Post by: LevyE on April 03, 2019, 03:37:11 PM
I have never been late on a payment and had a $27k credit limit on my personal card and a $350k limit on the business card. My credit score is 820 and I've always provided them whatever financials they requested.
The only thing I can think of is that in previous years I put a lot of charges on the business card, over $6m a year and this year, because the Marriott points aren't worth as much, I've barely used it. I did have an Amex rep come down to meet me trying to get me to move my buying over to another card, but the rewards were not as good as what I am currently getting.
Has anybody ever experienced this and are there any options?
Thanks!
"We want to let you know that after a recent review of your American Express® account(s), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose.
Important steps to take for your cancelled accounts
For next steps, please complete the following:
Ensure that any Additional Card Members are also advised of the cancellation(s).
Cut your Cards in half or, in the case of titanium Cards, please return them to us and we'll destroy them for you.
Cancel any standing orders, subscriptions, and automatic billing directly with the merchants."
Post by: AJK on April 03, 2019, 10:26:58 PM
Common denominator among those closed is that the card(s) were used at one of the merchants running a scam/ponzi scheme, e.g. Toner, Sterling, Caretech, etc., which is probably what AmEx meant by "charges identified as non goods and services."
Post by: David1 on April 03, 2019, 10:33:18 PM
You're not alone, but unfortunately you are without recourse.I had the same thing happen to me yesterday. I never put large balances on my cards and never was late on a payment. Never used my card at one of those merchants? Is there really nothing that can be done to get the cards reactivated?
Common denominator among those closed is that the card(s) were used at one of the merchants running a scam/ponzi scheme, e.g. Toner, Sterling, Caretech, etc., which is probably what AmEx meant by "charges identified as non goods and services."
Post by: LoLo on April 03, 2019, 10:37:00 PM
I did have an Amex rep come down to meet me trying to get me to move my buying over to another card.Wow.
Post by: tmendy226 on April 03, 2019, 10:50:00 PM
Post by: davidrotts63 on April 03, 2019, 11:03:16 PM
Post by: ah giten on April 04, 2019, 12:04:26 AM
Do they really have the rights to do things like this, without option of appealing?
It was my first credit card and now my credit history will bump a few years.
Post by: sillypainter on April 04, 2019, 12:16:12 AM
Can we maybe take legal action against them?
Do they really have the rights to do things like this, without option of appealing?
It was my first credit card and now my credit history will bump a few years.
Does CRONY have 2 aliases here?
Post by: joey89 on April 04, 2019, 12:38:50 AM
Can we maybe take legal action against them?Burner accounts, all the rage.
Do they really have the rights to do things like this, without option of appealing?
It was my first credit card and now my credit history will bump a few years.
Post by: LevyE on April 04, 2019, 11:18:24 AM
Did you call for an explanation?
Yup, they had me leave a voicemail with a supervisor who called me back. He didn't give any additional information regarding the charges, or why they decided to close the account and was extremely curt and rude. I was very cordial and polite on the phone, I was just curious since this came from left field.
He said that I would never be able to open an Amex account in my lifetime, I shouldn't call them again and they would not call me again.
Hopefully this means that I will stop getting their mailings as well. ;D
Post by: Naftuli19 on April 04, 2019, 11:37:07 AM
Can we maybe take legal action against them?i had a chase supervisor tell me "You choose who you bank with, We choose who are customers are"...
Do they really have the rights to do things like this, without option of appealing?
It was my first credit card and now my credit history will bump a few years.
Post by: stooges44 on April 04, 2019, 12:51:43 PM
Yup, they had me leave a voicemail with a supervisor who called me back. He didn't give any additional information regarding the charges, or why they decided to close the account and was extremely curt and rude. I was very cordial and polite on the phone, I was just curious since this came from left field.
He said that I would never be able to open an Amex account in my lifetime, I shouldn't call them again and they would not call me again.
Hopefully this means that I will stop getting their mailings as well. ;D
Oh my, so scary.
Was it organic spending or mostly ms?
Post by: LevyE on April 04, 2019, 01:16:35 PM
Oh my, so scary.
Was it organic spending or mostly ms?
I don't know what MS stands for, but there was no funny business done on the cards. They were used to purchase merchandise and employee cards were used for travel.
Post by: Naftuli19 on April 04, 2019, 01:18:56 PM
I don't know what MS stands for, but there was no funny business done on the cards. They were used to purchase merchandise and employee cards were used for travel.Manufactured Spend
Post by: thankyoudan on April 04, 2019, 01:23:30 PM
Post by: LevyE on April 04, 2019, 01:43:35 PM
Maybe a cc charge to your own company?
Nope, I never charged my own card.
Post by: LoLo on April 04, 2019, 02:11:38 PM
Post by: sillypainter on April 04, 2019, 02:46:40 PM
Nope, I never charged my own card.
Blood relative?
Post by: elef on April 04, 2019, 04:11:37 PM
Post by: 16guitar on April 04, 2019, 06:24:26 PM
Post by: mendy from lakewood on April 04, 2019, 06:28:41 PM
Post by: LoLo on April 04, 2019, 06:39:24 PM
Rumor is that Fidelity Payments does not want to this to happen so they are basically forcing amex to close all accountsAll accounts belonging to whom?
Post by: TravelSER on April 04, 2019, 06:52:53 PM
This thread is so scary should I transfer all my Amex points out in case they decide to close itI was thinking the same.
Post by: ah giten on April 04, 2019, 08:12:57 PM
I was thinking the same.Points disappear from online but are not forfeited. You need to call in if the account is closed.
Post by: Joel2 on April 04, 2019, 09:52:57 PM
Rumor is that Fidelity Payments does not want to this to happen so they are basically forcing amex to close all accountsWelcome to DDF!
What are you talking about???
Post by: zagguru on April 04, 2019, 10:15:34 PM
Post by: LoLo on April 04, 2019, 10:47:46 PM
Post by: LevyE on April 05, 2019, 09:34:26 AM
What happens to the points? Do you have time to take them out?
This was an SPG/Marriott card. The points automatically get applied to the Marriott account at the end of the month. They're still there.
Post by: hvaces42 on April 05, 2019, 05:10:24 PM
Post by: davidrotts63 on April 05, 2019, 05:37:36 PM
What does this mean? Does this person have to pay or not?Someone just sent me the same. Unclear.
Post by: ludmila on April 05, 2019, 05:41:05 PM
Someone just sent me the same. Unclear.Was this a balance from swiping? Does it show settled without the card holder paying off the balance? Were the accounts closed?
Post by: gingyguy on April 05, 2019, 05:42:07 PM
Post by: davidrotts63 on April 05, 2019, 05:43:13 PM
Was this a balance from swiping? Does it show settled without the card holder paying off the balance? Were the accounts closed?His was $430...
Post by: LoLo on April 05, 2019, 05:44:11 PM
Post by: ludmila on April 05, 2019, 05:44:51 PM
His was $430...$430k? Was account shut down? Showing settled to me means that it is paid off. No?
Post by: ludmila on April 05, 2019, 05:45:38 PM
Related to the swiping schemes?I really really doubt Amex will let these go.
