AMEX Return Protection: Did They Make You Return The Item?

[HoKo]

I linked the relevant page from that thread. The offender posted in Aug 2020, so halfway down page 9, and the convo continues into page 10.

I see it now. Thanks

[sds1493]

It's probably a case of YMMV, but I've twice now successfully claimed items I purchased from Amazon.fr (Amazon France), which I ordered while physically located in America and had shipped to a U.S. address. It would be great to hear if anyone's ever (especially recently) successfully claimed an item that was either (1) ordered from a U.S.-based retailer (like Amazon.com) but shipped it to an address outside the U.S., or (2) purchased something at a store in another country (e.g., went into a store while vacationing in Europe or Asia and purchased an item and then tried to claim it on a U.S.-issued card). I can't recall seeing any reports of anyone having experienced either type of situation.

A couple years back I successfully RP'd a pircha from amazon.com shipped outside the US.

[yudawils]

Amex probably won't shutdown your cards, but I think the more likely thing is that Amex Assurance Corp will effectively take away your ability to use the benefit. It's been reported in here and on FT that people with an abnormal claim history will get asked more questions and have to submit more documentation, may be subject to a recorded interview with Allied Universal, and have a personal adjuster who'll sit and wait for your claims, only to go over them with a fine tooth comb and request that the items are sent to them.

I don't think I've seen reports of anyone facing insurance fraud charges from Amex Assurance Corp, but I'm sure they could do that too.

Have you ever seen amex take this approach, which effectively nullifies the benifit?

[sds1493]

Have you ever seen amex take this approach, which effectively nullifies the benifit?

How does it nullify the benefit? If a claim is legitimate, it will be approved. If it seems that there is abuse / insurance fraud then it won't.

[idkmybffjill]

Have you ever seen amex take this approach, which effectively nullifies the benifit?

Yes, they've done it to numerous posters before who abused RP benefits. They'll just make you send everything back if you want a refund. By asking this question, you are admitting that you are abusing this benefit on purpose just to get free stuff.

[acefspade]

Anybody else still waiting over 2 weeks after submitting the signed docs? 

[HoKo]

Anybody else still waiting over 2 weeks after submitting the signed docs?

Yes, it took them that long to respond to me recently

[idkmybffjill]

Yes, it took them that long to respond to me recently

I assume they approved the claim?

[HoKo]

I assume they approved the claim?

Yes, but they made me submit a significant amount of paperwork for a pretty low dollar claim

[idkmybffjill]

Yes, but they made me submit a significant amount of paperwork for a pretty low dollar claim

You mean the receipt and filling out the claims form?

[HoKo]

You mean the receipt and filling out the claims form?

Amongst other things, yes

[kickballrubber]

Anybody else still waiting over 2 weeks after submitting the signed docs?

Waiting about 2.5 weeks since I last submitted documents for a RP. Very slow lately, I’m wondering if they downsized the department and is incorporating AI—making sure they don’t hallucinate, which further requiring more scrutiny at least for the moment.

[Oceanblue]

Submitted a claim and this is the first time they've asked for photos of the item...all sides, top, bottom, packaging, serial number, plus tracking information.  It was an item ordered on amazon, and I've never had to submit so much.   Is this normal or maybe because the item was over $300 after tax?   

[iluv2travel]

Submitted a claim and this is the first time they've asked for photos of the item...all sides, top, bottom, packaging, serial number, plus tracking information.  It was an item ordered on amazon, and I've never had to submit so much.   Is this normal or maybe because the item was over $300 after tax?

Yes, it's normal especially for a $300+ item.

They've definitely gotten stricter and have been more scrutinizing, lately.

[Oceanblue]

Yes, it's normal especially for a $300+ item.

They've definitely gotten stricter and have been more scrutinizing, lately.

Thanks.  Definitely new to me

[HoKo]

Submitted a claim and this is the first time they've asked for photos of the item...all sides, top, bottom, packaging, serial number, plus tracking information.  It was an item ordered on amazon, and I've never had to submit so much.   Is this normal or maybe because the item was over $300 after tax?

Yes, it's normal especially for a $300+ item.

They've definitely gotten stricter and have been more scrutinizing, lately.

Seems like they're asking for this level of detail even for relatively low dollar claims as well

[Spoon]

Seems like they're asking for this level of detail even for relatively low dollar claims as well

+1 ime

[majet]

The extended claim processing time (more than two weeks from the date of document submission) is caused by a significant backlog as a result of the large volume of purchase protection claims being processed as a result of the California wildfires. Hopefully, it will ease during the next few months.

[idkmybffjill]

Submitted a claim and this is the first time they've asked for photos of the item...all sides, top, bottom, packaging, serial number, plus tracking information.  It was an item ordered on amazon, and I've never had to submit so much.   Is this normal or maybe because the item was over $300 after tax?

How long after you bought the item did you submit the claim? Also if you don’t mind sharing, what was the item?

[idkmybffjill]

Seems like they're asking for this level of detail even for relatively low dollar claims as well

Is this in the last 3-4 months?