Review and analysis of over 200 complaints against Amex
Amex consumers have reported over 200 official complaints related to Credit line increase/decrease. Out of the 200 consumer complaints against Amex, 32% were disputed by the consumer (i.e. the consumer was not happy with how Amex responded to their complaint) and 100% were processed in a timely manner. 4% of consumer complaints against Amex resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 9% resulted in non-monetary compensation.
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Amex Credit card credit line increase/decrease January 13, 2017 - I opened a credit card with American Express and they gave me a limit of $10000.00. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by $6000.00 and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are $4000.00 and $500.00. Then It turns out that they 've run my... |
Amex Credit card credit line increase/decrease January 3, 2017 - After - bounced payment in early - -, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on -/-/- by $1500.00. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. I then called the following day ( today ) to restore my credit. They said over the phone ( - # - ) that if I paid $2900.00, that my limit... |
Amex Credit card credit line increase/decrease December 23, 2016 - Extended credit of $ - addition credit of existing limit. Deny because of past bankruptcy in 2012. Requested AMerican Express Credit policy and I was denied. Only re-cause-is to ask CFFB to request Amex credit policy in my behalf and provided it to me. Therefore, I can you forward to me at - - - - - -, -, Florida --... |
Amex Credit card credit line increase/decrease December 21, 2016 - I received an email notification from American Express credit line determination department, stating that there had been a change to my credit limit. When I opened the email the information stated AME- had decided to lower my credit limit by $3000.00, from approximately $9000.00 to $6000.00, thus placing the card which already had a $6000.00 balance on it into a maxed-out credit card position. They advised me to call if I had questions, no explanation was given in that email. I called and spoke to the - different individuals, a regular representative, a credit line representative an... |
Amex Credit card credit line increase/decrease November 17, 2016 - American Express offered me an unsolicited line of credit of $35000.00 in the spring of -/-/- - their " Pay Over Time '' or " POT '' program -. In addition, in -/-/-, Amex sent a letter saying my interest rate for the first - months would be 0 %. I used approximately $20000.00 of the credit during the summer. In early -/-/-, several days before the due date for my upcoming payment, and having encouraged me to increase spending by using their interest-free credit, Amex complained that spending and balance were too high, demanded immediate payment, and said they wer... |
Amex Credit card credit line increase/decrease September 13, 2016 - American Express unexpectedly lowered my account limit from $10000.00 to $6200.00. When I called and requested further information, they stated that a periodic review had encouraged the decrease, due to my " balance-to-payment '' ratio. However, I believe this is a fair lending violation. I previously held an American Express credit card with my former-boyfriend ; he was the main account holder. Throughout his tenure as a card holder, his credit limit was never decreased, it was, in fact, increased, despite his high balance and minimal monthly payments. With his consent, I accessed his acc... |
Amex Credit card credit line increase/decrease August 15, 2016 - - - would like to have me go through a financial review, which they claim is a verification of an individual 's income to see if it can support provided credit limits, but the process is NOT a legitimate verification of income and is discriminatory since it is NOT consistent from one customer to another. The process is not a legitimate verification of income because they are only checking income reported on my - tax return. In my case, I received a raise in -, which in theory should support higher credit limits, but - - wo n't see that raise because they are trying to use l... |
Amex Credit card credit line increase/decrease July 6, 2016 - - transactions from the same retailer were pending and then voided by the retailer. The retailer never received the funds. Almost a week later, American Express still has the funds blocked and held. After numerous phone calls to their customer care team, and being transferred to at least 9 individuals, they said there is nothing they can do and to contact the merchant. After contacting the merchant, they confirmed they do not have the funds and have released the hold back to American Express.... |
Amex Credit card credit line increase/decrease April 24, 2016 - I applied for a credit line increase with AME- during - 2016. When they responded they did not give an exact reason why my credit was declined. I have contacted them several times by phone and in writing asking what specific reason my request was declined. They have never responded to any written letter ( - letters ). I have asked for the name and address of the credit bureau that was used in this credit making decision. They have never reported this information to myself as required my U S Laws. please ask them to respond to my letters and give me the name and address of the credit bure... |
Amex Credit card credit line increase/decrease April 10, 2016 - Since 2005 I approximate that I have had at least - different AME- cards. Those would be personal credit cards. I own - - so maybe another - or -? I know my husband has had at least -. -. I have had access to - AME- credit cards in the last 11 years. I was so grateful to have so many credit cards because those cards were what enabled me to juggled the finances of my - - and maintain financial sanity at home. So when I was trying to book some Delta flights for my son and a friend to fly to - for a scouting event, my husband to attend a family friend 's funeral a... |
