Amex Negative Reviews

Amex App Complaints & User Negative Comments 2024

Amex app received 27 complaints, negative comments and reviews by users. Have you ever had a bad experience using Amex? Can you share your negative thoughts about amex?

Amex for Negative User Reviews

✓ Amex AppFirst I want to say all the customer support and benefits of the card have been amazing! My only qualm is the app itself. For some reason, there is no way to access all account information as a manager in the app. Meaning, if you are an additional card member (not the person who applied for the card) with manager access, you can only see the purchases made on the card you use not both cards under the account. This means the only way to pay the full balance of the card, as the additional card holder, is to access the online account through a web browser. This seems like an extreme flaw to this design and is quite inconvenient for our family’s finances as we only pay our credit cards by app, as I’m sure most do these days. The app layout and use seems relatively simple so far but this is a huge flaw. I hope to see some updates soon to this design feature..Aprilgirl109Version: 6.62.0

✓ Great for credit card, managing multiple bank accounts could stand improvementsGenerally, this is a great app for managing your Amex credit card. I recently opened American Express rewards checking and high yield savings accounts. I like how the bank accounts can be managed from the same mobile app as my AMEX credit card, though transferring funds between those accounts can be idiosyncratic, having to “withdraw” money from the checking account to make a deposit into savings. Why not just a transfer button and then select the source and recipient accounts? My biggest gripe is that mobile app still defaults to taking me straight to my credit card account summary. Most of the time I amusing the app, I’m wanting to check my bank account balances first, so having to back out to the account/card selection screen is pretty annoying. I would prefer the app open to the account selection screen where I can choose which account to access instead of the app deciding for me. If AMEX could implement these changes, I’d give the app five stars..MallysanderVersion: 6.63.0

✓ Aweful Customer SUPPORTI have been impacted by the recasting hurricane Ida. I had to leave my home for my safety. I did t grab much. I my what could fit in a small car along with my pets and significant other. I don’t use my credit cards for anything except emergency use. I consider this an emergency. I have a small limit in this Business American Express that I’ve had for several years. Pay on time faithfully every month. As soon as I got to my destination on my evacuation route I reached out to American Express. I requested an increase on my limit because I had no money to pay for my hotel for a week with no where to live!! They denied me!! Because of a bankruptcy on my report from 10 years ago!!! Ok well I was good enough to be allowed to get the card with that same bankruptcy!! But now after I pay on time for 3 years and been a loyal customer while you are killing me interest charges and making your money triple fold you deny me In my time of most need!!!!!! As soon as I get back to my life and devastated city I will cancel my Amex!!!!!! They have lost my business for life over a couple thousand dollars. Very very sad!!!!.Teedee238Version: 6.45.0

✓ Credit limitI thought American Express would be the best card for international traveling but it turned out to be the worst and horrible card to use due to cutting off my limit in the middle of my traveling overseas, I never missed my payments with good credit score. When I tried to use the card, it didn’t go through even though I had plenty of limit left. And then I got an email at the same time that saying my credit limit has been reduced after a review. What??? Without any notification prior to my trip?? I never missed my payments not even once. I called the representative and she gave me a reason why my credit limit was reduced with unreasonable reasons. I have never faced such a unpleasant experience with any other credit cards. I will make sure to let all my family and friends know about this and let them avoid to use American Express. I’m paying off the balance as soon as possible and cutting off the card. There are so many good credit cards out there treat you perfectly reasonable..HodorimybabyVersion: 6.60.0

✓ Worst card ever!!!I don’t suggest this card to anyone. I had identity fraud and something hit my credit that wasn’t mine. It took a total of 4 days to get this item off my credit as it was negative. In those 4 days, American Express decreased my limits over half. Which in return when it reports will make my credit take a dive. I called them and I couldn’t even understand it a word the women said and she didn’t understand me as she wasn’t English spoken. She was from some foreign country. I couldn’t get a representative who could speak English so it was no help. I told her I wanted to close my accounts immediately and she started talking about something off the wall, I asked her if she understood English and of course didn’t get a straight forward answer, so apparently she did not. I will dispute the entire accounts with the fair credit and my states attorney general office. The offers they want you to add on to your card are for stores that nobody used or shops at. I didn’t find one offer that I would ever use or anyone that I know would use for that matter. Stay clear of this card and company..Swetangel03831Version: 6.48.0

