33 years a customer, doesn't feel like it !
I have been an American Express customer since 1990, I have 3 Platinum cards and two British Airways cards as well as my Wife also has one.
Recently after almost 33 years I received a letter asking me for pertinent information to identify myself, no problem with that I have been a UK resident all my life and I am 59, I have lived in the same house for 25 years banked with the same bank for 44 years am on the electoral register and so on.
However I baulked at the proof of income request, a request I might add that they sighted as mandatory under the KYC and MLA legislation. I am not aware and have checked to see if this is legislative and it seemed not.
I therefore asked American Express to provide me with the detail of the legislation they clearly state they are only requesting because they have to legally, they didn't provide it.
I raised a complaint, this was "lost" in their system for a month leading to them back dating it.
They found against me yet didn't contact me, the detail on the letter was incorrect on which they had based their extensive investigation.
When I asked for an explanation I was told because the complaint wasn't upheld they wouldn't engage and speak to me. Furthermore they have suspended my card despite saying they wouldn't until the process of querying the complaint was at an end, it clearly was already because they refused to engage.
I have over 400,000 Amex points, have never complained before in over three decades, always paid my bill in full and of course the ever increasing card fees which run at over £1000 per annum.
On three separate occasions I got differing information but they maintained that legally they must ask and glean my income, they mustn't but they want my data.
Oddly some companies will pay or reward you for such valuable information not strongarm you in to it under the guise of legality.
To say I am disappointed would be an understatement, used to be fantastic but they are broken.
My card renews in June I asked them to terminate it at renewal but they are unable to do this in advance their system won't let them, in this day and age, really ! Just tactics to annoy you even more and hope you forget.
I am sick and tired of retailers not taking it, or asking for payment by another method to avoid the merchant fees, the Concierge can never get you what you want even when you visit London the travel service is overpriced compared, the only value I glean living in Manchester is the Priority Pass cards that come with it, until recently not accepted at lounges because tour operators are charging customers for it and the lounges make more money. My bank premium account does likewise so think I will surrender in June and move on from the one sided relationship it has become and get on with my life, having first transferred all of my well earned points.
April 17, 2023
Unprompted review