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Sample Letter to Cancel AMEX card (Read 35865 times)

OneGreatRep

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Re: Sample Letter to Cancel AMEX card
Reply #15 - Sep 17^th, 2003, 10:10am

Amx Sux.

Rebilling charges can will keep on coming in on a card that is lost, stolen or cancelled. American epress can't nor will not stop charges for a recurring bill. This is a agreement that the cardmember and the vendor have enter and have a comment to each other. American Express is a billing agent nor a legel firm.

If you preauthorized any contiunally billing it will come through as these vendors have a different agreemetn with amex.

For new pos transactions yes they will be declinded. You are always reposonable for the charges that come on the account. It is your account that is one of the things that come with growing up is responsiabity. Something alot of you don't want to know.

One Great Rep. devil

rjriley

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Re: Sample Letter to Cancel AMEX card
Reply #16 - Sep 17^th, 2003, 10:41am

[quote author=OneGreatDudOfARep link=1018729442/15#15 date=1063815000] It is your account that is one of the things that come with growing up is responsiabity. Something alot of you don't want to know. [/quote]

I presume that OneGreatDudOfARep is grown up and is responsible for learning to communicate without butchering the written word. He comes across as OneGreatMoronOfARep.

I all presume that Amex is run by adults who know that any UNAUTHORIZED charge to your account is FRAUD. But then we all know that Amex is run by people which use a teen's reasoning. They screw up in allowing FRAUD and then claim they are not responsible for their screw-ups.

Say, isn't OneGreatDudOfARep a great representative of the nature and quality of the company's staff.

American Express SUCKS

Ronald J. Riley&&http://www.rjriley.com/dud/american-express/&&Want to give Amex appropriate public recognition? Contact page http://www.rjriley.com/contact/

AmexRepsRDopes

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Re: Sample Letter to Cancel AMEX card
Reply #17 - Oct 8^th, 2003, 1:47am

The Amex reps that defend Amex's incompetence on this sight are truly desperate. I've had so many inexcusably bad experiences with Amex that I don't want to take the time to properly categorize all of them in this forum.

What is probably most irksome is the notion that once a member cancels their card they can still be held responsible for recurring billing charges is just the biggest pot of steaming, rotting poo I've ever imagined.

You can harken back to the merchant agreements or whatever wad of crap you want but it is as simple as this: when I chose to terminate my relationship w/ Amex it was not conditional. It encompassed every possible permutation of financial transactions that Amex is capable (or mostly incapable) of. But since Amex will never understand this, change their merchant agreements, fork over the ca-ching to program their crappy-ass computer systems that are probably powered by ex-lab rats chasing a piece of moldy cheese on a treadmill, or get a customer-centric focus, I'll enjoy nothing more than calling Amex on a monthly basis - every time they send me a bill for one of those "recurring charges" - and wasting as much of a representatives time as possible. If I can throw in some aggravation or cause them to be exasperated, well, then it was worth every minute of my time.

So call your customers, make that "ex" customers, stupid, ignorant, inconsiderate, unaware of Amex's fabulous multipage written agreements on paper only one step up from bargain-basement toilet tissue most commonly used in inner-city crack houses, using a font size only a magnifying glass, and a plentiful supply of Excedrin at the ready, can make legible , hooray for you! What a fabulous company you represent and what truly empathetic souls you all are.

I'll be exhibiting the same kind of 'caring' when I soon gleefully read in the news that more Amex customer service representative positions are being "out-sourced" to such exotic locations such as India, Bangladesh, Pakistan, Russia, Iceland, and wherever else you can strap a headset on a rebranded local whose Americanized name is now "Joe" and who makes the American equivalent of cigarette money for a day's work.

I use the cigarette example as I know it is something you can most readily identify with. I theorize there's a direct correlation between people who are too stupid to head the overwhelming number of warnings about the well-documented dangers of smoking and those who are willing to sit at a telephone all day defending a company that couldn't pull its head out of its ass without forming a cross-organizational task force with at least two process improvement analysts and hordes of technology representatives.

Really, its amazing that you would ever take the time to a) find this site; b) read through the complaints (you must hear enough of that when you're working!); and c) devote the enormous amount of time it must take for you to type notes that come close to expressing a clear thought. I've never found that the credit card representatives I've spoken with at Amex were able to do that on the job, so I certainly don't know how you do it in your free time.