✓ A complete lack of humanity!!!!!I’ve been a cardholder for more than ten years and have never had a late or missed payment and have shelled out a decent lump of my earnings to them in the form of interest and have remained loyal. Up until today, it has been my default credit card for all of my purchases. Typically, I pay my credit card bill in full every month, but with the economy as it’s been in the past couple of years, I’ve been carrying a balance since 2020 upwards of $2500. I am finally getting back on track financially and was able to pay my balance down to zero. How does American Express reward a client who pays their bills on time and is trying to be responsible with their credit? In my case, it was by reducing my credit limit by more than 75% so that the boost in my credit score that I achieved by paying off my card was met with a drop in my score as my available credit was reduced. Thanks American Express!!! I would close the card, but I would only be causing myself further damage. So, for now, my balance is back to zero, my new default payment method is Capital One because they actually reward their customers for good behavior! My American Express card is in the garbage where it belongs..Patrick wumbo starVersion: 6.64.1

✓ Disappointing Customer ServiceI was super excited to get an Amex card. Until I applied for one for me and my wife. After applying I was called by a gentleman asking for additional info for my wife. He then told me that we were BOTH approved and should get our cards in the mail shortly. Never got the cards so I called and was told that I was going to have to redo the entire process and also they had no record of me applying for an additional card for my wife. So after redoing the entire process and being told my new card would be in the mail soon it also never came. So I called a couple weeks later and finally got things sorted out with my card (not my wife’s that was a lost cause at this point) and it came in the mail about a week later. After everything it took about 3 months from being approved to getting my card. It just seems like they have a terrible process going on. Anytime I called for help it seemed like they told me what I wanted to hear but nothing was actually done. Now I have applied for another card for my wife 2 weeks ago and again have heard or seen nothing. Also called about my priority pass expiring and the gentleman told me he resolved it and I should be getting a confirmation email. That was 4 days ago and still haven’t gotten one. Being active duty military it’s nice that they over the platinum card for free but at this point I’d rather go back and pay another bank for a card with similar benefits..Alfreno16Version: 6.57.0

✓ Scrolling glitch yet to be correctedFor many months now there has been a scrolling glitch with the app that I tried reporting using the contact protocols in the app but after more than a couple of updates the problem still exists. For users with more than one Amex card on their account the home screen lists all of the cards vertically and the user can scroll up or down thru the list to select which card details to access. On an iPhone 11 Pro Max five cards fit on the screen. The problem occurs when there are six cards or more in an account. The screen does not scroll past the fifth card. It gets glitchy or twitchy, I don’t know the technical term, but it won’t actually advance, it flickers and resets so that the sixth card never advances onto the screen to be selected. As I mentioned previously this issue has been going on for some time now and so I am writing this here in the hopes that someone will read this and pass it along. Thanks..ChristopherTonyVersion: 6.34.1

✓ Do not take any offers from this card!They are awful! Be careful giving them direct access to any of your bank account!!! I had business Amex Open from 2003 till recent. Trying to make my life as business owner easy, I’m setting up as many auto pay via my business bank account as I can. Back in March this year I set up auto pay with Amex in the amount of $4500 as BC immediate was charged over $9000. My attempts to correct their mistake consistently failed. I removed this auto pay and lowered my usage. In June I attempted lesser amount on auto pay, allowed them to charge $817 per month and made a first payment while on the phone with company rep. Payment was successful, amount was reflected on my auto pay agreement and I was expected repeated charge in the amount of $817 in July 16, as was agreed. But July 19 Amex attempted charge in the amount of $8190 for the first time, and repeated the same attempt on 21th and 27th despite me contacting Amex asking them to shop and correct their mistake and blocking their transactions on the bank’s side. Guess what, bank block them and assure me I’m safe after first attempt, but they manage to hack into my bank account and continue this financial harassment. I will get rid of them one way or another and would give them NEGATIVE STARS if possible. Stay away from this scammers.Tamara Levit DDSVersion: 6.44.0

