American Express Global Reviews 

I've been with Amex for 10 years. Always in good standing. I opened a new business which is also in good standing and my cards were suspended as they stated they needed a financial review. My business bank accounts are connected directly with the Amex site which means they can see my funds in real time. I had to use personal credit cards to conduct business which has dropped my credit score significantly. They told me they'd review my bank statements I sent despite them already having access to this information and that it would be completed in 15 minutes to 4 hours. I've yet to hear from them and I keep getting passed around to different customer care reps who aren't helping me. I thought Amex was the standard when it came to doing business. I was wrong. I'm not sure what's going on with Amex, but they need to replace the decision makers with logical thinkers. I've never gone through this in the past with them. If I don't hear back from them by tomorrow or this happens again, I'll be closing all of my accounts with them. I'm very displeased with their behavior. It's uwarranted.

They sell and promote cards at professional meeting with knowledge that you only use your SS number as IRS number then after charge change the requirements to TIN only. They keep the charge but the card cannot be used. Fraudulent.

I am an Amex Gold cardholder in Turkey (Garanti BBVA - BIN: 372653). The local bank explicitly informed me that due to a 'special agreement' with Amex Global, the Amex Gold card in Turkey is sold with ZERO Travel Insurance, ZERO Baggage Protection, and ZERO Purchase Protection. It is sold completely stripped of all global Amex security standards. I am paying a premium fee for a shell product. I need Amex Global to contact me directly to confirm if they authorize the Amex Gold name to be used without its core global benefits.

I applied to a promotion for an American Express credit card with a frequent flyer mile extra bonus mileage offer and did not receive it. American Express is claiming that I applied to a different offer but its Executive Office would not provide proof of it after I wrote it a complaint and the Executive Office rep even admitted that the offer I stated that I applied to was still a valid offer and that there was the possibility that I hit a 'backpage' arrow key on my computer or smart phone which could have brought me to a previous page which would have null and voided the promotion and if continued placed me into a new promotion without advising me that I am now continuing the application under a new promotion. Sounds very unethical and questionable as it relates to the legality of such practices.

A Platinum and Gold Business cardholder's honest warning. Do your research before you commit.

I held both a Platinum personal card and a Gold Business card with American Express. I believed I was banking with a premium provider. I was wrong. What I experienced over an extended period was systematic maladministration, a complaints process designed to exhaust rather than resolve, and a company far more interested in collecting your fees than treating you fairly.

Where do I start? When I raised legitimate complaints, multiple, across separate matters, I was met with templated responses that barely acknowledged the substance of what I'd raised. Copy-and-paste paragraphs dressed up as personalised replies. The same generic language recycled across different correspondence, often failing to address the specific points I had put to them. It felt like nobody had actually read what I'd written. They hadn't engaged with the detail. They'd just run through a script and hit send.

When I challenged those responses, the delays began. Outcomes that should have been delivered within reasonable timeframes simply weren't. Weeks would pass. Chase after chase. You're left in limbo, with no update, no explanation, and no accountability. Yet throughout all of this, the silence, the stalling, the failure to resolve, they were perfectly happy to continue taking monthly and annual fees from my account without hesitation. The irony isn't lost on me.

What made things worse was that during live complaint matters, American Express took the decision to reduce my credit limits. Not before. Not after resolution. During. Whether intentional or not, the message that sends to a customer mid-dispute is unmistakable: we hold the power here, and we'll use it. For a company that markets itself on trust, service, and prestige, that behaviour is the opposite of everything they claim to stand for.

The overall complaints handling felt like a process built to wear you down. Delay long enough, respond vaguely enough, and most people will give up. That seems to be the strategy. Genuine engagement with the issues? Accountability for errors? A fair and transparent process? I saw none of it. What I saw was an organisation that closes ranks, deflects responsibility, and relies on its brand reputation to avoid scrutiny.

And here's the part that frustrates me most: had I done my homework before signing up, I would have seen that American Express holds a Trustpilot rating of 1.3 out of 5. Let that sink in. 1.3. That isn't a blip. That isn't a handful of disgruntled customers. That is a pattern, a sustained, documented pattern of dissatisfaction from people who have experienced exactly what I have. Maladministration. Poor communication. Dismissive complaint handling. A refusal to take ownership.

I'm not someone who leaves reviews lightly. I gave Amex every opportunity to resolve things properly. I followed their processes. I escalated where appropriate. I was patient, professional, and clear in every piece of correspondence. And still, the outcome was the same: delay, deflect, and diminish.

If you are considering American Express, particularly their premium products, I'd urge you to look beyond the marketing. The lounge access, the concierge service, the prestige branding, none of it matters when the company behind it treats you as an inconvenience the moment you raise a legitimate concern. Premium fees should come with premium service. What I received was anything but.

