American Express

I am a joint account holder at American Express Savings Bank, and during the course of the last five years, whenever I have called into Amex, I heard the most reprehensible, inaccurate information provided when I asked for physical copies of the joint savings account at Amex. The reprehensible excuse I heard was that Amex was only required to supply statements to the first-named account holder.

So I eventually went onto Amex's website and also used Gemini AI, and that is when I found out the following: American Express Personal Savings Joint Account guidelines indicate that statements and communications are considered delivered to all owners when sent to any one owner. Both owners can typically access statements, but only the first-named holder receives tax reporting. Statements are sent electronically if consent is provided, or by mail otherwise.

Key Statement & Communication Guidelines:

Delivery Policy: Sending communications to one joint account owner constitutes delivery to all account owners, effective on the day of sending.

Access: Both owners may access bank statements.

Electronic vs. Physical: If electronic delivery is consented to, statements are delivered electronically. If consent is withdrawn by any owner, American Express is legally required to send physical copies.

Tax Reporting: While both owners can view statements, only the first-named account owner (listed first on the account) will receive tax reporting (e.g., 1099-INT).

Reviewing Statements: Account holders must review statements promptly and notify the bank of any errors, unauthorized, or forged transactions within 60 days of the statement being made available.

If you need to update communication preferences or check on statement delivery, you can manage these via the Account Services section on the American Express website.

In July 2025, I became aware that Guardio had again used my business card ending in 72008 in May 2025 to charge for the same services they fraudulently charged me for back in 12/23. I also became aware that American Express had charged late fees against my business card for my failure to make a payment towards Guardio's May charge. I was unaware my card had been used.
I immediately contacted American Express and filed a dispute for the May Guardio charge and the American Express fees. I indicated in my 2025 dispute that the Guardio 2023 dispute settled in my favor. I asked why I would allow Guardio to again charge for services I did not request or authorize, and more importantly, why was my business card still active. I also requested American Express reverse all late fees against Guardio's 2025 charge, considering I have been an American Express customer for over thirty years and never failed to pay my account in full each month and incurred no late fees for over thirty years.
In September 2025, American Express denied my dispute. They indicated I failed to request cancellation prior to Guardio's May 2025 billing. Furthermore, according to Guardio's policy, cancellation must be done before the subscription renews by contacting their customer support team or by logging on to their website. American Express suggested I reach out to Guardio for a mutually agreeable resolution.
I immediately called American Express and asked them if they received written evidentiary documentation from Guardio supporting their contention that I had authorized service or given them permission to charge my credit card. I asked American Express to send me a copy of all documents related to their decision from Guardio. What I received was an unreadable Transaction Receipt and a copy of Guardio's policies. I again called American Express requesting they provide a readable Transaction Receipt. As of October 2025, American Express has failed to fulfill my request.
On 9/3/25, I paid the full balance of $193.88 to credit card account #72008. This payment was applied toward the Guardio charge and American Express fees.
On 9/9/25, I sent Guardio a letter with an outline of my concerns. I received an email from Taylor from Guardio indicating my message was escalated to a specialist on our team for further review. I later spoke with someone from Guardio about what documents they had indicating I signed up for their service or allowed them to bill my credit card. I was told they would only have emails.

I used my American Express card for their car rental insurance benefit. The trip was to Greece, and the car had been hit while parked.

I returned to the car, and the company charged me $1,300 in damages that I paid at the desk. I reported it to American Express along with all of the documents that they asked for. That was 3 months ago, and they have come back asking for a list of documents that are far more complicated for my understanding of what the agency covers in their contract, what the laws are in the territory where I rented, etc. I basically would need to take this investigation work on as a part-time job.

They aren't handling anything, expecting the customer to get exhausted with their requests and give up trying to collect. It is outrageous.

Do not depend on them for car rental insurance when you are renting. It's a hoax.

Major Disappointment Red Alert: Avoid the AMEX Marriott Bonvoy Card

I am writing this as a major warning to anyone considering the AMEX Marriott Bonvoy credit card. Please, do not sign up for this card.

