topic Re: Really Amex!!! in Credit Cards

Really Amex!!!

PrettyGyrl — Sun, 26 Apr 2015 14:15:55 GMT

So I've used my Amex ED 3 times and yesterday after my iPhone fell in the pedicure tub, which I'm still traumatized about, I go to T-Mobile to call the insurance company, because it's 2015 and I'm sorry I only have a cell phone, which according to AMEX is absurd, and my card is denied! I'm standing there looking crazy trying to figure out why. I finally get the new phone ordered and a loaner phone by using my old stand by BOA. I call AMEX to see why my card was denied. After 4 complete disaster of a call, finally I was informed that they want to make sure it was me using the card. I go over the transactions I made and the CSR is like ok but we need to call you on another phone line to make sure it's you. Are you kidding me??? I just gave you all of my life details, all transactions made, time & price and you don't believe it's me and I'm calling you from a loaner phone, with the same number that's listed on my account. I don't have another phone!!!!!! So I'm told they are going to email me some forms that I must get filled out, take to a bank to get notarized and then send them in!!!!!! **bleep**!!!!!! I'm confused isn't this card the EveryDay Card and that's what I've done used it for very small purchases everyday. I've only bought a coffee, snacks and then yesterday I tried to use it for the phone deductible all within footsteps of my house. Sorry for the rant I'm just livid right now.

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 14:38:36 GMT

@PrettyGyrl wrote:
So I've used my Amex ED 3 times and yesterday after my iPhone fell in the pedicure tub, which I'm still traumatized about, I go to T-Mobile to call the insurance company, because it's 2015 and I'm sorry I only have a cell phone, which according to AMEX is absurd, and my card is denied! I'm standing there looking crazy trying to figure out why. I finally get the new phone ordered and a loaner phone by using my old stand by BOA. I call AMEX to see why my card was denied. After 4 complete disaster of a call, finally I was informed that they want to make sure it was me using the card. I go over the transactions I made and the CSR is like ok but we need to call you on another phone line to make sure it's you. Are you kidding me??? I just gave you all of my life details, all transactions made, time & price and you don't believe it's me and I'm calling you from a loaner phone, with the same number that's listed on my account. I don't have another phone!!!!!! So I'm told they are going to email me some forms that I must get filled out, take to a bank to get notarized and then send them in!!!!!! **bleep**!!!!!! I'm confused isn't this card the EveryDay Card and that's what I've done used it for very small purchases everyday. I've only bought a coffee, snacks and then yesterday I tried to use it for the phone deductible all within footsteps of my house. Sorry for the rant I'm just livid right now.

That's ridiculous. I know they need to be proactive to stop fraud but sometimes they go a bit too far. Hopefully it won't take too much time to get the card active again.

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 14:42:43 GMT

@Anonymous wrote:
@PrettyGyrl wrote:
So I've used my Amex ED 3 times and yesterday after my iPhone fell in the pedicure tub, which I'm still traumatized about, I go to T-Mobile to call the insurance company, because it's 2015 and I'm sorry I only have a cell phone, which according to AMEX is absurd, and my card is denied! I'm standing there looking crazy trying to figure out why. I finally get the new phone ordered and a loaner phone by using my old stand by BOA. I call AMEX to see why my card was denied. After 4 complete disaster of a call, finally I was informed that they want to make sure it was me using the card. I go over the transactions I made and the CSR is like ok but we need to call you on another phone line to make sure it's you. Are you kidding me??? I just gave you all of my life details, all transactions made, time & price and you don't believe it's me and I'm calling you from a loaner phone, with the same number that's listed on my account. I don't have another phone!!!!!! So I'm told they are going to email me some forms that I must get filled out, take to a bank to get notarized and then send them in!!!!!! **bleep**!!!!!! I'm confused isn't this card the EveryDay Card and that's what I've done used it for very small purchases everyday. I've only bought a coffee, snacks and then yesterday I tried to use it for the phone deductible all within footsteps of my house. Sorry for the rant I'm just livid right now.
That's ridiculous. I know they need to be proactive to stop fraud but sometimes they go a bit too far. Hopefully it won't take too much time to get the card active again.

