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Unhappy with AMEX?

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Fighting for victims of inadequate fraud protection.
American Express promised industry-leading fraud protection, but thousands of cardholders have suffered from unauthorized transactions, identity theft, and inadequate security measures. falsely advertising fraud alerts and reports, many victims faced denied claims, slow responses, and refusal to reimburse fraudulent charges.
Our investigation reveals systemic failures in American Express's fraud detection systems, improper claim denials, and violation of federal consumer protection laws. If you've been a victim of fraud that American Express failed to prevent or reimburse, you may be entitled to significant compensation.

Have You Been Affected?

  • • Failed Fraud Protection: Fraudulent transactions that weren't properly reversed, no alerts, no consumer protection
  • • Denied Claims: American Express refused to reimburse legitimate fraud claims
  • • Account Takeover: Hackers accessed your account due to weak security
  • • False Security Promises: Advertised "best-in-class" fraud protection that failed to prevent unauthorized charges
  • • Inadequate Monitoring: Failed to detect suspicious activity or notify you of potential fraud
  • • Misleading Zero Liability: Promoted 100% fraud protection but refused to honor claims
  • • Data Breach: Your personal information was compromised
  • • Delayed Response: Fraud reports ignored or processed too slowly
  • • Liability Disputes: Wrongfully held responsible for fraudulent charges
  • • Deceptive Marketing: Advertised superior fraud protection that didn't deliver when you needed it
  • • Failed Security Systems: Outdated fraud detection allowed unauthorized transactions to go through
  • • Broken Guarantees: Promised reimbursement for fraud but added hidden terms and exclusions

Actions you can take if Amex denies your claim.

It is your right to defend yourself

Step 1: Review your cardmember agreement with Amex

  • Review the claims resolution section of your cardmember agreement.

Step 2: Initiate the claim process

  • Send a written claim notice that clearly states your claim and damages to Amex at the address in your cardmember agreement, likely to American Express ADR c/o CT Corporation System, 28 Liberty Street, New York, New York 10005.

Step 3: Mediation

  • Request mediation of your claim. If the parties agree to mediation, Amex will pay the cost of the mediator which may be as high as $20,000. Again, Amex is required by the cardmember agreement to pay for the mediator

Step 4: Arbitration

  • If mediation fails, demand arbitration. Excepting the costs you might have paid in court filing fees ($200-$500), Amex is required to pay the costs of the arbitrator which in a complex case may be more than $100,000. If the arbitrator rules in your favor for an amount greater than offered by Amex before arbitration you are also entitled to recover your attorney fees.

Step 5: Spread The Word

While it may seem that mediation and arbitration favor Amex, the opposite is often true. Because Amex must cover the cost of mediation and nearly all arbitration expenses, resolving your claim may ultimately cost Amex more than the amount at issue—giving you significant leverage. Moreover, if you prevail at arbitration, you can recover your attorney’s fees, while Amex cannot, further strengthening your position.

Documented American Express Legal Actions

A History of Consumer Protection Violations

These documented legal actions represent enforcement actions and settlements involving American Express, ordered by settlement amount. All information sourced from official government agencies and court records.

Join Current Fraud Lawsuit

American Express Agrees to Pay $108.7M to Settle Allegations of Deceptive Marketing and “Dummy” Account Information

Combined criminal and civil settlement (U.S.) — $230M total (Jan 2025). $138.4M criminal penalties for providing inaccurate tax advice on wire products (Payroll Rewards and Premium Wire), plus $108.7M civil penalty for deceptively marketing credit cards and using "dummy" employer identification numbers.

Justice.gov

CFPB Orders American Express to Pay $85 Million Refund to Consumers Harmed by Illegal Credit Card Practices

Total settlement including restitution and penalties (U.S.) — $112.5M (Oct 2012). $85M in consumer restitution to approximately 250,000 customers and $27.5M in civil penalties. Violations included deceptive debt collection, misleading credit reporting claims, unfair billing for add-on products, and deceptive marketing.

