American Express Global Reviews 5,210

Very interesting that Amex allows you to pay bills early (with auto pay enabled) and by default they dont look at any payments made and just extract maximum account balance. This leads to full double payments by the way. The best part of it all -> amex "doesnt have a way for them to get the money back to you" other than waiting for the next cycle (1 month) then sending a cheque in the mail (14 business days). During the whole time they invest in interest earning securities with your money hahahha. Genuinely should be illegal. Biggest payment processor conveniently cant send payments the other way.

The absolute WORST website I have ever encountered...so prone with problems I can't list them all. Unbelieveably stupid company.

I have received numerous phone calls from American express where it is silent on the phone like scammers also numerous times where they've accidentally put me on hold before they speak to me. You'd think a company this big could do better.

AMEX JUST TOLD ME: “Because this dispute was reported more than 60 days after your statement date, we were unable to investigate it.”
In July 2025 I purchased a knee surgery ice therapy product for knee replacement surgeries scheduled for July 2025 and January 2026. The product-Beluga Pro- was manufactured and sold by Summit PDG, Inc.
My Amazon “return window” closed in late August 2025. When I had my second surgery in January, I discovered the product did not pump water / work.
I attempted to return it thru Amazon, who would not help me because the return window was closed.
Amazon asked the company to contact me which they failed to do.
The manufacturer/seller has no working website, phone number or ever provided a warranty.

So much for helping its customers!

Went to use the card and it was canceled. They canceled my account over a heated subscription charge dispute with Ancestry.com that I finally won over 5 months ago!!!! Out of the blue with no advanced warning, email, or text they cancel my card. I could have been on a trip or in an emergency!!!! This is now how TOTALLY evil this company is to its customers. AMEX is now a third world card company with ZERO customer support. They have turned into a very pro business and anti customer protection company over the last 10 years. They really started going down hill when Costco dropped. And Costco dropped them since they charge too much for processing and DON'T LIKE DEALING WITH CUSTOMERS OR RETURNS NOW. Had the platinum card for 23 years and they dropped me like a hot rock with ZERO warning. They also stole/canceled 1300 dollars in award points THAT I EARNED. What a class act they now are. AVIOD AMERICAN EXPRESS NOW AT ALL COST, THEY NOW WILL ALWAYS TAKE THE CROOKED COMPANIES SIDE OVER YOURS!!!! THEY ARE NOW SORE LOSERS AND VINDICTIVE!!!!!

absolute con artists, fees are sky high and they let you know payments due a day after its due then charge you ridiculous amounts of interest and absolutely no customer service

Be very careful with American Express, it is not the safe credit card you thought, Amex actually allowed an individual to change my email and mailing address with a phone call despite the fact that my account had a fraud alert. This is deeply concerning and I will be canceling my Amex account after 25 years as a customer

Amex is definitely not what it used to be. I'm pulling out some money out of savings just so I can pay off my cards and be done with them. Apparently I'll have to close my accounts or they'll charge "trailing interest" (that's a class action lawsuit just WAITING to happen!) I thought I had autopay set up, and they absolutely refused to refund a late fee for it. I have never had a late fee waived. So I hope that $40 was worth losing what could have been a lifelong customer. They would have made way more than that off me if I hadn't chosen to go ahead and pay off accounts. 🙄

Their rewards points are pretty valuable. Some of the cards also have some amazing benefits. Wish the cards were accepted at more places!

Amex is just terrible! Constantly wasting my time, constantly lying to me.
I have been a member for so many years and am so displeased with amex and their terrible support.

I have a credit amount they owe and have been trying to get it sent to my bank account or via check for weeks. I was told over the chat it would be sent then once that didn't work, told over the phone that they would send it via check in mail and they still haven't.
Amex straight out lies to me. Over and over. Hours for such a simple need that should not be an issue to begin with.

Imagine how many hours of my time they have wasted. I am so disappointed with them. I will not forgive them for this most obvious time wasting journey they dealt.