Post by: davidrotts63 on April 05, 2019, 05:45:53 PM
$430k? Was account shut down? Showing settled to me means that it is paid off. No?No. $430 total. IINM it's still open.
Post by: hvaces42 on April 05, 2019, 05:46:14 PM
Related to the swiping schemes?Yes a 11213 account. Shows this balance. Account closed. Very weird.
Post by: LoLo on April 05, 2019, 05:46:24 PM
Post by: gingyguy on April 05, 2019, 05:49:30 PM
Wondering if something was settled behind the scenes.Straight with Amex leaving out the swiper? Hard to believe
Post by: LoLo on April 05, 2019, 05:50:55 PM
Still hard to believe, agreed.
Post by: ludmila on April 05, 2019, 05:57:09 PM
The AHs don't have the funds, and Amex knows it.+1 These banks do not care if they have the funds or not, they will do whatever they can to collect.
Still hard to believe, agreed.
Post by: AJK on April 05, 2019, 06:02:16 PM
Post by: ludmila on April 05, 2019, 06:04:37 PM
Seem this for millions in charges. Not sure what to make of it, but I think it very unlikely that Amex is simply going to walk away from these amounts.Correct, from what I read is Amex is the toughest to settle with on unpaid balances.
Post by: Dan on April 05, 2019, 06:05:45 PM
What does this mean? Does this person have to pay or not?Sounds like no.
What happened?
Post by: hvaces42 on April 05, 2019, 06:08:00 PM
Sounds like no..
What happened?
Posting for someone else here who doesnt want to ask. They have the money to pay. Was just closed due to 11213 address. 2 family members have that same issue.
Post by: gingyguy on April 05, 2019, 06:09:20 PM
Post by: AJK on April 05, 2019, 06:10:51 PM
Seen this recently for millions in charges. Not sure what to make of it, but I think it very unlikely that Amex is simply going to walk away from these amounts.Alternate universe:
Some big time gvir approached Amex and said, "You're going to be out $50 million, because less than 5% of the people who were swiping have the ability to pay their bill. I'll give you $25 million today, but you wipe out the outstanding debts and do so without imposing negative effects on their credit."
"Deal."
Post by: ludmila on April 05, 2019, 06:11:48 PM
Post by: hvaces42 on April 05, 2019, 06:13:02 PM
What does it say where it says CR Partial---- the rest does not show?I think its annual fee refund
Post by: gingyguy on April 05, 2019, 06:15:00 PM
Alternate universe:I wouldn't mind such a universe.
Some big time gvir approached Amex and said, "You're going to be out $50 million, because less than 5% of the people who were swiping have the ability to pay their bill. I'll give you $25 million today, but you wipe out the outstanding debts and do so without imposing negative effects on their credit."
"Deal."
Post by: davidrotts63 on April 05, 2019, 06:18:33 PM
Alternate universe:Thanks for exposing me. You're welcome guys.
Some big time gvir approached Amex and said, "You're going to be out $50 million, because less than 5% of the people who were swiping have the ability to pay their bill. I'll give you $25 million today, but you wipe out the outstanding debts and do so without imposing negative effects on their credit."
"Deal."
Post by: LevyE on April 08, 2019, 05:31:00 PM
Post by: AJK on April 08, 2019, 05:31:45 PM
It turns out I did have 4 transactions at Sterling Electronics last year. I wonder if that was it.
Ding ding ding.
Common denominator among those closed is that the card(s) were used at one of the merchants running a scam/ponzi scheme, e.g. Toner, Sterling, Caretech, etc., which is probably what AmEx meant by "charges identified as non goods and services."
Post by: Dan on April 08, 2019, 05:37:28 PM
Post by: mmgfarb on April 08, 2019, 06:30:01 PM
It turns out I did have 4 transactions at Sterling Electronics last year. I wonder if that was it.How large.
Post by: sruly on April 08, 2019, 06:30:57 PM
It turns out I did have 4 transactions at Sterling Electronics last year. I wonder if that was it.I spent $90 there 6 months ago, should I be worried?
Post by: elef on April 08, 2019, 06:43:21 PM
Welcome to DDF!
What are you talking about???
Thanks for the welcome !
Fidelity is working with card issuers to close accounts that swiped by these merchants as a deterrent for future cardholders
Fidelity was the card processor for a majority of the merchants
Post by: Dan on April 08, 2019, 06:44:17 PM
How large.https://youtu.be/l91ISfcuzDw
Post by: mmgfarb on April 08, 2019, 06:48:08 PM
https://youtu.be/l91ISfcuzDwLol, should have seen that coming.
Post by: yelped on April 08, 2019, 06:53:38 PM
It turns out I did have 4 transactions at Sterling Electronics last year. I wonder if that was it.For swiping purposes? Or you purchased merchandise from them?
Post by: Joel2 on April 08, 2019, 09:14:38 PM
Thanks for the welcome !Interesting.
Fidelity is working with card issuers to close accounts that swiped by these merchants as a deterrent for future cardholders
Fidelity was the card processor for a majority of the merchants
Post by: LevyE on April 08, 2019, 09:53:30 PM
For swiping purposes? Or you purchased merchandise from them?
It was for merchandise and was charged on my personal account on my wife’s card. Two transactions were just over $50 and the other two were identical at $31 and change. The charges were done in April and June of last year.
Post by: yelped on April 08, 2019, 10:10:29 PM
It was for merchandise and was charged on my personal account on my wife’s card. Two transactions were just over $50 and the other two were identical at $31 and change. The charges were done in April and June of last year.Ouch. This shutdown does sound excessive, in this case. Did you try calling one of your representatives to try and get back in?
Post by: ludmila on April 08, 2019, 10:13:40 PM
I spent $90 there 6 months ago, should I be worried?No.
Post by: ludmila on April 08, 2019, 10:17:06 PM
It was for merchandise and was charged on my personal account on my wife’s card. Two transactions were just over $50 and the other two were identical at $31 and change. The charges were done in April and June of last year.I doubt these small charges at Sterling could have triggered it, if this was the reason and they are looking at certain area codes and merchants, then keep trying to find out why, good luck.
Post by: ah giten on April 09, 2019, 02:16:10 AM
Invariably when people say they can't see why they were shutdown, eventually realize exactly why they were shutdown...I had no charges by any of these merchants AFAIK.
But I had blood relatives that did, and all got FR'd and then shut down.
Post by: Dan on April 09, 2019, 07:56:04 AM
Post by: EJB on April 09, 2019, 08:18:58 AM
Post by: Don Will on April 09, 2019, 05:01:16 PM
@Dan , you should really warn people not to do these kind of things.... ;D ;D ;DHilarious.
Is everything a joke with you?
Post by: halperng on April 09, 2019, 07:52:26 PM
I did have an Amex rep come down to meet me trying to get me to move my buying over to another card
call this loser up and let him know you are ready to move to another card... and oh by the way my account got shut down - so first lets figure out how to get it back and then we can get to moving to the card. He is financially motivated and will do whatever it is to see what happened, nobody else making $8 an hour will care to help you. It might be your only shot
Post by: ah giten on April 09, 2019, 08:41:34 PM
Same address as the relatives?Nope
Different zip code as well
Post by: chff on April 15, 2019, 08:13:12 PM
Post by: LevyE on April 16, 2019, 09:43:47 AM
@LevyE if all your charges is legit, file a complaint with the CFPB - www.consumerfinance.govThanks for that idea. I filed a complaint and will update with any additional information I receive.
