topic Re: Amex CreditSecure is a Scam in General Credit Topics

Amex CreditSecure is a Scam

Anonymous — Fri, 26 Dec 2014 04:11:16 GMT

Bought daily monitoring for car shopping. Canceled before the first month ended by phone and was given cancelation number. Charged for second month. Contact Amex with cancelation number. They say no proof of cancelation and leave the charge on. Obviously I'm closing this account without paying it and suing the **** out of them if they try to mess with my credit. What else can I do to get the word out about this scam?

Re: Amex CreditSecure is a Scam

gdale6 — Fri, 26 Dec 2014 04:13:38 GMT

@Anonymous wrote:
Bought daily monitoring for car shopping. Canceled before the first month ended by phone and was given cancelation number. Charged for second month. Contact Amex with cancelation number. They say no proof of cancelation and leave the charge on. Obviously I'm closing this account without paying it and suing the **** out of them if they try to mess with my credit. What else can I do to get the word out about this scam?

I suggest you start with the BBB and I would pay it or they will ding your report, you can always recoup the amount later.

Re: Amex CreditSecure is a Scam

Kenny — Fri, 26 Dec 2014 06:04:48 GMT

Exactly.. pay it. If you are sure that you cancelled it then call back and keep asking for a supervisor to get the charge reversed. But, I would call Credit Secure and not Amex themselves with regard to reversing the charge.

Re: Amex CreditSecure is a Scam

EW800 — Fri, 26 Dec 2014 06:11:50 GMT

I agree with gdale and Kenny completely. Pay it and then fight to get reimbursed. If you are focused on your credit report and scores like most of us are here, such a small dollar amount just isn't worth rolling the dice on, in my opinion.

Re: Amex CreditSecure is a Scam

RobertEG — Fri, 26 Dec 2014 08:34:10 GMT

If you paid by way of CC, you have recourse to a billing dispute under the FCBA.

Re: Amex CreditSecure is a Scam

takeshi74 — Fri, 26 Dec 2014 13:34:28 GMT

They should have cancelled it but that doesn't mean that it's a scam. Be careful assuming intent when it could be negligence. Using your definition every business out there would be a scam since you can always find someone who has had a problem with a given company.

Re: Amex CreditSecure is a Scam

Anonymous — Fri, 26 Dec 2014 14:58:08 GMT

Providing a cancellation number, saying it was canceled, and continuing to bill isn't a scam? I know credit card lovers are in love with Amex, but if someone took $25 out of your wallet, you'd be calling the police no questions asked.

And you'd really let someone steal to protect your credit score? All you have to do is stand up for yourself. If you have proof of cancelation and they try to send you to collections for charges after that, you're going to win a boat load of money for FCRA violations.

Re: Amex CreditSecure is a Scam

Anonymous — Fri, 26 Dec 2014 16:37:03 GMT

@Anonymous wrote:
Providing a cancellation number, saying it was canceled, and continuing to bill isn't a scam? I know credit card lovers are in love with Amex, but if someone took $25 out of your wallet, you'd be calling the police no questions asked.

And you'd really let someone steal to protect your credit score? All you have to do is stand up for yourself. If you have proof of cancelation and they try to send you to collections for charges after that, you're going to win a boat load of money for FCRA violations.

I understand being upset but I think you're overreacting a bit with words like 'steal' and 'scam' both of which assume intent. People make mistakes including those that work with Amex. People are suggesting you pay the second month to avoid any issues with your credit score and then work on getting your money back. It's sound advice but ultimately it's up to you

Re: Amex CreditSecure is a Scam

Ubuntu — Fri, 26 Dec 2014 21:57:56 GMT

@Anonymous wrote:

I understand being upset but I think you're overreacting a bit with words like 'steal' and 'scam' both of which assume intent. People make mistakes including those that work with Amex. People are suggesting you pay the second month to avoid any issues with your credit score and then work on getting your money back. It's sound advice but ultimately it's up to you

Very well said.

Re: Amex CreditSecure is a Scam

taxi818 — Fri, 26 Dec 2014 23:17:18 GMT

just think of the time to correct the baddies on your score. so pay it and fight it after the fact. for sure. in days of ole. i would have been like you. like no way in hell do i pay it. but to save yourself. and no. even if it was a scam. you will not get a boatload of money. not in any circumstance. even if amex was fined. you still would not. so just pay it. and keep fighting.

Re: Amex CreditSecure is a Scam

aav — Fri, 26 Dec 2014 23:24:05 GMT

@Ubuntu wrote:
@Anonymous wrote:

I understand being upset but I think you're overreacting a bit with words like 'steal' and 'scam' both of which assume intent. People make mistakes including those that work with Amex. People are suggesting you pay the second month to avoid any issues with your credit score and then work on getting your money back. It's sound advice but ultimately it's up to you.

Re: Amex CreditSecure is a Scam

tufa4311 — Sat, 27 Dec 2014 04:51:58 GMT

RippedOff, I hear you, we all here you - no one is saying that billing you after cancellation is right, no one is saying that how you feel is wrong. Look at it this way - you have an end goal, getting your money back that you feel you were charged for after cancellation. Fine, I'm with you. The question now is how to accomplish that goal. There are a number of avenues you can take and some will cause you more trouble than others - even if they all get you to your intended destination.

If you do not pay, allow the bill to go overdue and then overdue beyond 30 Days you are going to have a hit on your credit report. Now you will have two things you need to deal with - getting your money back for the second month that you should not have been charged for AND fighting to get the 30-Day Late off your credit report. While it would not be "fair" that you were charged after cancellation and now have a ding on your credit report you still would have them. And these things are not going to be affecting AMEX, they will be affecting you. (it may affect AMEX if you win a case based on FCRA violations but you still will have to clean your credit report)

It's just logical - pay the bill, be 100% sure that you have indeed cancelled this time, get that cancellation in writing by mail, and then begin the process of getting your money refunded, FCRA violations and all.

I've just spent well over 6 months trying to get one 30 Day Late off my report - I just accomplished that a few days ago. Believe me, you do not want to go that route.

Work smart, not hard. Or at least smart AND hard

Just here to help.

Re: Amex CreditSecure is a Scam

NRB525 — Sat, 27 Dec 2014 07:21:37 GMT

@Anonymous wrote:
Providing a cancellation number, saying it was canceled, and continuing to bill isn't a scam? I know credit card lovers are in love with Amex, but if someone took $25 out of your wallet, you'd be calling the police no questions asked.

And you'd really let someone steal to protect your credit score? All you have to do is stand up for yourself. If you have proof of cancelation and they try to send you to collections for charges after that, you're going to win a boat load of money for FCRA violations.

Are you sure you really want that username for the long term? Ok.