On 12Dec19 and 14Dec19 they allowed fraudulent transactions to occur, sending my money to a company called Zomato. Zomato appears to be a food delivery service in India. I called and had to argue, but the money was reinstated to my account. Further, that credit card number was CANCELLED, and a new card was to be issued.
On 21Dec19, five days AFTER the credit card number was cancelled, American Express authorized six more fraudulent transactions, transferring $44.04 out of my account to the same Zomato in India. How is that even possible after the first complaint, and after the credit card number was cancelled???
I phoned and initiated a dispute, but the money has not been returned to my account. This is 100% American Express incompetence. They continue to authorize fraudulent transactions, with MY money, even after a credit card number has been cancelled, before a new one is even issued. I have never shared my info or number with anyone, nor lost it, nor used it irresponsibly, nor had any financial transaction in India, with anyone for anything, ever.
Review by GiveMeFive2 months ago
The worst credit card ever! they had ruined my credit score for not collecting the monthly payment. My repayment assessment was immaculate until this incident. rang them and explained the situation and they had said ' we can accept any type of payment, we don't care about your direct debit, also the chap was so rude.
Review by Martymae2 months ago
Always have a great customer experience with AMEX. Whenever I have needed to contact AMEX it has always been quick and the agent very helpful. This morning I had a text from AMEX to say a payment out of the account had not been possible, I called up shortly after, was through to Lorraine in seconds and she knew who I was when calling. The verification process is probably the best I have experienced from a major company. Lorraine had all the details in front of her (even though the problem was from an old card) and I was on the phone for no more than three minutes for it to be sorted. Will always praise AMEX.
Review by Devanand2 months ago
I have been a customer with AMEX since 2013 and they have never once failed me. Yes, it's true that the card is not accepted everywhere, but more and more you can use it in most stores on the high street and almost everywhere online.
I was a victim of someone skimming my card details in May this year and a transaction was made online to a food delivery service. AMEX immediately called me as this was out of character with my spending patterns - they stopped the payment and cancelled my card before rushing a new one to me in the mail as I was due to fly to South Africa 3 days from then.
Amazing company, customer service has always been second to none, and the card has offered me such a lifeline when my normal bank HSBC cancelled my card for no reason without telling me.
Can't understand the bad reviews, seriously. I am a huge fan of AMEX and they go the extra mile to help you - especially their fraud prevention team.
Also the weekly balance alerts and texts when you have reached your nominated spend amount are most helpful.
Review by RPvanderfield2 months ago
Oh dear. Normally excellent, but this November 2019 I was stuck in a pit pf a hotel in London having spent a fortune to be there. American Express were useless and gave no advice other than misinformation. Now with UK management team to investigate. Until resolved to my satisfaction I will not book any travel with American Express.
Review by Qevdogg2 months ago
Amex ended up replacing my card without my consent. Amex customer service is really nice, and they were trying to be helpful. However, the delays from being unable to use my current card while waiting on the replacement to arrive caused me to miss deadlines - resulting in over a thousand dollars of extra costs.
Once I realized what happened, I called customer service back. The reps continued to be very nice, but they were unable (or unwilling) to resolve the issue in a way that didn't result in my having to pay a ton more money from the deadlines I missed.
(Note: Amex did not charge me any fees. I just had to pay a lot more from missing a deadline that occurred while the new card I did not ask for was in transit to my house.)
Review by Farikh2 months ago
American Express Rewards are great. You also get membership reward points on supplementary cards. Customer service is great. Easy to get hold of them both on the phone and via live chat service on the banking app. Minor inconvenience is that some retailers don’t accept American Express cards. Also since it is a charge card you must pay balance in full to avoid interest charges. Don’t think there is any balance transfer options with AMEX cards. Banking app is customer friendly. Overall very happy so far being an American Express customer.
Review by AntonioR2 months ago
Very bad experience. You don’t get the points promised and then when you try to contact customer service they don’t call you back and you had a very bad experience there. I would totally recommend staying away from this company at all costs
Review by PersonFromLondon2 months ago
UK Customer service... you can do so much better than this! I find this department rude clearly jealous of their customers and very inconsistent in the level of their service. Next time I get another horrid service I will include your names here for your managers to read.
Review by Gianfrancioschio2 months ago
I was not surprised to see this predatory financial corporation averaging only two stars. I recently attempted to book a Delta airlines flight and applied for the Skymiles card. I was instantly approved and issued a temporary CID# to pay for the flight.
The Delta site kept rejecting my card as "invalid CID#". Over a half dozen back and forth calls with AE and Delta, each blamed the other for the problem and told me to call the other one to fix the problem. AE confirmed the temporary # was valid.
Every time we tried to book the flight, the charges were posted pending on my AE account but Delta would not book the flight. I was frantic the flights I needed were filling up while I hassled with the two companies for several days.
THIS IS ALSO A DELTA AIRLINES one star never again review.
The final straw was, after being batted back and forth by the could-care-less bureaucrats and their computers like a tennis ball, when I asked the AE agent to reverse the charges since I was never issue a ticket (after Delta refused to contact AE directly and confirm no ticket was issued), I asked the AE agent for a conference call with Delta so the two of them could correct their dysfunctional IT issues. She refused.
