- Feb 14, 2002
Having dealt extensively with Amex, Chase and Citi Citi has, by far, the worst customer service of the three. Even the service for their top tier card sucks as the reps are clueless and have almost no power to do anything. I did not experience the issues you did when calling Amex's fraud dept at 3am EST. It was a quick phone call and resolution although Amex hasn't kept up with the times and their policies\procedures\offerings have fallen behind. Chase makes both of them look like terrible in comparison
So you were out of the country and called Amex's collect number from back of the card and was able to speak with someone at US Amex's fraud dept at 3am EST? When was this?