Amex Credit Card Complaint

Amex Credit card department,

Other fee California

American Express engaged in billing practices that were unfair and unpredictable, and resulted in wrongful interest charges of $560.00 on my account since -/-/- I attempted to contact American Express about these matters on several occasions, and was told that I would receive a call back from a supervisor in the credit department, but to date I have not. I use the charge type breakdown tool on American Express 's website to pay my credit card charges in an itemized fashion for easy track-back for accounting purposes later. Apparently I made a miscalculation when paying my -/-/- credit card bill, and fell short of the total amount due by $74.00. But the interest charge that American Express charged me was calculated against the entire statement 's balance, not only the portion left over after I paid the rest of the bill. Given the amount of the unpaid portion of the bill, the amount of interest charged was well in excess of the stated APR, and indeed, in excess of the legal limit for most transactions in the -. On the -/-/- bill, AME- showed a balance of - as of -/-/-, and payments had been received in the amount of


). When I contacted AME- to request that the interest charge be corrected or reversed, I was told that I had forfeited '' the interest waiver '' by failing to pay the entire month 's amount due in full, so interest would be charged against the entire month - not just the unpaid portion. I was also told that I would henceforth be charged interest on ALL monthly statements. In light of this experience, I have tried to ensure that I pay down each itemized portion of my bill in full - again, using the category-by-category tool provided by AME-. I have multiple categories to pay down, including transportation, office supplies, meals, etc., and after attempting to submit multiple payments - - per category - on my -/-/- bill, I received an error message from the website, telling me that I could only submit - payments per day. This was unknown to me at the time, and I am still unaware of where this policy is written on the AME- website. It also seems unintuitive because the category-by-category tool has more than - categories ; I ca n't believe I am the only person who has attempted to divide payments by category. I called AME- because I was attempting to pay down my bill on the day it was due, so if I had to pay the rest of the bill the following day, I would end up late again and I was afraid of receiving an interest charge based on the entire month 's bill, not only the unpaid portion. He reiterated the --per-day policy ( I have yet to see this in writing ), and offered to get AME- 's credit department on the phone to help me put through payments in advance of the - - Mountain Time payment cutoff time. Moments later he said that because -/-/- - the bill due date - was a Sunday, the credit office was closed. I would be unable to submit the rest of my payments, but someone would contact me to take the rest of the payments and reverse any interest charges that were applied in light of my inability to submit the rest of the payments ( especially if that interest rate was based on the full month 's bill ). Unfortunately, no one has contacted me to date. ( Finally : AME- 's - - - cutoff for payments is a source of great confusion, even for a customer that has been a customer for over a decade. It was described to me for the - time by a phone agent last fall. This confusion resulted in some interest charges that I am requesting to be refunded under this complaint. )