I ended up booking the flight using another credit card and canceling the AE card. I am still waiting for AE to cancel the "pending" charge and am worried that I'll have to go through another B.S. battle to dispute the charge and perhaps end up being sent to a collection agency. (This is why we really do need Elizabeth Warren's Consumer Financial Protection Agency).
At one point, a Delta agent said the issue with "invalid" temporary AE CID#s had been going on for several weeks. And AE wasn't fixing it!
Review by Marimla2 months ago
Back here again to update on my poor service from these people. Barclaycard have paid us back for their part of my claim I had with Thomas cook . Still waiting with these lot and I can’t believe how unprofessional they really are when you speak to them over the phone . COME ON AMEX SHOW US ALL YOU ARE WHAT YOU ADVERTISE YOU ARE THE BEST . Because I’ve seen nothing yet to see this ...
Review by Baburao2 months ago
Amex Don't Live Life With It!
They should make an advert of all the places that don't accept AMEX cards! before you get one.
Review by CzechedOut2 months ago
Great cards with compelling loyalty programs, but what sets them apart is their customer service. The only financial institution in the UK that has always solved my issues in one call.
Review by Resim Bekaert2 months ago
Terrible customer services. If you have a problem the staff are dismissive and if they make a mistake they turn it round in you. I lost 20,000 points because of incorrect information and they have refused to reinstate it or even discuss it.
Review by Ayoolu Airhart2 months ago
I have my Amex since 2012 and the card itself at the beginning was hard to use because not every place in the UK will accept it but now is much better so it is alright. However, the customer service team in the UK are horrendous. They have such a poor customer care and communication skills, that I think twice every time I need to contact them.
I have not received my statement since August 2019 and I have been chasing them since them still no statement neither anyone has contact me yet. This is just one example of many incidents I have had with them.
Review by EvieFlackman2 months ago
Waste of time!
Review by Devistated3 months ago
Saw this beautiful world cashback and at first everything was fine and working smoothly. BUT. After finishing 3 months of promotion, I could not access the app for a while, so later one month saw that my credit limit is still 0, but I paid back everything. So after 1,5 month I was on phone for a 30 minutes, trying to understand why I have to pay another 1035 £. As the company told me, I just owed it already. That’s just impossible and I feel myself such a dumb for loosing 1035£, even to consider that I am a student and obviously such amount doesn’t not roll... But sometimes you just have to pay for an experience... At least I hope my account is closed and I would not face anything from them afterwards.
Review by PennyG3 months ago
They sent me a bill weeks after I closed my account. At the time of closing my account they said I had paid the balance on my account and had no more bills to pay. They then couldnt explain which charges were the ones that contributed to the bill amount. I requested and was promised a call back from a manager twice. However this never happened. Terrible cusotmer service and misleading billing practices.
Review by Samko Veneroni3 months ago
WORST COMPANY I HAVE EVER DEALT WITH. PERIOD. NEVER ANY CUSTOMER SERVICE REPS THAT ARE AMERICAN. NEVER CAN GET ANYTHING SOLVED. CAN NOT TELL ME WHY DEPOSITS ARE ALWAYS LATE. OUTDATED ATM MAP/LOCATIONS. SWITCHING TO ANOTHER BANK TOMORROW!
Review by VFlore3 months ago
For a few years now our small business has had the facility for American Express (together with all other cards) installed in our payment terminal. All was well until we realised in October this year that AE hadn't credited our bank account with any payments for nearly 6 months, although the payments had been debited from the customers accounts. The total was almost £2000! When we enquired about this we were told that AE will automatically close the account if there is no activity on the account for 1 year. No-one from AE contacted us to explain this, rather they kept this money, due to us, in a Suspense Account. They then told us we would need to re-open our account with them before they could release the funds. Only when we demanded the money be paid into our Bank Account forthwith did they release the funds. Needless to say we have now cancelled AE from our payment terminal and would never recommend them to anyone!
Review by ArthurW3 months ago
Horrible service. Don't use them
Review by Steva3 months ago
American Express has no customer service they are terrible when it comes to dealing with problems that they create if you and go to another company because you'll get better service
Review by Yakeline3 months ago
This is THE credit card to carry and use, and it is the oldest.
There are several levels of cards for holders -- each level is designed to meet the specific needs for its client: travel, large purchases, fat bonus points, etc.
An AmEx card/account is not for everyone, mind you. You must settle up the balance due each month, or risk a hefty penalty. It is not financially designed for those living from paycheck to paycheck. But, if you want to be able to conveniently charge your purchases, travel, dining, etc, this is the most respected, prestigious and least hassle-free.
Really and truly -- do not leave home without it.
5 lovely stars for my 100th review go to American Express.
Review by Renwick Mambetova4 months ago
It wouldn't make any change posting another bad review about them here but I want to share my experience too. I can see they don't even bother to respond to the reviews.
I wasn't able to pay in full for the September bank statement, just £400 short and since then they kept charging me for this; £63 in October and £34 in November, even if I paid the full statements for both months.
Be aware of this and think twice before you apply and use this card!
Review by Penematafele4 months ago
Stay Away, I have a Business Credit Card with them. I used the "check spending feature" with them to pay my company insurance for 6969.00. It was approved and then one week later I contacted by AE to make a 4200.00 payment 12 days before my due date. I made the payment and then 2 days later I was called to make a 3900.00 payment. I told the rep I would have rather AE not approved the charge and I would have used my other card to make the payment. They could not understand why I felt that way. How can a company this size operate like this.