![]() I had been calling AmEx since November or so of 2008 of that year to activate my account protector to pay the minimum balance for me as I had been paying for it since I got the card (with 0% interest for 12 months). I have been on Social Security Disability since November of 2006 and lost my job in May of 2007. I said I was going to get an attorney and they laughed at me like, Good luck, we do not care. This company is doing what ever they want to do with no consequences for their actions. Even if I pay the monthly payment, my balance goes up by $200.00 and some dollars a month. I have paid two of the accounts off but the last now is due to the increase. They raised my rate and when asked, they said that all the rates were changed and there is nothing they can do about it. I know they are trying to make her responsible, some how, if I do not pay. Now just recently I made a payment over the phone and they took it out of my checking account with my daughter who is not on the account as the remitter. I called to ask them why it said that, they explained that it was better for my credit if it said that, so just leave it be. When I received my bills, they said closed by the customer. They said that the could and because it was now a closed account, they could take the points as well. Now, I am deeply hurt with Amex who cheated and lied to me. I told them that I am not going to cancel that card because it would be a negative mark on my credit history (opening and closing a credit account in one month). How can Amex prove that I accepted the card if they didn't record the conversation? I didn't sign any paperwork because I was signed up over the phone! I asked them whether they can take out the annual fee for the rest of time that I keep the card and I was told that I can cancel the card. This is the second time that Amex people lied to me. I was lied again that those conversations were not recorded. I asked her to go through the recorded phone conversation when I was signed up. Now after receiving the card, the Amex rep told me that such a benefit does not exist. She convinced and tricked me into signing up for these new cards. I did the math along with her for 10 minutes to see how much I will save over one year after paying for the annual fee and the connect package fee. Someone has charged my credit card without my authorization, and rather than protect me, American Express is trying to make me pay for the unauthorized use of the credit card. I have been the victim of credit card fraud. ![]() Still, no response from American Express. There is no way to speak with the people that handle the disputes, I had to fax in the document with a reference number so that it would get attached to my file. How can American Express decide this against me? Assuming that there must be some misunderstanding, I have renewed the dispute, I had to type up a two-page letter explaining the problem in detail, and fax that in. Yet, the vendor never provided a service, informed me that they would be charging my card, or have my signature authorizing them to charge my card. The case was decided in the merchant's favor because, according to the letter that I received, the merchant provided charged receipts for both charges. ![]() There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.I lodged a dispute with American Express and explained the case to them. ![]() An application must be submitted to the issuer for a potential approval decision. Falling within this credit range does not guarantee approval by the issuer.
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