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  1. #1
    shilpaaga
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    Default AmEx Purchase Protection & Lost iPhone

    I recently lost my USD $600 smart phone which i had bought via American Express from Best Buy. Since I had purchase protection on it, i filed the claim and they credited my account within few days.

    Two days after that I found that my phone was lying under the bed and I couldn't locate it because the battery had died. Should i return the money back to Amex? Even if I don't, how would they get to know that I have my phone back?

    I also have Geek Squad protection on my phone. If i ever damage it and take it back to Best Buy, will Amex come to know about it from best Buy?

    Just don't feel like parting with USd 600 i got from Amex

    Any suggestions?
    Thanks,
    Shilpa
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    Reply With Quote Reply With Quote     Feb 20, 13, 8:17 pm
  3. #2
    CreditCardGuru
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    If you don't return the money to AmEx that is called INSURANCE FRAUD and given the dollar value, I believe that qualifies as a Class D felony.

    Return the money!!!

    And do not post here again asking if/how you can break the law. Unbelievable.
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    Reply With Quote Reply With Quote     Feb 21, 13, 10:37 am
  4. #3
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    You sign up for a credit card forum to ask if you can steal?
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    Reply With Quote Reply With Quote     Feb 21, 13, 10:41 am
  5. #4
    Cyberius
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    Contact them and return it. If they somehow find the ESN / IMEI is active you could face penalties down the line.

    Not returning it would be insurance fraud.
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    Reply With Quote Reply With Quote     Feb 21, 13, 10:42 am
  6. #5
    Calipso
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    I've done a lot of slimey things to major companies to get myself a quick buck. I'm not gonna lie, I liked to screw companies that crapped on consumers and myself.

    Amex though, have been more than good to you right? They've been excellent to me. Coming from a somewhat reformed dirtbag, I'd call them up and notify them you located the phone and would like to lift the repayment.

    You may not believe in karma, but I sort of do. Keep the phone and the money, and it'll catch up with you in another shape or form. No need to defraud a company that treats most of us well.
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    Reply With Quote Reply With Quote     Feb 21, 13, 12:31 pm
  7. #6
    Sevenfeet
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    I agree with the others. Call them back, explain the situation and find out how to return the money. It may be as simple as them making a charge on your Amex against the amount and then you pay your card as normal. Problem solved.
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    Reply With Quote Reply With Quote     Feb 21, 13, 2:27 pm
  8. #7
    Moneytalks
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    Easiest question I've answered: RETURN THE $$$$$ Call and explain exactly what happened and that should be the end of it. If you don't, you are taking a risk that's far greater than that $600...
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    Reply With Quote Reply With Quote     Feb 21, 13, 2:42 pm
  9. #8
    ncosky290
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    As others stated. Best interest for you would be to return the funds.
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    Reply With Quote Reply With Quote     Feb 21, 13, 4:38 pm
  10. #9
    Robrus1
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    Tell them what happened IMMEDIATELY. Don't be a petty thief. It's not worth it and it's just plain wrong.
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    Reply With Quote Reply With Quote     Feb 22, 13, 6:00 am
  11. #10
    Cyberius
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    Quote Originally Posted by Calipso View Post
    You may not believe in karma, but I sort of do. Keep the phone and the money, and it'll catch up with you in another shape or form. No need to defraud a company that treats most of us well.
    Well said. I fully believe in karma, and I've always found that if I'm good to others, good things seem to happen to me. It may be just more of an effect of positive thinking and that if you are kind to others, they are kind to you, but it always seems to work out for the best.
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    Reply With Quote Reply With Quote     Feb 22, 13, 6:26 am
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