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Dec 18, 2017
6
0
1
66
#1
I TOOK YOUR ADVICE AND STARTED A NEW THREAD THAT IS MORE READABLE WITH SMALLER
LETTERS.

BRIEF SUMMARY BUT EMPHASIZING
THE MOST SIGNIFICANT
METHODS ALREADY DEEMED TO BE
DECEPTIVE PRACTICES AIMED AT
CONSUMER BY THE THOUSANDS...


--I CANNOT SEE WELL, AM 71 YEARS
OLD, THUS THE USE OF MORE READABLE
CAPITAL LETTERS.

--ONE PROBLEM IS THAT OTHERS IN THESE
FORUMS DO NOT NECESSARILY READ MY
ANSWERS AND THUS REPEAT THE SAME
QUESTION I HAVE ALREADY ANSWERED.

==ALSO THERE SEEMS TO BE AN UNWILLINGNESS
TO LEARN BY OTHERS, HERE,
THAT WOULD INVOLVE ACTUALLY READING
SOME OF THE CFPB WEBSITE FOR EXAMPLE,
THAT LISTS THOUSANDS OF OTHERS WITH
THE SAME PROBLEMS DUE TO ARROGANCE
AND DECEPTIVE PRACTICES BY MAJOR
CORPORATIONS SUCH AS AMERICAN EXPRESS.


--THE DIFFICULTIES WITH AMERICAN EXPRESS
ARE AS FOLLOWS
ALL OF THESE ARE VERY SIGNIFICANT
AND PROHIBITED METHODS AGAINST
PUBLIC AND ALL CONSUMERS:

==YET AMERICAN EXPRESS CONTINUES TO DEFY
ALL THE RULES.

==THIS IS PROBABLY BECAUSE THEIR ANNUAL
PROFITS ARE 50 BILLION DOLLARS PLUS
AND SO EVERY TIME THE COURT DECISIONS
FINE THEM ANOTHER 100 MILLION DOLLARS,
THEY PAY IT BUT CONTINUE THEIR
DECEPTIVE PRACTICES.


--I GOT A MESSAGE FROM SOMEONE BY EMAIL
TODAY EXPLAINING THAT YOUR WEBSITE
TENDS
TO...NEVER BLAME THE CORPORATION FOR
ANYTHING AT ALL, AND KEEPS SUGGESTING
IF THE CUSTOMER BECOME MORE AND MORE
INGRATIATING TOWARD THEM, THAT THINGS
WILL IMPROVE.

==A 5 MINUTE READ OF THE THOUSANDS
OF COMPLAINTS WITH SEVERE TREATMENT
BY MAJOR CORPORATIONS
ESPECIALLY AGAINST THE POOR AND THE
ELDERLY PROVE OTHERWISE.

==BUT YOU WOULD HAVE TO MAKE THE EFFORT
OF THAT 5 MINUTE READ TO UNDERSTAND
THAT, DON'T TAKE MY WORD FOR IT.


--I FIRST CALLED UPON REALIZING LOSS,
TOLD BY PHILIPPINES OFFICE THERE
ARE
NO LONGER ANY CUSTOMER OFFICES
IN THE ENTIRE USA.

PHILIPPINES OFFICE ASSURED ME THE
LOSS WOULD BE REFUNDED IN A WEEK

OR LESS [MANY CURRENT ADS BY
BANKS AND TRAVEL AGENCIES STILL
SELL TRAVELERS CHECKS....

[BUT DO NOT
INFORM YOU WHEN THEY SELL THEM THAT
THEY =WILL NOT= OFFER THE REFUND
OR ANY OTHER COVERAGE DUE TO LOSS
OF THEM.]

WHAT MAKES IT MORE DECEPTIVE IS THAT
MANY OF THE TRAVEL AGENCY WEBSITES
THAT STILL DO OFFER SALES OF AMERICAN
EXPRESS TRAVELERS CHECKS STATE CLEARLY
IN THEIR WEBSITES
==THAT AMERICAN EXPRESS USUALLY
COMPLETES THE REFUND FOR LOST TRAVELERS
CHECKS IN 24 HOURS==

HOWEVER, AGAIN, THEY NEGLECT TO TELL
YOU THAT =THEY= [USUALLY TRAVEL
AGENCIES AND BANKS STILL SELLING
THEM]
WILL NOT COVER FOR LOSSES, THAT YOU
MUST TRY ==SOMEWHERE ELSE== IF YOU LOSE
THEM,
BUT THEN THEY DO NOT GIVE YOU ANY
OTHER LOCATION TO TRY FOR GETTING
THE REFUND.

===THUS ALL THE CURRENT USA NUMBERS
FOR AMERICAN EXPRESS CUSTOMER SERVICE,
ALL THOSE 800 NUMBERS GO TO
PHILIPPINES OFFICE ONLY, NO USA
OFFICES..ALL CLOSED DOWN WHEN NEW
MANAGEMENT TOOK OVER AMERICAN EXPRESS
IN 2010.

