Amex Credit Card Complaint

Amex Credit card department,

Payoff process California

I went to pay my Amex. It showed I only owed a small amount. However the amount of the bill was over -. I paid the total which over -. I then went and looked at the upcoming closing bill, and realized there were over - in credits on the bill that yet to close. I immediately realized it was applying the credits to the already closed bill. I went in and hit " cancel payment ' for the -. And then paid the minimum of - some odd dollars. The reason being is that if I had not done that, Amex system will automatically take that overage of - and apply to s pay over time portion of my card, shock I did NOT want or authorize. The cancel showed in the screen with - pending processing. This was within 20 minutes of the initial transaction. I then receive - emails hours later saying - PAYMENTS were processed. This is unacceptable for -. I then decided to wait a few days to let the next statement close


as well system errors. I asked for a supervisor ( and had to fight to get - ). A supervisor came on and edit idly told me the same. I pointed out it was obvious what I had done as why would I pay - and then -.? She argued but in the end found a way to put a - charge from my current stating to the pay over time to help even things out. I accepted this as a temporary measure. But am not satisfied as now that sticks with interest and - higher balance on the pay over time portion. This is unethical and should be illegal for a card network to force you to allow their erroneous payment system to make decisions for me as a consumer. This is my money and I did NOT AUTHORIZE the application of funds to the pay over time, and the Amex 'cancel ' payment option did not work. ( Even though it showed as cancelled and then disappeared ). This is an injustice and I was n't treated well during the process. The Amex system has issues, thus happened in the past and the - was x led to reapply the funds and were apologetic. I feel swindled and find this on the verge of being illegal. I am losing money by the - charge being put into the pay over time. I had planned to use the credits within the bill they appeared in as this keeps my expense tracking ckean, and should be my prerogative. I am greatly angry at the unethical practice of Amex and refusal to address glitches in your system.