Comments on: My Letter To American Express http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/ Latest Credit Card News, Reviews and Information Sat, 21 Nov 2009 01:24:43 -0600 http://wordpress.org/?v=2.8.6 hourly 1 By: Benedict R http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-118990 Benedict R Mon, 21 Sep 2009 19:17:52 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-118990 AmEx screwed me also. After being declined in the check out line with a business assoc. I called AmEx to ask why this happened. I paid my balance in full and could not understand. They said if I paid $3000.00 towards my account all would be fine. I did as they said with not getting a straight answer (my stupidity) and went to use the card again. Not only was my card declined it was canceled! No letter, no phone call or nothing. This was all in a 4 day span. They gave me the same poor FICA score crap. They are just in trouble and about to go out of business is what I think. This is happening to all of us loyal customers. AmEx screwed me also. After being declined in the check out line with a business assoc. I called AmEx to ask why this happened. I paid my balance in full and could not understand. They said if I paid $3000.00 towards my account all would be fine. I did as they said with not getting a straight answer (my stupidity) and went to use the card again. Not only was my card declined it was canceled! No letter, no phone call or nothing. This was all in a 4 day span. They gave me the same poor FICA score crap. They are just in trouble and about to go out of business is what I think. This is happening to all of us loyal customers.

]]> By: GLOBETROTTER http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-116083 GLOBETROTTER Tue, 18 Aug 2009 05:03:16 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-116083 Thanks for the 800 number for the Office of Thrift Supervision. I have a different problem. All of a sudden, AMEX is now requesting a password from me. The problem is that I never created a password and believe I have been a on time never late with payment customer for more than ten years. To add insult to injury the customer service agent stated well if you don't have a password, then your mother's maiden name is sufficient . I asked how did they get that information about me. The agent stated , " ooh we use public records to attain that information!". Then of course, I stated well that obviously can not be a secure method to verify me especially if public records are used to generate security measures? As the conversation accelerated in a downward spiral. I said I simply want to CANCEL. I am done! The agent said I can transfer you to that department but I need your password. Of course, I explained my position using lovely words like @#$% and %^^&**(()$$%^. You get the point. ... They refuse to let me cancel my account. Can anyone out there provide me with the address where I cancel this $%^&**(( account? Thanks for the 800 number for the Office of Thrift Supervision. I have a different problem. All of a sudden, AMEX is now requesting a password from me. The problem is that I never created a password and believe I have been a on time never late with payment customer for more than ten years. To add insult to injury the customer service agent stated well if you don’t have a password, then your mother’s maiden name is sufficient . I asked how did they get that information about me. The agent stated , ” ooh we use public records to attain that information!”. Then of course, I stated well that obviously can not be a secure method to verify me especially if public records are used to generate security measures? As the conversation accelerated in a downward spiral. I said I simply want to CANCEL. I am done! The agent said I can transfer you to that department but I need your password. Of course, I explained my position using lovely words like @#$% and %^^&**(()$$%^. You get the point. … They refuse to let me cancel my account. Can anyone out there provide me with the address where I cancel this $%^&**(( account?

]]> By: iloveny http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-110650 iloveny Tue, 23 Jun 2009 23:27:56 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-110650 The same thing happened to me. Over the weekend when about to pay for my grocery shopping of $46,I found out that my card was cancelled without any notification. I have been their loyal customer and always used Amex cards whenever & wherever is accepted. I was always on time, never missed on any single payments and had never carried any balance. What a dissapointment! Does anyone knows if the cancellation by American Express will affect my credit score. I just pulled out my credit score report from Experian, it doesn't show any cancellation of my Amex Card and my score is 780. The same thing happened to me. Over the weekend when about to pay for my grocery shopping of $46,I found out that my card was cancelled without any notification. I have been their loyal customer and always used Amex cards whenever & wherever is accepted. I was always on time, never missed on any single payments and had never carried any balance.
What a dissapointment!

Does anyone knows if the cancellation by American Express will affect my credit score. I just pulled out my credit score report from Experian, it doesn’t show any cancellation of my Amex Card and my score is 780.

