American Express Reviews 

what a joke of a company to deal with as a merchant wanting to accept american express i was promised a decent rate, then out the blue they added a 50% increase on my rate? no notification nothing.. tried a numnber of times to contact them but they never anwser, lodged a complaint but may aswell spoke to a brick wall as would of got more sence from the wall! any shop thinking of accepting amex honestly dont bother it really isnt worth it, they will come back and spank you in the end...

Broken company that pretends to be a premium brand, totally agree with all the previous comments. Simply not up to speed with current banking and customer service offerings, with the added issue of less establishments excepting the card, and then the cheek to ask for a fee, REALLY !!

Absolutely carp . Don’t bother getting one

Absolutely terrible experience with American Express. I filed a dispute for a transaction because I never received the delivery, and despite providing the necessary information, they still declined my claim. This is extremely disappointing for a company that promotes itself as customer-focused and reliable.

What is the point of paying high fees and trusting a premium card if you are not protected when something goes wrong? I followed the correct process, waited patiently, and yet Amex chose to side with the merchant without ensuring I actually received what I paid for.

This has completely damaged my trust in American Express. I expected better investigation, better communication, and basic consumer protection. Instead, I was left with a financial loss and no real explanation.

I will seriously reconsider using American Express in the future and would warn others to think twice if they expect support when problems arise

This is the third issue of the same sort over the past couple of years. No reply to my email to the CEO or Managing Director, no responsibilty taken. Took extra money from my account when they were not supposed to.

Customer service, non existent. End product not as described either by email or on the website.

I have been a card holder since 1978 and a retailer for decades but recently a transaction was reversed.

As the retailer all the money was refunded to the client but AMEX still take their exorbitant percentage.

Other cards charge 0.35% They charge 1.9.

I NO longer take theitr card and urge other retailers to do the same.

I need to log in. Usually it's easy but this time amex wants me to verify my dob. But the date entry does not allow year changes. Unless I sit here for 2 hours scrolling through their calendar. Mad. Why can't they allow user entry by typing numbers. Not smart.

The worst experience ever only with American express credit cards where direct debits dont happen as easily as other banks. Its a waste of time talking to the customer care representatives who couldn't give proper justification rather than simply passing time giving some excuses. Had spent hours for useless processes and discussions.

0* if it were possible.
I made a transfer by mistake due to my dyslexia and immediately called the bank to have it reversed. I was assured everything would be sorted. Since then, I’ve made dozens of phone calls and had numerous chat conversations. Every time, I was told something different—either it would be done or it couldn’t be done. The last three times I spoke with managers, I was assured the issue would be solved as everything was done correctly, and that it would take another 10 days—but still nothing. It’s been two months now! Another call, another complaint, and I was even told it might not be noted. Terrible bank.

Amex used to be a premium brand with top level customer service. I had to dispute a charge for an amount I paid in dollars for an item that came faulty. Under £100.

It took 3 months, hours of complaints and a complaint to the ombudsman to resolve. Conflicting and flat out incorrect information given throughout.

The card is great until you have a problem. Will be closing my account after this statement.

Jeeee, I wasn't expecting such poor reviews here. Now it all makes sense... Anyway, one more won't hurt 😁

I have been on hold for 50 mins tonight. I gave up after that.
I am closing the account. Not worth my time.

American Express placed a CIFAS marker on my name without explanation and then made it impossible to contact them. Emails bounce, phone support won’t help, and the online form doesn’t work. I’ve had to go to the Financial Ombudsman because Amex refuses to engage. Very disappointing experience.

It does not matter how many passcodes I enter, they keep blocking my payments, so wondering what I want this card for. Talked to the Fraud dpt, they said everything was lifted, still nothing works - and then the rep on the line has no idea how to support, keeps repeating prefabricated answers that even contradict what I was told the day before.

Very disappointed with my application for an American Express card. Been turned down and can't be given a reason by the advisor. Have done a credit score and have perfect credit. I make +3 times more than the minimum annual earnings. Never misses a payments. Thinking you have to be a millionaire to be able to get a credit card with American Express.

Dreadful, heartless company with zero customer service. After changing the conditions of my account, with no warning, they wholly understand the impact of this by sending the police to check on whether or not I’d killed myself…..but they stick to their decision because they think that’s most important. Not their customer.

After almost 20 years using American Express, paying my debit charges every month in full without missing a payment.

I was very surprised to receive a letter on 27 Dec 2025, stating, 'We may increase your personal Rate if this review indicates a change in your circumstances, which may indicate an increase in the risk that you might not be able to repay us. Following a recent review, your Personal Rate will be increased.'

I contacted the customer service department on 3 January 2026 to inform them I was somewhat surprised and disappointed to receive such a tersely worded letter and would like to speak with a member of the management within 7 days to discuss further.

This timescale elapsed, so I called again and yet again, for a third time, to highlight my request, but received no satisfactory outcome.

Today, 19 Jan, with still no acknowledgement or explanation as to their letter, I have decided to highlight the experience to a wider audience.

As a result, I am contemplating any further action, but feel, without doubt, over my time as a customer with American Express, any former customer service there was has withered to almost none.

Considering the fee you pay for yearly. I have to say Amex customer service if the worst out of all the banks and ive had accounts with most of them. Definitely not the service you expect from a premium card and seems to get worse every year. I habe been with Amex for several years and i am really thinking this will be my last.

Dear Executive Customer Relations Team,

I am escalating a formal complaint concerning incorrect advice provided by British Airways Executive Club staff, which has left my family with unusable outbound Avios flights and no viable return journey from Mexico.

In summary:
• We booked five outbound Avios flights based entirely on advice from your booking team
• We were incorrectly advised that business class was achievable with our Avios balance
• We were then explicitly told that securing five economy return flights from Cancún would be straightforward
• Critically, we were given incorrect booking dates under the 355-day rule
• As a direct result, we missed the release of return flights for 3 January and availability was lost

We are now unable to proceed with the trip as booked, yet are being told cancellation of the outbound flights will incur a £35 per ticket fee, despite the booking being made in reliance on incorrect information supplied by your staff.

This trip was carefully planned around school holidays for a family of five. The current position has caused significant distress and places us in financial and practical limbo through no fault of our own.

I am requesting executive intervention to:
1. Waive all cancellation fees immediately
2. Assist in securing five return reward seats on or around our intended return date, including manual intervention if appropriate
3. Provide a fair goodwill resolution if this cannot be achieved

I am a long-standing, high-spend Executive Club member, and the handling of this matter falls well below the standard reasonably expected.

I would appreciate urgent review and written confirmation of next steps.

What fraud protection? Last year, my husband and I noticed multiple suspicious transactions from a US-based vendor being taken from our account. On several occasions, we queried these charges and were repeatedly told that because the payments were made via Apple Pay, they were considered valid and therefore not eligible for a refund.

After carrying out my own investigation, I discovered that I was not the only victim and that this vendor had been reported by others for fraudulent activity. I escalated this information to you and provided screenshots and additional evidence clearly indicating fraud. Despite this, my claim was dismissed and a refund was still refused.

As a result, we have lost nearly £300. This loss is directly due to your fraud team’s failure to properly investigate and act on clear evidence of fraudulent transactions — which is the VERY purpose of a fraud protection service.