ARE THESE DECEPTIVE PRACTICES BY
AMERICAN EXPRESS CORPORATION WHICH
STILL HAS ITS NATIONAL [INTERNATIONAL]
HQ IN NEW YORK BUT NO CUSTOMER SERVICE
IN THE USA ?

AT ANY RATE I WAS TOLD THE FIRST DAY
I CALLED TO REPORT THE LOSS OF JUST
10 TRAVELERS CHECKS TOTAL OF 1000
AND GAVE THEM SERIAL NUMBERS AND
RECEIPTS..I WAS TOLD 24 HOURS TO
1 WEEK FOR REFUND.

THEY WERE QUITE POLITE AND HELPFUL
AT PHILIPPINES CALL CENTER WHICH IS
24 HOURS BUT IT DOES ONLY TAKE THE
MINIMUM INFO FROM THE CUSTOMER,
THEN IT GOES TO THE
OFFICE IN INDIA WHICH MAKES DECISIONS
ON ALL SUCH CLAIMS OF LOSSES.

THE INDIA OFFICE, THE IMPORTANT OFFICE
AND ONLY OFFICE FOR ALL THE THOUSANDS
OF SIMILAR CLAIMS FROM AMERICAN EXPRESS
CUSTOMERS THROUGHOUT THE USA,
IS NOT
IS NOT OPEN 24 HOURS, BUT ONLY 5 HOURS
PER DAY INDIA TIME, AND OFTEN THE
LINE IS BUSY FOR HOURS WHEN YOU DO
CALL.


I CALLED AT THEIR REQUEST, THE INDIA
OFFICE, AND THE WHOLE SITUATION
RAPIDLY GOT MORE AMBIGUOUS.

WHEN I ASKED THE INDIA CLAIMS OFFICE
IF THEY WOULD BE REFUNDING THE CLAIM
IN THE STANDARD 24 HOURS TO WEEK
INTERVAL PROMISED BY ALL THE CURRENT
WEBSITES STILL SELLING THE T-CHECKS,
THEY TOLD ME:

OR RATHER FIRST ASKED ME...
==WHO TOLD YOU THAT INFORMATION==

I REPEATED IT CAME FROM THEIR
PHILIPPINES OFFICES THAT TAKES THE
FIRST CALLS AND THEN ROUTES ALL
LOSS CLAIMS TO INDIA OFFICE, YOUR
OFFICE.

I GAVE THEM THE NAME OF THE PERSON
AT THE PHILIPPINES OFFICE WHO TOLD
ME THE ASSURANCE OF A PROMPT REFUND,

WHICH THEY ALSO ASSURED ME
CAN BE A DIRECT DEPOSIT TO MY USA
BANK ACCOUNT, WHICH I ALSO GAVE THEM
GIVEN THE FACT THAT

AS THEY TOLD ME AT PHILIPPINES OFFICE,
MOST CALLS FOR SUCH A LOSS OF T-CHECKS
ARE SIMILAR TO MINE,
THE VAST MAJORITY OF THE CALLS COME
FROM AMERICANS WHO ARE TRAVELLING
ABROAD AT THE TIME, WHICH IS WHEN
THEY CARRY AND USE THE TRAVEL CHECKS
THE MOST OF COURSE,
SO IT IS NOT PRACTICAL FOR THE CUSTOMER
TO WAIT WEEKS OR MONTHS BY POSTAL
MAIL TO SEND A REFUND WHEN THE CUSTOMER
IS FAR AWAY IN EUROPE OR OTHER NATION
ON TRAVEL PURPOSES.

==ALL OF THIS WAS REFUTED AND DENIED
BY THE INDIA OFFICE AND THE INDIA
OFFICE MAKES THE DECISIONS ON ALL
CLAIMS, NOT THE PHILIPPINES OFFICE.

==I WAS THEN TOLD BY THE INDIA OFFICE,
THAT

==THERE ARE NO TIME LIMITS ON WAITING
FOR A REFUND== NONE AT ALL.==

I WAS SHOCKED TO HEAR SUCH A CONTRA-
DICTORY STATEMENT,

OPPOSITE OF THEIR
ENTIRE AD CAMPAIGNS OF THE COMPANY,
BUT I ONLY ASKED AT THAT POINT, CAN
YOU GIVE ME AN APPROXIMATE ESTIMATE
ON THE ==AVERAGE TIME==
IT TAKES TO GET A SIMPLE AND CLEAR
LOSS SUCH AS MINE FOR THE REFUND TO
BE COMPLETED?

--NO...ABSOLUTELY NO TIME ESTIMATE CAN
BE MADE BY THEM AT THE INDIA OFFICE
AS TO HOW LONG BEFORE A REFUND.==
THEY TOLD ME AND DENIED THAT ANYONE
AT =PHILIPPINES OFFICE WOULD TELL
ME SO.