So again, have fun kicking the "stupid" customers (the majority of whom are now "ex" customers") in the teeth. The true irony of all of this if you had managed to be part of an organization that was able to satisfy the customer and took proactive (or even by the seat-of-your-pants reactive) steps following just some of your interactions with disatisfied customers, this forum would not exist and you wouldn't have to spend your free time defending the miserable company that employs you (for now, anyway). A greater benefit could ultimately be derived from improving on your job skills and beginning to do an exhaustive search for open positions where such complete morons can still be gainfully employed.

Guest Guest	Re: Sample Letter to Cancel AMEX card Reply #18 - Oct 8^th, 2003, 1:54am Well said. I agree absolutely. I have never heard a good word about AMEX from business owners that had/ have accepted it.
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rjriley

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Re: Sample Letter to Cancel AMEX card
Reply #19 - Oct 8^th, 2003, 8:18am

[quote author=AmexRepsRDopes link=1018729442/15#17 date=1065599278]The Amex reps that defend Amex's incompetence on this sight are truly desperate. [snip]

Really, its amazing that you would ever take the time to a) find this site; b) read through the complaints (you must hear enough of that when you're working!); and c) devote the enormous amount of time it must take for you to type notes that come close to expressing a clear thought. [snip]
So again, have fun kicking the "stupid" customers (the majority of whom are now "ex" customers") in the teeth. The true irony of all of this if you had managed to be part of an organization that was able to satisfy the customer and took proactive (or even by the seat-of-your-pants reactive) steps following just some of your interactions with disatisfied customers, this forum would not exist and you wouldn't have to spend your free time defending the miserable company that employs you (for now, anyway). A greater benefit could ultimately be derived from improving on your job skills and beginning to do an exhaustive search for open positions where such complete morons can still be gainfully employed. [/quote]

Based on the number of posts and the total time spent on this site I think they are paid to try and disrupt the forum. I find it hard to believe that Amex could brainwash anyone to the point they would spend all their free time bashing (ex) clients and sending epinions rave reviews for Amex. Most certainly such tactics would be consistent with the corporate culture we have all come to love and thumbsdown veryangry.

This is one more example of what makes.......

American Express SUCKS

Ronald J. Riley&&http://www.rjriley.com/dud/american-express/&&Want to give Amex appropriate public recognition? Contact page http://www.rjriley.com/contact/

Lee Munsil

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Re: Sample Letter to Cancel AMEX card
Reply #20 - Nov 24^th, 2003, 12:49am

A supposed-to-be Am Ex rep said.......

"And cancellation letters are a joke... you need to simply call in and advise someone to cancel your account(s). Why are you people so d**n scared of confronting anything head-on? You have to hide behind a letter that usually gets lost or is simply entered into the notes on your acct (very abbreviated) by a clerical person who has no authority to cancel your acct? You need to talk to the right person. Come on people, its not that hard to dial an 800 number and say 'cancel me' "
------------------------------------------------------

Are you for real?

I tried the simple phone call approach and was told that "You can not cancel your account! (because we can not verify your phone number) and if we have to cancel the account, we will report you to the credit agencies anyway we like". THis is after I asked them to notify the credit agencies that the customer was requesting closing of the account. Sounds like a threat to me!

Want to hear a sick story of why I gave up on Am Ex?

About 6 weeks ago I applied online for a Blue Cash card. The card came in a few days and I used it only once the first billing cycle. The bill came and I paid it. Then I went on a four day trip to Calif and Nevada.

I used the card several times before and during the trip and even on the night before flying home at a restaurant in Calif. The next morning I tried to use my card at a restaurant on the way to the Reno airport. It was "declined" by Am Ex.

From the airport I called the 800 number to see why. I was told that they could not verify my phone number. I asked why they were honoring my card as recently as last night and then just cut it off. They said it was a security issue. The rep and I spent about 30 minutes trying to find our why they couldn't verify a phone number I have had for over 5 years. (I later found out that they had left a message on my answering machine while I was traveling, I suppose to tell me they couldn't verify my number?). She finally told me I would have to fax a whole bunch of stuff (utility bills, etc) to try and link my address to my phone number. I said forget it, it wasn't worth it. (Even the fact that I had a Corporate Green Card in my name for many years before I retired could not be verified by their "slick" system. I told her that I would be cancelling the card and hung up. (The plane was waiting.)

