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American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Postby tcheck8 » Fri Oct 26, 2012 3:19 pm

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Last edited by tcheck8 on Sun Jan 31, 2016 5:08 pm, edited 1 time in total.

Centurion Member
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Postby sakhalin » Mon Oct 29, 2012 5:03 pm

Ouch, I'm sorry you had to go through all that. It's strange how they blocked your account for fraud when you were only 45 minutes away. I'm curious though, which card did you have with them?
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

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Postby websteth » Mon Oct 29, 2012 5:17 pm

Welcome to the forums. Sorry to hear you had such a bad experience. I on the other hand, have never had an issue with them at all on any of my cards since 2003. I've even taken cards across Europe on vacation with no issue. Only time i've ever had them block a transaction on my account was when they caught my card number being used in Germany while I was still in Florida. I got a nice wake up call at 3am to confirm I was indeed still at home in Florida.

As sakhalin said, what card do you have? I'm wondering if that might have something to do with the blocked charges. As for the name change, that's just a really bad experience that I can't even see why it had to get goofed up in the first place. Too many hands in the cookie jar it sounds like to change a name. I'm glad that you finally at least got the card with the right name on it back. Hopefully any future interactions you have with American Express will be better. They really are a great company and I have nothing but praise for them even though I know that others may have different experiences than myself.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

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Postby djrez4 » Mon Oct 29, 2012 5:29 pm

That is how you post a complaint!

Sorry you had issues with Amex. In truth, I've found Chase and Discover to have better service, overall. I haven't had any Amex issues like those, though.

I wonder if you triggered the fraud alert because you made some large purchases at stores where a typical credit card thief would go. If you think about it from Amex's perspective, someone could have snagged your card, driven a bit down the road and gone on a shopping spree at Best Buy and Target.

The name change thing is just dumb. Like websteth said - too many cooks. Or cookies...whatever.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby FastSRT8 » Mon Oct 29, 2012 6:15 pm

Sorry to hear of your plight. I'm sure you will have as many supporters for bad CS experiences as you will good. Hopefully the good outweigh the bad.

I for one have and always keep saying.... have nothing but good things to say about Amex. They have always been there for me period. No questions, no fuss.
Carpe diem quam minimum credula postero!

CC Deville
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Postby CC Deville » Mon Oct 29, 2012 7:53 pm

As far as the initial problem...Target and Best Buy purchases can be detected as fraud by most credit card companies. Espcially if they occur in the Los Angeles area as that county is a cesspool of crime-especially in the Valley's (San Gabriel and San Fernando). They could have handled it better but I prefer that they are thourough where fraud is concerned.

As far as your other problems with them...wow. As others have asked, what card do you have? Changing the first name to an initial should be an easy fix....the form should only be used if you have had a last name change (if male..most credit card companies will accept a female last name change over the phone). I am also surprised that they would allow a credit card package to be delivered to an apartment complex unattended in LA....that kind of goes against your first problem with the fraud detection!

Hopefully your other experiences with them will be better!

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Postby lexareece » Tue Oct 30, 2012 2:20 pm

I have had a few shipping problems with AMEX actually but I have two different offices and 3 different addresses depending on what time of year it is.... They seem to just choose the one they please regardless of what i specifically tell them.... Bills and statements I don't care about since I normally pay online but when I need new employee cards or the likes sent, it can be frustrating... As I often have temporary employees I have to do this often.

The always fix it any always overnight it promptly tho... Just not always to the correct place!!!
In my Wallet-
[size=60]Bank of America-Platinum Privledges Cash Rewards Visa Signature 12K
American Express- , Starwood Preferred Guest 6K, Hilton Honors 6K, Amex Everyday 10K, Business Gold Rewards
Chase- Freedom Visa Signature-6K, United Millage Plus Explorer Platinum Visa-5K
Barclays- US Airways Dividend Miles Business Master Card 24K[/size]

[size=60]In a Drawer
Bank Of America- Platinum Plus Rewards- 22K, Royal Caribbean Visa Signature 8K
Discover- More Card 8K
Citi- Thank You Mastercard Card 6K, Hilton Honors Visa Signature-10K, American Airlines World Master Card 6.5K
Credit Union Card- 20K- 6.9%APR NO Fees Period(for when I get in trouble[/size]

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Postby DoingHomework » Tue Oct 30, 2012 9:05 pm

It does sound like you had a bad experience. My experience with AMEX has been much better but I think there might be something else going on here. There are two things about AMEX that make it different from other card issuers. First, it is much more cautious. That probably explains why it initially rejected your purchases. As was mentioned, the geographic area was probably a factor as was the fact that your card was fairly new.

The second thing that makes AMEX different is that they target a higher end customer for their cards. They have expanded into lower tiers recently but their culture is for the high end.. They are used to dealing with business people and professionals that call in when there is a problem and deal with the issue clearly and professionally. I'm not saying you did not do that. But frankly, calling to complain about having your full name rather than just initial after requesting your full name in writing is a little bit unprofessional. So that could have had something to do with the entire situation.

When there was some question about the delivery status of your card, that could have put your entire account on some kind of alert as well and that might have tipped the scales when you tried to charge at Best Buy. Also, you mentioned you had the card sent to your new address. That is another red flag. I have had the same address for about 25 years and they can easily verify it, which they routinely do. When your address for sending the card did not match the address they could verify in Lexis Nexis or through the credit bureaus...another red flag. So basically, you may have done nothing wrong. But when you are moving to the big leagues you should probably expect a higher level of scrutiny and higher expectations of what you know and how you should behave.

Something else - you mentioned being embarrassed at Target. I had my card declined once. AMEX called my cell immediately, before the clerk even noticed the decline. I answered and was told there had been an attempt to charge at XXXX that had been declined because of a heightened level of fraudulent charges from that merchant. I simply turned the situation around and told the clerk that the charge was declined because of potential fraud by her store and that she better get the store manager. Meanwhile the people in lien behind me are wondering about the whole store. I was not embarrassed. The line manager shows up and starts to follow procedure. I asked him if he was authorized to address a fraud allegation against the store. He said he wasn't so I said I'd need to speak to the store manager or I would call the police. The store manager showed up and we resolve the issue. He spoke with AMEX, I told them the charges were legit, and they asked me a couple of security questions like my billing address and ssn. That was it. No embarrassment for me but not fun for the store manager. The whole process took like 5 minutes. Frankly was glad that they are vigilant.

Your experience was unfortunate and not handled well. But I think you had some part in it unwittingly. AMEX is a fantastic company to work with when you have an actual problem with a merchant or when they make a mistake. They made a booking mistake when booking something for me once too and really bent over backwards helping me. In the end they not only corrected the problem, they paid for the hotel room I was booking as an apology.

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Postby 0_to_60 » Tue Oct 30, 2012 9:41 pm

If you dnt mind answering, how much did you spend at best buy and target? were they over 500 dollar transactions?
I received my Amex couple weeks ago, and i headed to costco days later, and i knew i was about to make a $300-500 transcation, prior purchase i called Amex and i notified them. They said that im ok, the only time the fraud alert will kick in, if i spent 1000 bucks on some electronic item then go to another store spend another 500 on something else. They said were still monitoring your spending pattern and etc.

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