==WHEN I TRIED TO REMIND THE INDIA OFFICE
THAT THERE ARE STILL NUMEROUS ADS
OF TRAVEL AGENCIES AND BANKS IN THE USA
WHO
ARE HAPPY TO SELL THE TRAVELER CHECKS
AND THAT REFUNDS ARE OFTEN IN 24 HOUR!!

==BUT WHEN I READ THE EXPERIENCES OF OTHER
CUSTOMERS WITH THE IDENTICAL LOST CHECKS
PROBLEM...
IT TURNS OUT THAT ALL OF THESE PLACE THAT
STILL SELL THE TRAVELER CHECKS IN THE USA,
AND EVEN STATE THE VERY OPTIMISTIC 24 HOUR
REFUND AS PART OF THE GUARANTEE OF THE
PURCHASE OF THE TRAVEL-CHECKS
BUT
AND MOST IMPORTANTLY....THEY DO ==NOT==
ADD THE VERY IMPORTANT CAUTION...
THAT NONE OF THEM ACTUALLY DO ANY REFUNDS,
AND THEY DO
==NOT KNOW== OF ANY PLACES IN THE USA
WHO WILL ACTUALLY DO THE REFUNDS, EVEN
IN SPITE OF THEIR UNIVERSAL GUARANTEE.

==IN FACT, BUT THE PUBLIC IS NOT INFORMED,
THE ONLY PLACE IN THE ENTIRE WORLD
THAT NOW HAS THE AUTHORITY TO PROVIDE
REFUNDS FOR LOST CHECKS
IS THE SAME INDIA OFFICE WHICH APPARENTLY
HAS BEEN INSTRUCTED ==NOT== TO FOLLOW
THROUGH WITH ANY REFUNDS AT ALL, AT LEAST
NOT FOR MONTHS OR EVEN YEARS ==OFTEN AS
ONE HELPFUL WOMAN AT THE PHILIPPINES OFFICE
TOLD ME==
OFTEN THE CUSTOMER GIVES UP CONTACTING
THE AMERICAN EXPRESS AT ALL AFTER SO MANY
MONTHS OF NO RESPONSE.


==THE PROBLEMS WITH THEM GET MUCH MORE
SIGNIFICANT:
THEY HAVE NEVER ACKNOWLEDGED RECEIVING
THE SCANNED AND EMAIL ATTACHMENT DOCUMENTS
{EXCEPT FOR THE FIRST 2 SENT]
EVEN THOUGH IT HAS NOW BEEN MONTHS,
AND ONE OF THE DOCUMENTS I SENT THEM,
AGAIN BY EMAIL ATTACHMENT WITH THE SAME
RELIABILITY, THE SCANNED RECEIPTS AND
SERIAL NUMBERS,
THEY NOW REFUSE TO ANSWER AT ALL...
IN OTHER WORDS THEY WILL NOT TELL ME WHETHER
OR NOT THEY EVEN RECEIVED THEM.

==AND AS ONE OF THE THOUSANDS OF OTHER CUSTOMERS
TREATED IN A SIMILAR WAY ON THE MAJOR COMPLAINTS
AGENCY WEBSITES ESPECIALLY, THE CFPB,
WITHOUT ACKNOWLEDGING, NOT EVEN WITH A SIMPLE
EMAIL FROM THEM, SAYING YES THEY HAVE RECEIVED
THEM,
==IN FACT== AND THIS IS VERY IMPORTANT, THEY
DO NOT ANSWER THE QUESTION AT ALL.

==AS OTHER CUSTOMERS AND COMMENTARY ON THE SITUATION
HAS POINTED OUT,
THAT IT IS INDIRECT PROOF THEY OF COURSE RECEIVE
ALL COMMUNICATIONS ACCURATELY AND PROMPTLY
BUT BY
NOT ANSWERING THE QUESTION AT ALL, THEY CAN CONTINUE
TO LEAVE THE COMPLAINT
OPEN AND UN-COMPLETED BY THEIR INDIA OFFICE, USING
THIS AS A TOTALLY FALSE METHOD TO DELAY THE CLAIM
INDEFINITELY.



==EMAIL COMMUNICATION BY THEM WAS
ENCOURAGED THROUGHOUT SO I CONTINUED
TO SEND SUCH COPIES BY EMAIL ATTACH-
MENT AND ANY OTHER QUESTIONS THAT
I MIGHT HAVE AND THEY SENT ME SEVERAL
STANDARD INFORMATIONAL MESSAGES,
NOT FROM INDIVIDUALS FROM THEIR OFFICE
HOWEVER, BUT GENERAL STATEMENTS OF
THE COMPANY ITSELF, AMERICAN EXPRESS,
WITHOUT REALLY GIVING ANY SPECIFIC
HELPFUL INFORMATION ON MY SITUATION.

==HOWEVER AS IT BECAME A MONTH AND THEN
INTO THE 2ND MONTH, AND THEIR EMAIL
TO ME RAPIDLY REDUCED TO ONE AUTOMATED
RESPONSE FROM THEM PER WEEK, NO
CONTENT BUT DUPLICATES OF PREVIOUS
GENERAL INFO AUTOMATED RESPONSES.