When I arrived home I found the "please call" message from Am Ex on my answering machine. The next day I received a letter asking me to call. So I did. This time the rep (a different one of course) listened to my whole story and explained that they have up to 90 days to verify the information I put on the online application, and the service they use to validate phone numbers could not say how long I had the number. He did admit that the address and number I gave them agreed with what the service said, so it was only a matter of establishing how long I had the number. They tried to call me and when I wasn't home, they flagged my account to decline all further charges! Wow, what a system! I explained that I had lived at the address for more than 5 years and had always had the same number. (Now when the Phoenix area ran out of numbers a year or so ago, they added two new area codes and my area code was changed, but the basic number remained the same.) Evidently the service Am Ex uses to validate phone numbers can't figure that out. I'd suggest Am Ex find a new "expert" company to handle these really tough issues.

When the new rep also said I would have to fax a whole bunch of stuff, I repeated my earlier request to cancel my account. That's when I was told that I couldn't cancel my account.

What a farce! It's no wonder a web site like this exists. But it is a wonder why they have any customers left!

Today the new bill came. I have already paid it. I will be sending this story to Customer Services (and the CEO) asking to have my account closed, and for a favorable report to the credit agencies. I might even send a copy to my attorney so he can be prepared for the next action if Am Ex messes up my credit rating.

End of sad and sick story!

Supposed-to-be Am Ex Rep, are you still there? This is the first time I've seen this web site and I have used my real name and email address. I have nothing to hide.

REALITY CHECK

Guest

Re: Sample Letter to Cancel AMEX card
Reply #21 - Nov 24^th, 2003, 1:07am

Sounds like AMEX is following the gov't regulation known as the Patriot Act.

The Act was written shortly after September 11, 2001 to prevent, detect, and prosecute the financing of terrorism. It imposes strict guidelines to ensure that all financial institutions make every effort to verify the identity of members, customers, and clients wanting to do business with them.

Federal law requires all financial institutions to obtain, verify, and record information that identifies each person applying to do business with them.

rjriley

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Re: Sample Letter to Cancel AMEX card
Reply #22 - Nov 24^th, 2003, 8:06am

[quote author=REALITY CHECK link=1018729442/15#21 date=1069661235]It imposes strict guidelines to ensure that all financial institutions make every effort to verify the identity of members, customers, and clients wanting to do business with them. [/quote]

We are talking about people who no longer want to do business with Amex.

The only way to deal with Amex is via certified letters.

By doing so the EX client has proof that they canceled the account which can be used to dispute any negative material Amex might retaliate with.

American Express SUCKS

Ronald J. Riley&&http://www.rjriley.com/dud/american-express/&&Want to give Amex appropriate public recognition? Contact page http://www.rjriley.com/contact/

Lee Munsil

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Re: Sample Letter to Cancel AMEX card
Reply #23 - Nov 24^th, 2003, 12:07pm

The whole point of my message was just to say that American Express does not care enough about their customer to:

1) Ask me what local phone carrier I use (by mail to my "record" address if necessary) and
2) Call them and say..
3) Can you verify that Mr. Munsil has had the same number for the last five years!
4) Find a competent company to research phone numbers if they really wanted to serve their customers!

rjriley

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Re: Sample Letter to Cancel AMEX card
Reply #24 - Dec 26^th, 2003, 3:48pm

Lee Munsil said: "Find a competent company to research phone numbers if they really wanted to serve their customers!"

The truth of the matter is that Amex is incompetent and selects companies with similar traits.

Not only incompetent, but also incredibly arrogant. You have the right idea. Dump Amex in favor of a company who actually wants you as a client.

Also, be sure to spread the word. Help your family, friends, and colleagues avoid the grief of dealing with a company which is so screwed up it is hard to believe they can keep their doors open.

American Express REALLY SUCKS

Ronald J. Riley&&http://www.rjriley.com/dud/american-express/&&Want to give Amex appropriate public recognition? Contact page http://www.rjriley.com/contact/

DivinePrince

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Re: Sample Letter to Cancel AMEX card
Reply #25 - May 27^th, 2004, 10:13pm

[quote author=OneGreatRep link=1018729442/15#15 date=1063815000]Amx Sux.

Rebilling charges can will keep on coming in on a card that is lost, stolen or cancelled. American epress can't nor will not stop charges for a recurring bill. This is a agreement that the cardmember and the vendor have enter and have a comment to each other. American Express is a billing agent nor a legel firm.

If you preauthorized any contiunally billing it will come through as these vendors have a different agreemetn with amex.

For new pos transactions yes they will be declinded. You are always reposonable for the charges that come on the account. It is your account that is one of the things that come with growing up is responsiabity. Something alot of you don't want to know.

