Reply
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!


wHiTeSoL wrote:
update 8/27 - I checked online and was approved, made the call and found my credit limit of 2k. I am supposed to get a follow up phone call tomorrow, so I will see if that really happens.

Congrats 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
wHiTeSoL
Posts: 1,063
Registered: ‎07-09-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!

[ Edited ]
Update - There is more to the story but I wont bore everyone with the details. Today 8/29 I get a call from someone in the American Express Executive office and the head of new accounts. They both said they looked into my issue with a fine tooth comb and apologized for all that I have been through. They have read every note, listened to every call, researched every claim I had and came up with the following to "make it right"
1. An additional $50 statement credit on my account (in addition to the $50 they already gave me a few days ago)
2. They will remove 4 out of the 6 Hard inquires they have put on my credit report.

As for the issue with pulling EX. The head of new accounts explained that those reps started off using the incorrect format for my Pin from EX. In doing so they "clogged" up their system (with respects to my individual application) with multiple different pins in different formats, and it required someone to go into my account and manually remove them before they could proceed again.

I guess I was too chicken to ask anything else. ( a CLI maybe? LOL) so I thanked them for their personal call and for taking the time to research everything properly. For most of the call I was just in shock.

   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Valued Member
W0MACK
Posts: 32
Registered: ‎08-19-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!

That is really great news, especially the hard inquiry removals (generous)  It is always good to see them making it right with a customer. In my experience with Amex they usually "come through" on requests/issues. 



Current Scores:
EX: 702 05/2014
EQ: 738 05/2014
TU: 729 04/2014
Last App: 04/29/2014
Goal : 750 Across the Board
Contributor
GOldfishes
Posts: 103
Registered: ‎06-25-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!

I would have asked for like 100k MR points and removal of ALL HPs! :smileywink:

 

6 HPs! That can really screw you up especially if you're not into this game and think it is actually the end of the world. 

Experian: 734 Equifax: 765 Transunion:776

BoA Cash Rewards($6500)|Fidelity Investment Rewards AMEX($5000)|Chase Freedom($4000)|
Chase Sapphire Preferred($6500)|Amex PRG ($NPSL)|Amex SPG($6000)|Amex Business Gold Rewards($NPSL)|Amex BCE ($10,200)|Citi AA Exec ($10,500)|
Valued Contributor
wHiTeSoL
Posts: 1,063
Registered: ‎07-09-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!

I was thinking exactly that, MR points! Then I realized none of my cards earned MR points, just cash back and Delta miles. (Did i mention I was too chicken to ask for anything LOL) I honestly was just in awe during the entire conversation.

   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Frequent Contributor
koalablue
Posts: 356
Registered: ‎05-23-2012
0

Re: Want to pull out my hair, why does AMEX make it so difficult!


wHiTeSoL wrote:
I was thinking exactly that, MR points! Then I realized none of my cards earned MR points, just cash back and Delta miles. (Did i mention I was too chicken to ask for anything LOL) I honestly was just in awe during the entire conversation.

Very glad everything worked out and Amex took care of you in the end.  Your persistence paid off!  Glad they explained and owned up to their errors, though it was understandably a huge headache for you to deal with.

Established Contributor
9CLINE
Posts: 565
Registered: ‎05-31-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!

[ Edited ]

Wow, never heard of this before,but glad they got it fixed for you, and removing all those pulls.....I am surprised they owned up to their error,,that says a lot to me...I have learned from you that  I need to develop more patience and persistence..

Congrats!!!!

P.S. I read the whole thing twice what a nightmare....

Starting Score: 480 (CK - 5/11)Current Score: (EQ)752 (EX)759 (TU)760 Per MyFico(11/21/14) Goal Score: 830 (Last app 7/14/14) Gardening till 3/2015 Cards: My BestBuy (3,000) Chase Freedom Visa (3,000) Chase Slate (3,500) Citi Simp.Visa (3,700) Home Depot (4,500) Barclays World Arrival (5,400) Belk (5,500) Discover iT (5,600) JCP Gold Mastercard (6,000) Chase Sapphire (6,000) Amex BCE (10,000) Amex EDP (15,000)
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!


wHiTeSoL wrote:
Update - There is more to the story but I wont bore everyone with the details. Today 8/29 I get a call from someone in the American Express Executive office and the head of new accounts. They both said they looked into my issue with a fine tooth comb and apologized for all that I have been through. They have read every note, listened to every call, researched every claim I had and came up with the following to "make it right"
1. An additional $50 statement credit on my account (in addition to the $50 they already gave me a few days ago)
2. They will remove 4 out of the 6 Hard inquires they have put on my credit report.

As for the issue with pulling EX. The head of new accounts explained that those reps started off using the incorrect format for my Pin from EX. In doing so they "clogged" up their system (with respects to my individual application) with multiple different pins in different formats, and it required someone to go into my account and manually remove them before they could proceed again.

I guess I was too chicken to ask anything else. ( a CLI maybe? LOL) so I thanked them for their personal call and for taking the time to research everything properly. For most of the call I was just in shock.

So happy it worked out for you .........my congarts 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
wHiTeSoL
Posts: 1,063
Registered: ‎07-09-2013
0

Re: Want to pull out my hair, why does AMEX make it so difficult!

Last update - Went i sent my complaint, I sent it through the secure message system and I emailed to the CEO at the same time. The call I got yesterday from the EO I thought was going to the the only response I got. Today I got a message in my secure mailbox on Americanexpress.com. The manager on there apologized for my issues and issued another $100 statement credit.

Now I am getting worried that I look greedy or something if someone reviews my statement.......

   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: Want to pull out my hair, why does AMEX make it so difficult!

Don't feel bad, this is what good customer service is about. You said you wanted someone to be held accountable, it seems like they are doing their best to make amends...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}