==I FINALLY CALLED THEM AGAIN, AND THEY
WERE BECOMING PROGRESSIVELY MORE
EVASIVE.

==THEY TOLD ME THEY WERE NOT REQUIRED
TO USE EMAIL AT ALL WITH ME.
I REMINDED THEM THAT FOR ANYONE OF
THE THOUSANDS OF THEIR CUSTOMERS WHO
ARE AWAY FROM THE USA AT THE TIME OF
LOSS OF T-CHECKS, THAT EMAIL IS THE
ONLY PRACTICAL WAY TO DO THIS IN A
TIMELY MANNER.

==THEY MADE NO MORE COMMENT.

==A WEEK LATER THEY SENT A MYSTERIOUS
EMAIL TO ME STATING THEY HAD DECIDED
NOT TO COMMUNICATE BY EMAIL ANY FURTHER.

==YET THEY CONTINUE TO RECEIVE MY EMAIL
AND STILL SEND BOILERPLATE (AUTOMATICALLY
GENERATED RESPONSES ONCE A WEEK BUT
HAVE NO REAL CONTENT, NO NEW INFO.
GIVEN IN THEM]

==I TRIED AN EMAIL AND THEN
DECIDED TO REMIND THEM AS THEIR
RESPONSES WERE RAPIDLY BECOMING
MORE AND MORE UNPREDICTABLE,
I DECIDED TO SEND THEM A REMINDER
AT LEAST BY EMAIL TWICE A WEEK,
HOPING EACH WEEK, THAT THEY WOULD
COMPLETE THE PAPERWORK FOR THIS
VERY SIMPLE AND CLEAR LOSS OF ONE
BATCH OF TRAVELERS CHECKS.

==I ALSO NOTICED THAT THEY HAD NOT
YET ACKNOWLEDGED THE RECEIPT OF
WHAT THEY ASKED FOR IN THE FIRST
WEEK.
THAT I HAD NO EMAIL PROOF, AND THE
PHONE CALLS ARE RECORDED BY THEM BUT
THEY EXPLICITLY TELL YOU, THAT YOU
AS CUSTOMER ARE NOT ALLOWED TO
RECORD PHONE CALLS OF THEM,
THAT THEREFORE I HAD NO PROOF AT ALL
YET THEY RECEIVED THE ATTACHMENTS
FOR THE FEW BASIC DOCUMENTS THEY
NEEDED AND ASSURED ME, THAT WAS ALL
THEY NEEDED IN THE FIRST PLACE!

====VERY IMPORTANT AND MUCH DISCUSSED
DECEPTIVE TECHNIQUES
ON ALL OFFICIAL WEBSITES WHICH
ARE RECEIVING THOUSANDS OF COMPLAINTS
PER DAY:

==THIS VERY IMPORTANT DECEPTIVE METHOD
IS TO...
CONSTANTLY ASK FOR ADDITIONAL UNRELATED
INFORMATION AND DOCUMENTS,
BUT
NEVER ACKNOWLEDGE WHAT THEY HAVE RECEIVED
FROM YOU ALREADY!

THIS IS WHAT MAKES IT SO EASY TO PROMOTE THE
OPPOSITE OF THE TRUTH, THAT THEY HAVE "NO RECORDS"
OF BASIC INFORMATION SENT TO THEM,
EVEN THOUGH THEY IN FACT HAVE ALL OF THEM FROM
YOU...
BUT BECAUSE THEY KEEP CLAIMING THEY HAVE NONE,
THEN THEY CONTINUE TO DELAY THE REFUND INDEFINITELY.


===THERE IS YET ANOTHER DECEPTIVE METHOD
AMERICAN EXPRESS HAS BEEN FINED FOR REPEATEDLY
BUT CONTINUES TO VIOLATE
CONSUMER PROTECTION LAWS:

==THAT IS THE FOLLOWING==

THEY REFUSE TO CANCEL THE APPROPRIATE SERIAL NUMBERS
AT ALL!

IN OTHER WORDS, THEY IMMEDIATELY WANT YOU TO FURNISH
THEM WITH THE SERIAL NUMBERS OF THE LOST TRAVELER
CHECKS...

BUT THEN THEY NEVER FOLLOW THROUGH TO PROMISE TO
CANCEL THOSE SERIAL NUMBERS
SO OF COURSE, AS ANY IDIOT KNOWS, THAT THE SERIAL
NUMBERS ARE NOW NOTED ON THEIR WORLD DATABASE
SO THAT ANY STORE OR OTHER BUSINESS WILL NO LONGER
ACCEPT THOSE SERIAL NUMBERS!!

AMERICAN EXPRESS IS SUBJECT TO THE SAME LAWS OF
BANKING STANDARDS:

NOTE THAT ALL BANKS, USA AND THE WORLD DO EXACTLY
AS YOU WOULD EXPECT:
....AS SOON AS YOU DECLARE A NUMBER OF TRAVELER
CHECKS LOST, AND GIVE THE SERIAL NUMBERS...