CFPB.gov

CFPB and American Express Reach Resolution to Address Discriminatory Card Terms in Puerto Rico and U.S. Territories

CFPB enforcement action (U.S.) — $96M+ redress (Aug 2017). American Express discriminated against over 200,000 consumers in Puerto Rico, U.S. Virgin Islands, and other territories for over ten years by providing inferior card terms including higher interest rates, stricter credit cutoffs, and less debt forgiveness.

CFPB.gov

Civil Money Penalties Assessed against American Express Bank International and American Express Travel Related Services Company, Inc.

Combined penalties and forfeiture (U.S.) — $65M (Aug 2007). Federal Reserve Board ($20M) and FinCEN ($25M) penalties, plus $55M forfeiture to DOJ under deferred prosecution agreement. American Express Bank International failed to maintain adequate anti-money laundering programs and failed to file suspicious activity reports.

FederalReserve.gov

CFPB Orders American Express to Pay $59.5 Million for Illegal Credit Card Practices

Consumer restitution order (U.S.) — $59.5M (Oct 2013). Restitution to more than 335,000 consumers for illegal credit card practices including deceptive marketing of add-on products. AmEx misled consumers about benefits of payment protection products ("Account Protector"), identity protection, and "Lost Wallet" services.

CFPB.gov

OCC Assesses $15 Million Civil Money Penalty Against American Express National Bank Related to Bank's Governance and Oversight of Third-Party Affiliate

OCC civil monetary penalty (U.S.) — $15M (Jul 2023). Penalty against American Express National Bank for failing to govern and oversee third-party affiliates and violations of Customer Identification Program regulations during efforts to retain small business customers between 2015-2017.

OCC.treas.gov

American Express TCPA Class Action Lawsuit Settlement

Class action settlement (U.S.) — $9.25M (Dec 2016). Two consolidated settlements for violations of the Telephone Consumer Protection Act: $8.25M for 798,000 class members who received automated telemarketing calls, and $1M for 3,200 class members who received automated debt collection calls without consent.

Settlement Details

American Express ordered to pay $8 million penalty for failing to meet its design and distribution obligations

Federal Court penalty (Australia) — A$8M (Jul 2024). Australian Federal Court ordered penalty for breaching design and distribution obligations related to David Jones co-branded credit cards. AmEx failed to review target market determinations when high cancellation rates indicated they were no longer appropriate.

ASIC.gov.au

Settlement Agreement between the U.S. Department of the Treasury’s Office of Foreign Assets Control and American Express National Bank

OFAC settlement (U.S.) — $430,500 (Jul 2022). American Express National Bank settled 214 apparent violations of OFAC's Kingpin sanctions. Over two months, processed $155,189 in transactions for an account whose supplemental cardholder was designated in connection with illegal drug distribution and money laundering.

OFAC.treasury.gov
Influencers We Are Contacting To Cover Amex's Deceitful Practices
Influencers have become vocal critics of major issuers, exposing questionable business practices and fraudulent activity. By utilizing their social media prescene, they can help us create a strong campaign to spread the word. We are already in the process of reaching out to these channels to schedule videos.
Our team of like minded inviduals are hard at work reaching out to influencers spreading our cause. Plese use our contact form at beginning of the site if you are interested in creating content around our cause.

Influencers We Are Contacting To Cover Amex's Deceitful Practices

Graham Stephan

Subscribers: 5.11m

Views: 3.7m

Brian Jung

Subscribers:2.09m

Views: 816k

Humphrey Yang

Subscribers: 1.82m

Views: 400k

John Liang

Subscribers: 630K

Views: 1.9M

Daniel Braun

Subscribers: 216k

Views: 1M

Influencers Already On Our Side
These like minded individuals are already fighting for our cause
Our team of like minded inviduals are hard at work reaching out to influencers spreading our cause. Plese use our contact form at beginning of the site if you are interested in creating content around our cause.

Influencers We Are Contacting To Cover Amex's Deceitful Practices

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Unhappy Customer Reviews

Page 1 of 67 (665 reviews)
★☆☆☆☆ 1.0
Hoss

Reston, VA

10/14/2025 12:00:00 AM

American Express treated me terribly. I was told by their own rep that I earned a $250 welcome bonus, only to have it taken back months later with no warning. They never sent alerts that I was short of the spending requirement, yet they emailed immediately to demand payment. Their customer service was robotic, unempathetic, and refused to take responsibility for misleading me. Truly disappointing.