✓ Amex was great, but not any moreI run a company that has 120 employees, and we run about 130 cards through Amex, with annual transactions totaling over $1 million. The app was great and had many business features, which is why we partnered with Amex. Shortly after we started with them, Amex culled the app’s capabilities, including making it impossible to TAG receipts with expense categories. This feature was always available and was extremely important, but on the latest app revision, it is not available. That means that only half the work can be done through the app, and the other half has to be done through the full website, via computer. This causes double work. We have complained and asked for help. Amex is clueless and has not restored this important feature. Another big problem is how Amex does not watch out for their customers like they once did. Our company was scammed by a counterfeiter of Montblanc pens on ebay. We were taken for over $12,000 and had all the evidence to prove it conclusively, without any doubt. Amex would not help us. Their service has slipped and their app is just OK. Find a better company to do business with..-AJL1-Version: 6.63.1

✓ DownhillSINCE 1990, I have always been the biggest AMX fan and championed AMX to others—because you always had my back, talked in nuance to solve my issues (and usually had the authority to make decisions) and always fun to deal with. Gradually, that has changed as customer service continues to go south. But it was the last customer service agent who took my call—that took AMX to a new low. The problem wasn’t even the problem. He was the problem. He was the farthest away from your classic AMX professional—that I thought it might be a training tool—what not to do. So rude, disrespectful, basically calling me a liar when facts of my problem were not believed and then shamed me for falling short as a customer when he couldn’t otherwise explain or defend how his talking points related to my case. BUT AT ANY RATE—if AMX (or any vendor) can explain to me or even inform me of “bad news”—I can accept anything professionally (and kindly) communicated to me. THIS WAS NOT THAT. I TRIED TO CONVEY MY EXPERIENCE to “complaint dept(?)”—I was just too upset. But if he worked for me, I would have fired him on the spot—he crossed a line—one that has taken yrs to build. I don’t know how to ID him—except you can probably access the notes on my account?? The subject of my call was POT..To ZanderVersion: 6.50.0

✓ Worst Credit Card Company / App lockouts constantI have 2 platinum cards through American Express. Out of the 12 credit cards I own, I hate using them the most. American Express constantly locks me out of my account so I can’t make a payment and have to call and be on the phone for nearly an hour during my lunch break to get my account unlocked again. Then, even though I’ve jumped through hoops to make every payment on time and have one card paid off, they send me an email that they’ve lowered the credit limit on my other card by almost half! I put a larger business purchase on that card during Black Friday and got my credit limit lowered the following day, affecting my credit score by 19 points. Afterwards they had the audacity to send another email saying I am getting close to my credit limit now and need to make a payment to lower my balance. Worst creditors I have ever dealt with. With one annual fee of over $500 and another at $195, I cannot wait to pay off the second card and cancel both of them so that I never have to deal with American Express again..SkynaomismomVersion: 6.25.0

✓ Terrible card company!Amex used to be a name one could trust, but no more! I was 1,500 MQM’s away from reaching Gold Medallion status. I called and talked with a female agent about the Delta Reserve card as you were offering 10,000 MQM’s after I spent $5,000. I completed this BEFORE 2022 expired. On your website it says earnings each year are from January 1st to December 31st. Before I agreed to get the Reserve card, I told the agent the ONLY reason why I was willing to spend $550 on a membership was for the MAM’s BEFORE years end. She told me numerous times, “There will be NO issue” with that happening. I didn’t get my MQM’s applied until January 5th. I contacted a supervisor telling them of the issue. I told them to go back and listen to our recorded conversation and they’d hear what this agent promised me. They never did, so I gave you a time table to get this accomplished. I have been with you for FIFTEEN YEARS and spent tens of thousands of dollars. I told the supervisor if this situation wasn’t completed by the time my trip was planned, January 21st, I’d cancel my card and that I’d be spending ALL of my purchases with another card company, which I did. I transferred all of my auto pays too. I haven’t used your card since. Congratulations on the WORST customer service I’ve ever seen. So happy to not have to deal with Amex ever again. Goodbye!.Bubbleboy12345Version: 6.62.0

