Found out I am now on the Amex blacklist

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MemberSince99
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Found out I am now on the Amex blacklist

Postby MemberSince99 » Mon Jul 30, 2012 10:36 am

As I previously posted, I got 3 Amex cards this year, within a month, then when I applied for a Plat for travel benefits I was declined as Amex said I had a delinquent Platinum card that they recently closed. (This is not at all true, I did have 2 Amexs that charged off 10 years ago but neither was a Plat and nothing recent).

So I tried to get them to help me get to the bottom of this but none of them I called could or would help me so I closed the accounts mostly in frustration.

I applied for a Delta Gold Skymiles last month, as it was something I could use (which you could question my sanity for applying I even do) and that was also declined. I just checked EX which they always pulled previously and the Delta card inquiry is not there. Now the only reason that Amex would not put an inquiry on your account when declining you if you are not a member (which I'm not) is if you are on their blacklist. So clearly since I'm not a member (they say they closed my accounts though on EX in my report it says "report closed by consumer request", I just checked it) and there is no inquiry (and the app was 7/15) I have to be on their blacklist.

How that makes any sense, only Amex must understand. But by opening 3 cards and paying them in full on time and leaving a 0 balance, they blacklisted me. All I can say is wow that is an eye opener. You learn something new every day.

They insisted when I talked with them on the phone that they closed my accounts, and that was given as the reason for my decline, but right in my report it says I closed them.

But you can't reason with a lunatic as I'm finding out.....


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FastSRT8
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Postby FastSRT8 » Mon Jul 30, 2012 11:08 am

What I don't get is why would you want to close off your other two Amex account if you were declined on one card application? For one thing, filling your wallet that quickly with Amex products is a flag... then cancelling the two you have with them because of a Plat app decline is silly and as much as I believe you have your reasons, Amex would most certainly view that as a behavior they would not want from a member.
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MemberSince99
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Postby MemberSince99 » Mon Jul 30, 2012 11:17 am

It wasn't that I was declined - that's fine. It was that they told me I had a recent delinquent Plat card, and I told them no that isn't true we need to get to the bottom of this and I simply could not get them to help me do that.

If they don't want you to have 3 new accounts that quickly, then why approve them? The last one went to manual reivew and was approved, a human being said yes. If they truly don't want that, why approve it?

Obviously they don't want me as a member, but the reasons they have given are untrue and nonsensical and I can prove that they did not cancel my cards - I closed them. I can't prove I did not recently have a Plat that went delinquent because you can't prove a negative but I can show there is nothing derog on my reports and there is no Plat card on them nor has there ever been.

So to sum up I have no problem with being declined, I have a problem with the bizarre, basically insane way they have done this, and that reason does not seem to make any difference in dealing with them, and they had no interest in uncovering the truth, they seem to just make stuff up and insist and swear up and down it's true even when you tell them no it's not and even when you can prove it's not. Sane people are swayed by the facts but you can't convince a nut of anything no matter how much proof you have.

I just think people should know this stuff, so you know what you may be facing. If they did not want my business because of the charge offs, it's weird they ever let me back in to start with. Almost as weird as me applying for another card with them after this nonsense. At least I know where it stands now. But it sure is bizarre the way that company does things.

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FastSRT8
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Postby FastSRT8 » Mon Jul 30, 2012 2:50 pm

Wow... it seems like they were out to get you. They didn't come outright and cancelled all your cards, they just used an old trick in the book and made you upset enough to do their dirty deed for them. That's pretty sad if indeed that is what they were doing.
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Postby MemberSince99 » Mon Jul 30, 2012 3:40 pm

I don't think they were out to get me. I don't really know what happened on their side of things, only what I can figure out from my side. I don't really understand it. If they didn't want me as a customer, I respect that as their right. If so I would hope they would just say so. I guess given I'm blacklisted that's a given, but I really don't see the justification. If my past COs were the issue, why give me new cards? When I got the cards I planned to give them most of my business.

I know things happen for a reason. I just don't understand theirs in all of this, but they have the right to run their business as they see fit, and I'm glad there are alternatives. I'm honestly a bit shocked to be blacklisted as I don't see the reason for it and the reasons they tell me aren't true and I've told them this, and they can see this but insist those are the reasons.

It does make me appreciate the companies that have been good creditors for me (Associated and Discover).

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FastSRT8
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Postby FastSRT8 » Mon Jul 30, 2012 4:19 pm

Im not all to familiar with the 'blacklisted' process but how did you deduce you are now on a blacklist with Amex?
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MemberSince99
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Postby MemberSince99 » Mon Jul 30, 2012 4:36 pm

I applied for a card, Delta Gold, on 7/15. it was declined. There is no inquiry showing on EX for the application. Every other application I did for Amex was a EX inquiry, except when I was declined for Platinum as a member (if you are a member and declined it's a soft rather than hard pull). Since I'm no longer a member even a denial should result in a hard inquiry (as it did in the past when I applied and was denied in 2011).

I've read on other boards that if you are blacklisted it will not be a hard pull. So, seems that because I have no inquiry, I'm blacklisted. I don't expect Amex didn't put the hard pull out there just to save me an inquiry (though I'd be grateful for that). The logical explanation is I'm on their blacklist.

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Postby StartingOver » Wed Aug 01, 2012 3:18 am

Just out of curiosity, why would you assume you were blacklisted? Did you check the other two credit reports for the inquiry? I would think if you were blacklisted, Amex would have canceled the three current cards you have. With that said, why would you bother applying for two additional Amex cards if you already have three? It seems most likely you were denied the last two because you have applied for five Amex cards in one year.

MemberSince99
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Postby MemberSince99 » Wed Aug 01, 2012 4:35 pm

I did check TU there are no Amex inquiries on there. I haven't checked EQ but in the past they have always used EX. And I frankly don't feel like buying an EQ report just to see if Amex pulled it (I would bet a large amount of money they didn't).

All of my previous apps, they pulled EX. They are a known EX puller. They didn't pull EX, they didn't pull TU, EQ I have no info on and I'm not going to spend thre 20 bucks just to check that.

I don't have those cards anymore. I closed them, they are in my reports that they were "closed by consumer request" on EX, but Amex says they cancelled them.

Why did I apply? I saw myself using the Delta card for travel, and it would have been nice to have one charge. And probably the fact I'm nuts or I should have known better than to kick that dead horse.

No, I wasn't denied on that basis. The only reason stated in the denial from Amex is they say they cancelled my previous accounts. That's it.

I've come to feel it's for the best honestly. But if there is any message here for others, it's if you've ever burned these guys and they let you back in, don't assume you are starting fresh and are fine and it's just water over the dam. My experience tells me that's not really true.

MemberSince99
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Postby MemberSince99 » Wed Aug 01, 2012 4:50 pm

In thinking about it, I'm grateful I'm blacklisted in one respect- it saved me two inquiries.



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