THEN IT IS IDENTICAL TO LOSING A CHECKING ACCOUNT
CHECK OR SEVERAL OF THEM FROM YOUR LOCAL BANK,

THE BANK FOR OBVIOUS REASONS WANTS TO NULLIFY THE
CHECK NUMBERS AND THEN PUT THIS INTO THEIR ONLINE
DATABASE WHICH IMMEDIATELY LETS ANY MERCHANT OR
OTHER BUSINESS OFFERED THE CHECK AS PAYMENT,
THAT THEIR COMPUTER SYSTEM IMMEDIATELY REJECTS
THE CHECK SINCE IT IS NULLIFIED THE SAME TIME
ANY CUSTOMER OF ANY BANK REPORTS A CHECK LOST,
THEY EVEN USUALLY CANCEL A WHOLE SERIES OF 20
CHECKS OR MORE FROM A CHECK BOOK AND ISSUE YOU
A NEW SET OF 20.

THIS IS THE UNIVERSAL BANKING STANDARD TO PROTECT
BOTH THE BANK AND THE CUSTOMER FROM ANY POSSIBILITY
OF FRAUD OR MISUSE OF THE CHECKS LOST, BY SOME
UNKNOWN PERSONS LATER.


====BUT....NOT SO....AMERICAN EXPRESS...

WITH ITS NEW MANAGEMENT FROM 2010 ONWARD AMERICAN
EXPRESS DOES ...ESSENTIALLY...
NOTHING...AT ALL IN THE WAY OF
FOLLOWING THE BUSINESS RULES
FOR EVEN A MINIMUM STANDARD OF
ETHICS FOR CUSTOMERS.

IT HAS A BIZARRE METHOD INSTEAD....TO CONTINUE...

INDEFINITELY...TO LEAVE THE LOST TRAVELER CHECKS
ON THE SYSTEM AS IF THEY ARE NOT LOST...
AND
THEN THEY INCREASE THEIR ARROGANCE IN DEMANDING THAT
YOU THE CUSTOMER
TAKE OVER THEIR ENTIRE ROLE...

THAT FOR AN UNLIMITED TIME INTO THE FUTURE...THOSE
LOST CHECKS WILL CONTINUE TO BE A NIGHTMARE FOR YOU,
THAT
AMERICAN EXPRESS DOES NOT MAKE ANY ATTEMPT TO PROTECT
YOU WHATEVER....BY CANCELLING THE LOST CHECK SERIAL
NUMBERS...

THIS UPSETS CUSTOMES TO SUCH AN EXTENT THEY USUALLY
ABANDON ALL HOPE OF GETTING A REFUND AND STOP CONTACTING
AMERICAN EXPRESS AT ALL.

AMERICAN EXPRESS THEN HAS BEEN DISCOVERED TO ACTUALLY
DO, IN FACT, IT DOES CANCEL THE CHECK NUMBERS BUT REFUSES
TO REVEAL THIS TO THE CUSTOMERS.

THAT WAY AMERICAN EXPRESS NEVER HAS TO MAKE THE REFUND
TO THE CUSTOMER AS THE CUSTOMER GIVES UP ON THE EFFORT
WITH THE POLICY OF DENYING CUSTOMER PROTECTION ENTIRELY.

NO CUSTOMER PROTECTION LAWS OR RULES ARE NOW EVER
OBSERVED BY AMERICAN EXPRESS.

IN THIS WAY, AMERICAN EXPRESS SECRETLY PROTECTS ITSELF
BY ACTUALLY CANCELLING THE SERIAL NUMBERS, BUT TELLS
THE CUSTOMER THE OPPOSITE OF THE TRUTH...
THE CUSTOMER MUST ...AND FOR ==AN INDEFINITE TIME PERIOD
OF PERHAPS YEARS== INTO THE FUTURE,
THAT THE CUSTOMER MUST PAY REIMBURSEMENT TO AMERICAN
EXPRESS IF AMERICAN EXPRESS NOTIFIES THEM THAT THE CHECKS
HAVE BEEN CASHED BY SOME UNKNOWN PERSON,
IN SO DOING,
AMERICAN EXPRESS NEVER REFUNDS FOR ANYTHING ANYMORE,
AND BY CONSTANTLY FALSIFYING TO THE CUSTOMER ON ALL
QUESTIONS, CAN END FOR AT LEAST SOME OF THE MORE
NAIVE CUSTOMERS,
ESPECIALLY THE POOR AND ELDERLY,
THAT SOME OF THEM WILL ACTUALLY BELIEVE THE LIES FROM
AMEREX CORPORATION AND THUS PAY AN ADDITIONAL AMOUNT
FOR THE LOST TRAVELERS CHECKS WHICH AMEREX THEN CLAIMS
WERE CASHED BY SOME UNKNOWN INDIVIDUAL THAT THEY CANNOT
TRACE,
THAT WAY AMERICAN EXPRESS STANDS TO EARN DOUBLE THE
AMOUNT ON A GIVEN SET OF TRAVELERS CHECKS
OR AT THE VERY MINIMUM,
NEVER PAY BACK THE MONEY ON THE CHECKS FOR THE ORIGINAL
DECLARED LOSS BY THE CUSTOMER.

