Mahendra S.

I have had an American Express card since 1996 and was generally happy with them until now. But then things went south with both accounts.

For what transpired with the Hilton Honors credit card, please see a separate review I have published.
This review is about the Delta-AmEx credit card, which I obtained less than a year ago. Everything was good until Oct 12 when I noticed multiple charges from Airalo Singapore for $20, $20, $4.90, and $9.90.
$4.90 was rejected by AmEx and $9.90 was never completed so it was dismissed as an abandoned transaction. All charges apparently originated from Singapore by manual entry - but their system never flagged them as requiring authorization the moment they originated (viz: $20 and $20 charges).
I disputed both $20 charges and in less than 24 hours, AmEx justified them as valid charges and reinstated them (no docs were ever provided based on which they made these determinations). After the Hilton Honors and this experience, this was the last stroke.

I have closed all my AmEx cards and would never use them again. Adios American Express!

May you learn to understand how fraud is done, how to fight fraud, how not to penalize card holders for your failings, and how to retain customers. But perhaps I am hoping too much.

I have been a Hilton Honors member through American Express since 1996 and was generally happy about them until now. Suddenly, in July 2023, they deducted points from my account. I contacted them and they directed me back to American Express. Then I wrote to both the American Express CEO and Hilton CEO. After a few weeks of investigation, this is what I am told:
"Our records indicate that your Hilton Honors account had a negative point balance of 1,392 since March of 2006. As you recently resumed use of your account, points earned from the transactions billed on your July 2023 statement were used to offset this negative point balance. Regrettably, we do not retain transaction records beyond seven (7) years and therefore cannot specify the transaction(s) that lead to the negative point balance."
But I always had a positive point balance in this account until Dec 2022 when the last points were used to pay for an Amazon order! Why weren't these points deducted between 2006 and 2022?
I think this is just another way to fleece the customers under the pretext of "we don't know why you owe us, we just know you owe us"!
I am going to close this account and move on. Adios Hilton and American Express!

I write this to share my grave concerns regarding LOT baggage handling and reimbursement policy. Recently I flew LOT Business Class from Toronto to Mumbai via Warsaw on Aug 25-27. Both flights were fine and the crew was very pleasant. The food was also good.

We arrived at Mumbai Airport on LO75 at about 3 AM on Aug 27. After waiting for about an hour, we (about 50 to 75 people) realized our bags hadn't come. We all went to the LOT Baggage Counter and a crowd was already milling there. It was impossible to get anything done there but after a while, I got a Baggage Complaint form and filled it out to the best of my ability. Finally, after getting the form stamped here and there, running here and there, about two hours later I got out – still not knowing if everything was done or if things were incomplete. The PIR report had no information filled in by the local LOT workers so I couldn't track it through LOT automated systems. Local LOT contractors refused to give any local numbers.

Before flying on to Sri Lanka 2 days later, I wrote to the LOT CEO. Luckily, LOT forwarded my baggage to Sri Lanka but I had to go pick it up at my expense.

For the grave sickness I was undergoing, my medicines were in those delayed baggage so I had to buy replacement medicines in Mumbai. Plus all the food my family had made with love was spoiled due to delayed baggage.

Instead of compensating me in full for all the cost of medicines, I was reimbursed $100 + baggage pickup charges. I requested that it be deposited to my US bank account by ACH so I get the full amount. But, LOT deposited it as a Wire Deposit so my bank deducted $10 as an incoming wire fee. When I asked LOT to reimburse the Wire Fee, they refused.

So, all in all, I lost upwards of about $400 in this saga, not to mention the stress and pain. Based on my experience, I would NOT fly LOT again.

This is a review of the Chase VISA Card Benefit Services, which is supposed to help the consumers but what it does is really help themselves. How?
I bought a new Dell laptop in 2019. It ended up with a hinge problem resulting in broken LCD assembly + an inflated battery resulting in broken covers. I filed an online claim with Card Benefit Services (CBS). They quickly denied it stating I did not provide a US warranty (!). They NEVER read the warranty. I proved I had the US warranty. Now they paid up the initial claim, being proven liar and non-credible. However, the second claim about broken covers, they have never paid, in spite of escalating the complaint to James Dimon and Gordon Smith of Chase Executive Management and VISA CEO Alfred Kelley.
Chase, unfortunately, approves of this tactic and despite repeatedly complaining to them, they have refused to do anything.
CBS is the biggest fraud on unsuspecting customers. It gives you a false sense of security when there is none to be had. CBS will approve all small claims while denying the large claims, and since there are more small claims than large claims, they can show a great experience rate and claim pay-up rate. A scam that Insurance Regulators and AGs should investigate.