“Amex business line of credit is horrible and unreliable. They hinder my business by approving me for 137k line, then i made the decision to accept bigger jobs for my business and was going to make amex my number 1 source of credit accounts, when all of sudden without warning my credit line was dropped to 40k in 3 weeks of them seeing my financials and approving me for 137k. They claimed it was i was using my amex credit cards excessively. I have a business that rotates a few hundreds of thousands a month and if i was bringing my portfolio to them, it was suppose to be for the better. Now i was committed with big projects and without the financial support they had set the expectation with. They hindered me financially and will never use them again. Imagine u have a friend tell you, i ll lend you 137k to grow your business, then Backs down weeks later. What commitments did you now have that they are leaving hanging with. Perfect way to end up in bankruptcy and base on other comments they ve done the same to others. They dont understand that if they restructure lines drastically and randomly causing you to go down financially, they too will be going down with you on any remaining notes you have with them.”
“Customer since 2006. American Express closed my account without any direct notification.
They claim notice was given via messages on monthly statements - but this was a £0 balance account, so there was no reason to log in and check them. No email, letter, or SMS was sent beforehand.
The only letter I received arrived over two weeks after the account had already been closed. I only discovered it by chance when logging into the app.
Their complaint response also contained incorrect information about prior contact, which undermines confidence in their handling.
Poor communication and even worse complaint handling. I’ve now escalated this to the Financial Ombudsman Service.”
“I sincerely appreciate Mrs. Zamora Lisette for her dependable support. She resolved my withdrawal issue promptly and ensured the entire process was smooth and stress-free.”
“I was a loyal American Express customer business class for over 15 years. I disputed a charge American Express, investigated it and found that it was a legit charge. I contacted the vendor he says no American Express. Representatives have contacted him to dispute these charges so American Express lied to me about their disputed charges. I have always paid my bill every month on time for 15 years. If you can find somebody at American Express that actually speaks English and is in America. Good luck do not use this company they do not do as they say they do. They lie to their customers. My suggestion is go with a visa or Wells Fargo, or something else, but do not rely on what they tell you at American Express.”
“They charged me interest like a ton of it on a membership fee that I didn’t see on bill and wouldn’t reverse it after having their card for 20 years. I’ll never have their card ever again”
“Am Express says they sent my 270,000 am ex points to Hilton
Hilton says they never received them
Even though Hilton says that Am Ex never sent Amex refuses
Strongly recommend against using Am Ex”
“WORST CREDIT COMPANY EVER!!!!! I will NEVER do business with this company again. They give you credit then pull the rug out from under you when you try to use it. They've done this to me TWICE now. Never again, I'll be paying the balance off and cancelling for GOOD. Never again. I've had a perfect payment history with them. Then just because I was using the credit limit they gave me during slow business, they determined that they should cut my limit in less than half and completely stop me in my tracks. The whole damn point of having a credit line is to use it how you see fit. I made payments on time, would have paid off the entire balance in a few months when business picked up again. Screw this company, worst credit card I've EVER had. On top of this shady practice, they jack the rates WAY up if you use very much of your total limit. Shadiest credit card company I've ever seen. Their rates were horrible to begin with, just wait till you have a balance they'll screw you every chance they get.”
“. I have been with AmEx for 10 years.
. Had 2 late payments (not more than 30 days) in the last 2 years.
. Pay more than the minimum asked. ALWAYS!!!
. My FICO/Experian scores are 746 and 735 currently.
. They dropped my credit limit from $12,600 to $1,800. It's absurd. No one rectified it or could give me a reason that made sense.
. I work two jobs and all my bills are paid. No one could give me my limit back, kept telling me I had to wait. This is the first of many reviews and cancellations to follow.”
“48 years a card holder with Amex - always paid on time then their not-clever KYC Dept put together a nonsensical, for a retired person, form to be filled in so that they can ascertain that I am not a drug baron or gun runner. I tried for weeks trying to get the form sent to them, each time only managing to get one PDF attachment away to them - at 77 I am not the hottest on IT - I tried calling them and of course and most times you could almost die of old age waiting to speak to a living being. One time from Indonesia I managed to get to someone who said that he had made remarks on my file and somebody would get back to me. As it was middle of the night Uk time, he said he couldn’t deal with my queries - I wasted so much time trying to speak to someone and when eventually I got to someone, they said there was nothing written in my file - so time went by with me struggling with their damn ridiculous form filling. Eventually I had it all written up and sent it by normal mail prior to their deadline - Amex say that it did not arrive before their deadline and immediately told me that my account had been closed down.
It is certainly not because of any lack of liquidity on my part and just shows a total lack of integrity and inability to deal with customers in a personal level - such awful people Amex are, without absolutely no duty of care or flexibility - and so I am wondering why I spent 48 years with Amex - but anyway, good riddance!”
“I was at a standstill, unsure of my next move and mentally drained, when I discovered Michael and team From the start, their team made me feel like my situation mattered. They asked the right questions, listened without judgment, and provided clear guidance rooted in experience.
What impressed me most was their consistency and sincerity. Every interaction reinforced that I was in capable hands. That sense of trust and stability was exactly what I needed during a difficult time.”
