American Express Merchant Services Reviews

Lost my card over 18 months ago. Which means I have zero access to statements, because they’re only available online. And I have zero access to my online account, to even see what is due, or when, because you have to have your card and card number for that. I’ve called and emailed repeatedly asking them to cancel that card, to send me a new one, to provide me with statements, etc. All that they do is verify my contact information, my income, and then ask for my bank account information so they can set up automatic payments. I have explicitly started phone calls by telling them I am ONLY calling to cancel the card that was lost 18 months ago to ensure there are no fraudulent charges and to regain access to my online account and statements so that I can ensure they are probably applying payments, and they have failed to do either for me in over 18 months. Have even filed complaints with BBB, AG, etc. Their response is always “we’ve reached out to the complainant directly to resolve the matter,” then send me a printed letter that says “call us on our general toll-free customer service number…” the same one that has repeatedly done nothing but beg for my bank information and ignore my actual reason for calling.

This company is a scam that cares ONLY about keeping the bills coming to you and getting your bank account information. There are a million other credit cards out there, and literally every single one is more legit than American Express.

Same issue here. They horrible. I know a bunch of companies that REFUSE to accept AMEX. There are id eeeee ottts. I also understand 89% of their workforce work from home…..not much getting done.

First – the above review is inaccurate and terrible. American Express Merchant Services is just plain horrifically bad. just terrible. They ALLWAYS side with the cardholder. You buy something and do not want to pay for it – USE an AMEX – you will get oyur money back. Their customer service peopel are terrible. Their fees can be TWICE as much as VISA and Mastercard. Good luck if you get a chargeback – they WILL NOT help you and the cardholder is always right. They are a nightmare. I really want to warn others – their service has gone way down hill the last year – they have people there unqualified to handle Merchant Questions. We no longer accept AMEX – I know there are MANY more horror stories on the interent – the BBB has MANY of them. I strongly advise NOT accepting AMEX.

AMEX is NOT for the merchant. I had a chargeback. Sent in all the documentation. AMEX gave me back the money. A month later, they took the money back again. I re- sent all the documentation. They denied payment saying I never provided the info which was a total fabrication ( it was documented), but you as a merchant, can not talk to them directly and automatically loose even though you provided and proved you completed the service. They then tell you to sue the client directly. This means you are out of the money you laid out for over a year, and you need to start a court battle on your own. My advice as a business owner… take every card except American Express. I guarantee they will screw you over if a customer complains even when you are 100% right.