]]> By: Sheilah http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-109083 Sheilah Thu, 04 Jun 2009 23:48:00 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-109083 This past weekend I had an awful experience with American Express. On 5/29/09 I flew to Illinois for my granddaughter's high school graduation. I stopped to buy a graduation gift for $25.00 and my card was declined. When I called Amex, I was told they cancelled me that day AND sent the letter out that day! I was on the phone with them for three hours. I was told I owned a business, and when I explained I never owned a business, the rep asked why was my name down as the owner. Then I was asked for my yearly salary, phone numbers, address, SS#, etc. She said she was trying to reinstate my card, but after she "updated" her records with my current information, she said there was nothing their office could do. I had to cut my trip short, pay to change my airline ticket, and return home earlier than planned. It was a good thing my sister came in town for the graduation because I stayed in her hotel room. I cried from my arrival date through the entire weekend. I was so depressed when I returned home, I couldn't get out of the bed that Monday until late afternoon. I contacted the Executive Assistant to the CEO of American Express. I explained to him on 5/29/09 I was advised by Amex my card was cancelled because my debt level increased and I had delinquencies. However, I had not incurred additional debt since they gave me a card one year ago, in fact, my debt level decreased. Also, none of my creditors have contacted me about delinquencies. The Executive Assistant contacted me yesterday, but supported (of course) the actions of the company. I asked for a copy of my report when they initially granted credit to me last year, and the "periodic reports" leading up to now. I was told he could not give me that information. If you have or are experiencing problems with Amex, send complaints to the following address. If you say or do nothing, Amex will continue their unfair practices. I feel they should contact consumers way in advance of cancelling accounts. I would not have used my Amex card for an airline ticket had I known they were about to cancel me. That could have been money paid towards the balance of my card. Office of Thrift Supervision (800.842.6929) 1700 G Street, NW Washington, DC 20552 I have had American Express Blue for one year and was never late, and paid my bill before the due date. This past weekend I had an awful experience with American Express. On 5/29/09 I flew to Illinois for my granddaughter’s high school graduation. I stopped to buy a graduation gift for $25.00 and my card was declined. When I called Amex, I was told they cancelled me that day AND sent the letter out that day! I was on the phone with them for three hours. I was told I owned a business, and when I explained I never owned a business, the rep asked why was my name down as the owner. Then I was asked for my yearly salary, phone numbers, address, SS#, etc. She said she was trying to reinstate my card, but after she “updated” her records with my current information, she said there was nothing their office could do.

I had to cut my trip short, pay to change my airline ticket, and return home earlier than planned. It was a good thing my sister came in town for the graduation because I stayed in her hotel room. I cried from my arrival date through the entire weekend. I was so depressed when I returned home, I couldn’t get out of the bed that Monday until late afternoon.

I contacted the Executive Assistant to the CEO of American Express. I explained to him on 5/29/09 I was advised by Amex my card was cancelled because my debt level increased and I had delinquencies. However, I had not incurred additional debt since they gave me a card one year ago, in fact, my debt level decreased. Also, none of my creditors have contacted me about delinquencies.

The Executive Assistant contacted me yesterday, but supported (of course) the actions of the company. I asked for a copy of my report when they initially granted credit to me last year, and the “periodic reports” leading up to now. I was told he could not give me that information.

If you have or are experiencing problems with Amex, send complaints to the following address. If you say or do nothing, Amex will continue their unfair practices. I feel they should contact consumers way in advance of cancelling accounts. I would not have used my Amex card for an airline ticket had I known they were about to cancel me. That could have been money paid towards the balance of my card.

Office of Thrift Supervision (800.842.6929)
1700 G Street, NW
Washington, DC 20552

I have had American Express Blue for one year and was never late, and paid my bill before the due date.

]]> By: Maureen http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-99081 Maureen Fri, 20 Feb 2009 07:05:54 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-99081 American Express really seems to like canceling accounts. I have been checking the internet since I received a letter today notifying me that they canceled my accounts without warning. Fortunately, I was not left stranded out of town like some people I read about. I also have never had an account canceled, pay on time, yada yada yada. The only reason I had the darn thing was to shop at Costco. So now I am not going to shop at Costco anymore. It always bugged me that they only accepted AMEX anyway. I could pay by cash or check, but I don't carry cash much and hate writing checks, especially as I am juggling a newborn right now. Several people that I have read about have been told that they could get their account reinstated for a fee, which seems like a scam. They couldn't pay me to do business with them. It's bad enough that they canceled the card, but at the bottom of the letter it tells me that the fact that they canceled my card will hurt my credit and I better not try to not pay them, cause they'll call a credit collector on me. It was like whoever wrote the letter had had a bad day and wanted to make sure I had a bad day too. It's annoying to rub it in that they are hurting my credit, but just rude to imply I wouldn't pay my card. At the same time, I wonder what would happen if I couldn't pay my balance. They gave me a $30,000 limit, which I neither wanted, nor needed. If I was carrying $30,000 in debt and they said I had to pay it all now, I'd be in trouble. American Express really seems to like canceling accounts. I have been checking the internet since I received a letter today notifying me that they canceled my accounts without warning. Fortunately, I was not left stranded out of town like some people I read about. I also have never had an account canceled, pay on time, yada yada yada. The only reason I had the darn thing was to shop at Costco. So now I am not going to shop at Costco anymore. It always bugged me that they only accepted AMEX anyway. I could pay by cash or check, but I don’t carry cash much and hate writing checks, especially as I am juggling a newborn right now. Several people that I have read about have been told that they could get their account reinstated for a fee, which seems like a scam. They couldn’t pay me to do business with them. It’s bad enough that they canceled the card, but at the bottom of the letter it tells me that the fact that they canceled my card will hurt my credit and I better not try to not pay them, cause they’ll call a credit collector on me. It was like whoever wrote the letter had had a bad day and wanted to make sure I had a bad day too. It’s annoying to rub it in that they are hurting my credit, but just rude to imply I wouldn’t pay my card. At the same time, I wonder what would happen if I couldn’t pay my balance. They gave me a $30,000 limit, which I neither wanted, nor needed. If I was carrying $30,000 in debt and they said I had to pay it all now, I’d be in trouble.

