, Florida

I have been unemployed for a year while caring for my ill daughter. Despite my best efforts I have been unable to find much work that I can do from home. Then, out of the blue, my old employer offered me work via telecommuting. Yay! I needed a new computer to handle the large files I have to process, so I took my last $800 from savings and made a large payment to my American Express card. The card pays 1% of purchases toward a savings account (every little bit helps). I transferred the money over the phone. By the time I got to Best Buy (later that day) my credit limit had been reduced to within a few dollars of my new, lower balance! I sent off a quick email to AmEx, explained the issue and asked them to reconsider. I have had that account for 5 years, have never gone over the limit, and always paid on time, and paid more than the minimum. Their excuse was "my poor credit". Well, the only bad thing on my credit report is that my house is going into foreclosure. It just can't be helped. But I've managed to keep current on all other debts. I sent another email, and explained that, thanks to them, I had just reached the end of my rope and was going to file bankruptcy. Frankly, it's a relief.

Today, (9 days later) I received a call from a collection agency who said they were representing AmEx and wanting me to make payment arragements. Apparently, AmEx closed my account. I guess I'm not really surprised. Perhaps it was the comment I made about their underwriters cowering under the desks trying to figure out how they could justify screwing someone who paid their bill every month. Not sure...

In any event, the Indian woman used up 38 of my "day" minutes (which are NOT unlimited) trying to convince me I needed to accept one of three offers - immediate payoff of a lesser amount, a 12-month payment plan, or monthly payment arrangements. I told her I wasn't ready to make that decision and she should send me something in writing. No can do. I was supposed to take her word for it that the "letter of satisfactory payoff" would be forthcoming, and that my credit report would remain untarnished. I told her I would make my normal monthly payment on the 1st (as always). Note - I am NOT behind on my payment, and she did acknowledge that. But she demanded an immediate payment in "whatever amount I could handle. I told her I didn't have it because I don't have a job. So then she asks, "Well, if you're unemployed, how are you going to make the payment on the first?" I told her that wasn't her concern and then things got uglier. It obviously wasn't going to be resolved so I eventually hung up on her. I tried really hard to be polite, right up then.

I wish I knew the name of that company - National something...

Just wanted to warn others that AmEx is screwing people too. I understand they have a legal right to lower my limit and close the account at will. But to sic these collection people on me was uncalled for. I know that eventually things will turn around for me and that I will once again be in a financially stable position. Guess who won't be getting my business?

American Express - Travellers Cheques Refund Refusal (almost 2 years) Salt Lake City, Utah

After living 7 years in the USA I moved back to Brazil (May 2008) and used part of my savings to buy Traveller's cheques, thinking: "they are the safest way to carry my money". Well, it turned out that, during the move, they disappeared. I called AMEX and reported the loss when I was still at the airport (in the USA), but had the feeling they could be in one of the bags I had checked in. When I arrived in Brazil I realized they were nowhere to be found.

I have provided ALL the documents and information they requested and it's been almost 2 years and they keep e-mailing me the same answer: your claim hasn't been finalized yet.

I understand it's a large amount of money (20,000.00), but I was able to provide a good explanation about the origin of the money and the reason why I was carrying it. Anyways, it's my money and I trusted this company to carry it for me. I don't think the cheques have been stolen, because, according to them, nobody has tried to cash them. I think I misplaced them, because I left many things behind, when I moved, and, at this point, they were all thrown away.

I don't understand why they can't put a stop payment on them. Sounds like it's intentional, to cases like mine.

They are wearing me out. I don't know what else to do.

AMERICAN EXPRESS Fraudulent billing of AEPC Member Services Internet

Problem just happened to me. I use few credit cards normally. I stopped using American Express several years ago when something similar to this happened. In fact the credit card I possess still has the activation label on it. Out of the clear blue I get a bill with one item on it for $79.95 itemized as AEPC Member Services for T+L Family Club. Not knowing what AEPC was, I went to the internet and found others complaining about the same thing on Ripoff Report.

Personally, I don't care how it got on my bill whether I acted or didn't act on some junk mail. Unless it was a bill from American Express I was not going to see it. Slimy practices like this needs to be broadcasted to the world to put a stop to wrong doing and set some penalties for the unscrupulous.