What happened?

Posted Sun July 26, 2009 7:09 pm, by D. A. written to American Express Credit Cards

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I would like to suggest that this company make it possible for the customer to reach by mail or email.

About 6 months ago I ran into a bad financial snag (like most of us in the working class) and wrote a letter to the customer service address on my statement with a good faith pronouncement to pay my balance (less than $600.)and followed that up with small, regular electronic transfer payments every month. I'd done it once before back in 2002 and Amex worked with me.. this time,no reply--plus I kept getting charged $30./month late fee.

Wrote to the corporate address on my card..no reply. Wrote certified letters to 5 different addresses I found online for Amex customer service..no reply. I even sent in a payment coupon with a letter; still no reply.

Then the harassing phone calls from NCO collections started. When I'd pick up the phone, I found these were just realistic-sounding recordings, not actual people.

This is akin to lending someone money, then pretending you're not home when they come to your house to talk to you about paying you back--then calling the police on them for nonpayment.

Since I was unable to reach Amex at all--not even by phone, since my account had been turned over to collection without my knowledge--I called NCO.

They told me I could get back in Amex's "good graces" and "get my FICO score back up" by getting a "Welcome back" Amex card--at 27% APR!!!

Is this what you've come to, Amex? Passive-aggressive techniques, non-human customer service and usury?

I guess that 19 years with you as a cardholder didn't really count for jack, did it?

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Re: What happened? by RowdyRetailer Posted Sun July 26, 2009 @ 9:32 PM My suggestion is to cancel the card, and be done with them forever. If you play with the snakes, you will eventually get bit. Unfortunately credit card companies dont care about you or your situation, they just dont. This is why they are snakes. Good Day Reply What happened? The economy happened. This isn't 2002. by Donno Posted Sun July 26, 2009 @ 8:35 PM Usury is what the credit card banks base their entire business on. I think AMEX has the highest percetage of holders who are defaulting. Therefore they will have very little patience in dealing with accounts that aren't paid in accordance with the terms of your agreement. Reply Looks like BOA gets that award @ 12.50 by Bill R. Sun July 26, 2009 @ 8:53 PM Try this approach by Bill R. Posted Sun July 26, 2009 @ 7:50 PM D.A., Use this site: http://tinyurl.com/d7k4jl and it will offer you a multitude of options on how to reach AX. Good luck and do stop back and let us know how this plays out. BillR. Reply