Highly upset with AMEX over Mafioso Tactics

[KingAdrock]

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@Anonymous wrote:
hi 74King..i think you'd better call their office again and talk to their higher officers to confirm that you are having problems with you account

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I'd call their office and complain to a higher officer about the CSR's rudeness. FRs are bad enough already, but dealing with a rep who's a jerk just adds insult to injury.

It's also mind-bogglingly dumb on Amex's part, IMHO. When a CSR hits you with "Show your tax forms or be canceled", AND treats you like dirt... that easily leads to good customers canceling out of anger. When a CSR's job is handling something that important they really ought to be more genteel.

[Anonymous]

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@KingAdrock wrote:

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@Anonymous wrote:
hi 74King..i think you'd better call their office again and talk to their higher officers to confirm that you are having problems with you account

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I'd call their office and complain to a higher officer about the CSR's rudeness. FRs are bad enough already, but dealing with a rep who's a jerk just adds insult to injury.

It's also mind-bogglingly dumb on Amex's part, IMHO. When a CSR hits you with "Show your tax forms or be canceled", AND treats you like dirt... that easily leads to good customers canceling out of anger. When a CSR's job is handling something that important they really ought to be more genteel.

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Exactly...being talked down too by this gentleman was the worst feeling i felt since my freshman days at high school 20 years ago when i was involved in altercation with a Senior because i was looking at his girlfriend to long and was slapped in my face in front of everyone. I'll never forget that day, i felt like a peon then. And that day was relived this morning when the call came in.

[haulingthescoreup]

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74king wrote:

Exactly...being talked down too by this gentleman was the worst feeling i felt since my freshman days at high school 20 years ago when i was involved in altercation with a Senior because i was looking at his girlfriend to long and was slapped in my face in front of everyone. I'll never forget that day, i felt like a peon then. And that day was relived this morning when the call came in.

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74king, I hope she was looking back!

One of the ways that I have made my life a little better is to decide to let go of nasty treatment by total strangers. I have no control over them; they decided to be rude long before I appeared on the scene; so it really isn't something that I triggered by my actions. They're just jerks and/or idiots, or mybe they're just having an incredibly bad day.

Again, it doesn't excuse it, but it takes away my emotional reactions to the actions of a total stranger.

[Anonymous]

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@haulingthescoreup wrote:

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@Anonymous wrote:

Exactly...being talked down too by this gentleman was the worst feeling i felt since my freshman days at high school 20 years ago when i was involved in altercation with a Senior because i was looking at his girlfriend to long and was slapped in my face in front of everyone. I'll never forget that day, i felt like a peon then. And that day was relived this morning when the call came in.

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74king, I hope she was looking back!

One of the ways that I have made my life a little better is to decide to let go of nasty treatment by total strangers. I have no control over them; they decided to be rude long before I appeared on the scene; so it really isn't something that I triggered by my actions. They're just jerks and/or idiots, or mybe they're just having an incredibly bad day.

Again, it doesn't excuse it, but it takes away my emotional reactions to the actions of a total stranger.

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Your absolutely right.......and as for the girl, she can up to me later that day before i went to Drama class and apologized for what happened....can you believe that. apologizing for what he did. I'm still trying to figure it out why woman fall for those type of guys. Way off topic Maybe one of these days I'll find out, who knows. 

[athensguy]

I like the bronze rule: Treat others as they treat you.

[Watchmann]

Haven't been FR'rd and I hope I'm not.  All CL's on all my accounts are intact, but I'm only running about 3% util.  Anyway, I think where you live and who you work for (industry) has a lot to do with who gets the 'bend over' exam.  FICO scores have been quickly shown not to be the 'be all - end all' indicator of who is at risk.  No one has posted where they live or line of work, but it doesn't seem unreasonable that two people with similar financials (FICO and length of account) should not be treated the same if one lives in Phoenix and works as a home builder vs one that lives in Houston and works in the oil industry.  AMEX's attitude may leave something to be desired but these are NOT dumb people.  They have very sophisticated AI systems that can sift and sort data.  I have to believe they are more advanced than VISA / MC in this area and they are out front in this area.  If I get FR'd so be it.  I'm not going to throw away 3 accounts dating back to 1980.  Let 'em look.  We are only partly way through this rearrangement of credit so many people will have much more scrutiny put on us to see if we are good credit risks.  That's the way it used to be and that's where we have to get back to.  Loose standards were a disaster.  We should be treated with respect but I don't think we should be insulted when asked to show our real financial position.  FICO just doesn't cut it any more when it can be gamed so easily.