★☆☆☆☆ 1.0
brenda

New York, NY

10/6/2025 12:00:00 AM

Been a card holder for 32 years. Even had a Black card at one point prior to Superstorm Sandy. Now after the covid ordeal I have a low credit limit and have to pay off my card every time I use it in order to have access to it. I spend over 5K a month on an average. The complaint is multifold. Mainly that payment is made immediately as an electronic check form my banking account to AMEX. the funds are out of my account and starts as pending. Even when my bank reports it as posted, AMEX does not update their systems to reflect payment received and check used. They take an additional 4-6 business days to release a hold on the AMEX card use and line of credit. Once over the credit limit, they delay updating the account and ruin credit scores.

★☆☆☆☆ 1.0
Jeffery

Wilton Manors, FL

9/28/2025 12:00:00 AM

Their customer service is getting worse every day. It used to be personalized. Now everything is so automated that nothing makes sense. You pay your bill and get a notification a week later telling you that your bill was due a week ago. So you assume maybe your payment didn't go through. They tell you it was just a glitch. Don't worry about it. Fraud notifications for frequently used vendors. When you talk to customer service, they really don't care anymore.

★☆☆☆☆ 1.0
Chris

Littleton, CO

9/25/2025 12:00:00 AM

I booked an AmEx platinum preferred hotel in Dublin, The Westbury. The hotel has major building work going on all day, the room was small, badly lit especially the bathroom, uncomfortable small bed. The room was not ready on check in. A list of Platinum benefits was read to me none of which was actually available on the day!! At check out I received a 25% discount but was told it was not their fault, "the booking agent Amex should have advised me, of building work, at time of booking". Why is this hotel on the platinum preferred list at the current time? Does Amex actually keep up to date reviews on their recommendations?

★☆☆☆☆ 1.0
Scott

Bradenton, FL

9/22/2025 12:00:00 AM

We always accepted AE at our retail store with no issues. Until one lousy customer bought a boat trailer before buying his boat. He hired us to do work customizing the trailer. We even registered the trailer in his name. After many weeks the customer left a voice mail saying he wanted a full refund. It turns out the boat purchase never went through. We offered him a way for a refund minus our actual costs involved so we wouldn't lose money because of his altered plans. This was in spite of the fact that deposits and trailer sales are non-refundable.

★☆☆☆☆ 1.0
Cesar

Fontana, CA

9/22/2025 12:00:00 AM

Member since 2018. Just closed accounts. The customer service is horrendous!! Can't understand anything clearly out of country reps. This last time I was transferred 6 times each time being ask to repeat myself!

★☆☆☆☆ 1.0
Alpha

Houston, TX

9/19/2025 12:00:00 AM

I've been with AMEX since 2005 and always contested that they have the best customer care until recently. In the past year, my interactions with customer service have been very disappointing to say the least. Each agent has been rude, unwilling to discuss what options best work for optimizing my card usage to take advantage of the points, condescending to not knowing best offers, hanging up the phone without polite etiquette, and deferring me to their website even after stating that the website didn't have the information I was looking for. This by far has been the worst experience and it was much better when customer service was outsourced.

★☆☆☆☆ 1.0
Pro national

Denver, CO

9/14/2025 12:00:00 AM

I wish I could give this negative five stars, even negative ten stars. This is such a joke of a company. Nothing but a bunch of ** and liars. Too much to go into detail. Just trust me when I tell you you should stay very far away so they don't lie to you.

★☆☆☆☆ 1.0
Terie

Bend, OR

9/10/2025 12:00:00 AM

I have been with American Express for my business for well over a decade with an okay experience. In the last year my payments don't go through, I am afraid to pay my bill, the money just disappears into a black hole vortex & I get late fees & forget about trying to get help with customer service, no one is home there!!! I submitted complaints to the consumer protection bureau & you should, too!!!!