I'd tell the rep "F that cancel the card now". I have 2 Amex's but if they ever did that to me I'd be gone in a heartbeat.

Re: Really Amex!!!

SouthJamaica — Sun, 26 Apr 2015 15:13:02 GMT

I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 15:15:41 GMT

@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.

Lol that's not awkward at all

Re: Really Amex!!!

NRB525 — Sun, 26 Apr 2015 15:57:01 GMT

@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all

I'm still laughing about the iPhone falling into the pedicure tub...

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 15:59:01 GMT

@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...

LOL! You wouldn't be laughing if it was your phone

Re: Really Amex!!!

Man-Of-Steel — Sun, 26 Apr 2015 16:13:38 GMT

@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...
LOL! You wouldn't be laughing if it was your phone

I blame Apple for this. They should have made the iPhone waterproof.

Seriously though, good luck to the OP with getting this straightened out. I'd be upset as well.

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 17:08:46 GMT

@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all

Same issue with me last month...I change my phone number from home to cell but the number never changed and also I shortened Court to Ct on my address. How is that a fraud alert to them?

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 17:23:08 GMT

@PrettyGyrl wrote:
I just gave you all of my life details, all transactions made, time & price and you don't believe it's me and I'm calling you from a loaner phone, with the same number that's listed on my account. I don't have another phone!!!!!!

I'm confused. What other phone did they want you to call from? This CSR sounds like an imbecile.

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 17:36:21 GMT

Maybe Amex has always been like that, but another possibility is they're increasingly going after down-market customers, and hence the tighter fraud controls. Also, maybe Amex customer support staffing has been reduced / more offshored / has less discretion than in the past.

Regardless, reading multiple stories of such issues should give one pause before getting / relying on Amex. Many cards, such as some of Chase's offerings, have upped their game with rewards and service giving Amex a run for their money. Amex doesn't have the cachet it once did - seen posts regarding people with scores in the lower 600s with baddies getting approved.

Re: Really Amex!!!

PrettyGyrl — Sun, 26 Apr 2015 18:03:20 GMT

@Anonymous wrote:
@PrettyGyrl wrote:
I just gave you all of my life details, all transactions made, time & price and you don't believe it's me and I'm calling you from a loaner phone, with the same number that's listed on my account. I don't have another phone!!!!!!
I'm confused. What other phone did they want you to call from? This CSR sounds like an imbecile.

Exactly!

Re: Really Amex!!!

PrettyGyrl — Sun, 26 Apr 2015 18:06:50 GMT

@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...

I wish I could laugh at it but paying $175 for a new phone, plus already paying on another iPhone at the same time isn't quite funny to me. Now if you want to laugh you should see the loaner I paid $50 for. It has to be one of the first andriods ever sold!

Re: Really Amex!!!

bigbang91 — Sun, 26 Apr 2015 18:11:29 GMT

@PrettyGyrl wrote:
@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...
I wish I could laugh at it but paying $175 for a new phone, plus already paying on another iPhone at the same time isn't quite funny to me. Now if you want to laugh you should see the loaner I paid $50 for. It has to be one of the first andriods ever sold!

Which card did you use to purchase that iphone, you may be eligible for ins cover?

Re: Really Amex!!!

PrettyGyrl — Sun, 26 Apr 2015 18:13:15 GMT

@bigbang91 wrote:
@PrettyGyrl wrote:
@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...
I wish I could laugh at it but paying $175 for a new phone, plus already paying on another iPhone at the same time isn't quite funny to me. Now if you want to laugh you should see the loaner I paid $50 for. It has to be one of the first andriods ever sold!
Which card did you use to purchase that iphone, you may be eligible for ins cover?