THOUSANDS OF CUSTOMERS WITH LOST TRAVELERS CHECKS HAVE
LOST THE MONEY ON THE CHECKS EVEN AFTER FOLLOWING ALL
OF THE REQUESTS AND DEMANDS FROM AMERICAN EXPRESS,
FOR INFORMATION OF ALL KINDS, AND QUITE IRRELEVENT IN
FACT, EXCEPT AS A DELAY TECHNIQUE
TO POSTPOSE
THE REFUND INDEFINITELY
SO THAT CUSTOMERS NEVER GET THE REFUND THEY
ARE ENTITLED TO.


==THEN I STARTED READING THE MAJOR
WEBSITES ABOUT THE NEW MANAGEMENT
THAT TOOK OVER AMERICAN EXPRESS
IN 2010 AND HOW THEY QUICKLY SHUT
DOWN ALL OFFICES IN THE USA AND
EUROPE THAT OFFER HELP WITH LOSS
OF TRAVEL CHECKS AND OTHER CUSTOMER
PROBLEMS.

==I HAVE TO REMAIN IN EUROPE DUE TO
SEVERE ILLNESS AND SPECIAL HEALTH
TREATMENTS HERE AND I HAVE STATED
THAT FACT TO THEM NUMEROUS TIMES
INITIALLY ON THE PHONE CALLS AND
THEN BY EMAIL.

==NOTHING FROM THEM IN MONTHS EXCEPT
ONCE A WEEK THEY SEND THE SAME
AUTOMATED REPLY THAT ONLY STATES:
WE RECEIVED YOUR LATEST EMAIL,
AND WE WILL RESPOND TO IT AS WE
HAVE TIME TO DO SO.

==THUS THEY CONTINUE TO RECEIVE THE
EMAIL BUT REFUSE TO REPLY WITH
ANY PERSONNEL TO OFFICE ANY REASON
OR EXPLANATION AT ALL FOR THE
MONTHS OF DELAY, IT IS NOW MORE
THAN 8 MONTHS.

==IN ADDITION ON READING WHAT THE
NEW MANAGEMENT STARTING IN 2010
HAS CAUSED...NUMEROUS LAWSUITS
BY FEDERAL AGENCIES ON BEHALF
OF CONSUMERS, FOR FRAUDULENT
AND DELIBERATELY DECEPTIVE TACTICS
WITH THEIR MILLIONS OF CUSTOMERS
WORLDWIDE, INCLUDING LARGE FINES
BUT TO NO AVAIL.
THEY PAY THE FINES TO THE AGENCIES
THAT THEY MUST, BUT CONTINUE THE
SAME TACTICS WITH CUSTOMERS,
APPARENTLY AS ONE FINANCIAL EXPERT
COMMENTARY STATES, SINCE THEIR
YEARLY PROFITS EXCEED
$50 BILLION PER YEAR, A FEW MILLION
IN FINES FOR THEM EVERY OTHER YEAR
OF NEW COURT DECISIONS IS PENNIES
ON THE DOLLAR FOR THEM.

==AND THAT IS A SUMMARY AND ALSO VERY
SIMILAR TO THOUSANDS OF OTHERS SINCE
THE NEW MANAGEMENT REMOVED ALL USA
OFFICES AND MOVED THEIR CLAIMS AND
ALL OTHER IMPORTANT MATTERS TO INDIA.
 
Apr 10, 2017
394
635
93
#2
If you are now convinced that this website does nothing but take the side of the corporation, why do you continue to post on here? What we actually do is encourage people to advocate for themselves as much as they can. Once those avenues lead to nowhere the writers can become involved. You were told several times to email executive contacts right here in the U.S. and to ignore the call centers in India. Have you done so? If you haven't completed this important first step there's nothing we can do for you.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
12,019
12,251
113
New York
www.promalvacations.com
#4
You can be banned for opening a new thread when you old one was closed because you didn’t take our advice.

Please again - stop typing in capital letters amd start writing as we told you to. Let us know what happens after you have gone all the way up the executive chain.

If you send letters typed in all CAPS that are too long, your letters will not be read by whoever you are sending them to.
 
#5
Tried to read this post but after one paragraph I came down with a serious case of EGO (eyes glazing over). Despite what you may think, we are not shills for Amex or any other corporation. That being said, we can't give good advice if you make it impossible to read your post.

My advice: open an account at a discount brokerage and buy one share of Amex stock, which will entitle you to attend their next stockholders' meeting. Air your grievances directly.
 
Last edited:
Sep 11, 2017
4
4
3
59
#8
I TOOK YOUR ADVICE AND STARTED A NEW THREAD THAT IS MORE READABLE WITH SMALLER
LETTERS.