]]> By: Carnival Of Crazy Credit Card Companies | Ask Mr Credit Card's Blog http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-97896 Carnival Of Crazy Credit Card Companies | Ask Mr Credit Card's Blog Mon, 09 Feb 2009 23:39:34 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-97896 [...] by the way, I still haven’t received a response to my letter about my bizarre “financial review”. Long story short, I passed, they [...] [...] by the way, I still haven’t received a response to my letter about my bizarre “financial review”. Long story short, I passed, they [...]

]]> By: Mark http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-95400 Mark Mon, 19 Jan 2009 22:13:34 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-95400 I would love to take all of us and class-action these #*^#*. Not only did they effect my business line of credit with their little, lowering the limit stunt, but because, I personally guaranteed the card, the stunt also affected my FICO score. To add injury to insult, if you want to know why the action took place, good luck on finding out. Their customer no service department is THE WORST. I would love to take all of us and class-action these #*^#*. Not only did they effect my business line of credit with their little, lowering the limit stunt, but because, I personally guaranteed the card, the stunt also affected my FICO score. To add injury to insult, if you want to know why the action took place, good luck on finding out. Their customer no service department is THE WORST.

]]> By: SimplyForties http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-94337 SimplyForties Tue, 06 Jan 2009 18:50:57 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-94337 What an unfortunate experience. That's a great letter and I hope you get the response you want although it doesn't sound like they are too concerned. I don't do business with AMEX based on an unfortunate experience I had with them several years ago. I have no interest in ever using them again. Good luck! What an unfortunate experience. That’s a great letter and I hope you get the response you want although it doesn’t sound like they are too concerned. I don’t do business with AMEX based on an unfortunate experience I had with them several years ago. I have no interest in ever using them again. Good luck!

]]> By: Jean http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-94333 Jean Tue, 06 Jan 2009 17:28:21 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-94333 I, too, had a miserable experience with AmEx, after being a cardholder for 16 years....never missed a payment, etc. I renovated my bathrooms last summer and wanted to put the tile and fixtures on my AmEx card, simply so I could get the miles into my Membership Miles account. Those miserable you-know-what's denied the charges because they were "over my usual monthly spend". Not a word to ME about it - just denied the charges. I argued that their advertisements proudly say "So I switched to American Express and it never happened again". What a joke. They didn't care and said my account would be frozen at $1500 for six months and there would be no review before that six months was over. I looked like a fool to my vendors and will never forgive them for that. I canceled my card and wrote a letter similar to the one above. The sad part of that is that AmEx doesn't even care that I'm gone - I never got a reply to my letter and I actually still get advertisements from them. What arrogance!! Like Karen, I have told everyone I know this story and I believe in my own little way, I have cost them some business. I am so grateful for this opportunity to spread the word even farther! I, too, had a miserable experience with AmEx, after being a cardholder for 16 years….never missed a payment, etc. I renovated my bathrooms last summer and wanted to put the tile and fixtures on my AmEx card, simply so I could get the miles into my Membership Miles account. Those miserable you-know-what’s denied the charges because they were “over my usual monthly spend”. Not a word to ME about it – just denied the charges. I argued that their advertisements proudly say “So I switched to American Express and it never happened again”. What a joke. They didn’t care and said my account would be frozen at $1500 for six months and there would be no review before that six months was over. I looked like a fool to my vendors and will never forgive them for that. I canceled my card and wrote a letter similar to the one above. The sad part of that is that AmEx doesn’t even care that I’m gone – I never got a reply to my letter and I actually still get advertisements from them. What arrogance!!

Like Karen, I have told everyone I know this story and I believe in my own little way, I have cost them some business. I am so grateful for this opportunity to spread the word even farther!

]]> By: Carnival of Money Stories Edition #92 http://www.askmrcreditcard.com/creditcardblog/my-letter-to-american-express/comment-page-1/#comment-94317 Carnival of Money Stories Edition #92 Tue, 06 Jan 2009 12:00:15 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=2757#comment-94317 [...] presents My Letter To American Express posted at Ask Mr Credit Card’s [...] [...] presents My Letter To American Express posted at Ask Mr Credit Card’s [...]

]]>