It's being financed through T-mobile

Re: Really Amex!!!

bigbang91 — Sun, 26 Apr 2015 18:19:29 GMT

@PrettyGyrl wrote:
@bigbang91 wrote:
@PrettyGyrl wrote:
@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...
I wish I could laugh at it but paying $175 for a new phone, plus already paying on another iPhone at the same time isn't quite funny to me. Now if you want to laugh you should see the loaner I paid $50 for. It has to be one of the first andriods ever sold!
Which card did you use to purchase that iphone, you may be eligible for ins cover?
It's being financed through T-mobile

Chase will reimbursed you up to 500 per claim, even if you only charge portion of the device on the card

Re: Really Amex!!!

Anonymous — Sun, 26 Apr 2015 18:20:09 GMT

Some years ago it was common for credit card companies (and others) to require a landline phone number, partly at least because they could verify these against a physical address. But since (2014 figure) 40% of households are now cellphone only you would hope this requirement has been dropped everywhere. Maybe it was just a clueless CSR

Re: Really Amex!!!

PrettyGyrl — Sun, 26 Apr 2015 18:32:48 GMT

@bigbang91 wrote:
@PrettyGyrl wrote:
@bigbang91 wrote:
@PrettyGyrl wrote:
@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...
I wish I could laugh at it but paying $175 for a new phone, plus already paying on another iPhone at the same time isn't quite funny to me. Now if you want to laugh you should see the loaner I paid $50 for. It has to be one of the first andriods ever sold!
Which card did you use to purchase that iphone, you may be eligible for ins cover?
It's being financed through T-mobile
Chase will reimbursed you up to 500 per claim, even if you only charge portion of the device on the card

No Chase cards they hate me...but like me enough to finace my auto loan, but their days are numbered got my refi with DCU.

Re: Really Amex!!!

PrettyGyrl — Sun, 26 Apr 2015 18:37:45 GMT

@Anonymous wrote:
Some years ago it was common for credit card companies (and others) to require a landline phone number, partly at least because they could verify these against a physical address. But since (2014 figure) 40% of households are now cellphone only you would hope this requirement has been dropped everywhere. Maybe it was just a clueless CSR

I was hoping this but I was told by a supervisor, because you know I asked for one, that this is an AMEX security procedure. Funny thing is if you going to email it to me, btw I was asked to verify the email address, and I do all these steps what makes that more secure than all of the information I provided to you via the telephone. But apparently when they can't call you at another number, which they ask you to provide them, that's the way it has to be done. SMH.

Re: Really Amex!!!

PrettyGyrl — Sun, 26 Apr 2015 19:07:46 GMT

@PrettyGyrl wrote:
@bigbang91 wrote:
@PrettyGyrl wrote:
@bigbang91 wrote:
@PrettyGyrl wrote:
@NRB525 wrote:
@Anonymous wrote:
@thebeckerman wrote:
I was sitting in an oral surgeon's chair with my mouth open when the secretary came in and said my Amex credit card had been declined.

Since I had much more available credit than was needed on the card, I was perplexed, but couldn't get involved talking to Amex at the time; had to put it on another card.

When I eventually spoke to Amex later on they said it was because their antifraud department had put a hold on it due to the fact that I'd changed my billing address from home to office a couple of days earlier.

Ridiculous.
Lol that's not awkward at all
I'm still laughing about the iPhone falling into the pedicure tub...
I wish I could laugh at it but paying $175 for a new phone, plus already paying on another iPhone at the same time isn't quite funny to me. Now if you want to laugh you should see the loaner I paid $50 for. It has to be one of the first andriods ever sold!
Which card did you use to purchase that iphone, you may be eligible for ins cover?
It's being financed through T-mobile
Chase will reimbursed you up to 500 per claim, even if you only charge portion of the device on the card
~~No Chase cards they hate me~~...but like me enough to finace my auto loan, but their days are numbered got my refi with DCU.

LOL after I typed this I went to check to see if Chase had recieved my buy out from DCU...they haven't but I decieded that I would check the pre-qualifier...It must be freezing in hell! I got a pre approval!!! Freedoom Card...I said what the heck apped and got 3k and 0% APR for 15 months....Funniest thing all day!