American Express Reviews 

Disgrace of a company. Avoid at all costs.
Fraudulent activity occurred of over 15K on my account and I wasn’t supported in anyway. All avenues exhausted as it took Amex weeks to get back to me losing vital evidence.
Wouldn’t even remove the Interest while I waited for an answer. AVOID as you will lose everything if it goes wrong.

Amex i have been customer for 20 years ,and all has been fine BUT can i bring to amex attention that sending emails and or letters ref refund ,can easily be thought to be from scams, Amex you need to look into this ,send a customer letter out blue asking for documents to be sent to them with customers personal info on them , in times where there are so many scamers about , you need to find safer way to do this ,because like me i though it was scamers letter ,but it was letter from Amex, i hope amex read this & understand. find safer way to contact customers.

I’ve been an American Express member since 2022 and have never had a late payment. Balances were consistently low and managed responsibly.
Almost two months ago, one of my Amex card limits was suddenly reduced from $9,000 to $1,000, and my Gold Card’s spending power was reduced from “No Preset Spending Limit” to just over $5,000. The only possible reason seems to be that, for one month, the Gold Card balance was around $8,000, which is not an unusually high amount for a premium card with a nearly $400 annual fee.
What makes this especially frustrating is that there was no history of missed payments or irresponsible usage. Having such severe reductions applied immediately after a single higher-than-usual balance felt unreasonable, disrespectful, and honestly like a scam. If the agreement had clearly disclosed that this is how Amex treats customers after one higher balance, I would never have signed up for the card in the first place.
The value proposition of paying a high annual fee for a premium card becomes questionable when the spending flexibility can be reduced so dramatically without warning. Paying hundreds of dollars per year for this kind of treatment and then ending up with a barely usable card feels like a complete rip-off.
I waited nearly two months hoping the situation would be reviewed and corrected, but nothing changed. Today, I cancelled both cards (with zero balance, of course). At this point, the products feel overpriced and the customer treatment has been terrible. There are far better alternatives available than this overpriced crap.

Here’s a professional but firm review you could post publicly:

I am extremely disappointed with the level of customer service I received from American Express during one of the most difficult periods of my life.

After being diagnosed with cancer, I expected a company with such a strong reputation to show at least some level of empathy, understanding, and support. Instead, my experience was cold, dismissive, and unnecessarily stressful. Simple requests for assistance and flexibility were handled poorly, with little compassion or consideration for my circumstances.

At a time when customers are facing serious health challenges, the human side of customer service matters more than ever. Unfortunately, American Express failed to demonstrate that in my case.

I have always believed premium brands should provide premium care — especially when customers are vulnerable — but this experience left me feeling ignored and deeply let down.
I sincerely hope American Express reviews how they handle customers dealing with critical illnesses and trains staff to approach these situations with greater sensitivity and compassion.

I've been an AMEX member for about a decade but finally cancelled my account yesterday. The customer service is inconsistent and disrespectful. Just dreadful. So long losers!

I am shocked. On an outstanding balance of £922.36 on a platimium card my partner was charged £193.76 interest in one month. Thats an interest rate of 21% in just 1 month - whats that over a year crazy. Unfortunately he will be stopping the card as this is beyond dodgy finance - how is this allowed!!!!!!!

Unfortunately there is no zero score or i would have given that. My son whilst at university made the mistake of running up a debt of aprox £1200 with this shower. He used to service the debt and to be completely honest he's no saint but he's learning! When i found out hed this debt as letters were arriving at our house i paid off the debt in full whne he was here with me and we had confirmation from AM that the accountg was closed, this was about Dec 25. Since then he has been recivibg monthly letters unknown to me that say he still owes £24 pounds in interest. Today i saw a letter saying that Am had termonsted his account. Plse advise those around you that this is completely outragous and how they treat people like my son.......lets not even discuss adherence to the FCA standards..!!

Bunch of amateurs. Absolutely unprofessional. To star the enail by bragging about high standards and admit that you made an error 6 months ago by offering a poke in the eye limit increase of £600 (six hundred) is nothing but utterly pathetic. Now you email me to say that you take it back.
How big of a prick you have to be to claw back on something so little. It’s like you are talking about 60k. Jesus, Trump has nothing to do with this but Amex UK must be run by someone drunk!

Worst company ever. A simple refund has already taken 4 months for me so far and its still under review, and guess what? No one give a good answer! Zero responsibility. There is no point using this card anymore. My friend refund exactly the same case in 24 hours with PayPal. Avoid Amex.