✓ Meh — App could be so much betterI love my AMEX card and all the benefits and things I can do with it…but the app could be so much better. Hotel search function is very slow and clunky. I travel a lot, and sometimes my layovers are short and I stay at the airport. For example, at LAX airport the app zooms out too far and does not include ANY hotels near the airport. I know the app is showing me preferred hotels first…but it should show me at least ONE hotel AT the airport. It’s just not helpful, and feels like “you” — conversationally speaking — ignored my search request. Another area that could be better is the “Pay It/Plan it” feature in the account balances section. I LOVE this feature, and use it all the time. However, I wish I always had the option to Pay It, or at least set the limit for the Pay It feature. With inflation of restaurant prices, you can’t get out the door these days without busting the pay-it limit. Finally, the “Offers” tab needs a way to filter them to refine what offers I want to see. There are just too many, and you just have to scroll and scroll and scroll. Not very efficient. The good parts though are great! I always use the “Find an Airport Lounge” feature to explore my options and find the best one. I love the security features as well. Basically, just wish the app was as great as the card…I love my AMEX card :-).KC10BuckeyeVersion: 6.44.0

✓ COVID-19How they’ve handled this pandemic is a complete disappointment and shows how much the company does not know how to adapt in the face of any difficulties. We’ve tried for over 9 days now to get through to anyone to cancel flights and get our money back. We sit on hold for over 2 hours every day and then the call just gets dropped. We try messaging them online and they say they can’t help and the only people that can help are by calling the one number. The one number THAT DOESNT WORK. Other large business’ allow you to do everything online easily. Other airlines sent out messages saying they will automatically refund if people don’t show up but since we purchased our flights through American Express travel we don’t have that luxury. We trusted this business and thought that they would be the most relatable business through all of this but they have been the absolute worst. I have never in my life written a review but thought it was needed because this company should be embarrassed. Who ever is in charge of the response to this crisis on your team should be fired..Disappointed Customer x105Version: 6.28.1

✓ Some piece of work you areAfter making payments on time for God knows how long, I’m a day late for payment cause I’m in and out of the hospital with my Father. The rep actually calls me after I got home from the hospital and asks if there was a reason I missed and I explained yes and then paid it on the spot right there. He transfers me to a customer service rep to see if they can wave the fee and she disconnects me and doesn’t call me back. Either way, I can’t wait for the day that I somehow pay these cards off. You make so much money off me monthly - sad part is it’s legal. And if that isn’t enough you can’t even exercise any Common decency. Maybe your winning now, but I will do all I can to deter people from signing up with you. Your rates are outrageous and you care nothing to excuse any compassion for the people you make so much money from. So go ahead and fine me your little late fee for being a day late one time after a decade. I will be done with you one day. So make your money while you can. Leeches. You can kick me while I’m down but you will lose a lot of people because of this in the end. So keep doin what you’re doin..J SWAFFARVersion: 6.63.1

✓ Rewards redemption is laboriousI am a customer of Amex since 2005 (could be a year earlier or later). Those days, Amex was the cool card that broke boundaries when compared to the cards of its time. Very attractive then. Today, especially after the Costco fallout (which I assumed was a match made in heaven), I never left either Costco or Amex as a faithful customer. Costco more or less has retained its charming business practices to keep us motivated. Amex on the other hand has been slipping really bad. The worst experience I face now is redemption of the reward dollars to my credit card account. Multiple days chatting with their online staff who takes as much as 5 minutes to reply back to you (try keeping yourself motivated to chat and hold your phone from locking your Amex app out), I am still not able to get the money transferred within their system from the rewards bucket to the credit card bucket. With banks like CitiBank and CaptialOne with their one press transfer and customer services, what happened to Amex?.Visitor from LansdaleVersion: 6.5.0

✓ Payment schedule burried in the UIIn comparison with competing card applications American Express is lagging behind. One of the most irritating features is making it so hard to find the future payments schedule; first, no way to find it unless one knows it’s tucked at the bottom of the part of a secondary page that is usually not visible on a phone screen - one can see it only when navigating to statements and then scrolling all the way to the bottom of the page . And then, even there, one cannot find a clear and consistent way to know for certain that a payment has been scheduled and what the amount is. A user could easily miss the fact that a payment has already been scheduled and schedule another one in the same amount for the same statement; yet there will be no warning of a potential duplication, which may expose the user’s originating bank account to overdraft fees. I’ve reported this to American Express numerous times over tha last two years; I even begged them to pass the message on to their mobile app product management ; however, no results, and no feedback..ViorroVersion: 6.55.0

