- Platinum Member
- Posts: 93
- Joined: Thu Nov 06, 2014 11:53 am
- Location: United States
The only suggestion I can make is to make a physical copy of the letter you received from AmEx, and physically send that copy along with your explanation and expectations to AmEx headquarters. I would allow them 30 days to investigate and respond, and 30 additional days to grant you a credit for the AF you believe they erroneously assessed in Nov 14.
If by the end of 30 days you receive no written response, and if by the end of 60 days you do not receive the credit for the fee, then I would escalate your concern to a consumer agency. There is likely some language in some type of Truth in Lending Act or similar, that prohibits banks and lenders from inducing consumers with false promises. And there is likely some administrative agency with which you can file a complaint. You should advise AmEx of your intent to do so, but only after giving them the first 30 days to respond with their plan of action.
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Near Term: Need a good MasterCard for places that won't accept AmEx or Visa
Long Term: Will downsize out of one or both current AmEx cards to reduce AFs