Post by: Moishebatchy on April 17, 2019, 09:31:28 AM
Hilarious.
Is everything a joke with you?
@EJB? Of course.
Post by: Redbull3 on April 17, 2019, 09:59:17 AM
call this loser up and let him know you are ready to move to another card... and oh by the way my account got shut down - so first lets figure out how to get it back and then we can get to moving to the card. He is financially motivated and will do whatever it is to see what happened, nobody else making $8 an hour will care to help you. It might be your only shotThis is good advice
Post by: KSMH on April 17, 2019, 10:24:58 AM
Many times, banks and Corps will do a lot to settle minor lawsuits. Depending on jurisdiction they know they will have a hard time winning. NYC judges dont favor big corps.
From first hand knowledge their lawyer have wide discretion or get approval for settlements easily.
The lawyers they use are not high powered or anything like that.
Post by: tzifanya54 on April 17, 2019, 10:28:43 AM
IMHO what were to happen if you were to sue them? You do have real damages, you CS went down.Very true. I am familiar with a case that Amex paid out 4 cents per MR point x a few million points, to make a a lawsuit go away.
Many times, banks and Corps will do a lot to settle minor lawsuits. Depending on jurisdiction they know they will have a hard time winning. NYC judges dont favor big corps.
From first hand knowledge their lawyer have wide discretion or get approval for settlements easily.
The lawyers they use are not high powered or anything like that.
Post by: LoLo on April 17, 2019, 12:20:46 PM
Post by: KSMH on April 17, 2019, 12:47:49 PM
Once their lawyers get a copy they will usually contact you to settle.
If the case evolves, you can usually file an amended complaint and hire a lawyer.
Instead of fighting a company over warranty claims filling out a 1 page lawsuit can many times be easier.
Post by: LevyE on April 29, 2019, 10:43:21 AM
@LevyE if all your charges is legit, file a complaint with the CFPB - www.consumerfinance.govI got a response back from Amex after I filed the complaint. I'm still in the dark.
"We’re writing in response to your recent correspondence to the Consumer Financial Protection Bureau. We closed your accounts with us in accordance with our terms.
We reserve the right to take action on accounts that do not comply with our terms. This action can include cancelling the account. According to your past account behavior, we have concluded that you have a pattern of not complying with our offer terms. We cancelled all of your American Express Cards with us on April 2, 2019 as explained in the enclosed emails sent to you on the same dates. You can review the full terms of your accounts by visiting us at americanexpress.com/agreements.
On April 3, 2019, we spoke to you about the cancellation of your account. We explained that after an account review we confirmed that you had used your Card at a merchant for items other than goods and services. We offered a call back and a supervisor called you back and explained the same. Regrettably, we were unable to provide you the name of the merchants.
We understand this isn’t your desired outcome, but we appreciate you allowing us to address your concerns.
Sincerely,
C. Vila
Customer Advocate Services Team
American Express
Global Services Group, Salt Lake City, UT"
Post by: Pad18 on April 29, 2019, 03:37:53 PM
Quote
According to your past account behavior, we have concluded that you have a pattern of not complying with our offer terms.
Did you play game with offers !? Aka multiple AU for offers ..
Quote
We explained that after an account review we confirmed that you had used your Card at a merchant for items other than goods and services.
Did you manufacturer spending in any way ? Or use it on one of the recent PSA fiasco ?
Post by: ludmila on April 29, 2019, 07:42:56 PM
Did you play game with offers !? Aka multiple AU for offers ..It is not MS for sure, it says at a merchant not for goods or services.
Did you manufacturer spending in any way ? Or use it on one of the recent PSA fiasco ?
Post by: Yehuda25 on April 29, 2019, 08:49:01 PM
Yup, they had me leave a voicemail with a supervisor who called me back. He didn't give any additional information regarding the charges, or why they decided to close the account and was extremely curt and rude. I was very cordial and polite on the phone, I was just curious since this came from left field.ouch oy
He said that I would never be able to open an Amex account in my lifetime, I shouldn't call them again and they would not call me again.
Hopefully this means that I will stop getting their mailings as well. ;D
Post by: Yehuda25 on April 29, 2019, 08:50:18 PM
Someone just sent me the same. Unclear.+1, seems unclear, some kind of pending status for the account - but im sure the AH will have to pay at the end. Shame it couldn't be a nice severance package:(
Post by: Yehuda25 on April 29, 2019, 08:51:26 PM
Thanks for the welcome !Source??
Fidelity is working with card issuers to close accounts that swiped by these merchants as a deterrent for future cardholders
Fidelity was the card processor for a majority of the merchants
Post by: Yehuda25 on April 29, 2019, 08:53:49 PM
I doubt these small charges at Sterling could have triggered it, if this was the reason and they are looking at certain area codes and merchants, then keep trying to find out why, good luck.Unfortunately it seems that a lot of these shutdowns have been systematic. So, charge amount does not necessarily matter. I know that sounds crazy.
Seems like there is one merchant that is still swiping cards at their grocery store... Perhaps its time for a wiki?
Post by: Pad18 on April 29, 2019, 08:57:01 PM
It is not MS for sure, it says at a merchant not for goods or services.
A charge by a marchant bot for good or services mean exactly MS ..
Post by: Joel2 on April 29, 2019, 09:39:58 PM
Unfortunately it seems that a lot of these shutdowns have been systematic. So, charge amount does not necessarily matter. I know that sounds crazy.+1
Seems like there is one merchant that is still swiping cards at their grocery store... Perhaps its time for a wiki?
Post by: KSMH on April 30, 2019, 10:27:34 PM
Story: Friend of mine does spending for merchant on AMEX cards in tune of 10k per month. Yes, I have warned him numerous times not to but...... no 1 is home
. Each month at the end of billing cycle his card is paid in full and recharged. His and a second individual doing spend at the same merchant got shut down. There was no defaulted payments. My assumption is Amex is cracking down on this kind of behavior and rightfully does not want customers that are risky. Post by: Yehuda25 on April 30, 2019, 10:44:43 PM
Conclusion: Amex has a new system in place that detects a pattern of swiping that would indicate cc spend is not for services or merchandise and shuts down accounts associated.yeah, definitely seems merchant based.
Story: Friend of mine does spending for merchant on AMEX cards in tune of 10k per month. Yes, I have warned him numerous times not to but...... no 1 is home
Post by: LoLo on May 01, 2019, 12:37:30 AM
Post by: tzifanya54 on May 01, 2019, 08:27:54 AM
Conclusion: Amex has a new system in place that detects a pattern of swiping that would indicate cc spend is not for services or merchandise and shuts down accounts associated.I don’t get it he was spending for the merchant, so why is that not goods or services being provided?
Story: Friend of mine does spending for merchant on AMEX cards in tune of 10k per month. Yes, I have warned him numerous times not to but...... no 1 is home
Post by: KSMH on May 01, 2019, 09:33:47 AM
Post by: TimT on May 01, 2019, 09:39:06 AM
He was not receiving any merchandise,How would the bank know that ?
