Gold Declined for Fraud Protection Alert

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DoingHomework
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Postby DoingHomework » Wed Jun 08, 2011 12:53 pm

Yes, the problem is that public records are often inaccurate or subject to interpretation - we have a second home with a mortgage on it. AMEX has somehow decided that that house is our primary address and has changed it on their own a couple of times. Basically we have done nothing and do not use that address. But we have twice in the last 3 years received letters from AMEX saying that they have changed the address to our other house and are just letting us know. It takes a phone call to say - "No, you idiots, don't do that!"

I think this has happened as a result of "deed actions" that AMEX has no association with - once when we bought the place and once when we had a spelling error on the deed fixed.

To make matter worse, the second home is a condo and they don't seem to know that it has an apartment number. Plus we have specifically turned off mail to it through the USPS so mail sent there gets returned.

Now, I'm all for effective fraud protection. But this is crazy. It does nothing to enhance fraud protection. It only creates confusion and extra work for a lot of people.


NYC_Dweller
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Postby NYC_Dweller » Wed Jun 08, 2011 10:52 pm

Now, I'm all for effective fraud protection. But this is crazy. It does nothing to enhance fraud protection. It only creates confusion and extra work for a lot of people.


completely agree and well said...

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Jun 13, 2011 9:23 pm

But we have twice in the last 3 years received letters from AMEX saying that they have changed the address to our other house and are just letting us know. It takes a phone call to say - "No, you idiots, don't do that!


I had a similar situation like that several years ago when I had a bank account or two registered under my mothers address still. American Express automatically changed my address to her's even though I hadn't lived there is years. When this is done it is actually a fraud risk because who's to say that second address on your file, my mother's in my situation and your second house in yours, is even correct or up to date? Obviously if you have your account under a specified address that is where you want your bill and notifications sent, not some other address they take the liberty of deciding to be your main place of residence.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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CGA
 
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AMEX Fraud Protection

Postby CGA » Tue Jan 08, 2013 3:21 pm

This has happened to me twice, so I decided to stop using the card for good. I had the AMEX from Fidelity managed by FIA. It was declined at a Kroger store a couple of months ago and when I called they told me that it was because the charge was for an amount different from what I usually charge (unusual for groceries?). It happened to me again this week when they declined to accept a Recurring Bill charge from Verizon Wireless for $174. The rep said that perhaps there was something different in the header. It took me about two hours to straighten that out with Verizon. It is good to have fraud protection, but that is ridiculous.



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