• Report: #188664

Complaint Review: American Express Blue Card

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  • Submitted: Wed, April 26, 2006
  • Updated: Wed, April 26, 2006

  • Reported By:Niles Illinois
American Express Blue Card
P.O. Box 297812 Fort Lauderdale, Florida U.S.A.

American Express Blue Card ripoff, balance transfer checks, incorrect information. deceitful tactics Fort Lauderdale Florida

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I was approached by the American Express Blue card with a new balance transfer offer; 12 months 0%. After calling in, I was approved for $8,200. Prior to even applying for the card I had specifically asked if I can use balance transfer checks to deposit these funds (read all of $8,200) into my checking account out of which I make my payments. I was told by rep (most likely someone in India) that Yes" I could do that. As a result, I decided to go ahead with the offer.

I was also instructed that these checks would be sent out in 7-10 business days. I was short on time because I was planning to fund my tax bill with these checks. These checks never arrived within the 7-10 business days so I called in to check if they had been sent out. The rep on the line; most likely still in India, told me that these checks were not sent out. I told him that I was dissapointed because I was counting on these checks to pay my tax bill. He said he would send them out promptly. I did receive the check around the 1st week of april, which I eagerly deposited into my checking account; per the info provided by American Express Blue rep.

Today, April 26th, 06 I come to find out that American Express checks did not go through due to insufficient funds - Can you Believe this? I come to find out that these checks can ONLY be used with a third party payees, and not with yourself unless you want to treat them as cash advances. Hey, I am not stupid to be willing to pay X% on cash advances if I know I can get these funds at 0% or very low rate; When Last Checked my fico score was over 800.

So since American Express is only able to explain to me how this process works and is unwilling, at least at this time to wire transfer the cash to my account I believe the offer they present is only partially true and anyone who is looking for balance transfer should watch out. It is even more dissappointing that they are not doing anything to fix this problem even though I have had other accounts with them in EXCELLENT standing; not late even once.

As a result of this mess, I am getting slapped with NSF fees and I am behind on my payments, which has not happend EVER.

Robert
Niles, Illinois
U.S.A.

This report was posted on Ripoff Report on 04/26/2006 07:54 AM and is a permanent record located here: http://www.ripoffreport.com/r/American-Express-Blue-Card/Fort-Lauderdale-Florida-33336/American-Express-Blue-Card-ripoff-balance-transfer-checks-incorrect-information-deceitf-188664. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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