American Express — Local services in New York

All Our Amex Business cards are NO longer trusted. Amex cancelled ALL our transactions across all of our businesses, employees for 10 Days. None of our payments for any Amex cards were ever late before, during or after this problem. We had an early scheduled payment that fired from our old bank account at Bank of America. Although payment went through intime before its due date (not late) – we suffered 10 dyas of loos of business and endless hours on the phone with Amex, plus redoing all the payments . We tried several times to pay Amex card in full immediately at the root of the problem from a different bank, but Amex would block that payment with an error that we do not own such balance, thus this payment cant be made. ..That was because original auto-pay transaction was holding the balance from original bank for the 10 - 13 dyas Amex said it does that. In the mean time of these 10 days we were watching how all our vital business transactions were being decliened and returned daily. None of our employees could buy materials to do business. Rather needed payments for insurance, or air travel - all was canceling. We are outstanding established Amex client from 2012. Amex Customer support is now in Pakistan or some place in Acia. That Asian representative told us the only way he can lift the AMEX restrictions if we can on a 3 way line to our Bank of America. We called business on our business account and he had to hear how much money we really have in our Bank of America account! PLUS Abdul and other Asian and American reps (we can actually request American) all had to hear all the other personal verification questions we had to give to BOA! Those reps as people could just quit working for Amex and drain our business account straight from Pakistan as now they know all the passwd secret questions , SSN etc. Amex supervisor later explains that they can see that anyway in Amex system for Amex. All that to have Amex verify we are still a good customer for Amex. After Abdul and colleges hear the amount, they said they lifted the restriction. The next day Amex system locked all of our accounts again and next array of payments failed! The supervisor Holly on American team hanged up on me because she lacked to understand the problem and made matters worse. That caused us another day to get to a next American team supervisor, Laquita was it? Supervisor Laquite was also clueless of recognizing the problem and kept talking my ear off aka I don’t understand Amex locked my accounts, repeating herself like a broken record. Basically there was no solution to pay any other way - we had to wait for Amex system to release the payment transaction lock for 10Days!!! Supervisors were useless to say the least. Had to call daily. Not the Amex we know. Our other Businesses and those cards that didn’t have an early locked payment - YET all our employee cards etc. for those other businesses were still blocked - Amex explained that is because we run several small businesses under same owner. Owner didn’t do anything wrong and was not late with payments, didn’t do anything that was outside the policy. Our Amex cards are now useless to us and may only be good at an ice-cream shop if that won’t be an embracement have it decline in the long line of people waiting. Amex Points, statuses do not worth the loss of business to us! Thank you, Amex for valuing your business clients and their business! We were promised a manager of supervisor will rush to call us back withing a week- we never got that call. I don’t even what their Black card anymore as I don’t know who running the show anymore ....

I am the Whistleblower to Congress why credit card debt is at an all time high, according to news. I share my papers, screengrabs etc.

Update- 12 25 2024- I continue to update my Google review TIP on whistleblowing "AXP" (short name) American Express to the SEC, FINRA and Law Enforcement including the DOJ Department of Congress. I update Legislators, too. I brought to Congress the consumers experience with my documents and online complaints of American Express customers victimized by "AXP" (short name), too. "AXP" (short name) CEO Stephen Squeri has yet to stop their faked demand for alleged interest. I repeat to "AXP" (short name) et al often- one is an event, two or more is a pattern. Even more is serial. At least the daily phone calls are stopped. This will too

I was an American Express client since 2013. I got the card for one reason only, I was traveling to the UK. I was told American Express is better to have as a card over there. Since? I kept the American Express card as a backup card. Long story short- I needed to use the backup card on a Walmart charge. Yes, I am and love being a Walmart shopper. I went to use a new account to pay the American Express Walmart charge from. I needed assistance to link the new bank to my American Express card so I called American Express. The Customer Service person helped me. I gave her the info for my new bank. SHE ASKED about the bank info she said was on file. I told her that account was removed from America Express before- twice. I get an email from American Express the payment failed to go through. I learned the Customer Service person requested payment from the account American Express stated was removed from American Express TWICE before that day. What I learned days later was the Customer Service Rep WITH INTENT sent the payment request to the account I requested deleted. This set in to play interest charges, 3 bounced check fees & frustration in that the intentional problem was with American Express to build up interest on a payment that was never in dispute. What was and is in dispute was the American Express reps actions from day 1. If anything, from day 1, American Express has been on an intentional fraud to bump up interest, of Congressional interest. BUT American Express dragged in TSI who operates from India on multiple names alleging a PA adress. TSI gives email adresses that bounces back emails. TSI falsely claims follow up calls made. Really strange was finding this BBB TSI page & reading TSI did to me what they do to others- fake calls dialed out then hanging up to their gain of bumping up interest owed. Total fraud. Total scam. Will be notifying SEC & DOJ. I paid the $119.17 then learned how TSI & American Express harm nice people with interest & bad credit report

I see I am not alone in my experiences. What I am is a requested Whistleblower by the SEC Employees. This will be heard. One is an event. More than one is a pattern.

What I am reading here on Google Reviews and...

I am writing to you to notify of the terrible experience I have had with Amex since opening my card.

I’m my quest to become debt free. I opened a Amex card that was linked to my personal bank. When I opened my card I didn’t receive a card for a month. I notified customer service on three separate occasions. They assured me the card would come but it never did. I then had to reach out to the corporate office who had to micromanage/baby walk the customer service through the card issuing process.

Now I am sitting at a rental car facility. Where my card was declined. I got no call, email or notification from Amex. So I call in to find out the issue. I reach some woman in (New Delhi). She didn’t understand a word I was saying and when I asked for a manager, She refused. I then asked to speak with someone in the states, She refused. The started to talk to me as though I was a child and hung up.

I call back and reach a guy in (New Delhi) who then also refused to allow me to speak to a manager. He then forced me to stay on the phone while he called my bank (which I couldn’t validate was really a member of my bank). He proceeded to tell me I had no choice but to validate my account. While he was on the phone giving him access to my pin, security code, balance, address and account number. The bank representative (that the Amex Rep contact) was uncomfortable doing that and advised me not to. The Amex representative got upset like a child and hung up on the bank representative. I do business with this bank regularly and thus now effecting my relationship with said bank. Then I asked for a manager and the Amex representative refused. He then put me on hold. After fifteen minutes came back on the line I asked for a representative in the states and he again refused. After waiting on hold for thirty minutes. The representative from Amex then hung up and block/ suspended my cards out of retaliation. Mean while I am still here at the rental facility three hours later. This is the most outrageous customer experience I have ever been involved in. I have violated no policy. The Amex representative clearly was being dishonest to the point my bank advised me “not” to give them my information. When I didn’t comply with their attempt to access my personal account they retaliated.

You sell the product in the states, Your clients are in the states, the address to mail a letter for resolution is in the states. But when we need to resolve any issues we have to talk to someone in (New Delhi) This is disgraceful. After four hours I finally reach someone in the states who told me to “Write a letter of complaint” to an address in Georgia. Thats is the only way to...