One Great Rep. devil [/quote]

I work for Digital Federal Credit Union. We are the 6th largest in the country and largest in New England and people love us.

And can I just say that the commetn above is correct. You cannot just call up your credit card company and have them just stop your Verizon pre-authorized withdrawal, IF you gave Verizon your information. This is a contract you have set up for Verizon to take money out of your account to pay for services. If services were not received and the amount is reoccuring you have the right [at least with our Visa] to dispute all transactions. If charges come in, we must honor them, we are liable as well.

I have had no bad experience with my American Express Blue Cash Card (except that Travel and Leisure magazine that was billed to me--which was taken off), although I've only had the card since last June and it is not my primary card.

Someone else on this page was b*tching about American Express's Terms and Disclosure section? Fine print, blah blah blah, excedrin, blah blah blah...i mean come on...there is a lot of fine print with EVERYTHING and EVERY credit card has it!! Do you honestly think that any ONE person is going to listen to everything and have it spelled out for them on the phone YEAH RIGHT...People are would still forget and blame US for not telling them, when it's all there in black and white...read it or don't, you signed it. Most companies are not hiding this information.

I don't work for AMEX, I've only used one of their products...but I'm still looking for someone with a legitimate complaint on this credit card page.

Although, if you are looking for an honest place to do business where EVERYTHING is free (except wire transfers, and 0.75 for Money Orders), plenty of incentives, and NOTHING hidden. You should check out [url=www.dcu.org[/url]]www.dcu.org[/url] -- Think Beyond the Bank. And anyone can join this one. Savings/CDs/IRAs/Checking/Loans/Visas/Mortgages/Financial Advising/and more...

DivinePrince

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Re: Sample Letter to Cancel AMEX card
Reply #26 - May 27^th, 2004, 10:47pm

This is my second post, but I am just now reading through all of these. I'm sorry, but most of you people are complaining about things that are not AmEx's fault. You don't want to read the disclosures, fine, don't...but how else are you supposed to know about such things like YOU MUST CANCEL ALL PREAUTHORIZED WITHDRAWALS (this seems to be a prominent one here). ALL credit cards do this, this is nothing new. You wanna blame AmEx?? Fine cancel AmEX...but you better just cut up your Visa and Mastercards as well.

Sorry. It's the way it goes. You set up that contract with another company. YOU are the one that needs to stop it. IF you inform them(lets take AOL for example - they are classic for this) to stop payments, if they do not stop (because you are stopping service) and another AOL charge comes through you can dispute the charge.

I work for Digital Federal Credit Union, and I work for an honest company (which actually has a lot of bad things to say about AmEx financial advisors), but as far as the Credit Card is concerned, these are standard procedures. Don't blame others for your problems and take responsibility.

Too many people just don't want to listen. Too many people get so MAD the very moment they hear one word that does no go their way. And I'm sorry, most of you people sound like this.

no1special0983

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Re: Sample Letter to Cancel AMEX card
Reply #27 - May 29^th, 2004, 11:16am

I work for amex i don't know why you guys are complaining about having to call i n to cancel the card we just want to make sure it is actually you and not someone pretending to be you - is that such a crime?

You guys really don't know how much amex does we are constantly changing the way we do stuff just so we can better serve our customers.. i've read threw most of this site and it's true most of you guys don't have a valid claim my guess is you call have bad credit and need someone to take it out on just because you can't control your spending habits.

if people would read the agreement when you sign for a card you would relize it's your own stupidity for your problems not amex.

I only see the same nicknames over and over again making complaints.. let me guess you guys belong to mastercard suxs and visa sux.com to right?

get a life and stop blaming amex for your problems

cosmaximum Amexsux New User Offline Member of Amexsux.com Posts: 5 Scotland	Re: Sample Letter to Cancel AMEX card Reply #28 - Sep 23^rd, 2004, 7:21pm As I've always seen, folk just mess up their credit. Don't blame the provider - it's your fault. Take responsibility.
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rjriley Centurion Member Offline Member of Amexsux.com! Posts: 3965	Re: Sample Letter to Cancel AMEX card Reply #29 - Sep 23^rd, 2004, 7:30pm Well this post was likely made by Remote, the head Amex stooge working this site. I believe that Amex should take responsibility for their incompetent, arrogant, and rude service.
Back to top	Ronald J. Riley&&http://www.rjriley.com/dud/american-express/&&Want to give Amex appropriate public recognition? Contact page http://www.rjriley.com/contact/

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