Topic Wiki

[Updated With More Changes] Major Changes Are Coming For American Express Benefits! Master Chart Of Whatís Being Added And Removed - https://www.dansdeals.com/credit-cards/major-changes-coming-american-express-benefits-master-chart-whats-added-removed/


$300 per item, 1K per card per year. So if you have an SPG card and a PRG card you'll only have 2k of total RP coverage, regardless of how many AUs you have on each card.

If you are unsure if an item qualifies for RP, then instead of asking for opinions here (slightly better than asking medical advice on facebook mind you), PUTPAC and ask the RP reps. You don't need to give your name or card info, just say you have an item or you will be buying an item and the store has a crappy return policy and want to make sure if there is a problem you can return it.


Direct number: 800-225-3750

Link to Claims Center: https://online.americanexpress.com/myca/onlineclaims/us/onlineclaims.do?request_type=authreg_onlineclaims&intlink=us-ser-onlineclaims-welcome-claimscenter
or
Return Protection:  www.americanexpress.com/return This is for when, in the first 3 months, the original seller won't accept a return, and the product is still in new condition.
Purchase Protection:  www.americanexpress.com/purchase This is for when, in the first 3 months, a purchase is lost, stolen, or broken.
Extended Warranty: www.americanexpress.com/warranty This covers only what the original warranty covers and extends it for up to 1 year.

Amex can approve RP claims even after the card is closed/cancelled, though YMMV.

CLICK HERE to see the full T&C for the Return Protection on your specific Amex card.

Author Topic: AMEX Return Protection: Did They Make You Return The Item?  (Read 1226839 times)

Offline jl75

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2018
  • Posts: 115
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: California
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4520 on: April 17, 2024, 05:23:52 AM »
I bought an accent chair and I donít seem to like it anymore. Itís past the return window. I have already had a claim last year for $300 for a different item. Is it ok to make a claim again? Is applying for another claim going to raise any flags? I spend a lot on my Amex and donít want to get shut down.

A lot of us here do more than one claim per year, and it seems that many do quite a few more than that per year. I've never seen any indication that doing one claim per year two years in a row invites any scrutiny from AmEx, let alone shutdowns. Just make sure that the item is in brand-new condition, as they oftentimes ask for photos of items (front, back, left, right, top, bottom, and packaging too) and there was just a post stating that they asked for proof that the customer had attempted to return the item. So it would probably be a good idea to make a phone call to the store or whatever online site that you bought it from, ask them if the item is returnable per their return policy, and then ask the employee's/agent's name and keep a record of it just in case. AmEx Assurance is still approving claims quickly if you can send them all the information that they request from you, but the key there is having everything in order: the item in new condition, proof that it was delivered (basically, the tracking number) if it's an item that was shipped to you, and, just to be safe, the ability to say that you did in fact inquire about returning the item (they rarely ask for this, but it's not a bad idea to place a phone call just to make sure you've got yourself covered in the event that they request this from you). Everything should go smoothly if you can submit whatever they request from you, and, no, you shouldn't have any problems whatsoever claiming one item per year.

Offline chff

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2012
  • Posts: 5952
  • Total likes: 698
  • DansDeals.com Hat Tips 25
    • View Profile
  • Location: NYC (not anymore)
  • Programs: All of them...
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4521 on: April 18, 2024, 06:22:59 PM »
A lot of us here do more than one claim per year, and it seems that many do quite a few more than that per year. I've never seen any indication that doing one claim per year two years in a row invites any scrutiny from AmEx, let alone shutdowns. Just make sure that the item is in brand-new condition, as they oftentimes ask for photos of items (front, back, left, right, top, bottom, and packaging too) and there was just a post stating that they asked for proof that the customer had attempted to return the item. So it would probably be a good idea to make a phone call to the store or whatever online site that you bought it from, ask them if the item is returnable per their return policy, and then ask the employee's/agent's name and keep a record of it just in case. AmEx Assurance is still approving claims quickly if you can send them all the information that they request from you, but the key there is having everything in order: the item in new condition, proof that it was delivered (basically, the tracking number) if it's an item that was shipped to you, and, just to be safe, the ability to say that you did in fact inquire about returning the item (they rarely ask for this, but it's not a bad idea to place a phone call just to make sure you've got yourself covered in the event that they request this from you). Everything should go smoothly if you can submit whatever they request from you, and, no, you shouldn't have any problems whatsoever claiming one item per year.

written by chatGPT?

