Amex wierdness

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MemberSince99
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Amex wierdness

Postby MemberSince99 » Tue Jun 19, 2012 5:39 am

I decided to apply for the Platinum for the travel benefits. Since I recently got 3 of their cards I figured it was pushing it, but what the hell.

Got the decline, decided to check the reason. If they had said dude you have 3 new cards with us, that's enough for now, I'd have been fine. Instead it got bizarre. The message said it was because my Amex accounts had been cancelled. I thought well no one told me I just used one at lunch and it worked.

So I called up and got the outsourced customer service, who proceeded to tell me that I just had a Platinum card that was delinquent and had been cancelled in May. Well dude, that's news to me I've never had a Platinum card in my life but don't ya think it's a little odd if I was delinquent like that, that you woulda given me 3 new cards????? So he proceeds to transfer me, I spent 20 minutes on hold and finally got some voicemail asking me to leave my info and they would call me back. I hung up.

Seems Amex has really gone downhill when you see this kind of thing going on. Makes me wonder if they are going to report a delinquent Plat I never had to the CRAs.

I've decided as a result of this to first burn up my points, which I did last night, then I will pay the recent charges on the cards as soon as possible then close them all and move on. I've had enough of the Amex joyride and I have personally noticed the difference in the outsourced customer service. Amex you might be saving money, but it's gonna cost you more than you save in the end, that's what being cheap always does, and I'd rather deal with people who have a clue. That no longer includes Amex from my experience.

So today and from now on, I WILL be leaving home without it......


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Cyberius
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Postby Cyberius » Tue Jun 19, 2012 7:32 am

I'd probably call them back (leave a message if you have to) and get to the bottom of the phantom Platinum card. Could be a systems error that has you confused with someone else, and you have the opportunity to get to the bottom of it now rather than later. That could happen with any card issuer.

DavidNY
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Postby DavidNY » Tue Jun 19, 2012 8:13 am

I recommend calling during US normal business hours. Your CR could take a hit if all the cards get axed.

nedyah700
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Postby nedyah700 » Tue Jun 19, 2012 11:57 am

DavidNY wrote:I recommend calling during US normal business hours. Your CR could take a hit if all the cards get axed.


I agree, canceling all of them is probably not the best idea. If you have never had a platinum and they are giving you all this trouble they will probably work it out. You might even be able to push for some bonus MR points for your troubles.

thomaswhitehall
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Postby thomaswhitehall » Tue Jun 19, 2012 12:27 pm

They probably confused your information with someone else, which might not be their fault....perhaps the crediting agencies.

I would go and pull your credit report regardless to check for errors. Also call AMEX during normal hours and they should be able to help you. 4 cards in a short period of time might be pushing it though.

Ever think about throwing them in the sock draw opposed to canceling them (if they don't have an annual.) Can't hurt to have some more credit.

MemberSince99
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Postby MemberSince99 » Tue Jun 19, 2012 12:45 pm

thomaswhitehall wrote:They probably confused your information with someone else, which might not be their fault....perhaps the crediting agencies.

I would go and pull your credit report regardless to check for errors. Also call AMEX during normal hours and they should be able to help you. 4 cards in a short period of time might be pushing it though.

Ever think about throwing them in the sock draw opposed to canceling them (if they don't have an annual.) Can't hurt to have some more credit.


Actually I was thinking that to be honest. On second thought I think I'll just sock drawer and never use them. They can add to my credit score through backdating until Amex closes them. I really don't care to do business with what Amex has become. In the old days the Rep would have taken care of this, but these guys just want to transfer you off to someone else and don't sweat it.

I pull my credit every day through Amex CreditSecure. There is no delinquent account on there - zip zilch nada as it should be. If they try to put one on there that doesn't belong to me, I know the law heavily favors them, but I will do whatever is legal and in my power to do to make it right, that much I've decided on. Who knows what will happen. You are supposed to have rights but when it comes right down to it you really don't and they are our masters and owners, they buy our government fair and square so we can just deal with it. But I won't just sit back and be pushed around for something I haven't done regardless. May never happen but if it does, I'll have to find me a good NACA attorney. I personally hope it doesn't come to anything like that though.

