Yes, I would whole heartedly agree, that AMEX belongs on this list, but dont despair.
I had an AMEX account, and I disputed a charge from an auto mechanic. After they did their "investigation" they told me to pay up. They did not do ANY investigation. AMEX is a bunch of liars, like from month to month, they would frivolusly decline transactions, because one month I was approved for their card, and then the next, they would shut off my line. It was all very frivolous.
Eventually, I did end up paying the balance, but they revoked the card, and added some fee, and it still showed up on credit report as a charge off anyway!!
It literally took me three years, of just re-disputing the same all debt over and over again, but eventually it did come off.
Three years later, under the business, they issued me a $20,000 credit card, but I did not take it because I was squeamish, AND they did the bad thing of reporting business debt as personal, so I never used the card.
Just stay strong.
AMEX, it really depends on who get on the phone. They are very frivolous and hap hazard, like when I was using the card. I would call up to see why a certain transaction would not go through, and they would say something like, "your income does not support the line" I cant remember what I said, but then , the guy ended lifting the freeze, and I could use the card again.
I am afraid of AMEX.. They report to ALL THREE CREDIT BUREAS, and they go out of their way to change every little commment!!!!
Even after they agreed to take it off, the status should 've been paid as agreed, but they took 5 years of payment history off completely.
Edited by Admin3496 for language