1) how was he paying his card each month
2) what kind of merchandise does this merchant offer
Post by: KSMH on May 01, 2019, 10:17:04 AM
2. Clothing
My point is, Amex is picking up on spending habits and if someone is repetitively swiping at same merchant, maxing out each month it'll trigger some type of overview of account or possibly, if a terminal owner claims he sells clothing retail and there are large CC charges from the same "costumers" over and over again amex will pick that up. Why would a clothing retailer have 10k+ charges each month from the same customer ?
I cant say forsure this is what's happening but based on the fact they closed accounts associated with people doing this kind of spending without YET defaulting, IMHO it's fair to say they have some type of system to pick up this type of behavior.
Post by: Yehuda25 on May 01, 2019, 10:53:05 AM
1. Merchant payed directlyyup
2. Clothing
My point is, Amex is picking up on spending habits and if someone is repetitively swiping at same merchant, maxing out each month it'll trigger some type of overview of account or possibly, if a terminal owner claims he sells clothing retail and there are large CC charges from the same "costumers" over and over again amex will pick that up. Why would a clothing retailer have 10k+ charges each month from the same customer ?
I cant say forsure this is what's happening but based on the fact they closed accounts associated with people doing this kind of spending without YET defaulting, IMHO it's fair to say they have some type of system to pick up this type of behavior.
Post by: TimT on May 01, 2019, 11:16:36 AM
1. Merchant payed directlyIsn’t that a red flag ?
Post by: joey89 on May 01, 2019, 11:41:25 AM
Isn’t that a red flag ?It’s basically telling the bank/CC, I am lending this guy your money that you wouldn’t lend to this guy.
Post by: KSMH on May 01, 2019, 10:51:55 PM
Post by: chayal101 on May 07, 2019, 12:57:46 PM
After logging into my account I noticed a points adjustment of 25k. Anyone have this happen to them? And any chance Amex will continue to pursue further investigation into my account (FR or account shutdown)?
Post by: TimT on May 07, 2019, 01:01:41 PM
I just got an email from Amex that "After careful review of your MR account, we have removed points in your account... We recently noticed point accrual or redemption activity indicates a manner that is not appropriate..." They go on to include the paragraph from Terms "If we in our sole discretion determine that you have engaged in abuse, misuse...."Do you know why they deducted it ?
After logging into my account I noticed a points adjustment of 25k. Anyone have this happen to them? And any chance Amex will continue to pursue further investigation into my account (FR or account shutdown)?
Post by: chayal101 on May 07, 2019, 01:09:12 PM
Do you know why they deducted it ?No idea... I recently shut down 2 green cards... Transferred 60k to airline via AU... 25k amount feels like a general amount, not related to any particular activity. I don't feel like I'll benefit in any way by calling Amex, I would just let it go. I normally get a phone call from them, but none this time, just an email.
Post by: Yehuda25 on May 07, 2019, 01:16:23 PM
I just got an email from Amex that "After careful review of your MR account, we have removed points in your account... We recently noticed point accrual or redemption activity indicates a manner that is not appropriate..." They go on to include the paragraph from Terms "If we in our sole discretion determine that you have engaged in abuse, misuse...."yeah, they recently did this to me too. But I do agree, 25k seems quite odd...
After logging into my account I noticed a points adjustment of 25k. Anyone have this happen to them? And any chance Amex will continue to pursue further investigation into my account (FR or account shutdown)?
Post by: chayal101 on May 07, 2019, 01:18:23 PM
yeah, they recently did this to me too. But I do agree, 25k seems quite odd...Did you attempt to get back your points?
Post by: Yehuda25 on May 07, 2019, 01:21:07 PM
I just got an email from Amex that "After careful review of your MR account, we have removed points in your account... We recently noticed point accrual or redemption activity indicates a manner that is not appropriate..." They go on to include the paragraph from Terms "If we in our sole discretion determine that you have engaged in abuse, misuse...."yeah, they recently did this to me too. But I do agree, 25k seems quite odd...
After logging into my account I noticed a points adjustment of 25k. Anyone have this happen to them? And any chance Amex will continue to pursue further investigation into my account (FR or account shutdown)?
Post by: peace123 on May 11, 2019, 12:47:23 AM
Upgraded on 24th March and I have been struggling to spend the $4K spend req. If I don't do it, I won't receive the bonus points.
I have been using it for everyday spend such as at grocery and clothing items online and few hundred is theme park tickets.
Post by: Mo2 on May 11, 2019, 09:36:40 PM
How do I safely spend $2500 until June 25th to meet the spend req on my Aspire card? I worry about using it to send paypal payment or even a $500 GC. Don't want to get shut down but I still have to meet at least $2500 in spend req in next 45 days.you can MS relatively safely with BGs.
Upgraded on 24th March and I have been struggling to spend the $4K spend req. If I don't do it, I won't receive the bonus points.
I have been using it for everyday spend such as at grocery and clothing items online and few hundred is theme park tickets.
Just make sure you do it responsibly and maybe dont make a habit out of it.
Do your research, read the wiki and ask for help...
https://forums.dansdeals.com/index.php?topic=97891.0
Post by: peace123 on May 11, 2019, 10:26:53 PM
you can MS relatively safely with BGs.I posted my Qs there. I didn't get what it is.
Just make sure you do it responsibly and maybe dont make a habit out of it.
Do your research, read the wiki and ask for help...
https://forums.dansdeals.com/index.php?topic=97891.0
I risk getting shut down for $500 or more spend on GCs or pay mortgage with the card with payment site. My only 2 big spend on the Aspire card is $400 at homedepot online pruchase and $400 at legoland tickets. The other purchases are small grocery and restaurant purchases. I still have $2300 to spend until June 24th and if NOT, I get no bonus and I would have paid the $450 fee. Amex is SO NOTORIUS . They have shut me down before back in around 2008 for large spend on GCs. I have amex aspire card now because of the Citi Hilton got changed to Amex hilton.
Post by: Mo2 on May 12, 2019, 12:15:19 AM
I posted my Qs there. I didn't get what it is.with the BGs there's no way for Amex to know you're doing MS.
I risk getting shut down for $500 or more spend on GCs or pay mortgage with the card with payment site. My only 2 big spend on the Aspire card is $400 at homedepot online pruchase and $400 at legoland tickets. The other purchases are small grocery and restaurant purchases. I still have $2300 to spend until June 24th and if NOT, I get no bonus and I would have paid the $450 fee. Amex is SO NOTORIUS . They have shut me down before back in around 2008 for large spend on GCs. I have amex aspire card now because of the Citi Hilton got changed to Amex hilton.
You'll usually be purchasing electronics from Best Buy or Amazon.
They can still shut you down or do a F/R if you have a sudden large spending that you didn't have before.
(From personal experience, I got a F/R on my Plat charge card for orders that I cancelled but still showed up as spending. During the F/R they specifically asked me about those purchases and I told them they were not actually charged. I passed.)
Post by: peace123 on May 28, 2019, 12:34:40 PM
Post by: Joe4007 on May 31, 2019, 12:47:47 PM
Points are gone and Amex says there's nothing to be done. Any advice other than small claims court?
