Strange AMEX decline, now in progress...

[UpNComing]

So I made another attempt at getting my foot back in the door with AMEX and apped for the Zync last night.  I received an instant decline because of a returned payment within the last 30 days as the only reason.    Color me surprised since I haven't had an AMEX since 2009!  I called the backdoor number this morning and spoke to a nice CSR.  He couldn't figure out why I would get declined for that reason either and escalated it to the manual review team.  Now my app says "in progress".  He tells me it will take at least 7 days.  I need some insight.  Anyone run into anything similar?

[Anonymous]

I wouldn't sweat it. Mistakes happen. However Id theft is a possible explanation to this.

[Anonymous]

Glitches can and will happen.

If it's being manually reviewed, I'd be a lot more confident, specially if the CSR is seeing it himself that it shouldn't have happened.

[webhopper]

Amex checks your telecheck profile in addtion to experien report. Maybe something on your telecheck profile is flagged

[john398]

---

@webhopper wrote:
Amex checks your telecheck profile in addtion to experien report. Maybe something on your telecheck profile is flagged

---

Actually its Teletrack they check

See this thread

http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-and-Teletrack/m-p/1289927/highlight/true

[Anonymous]

Keep us informed of your status. 

[UpNComing]

---

@webhopper wrote:
Amex checks your telecheck profile in addtion to experien report. Maybe something on your telecheck profile is flagged

---

I can't imagine telecheck would show anything. I've had no lates on anything for years. I'm going to order a report just the same. For now I'm in pending limbo. I'll let everyone know what the outcome is.