Offline kickballrubber

  • DansDeals Copper Elite
  • *
  • Join Date: Aug 2023
  • Posts: 21
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Florida
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4522 on: April 18, 2024, 07:29:01 PM »
A lot of us here do more than one claim per year, and it seems that many do quite a few more than that per year. I've never seen any indication that doing one claim per year two years in a row invites any scrutiny from AmEx, let alone shutdowns. Just make sure that the item is in brand-new condition, as they oftentimes ask for photos of items (front, back, left, right, top, bottom, and packaging too) and there was just a post stating that they asked for proof that the customer had attempted to return the item. So it would probably be a good idea to make a phone call to the store or whatever online site that you bought it from, ask them if the item is returnable per their return policy, and then ask the employee's/agent's name and keep a record of it just in case. AmEx Assurance is still approving claims quickly if you can send them all the information that they request from you, but the key there is having everything in order: the item in new condition, proof that it was delivered (basically, the tracking number) if it's an item that was shipped to you, and, just to be safe, the ability to say that you did in fact inquire about returning the item (they rarely ask for this, but it's not a bad idea to place a phone call just to make sure you've got yourself covered in the event that they request this from you). Everything should go smoothly if you can submit whatever they request from you, and, no, you shouldn't have any problems whatsoever claiming one item per year.

/thread

Read the threads here before you ask questions that was asked countless times. Excellent information available here.

Offline jl75

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2018
  • Posts: 115
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: California
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4523 on: April 18, 2024, 09:06:28 PM »
written by chatGPT?

No. Not sure why you'd say that, but, no. I've never used anything AI-related and don't ever plan to, to be honest.

Offline Yo ssi

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2019
  • Posts: 6975
  • Total likes: 2745
  • DansDeals.com Hat Tips 60
  • Gender: Male
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4524 on: April 18, 2024, 09:21:30 PM »
No. Not sure why you'd say that, but, no. I've never used anything AI-related and don't ever plan to, to be honest.
Missing out
_    ,
' )  /
 /  / __   _   _   o
(__/_(_)  /_)_/_)_<_
 //
(/

Offline zaltz

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2021
  • Posts: 197
  • Total likes: 27
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: US
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4525 on: April 19, 2024, 10:10:32 AM »
Just send them their return policy, see if that will suffice.
Did this, and said that I called and was told to see their policy...
Claim was approved

Offline Realshlomo

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Jul 2017
  • Posts: 701
  • Total likes: 168
  • DansDeals.com Hat Tips 4
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4526 on: April 19, 2024, 10:11:29 AM »
Did this, and said that I called and was told to see their policy...
Claim was approved
Sometimes it's just KISS.

Happy it worked.

Offline Fish Tank

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2012
  • Posts: 888
  • Total likes: 163
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4527 on: April 19, 2024, 10:41:40 AM »
A lot of us here do more than one claim per year, and it seems that many do quite a few more than that per year. I've never seen any indication that doing one claim per year two years in a row invites any scrutiny from AmEx, let alone shutdowns. Just make sure that the item is in brand-new condition, as they oftentimes ask for photos of items (front, back, left, right, top, bottom, and packaging too) and there was just a post stating that they asked for proof that the customer had attempted to return the item. So it would probably be a good idea to make a phone call to the store or whatever online site that you bought it from, ask them if the item is returnable per their return policy, and then ask the employee's/agent's name and keep a record of it just in case. AmEx Assurance is still approving claims quickly if you can send them all the information that they request from you, but the key there is having everything in order: the item in new condition, proof that it was delivered (basically, the tracking number) if it's an item that was shipped to you, and, just to be safe, the ability to say that you did in fact inquire about returning the item (they rarely ask for this, but it's not a bad idea to place a phone call just to make sure you've got yourself covered in the event that they request this from you). Everything should go smoothly if you can submit whatever they request from you, and, no, you shouldn't have any problems whatsoever claiming one item per year.
My eyes are hurting.

Offline jl75

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2018
  • Posts: 115
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: California
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4528 on: April 20, 2024, 05:38:30 PM »
Just to share the data point since I know that people have asked about this in the past, and while others have shared their experiences, this is the first time that I've been in this situation. I had an item that I purchased on a card which I've since closed, so I wasn't sure if I was going to get denied (although others of course have said that it should still work). Anyhow, I submitted the documents last week, and I just received the letter (via e-mail) that my claim was approved. I checked my online account, and the reimbursement has already been posted on the cancelled card (cancelled it in February), so now I just need to chat with them and ask them to transfer the credit balance to an account that's still open. Anyhow, just wanted to share this!

Here's another data point for anyone interested: This is the first time I've submitted a claim for an item I purchased as an authorized user on an account which has since been closed. The account was already closed when I submitted the claim a couple weeks ago, and it was approved last week with no problem. I just received a check in the mail today for the refund. It's the first time I've ever been sent a check for a Return Protection claim. I'm assuming that it's because I was an authorized user, since I had a similar situation on my own closed account (not as an authorized user) a couple of weeks ago, and for that, they simply posted the refund to my closed account instead of sending me a check.

