Uncalled for personal questions asked by AmEx?

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rmferrer
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Uncalled for personal questions asked by AmEx?

Postby rmferrer » Wed Oct 17, 2012 4:27 pm

I misplaced my AMEX card, so I called today have it replaced. After speaking with the frontline CSR, they transferred me to an account specialist. After a series of security questions the CSR specialist then told me the card would be shipped overnight VIA UPS..OK done deal. BUT then she prompted me that now she would be asking me a series of questions not related to my account…ummmm ok.

She asked to verify where my mom had property, she then proceeded with multiple choices and so I chose the correct one. Then she asked what my dad’s age ranged from…again multiple choices and I picked. 2 questions in regards to my parents and that was it and thanked me and said to expect my card tomorrow. I found it a little uncomfortable her asking such “personal” questions seeing that my parents are not in any shape or form associated with my account or AMEX(They are VISA people).

I am fairly new to the AMEX family(2 months) so maybe this is routine. The only thing that I can think of is that my parents did have a forclosure a few years back, but don’t see what that has to do with me. I've never co-signed on any of their loans, credit,etc..

Can anyone shed any light as to the reasoning for the questions?


jeffysdad
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Postby jeffysdad » Wed Oct 17, 2012 7:31 pm

Sounds like another tier of identity verification questions. When you request your credit report online you will encounter similar questions; e.g., "Our records indicate you bought a car within the last five years; what brand was it..." And then there's a multicoice with Honda, Nissan, BMW, etc. They know about your parents from data mining done by another party, I would suppose. A little bit creepy but nothing to worry about.
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jlam572
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Postby jlam572 » Wed Oct 17, 2012 8:05 pm

Yeah I actually prefer those questions over some passcode that I dont even remember half the time. Ask me about my dog, my cat, my fish...i dont care...better security if someone did try to jack move me and get my amex card.
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rmferrer
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Postby rmferrer » Wed Oct 17, 2012 8:18 pm

Jeff that was my initial thought...but I guess from reading various threads about how AMEX operates i got a little paranoid. Feels like I'm walking on eggshells everytime I use one of their cards or when I access their site. LOL.

CC Deville
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Postby CC Deville » Wed Oct 17, 2012 8:47 pm

They are simply protecting you and themselves to ensure that you are whom you say you are. There are databases that creditors can use that show address history, relatives, business ownership and even motor vehicle records.

Many times a fraudster would know several things about your account or your physical address but asking what address your parents lived at in 1995 would normally only be something that you would know.

I am not sure if they do this every time but seeing as how you live in the Cesspool of Crime (California) maybe they take it to the extreme for cardholders that reside there.

WS6R6
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Postby WS6R6 » Thu Oct 18, 2012 2:40 pm

It isn't anything to worry about, I've been asked the same questions (fathers age and other multiple choice) for I think two of my cards. One I remember being Penfed
Travel 3x, Groceries + Gas 2x: [color=Orange"]AmEx PRG[/color] (Closed)
Restaurants + Travel 2x: [color=navy"]Chase Sapphire Preferred[/color]
Groceries 3%, Gas + Department Stores 2%: [color=blue"]AmEx BCE[/color]
Dining + Entertainment 2x: [color=navy"]Citi Thank You Preferred[/color]
Hotels 5x: [color=Black"]Chase Marriott Rewards Premier[/color]
Rotating 5%: [color=darkorange"]Discover It[/color], [color=blue"]Chase Freedom[/color]
Restaurants 5x: [color=lime"]Citi Forward[/color]
Gas 5%: [color=gray"]PenFed Platinum Rewards[/color]
Future: [color=red"]US Bank Cash +[/color]

eyeruh
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Postby eyeruh » Thu Oct 18, 2012 3:08 pm

Don't sweat it. Ever google your own name? There's a lot of info about yourself out there. Start claiming it and deleting.

I check once a month or so. Part of the reality we live in.

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djrez4
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Postby djrez4 » Thu Oct 18, 2012 5:16 pm

eyeruh wrote:Don't sweat it. Ever google your own name? There's a lot of info about yourself out there. Start claiming it and deleting.

I check once a month or so. Part of the reality we live in.


That'd be great if there weren't quite a few of me out there. I deleted a bunch of my Spokeo info last month, but there's no real way to find it all.

That said, I have no problem answering those questions. Every once in a while I get asked about a business I registered about 5 years ago. Some friends and I came up with an idea for a website on which women would pledge to withhold *** from their men for charity. We figured, there are probably plenty of women out there already withholding *** because they're mad about something. On our website, they'd post their stories and, if you supported them in their anger and ***-withholding, you could pledge $X. Or, at least, that's what I remember about it. We were rather drunk when this all occurred. We called it something tame, but inappropriate. To this day, I get asked about it and the service rep wonders why I'm laughing.

Most people get drunk and crash cars or get into fights. We get drunk and register stupid business names. Life could be worse.

EDIT- apparently, we can't talk about naughty things on the forum. Those asterisks are replacing a three letter word that starts with S and rhymes with flex.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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eyeruh
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Postby eyeruh » Thu Oct 18, 2012 6:36 pm

LOL yeah. Spokeo, mylife, believe it or not the white pages had the most accurate stuff about me.

They had my address and my cell phone #. The other sites had my mom's house, but an incorrect address (street was wrong), one had a google map of my mom's house but in another neighborhood (all good with me lol).

I do the same thing for my wife. She was surprised to say the least about what someone creative could find and is bored enough.



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