AMEX: Inflexible and bureaucratic makes the possible, impossible
I’ve been an AMEX customer for 7 years, never missed a payment and had decent service from them until today – when I needed them to do something slightly out of the ordinary. You might think posting a 1 star review is a bit OTT. But remember this is the company that promises to “make the impossible, possible”. Here’s what happened.
I lost my wallet yesterday containing the debit card I usually make payment with. My fault. Today is my due date for payment. Again, my fault. So I called to cancel my card and find an alternative way to make payment, or get an extension to pay within the next 5 working days when my new debit card arrives. Not an unreasonable request remembering 7 years of on time payments.
The cancellation went fine and I should have the new card in 3 days. The agent also updated my Apple Pay account with the new card details, without me even asking. Nice. That’s good service.
Then I tried to find a way to pay my balance due. Hoo boy!
No chance of an extension to pay when my card arrived. Now to my mind, exercising some discretion here is totally within AMEX’s gift. Seems neither the agents nor their supervisors are empowered to make those calls – even for a long-standing customer with an impeccable payment history.
To make payment via online banking, my bank (HSBC) requires me to enter my full card number so the payment could be tracked and attributed to my AMEX account without the risk of error. Fair enough.
Problem is I don’t have the full number because:
1) I’ve lost my card and don’t have a physical copy of it – that would be dumb to leave lying around.
2) The full number can’t be found in their online account system – a security measure I guess, even though you’re within a supposedly secure environment behind a log in screen. Maybe AMEX doesn’t trust its own security?
3) Agents can’t tell you your full credit card number over the phone either, again for security reasons. This is despite the fact that I’ve been through all the security checks to talk about every transaction I’ve made.
In the end I spent nearly 2 hours on the phone to AMEX today trying to sort it out and get a clear answer about how to pay. They made this far harder than it needed to be and gave absolutely no ground on an extension to pay this one time, considering the circumstances.
So 1 star for the company that, in reality, makes what is easily possible and within control within their own systems, impossible.
American Express, just be honest and say you’re as inflexible (in fact far more so) as any other bank or credit card company.
What a disappointment.
Date of experience: May 05, 2017