What I can say with certainty at this stage is I will never use those cards again, they are not in my wallet and will not return. If I choose to leave them in my drawer to help me, ok, but they won't get any more use. I'm done with Amex.

MemberSince99
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Postby MemberSince99 » Tue Jun 19, 2012 12:53 pm

And for what it's worth I did call during US normal business hours. I got to talk to an outsourced CSR who didn't really care to help me. When I called at 5 AM on a Sunday morning for another matter I got a US CSR. The experience is night and day I can tell you that. So time of day really doesn't matter in the way you might think - I called the same number both times.

I guess guys to be honest I don't really care what Amex does. I know what I'm going to do. That's what counts in my book. I'll take the hits for the inquiries and lose AAoA if need be, I won't close them down I'll leave them open and just not use them until Amex closes them. Given that I'm a delinquent in their view anyway, it shouldn't take long you wouldn't think.

I will say that knowing Amex as we all do if I was really delinquent on a card, they would have shut the others down. They are still open and active. So what does that tell you?

It's pretty ridiculous really.

So yeah I could keep calling until I find a US CSR willing to help me track down the truth of the matter, but I've just decided I'm better off without this company. Just sharing my experience with them. Hopefully no one here has the same t hing I'm sure it's not common but it does happen unfortunately.

DavidNY
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Postby DavidNY » Tue Jun 19, 2012 1:41 pm

For many people, Amex (Centurion Bank) is not the best best. Some get their cards and make use of the benefits and these are really the only ones who should use them. Otherwise the bank is just taking the card "member" for a ride.

Many are just suckered by the slick ads and don't use the benefits while paying ridiculous AFs.

They are no different than any other prime lender. Good for some, bad for others.

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FastSRT8
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Postby FastSRT8 » Tue Jun 19, 2012 3:29 pm

That is my point exactly. Learn all the benefits Cent has and use them as much as possible.

DavidNY wrote:For many people, Amex (Centurion Bank) is not the best best. Some get their cards and make use of the benefits and these are really the only ones who should use them. Otherwise the bank is just taking the card "member" for a ride.

Many are just suckered by the slick ads and don't use the benefits while paying ridiculous AFs.

They are no different than any other prime lender. Good for some, bad for others.
Carpe diem quam minimum credula postero!

MemberSince99
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Postby MemberSince99 » Tue Jun 19, 2012 8:37 pm

I just closed the Zync and the Gold. I still have about 20 dollars in charges pending from yesterday on the Blue or I'd cancel that but in a couple of days when those charges post I will pay them immediately and that card is history too.

And you know what? It actually feels liberating to do this. For far too long I was far too worried about my credit score, and keeping in Amex's good graces. Now I don't really care about either to be honest. And it's not a bad thing, it's freedom baby. I won't be back in the Amex family.

On that note, Discover has been good to me of late - they just approved me for the Escape card today, and it's all American CSRs. That is a company that I won't be a slave to, but they have a loyal customer who will give them all the business I was giving Amex which is thousands a month paid immediately as soon as the charges posted. Amex will be thrilled to lose a deadbeat like me, and I'm equally thrilled to lose their lousy service and overpriced offerings.

Also on that note since I'm honest I applied for 3 other cards to try to diversify. Even Crap One declined me. I mean man that is the ULTIMATE humliation. All three were declines including one that was "pre-approved" (shows you what marketing nonsense that concept is anyway) but Crap One, all I can say is you KNOW you are bad when they turn you down. But it's really just as well. I hate their CS (it puts the VICE in service) but just wanted to diversify but I think that I'll be fine with Discover and my local bank's offerings. So I'm cool with it, but I'll never live down the humiliation of being rejected by a lousy outfit like Cap One that's for sure......



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