BRIEF SUMMARY BUT EMPHASIZING
THE MOST SIGNIFICANT
METHODS ALREADY DEEMED TO BE
DECEPTIVE PRACTICES AIMED AT
CONSUMER BY THE THOUSANDS...


--I CANNOT SEE WELL, AM 71 YEARS
OLD, THUS THE USE OF MORE READABLE
CAPITAL LETTERS.

--ONE PROBLEM IS THAT OTHERS IN THESE
I TOOK YOUR ADVICE AND STARTED A NEW THREAD THAT IS MORE READABLE WITH SMALLER
LETTERS.

BRIEF SUMMARY BUT EMPHASIZING
THE MOST SIGNIFICANT
METHODS ALREADY DEEMED TO BE
DECEPTIVE PRACTICES AIMED AT
CONSUMER BY THE THOUSANDS...


--I CANNOT SEE WELL, AM 71 YEARS
OLD, THUS THE USE OF MORE READABLE
CAPITAL LETTERS.

--ONE PROBLEM IS THAT OTHERS IN THESE
FORUMS DO NOT NECESSARILY READ MY
ANSWERS AND THUS REPEAT THE SAME
QUESTION I HAVE ALREADY ANSWERED.

==ALSO THERE SEEMS TO BE AN UNWILLINGNESS
TO LEARN BY OTHERS, HERE,
THAT WOULD INVOLVE ACTUALLY READING
SOME OF THE CFPB WEBSITE FOR EXAMPLE,
THAT LISTS THOUSANDS OF OTHERS WITH
THE SAME PROBLEMS DUE TO ARROGANCE
AND DECEPTIVE PRACTICES BY MAJOR
CORPORATIONS SUCH AS AMERICAN EXPRESS.


--THE DIFFICULTIES WITH AMERICAN EXPRESS
ARE AS FOLLOWS
ALL OF THESE ARE VERY SIGNIFICANT
AND PROHIBITED METHODS AGAINST
PUBLIC AND ALL CONSUMERS:

==YET AMERICAN EXPRESS CONTINUES TO DEFY
ALL THE RULES.

==THIS IS PROBABLY BECAUSE THEIR ANNUAL
PROFITS ARE 50 BILLION DOLLARS PLUS
AND SO EVERY TIME THE COURT DECISIONS
FINE THEM ANOTHER 100 MILLION DOLLARS,
THEY PAY IT BUT CONTINUE THEIR
DECEPTIVE PRACTICES.


--I GOT A MESSAGE FROM SOMEONE BY EMAIL
TODAY EXPLAINING THAT YOUR WEBSITE
TENDS
TO...NEVER BLAME THE CORPORATION FOR
ANYTHING AT ALL, AND KEEPS SUGGESTING
IF THE CUSTOMER BECOME MORE AND MORE
INGRATIATING TOWARD THEM, THAT THINGS
WILL IMPROVE.

==A 5 MINUTE READ OF THE THOUSANDS
OF COMPLAINTS WITH SEVERE TREATMENT
BY MAJOR CORPORATIONS
ESPECIALLY AGAINST THE POOR AND THE
ELDERLY PROVE OTHERWISE.

==BUT YOU WOULD HAVE TO MAKE THE EFFORT
OF THAT 5 MINUTE READ TO UNDERSTAND
THAT, DON'T TAKE MY WORD FOR IT.


--I FIRST CALLED UPON REALIZING LOSS,
TOLD BY PHILIPPINES OFFICE THERE
ARE
NO LONGER ANY CUSTOMER OFFICES
IN THE ENTIRE USA.

PHILIPPINES OFFICE ASSURED ME THE
LOSS WOULD BE REFUNDED IN A WEEK

OR LESS [MANY CURRENT ADS BY
BANKS AND TRAVEL AGENCIES STILL
SELL TRAVELERS CHECKS....

[BUT DO NOT
INFORM YOU WHEN THEY SELL THEM THAT
THEY =WILL NOT= OFFER THE REFUND
OR ANY OTHER COVERAGE DUE TO LOSS
OF THEM.]

WHAT MAKES IT MORE DECEPTIVE IS THAT
MANY OF THE TRAVEL AGENCY WEBSITES
THAT STILL DO OFFER SALES OF AMERICAN
EXPRESS TRAVELERS CHECKS STATE CLEARLY
IN THEIR WEBSITES
==THAT AMERICAN EXPRESS USUALLY
COMPLETES THE REFUND FOR LOST TRAVELERS
CHECKS IN 24 HOURS==

HOWEVER, AGAIN, THEY NEGLECT TO TELL
YOU THAT =THEY= [USUALLY TRAVEL
AGENCIES AND BANKS STILL SELLING
THEM]
WILL NOT COVER FOR LOSSES, THAT YOU
MUST TRY ==SOMEWHERE ELSE== IF YOU LOSE
THEM,
BUT THEN THEY DO NOT GIVE YOU ANY
OTHER LOCATION TO TRY FOR GETTING
THE REFUND.