I wouldn't recommend American Express to anyone based on my experience, and I say that as someone who genuinely wanted the relationship to work. It didn't, and the fault lies squarely with how they operate when things go wrong.

Do your research. Check the reviews. I wish I had.

Had an issue while creating an account, called their customer service and was very happy with the prompt help provided. Was spoken to with kindness and Gaurav went above and beyond to help me - thank you! :)

I’ve been an American Express customer for 14 years with a flawless payment history—never a late payment, ever. I recently paid off my balance in full and then used the card to cover part of a government-sponsored relocation.

In the middle of that move—when access to credit actually matters—Amex cut my credit limit in half. No warning. No proactive communication. I only found out when my card was declined.

That alone is unacceptable. But it gets worse.

After being bounced between multiple customer service reps, I was given a vague, scripted explanation and then told that if I paid $2,000 by April, they might reinstate my original limit. So let me get this straight: you reduce my available credit without notice, negatively impact my credit utilization (and therefore my credit score), and then expect me to jump through hoops to “earn back” what I already had?

The customer service experience was just as bad as the decision itself. No accountability, no clarity—just the usual “I’m sorry you feel that way” non-response after wasting my time being transferred around.

This isn’t just poor service—it’s a complete breakdown of trust. After 14 years of loyalty, this is how customers are treated?

I will not be using this card again.

I have had an Amex card for decades. Customer service used to be amazing. Unfortunately, over the past few years, customer service has declined. Not that different than many other businesses now - mostly just chasing the money. Sad.

Multiple less than desirable experiences. Most responses are AI driven or from representatives who have limited English language, lack of experience or resources available.

We had a horrible experience with American Express. We’ve had the card for over 20 years and their autopay is horrible. I don’t know how that gets messed up, seems pretty easy to me. They also somehow linked someone else’s bank account to my account. Yikes!

Amex’s service is unacceptable. They suspended my account without any valid justification, and then, in an almost petty move, closed the installment plan as if that would pressure me into paying the full balance on their preferred timeline. This kind of conduct is both unreasonable and unprofessional.

I was loyal to Amex for years. I had over 40K delta skymiles points. They recently tried to double charge me for my membership. I lost my old card and they told me that they could not send me a new one because I had reported mine stolen too many times. This never happened. I had never reported my card stolen. They then opened me a new account and even though I had just paid my membership fees i January, they tried to charge me again in March. I cancelled my card at that point what else was there for me to do?

No support after buying a defective product, no insurance, nothing.

For some unknown
Reason they cancelled my direct debit. It had NEVER failed to settle the account. I tried to contact them but gone are the days of speaking to people in Brighton. The call handlers are now lovely but utterly useless. As a result ive got a massive interest charge. We have always cleared our balance 100% of the time. They seem unable
To correct it. Pathetic

The worst bank ever done business with, disrespectful employees, awful customer service. I closed my 3 accounts with American Express. They stole my money, and then say sorry for the inconvenience!!

A former spouse front loads on AM EX Bad company.

Bait and switch. Got the delta premium card. Excellent credit. Was supposed to be spend $8k, get 100 k skymiles. App had a tracker that said progress towards 8k spend. All the sudden, tracker disappears. I call them, they say I never signed up for that deal and I signed up for spend 3 k, get 60k miles. After complaining and arguing for a month I called them and cancelled. I spent the 8 k in the first month and paid it off. They said I wouldn't lost my miles if I cancelled the card and I did. Totally screwed me.

HORRIBLE!!! RUN!!! DON'T EVER GET A CARD FROM THIS BUSINESS!! I PURCHASED A $150 GIFT CARD FROM THEIR WEBSITE MARCH 20, 2026! THEY PUT MY CARD ON HOLD AND SAID THEY'RE MAILING ME A PAPER CHECK! THEY SAID WITHIN 3 WEEKS AND THAT'S AND IT'S PART OF THEIR POLICY ON THEIR WEBSITE FOR EGIFTCARDS!! I'VE SEARCHED FOR THIS INFORMATION AND AT THIS TIME, I CANNOT FIND IT! I'VE SAVED THE CURRENT INFORMATION! VERY DISAPPOINTED!

Very poor experience. Needed to know my virtual card number to marry up transactions between my physical and virtual card. Despite website providing an FAQ for this, they advised it's not a service they can provide. When I explained that I had been using their website for an hour trying to get this info, they couldn't care less. I advised that I'd just have to accept my loss (as i wanted to check details with a merchant using virtual car number), they closed the chat.

As a complaint manager in financial service, this should've been escalated as a complaint in line with FCA and FOS requirements.

As it's want a great amount, I just left it - but I shouldn't have had to,