American Express Reviews 

I would give a minus if I could!

I am extremely disappointed with American Express and the way they have handled my Section 75 claim.

I initially raised a Section 75 dispute regarding a faulty car that I purchased using my American Express credit card. To make matters worse, I had actually submitted the claim a month earlier, but American Express completely ignored it. I was forced to make a formal complaint before they finally opened the case.

Nearly six months passed with no update. During that time, I repeatedly contacted American Express requesting updates, but my enquiries were largely ignored and the claim appeared to go nowhere.

As a result, I escalated my complaint to the Financial Ombudsman Service, which upheld my complaint against American Express. Rather than accepting the outcome, American Express chose to challenge the Ombudsman's decision. Ina nutshell the ombudsman held it was an unreasonable long time to just sit on a S75 claim due to staff shortage. No investigation at all for near 6 months!

Remarkably, only days after the Ombudsman's verdict, American Express finally investigated the Section 75 claim. Unsurprisingly, they rejected it. In my view, they failed to properly consider the evidence I provided and reached their decision without giving fair weight to the facts of the case.

I have been an American Express customer for many years, and this is the first time I have ever needed to make a Section 75 claim. The experience has been frustrating, time-consuming, and extremely disappointing. I now have to return to the Financial Ombudsman to continue pursuing the matter.

Based on my experience, I cannot recommend American Express. Once this issue is finally resolved, I intend to close my account. Their handling of both the complaint and the Section 75 claim has been wholly unacceptable.

trying to change password but at 88 poor on technology and customer service did not help

Wow, AMEX are rapidly becoming the worst financial service provider we have ever dealt with. Shame that they were so good for the first 20 years that we were customers, now things have gone totally pear-shaped for them, and we are left to deal with a bunch of retarded incapable lazy unhelpful idiots. Have had a card for years, always been useful, now we suddenly get some random request asking me to prove that I am who I really am, that I own the company I have always owned, and that i still live at the same house I have lived at for 25years. Clearly they are worried that i have suddenly become a drug dealer, an arms dealer, a best mate of Putin, or maybe a terrorist. Nobody picks up the phone to ask for clarification on any unclear items, they simply send another email, and a form which would be easy to understand if I was a corporate lawyer and not simply the owner of a small business. In the meantime of course, my card is frozen and all my subscriptions, regular payments, hotel bookings and other stuff are going haywire. What a ridiculous fiasco

My card got defrauded a couple of months ago and Amex let through three charges before alerting me to potential fraud. I told them the charges were fraudulent and they took them off my statement and sent me a new card. Two months later, they reinstated one of the charges without any explanation and I was promised call backs from the specialist team for two weeks, eventually somebody from customer services tried to put me through directly but was told I was never promised a call back and that they would not discuss this reinstated fraudulent charge with me. I am very disappointed with how all of this has been handled, awaiting the outcome of a formal complaint but it looks like I will have to go to the financial ombudsman over their handling of my case. Previously, Amex customer services were great but it appears this is no longer true.

Good Card to destroy credit history,
Manipulating information to give you with ruthless behaviour.

Rubbish help centre

Every time I log in, AMEX requires 2 factor authentication on iphone despite face ID. I cannot commuicate with technical other than chat. People in chat are helpful but they act as ineffective post box. Finally they confirmed that my account is now higher security and closed it without fixing the problem. Now they opened a new incident which will no doubt take forever, if ever resolved. They used to be known for good customer service but sadkly no longer.

Terrible customer service. But they get away with it because people want the points. The way they lay out your transactions is not clear. Live chat gives you 1 minute to reply then they cut you off, so you don't have a chance to look at anything. Barclaycard have outstanding customer service compared to this. But hey ho, have to be treated terribly for the points!

It's such a "meh" service, I really don't understand the hype. I signed up for the Gold Card which

Good:
Signup bonus if you are patient are very good. These can be exchanged instantly for airline partner rewards. Decent online and app interface and it's fairly easy to get in touch with someone on chat to sort things out.

Bad:
- Still surprised at the number of places that do not accept AMEX - likely due to the punishing merchant fees. So every small independent business you will need a backup card.

- The rate you can build points is just too low for the fees. £1=1 point is very low but what makes it worse is that it's rounded down on each transaction. Let's say you have 3 transactions of: £1.50, £1.75, £1.75 = £5. Instead of receiving 5 points you have only earned 3. Over the course of the months / years that's thousands of points you are missing out on.

- Amex travel: Still sucks, unless you are a complete convert it's always cheaper / easier elsewhere.