“Avoid at all costs. I tried balance transferring to my Amex card and had old card details stored on my computer so sent to an inactive account. After 1 week I realised my active accounts not recieved the money so I called and found out I sent to an old account. My first problem is how are funds allowed to go in a closed account and why wasnt I informed? I still can't get my money until I provide a full month's statement. So as its a new card I have to wait for my first generated statement then send it off to get reviewed. On the 3rd December at approximately 13:15 uk time I had the misfortune of speaking with a gentleman named chris who tell me one thing, knowing well nothing can be done without the actual statement. He was patronising and I want to make a complaint”
“After more than twenty-five years as an American Express customer—virtually flawless in my payment history, with only one late payment in a quarter century—I never expected the company to show such a stunning lack of appreciation for my loyalty.
I recently paid my balance in full less than 24 hours after it posted, only to find a $40 fee added to my account. Given my long, responsible track record, I expected what any reasonable customer would: a quick review, a moment of common sense, and a simple one-time courtesy waiver. Instead, I was met with a flat, impersonal refusal—no exception could be made.
It’s not the $40 that matters. It’s the disrespect.
American Express has long marketed itself as the gold standard of customer service and premium care, but when given the opportunity to demonstrate those values to a loyal, decades-long customer, it hid behind rigid policy rather than exercising even a shred of discretion.
The irony is that with my excellent credit score, I receive multiple credit card offers every week, many with better perks, more flexible customer service, and superior rewards. Until now, I stayed with American Express out of loyalty and habit. But this experience made one thing painfully clear: that loyalty is not reciprocated.
As a result, I will be closing my American Express account and seriously considering one of the many competing cards eager to treat reliable customers with the respect they deserve.
If this is how American Express chooses to value a customer of 25+ years, they shouldn’t be surprised when those customers decide to take their business elsewhere.”
“Person on the phone was RUDE and not listening to what I was asking. To log on to their site to go to your account requires 18 characters, I'm 76 years old will never be able to remember all those number and letters while out of my home! Waiting for a customer service person takes a long time, so if your out of your home and have a problem, your holding up other people while waiting for help! I will NOT save my password anywhere so there you are. American Express use to be a great card to have, they stood behind you in a problem but now I doubt I will use my new card in the near future. I have other cards that give terrific service and I will use them first. Maybe American Express is a thing of the past!!!”
“So disapointed in American Express. The updated website no longer allows you download unbilled transactions into Quicken or other financial software. It will only allow you download when a statement is issued. The user experience was already terrible as other banks allow automatic downloads. American Express made you manual download them. The only way to keep up with your use of the card is to manually enter each transaction. What a waste of time! I will be canceling our cards. Very short sighted decision that did not account for the user experience whatsoever!!”
“Thomas and the team were truly a blessing when I needed it most. They came in with a calm presence, an understanding ear, and the kind of expertise that made everything feel manageable again. There was never any rush or pressure—just genuine care and the desire to help. They made something I was dreading so much easier to face. I walked away not only relieved but genuinely touched by their humanity.”
“Thomas and the team were truly a blessing when I needed it most. They came in with a calm presence, an understanding ear, and the kind of expertise that made everything feel manageable again. There was never any rush or pressure—just genuine care and the desire to help. They made something I was dreading so much easier to face. I walked away not only relieved but genuinely touched by their humanity.”
“After being a member since 1999 they cancelled my card because of lack of usage. Horrible, but because I have not needed the card and to maintain activity I enrolled in Netflix to have a monthly charge which obviously is not enought. SHAME on you!”
“I want to warn everyone about the misleading tactics American Express uses in their promotional offers. Amex mailed me a pre-approved offer with a unique RSVP code, clearly implying eligibility. I signed up for a Business Platinum Card online, paid the hefty $695 annual fee, and met every spending requirement. According to Amex, I could have canceled my membership within 30 days and received a refund, but there was no written letter sent to inform me of my ineligibility. They also said that receiving an RSVP code doesn't guarantee approval. Despite my high credit score and good standing, Amex will find excuses with regards to why I was not eligible so they don't have to give me the 250K bonus points. At that point, they have immediately charged the $695 annual fee so they have your money. Therefore, when it came time to honor the promised 250,000 Membership Rewards points, Amex refused, claiming I didn't qualify. If I had known this, I would have canceled right away and gotten my annual fee back. Even after escalating the issue to the Consumer Financial Protection Bureau, nothing changed.
This experience reinforced how untrustworthy their mail and online promotions are. They continue to send me mailers and show enticing offers online—but I am now very skeptical of whether they will be honored. My advice: don't sign up for their promotional offers, don't believe what they advertise, and throw their junk mail straight in the garbage. It's all misleading and a bait-and-switch tactic.
Adding to the frustration, Amex remains poorly accepted internationally (especially in Europe) and still charges unreasonable foreign transaction fees, despite promoting itself as a global card. I’m liquidating my points, paying off my balance, and canceling my account. I’m extremely disappointed in Amex and will not be giving them any more business, and I’m encouraging others to avoid them as well.”
