Don't be me - I poked the Amex bear

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MemberSince99
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Don't be me - I poked the Amex bear

Postby MemberSince99 » Fri May 24, 2013 6:10 pm

You know what they say about poking the bear - no good can come of that.

My card was dated 2013 but my online account is dated 1999. So I called them for what I thought would be a simple thing - to ask for a card with 1999 on it for the member since date.

Bad idea. Really bad idea. The guy goes do you have a gap since your last card and I said yes. So he says well I can't see anything your old records are in the archives it can be difficult to get to them so I have filled out a request for them to look at the archives for your account and it will take 10-12 business days.

Thinking for a change I realized if they do that, they are going to see the charged off accounts, which they do not apparently see now (though they know my member since date in any case). So I said oh really well I don't want to put you to any trouble, no need to bother with it then I'll just keep what I have. He says I'm sorry sir I cannot undo this request now.

So, that's what you get when you poke the bear. Let's just say they are NOT going to be thrilled when they open that and see those charged off cards. I imagine it won't be long and they'll be shutting me down.

So all I can say is, don't be me, seriously. If you get back in with them, and you don't get your backdate on the new card, be thrilled and just leave it be, even if it's not backdated. Don't poke the bear. I just can't seem to not be that way which is why I'm a big time loser in life in every aspect of it. Just the truth. I want to put this out here so you can learn from my mistakes, and this was one of them, big time. Don't do this.


AMEXPlatino86
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Postby AMEXPlatino86 » Fri May 24, 2013 6:20 pm

I thought that you were going to lay VERY low for the moment?
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
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Robrus1
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Postby Robrus1 » Fri May 24, 2013 6:30 pm

Well so much for your laying low plan. They may not shut you down. Maybe they'll put what you owe them on your gold card balance. Did you owe the Amex Bear a lot of money? Now I only want to refer to Amex CS as the Amex Bear. Calling to request a card backdated to when you didn't pay them might not have been the best move, but hey, just wait and see what happens. Depending on how much you owe them, you may be ok. I hope you'll update us with what they say.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

Bksuper
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Location: California

Postby Bksuper » Fri May 24, 2013 7:00 pm

I'm really interested to see what they do with this. Please post when you find out.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

KrazyNick
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Location: South Carolina

Postby KrazyNick » Fri May 24, 2013 7:24 pm

Awwww man! Sorry to hear! I don't blame you I probably would of called too! Let us know what happens!
Bank of America Travel Rewards Visa Signature - 5k (2/10)
Capital One Mastercard- 2.5k (1/11)
Chase Freedom- 5k (4/11)
Discover It- 3k (5/11)
Chase Amazon Visa- 2k (5/13)
American Express Blue Cash Everyday- 8k (5/13)

Bank of America WorldPoints Rewards for Business- 18k (11/11)

Bksuper
Centurion Member
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Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Fri May 24, 2013 7:38 pm

The WCS is they do shut you down, and your other credit issuers with new tentative accounts see, and shut you down as well. From my past experiences with Chase, it sounds exactly like what they would do for a new CSP account if there was anything negative on the report during the new acct phase.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

MemberSince99
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Location: WI

Postby MemberSince99 » Fri May 24, 2013 7:48 pm

I was going to lay very low. I had no idea they had archived that stuff, as it said member since 1999 online, and last year all I had to do was call and ask for a new card and it was no problem. Things change obviously. That's why I'm posting so people can learn from the dumb things I do.

They can't put that balance on my Gold card - it's probably against the law to do that as it's well past statute and they just paid millions in fines for illegal collection practices so I doubt they want to poke that government bear. They can of course ask me to pay it but I know of no way they can compel me to. To put it on my card balance then report it as delinquent if I don't pay would surely violate the law. So, I don't think they can or would even want to do that, too risky for them.

It wasn't that much, I can't remember the exact amount anymore (though I'm sure they know to the penny) but it was like 2400 to 2600, in that range. Not huge as far as a dollar amount, though to get screwed out of that MAKES it huge I will grant you.

According to what I read of their settlement, I'm not sure what they would be able to do other than shut me down. I mean if it REALLY cleared the slate, I'd probably suck it up and do it, but with them who knows if that would do it or not. Chase let a lot more than that go and I'm not at all worried what they may do because unlike me and Amex they don't seem so bipolar.

VERY dumb move I think we can all agree in hindsight. Very dumb.

I'll let you know what happens. I don't see a good result. And you know what I don't DESERVE a good result for being that idiotic. I really thought it would be a simple phone call (like last year) and away I go. It COULD still happen but I sure wouldn't bet on it. I will keep you posted but hopefully someone is smarter than I was and learns from this. Even if by some miracle I get away with this, DON'T I repeat DON'T do it!!!

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri May 24, 2013 7:50 pm

Bksuper wrote:The WCS is they do shut you down, and your other credit issuers with new tentative accounts see, and shut you down as well. From my past experiences with Chase, it sounds exactly like what they would do for a new CSP account if there was anything negative on the report during the new acct phase.


Um, how can they put a 10 (almost 11) year old charge off back onto my report? How many laws will that violate? I'm sure you've heard of illegally re-aging debt? How would that not be an example of that? I'm not worried about them resurrecting that debt they can't legally do that. I'm worried they will just close me down. I don't see Chase following suit just from a creditor closing an account.

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri May 24, 2013 8:12 pm

I'm honestly torn on this one. Part of me says just close the account and be done and move on.

Or maybe I just wait and see what if anything happens.

I'm not sure on what the best option is for now. I'll think about it over the weekend and come to a decision and do it next week. I don't really see what I have to lose by waiting for their move. So my account says closed by issuer instead of closed at consumer request, I doubt it would make that much difference.

Robrus1
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Postby Robrus1 » Fri May 24, 2013 8:25 pm

Don't close it! Just wait and see what happens. Maybe you should call their green or some other card # and ask a CS rep how that works without saying who you are.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K



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