Amex Credit card credit line increase/decrease March 19, 2016 - I was issued a credit card from Amex with a minimal credit line. When I was told what the credit line was, I immediately reached out to their new accounts department. After being transferred around several times and on hold for 90 minutes I finally reached " the right area '' here I was advised that I can have my line reconsidered once I get my card, with a soft pull of my credit report. I was only advised this after I stated I wanted to cancel the account if I ca n't be reconsidered for a higher line. When I called back two days later ( when I received my card ) I was told my account has to b... |
Amex Credit card credit line increase/decrease February 2, 2016 - - - - - - - - - -, -, - -/-/- American Express - - - -, - -, - - Dear American Express, RE : American Express - - Card - - - American Express - - - Card - - - I am member since - and enjoying membership benefit almost 12 years. But last 12 years I did n't get any credit line increase. If possible to consider my membership 12 years and grant Higher credit Lines - accounts. If need more information contact me on - - - - - Thanks. - - - ... |
Amex Credit card credit line increase/decrease January 29, 2016 - American Express arbitrarily lowered my credit limit from $11000.00 to -, only $190.00 above my current balance of $4300.00, effectively making the card unusable for future purchases, and based upon the next billing payment, would effectively force me to go over the credit limit. This not only affects current spending ability, but seriously lowers my credit score since debt to available credit is now a much higher percentage. Credit card companies should not be able to do this to hurt consumers. American express did this to me once before back in 2008 during the financial crisis. I ha... |
Amex Credit card credit line increase/decrease January 2, 2016 - I have used the card and paid it off multiple times and the company refuses to give me a respectable increase in limit. I was told that when i opened the account i could easily double my limit within 6 months which has not happened ... |
Amex Credit card credit line increase/decrease December 3, 2015 - I recently reached out to AME- customer service team on several occasions to request that the Pre-set limit be removed from my accounts ending in - & - and have received constant excuses and runarounds with no results. AME- has displayed and exhibited discriminatory practices when it relates to setting or removing Pre-Set Spending Limits on Charge Cards which would not normally have a Pre-set Spending Limit. For instance, when my Gold Premium account was originally opened -/-/- there was not pre-set limit upon approval and receiving the charge cards. However, when - of your teams... |
Amex Credit card credit line increase/decrease November 18, 2015 - I was paying my account on time and with no delinquencies. I was the victim of internet fraud and theft by deception. After American Express agreed to restore my credit limit, they reversed again ... |
Amex Credit card credit line increase/decrease October 28, 2015 - Today, -/-/15, I received an email from American Express indication that my credit line has been substantially reduced. I have never gone over my credit limit ; I have never paid late ; I have always paid more than the minimum amount due. I have written to them asking why my credit line was reduced as I have adhered to the agreement I have with American Express. ... |
Amex Credit card credit line increase/decrease October 26, 2015 - American Express has decreased my credit line - which in essence increases the minimum monthly amount due and may possibly cause other creditors to do the same. ... |
Amex Credit card credit line increase/decrease June 17, 2015 - I have an american express credit card. The limit is $5200.00. American Express allows me to go over my limit with out increasing the actual limit. I am aware of credit capacity and how this affects your credit score. I have asked American Express for a limit increase and I have not recieved any correspondence nor any adverse action notices. I have an American Express platinum card that is a charge card with no limit. My credit is good and I am forunate to have good income to support my debt load. I am sending this complaint because I believe this has impacted my credit score and capacity si... |
Amex Credit card credit line increase/decrease May 19, 2015 - I own a small company that has been using American Express credit cards to pay for court filing fees for our clients for over - years. My accountant received a call yesterday from Amex stating that they were reducing our limit from $280000.00 per month to $50000.00. I joined the call and spoke with several managers ( all recorded ) and was told the reduction would take place in - hours, that I could appeal but it would take - days after I compiled the information they require for them to make a decision, and that there was no other options. I asked if they had planned to notify us... |
Amex Credit card credit line increase/decrease May 16, 2015 - I have an american express card, a few days ago -/-/15 my husband lost his amex card when he was talking to a representive he told the employe he needed the card because he and i were going out of town because my uncle was dying in - fl. in a hospital, the employee advised him it we needed more credit due to an emergency to call, we were also previously told this months ago when we realized he was dying, now he is on his death bed to a day/- again we took the drive a week before payday, we called amex on the road and told although the could grant and emergency credit limit increase... |
Amex Credit card credit line increase/decrease April 28, 2015 - American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions. ... |
Amex Credit card credit line increase/decrease April 18, 2015 - American Express deceptively gave me a financial review even though originally they just did a credit line decrease on - of my accounts. They gave me the option to restore my Gold Delta Skymiles limit to where it was before and I called them up with some questions about how long the process would take. immediately after the call, they did a full financial review on me and suspended all of my accounts even after I had already sent them documentation about my finances for the Gold delta skymiles credit card. ... |