Post by: BP16 on May 31, 2019, 12:50:55 PM
Amex closed a friend of mine's account with 300k+ MR points. Rep says due to "inactivity". No notice was given (rep claims they warned of closure due to inactivity during a phone conversation a few months ago when AH called to downgrade from a Biz gold to green, which according to AH is not true).Unfortunately once gone nothing to do.
Points are gone and Amex says there's nothing to be done. Any advice other than small claims court?
Post by: Joe4007 on May 31, 2019, 12:51:47 PM
Unfortunately once gone nothing to do.How can they legally take away your points without notice?
Post by: rileywiles23 on May 31, 2019, 01:11:17 PM
How can they legally take away your points without notice?They can't. Hence why you can sue them
Post by: Joe4007 on May 31, 2019, 01:22:10 PM
They can't. Hence why you can sue themThis is ridiculous. I get that big Corp's have their rules, but we're talking about a customer that gives them pretty decent annual spend. How do they expect a customer to trust them with their spend if they can simply turn around and erase those points.
Doesn't add up for me.
Post by: KSMH on May 31, 2019, 04:32:55 PM
It has been discussed, you can sue just as you can sue anyone. There are people that had success in doing so.
Depending where you live, if your not looking for big bucks, do it yourself.
Post by: mmgfarb on June 01, 2019, 06:48:22 PM
Amex closed a friend of mine's account with 300k+ MR points. Rep says due to "inactivity". No notice was given (rep claims they warned of closure due to inactivity during a phone conversation a few months ago when AH called to downgrade from a Biz gold to green, which according to AH is not true).Usually the MR account is still active for 30 days, you just can't access it online. Try speaking to an MR supervisor and see if they can transfer the points out OTP.
Points are gone and Amex says there's nothing to be done. Any advice other than small claims court?
Post by: Joe4007 on June 01, 2019, 10:18:09 PM
Usually the MR account is still active for 30 days, you just can't access it online. Try speaking to an MR supervisor and see if they can transfer the points out OTP.Correct, problem is they didn't realize account was closed until it was too late. It's over 30 days now.
Post by: ah giten on June 01, 2019, 11:37:51 PM
Post by: Joe4007 on June 02, 2019, 01:14:26 AM
you have 90 days, not 30They claim 30 and the account MR balance is zero...
Post by: Yehuda25 on June 02, 2019, 07:23:25 PM
Usually the MR account is still active for 30 days, you just can't access it online. Try speaking to an MR supervisor and see if they can transfer the points out OTP.this
Post by: Yehuda25 on June 02, 2019, 07:24:05 PM
you have 90 days, not 30Highly YMMV based on the situation. Sometimes zero. sometimes 30/60/90. Although generally 60.
Post by: Joe4007 on June 03, 2019, 05:24:37 PM
Amex closed a friend of mine's account with 300k+ MR points. Rep says due to "inactivity". No notice was given (rep claims they warned of closure due to inactivity during a phone conversation a few months ago when AH called to downgrade from a Biz gold to green, which according to AH is not true).And the 4th phone call did it. Points reinstated.
Points are gone and Amex says there's nothing to be done. Any advice other than small claims court?
HUCA!!
Post by: LoLo on June 03, 2019, 05:46:15 PM
MR dept.?
Post by: ROYA on June 12, 2019, 01:17:59 PM
I have just been notified that both of my Bonvoy Business accounts have been closed by Amex. I have never done any shady business. Mostly swiped for COGS and gas. This is devastating! One of my suppliers has 1M on hold from Amex. They said they are holding it for about three months. Does this have to do with it? I have never disputed a charge and have always paid my bill on time. This is very confusing. Does anyone know the criteria that causes an account to get shut down?
Post by: greatluck on June 18, 2019, 11:38:37 PM
Post by: KSMH on June 18, 2019, 11:48:30 PM
Amex called me they're closing my account's because of a returned payment what should I do now with my membership rewards points? Any advice how to handle this case they told me after closing maybe they can reinstate they can't stop a cancellation!Transfer out to a partner program.
Post by: greatluck on June 19, 2019, 03:52:23 PM
please anyone help I have a big amount of Amex MR there.
Post by: BP16 on June 19, 2019, 04:05:11 PM
I can't transfer out with a partner they locked my account for always closing it down, how do I proceed now filing a claim with who? Small business court? How do I file a claim with the CFPB what do I write?They locked your account for always closing it down? What does that mean?
please anyone help I have a big amount of Amex MR there.
Post by: greatluck on June 19, 2019, 04:14:37 PM
They locked your account for always closing it down? What does that mean?simple, suspending my account and forfeiting my points, and reporting to the credit bureau as closed by creditor.
Post by: LoLo on June 19, 2019, 04:39:56 PM
Post by: CountValentine on June 19, 2019, 04:59:04 PM
I can't transfer out with a partner they locked my account for always closing it down, how do I proceed now filing a claim with who? Small business court? How do I file a claim with the CFPB what do I write?Paging @AJK
please anyone help I have a big amount of Amex MR there.
Post by: KSMH on June 19, 2019, 05:55:47 PM
I can't transfer out with a partner they locked my account for always closing it down, how do I proceed now filing a claim with who? Small business court? How do I file a claim with the CFPB what do I write?Try via phone.
please anyone help I have a big amount of Amex MR there.
Post by: greatluck on June 19, 2019, 11:43:50 PM
You should have at least 30 days to get your points out, call the MR dept.doesn't allow me to transfer out
Post by: mmgfarb on June 20, 2019, 04:50:46 AM
doesn't allow me to transfer outYou spoke to a manager in the MR department?
Post by: ROYA on July 05, 2019, 09:56:34 AM
Hi,I spoke with Amex Executive Customer Care. They reviewed my account and confirmed their decision. I was very upset at first as i have done nothing wrong to deserve this. I am 99% sure that its because my main supplier had another customer who swiped a different persons card, he didn't pay that person, and that person didn't pay Amex.. I came to the realization that Amex doesn't owe us anything. They can make a business decision just as we can. I have to just suck it up and enjoy the boost in value for using the Ink Unlimited card. They quoted in the email "We understand the concern and inconvenience you have experienced over this matter. Although our decision remains the same at this time, we hope that future circumstances will allow us to resume our relationship." Does this mean i am not black listed?
I have just been notified that both of my Bonvoy Business accounts have been closed by Amex. I have never done any shady business. Mostly swiped for COGS and gas. This is devastating! One of my suppliers has 1M on hold from Amex. They said they are holding it for about three months. Does this have to do with it? I have never disputed a charge and have always paid my bill on time. This is very confusing. Does anyone know the criteria that causes an account to get shut down?
