Overcharged on Amex

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13 posts
bmw1990Z
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Location: USA

Overcharged on Amex

Postby bmw1990Z » Tue Jun 26, 2012 9:25 am

I went to Speedway to top my car off with gas this morning. I spent $11.84 and have a reciept. I logged into the Amex account to see if my charges had posted, and under pending charges, it list the amount as $100.00!! What should I do? Do i need to wait til the charge posts to my account?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013


ClubMead
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Joined: Thu Mar 22, 2012 12:17 pm
Location: Florida, USA

Postby ClubMead » Tue Jun 26, 2012 9:30 am

That is a hold amount that they place on the card when you swipe it at the pump (they wanted to make sure you had sufficient credit to "fill 'er up")

Give it a day or so and the actual charge will replace the $100.00.
My Wallet:

AMEX Platinum - NPSL (obtained in 2012; Backdated to 1989)
AMEX Gold Business - NPSL (obtained 2006; Backdated to 1989)
Chase Sapphire Preferred - $30,000.00 (Obtained 2012)
Discover - $3,900.00 (Obtained 1994)
Bank of America - $5,000.00 (Obtained 2011)
Capital One - $7,500.00 (Obtained 2011)

Ratfacedudeguy
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Posts: 362
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Location: Baltimore

Postby Ratfacedudeguy » Tue Jun 26, 2012 9:47 am

Also, just so you know the hold amount that will be placed on your card varies by the gas station. A lot of them will place a $1.00 hold while others will hold upwards to $75.00 or $100.00, or in very rare occasions (I've only seen it happen once), the exact amount. Like ClubMead said, check it again in a couple days and you'll see the actual charge amount. I wish someone had told me this back in the day -- I freaked out the same way the first time I charged gas and noticed the $75.00 hold!
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

bmw1990Z
Centurion Member
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Posts: 341
Joined: Sun Mar 18, 2012 10:08 am
Location: USA

Postby bmw1990Z » Tue Jun 26, 2012 10:13 am

good to know, thank you! Although, this has never happened to me using my citi forward card. Even at the SAME gas station!
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

Ratfacedudeguy
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Posts: 362
Joined: Wed May 30, 2012 8:10 pm
Location: Baltimore

Postby Ratfacedudeguy » Tue Jun 26, 2012 11:09 am

I think it has to do with the AMEX payment network. Because you're right -- at the same gas stations running a charge through Visa I would get a $1.00 hold and on AMEX I would get the $75.00 hold. In a way I think the higher hold amount is actually better because if they hold the max amount you can charge it can effectively prevent an overlimit situation that can theoretically arise with the $1.00 hold method. Of course with a NPSL Amex overlimits are non-issue, but you get the point.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

irvine801
Centurion Member
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Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Wed Jun 27, 2012 12:07 am

At work (discover) I once saw a 500$ hold at some hole in the Wall truckers stop. Talk about "wtf" lol
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

JNK
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Joined: Wed Aug 17, 2011 10:53 pm
Location: USA

Postby JNK » Wed Jun 27, 2012 12:20 am

AMEX is very transparent about how much your credit line is being utilized. If you log online to your AMEX account, you are able to see your pending charges very easily along with your normal charges.

Not all card companies and their affiliates offer this so easily and so what's happened to me before is that I DO have pending charges on other accounts, but I just can't see them!

Also, the gas station (or whatever other places that sometimes hold your funds) may do an actual charge/hit your card with what looks like an actual charge and not just a pending charge and then reverse it once the actual charge clears.

The last time I got something WTF was when I rented a car. I had a $1 and then a $100 pending charge... for rental car return insurance. Not accident insurance, but 'you didn't fill up the gas like you said you would' or 'you damaged the car by defacing the upholstery' sort of 'insurance'.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash

Lorelei
 
Posts: 1
Joined: Wed Nov 19, 2014 11:17 am
Location: New York City

Also overcharged on Amex!

Postby Lorelei » Wed Nov 19, 2014 11:29 am

Hi:

I love Amex, or at least I used to, and have been a devotee for years. They have fought bogus charged for me abroad and in general have made business and personal travel and purchasing so much more secure.

However, this month I paid a very hefty bill, albeit hurriedly, which one should never do, but so easy in our click and quick world. Upon a closer look, I realized I paid almost double of what my charges actually were by paying what they said I owed!! When I called Amex, the customer representative Carlos I spoke to, agreed that I was overcharged when he did the addition. He said he would put this into an investigation and that was yesterday!

Don't you think I would have heard back very soon with such an urgent screw-up? It's been almost 24 hours and not a word. Very, very disturbing. Any advice on how to proceed? This should be brought to the public's attention, because if its happening to me, it probably is happening to others.
Thanks!

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djrez4
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Joined: Tue Jul 31, 2012 12:20 pm
Location: United States

Postby djrez4 » Wed Nov 19, 2014 4:19 pm

Amex hasn't resolved your issue within 24 hours? Dear god.

Image

I'm cancelling all my cards.

Your professed, long-lived love for Amex is so weak that you can't give them 2 days to fix an error? Amex says it can take 5-7 business to refund a credit balance. Simmer down.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

MB131174
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Location: PA

Postby MB131174 » Wed Nov 19, 2014 4:20 pm

How the $*#@ did this thread get resurrected?!
stalk me
KIK: WMB1974



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