I have been a card memeber since 1991 without ever missing a payment, spending about $100,000 annually. In 2015 due to health reasons I had to take a leave of absence from my job. Even though all minimums were met Amex decreased my limit on existing balance without proper notice and hit me with a minimum payment of $7000.
Despite numerous phone calls to Amex, did not receive any cooperation and pretty much felt I was dealing with a robot.
Amex pushed me into becoming past due and ruined my credit.
I cancelled my cards and even if I win the lottery will never do business with Amex again.
Every other company understood and cooperated and helped with exception of this company.
Harrassing phone calls started and I have reported them. Reps are rude.
Now I am back at work thank god, still will never do business with Amex ever again. They are horrible.
They threatened to take all my miles and benefits away even now I am paying $2000 a month, I told them they can have their miles.

We called American Express about a transaction with Royal Holiday (Travel Experience), a Mexican timeshare company. We canceled our contract with Royal Holiday within the 5 day time period allowed. We heard nothing from Royal Holiday, except too bad we have your money. We then contacted the Mexican Government which required Royal Holiday sign an agreement agreeing to refund our money and cancel the contract. Royal Holiday sent us one of the four payments required. We requested American Express to credit our card for the remaining money due.

Dealing with American Express has not been much better. Our initial contact with American Express was great, but then the case is then sent to their disputes department. We were promised a call from the disputes department within 48 hours. We have called American Express multiple times and each time they make the same promise ,we will call you back in 48 hours. It has been 8 months now and we have yet to get a call from the American Express disputes department.

We have sent them numerous letters outlining all the points of our complaint. They have not addressed any of the issues and send us back a form letter saying they have spoken with the company and can do nothing.

I have asked them why they deal with a company like Royal Holiday that has thousands of complaints on line and F rating with the BBB. I have yet to hear a response.

It would seem to me that American Express is a willing partner in fraud with their partner, Royal Holiday. It seems if a company is large enough, American Express is willing to look the other way on fraud.

American Express has a copy of the agreement between the Mexican Government's consumer protection unit, Profeco and Royal Holiday acknowledging that Royal Holiday has agreed to cancel the contract, yet they still have failed to respond.

If you believe American Express's propoganda, that you are protected with American Express, think again. When it comes to travel protection leave American Express at home.

Amex Customer Service is a joke and their operation seems like scam. My aged inlaws were hit with a Costco membership through Amex and it took several letters just to close the Amex Account but they still have not removed the bogus charges. Whay would anyone use Amex when a regular credit card is much better and offeres extended payments. Their fees are huge and rewards program a scam. They offer many incentives but in the end deliver very little. Ours was for air travel mileage, but the restrictions were so great that using the points was practically impossible. BOYCOTT AMERICAN EXPRESS they are a sham company