Post by: yaakovely on July 05, 2019, 05:58:28 PM
Post by: KSMH on July 07, 2019, 02:31:19 AM
Here is my 2 cents from a recent financial review and account closure. A Financial review was opened in my opinion from maxing out my available credit limit (which is pretty high) on my 0% apr Business Blue Cash Preferred Credit Card. The form 4506T that they requested was filled out for 2018 which I have filed an extension. I sent in the form for 2017 and then my account was closed. I called up and the financial review case manager and she said that she closed my accounts because there was a box that was mistakenly unchecked on the Form 4506T and therefore they could not pull my tax records. Very harsh in my opinion. I then proceeded to call both the financial review and credit departments and asked for a supervisor. The supervisors in both departments tried to open my accounts and said I would receive a letter in the mail in 7-10 days. I received the letter in the mail and it stated that due to unpaid balances on my account they could not reinstate my account. for the record I have no unpaid balances and contrarily I have never made a late payment or done anything to cause an account closure. I called them up again stating that the reason they provided is inaccurate as I have no unpaid balance on my account. In the end of the day there was no one that was able to help me. I filed a complaint with the CFPB explaining the scenario. I was charged $1,800 in annual card membership fees this year plus I had a lot of Membership Reward points.. And Its effecting my credit score.. I guess I will wait and see what happens. However I do plan on taking them to court, as it is very feasible being that they closed an attorneys account ;) and I have a valid grievance of course. If anyone wants to see the complaint that I have penned to the CFPB, either to help submitting a complaint or just for reference can PM me.Sounds intrestesting, keep us updated and at least let us know when u sighn a non disclosure!
Post by: yaakovely on July 07, 2019, 08:03:36 AM
Post by: ah giten on July 07, 2019, 08:41:31 PM
Here is my 2 cents from a recent financial review and account closure. A Financial review was opened in my opinion from maxing out my available credit limit (which is pretty high) on my 0% apr Business Blue Cash Preferred Credit Card. The form 4506T that they requested was filled out for 2018 which I have filed an extension. I sent in the form for 2017 and then my account was closed. I called up and the financial review case manager and she said that she closed my accounts because there was a box that was mistakenly unchecked on the Form 4506T and therefore they could not pull my tax records. Very harsh in my opinion. I then proceeded to call both the financial review and credit departments and asked for a supervisor. The supervisors in both departments tried to open my accounts and said I would receive a letter in the mail in 7-10 days. I received the letter in the mail and it stated that due to unpaid balances on my account they could not reinstate my account. for the record I have no unpaid balances and contrarily I have never made a late payment or done anything to cause an account closure. I called them up again stating that the reason they provided is inaccurate as I have no unpaid balance on my account. In the end of the day there was no one that was able to help me. I filed a complaint with the CFPB explaining the scenario. I was charged $1,800 in annual card membership fees this year plus I had a lot of Membership Reward points.. And Its effecting my credit score.. I guess I will wait and see what happens. However I do plan on taking them to court, as it is very feasible being that they closed an attorneys account ;) and I have a valid grievance of course. If anyone wants to see the complaint that I have penned to the CFPB, either to help submitting a complaint or just for reference can PM me.Btw you don't need to wait for CFPB to get your points call MR anytime theyr'e open, and you can transfer to any program but needs to be in your name, no AU's. oh and you won't get any bonus if threre's a promo going on.
Post by: yaakovely on July 07, 2019, 11:10:14 PM
Btw you don't need to wait for CFPB to get your points call MR anytime theyr'e open, and you can transfer to any program but needs to be in your name, no AU's. oh and you won't get any bonus if threre's a promo going on.Thanks. But I won't get the same value as you stated..
Post by: LoLo on July 07, 2019, 11:40:38 PM
Post by: ah giten on July 08, 2019, 12:05:33 AM
Actually, a friend of mine who was shut down got the QF bonus.from QF or AMEX?
Post by: LoLo on July 08, 2019, 12:12:59 AM
Post by: ah giten on July 08, 2019, 12:16:40 AM
Both.nice! hoe long after closure did he do the transfer?
Post by: yosefsv on July 08, 2019, 01:08:38 PM
Actually, a friend of mine who was shut down got the QF bonus.
Both.+1
Post by: tdb on July 17, 2019, 11:03:49 AM
Amex closed a friend of mine's account with 300k+ MR points. Rep says due to "inactivity". No notice was given (rep claims they warned of closure due to inactivity during a phone conversation a few months ago when AH called to downgrade from a Biz gold to green, which according to AH is not true).
Points are gone and Amex says there's nothing to be done. Any advice other than small claims court?
Same thing happened to me i spent a couple of hours on the phone and eventually found a rep who agreed to reinstate the points but since account was closed i had to redeem the points immediately. I applied for a new everyday card on the spot and the rep was able to transfer the points to that account. I did not even receive the new card yet. It was more that 90 days since account was closed.
Post by: CountValentine on July 17, 2019, 11:17:45 AM
Same thing happened to me i spent a couple of hours on the phone and eventually found a rep who agreed to reinstate the points but since account was closed i had to redeem the points immediately. I applied for a new everyday card on the spot and the rep was able to transfer the points to that account. I did not even receive the new card yet. It was more that 90 days since account was closed.Nice!
Post by: ah giten on July 17, 2019, 08:46:53 PM
Same thing happened to me i spent a couple of hours on the phone and eventually found a rep who agreed to reinstate the points but since account was closed i had to redeem the points immediately. I applied for a new everyday card on the spot and the rep was able to transfer the points to that account. I did not even receive the new card yet. It was more that 90 days since account was closed.One second, you were approved for a card right after getting shut? that would be great news for some of us here.
Post by: ilherman on July 17, 2019, 09:40:51 PM
Post by: ah giten on July 17, 2019, 11:29:01 PM
Getting shut due to inactivity is different than getting shut for........ for nothing!
Post by: tdb on July 18, 2019, 10:16:47 AM
One second, you were approved for a card right after getting shut? that would be great news for some of us here.
yes was shut down for inactivity but have excellent credit so I just applied for a new card while on the phone with them and it was approved instantly.
Post by: yaakovely on July 21, 2019, 01:42:41 PM
Post by: ilherman on July 21, 2019, 06:10:41 PM
... for nothing!This may, or may not be true. However the way Amex looks at it is differently.
Post by: yaakovely on July 22, 2019, 12:16:52 AM
Here is my 2 cents from a recent financial review and account closure. A Financial review was opened in my opinion from maxing out my available credit limit (which is pretty high) on my 0% apr Business Blue Cash Preferred Credit Card. The form 4506T that they requested was filled out for 2018 which I have filed an extension. I sent in the form for 2017 and then my account was closed. I called up and the financial review case manager and she said that she closed my accounts because there was a box that was mistakenly unchecked on the Form 4506T and therefore they could not pull my tax records. Very harsh in my opinion. I then proceeded to call both the financial review and credit departments and asked for a supervisor. The supervisors in both departments tried to open my accounts and said I would receive a letter in the mail in 7-10 days. I received the letter in the mail and it stated that due to unpaid balances on my account they could not reinstate my account. for the record I have no unpaid balances and contrarily I have never made a late payment or done anything to cause an account closure. I called them up again stating that the reason they provided is inaccurate as I have no unpaid balance on my account. In the end of the day there was no one that was able to help me. I filed a complaint with the CFPB explaining the scenario. I was charged $1,800 in annual card membership fees this year plus I had a lot of Membership Reward points.. And Its effecting my credit score.. I guess I will wait and see what happens. However I do plan on taking them to court, as it is very feasible being that they closed an attorneys account ;) and I have a valid grievance of course. If anyone wants to see the complaint that I have penned to the CFPB, either to help submitting a complaint or just for reference can PM me.So I received a response from Amex through the CFPB. It did not help much since they were basically justifying themselves for what they did. However they did give me some more evidence, additionally they made false statements and contradicted themselves. This only makes things better for me in court. I will keep everyone posted on what the final outcome is!