Offline kickballrubber

  • DansDeals Copper Elite
  • *
  • Join Date: Aug 2023
  • Posts: 21
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Florida
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4529 on: April 22, 2024, 09:11:31 PM »
Anyone tried to do RP on laundry washing machine or dryer? I don't think it falls under restriction item 22, which excludes land, buildings, and fixtures. Examples they listed were central air conditioner, built-in kitchen appliance and water heater.

Normally, I would go about doing this, but since it is such a bulky item for my living place I'm wondering if anyone else have tried.

Offline chff

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2012
  • Posts: 5952
  • Total likes: 698
  • DansDeals.com Hat Tips 25
    • View Profile
  • Location: NYC (not anymore)
  • Programs: All of them...
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4530 on: April 25, 2024, 10:12:39 AM »
Anyone tried to do RP on laundry washing machine or dryer? I don't think it falls under restriction item 22, which excludes land, buildings, and fixtures. Examples they listed were central air conditioner, built-in kitchen appliance and water heater.

Normally, I would go about doing this, but since it is such a bulky item for my living place I'm wondering if anyone else have tried.
@jl75 check RP t&c and write up a process how to make a claim, what notes to take down, and how to expect a payment

Offline jl75

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2018
  • Posts: 115
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: California
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4531 on: April 25, 2024, 01:36:28 PM »
@jl75 check RP t&c and write up a process how to make a claim, what notes to take down, and how to expect a payment

Actually, that sounds more like something you should do since you seem to have so much free time on your hands.   ;)

Offline flyingace

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2008
  • Posts: 1459
  • Total likes: 420
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4532 on: May 02, 2024, 09:56:30 AM »
Use return protection several times a year for final sale clothing. Last night I submitted a claim and it was approved early this AM with no requests for invoices or any other claim form. Never had that happen before!

Offline kickballrubber

  • DansDeals Copper Elite
  • *
  • Join Date: Aug 2023
  • Posts: 21
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Florida
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4533 on: May 02, 2024, 09:59:44 AM »
Use return protection several times a year for final sale clothing. Last night I submitted a claim and it was approved early this AM with no requests for invoices or any other claim form. Never had that happen before!

And for me, I had a pair of final sale shoes, which fit poorly. AMEX wants me to send photos and shipping info, besides the usual 😂

The pair of shoes was slightly above $100 btw
« Last Edit: May 02, 2024, 11:23:15 AM by kickballrubber »

Offline Fish Tank

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2012
  • Posts: 888
  • Total likes: 163
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4534 on: May 02, 2024, 11:21:11 AM »
Use return protection several times a year for final sale clothing. Last night I submitted a claim and it was approved early this AM with no requests for invoices or any other claim form. Never had that happen before!
What was the dollar amount?

Offline flyingace

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2008
  • Posts: 1459
  • Total likes: 420
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4535 on: May 02, 2024, 11:23:38 AM »
What was the dollar amount?

158 and change

Offline petun

  • DansDeals Copper Elite
  • *
  • Join Date: Dec 2023
  • Posts: 9
  • Total likes: 13
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4536 on: May 02, 2024, 03:19:26 PM »
In my experience, whether a claim gets approved right away or highly scrutinized has nothing to do with the dollar amount, store, type of item, or number of days lapsed since purchase (as long as it's within the 90-day period). It seems to be random.

Offline efflpetzel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2012
  • Posts: 2905
  • Total likes: 145
  • DansDeals.com Hat Tips 1
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4537 on: May 07, 2024, 10:24:46 AM »
My guess would be that it depends more on the person assigned to each claim. But that's just a guess.

Question for you and for any others who have been submitting claims past the 90-day mark (after date of purchase): What's the latest that you've ever submitted a claim, meaning, the longest period of time that you let lapse between the date of purchase and the date you filed the claim? I've never done it more than 90 days after the date of purchase, but there were a couple items that I purchased for Christmas that I didn't end up needing or wanting to keep, but realized it "too late", meaning, by the time I got around to filing a claim, it was already beyond the 90-day mark. I'd be happy to try to file a claim if there's a chance that they'll still get approved, but I may be way too late at this point. Thanks in advance for any data points!

I routinely submit claims months later & even over a year later with no problem, as long as the return attempt was made within 90 days

Offline FlyingBoat

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 120
  • Total likes: 24
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4538 on: May 08, 2024, 06:43:54 PM »
They are asking for proof now that I didn't return something to a physical store. How am I supposed to do that? I already sent them several pictures of the item. Credit card statement would show there is no return, but they are asking for proof from the vendor.
One of the few items I actually bought in a store rather than online.

Offline Yo ssi

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2019
  • Posts: 6975
  • Total likes: 2745
  • DansDeals.com Hat Tips 60
  • Gender: Male
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4539 on: May 08, 2024, 06:53:09 PM »
as long as the return attempt was made within 90 days
How do you prove that?
_    ,
' )  /
 /  / __   _   _   o
(__/_(_)  /_)_/_)_<_
 //
(/