★☆☆☆☆ 1.0
J

Castle Rock, CO

9/3/2025 12:00:00 AM

I made a payment and then received an email stating the payment didn't go through. So I made another payment that they received just fine. Then 5 days later they decided to reprocess the original payment after I had already made a payment. They stole an extra payment from me. Don't trust this company. They are thieves and liars. Update: Now that I have made 2 payments in 5 days. One of them you stole, you put a hold on my account I've sent almost $200. The original payment was $95 and I still can't use my card. Worst credit card provider and customer service. DO NOT TRUST THIS COMPANY.

Page 1 of 67 (665 reviews)

Indian Customer Service Complaints

Why They Are So Hard To Deal With

★☆☆☆☆ 1.0
Dr Steve

Irvine, CA

Reviewed Oct. 2, 2025

I was buying four tires for my wife's SUV at Macy's. It took 15 minutes to enter all the form data. I clicked ‘Make the Purchase’ and AmEx declined. Now we have FICO scores over 810 and never had a fraudulent transaction or missed a payment. What was Indian No-Service's explanation? "I have to protect AmEx by making sure it's really you." All other credit cards I carry confirm via phone or email after I make the purchase. Only AmEx decides my online transaction is way over the average and declines. He said my transaction is approved and just start over again. I tried to call and talk to supervisors and they just dropped the call when transferring me. I cancelled the account despite losing $143 in rewards dollars. Who needs such poor customer no-service, a poorly designed website, and unreadable statements!? Use another credit card company. Forget AmEx.

★☆☆☆☆ 1.0
R George

Oakland, CA

Sept 18, 2025

I have been a loyal client of AMEX for 22 years and had a AMEX Business Platinum card. In the past 2-3 years I have noticed that AMEX's customer service has undergone a serious decline, e.g. offshoring of customer service to India, endless recorded messages, and useless menus to shift through. I just could not understand the English of these foreign Indian workers. I complained and complained, but AMEX DOES NOT LISTEN TO THEIR CUSTOMERS. India also has massive human rights violations, e.g. women abducted and put into sex slavery, child labor in rug factories, widespread police and government corruption. Next in 2015, AMEX was found guilty of violating antitrust laws in Federal Court. After that, I closed all of my AMEX accounts (three) and I told them that their business ethics and their customer service was unacceptable. I would recommend that other AMEX customers take a closer look at the sub-standard business ethics used by this corporation.

★☆☆☆☆ 1.0
John

Manhattan, IL

Sept 1, 2025

I tried to use my 40,000 in reward points to book airline miles and the website was not working. I tried to call to book over the phone (talked to 9 different customer service reps and could not understand them due to strong Indian accents). Finally talked to someone I could understand and it was a $95 fee to book over the phone. I tried to cancel card and was disconnected twice. Long story short - don't pay $175 fee every year for a card that gives bad customer service. Never thought I would say this but American Express sucks. I've been a member for several years and like everyone else, they have sold out. Makes me sad!

★☆☆☆☆ 1.0
Nancy

Webster, NY

July. 5, 2025

I have a long standing AmEx Platinum acct that I pay the balance on each month. I received a past due notice from AmEx by mail on a Blue Sky acct is not mine. Balance of $536.00. I have been calling cs and their fraud # for a month. Each time I call I get a different response, from "we will open an investigation" to "everything is alright on your account, don't worry". Most of the time I have a very difficult time understanding the cs rep, as they are Indian, and speak very rapidly. Today I was told not to worry again, and that they do not want to see any of the 5 letters I have received in the mail regarding this investigation, even though they have no record and I advised them that I believe they did not come from AmEx. Each of the 5 letters have a different acct end #. I have very, very good credit and I'm now worried that my credit history will be destroyed by this fraud. This seems like the same type of thing Wells Fargo was just exposed as doing - I think AmEx opened the Blue Sky acct in my name and now it seems that there may be 4 or 5 additional accounts opened in my name. I am seriously considering filing a report with the Dept of Justice, and the local police.

★☆☆☆☆ 1.0
Judy

Westlake Village, CA

June 13, 2025

The worst experience ever! For many years we've been loyal card users. My husband died and I found out someone was using his card after I paid his bill. Over $800.00 in charges. I'm close to losing it. They keep transferring me from one dept. to another and keep me on hold forever. One dept. doesn't know what the other dept. is doing and some of the people speak with a thick Indian accent I can't understand. I think they're hoping I'll die or just go away. It's very depressing to be treated like I don't matter! I think a class action suit should be filed against them. This must be happening to thousands of people like me.