Post by: grodnoking on July 22, 2019, 12:26:52 AM
So I received a response from Amex through the CFPB. It did not help much since they were basically justifying themselves for what they did. However they did give me some more evidence, additionally they made false statements and contradicted themselves. This only makes things better for me in court. I will keep everyone posted on what the final outcome is!
I'd continue the complaint thru the CFPB if possible and quote all the contradictions and the false statements. Much easier hassle then going to court, and can't hurt to do.
And if they've been tripping over themselves already they'll probably do more with the next reply and it'll give you even more ammunition.
Post by: yosefsv on August 27, 2019, 02:15:35 PM
He did refer 2 friends about a year ago, but he already got 40,000 Bonvoy points deposited in his MT account...
Post by: yaakovely on August 27, 2019, 04:19:47 PM
I'd continue the complaint thru the CFPB if possible and quote all the contradictions and the false statements. Much easier hassle then going to court, and can't hurt to do.A few weeks ago I sent in another complaint to the CFPB. This time American Express said that they need more time to review the complaint..
And if they've been tripping over themselves already they'll probably do more with the next reply and it'll give you even more ammunition.
Post by: chinagel on September 03, 2019, 07:36:59 PM
"We want to let you know that after a recent review of your American Express® account(s), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose."
Wasn't MS'ing, just a lot of churning.
Post by: CountValentine on September 03, 2019, 07:47:18 PM
Wasn't MS'ing, just a lot of churning.Personal or business cards?
Post by: chinagel on September 03, 2019, 07:50:09 PM
Personal or business cards?Mostly personal
Post by: CountValentine on September 03, 2019, 09:03:02 PM
Mostly personalSeems like they just keep tightening the noose.
Post by: lakewood34 on September 03, 2019, 11:20:21 PM
Any chance of getting cards at a later date after this email?
"We want to let you know that after a recent review of your American Express® account(s), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose."
Wasn't MS'ing, just a lot of churning.
excuse my ignorance but was is churning
Post by: Hudi on September 04, 2019, 06:02:38 PM
"We are contacting you to be sure you do not have any surprises when you try to use your card. We wanted to let you know we have had to make the decision to close your account listed above."
All my cards were shut down. 3 personal and 3 business cards.
Called them and submitted a request for Reinstatement. My biggest woe right now is not being able to access my 300,000+ MR points which I was hoping to transfer to BA at a 40% bonus. :(
Chance of reinstatement?
Post by: tzifanya54 on September 04, 2019, 06:16:46 PM
Just got this from Amex:What did you do wrong?
"We are contacting you to be sure you do not have any surprises when you try to use your card. We wanted to let you know we have had to make the decision to close your account listed above."
All my cards were shut down. 3 personal and 3 business cards.
Called them and submitted a request for Reinstatement. My biggest woe right now is not being able to access my 300,000+ MR points which I was hoping to transfer to BA at a 40% bonus. :(
Chance of reinstatement?
Post by: Hudi on September 05, 2019, 01:08:38 AM
Post by: CountValentine on September 05, 2019, 07:16:36 AM
Only thing I can think of is that I carried a large balance on one of the business cards.If a large balance on business cards was it then most of us would be shut down.
Post by: TimT on September 05, 2019, 07:18:55 AM
Only thing I can think of is that I carried a large balance on one of the business cards.Think harder. There’s gotta be something else
Post by: KSMH on September 05, 2019, 09:44:30 AM
Just got this from Amex:You should be able to transfer out by calling.
"We are contacting you to be sure you do not have any surprises when you try to use your card. We wanted to let you know we have had to make the decision to close your account listed above."
All my cards were shut down. 3 personal and 3 business cards.
Called them and submitted a request for Reinstatement. My biggest woe right now is not being able to access my 300,000+ MR points which I was hoping to transfer to BA at a 40% bonus. :(
Chance of reinstatement?
Post by: yosefsv on September 05, 2019, 12:05:09 PM
You should be able to transfer out by calling.Unless if they forfeited the points too.
Post by: mmgfarb on September 05, 2019, 01:56:14 PM
You should be able to transfer out by calling.
Call MR department, if frontline rep can't access your MR account, ask for a supervisor.
Post by: Zkpncs48 on September 05, 2019, 03:13:32 PM
Anyone else got such a letter? Should I be nervous abt fr?
Post by: CountValentine on September 05, 2019, 03:17:33 PM
I got a letter from amex that they are closing the pay over time feature on my biz plat account due to unusually high balances etc.Don't be nervous a FR, embrace it. Once you pass go nuts on the card.
Anyone else got such a letter? Should I be nervous abt fr?
Post by: ludmila on September 05, 2019, 08:10:13 PM
I got a letter from amex that they are closing the pay over time feature on my biz plat account due to unusually high balances etc.I did over a year ago, a few months later they returned the pay over time feature, they are NUTS.
Anyone else got such a letter? Should I be nervous abt fr?
Post by: Czar on September 06, 2019, 07:50:59 AM
Post by: chinagel on September 08, 2019, 08:53:31 AM
Any chance of getting cards at a later date after this email?and 3 days later I get 70k DL in my account! (hit threshold the day of closure)
"We want to let you know that after a recent review of your American Express® account(s), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose."
Wasn't MS'ing, just a lot of churning.
Post by: compddd on September 18, 2019, 07:16:28 PM
Post by: mmgfarb on September 18, 2019, 07:18:06 PM
This just happened to my wife. She doesn't do MS and only used her cards for UberEats and going to Shake Shack. Makes no sense. Think she has a shot at getting re-instated?Closed without going through FR first?
Post by: yosefsv on September 18, 2019, 07:19:21 PM
This just happened to my wife. She doesn't do MS and only used her cards for UberEats and going to Shake Shack. Makes no sense.
Think harder. There’s gotta be something else
Post by: ludmila on September 18, 2019, 07:23:01 PM
Still in that situation with my old business old card. Oh, and they had the nerve to give my personal platinum card a 4K limit. Oh and for my BBP, I'm not really able to go above the 3K credit limit (despite the card being sold as having the ability to go way beyond limit, like double the CL).I got similar, they limited it to the CL, got a letter last week.
Post by: compddd on September 18, 2019, 07:42:59 PM
Closed without going through FR first?
Closed without FR. She got her 25k ED bonus removed on 9/12 even though it was done with all organic spend. She asked them to reconsider that decision and I guess they responded with shutting down all her accounts?
She used to MS years ago but stopped in 2016 and it's been organic spend since then. Do you think they looked that far back and decided to just close everything?
Post by: ludmila on September 18, 2019, 07:51:17 PM
Closed without FR. She got her 25k ED bonus removed on 9/12 even though it was done with all organic spend. She asked them to reconsider that decision and I guess they responded with shutting down all her accounts?I doubt they will go back years ago for MS. But with Amex these days, could be. I really do not understand them anymore, if they give a credit limit, and all bills are paid on time,never late , plus long history etc ?
