Not too happy with Amex as of right now.

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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paparoach429
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Not too happy with Amex as of right now.

Postby paparoach429 » Mon Feb 18, 2013 12:50 am

I paid my first green card bill about 2 weeks ago and they were unable to take the funds because I gave them the wrong account number. (Completely my fault, I lost my debit card about a year ago and they issued me new checks with a different account number and I gave them the old one). Anyways, when I called to make the payment the lndian ladies accent was so heavy I barely understood her. Long story short instead of putting the payment through for $31.10 she put it through for $3,110.00! I called Amex and they apologized for the trouble and said that they have to review the call and verify I didnt acually tell her I wanted to pay that much. I told the rep "why the hell would I want to pay $3,110.00 when I only owed $31.10!" He said I had to call Citibank and tell them to put a stop to it and they couldnt do anything until they did that. Citibank said since it was paid over the phone and not online that she couldnt stop it. I thought Amex was 100% US based? This rep obviously didnt know basic math or how to type on a keyboard!


marzbarz
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Postby marzbarz » Mon Feb 18, 2013 7:47 am

This is interesting,all my calls with AMEX customer service have been with U.S. representatives, and I've been doing business with them for years now
AMEX Blue Cash: $23,500
CITI Doublecash (World Elite MC): $11,200
CAPONE Quicksilver (VISA Signature): $12,500
CHASE Freedom (VISA Signature): $20,000
USAA Rewards (World MC): $13,500
USAA Rewards (VISA): $18,500

DavidNY
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Postby DavidNY » Mon Feb 18, 2013 9:14 am

I would just have Amex cut a check for the difference.

MemberSince99
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Postby MemberSince99 » Mon Feb 18, 2013 3:44 pm

When I called them I got the same foreign CSRs. I kid you not, they screwed up everything I asked of them. Whether that was due to communication issues, them not knowing their jobs, or a combination, I don't know, but I was not overly impressed.

It's pretty bad when the "premiere" creditor that caters to the 'elite upper crust' of society has this sort of thing going on but hey I guess they have quarterly numbers to make.

As far as cutting him a check for the difference, uh, no, they need to post the difference back to his account. Shouldn't be a problem, though I'd wonder if they'd screw that up too. And if they do, it's not likely it would be in his favor I'd be willing to bet.....

Moneytalks
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Postby Moneytalks » Mon Feb 18, 2013 4:10 pm

Oooff! Sorry to hear about that papa, but things could always be worse, lets say adding another figure or two haha (Or why couldn't she have made it $3.11)
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

DavidNY
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Postby DavidNY » Mon Feb 18, 2013 7:45 pm

MemberSince99 wrote:When I called them I got the same foreign CSRs. I kid you not, they screwed up everything I asked of them. Whether that was due to communication issues, them not knowing their jobs, or a combination, I don't know, but I was not overly impressed.

It's pretty bad when the "premiere" creditor that caters to the 'elite upper crust' of society has this sort of thing going on but hey I guess they have quarterly numbers to make.

As far as cutting him a check for the difference, uh, no, they need to post the difference back to his account. Shouldn't be a problem, though I'd wonder if they'd screw that up too. And if they do, it's not likely it would be in his favor I'd be willing to bet.....


Agreed on the cheapness of Amex. If they posted the difference to his account that would work too, it's just been my experience that credit balances are resolved by check. In any case, he should get his money back or leave Amex, or both.

paparoach429
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Postby paparoach429 » Tue Feb 19, 2013 2:36 am

Whats worse is they couldnt resolve it on the spot. They said they have to review the call with the original rep and I should call back later this week and see if its been updated.. Its totally Amex's fault but now Im technically late on my payment. It was due the 14th but they said I have a grace period until the 27th. All this is unfortunate but all I can think of is I hope this doesnt "tarnish" my standings with Amex. :)

paparoach429
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Postby paparoach429 » Wed Feb 27, 2013 3:27 am

So it happened again guys! Amex tried to make the transfer for the $3610.00 and bounced and locked my checking account again. Citibank told me there was no way for them to put a stop to the payment being that it was made over the phone and not by check or online transfer. Also the Amex supervisor told me that they try a maximum of 3 times to make the transfer so that I should be expecting this to happen again in the next 2 weeks. I told Amex that this was BS because I planned on making a few large purchases over the next few days and now I cant since my account is locked so she checked my spending limit and was approved for 5k! Also she credited my account for $70 (2 more overdraft fees).

MemberSince99
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Postby MemberSince99 » Wed Feb 27, 2013 6:43 am

Amex is the "Charles Manson" of creditors in terms of sanity in what they do - they will allow you to charge 5k if you've only charged 1k before, THEN lock you down and demand a F/R. They tell you this is necessary to prudently and successfully run their business, but wouldn't it be MORE prudent to simply deny the charge if they are in doubt? The way they do things is hardly what you expect from the lender catering exclusively to the elite upper crust of financial society (or so their marketing department would have you believe).

As wacky as their business practices are, you are going to have to watch out for what they do next. Even if it's their mistake, the left hand doesn't know what the right hand is doing at Amex - I've personally seen that in action. It's hell for you but should be educational for us.

cashnocredit
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Postby cashnocredit » Wed Feb 27, 2013 7:29 pm

I guess most people post when a problem occurs which is pretty natural. Thought I'd pipe up and say I've had Amex for a year, charged almost 10k the first month, but usually only about 3k/mo. But there have been times I've charged well over 20k including once when I charged more than all my other CC CLs combined in one internet purchase. I did check spending limit first for that one. Never had any issues with Amex at all and I love the ability to manage spending for AUs and the breakout of AU spending.



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