Amex Credit Card Complaint

Amex Credit card department,

Billing statement Florida

Hello, i have been a long time american express customer with - cardholders on my american express account. A couple of years ago american express began automatically placing chargers over a specific amount ( I believe it was any transaction over $150.00 ) into a pay over time category which is not payable in full at the end of the month and accrues interest of approximately 16 %. Initially we did not know transactions were not automatically moved to this category so there were transactions for both card holders included in this pay over time balance which accrued interest and grew over time. on several occaisions i have contact american express to provide the pay over time balance and accrued interest balance disaggregetaed for each card holder. american express has been unable to provide this information to me. Having this information is imperative for card holders especially since the pay over time election is made my american express ( i asked american express to remove this function however pay over time chargers recur on my account from time to time ) and the fact that interest accrues on this balance. i will say that the reporting on the pay over time balance has improved over the years ( a couple of years ago it was almost impossible to determine the entire pay over time balance, now this information is available in summary form ) however the data available to cardholders is insufficient to properly track charges and manage monthly payments.