She used to MS years ago but stopped in 2016 and it's been organic spend since then. Do you think they looked that far back and decided to just close everything?
Post by: compddd on September 18, 2019, 07:53:30 PM
Post by: ludmila on September 18, 2019, 08:00:21 PM
Customer since 2011 and never missed payment, always paid on time. We are very confused why they closed all her accounts. Will try and call tonight.Good luck, it is really irritating, I started thinking they can close anyone , anytime unexpectedly.
Post by: compddd on September 18, 2019, 09:22:39 PM
Post by: PBaruch on September 19, 2019, 02:30:48 PM
Post by: compddd on September 20, 2019, 02:31:39 AM
Post by: db23 on September 20, 2019, 10:49:43 AM
Good luck, it is really irritating, I started thinking they can close anyone , anytime unexpectedly.its really beginning to seem that way..
Post by: compddd on September 21, 2019, 01:19:29 AM
Post by: compddd on September 24, 2019, 07:05:31 PM
Post by: PBaruch on September 24, 2019, 07:46:05 PM
Any chance of getting pro-rated AF refunds when Amex closes all your accounts?
Based upon prior reports I would say no.
Post by: yaakovely on September 25, 2019, 02:36:35 AM
Any chance of getting pro-rated AF refunds when Amex closes all your accounts?No
Post by: swiftwireless on September 25, 2019, 07:51:39 AM
NoI complained to the CFPB and got prorated refunds on all my cards.
Post by: yaakovely on September 25, 2019, 01:21:25 PM
I complained to the CFPB and got prorated refunds on all my cards.Really that is so weird because I complained to the CFPB and I did not get any prorated refunds on almost $1,800 of annual fees, Amex justified themselves according to their terms and conditions..
Post by: ah giten on September 25, 2019, 03:05:01 PM
Any chance of getting pro-rated AF refunds when Amex closes all your accounts?I got after cfpb complaint.
Post by: yaakovely on September 25, 2019, 08:00:42 PM
I got after cfpb complaint.I guess it's a YMMV situation.
Post by: R.C. on September 25, 2019, 09:02:34 PM
I never really got a detailed reason why my account was closed other then the standard email "identified as not being used for the intended purpose".
Post by: ludmila on September 25, 2019, 09:14:31 PM
Any chance in getting amex to reinstate my account if i complain to cfpb?I doubt it. They are allowed to chose who they want to do business with. It is frustrating, and can happen to anyone, and they never give a clear reason or explanation.
I never really got a detailed reason why my account was closed other then the standard email "identified as not being used for the intended purpose".
Post by: R.C. on September 25, 2019, 09:21:52 PM
Post by: ludmila on September 25, 2019, 10:38:35 PM
Thanks. I only ask bc I see they have an option when filing a complaint for credit cards that were closed by a company. I would assume they would only have that option if it actually helped to get it re-opened.I did not know. Give it a try, nothing to lose. Good luck.
Post by: grodnoking on September 25, 2019, 10:40:28 PM
Thanks. I only ask bc I see they have an option when filing a complaint for credit cards that were closed by a company. I would assume they would only have that option if it actually helped to get it re-opened.Well they have gotten my chase cards opened, but that means nothing for Amex cards.
Post by: chinagel on December 02, 2019, 02:41:03 PM
Post by: Joel2 on December 02, 2019, 02:42:11 PM
Got charged a 550 fee on the plat and shutdown 2 days later. They're refusing to refund the AF. Anything to do besides CFPB?if i may ask what is the reason for the shutdown?
Post by: chinagel on December 02, 2019, 02:43:11 PM
if i may ask what is the reason for the shutdown?What's the difference?
Post by: yosefsv on December 02, 2019, 02:44:43 PM
Got charged a 550 fee on the plat and shutdown 2 days later. They're refusing to refund the AF. Anything to do besides CFPB?if it was closed within the 30 days that it was charged you should get it from Amex automatically, if not just HUCA or speak to a supervisor.
Post by: Joel2 on December 02, 2019, 02:45:10 PM
What's the difference?Just a data point I like to know.
If it's to painful to discuss disregard my previous message.
Post by: chinagel on December 02, 2019, 02:46:22 PM
if it was closed within the 30 days that it was charged you should get it from Amex automatically, if not just HUCA or speak to a supervisor.BTDT, they say since it was shutdown I don't get refunded.
Just a data point I like to know.Churning
If it's to painful to discuss disregard my previous message.
Post by: yosefsv on December 02, 2019, 02:48:14 PM
BTDT, they say since it was shutdown I don't get refunded.How long ago were your accounts closed? how many times did you HUCA?
Post by: chinagel on December 02, 2019, 02:49:17 PM
How long ago were your accounts closed? how many times did you HUCA?2 weeks. 3 and a manager.
Post by: yosefsv on December 02, 2019, 02:54:06 PM
2 weeks. 3 and a manager.AFAIK you should be able to get it refunded (especially if it was closed within the 30 days of the charge) I would speak to a supervisor again, they are able to apply a credit manually.
Post by: chinagel on December 02, 2019, 02:55:47 PM
AFAIK you should be able to get it refunded (especially if it was closed within the 30 days of the charge) I would speak to a supervisor again, they are able to apply a credit manually.Where do you know that from?
Post by: yosefsv on December 02, 2019, 03:02:48 PM
Where do you know that from?
I got the refund on a few cards after being shut down.
Same here.
My DW called on one card, the Rep said nothing doing, She asked for a supervisor who manually issued a refund, Today i noticed that the AF is credited twice..
On a second card the AF is prorated without asking anything.
My DW also asked if she could redeem the cash back that was still pending, the supervisor said that it is already forfeited, However we noticed today that the cash back is posted as a credit on the account...
Post by: chinagel on December 02, 2019, 03:09:25 PM
Post by: yosefsv on December 02, 2019, 03:11:43 PM
This rep claims I'll be seeing the refund on my next statement...why not speak to a supervisor?
Post by: chinagel on December 02, 2019, 03:17:53 PM
Post by: yosefsv on December 02, 2019, 03:23:19 PM
DP from an FR shutdown are presumably different.Correct. However IME on shutdowns for other reasons as well, if it was closed within the 30 days that it was charged it was either refunded automatically, or via HUCA and/or a supervisor.
Post by: zagguru on December 02, 2019, 07:13:07 PM
Churning
Did you have multiple of the same platinum card or self refer?
Post by: chinagel on December 02, 2019, 07:17:52 PM
Did you have multiple of the same platinum card or self refer?no, maybe self refer, but i dont believe that was it. First got a dl plat shut for closing after points posted before paying af. then, a few days later the rest got shut because they "were found to be linked to an account not used for it's intended purpose".
Post by: pointer on December 02, 2019, 11:31:48 PM
Got charged a 550 fee on the plat and shutdown 2 days later. They're refusing to refund the AF. Anything to do besides CFPB?My aspire got shut down (FR) approx. 2 months after opening, was refunded in full, do not know why.
Post by: chinagel on December 03, 2019, 12:19:05 AM
.My aspire got shut down (FR) approx. 2 months after opening, was refunded in full, do not know why.Right away or at next statement?
Post by: pointer on December 03, 2019, 12:32:29 AM
Right away or at next statement?Not sure, think few days later