If you're planning to get the signup bonus every couple of years and cancel it's not bad. But there are much better points cards out there to choose from.

American Express notified credit reference agencies after 6 days of late payment, after final payment date,
They never registered a late payment to my account,
Rang customer service twice,
No help whatsoever,
I have escalated a complaint with them, it was my mistake. I was late and cleared the full balance.
Under OFT CREDIT CARD COMPANIES I'ARE NOT ALLOWED TO REGISTER A LATE PAYMENT UNDER 30 DAYS.,
I feel this is totally unfair,
As I have never been late on a payment and always paid before the statement., my advice would be to stay clear of this company, because if you make a mistake. You will pay severely with your credit history.
Mine went from excellent to fair,
If they do not resolve the unjust situation, shall put in a complaint with OFT,

Awful company , we have a solid established profitable business and I as a director have an excellent credit rating.
Amex Cold called my business to encourage us to spend on the card so we could collect points , the algorithm that they use keep decling payments with suppliers , taking our limit for
Unlimited one month to a few thousand the next .
We have cancelled the card as Amex is an unreliable provider of credit services which is disruptive when running a business .
I would not recommend this company.

Extremely disappointed with Amex promotion at Silverstone F1
I am an existing Amex customer and was extremely disappointed with my recent experience at the Silverstone F1 event.
Amex had a promotion in the merchandise shop encouraging customers to use their Amex card, stating that if you spent £75 you would receive £15 off. Based on this offer, we chose to make our purchase using Amex. However, the discount did not apply at checkout.
The staff in the shop advised us to contact Amex directly and assured us that the £15 would be added back onto our account. After messaging Amex, I was simply told that they could not help and the promotion would not be honoured.
This feels extremely misleading. Customers are encouraged to use their Amex cards based on advertised benefits, only to be told afterwards that nothing can be done. As a loyal Amex user, I expected much better customer service and for Amex to stand behind the promotions they advertise.
Very disappointing experience — at this point the offer feels less like a benefit and more like a marketing trap.

Absolutely not right credit card to have it

The worse customer service ever! I will be moving all my credit usage elsewhere once issues are resolved with them. They will not be having my business! Their financial "team" is a joke, requesting documents and everything when it can't even be submitted bc the link they sent doesn't even work. You get the runaround for days as no one else can help but that "review team" that's unavailable most times! They also cannot ready nor understand their own dates and deadlines they give you. Make sure to ask for everything in writing when dealing with them bc the email they sent was my evidence when speaking and calling them out. Otherwise they said they're closing my account even though it's their fault! TRASH COMPANY

Quite urprised by the low rating score for Amex on Trustpilot - as American Express UK have always been really good as far as I can concerned.

Whenever I have had an issue (Ebay seller selling me fake product, Ubereats overcharging me) - Amex have always responded quickly and efficiently on disputes I have raised.

Yes, it is sometimes frustrating that some vendors do not accept Amex - but that is not Amex's fault at the end of the day.

I have had an Amex card for more than 15 years - and will continue to be a customer based on the experiences I have always had.

Super inflexible way of doing business. Will cite terms and conditions at every opportunity.

Worst credit card company.Terrible customer service and they rob you of your hard earned money. When you have an issue and make a complaint they never resolve it.

Unhelpful, Unsympathetic and put a 6 year default on my credit file despite me regularly calling and explaining my situation of losing my business after the pandemic (the debt on the card was mainly business debt that unfortunately was in my name rather than the company). On top of that I was in a financially abusive relationship and trying to sell a house that wouldn't sell while renting another. I begged them to stop charging me interest as it was making the problem much worse. They said no. I assured them that I would pay my balance in full (which I did) a couple of months later when my house sold, but they still went ahead with the default only a couple of months before I repaid the card in full. I complained to the financial ombudsman . They flatly said no to the ombudsman and the ombudsman couldn't do anything to help even though they agreed with me that there should have been some leniency. Now I have paid off my debts, I'm out of the awful situation, yet have 6 years of bad credit to look forward to thanks to Amex!

Its difficult , I tried to made payment, I lost my phone and card that why I am locked out of all the access despite notifying them , I have now a missed payment, in the digital era they need document posted uff so tired..

Disgraceful. Credit limit reduced from 8,500 to 1400 in one go, despite me paying in full every month for the last 4 years. To top it off, they then sent me emails within hours 'warning' me about breaking the credit limit, despite being over 200 from it. Absolutely disgraceful company