Taking Advantage of Amex?

[puddles]

In the past year I have done 3 "chargebacks" to merchants that would not let me return my product, or had an issue with my purchase. I just encountered something I bought online and feel the merchant was dishonest in their return policy and is taking advantage of me. Can I call amex again? Is there a point where they will look at my account and tell me no? All returns were for less than $100

[AJK]

In the past year I have done 3 "chargebacks" to merchants that would not let me return my product, or had an issue with my purchase. I just encountered something I bought online and feel the merchant was dishonest in their return policy and is taking advantage of me. Can I call amex again? Is there a point where they will look at my account and tell me no? All returns were for less than $100

What have you done, chargebacks or warranty claims? As I'm sure you know, there's a diff...

[puddles]

What have you done, chargebacks or warranty claims? As I'm sure you know, there's a diff...

One warranty claim (mid process now) and three chargebacks (AKA return protection)

[bubbles]

One warranty claim (mid process now) and three chargebacks (AKA return protection)

I dont think chargebacks = return protection but thats besides the point

[AJK]

I dont think chargebacks = return protection but thats besides the point

I disagree.

4 charge backs and 0 warranty claims, or 4 warranty claims and 0 charge backs tell a different story than 2 and 2.

I'd imagine there would be a point at which one of the departments look at the account and say, "hey, what the heck is going on with this guy? He always seems to have a problem with the merchant or the product..."

[puddles]

I dont think chargebacks = return protection but thats besides the point

Oops! Whats the difference?

[puddles]

I disagree.

4 charge backs and 0 warranty claims, or 4 warranty claims and 0 charge backs tell a different story than 2 and 2.

I'd imagine there would be a point at which one of the departments look at the account and say, "hey, what the heck is going on with this guy? He always seems to have a problem with the merchant or the product..."

Thats what Im asking. Although if you ask me my claims are legit. I just happen to do 95% of my shopping online and that always raises issues.

[bubbles]

I disagree.

4 charge backs and 0 warranty claims, or 4 warranty claims and 0 charge backs tell a different story than 2 and 2.

I'd imagine there would be a point at which one of the departments look at the account and say, "hey, what the heck is going on with this guy? He always seems to have a problem with the merchant or the product..."

Im not sure what you think i said

Oops! Whats the difference?

could be im wrong but i always thought a chargeback is when you dispute the charge 9scam, never received the item or whatever)

[AJK]

Thats what Im asking. Although if you ask me my claims are legit. I just happen to do 95% of my shopping online and that always raises issues.

I'm not saying AmEx will outright deny you for submitting claims, but practically speaking, I can't imagine they wouldn't scrutinize a bit more  as the # increases.

[AJK]

Oops! Whats the difference?

charge back ≠ return protection.

The former is when you dispute the actual charge (I think you officially only have 60 days to file, and if you win, you get your $ back, merchant gets penalized).

The latter is when you make a warranty claim with one of AmEx's insurance companies. (You only have 90 days on eligible items, and if you win, you get your $ back from AmEx insurance, and merchant is not penalized AFAIK).

[PlatinumGuy]

I'm not saying AmEx will outright deny you for submitting claims, but practically speaking, I can't imagine they wouldn't scrutinize a bit more  as the # increases.

If they do, it sounds like insurance fraud to me

[puddles]

If they do, it sounds like insurance fraud to me

I know there is a limit per year per card (or account). I just dont want a boy who cried wolf situation.

[AJK]

If they do, it sounds like insurance fraud to me

Scrutinizing "excessive" claims? I don't agree.

I know there is a limit per year per card (or account). I just dont want a boy who cried wolf situation.

Use your common sense. If you are submitting valid and legitimate claims, you shouldn't have a problem.

[PlatinumGuy]

@AJK he has nothing to lose if they scrutinize his claim - it's legit. I meant if they F/R etc. I believe we talked about that here once before.

@puddled - the max insurance per year is $10,000 IIRC

[AJK]

@AJK he has nothing to lose if they scrutinize his claim - it's legit. I meant if they F/R etc. I believe we talked about that here once before.

Who said anything about F/R? He wanted to know if they'd deny his claims simply for making a number of them.

Additionally, even if his current claim is legit, AmEx is known for their great warranty service. Oftentimes they'll approve the claim right away (no sending in the item, no investigation), even if it rides the line of approvability.

If he submits a lot of claims, when it comes to that one big time where it rides the line, his many previous claims will certainly not work in his favor.

[Yellow]

is this per person, or per card? (Meaning, technically if a person has 3 different cards and diversifies his spend and therefore has 2 legitimate chargebacks/warranty claims per card, do they look at the number as 6? or just 2 per card)

[puddles]

Who said anything about F/R? He wanted to know if they'd deny his claims simply for making a number of them.

Additionally, even if his current claim is legit, AmEx is known for their great warranty service. Oftentimes they'll approve the claim right away (no sending in the item, no investigation), even if it rides the line of approvability.

If he submits a lot of claims, when it comes to that one big time where it rides the line, his many previous claims will certainly not work in his favor.

exactly. Could not (and didnt) say it better myself.

[Mocha]

I dont see why using the return protection will affect you in any way shape or form. They offer up to $300 per occurrence and up to $1000 a year. This a feature that they advertise for you to use. If they didn't like people using it they wouldn't offer it. And to be frank I doubt most people that use Amex even know that it is offered, so a handful of people using it to the fullest extent is most probably meaningless to them. Disputes is a different story.

On another note I would really love to know what they do with all those items that they receive  under the return protection.

[AJK]

I dont see why using the return protection will affect you in any way shape or form. They offer up to $300 per occurrence and up to $1000 a year. This a feature that they advertise for you to use. If they didn't like people using it they wouldn't offer it.

You apparently don't know how the insurance business works.

[puddles]

You apparently don't know how the insurance business works.

Can you elaborate?