Message Edited by Watchmann on 05-28-2009 11:21 PM

[MattH]

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@Watchmann wrote:
Haven't been FR'rd and I hope I'm not.  All CL's on all my accounts are intact, but I'm only running about 3% util.  Anyway, I think where you live and who you work for (industry) has a lot to do with who gets the 'bend over' exam.  FICO scores have been quickly shown not to be the 'be all - end all' indicator of who is at risk.  No one has posted where they live or line of work, but it doesn't seem unreasonable that two people with similar financials (FICO and length of account) should not be treated the same if one lives in Phoenix and works as a home builder vs one that lives in Houston and works in the oil industry.  AMEX's attitude may leave something to be desired but these are NOT dumb people.  They have very sophisticated AI systems that can sift and sort data.  I have to believe they are more advanced than VISA / MC in this area and they are out front in this area.  If I get FR'd so be it.  I'm not going to throw away 3 accounts dating back to 1980.  Let 'em look.  We are only partly way through this rearrangement of credit so many people will have much more scrutiny put on us to see if we are good credit risks.  That's the way it used to be and that's where we have to get back to.  Loose standards were a disaster.  We should be treated with respect but I don't think we should be insulted when asked to show our real financial position.  FICO just doesn't cut it any more when it can be gamed so easily.

Message Edited by Watchmann on 05-28-2009 11:21 PM

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All true, but AMEX should be able to form a reasonably good notion of my financial position from information they already have or can readily obtain:

• I've had a personal account with them since 1982 with an excellent payment history

• I have not carried a balance with AMEX for years
• Since 1992 AMEX has sent mail to me at two addresses, both in the same zipcode
• I've been with the same employer for over 10 years (and AMEX knows who that employer is because I've had an AMEX Corporate Card through my employers since 1998)
• My wife and I have substantial equity in our residence
• There has not been any recent change in my credit profile, purchasing patterns, or any other relevant aspect of my financial behavior
• I have not applied for any type of credit for several years

If AMEX thinks they need any data beyond what they already know to determine my financial position then I think I can do without AMEX.  My principal reason for keeping my AMEX account active has been age of accounts since it is my oldest account, but I have other accounts dating from 1985 to 1990 so don't need them all that badly if they offend me.

[Itsmeagain]

I wouldn't let my MOTHER have copies of my Income Tax filings.  Much less a CCC.

[Anonymous]

Exactly!

They have my info and if they look at my CR and the payments made (not my min payments) but the actual payments they can get a pretty good idea of my income!

My scores might be what they are now, but not too long ago before I switched jobs they were in the 700's.

They are getting back up there.

Message Edited by hp44 on 05-29-2009 10:47 AM

[Anonymous]

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@MattH wrote:

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@Watchmann wrote:
Haven't been FR'rd and I hope I'm not.  All CL's on all my accounts are intact, but I'm only running about 3% util.  Anyway, I think where you live and who you work for (industry) has a lot to do with who gets the 'bend over' exam.  FICO scores have been quickly shown not to be the 'be all - end all' indicator of who is at risk.  No one has posted where they live or line of work, but it doesn't seem unreasonable that two people with similar financials (FICO and length of account) should not be treated the same if one lives in Phoenix and works as a home builder vs one that lives in Houston and works in the oil industry.  AMEX's attitude may leave something to be desired but these are NOT dumb people.  They have very sophisticated AI systems that can sift and sort data.  I have to believe they are more advanced than VISA / MC in this area and they are out front in this area.  If I get FR'd so be it.  I'm not going to throw away 3 accounts dating back to 1980.  Let 'em look.  We are only partly way through this rearrangement of credit so many people will have much more scrutiny put on us to see if we are good credit risks.  That's the way it used to be and that's where we have to get back to.  Loose standards were a disaster.  We should be treated with respect but I don't think we should be insulted when asked to show our real financial position.  FICO just doesn't cut it any more when it can be gamed so easily.

Message Edited by Watchmann on 05-28-2009 11:21 PM

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All true, but AMEX should be able to form a reasonably good notion of my financial position from information they already have or can readily obtain:

• I've had a personal account with them since 1982 with an excellent payment history

• I have not carried a balance with AMEX for years
• Since 1992 AMEX has sent mail to me at two addresses, both in the same zipcode
• I've been with the same employer for over 10 years (and AMEX knows who that employer is because I've had an AMEX Corporate Card through my employers since 1998)
• My wife and I have substantial equity in our residence
• There has not been any recent change in my credit profile, purchasing patterns, or any other relevant aspect of my financial behavior
• I have not applied for any type of credit for several years

If AMEX thinks they need any data beyond what they already know to determine my financial position then I think I can do without AMEX.  My principal reason for keeping my AMEX account active has been age of accounts since it is my oldest account, but I have other accounts dating from 1985 to 1990 so don't need them all that badly if they offend me.

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Same here, the only reason that this card is still open is because of it age also for the extras i recieve when I travel. Hopefuly things will improve in the future.