My experience has been nothing short of frustrating, misleading, and a complete waste of time and money.

I signed up for this card in July 2024, with the clear promise that I would receive one free night certificate on the anniversary date. I used the card regularly with good spend, and after one year, no free night was added.

Heres what followed:First call: I was told to wait 8 more weeks. Nothing happened.Second call (August): Told to wait until September and that the certificate would appear. At this time, the annual fee was charged without clear notice.

I was assured that once I paid it, the free night would be added.September 23 call: Another representative guaranteed the night would be added by the end of September. Still nothing.October 2 call: A supervisor (Alicia) told me there was a balance and only after I paid it could they reach out to Marriott. I paid immediately. She promised to follow up within 2 days.

I never got a call.Multiple follow-ups: Each time, I was told wait 2 days, supervisor will call. No one ever called. After weeks of back and forth, another agent finally admitted the free night could never be addeddespite multiple prior promises.

This is completely unacceptable. I cancelled my card immediately.

To make matters worse, I am not the only one.

Three of my family members also have this card and all of them have had similarly bad experiences with AMEXs customer service. They are also cancelling.

This card is misleading, the customer service is unhelpful, and the overall experience is a total letdown compared to what American Express used to be known for.

Red Alert: Do not waste your time, money, or trust on the AMEX Marriott Bonvoy card. The benefits are not delivered as promised, the service is inconsistent, and the frustration is not worth it.

DO NOT GET THIS CARD. American Express just slammed me with a $70 late fee that exposes them as a predatory lender that will bleed you dry at every opportunity.

This $70 robbery isn't a mistake - it's their business model.

While other cards charge reasonable $25-40 late fees, Amex deliberately sets theirs at $70 to maximize profit from your financial difficulties. They're literally profiting off people's worst moments.

STAY AWAY FROM AMERICAN EXPRESS ENTIRELY. This isn't just about one bad policy - it reveals a company culture that sees customers as prey, not partners. They will find every possible way to extract money from you.

There are DOZENS of better options.

Chase, Capital One, Discover - literally any other major issuer treats customers more fairly than this financial predator.

I'm warning everyone I know: AVOID AMERICAN EXPRESS COMPLETELY. Don't give them the chance to financially abuse you like they did me.

Their $70 late fee is just the tip of the iceberg of how they'll exploit you.

Save yourself the financial pain and choose ANY other card company. American Express has shown their true colors - believe them."

I am filing this complaint due to American Express refusal to work with me on a resolution plan for a high balance across three of my accounts (1 Platinum and 2 Cash cards). These accounts were closed after a single incident involving a comment made during a phone call to a representative who was being extremely rude to me.

Despite multiple attempts to reach a reasonable resolution, American Express has refused to offer a temporary hardship payment plan or consider reinstating my accounts.

I am actively trying to pay this debt in good faith and avoid further credit damage, yet I have been met with no willingness to cooperate.

This level of inflexibility is both punitive and concerning, especially given the size of the balance and my willingness to resolve it. I am prepared to escalate this further to regulatory authorities, including the CFPB and my State Attorney General, if I continue to be denied a fair path forward.

I request that American Express reevaluate its stance and allow me to reestablish my accounts under monitored terms.

I charge items on my American Express card but pay the balance off in full every month and I've had my card for years. I am old school so I prefer paying by check each month.

All was great until recently I noticed my payments weren't being processed in a timely manner. I'd send in my payment allowing 10 business days for them to process but here recently they were not processing my payment in 3 days like they had been. What I've discovered is they hold up my payment until after my due date and hit me with a late payment charge and interest. I even called in to pay it online and I was told it went through and given a confirmation number.

But, they'd wait until it was past due and when I'd call them they would tell me the charge didn't go through and again charge me a late charge and interest on my charges. This is their new scam to get monies from me. I confronted them and advised holding my checks and charging me late charges was messing up my impeccable credit. They doubled down and the next month the same thing.

So I'm paying them off and canceling my card. I wouldn't recommend new card seekers to go with American Express they are scammers and will ruin your credit!!