I carried a balance of $1 ,500 on Amex charge from December 2010 made payments of $300-350 until March 2011 AMEX contacted me and I set up a payment plan explaining I had been unemployed for a year and could not pay full bal at the time
Payment was set for $130 per month for 12 months interest deferred and charges fair deal with auto pay option so first month I sent $200.00 and Amex also deduct a auto pay of $130 for a total of $350 the following month i made a payment $150.00 no deduct out of my checking okay I sent a payment so auto payment did not kick in because I sent it way before due date for auto pay ( so I thought great)
the following month I figured that the auto pay would deduct automatically the same in July.( save myself time and paying on line or other so I thought I never even questioned the process--my mistake here
Amex started calling over a period of which i di not keep track i ignored the calls figuring some sales pitch or other not againi had no reason to think otherwise everything is fine wrong
I received a letter 08-15-2011 stating I have been expelled from payment plan I called Amex explained that I was under the understanding that the auto pay was setup to protect both Amex and myself they stated that the auto pay was only for the first payment and that I did not request nor did they verbally offer at the time of setting up the auto plan a 12 month auto pay this was also confirmed by Tim the floor supervisor 08-15-2011 that it was against the policy for the customer service to verbally offer this feature- remember they have my checking account # and the payment paln is titled auto pay MISLEADING and devious
NOW--My option pay the entire balance by end of month otherwise they will report my account delinquent 21o days from the time the payment plan was set up this was stated by both customer service and the second call to a floor supervisor Tim
I inquired why I was not notified at 30 days if there was a problem via mail or at 60 they stated that they were not obligated to send written notification but only call which over a 74 day stretch a total of 11 times also no e-mail notification until the day I spoke to Amex after mentioning my confusion and feeling of violation and being duped i received a e-mail shortly there after
I made the payment $130 and was forced into committing to the balance of $680.00 by the 29th of this month no other option ( well done Amex )
Of course I had to pay the $125 membership to also keep the payment plan earlier in 2011 as part of my obligation which i agreed was billed and payed .
If this isn't banking at its worst-- I had been a member for 6 years and charged monthly and always paid full bal due on top of that I had a platinum business card from 2006 to 2010 for business and same deal
Where and who can help and advise?
Sincerely
Pissed off at the system
JC 1286389
Payment was set for $130 per month for 12 months interest deferred and charges fair deal with auto pay option so first month I sent $200.00 and Amex also deduct a auto pay of $130 for a total of $350 the following month i made a payment $150.00 no deduct out of my checking okay I sent a payment so auto payment did not kick in because I sent it way before due date for auto pay ( so I thought great)
the following month I figured that the auto pay would deduct automatically the same in July.( save myself time and paying on line or other so I thought I never even questioned the process--my mistake here
Amex started calling over a period of which i di not keep track i ignored the calls figuring some sales pitch or other not againi had no reason to think otherwise everything is fine wrong
I received a letter 08-15-2011 stating I have been expelled from payment plan I called Amex explained that I was under the understanding that the auto pay was setup to protect both Amex and myself they stated that the auto pay was only for the first payment and that I did not request nor did they verbally offer at the time of setting up the auto plan a 12 month auto pay this was also confirmed by Tim the floor supervisor 08-15-2011 that it was against the policy for the customer service to verbally offer this feature- remember they have my checking account # and the payment paln is titled auto pay MISLEADING and devious
NOW--My option pay the entire balance by end of month otherwise they will report my account delinquent 21o days from the time the payment plan was set up this was stated by both customer service and the second call to a floor supervisor Tim
I inquired why I was not notified at 30 days if there was a problem via mail or at 60 they stated that they were not obligated to send written notification but only call which over a 74 day stretch a total of 11 times also no e-mail notification until the day I spoke to Amex after mentioning my confusion and feeling of violation and being duped i received a e-mail shortly there after
I made the payment $130 and was forced into committing to the balance of $680.00 by the 29th of this month no other option ( well done Amex )
Of course I had to pay the $125 membership to also keep the payment plan earlier in 2011 as part of my obligation which i agreed was billed and payed .
If this isn't banking at its worst-- I had been a member for 6 years and charged monthly and always paid full bal due on top of that I had a platinum business card from 2006 to 2010 for business and same deal
Where and who can help and advise?
Sincerely
Pissed off at the system
JC 1286389
 Be first to comment this article |
 |
| Comments on AMEX Auto plan | |
• Keep the topic of messages relevant to the subject. • Personal attacks will be deleted. • No Links or Scripts. |
