Amex F/R Master Thread

[yochiek93]

That's also correct had that a few yrs ago, entire family with same last name got FR'd

Even with a different address?

[DMYD]

Even with a different address?

Yup

[Yehuda25]

Plenty of FR's with people that didn't have any high spending recently.

+1000

[yochiek93]

Yup

How does that work (basically just taking one last name and F/Ring everyone with that name) how can you control that?

[D93]

How does that work (basically just taking one last name and F/Ring everyone with that name) how can you control that?

You can't.

[rcarentals]

Just got F/R'd
I spend a lot and large amounts - but spent recently 30 similar transactions at an online electronics website - it seems that was the trigger.
I called about something and the call was automatically diverted to F/R department.
answered all the questions and was then told the 30 transactions triggered it.
1 phone call though sorted it. phew..

[yochiek93]

Just got F/R'd
I spend a lot and large amounts - but spent recently 30 similar transactions at an online electronics website - it seems that was the trigger.
I called about something and the call was automatically diverted to F/R department.
answered all the questions and was then told the 30 transactions triggered it.
1 phone call though sorted it. phew..

Good for you

[tzifanya54]

Just got F/R'd
I spend a lot and large amounts - but spent recently 30 similar transactions at an online electronics website - it seems that was the trigger.
I called about something and the call was automatically diverted to F/R department.
answered all the questions and was then told the 30 transactions triggered it.
1 phone call though sorted it. phew..

Sounds like a mini FR. Happy that everything worked out for you.

[D93]

Just got F/R'd
I spend a lot and large amounts - but spent recently 30 similar transactions at an online electronics website - it seems that was the trigger.
I called about something and the call was automatically diverted to F/R department.
answered all the questions and was then told the 30 transactions triggered it.
1 phone call though sorted it. phew..

That's was not an FR.

[Jm1248]

If you hadn't answered the questions the way they wanted it would have turned into a full blown fr ime. This was just the prequel

[Yehuda25]

If you hadn't answered the questions the way they wanted it would have turned into a full blown fr ime. This was just the prequel

what's the "way they wanted it"

[ChaimMoskowitz]

High spend right away is not a trigger by itself. Many of us knock out the 20k spend in two or three purchase and not a peep from Amex.

[David Smith]

High spend right away is not a trigger by itself. Many of us knock out the 20k spend in two or three purchase and not a peep from Amex.

Depends on your history with them, no?

[ChaimMoskowitz]

Depends on your history with them, no?

I would say it based on a few things but hard to pin down.

[David Smith]

I would say it based on a few things but hard to pin down.

You don't think large spending on new accounts is a major trigger?

[D93]

You don't think large spending on new accounts is a major trigger?

High spend right away is not a trigger by itself. Many of us knock out the 20k spend in two or three purchase and not a peep from Amex.

[ChaimMoskowitz]

You don't think large spending on new accounts is a major trigger?

When you start talking about triggers you look at the makeup of the group it is happening to ( I am sure some will take this as a negative comment). Compare DDF to CB. Lets say both groups are hitting the 20k spend right away on a new card. If members of one group is getting hit with FR's and the other group isn't then you need to look deeper. While the 20k spend might be a contributing factor I would not call it a trigger.

[Jm1248]

When you start talking about triggers you look at the makeup of the group it is happening to ( I am sure some will take this as a negative comment). Compare DDF to CB. Lets say both groups are hitting the 20k spend right away on a new card. If members of one group is getting hit with FR's and the other group isn't then you need to look deeper. While the 20k spend might be a contributing factor I would not call it a trigger.

It can be a trigger based on other factors such as age of accounts and previous spend habits etc. a coupla months ago I got a 10k/100k biz plat for myself and dw. I made a 10k purchase on each within 2 weeks. My account went off without a hitch and my wife was fr'ed on the spot.

[Yehuda25]

 
Dear
 
We are writing to you because we have previously attempted to speak with you regarding a security concern on your account.
 
For your security, new charges on the accounts listed above may be declined. If applicable, you should advise any Additional Card Member(s) on your account that their new charges may also be declined. If we do not hear from you within 15 days your account will be cancelled.
 
Please call us immediately at 1-888-800-5234, or international collect 336-393-1111. Our hours of operations are 8:00 am to 12:00 am (midnight) Eastern Standard Time seven days a week.
 
Your prompt response regarding this matter is appreciated.
 
Sincerely,
 
American Express Identity Protection Team


Is this a step before F/R

[rivkao]

Dear
 
We are writing to you because we have previously attempted to speak with you regarding a security concern on your account.
 
For your security, new charges on the accounts listed above may be declined. If applicable, you should advise any Additional Card Member(s) on your account that their new charges may also be declined. If we do not hear from you within 15 days your account will be cancelled.
 
Please call us immediately at 1-888-800-5234, or international collect 336-393-1111. Our hours of operations are 8:00 am to 12:00 am (midnight) Eastern Standard Time seven days a week.
 
Your prompt response regarding this matter is appreciated.
 
Sincerely,
 
American Express Identity Protection Team


Is this a step before F/R

No