✓ Great App, but don’t stop there.A few things I could mention that could bring this app to 5 stars - I would integrate apples current FaceID update to allow for pin entry when it detects a mask. Currently, the app will simply say that “faceID is not detected” it’s something small that can make a huge difference because I’d rather not take off my mask in stores when I want to get into my app, and I’m sure I speak for many people when I say entering and remembering passwords are tedious. Additionally, I would update your app to allow for dispute submissions, status and resolution directly on the app instead of having to clog up your chat. It’s available on your website, just port it over to the app. Finally, I would put something to allow for better reward tracking and pending rewards on the app itself instead of having to go on your website. Additionally, I know this is probably more a hit on Delta and not American Express, but you do have a partnership with their Credit Cards so, have better communication with them and their/your cards. It gets annoying when I have to flip flop between apps and websites to see and track my rewards. Finally you could have a kind of Minimum balance calculator for the Pay it Plan it. Sometimes I’m scared to use Plan it because Im scared my next months minimum due will go from 35 to 350. ...which is fine, id just appreciate the heads up when/if it happens..Not_KiddingVersion: 6.32.0

✓ Why are they doing this to me? seems backwardsI have been working very very hard to pay my card off and I finally get it paid down to the tune of $5,000 dollars available credit and my credit score was actually going up. Then amex decided to lower my limit $4,000. My credit score goes way down because of it! So I made a another $1,000 payment. It’s almost as if they don’t want me to pay it off. Where is the incentive to pay off my card if they are going to lower my limit which kills my credit score? Y As I pay my cc off its supposed to improve my credit score and put me in better standing with the cc company not destroy my credit and put me in financial ruin. Please stop lowering my credit limit! My credit score should go up, not down when I pay it off. I could understand if I was only making the minimum payment every month, But i have been making double sometimes quadruple payments. Sometimes I would make a 100 to 300 dollar payment, buts that’s been on months when I made double or tripple payments. Please stop doing this!!!! It’s killing me!.Roger@9575Version: 6.63.1

✓ Face ID doesn’t workWas a great app until the last few months. Login with Face ID has stopped working and it makes me enter my password whenever I want to log in. If you enter the wrong password just 3 times in a row, it locks you out of your account completely and you have no choice but to reset your password. If I’m in a hurry and misspell my password a few times (which I’ve done many times), I get locked out and have to take time to completely reset my password. I’ve had to reset this password so many times that I can never even remember it now, so I get locked out just trying to even remember what my password was. It feels like I’m getting locked out of my own account every single time I try to login. What’s the point of having a Face ID button if you’re just going to make people login with a password anyway? I have big fingers and often misspell things on my phone, so I often have to reenter passwords multiple times . I’m tired of getting locked out of my account and having to reset my password literally every single time I want to log into my account..Helena2wsx98Version: 6.61.1

✓ Decent app, terrible chatI use this app to view my bills, charges, and deals. The most frustrating part about the app is the Concierge Chat for platinum and centurion members. The chat consistently drops connection and I then need to wait again to connect to someone who can help me. I get notifications from the app and when I click to chat, it takes me to the main screen and shows a chat bar at the bottom so I cannot access the chat option. How can I respond when I can’t see the message? I have better luck closing the app and reopening it, then navigating to the chat section. Otherwise I cannot get to it from the notification or it disconnects and my messages do not send. The chat is also a second thought- it’s hidden in a “Contact Us” menu in settings. I’ve been a member since 2005 and an authorized user long before that- I love the service but this is extremely frustrating when I’m trying to handle something while I am unavailable to speak..JefrVSVersion: 6.19.1

✓ Interest Rate Charges and statement view on Mobile AppI remember when I first started this credit card in 2021 I was paying for interests even though I was paying off the balance down to zero. I called in about this and I was told that the interest charge is to make sure that I am using the card. Months later interests rates charges stopped so I figured it is because I have been using it consistently. Recently March or April and also May I got charged for interest rates even when I am paying on time and the full balance. The mobile app and online access through a PC is not user friendly when it comes to showing the total balance owed within the 30 day period. There is No running total balance. Overall it’s hard to understand what is really owed so I just pay as soon as I can and before the due date. But still got charged the interest rates. So I am dissatisfied. I hesitate to use this card now since The interest rate charges are hard to predict and understand. I have other credit cards that early mileage points as well. So I am more inclined to use those since they don’t charge me an Interest rate because their statements online so super easy to understand..Monalisa PVersion: 6.53.2

