Amex wants to have a 3 way call with my bank?

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hlang
 
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Amex wants to have a 3 way call with my bank?

Postby hlang » Sun Jul 06, 2014 3:58 pm

I got a new amex card a month ago. Everything has been fine until today, where they declined a $100 purchase at home depot. I've charged around $1000 to the card so far and paid it off.

I called American Express when I got home to find out what is going on. They told me they need to call my bank to verify some information, but wouldn't specify what they wanted to verify.

They then proceeded to tell me I'd have to get on a three way call with them and my bank to clear my account. I declined, as it's Sunday, for starters.

I have never heard of this before. What is this all about? Anyone else have this happen?


MemberSince99
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Postby MemberSince99 » Mon Jul 07, 2014 6:02 am

No idea.


I had that happen with Capital One. They wanted to verify with my bank that I actually made a payment before they would reset my available credit even a week after the payment posted. (They love to leave your available credit max'd out LONG after the payment has cleared on their subprime cards rendering it useless much of the time, if the toy 500 limit doesn't make it useless in the first place).


So no I've never heard of that, never had it happen and have no idea. I would say either play the game with them or close the card and move on.

AMEXFaves
 
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Postby AMEXFaves » Mon Jul 07, 2014 7:34 pm

hlang wrote:I got a new amex card a month ago. Everything has been fine until today, where they declined a $100 purchase at home depot. I've charged around $1000 to the card so far and paid it off.

I called American Express when I got home to find out what is going on. They told me they need to call my bank to verify some information, but wouldn't specify what they wanted to verify.

They then proceeded to tell me I'd have to get on a three way call with them and my bank to clear my account. I declined, as it's Sunday, for starters.

I have never heard of this before. What is this all about? Anyone else have this happen?


AMEX would need one bank (say, Citibank) you have relationship with and would call Citibank to get that bank to verify your identity (date of birth, address, SSN) and validate your relationship with that bank (checking account number) while AMEX will be on hold, listening to your conversation with the bank; Citibank thanked me for my long relationship with them and AMEX definitely noted that.

Be assured that neither the bank (Citibank in my case) nor AMEX will ask about and need to know how much you have in your accounts. After successful verification, AMEX will thank the bank and conclude the call with the bank; AMEX will then ask if you have contact information to update and then thank you for your cooperation. And you would thank them for the call as well.


All the best!


[I have been reading a lot and a long time; I've registered just to answer your question as it happened to me a while back (a month ago).]

rockyrock
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Postby rockyrock » Mon Jul 07, 2014 10:32 pm

AMEXFaves wrote:[I have been reading a lot and a long time; I've registered just to answer your question as it happened to me a while back (a month ago).]


Good to know, thanks for sharing.
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hlang
 
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Location: PA

Postby hlang » Tue Jul 08, 2014 9:13 pm

AMEXFaves wrote:AMEX would need one bank (say, Citibank) you have relationship with and would call Citibank to get that bank to verify your identity (date of birth, address, SSN) and validate your relationship with that bank (checking account number) while AMEX will be on hold, listening to your conversation with the bank


Thanks for the info. This is beyond bizarre behavior for a credit card to me, especially that they wouldn't tell me any of this. I already have plenty of great cards and excellent credit, so I have no need to indulge them. But again, I appreciate the explanation. At least I know there were no fraud attempts.

kchengg1
 
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Location: NYC

Postby kchengg1 » Tue Jul 08, 2014 11:00 pm

This has happened to me before. American Express wanted a three way call with my bank when I first signed up to verify my address was indeed what Chase had on record for me.

It wasn't anything big, but Chase felt like American Express was wasting their time and needed me to verify a couple of things before they could indeed verify the address on record to American Express.

Once again no biggie. My guess is that they want you to verify the amount of money that you have in your bank account and if you have had previous statements cut with low balances.

EricG
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Postby EricG » Thu Jul 10, 2014 1:58 pm

It has happened to me a few times when my card was new, they just wanted to verify with my bank that my last payment has indeed cleared the bank
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