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Amex not applying my payments toward my balance
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My statement closed May 24.

I owed 3582.95.

I sent $800 as an online payment right after getting my statement, which should have dropped the balance to 2782.95.

The following day, May 25, I see line item transactions for -800 and then 800 which should cancel each other out; however my balance is now $800 more than it was when I sent the payment.

I did not spend exactly the same amount in one day as I sent them toward the payment and not know about it. I gained about $30 in interest and spent about $20 on purchases on May 25, not $800. Yet my balance is now around $4400.

I spent ELEVEN hours between phone and online chat yesterday and could not get one person with a modicum of intelligence to understand that my balance shows I now owe $800 more than I spent.

I am at my wits end.

It would now take $1600 to bring my balance down to where it should have been with the payment cleared.

I think Iโ€™m just going to owe Amex an illegal $800.

I donโ€™t know how else to explain that if they removed a credit for $800 (that never applied to my balance), how do I owe double what I told them to draw in the first place?

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1 year ago