AmEx is harrassing me

[jesvetmed]

I hate to say it, but they are incompetent and they do deserve to go bankrupt. Especially with their crappy customer service.

Ditto. I had it out with them over 10 yrs ago and have not missed them one bit. They were rude as heck to deal with . Never again.

[Flur]

I'm relieved I've never had a relationship with them. Many years ago when I was only a year out of school they sent me a "pre-approved offer". I'd heard that "everyone should have an amex" so I submitted the paperwork to get my card, and they sent back a denial letter. It left a bad taste in my mouth, so I've just never chosen to get one of their cards.

My last job was at Ameriprise. I didn't start working for them until after the split with Amex, but if Amex is as "well run" as Ameriprise it's no wonder things like this happen.

[aka_kim]

Ditto. I had it out with them over 10 yrs ago and have not missed them one bit. They were rude as heck to deal with . Never again.

Double ditto! I had an unbelievably frustrating battle with them 8-9 years ago over fraudulent activity on my account. It's amazing to me that they haven't driven away all their customers yet.

ny biker, I hope your problem is resolved soon.

[Tuckervill]

That's weird. We've had an AmEx account since 1986, and all our dealings with them have been A+ number one, no exceptions. Even when we forgot to pay the bill! Oh well. I don't use their services anymore (since about 2003) but I still have one of their cards.

Karen

[OakLeaf]

I'm through with Citibank, but that's another story. They replaced a card I'd had for some 20 years with another card because I wasn't using it enough. Well, okay. But they also cancelled my online access to the account, cancelled my paperless billing, mailed the first bill to a P.O. Box that had been closed for 8 months (which the address on the former account had been updated; luckily it's a small town and the Post Office forwarded it "under the table" so it reached me before the due date), and then they wouldn't let me establish new online access to pay the bill. "That website is brand new [they'd sent me the card five months earlier]. We're working on it." No wonder they're going under.

[Possegal]

Bank of America made it so that I can no longer pay them through their website. I have to have a checking account with them to do that. Well I like my bank, don't need their checking account, thank you very much. So I'm trying to pay it off and then be done with using it. OY, should pay them all off and be done, that's the long term goal.

I know many folks that have had their credit lines cut, that's happening all over and regardless of credit rating. In fact, all the people I know that it is happening to are ones that don't carry a balance. One day I hope to not carry a balance too, add it to the 09 resolutions (dang that is a long list).

I've had my phone number for 8.5 yrs and I think up until a couple years ago, I was still getting calls for the person that used to have it. Somehow I think they may have changed their number due to some credit issues. It was quite annoying. I just bought a fridge and the store plugged in my phone number and up came this guy's name and address. I can't escape him!

[Crankin]

I also have had A+service from Am Ex. Even when my husband's card # got stolen and someone was using it to buy porn videos... they actually helped figure out that's what was happening and sent it on to the police.

[Irulan]

Put me on the Amex sucks list. I forget at the moment why we closed our account with them, but they pissed us off for some reason about 20 years ago, never gone back.

[Flur]

I'm through with Citibank, but that's another story.

They just upped my rate so I'm PO'd at them too. And I'm annoyed with MBNA too. It seems like none of them are handling the economic crisis well.

OY, should pay them all off and be done, that's the long term goal.

+1. I'm more determined than ever to get rid of all my credit cards, keeping one for online purchases that will be paid off right after they're made.

[Geonz]

I started using my ATM card and paying for things in cash, even when it was big, at places like my LBS. WHy should the credit card company get 3%?

I think the formal legal option is best, too... give up trying to educate them. Cut it up and send it back.

[Mr. Bloom]

It seems like none of them are handling the economic crisis well.

Here's what's happening
- Credit Card companies depend on selling receivables to investors in pools to raise cash
- No one trusts the sellers anymore(me included) and everyone's concerned about the american consumer
- So, credit card companies can't sell outstanding receivables right now.

Credit card companies then have to maintain capital against their receivables and unfunded commitments.

So, they can't sell their receivables -therefore- they need to maintain much more capital (at a time when no one is willing to invest in financial institutions)

And, they need capital against unfunded commitments (which they don't make income from).

Therefore, they have a serious capital problem and need to start shrinking either receivables or unfunded commitments or both...and this further fuels the crisis.

So, don't take it personally...it's part of a vicious and unfortunate cycle that becomes a self fulfilling prophesy...