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Amex Platinum conversation

Contributor

Amex Platinum conversation

So, I applied and approved for the AMEX Platinum a week ago. I got the card and used it for a couple of purchases. Last night I got an email from Amex that there is a security concern, and possible fraud. I call, speak to a rep and verify everything.. He asked if I created the application, and I replied yes. We talked and he looked into the system, and verifies a few things. He calls me back on my phone to verify my identity. All this, because to the best of my understanding fraud is on the rise.. I just found all of this odd, as there were no charges outside of my purchases. Could this have been a random pull from their security team or something?
Message 1 of 10
9 REPLIES
Moderator

Re: Amex Platinum conversation


rex_03 wrote:
So, I applied and approved for the AMEX Platinum a week ago. I got the card and used it for a couple of purchases. Last night I got an email from Amex that there is a security concern, and possible fraud. I call, speak to a rep and verify everything.. He asked if I created the application, and I replied yes. We talked and he looked into the system, and verifies a few things. He calls me back on my phone to verify my identity. All this, because to the best of my understanding fraud is on the rise.. I just found all of this odd, as there were no charges outside of my purchases. Could this have been a random pull from their security team or something?

I'm not certain many people haven't gotten a call from them with first membership on a charge card.

 

Seriously happened two transactions in on the first day on my Zync, and have heard of many others report similarly.  Business as usual, nothing to worry about.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


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Message 2 of 10
Contributor

Re: Amex Platinum conversation

Ahh, so a charge card is a little more verification, and caution on their side. Gotcha. After my conversation with Amex the rep stated he would release the notes or concerns on my file. That's a good thing, as I was at dinner finishing up, and ready to pay. A decline would have blown if I didn't see the email I'd gotten.. Lol
Message 3 of 10
Valued Member

Re: Amex Platinum conversation

No declines at dinner, that's my rule too. I could care less if it declines at just about anywhere else, but when I'm at dinner/bar/club etc it just feels so stupid to have the card declined lol


Current Scores:
EX: 675 12/2014
EQ: 698 01/2015
TU: 714 07/2014
Last App: 05/27/2014
Goal : 750 Across the Board
Message 4 of 10
Valued Contributor

Re: Amex Platinum conversation

My first (from Amex's pov, I had an Amex 30 years ago that they long since lost record of) card was a Plat. Never had any calls or security emails from them and I've used it heavily from the start.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Message 5 of 10
Regular Contributor

Re: Amex Platinum conversation

I don't think its card specific. I had to jump through some identity verification hoops to be approve for my charge and credit card. Same story with Discover. I don't mind doing it, liability for fraud is going to land on the issuer but I would be unhappy to have my card randomly declined.

Starting Score: EQ 599, TU 577
Current Score: EQ 703 9/20/14(HI 741 on 5/13), TU 690 10/1/14 (HI 751 on 5/13), EX 700 10/1/14
Goal Score: 750+


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Message 6 of 10
Established Contributor

Re: Amex Platinum conversation

OP,  same thing happened to me the first week I got my Plat. I was already traveling and it set off fraud alerts. Called them and they said I had to get paperwork notarized for proof of identity and then fax it in. Was a hassle.

 

I've had a few more fraud alerts since then,  but only had to call in to verify instead of faxing notirized paperwork. So much for a travel card.

     
Message 7 of 10
Established Contributor

Re: Amex Platinum conversation

I had a very similar experience when I applied and was approved for the PRG and BCP last year. I've been a member since 2004 and that was the first time I felt like I was jumping through hoops to verify my identity.

FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
Amex Blue Cash | Amex Mercedes Benz | Amex Schwab Platinum | Amex SimplyCash Plus | Barclays Uber Platinum Visa | Chase Amazon Prime Visa Signature | Chase Freedom Visa Signature | Chase IHG Premier World Elite Mastercard Discover IT Miles | Discover IT More | Lowes Advantage | Macys Store | NFCU Flagship Visa Signature | Penfed Pathfinder Rewards Amex | USAA Limitless Rewards Platinum Visa
Message 8 of 10
Contributor

Re: Amex Platinum conversation

^^^^^
I have been a member since 07. It is kinda odd having to verify myself too. I can understand
Message 9 of 10
Highlighted
New Contributor

Re: Amex Platinum conversation

I had my Platinum card for a couple weeks now. I have been travelling all over USA and Mexico right now. And I have not had any alerts with them yet! I hope we can keep it that way lol But I did cal land tell them I was going to be travelling. Just in case. 

Message 10 of 10