10 calls so far, a £11k refund due back to us, and they've had that money for 24 days, and apparently it takes another 10 working days "because that's their process". Even when I asked how I should pay my Wife's Amex bill when they already have the money, the response was "I can put you through to a different department". Told them I'm cancelling both accounts once the refund was paid, how long would it take....."10 days"
Customer for 15 years.....awful awful service.

Awful customer service - even for long term customers. They really doesn't care about keeping customers at all.

Blimey, i thought it was just me!!! seems i'm not alone! 30 years i've held a platinum card, 3 supplementary card holders and never once missed a full payment. It appears that counts for nothing, card now suspended as apparently however hard i try to jump through the hoops to prove who i (we) are (given how long we've held the card that seems nuts anyway), nothing seems enough, it is with the greatest of pleasure i won't have to pay my 650 quid this year and i can shake off this shower of ... for good!

Terrible service. I have had an American Express card for over 7 years. During this time I have always found customer services to be helpful and the card has mainly been used as a vehicle to get discounted BA flights. In March I had to cancel my DD as I had manually paid my bill and was at risk of paying it twice. I then set the direct debit back up (22 March) to ensure my regular full payment was taken in April. Despite doing this and also advising customer service at Amex I was charged £127 in interest. The payment was due on the 13 April. i called Amex on the 13th as no payment had been taken via my DD. I was advised to pay manually and despite this leaving my account on the 14th they have charged me this exorbitant amount. Yes I am fuming. I was then told that they have changed their terms and conditions so are no longer refunding interest! So many things to be angry about! Not taking out the DD (date changing every month), charging interest when a DD was in place. Changing T&Cs without telling the customers. How they charge interest when a DD is active and when a full payment has been made is a mystery to me. Have you spotted the extra scam! Yes the 13th was a bank holiday so they weren't operating and the banks were closed!!!! I spoke to a different customer service operator today and they are refunding the interest and the fee so happy days. They also confirmed that my DD is definitely active so in fairness I am updating the review to recognise this.

American Express platinum personal cards suddenly owed me £1,890.00 from a British Airways refund back to the card which has over 1 million points, with no notice whatsoever they suspended our main and sub card because my Mrs makes all the payments instead of me, I explained it’s normal for the Mrs to control the household and all finances. They still suspended the card saying I should make the payments after 30 years of platinum use and not her, but they forgot they told me it’s better to have and use the sub card! they then questioned my business relationship with my Mrs who is a financial director on our Ltd company. They won’t let me cancel the cards or transfer my money back to me while suspended, deadlocked. They did eventually transfer the million points from the suspended account? which they said they couldn’t do. Endless days and hours wasted on the phone, once I get the money back I’m done with this lot. 4 weeks suspension when I’ve never had one issue or debt in 30 years. I won’t deal with these type of people. They are done!

It just about does the job, but after too many frustrating experiences, I switched to a UK-based FinTech. The travel benefits are comparable, if not better, and the user experience for support and daily activities on the app is LIGHT YEARS ahead. I wish I’d done it sooner.

My experience now is a daily reminder of how far AMEX is lagging in digital services and UX. The cherry on top was that after closing my account, AMEX said the only way to get my credit refunded was to: 1) log into my account and upload a bank statement (which they know very well is inactive), 2) get my bank to send a letter on official letterhead, or 3) mail them a physical copy of my statement. Bonkers!

This process, clearly designed to discourage people from getting their refunds, was the final proof I needed to never look back. Good luck AMEX, you’ll need it.

I have just been reading Amex reviews. They are the worst reviews I have ever seen. No need for me to say how bad I think they are. It has all been said for me. I will not go into detail, as it will not make any difference. Lucky we have other cards.

Please refer to the title and look at the other feedback. I wish I had.

I was told amex was a good credit card to have with a good credit limit this is false my natwest credit card has a miles better limit iv been with them over a year with no offer of a increase and my credit rating is always going up

Gold Corporate and Platinum card user.

Once I've collected the cash back on my platinum card I will be closing the account.

Context:
- 6 months+ Amex are still unable to set up my Platinum direct debit. It is the same current account used to pay off the Gold Corporate card.
- After hours of back and forth all customer services can tell me is the process has changed, which is why they can no longer set up a direct debit. The new process is broken.
- I have had many hours wasted by Amex (including asking me to resubmit online as well as postal forms).
- Setting up a direct debit is bare minimum and should not be such a laborious user experience.
- Amex has been calling and texting me daily to set up my direct debit. I have asked Amex to stop as there is nothing I can do and I have stopped using the account, which has been ignored. It feels harassing.

Not sure where to start but to put it bluntly every time I paid a bit more towards my amex statement amex would reduce my credit limit as every time I would try to reduce the debt amount below 90%borrowing they would reduce and going through their charges are very high to put it mildly and financially they say they are there to help !!!!!!