I need a simple process to be done which entails sending the credit amount to my account which they said they can do only after an hour later say only via check. Then they confirm after two more tedious hours I spent that I will be receiving a check via mail only to check my account next day to see if this check was processed and finding out it did not get processed like they said. Now I have to talk to the terrible amex support team all over again and hope they actually do what they say this time. Imagine the disrespect to loyal customers.

SHAME ON YOU AMEX.

This is a simple request and you rob me hours of my time and make the interaction so displeasing for a request not even an issue.

Fragmented, inept, and powerless customer service. Most support seems to be offshored now and have zero motivation to help you. Here's a good example. Trying to add my girlfriend as an authorized user. She lives in Mexico. No problem. I've added other international authorized users before with nothing more than an ID number without even having to upload any documentation. Not so fast. Apparently they now need documentation with the authorized user's name on a US-based address. Absurd and unrealistic. I was told this was a new change. Ok, fine. I should mention I only received this tidbit of information after two weeks of back-and-forth. Complete waste of time that left such a bad taste in my mouth I canceled my account of five years. Even the retention specialist was powerless to do anything, as they had no visibility into the new accounts process. Very obvious it is an entirely different company that has been contracted to process new accounts. If my time is worth so little to them, then their services are correspondingly worth little to me. Canceled. I've noticed a real plummet in overall customer service the past few years, but these past two weeks really showcased it. I'm out.

DISASTROUS SERVICE! DONT GET AMEX. BEEN A CUSTOMER SINCE 20 YEARS.

They don’t have their customer’s backs. They didn’t properly investigate a dispute. Only after I submitted the Information a THIRD time did they finally listen to me but then said it was “too late” to dispute (I had been trying to dispute for 2 months). Now they claim they can’t do anything to help me and want to charge me $650 to keep my card membership. They also lied (two different people) saying they can’t do anything to make it right. What a shame!!!! This used to be a respectable company.

Horrible customer service for platinum card members. Long wait times, and then ultimately speak with an associate that says “they can do nothing for you”. This is probably the 10th time I’ve called and they haven’t been able to help me with my request. So disappointed and will be cancelling closer to my renewal date.

I have been a customer for 20 years and now when you call customer care at 1800 528 4800 they force you to listen to their free promotion for medical device over and over and no way to bypass it to speak to a representative.
They are in a joint venture and receive a cut of the sale

Yesterday, my request to make a purchase on my American Express card was declined. I called the customer service number and for over 50 minutes, and after speaking with three customer service rep, my card continued to decline my purchase. Two days prior my current card was canceled due to a fraudulent transaction and I was assured that my current card would work - side note, using a canceled card has NEVER been my experience and while speaking with the three customer service reps yesterday, they said I could use my canceled card until my new card arrived.

I explained to the last rep that this experience is unacceptable and is a great training opportunity. I choose to believe that American Express will improve however if they do not, I will seek credit card opportunities elsewhere.

American Express is only good for its credit cards and savings accounts. Do not use them as your primary bank. Some places do not accept AMEX, so you will need a Visa or Mastercard.

Do not set up direct deposit of your paycheck to Savings or Checking. They do not start processing paychecks till AM 9:00 EST. It may appear then or later. There is no customer assistance messaging for savings accounts, only checking. I did not have to wait to talk to Savings Customer Assistance.

I had high hopes that American Express would be at the forefront of today's technology. They are behind the times, and customers are slowly losing interest in them.

Service definitely not for a platinum card is just a waste of time and money
Client service never will help you as they probably based in India somewhere
American express only for the name
Stay away from those guys

DO NOT APPLY TO AMEX COBALT!! THEY GIVE YOU WRONG INFO OVER THE PHONE. I just had the most frustrating costumer service experience in my entire life, they cannot solve anything even if you have just applied to the card. I was applying to use points for flight tickets and pretty much the card would be useless for that as they said they were unable to update my personal information

Horrible customer service.
Company fails to honor their promises and customer benefits.
Just cancelled my premium card after several issues over the last couple of years.
Save your money and choose another credit card!