★☆☆☆☆ 1.0
A

Kirkland, WA

June. 2, 2025

Customer service is significantly worsening in past 3 years. 3 out of 5 times I end up speaking to a rep with very thick Easter Indian accent (hard to understand over the phone), and other 2 times, reps on the phone have very hard time to articulate the inquiry. Credit increase is nothing but painful, especially with Amex's request to obtain the transcript of the tax return. IRS does not like 4506-T that is faxed from Amex, returning the form to me as "legible." I have been Delta Amex customer for over 10 years, but I am getting close to run out of my patience and loyalty to both companies - not worth the pricing point of the ridiculous airfares with Delta, as well as unreasonable customer service with Amex.

★☆☆☆☆ 1.0
Mark

New York, NY

April 11, 2025

As an AMEX Platinum Cardholder for 30 years, I've watched the service steadily deteriorate. Long gone are the days when you call and get an English speaking agent that can actually help. Nearly all calls are routed to the Philippines. Those agents do not speak English well and do not seem to have full access to your account information, including itinerary details. After the standard 20 minute struggle of repeating yourself and the frustration of not getting anywhere, you ask to be transferred back to the U.S. - But that will cost you another 20-40mins. And, if you're lucky enough to have enough battery or free time to endure the wait, you might eventually get a U.S. agent.

★☆☆☆☆ 1.0
Bob

Chagrin Falls, OH

Jan. 24, 2024

They are terribly unresponsive and difficult to reach. No email. No complaint form. Agents' English is difficult, if not impossible to understand. "Deny! Deny! Deny!" should be the biggest point of their online profile. They offered no help in arranging travel that was disrupted by war in Gaza. I had a minimum of 5 different managers working on the issue with no resolution. I am overwhelmed with frustration. Going to mediation then probably small claims court.

More Indian Customer Service Complaints

I'm so tired of Indian customer service.

I get that most major companies do at least some (if not all) outsourcing of their customer service internationally. However, with regards to Comcast specifically:

Reddit

Which Indian company has the worst customer service?

I would say Swiggy. Although I'm not a big fan of Zomato either, when it comes to Swiggy they refuse to take accountability and put the blame on restaurant. Imagine Amazon doing that to customers.

Quora

Indian Gave The Worst Customer Service Support

I am wondering if I'm the only one who experience a most lousy service by Indian Call Center specially the females are lazy. Well, I'm not the only one. I am not anti Indians in the US but Call Center in India is wrong service.

Microsoft

$55 billion lost on hold, Indians’ customer service wait soars: report

Indians spent over 15 billion hours on hold on customer service calls in 2023, costing businesses $55 billion, reveals ServiceNow's new report. This issue has pushed two-thirds of consumers to consider switching brands over poor service.

Worst Customer Service EVER!!!

Adobe claims they have 24/7 support, well this past weekend July 26, 27, 28 I tried calling in to cancel 1 license on my adobe creative, and waited 2 hours on the 26, 6 hours on the 27, 2.5 hours on the 28 without ever speaking to anyone. You have to call in to cancel your license since youcan't cancel online, which is really stupid, as you can add a license but not cancel.

Adobe

Consumers spent 15 billion hours waiting to make service complaints

As many as 80% of Indian consumers now rely on AI chatbots for essential services like checking complaint statuses and product recommendations. Yet, these same consumers collectively spend an astounding 15 billion hours on hold each year, according to the report.

The Economic Times

Anyone getting bad support from India?

I have a Approved (limited):Trademarks in ad text. Been waiting for 3 weeks and nobody gets back to me. If I call in they say the case is being handled. I ask how long should I wait? They say 2-3 days. Now I am in an endless support loop?

Google

pakistanis and Indians leaving me fake bad reviews

I've had about 15 bad reviews given to me by fake accounts from Pakistan and India please help me get this one removed as I've done no work for this customer have no record of doing any work for them.

Google Support
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