kathleen.wesley.7

Very dissapointing service. Terrible customer service Slow to no response at all from staff via email or phone calls. Do not recommend at all! Access pay recently cancelled my…

card and service without any prior warning and it had $1209 on it, I have tried to follow up numerous times to find out where the funds went - to no response. It's basically theft.

I had many services linked to the card with auto pay or auto direct debit that was scheduled to come out of the account as well which has really impacted my life now.

I have attempted to contact your customer service team by phone and email but have received no response since.

I’ve been an American Express customer for 5 years and held a Platinum card with a $25,000 limit. Over the past year, I worked hard to pay my balance down from around $6,000 to…

$500 through consistent repayments.

Despite this, American Express continued charging around $27 per month in interest on the remaining balance — close to 47% annually — making it unnecessarily expensive to finish paying it off.

I contacted Amex multiple times asking for any goodwill or retention support (temporary interest relief, a one-off interest credit, anything) to help close out the balance. I was clear I was not asking for hardship, not asking to pause or close the account, and not trying to avoid paying.

The response? Nothing. No flexibility. No recognition of repayment history. No value placed on loyalty. The only “options” offered were hardship arrangements that impact your credit file or account closure — completely inappropriate for someone who has nearly paid the balance off.

At this point, it’s clear American Express is happy to bleed customers with high interest and offers zero support unless you’re in full financial crisis. If you’re doing the right thing and paying your debt down, don’t expect any help.

Premium branding, premium fees — but no premium customer care when it actually matters.

I’m now actively moving my business elsewhere.

Zip Pay is nothing more than a predatory company cashing in on the poor and people’s misery. Their outdated system is deliberately confusing, their customer service is useless,…

and the only thing they seem to care about is adding more late fees to squeeze extra money out of people who are already struggling.

I pay every single one of my bills on time with no issues — the ONLY company I’ve ever had problems with is Zip. That says it all. Instead of helping customers, they hide behind a broken communication system and then punish you with charges when things go wrong.

Zip Pay thrives on profit, not people. They make money off hardship and don’t care about transparency, fairness, or customer wellbeing. If you’re considering using them — don’t. They’ll happily cash in on your stress.

Totally useless service – A totally useless service charging exorbitant yearly fees for a basic card that doesn’t even work with many retailers. There customer service staff is non-existent and it can take…

weeks (if not months) to provide the most basic level support such as issuing a new card. There is zero communication about the service and what your signing up for. One example that caused me an enormous amount ofstress, when I first signed up no one told me you have to spend all the funds off the card before March 31st. otherwise your money is void. I started in my role in January and by March I was still waiting for a the first debit card to be sent out, it took them at least 3 months to send my 1st and only card out meaning I was about to lose all my funds I had just worked for and I had no way of accessing that money. Then I finally got the card I think a day before the cut off period of March 31st so then I had to find a way to spend $2000 quickly with that card was now void and then had the wait another 3 months for another card to be sent During the time, I emailed, called and got no response, no empathy, no resolution, staff could care less. Also you will be calling an Indian offshore site and will be on hold 1-2 hours before you reach someone so don’t ever expect to get any quick resolution or to speak to anyone that can speak english. They can't even provide the most basic level of customer service human empathy and understanding even a monkey could do this job yet they fail on a regular basis to do the most basic of tasks.

Staff are rude classes are basic – Staff are rude and didn't provide a positive experience Classes are the most basic with instructors giving no motivation at all to teach a class Timetable is wrong and no accurate…