✓ DisappointedImagine your account being paid off; and to get a random email stating they have received your info at a location you’re not at; but still has given you the charge. You call to only find out there’s been a fraudulent charge added to your account. Once you report it and discover the location and know for fact they couldn’t have checked you in because you’re home. And have been home for over four months. Makes you suspicious about how people can charge a card with no valid id. And now you have to wait until the investigation is completed before they will remove it. Is not a great feeling. It actually makes me a bit nervous due to the fact I am closing on my home and when I mention this to the credit department they state oh they can’t do anything about it. Well now this reflects my credit report and everything I work so hard for. Not making me happy one bit. I don’t know if I will ever travel and use this card again. Knowing that locations can take your info and their computers can just charge people at random for a stay they were not at. As well as the fact that they leave it on your account and knowing you’re not present don’t remove it..KNG15$Version: 6.32.0

✓ Absolutely horrible app when it comes to rewardsSo technology should make our lives easier, but American express has found a way to make it worse. I redeemed points for gift cards through the app, but trying to use them is just utterly ridiculous. First, you can’t even get to the cards without providing information that is on your AMEX card itself. So even though you have securely logged in to the app, you still have to do more. So if you’re not carrying your AMEX card with you, you can’t use the gift card. Navigating to the cards takes forever. I’m sure everyone is familiar with the phrase “it isn’t rocket science.” But apparently this is! Whether used or not the cards stay in my view, so I have no idea which ones I have used. And to determine the balance, American Express sends you to the vendor’s website, which is not at all helpful. That site asks you for the gift card number and PIN, so you have to go back to the American Express app, write these numbers down, then go back to the vendor site again. Now think of doing all of this while you’re standing at the checkout line at Home Depot with people waiting in line behind you for you to get this done! And forget trying to resolve this in the app through chat. Chat is just another word for we’re not going to listen to you but instead will send you links to FAQ sites. This has got to be one of the worst customer service experiences I’ve had with an app and the corresponding credit card company..PhilipNTxVersion: 6.20.1

✓ Most terrible customer service department I have ever dealt withHistorically Amex had provided decent customer service. Occasional issues that were eventually resolved albeit after having to spend a bit of time on the phone. Today I had a simple issue that needed help resolving. I had to call four times and speak with six different representatives. I also used the chat feature and also spoke to six or so representatives. All in all, I was instructed to walk or drive from place to place to try and use the card, spent over two and a half hours on the phone and over three hours in total and still never got a resolution. The representatives were often rude and I was even hung up on by a supervisor when he said he would hold. When I asked what could be done to make up for my time wasted, I was given a flat “nothing.” For anybody considering which credit card company to use, I would not consider this one. Worst customer service I have ever received from any company and I have two cards including a gold card and probably spend somewhere around $50k a year and was treated like they could completely care less about me, my business, or their complete inability to provide even adequate customer service..Dsprague1679Version: 6.44.0

✓ Check with the hotel website before booking on this appNot all the room options are available when booking your rooms on this app that may be available on the hotels website. Four points Sheridan in New Orleans is a perfect example of that; I booked a room that was available through the app with urgency, because there was only three left, and the other options were Queen beds and a smaller room with a king size bed. Come to find out, the other people joining us on this trip to New Orleans, booked on the hotels website a day prior and had far more room options. I did unfortunately book it on American Express app and could not upgrade my room. I was more than will to pay more plus difference thru the app to upgrade (I did paid more going thru the app btw). But if you wanted to upgrade, I would have to cancel the nonrefundable reservation and book it again through the concierge/calling in. A very nice customer service rep recommended that I could call in to the concierge service and they will be able to take care of it prior to booking. Well, that’s very nice and all but that makes the app obsolete, or a trap. The trip is a month+ away, and I called them less than 48hours from making my reservation and nothing could be done or I could wait until I show up and see if they’re willing to upgrade my room the day I arrive and if it’s available. A whole month to sit and wonder if a nicer room will be available.. I will not be booking hotel room through this app again..HeathaterVersion: 6.66.0

Amex works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Amex.