===THUS ALL THE CURRENT USA NUMBERS
FOR AMERICAN EXPRESS CUSTOMER SERVICE,
ALL THOSE 800 NUMBERS GO TO
PHILIPPINES OFFICE ONLY, NO USA
OFFICES..ALL CLOSED DOWN WHEN NEW
MANAGEMENT TOOK OVER AMERICAN EXPRESS
IN 2010.

ARE THESE DECEPTIVE PRACTICES BY
AMERICAN EXPRESS CORPORATION WHICH
STILL HAS ITS NATIONAL [INTERNATIONAL]
HQ IN NEW YORK BUT NO CUSTOMER SERVICE
IN THE USA ?

AT ANY RATE I WAS TOLD THE FIRST DAY
I CALLED TO REPORT THE LOSS OF JUST
10 TRAVELERS CHECKS TOTAL OF 1000
AND GAVE THEM SERIAL NUMBERS AND
RECEIPTS..I WAS TOLD 24 HOURS TO
1 WEEK FOR REFUND.

THEY WERE QUITE POLITE AND HELPFUL
AT PHILIPPINES CALL CENTER WHICH IS
24 HOURS BUT IT DOES ONLY TAKE THE
MINIMUM INFO FROM THE CUSTOMER,
THEN IT GOES TO THE
OFFICE IN INDIA WHICH MAKES DECISIONS
ON ALL SUCH CLAIMS OF LOSSES.

THE INDIA OFFICE, THE IMPORTANT OFFICE
AND ONLY OFFICE FOR ALL THE THOUSANDS
OF SIMILAR CLAIMS FROM AMERICAN EXPRESS
CUSTOMERS THROUGHOUT THE USA,
IS NOT
IS NOT OPEN 24 HOURS, BUT ONLY 5 HOURS
PER DAY INDIA TIME, AND OFTEN THE
LINE IS BUSY FOR HOURS WHEN YOU DO
CALL.


I CALLED AT THEIR REQUEST, THE INDIA
OFFICE, AND THE WHOLE SITUATION
RAPIDLY GOT MORE AMBIGUOUS.

WHEN I ASKED THE INDIA CLAIMS OFFICE
IF THEY WOULD BE REFUNDING THE CLAIM
IN THE STANDARD 24 HOURS TO WEEK
INTERVAL PROMISED BY ALL THE CURRENT
WEBSITES STILL SELLING THE T-CHECKS,
THEY TOLD ME:

OR RATHER FIRST ASKED ME...
==WHO TOLD YOU THAT INFORMATION==

I REPEATED IT CAME FROM THEIR
PHILIPPINES OFFICES THAT TAKES THE
FIRST CALLS AND THEN ROUTES ALL
LOSS CLAIMS TO INDIA OFFICE, YOUR
OFFICE.

I GAVE THEM THE NAME OF THE PERSON
AT THE PHILIPPINES OFFICE WHO TOLD
ME THE ASSURANCE OF A PROMPT REFUND,

WHICH THEY ALSO ASSURED ME
CAN BE A DIRECT DEPOSIT TO MY USA
BANK ACCOUNT, WHICH I ALSO GAVE THEM
GIVEN THE FACT THAT

AS THEY TOLD ME AT PHILIPPINES OFFICE,
MOST CALLS FOR SUCH A LOSS OF T-CHECKS
ARE SIMILAR TO MINE,
THE VAST MAJORITY OF THE CALLS COME
FROM AMERICANS WHO ARE TRAVELLING
ABROAD AT THE TIME, WHICH IS WHEN
THEY CARRY AND USE THE TRAVEL CHECKS
THE MOST OF COURSE,
SO IT IS NOT PRACTICAL FOR THE CUSTOMER
TO WAIT WEEKS OR MONTHS BY POSTAL
MAIL TO SEND A REFUND WHEN THE CUSTOMER
IS FAR AWAY IN EUROPE OR OTHER NATION
ON TRAVEL PURPOSES.

==ALL OF THIS WAS REFUTED AND DENIED
BY THE INDIA OFFICE AND THE INDIA
OFFICE MAKES THE DECISIONS ON ALL
CLAIMS, NOT THE PHILIPPINES OFFICE.

==I WAS THEN TOLD BY THE INDIA OFFICE,
THAT

==THERE ARE NO TIME LIMITS ON WAITING
FOR A REFUND== NONE AT ALL.==

I WAS SHOCKED TO HEAR SUCH A CONTRA-
DICTORY STATEMENT,

OPPOSITE OF THEIR
ENTIRE AD CAMPAIGNS OF THE COMPANY,
BUT I ONLY ASKED AT THAT POINT, CAN
YOU GIVE ME AN APPROXIMATE ESTIMATE
ON THE ==AVERAGE TIME==
IT TAKES TO GET A SIMPLE AND CLEAR
LOSS SUCH AS MINE FOR THE REFUND TO
BE COMPLETED?

--NO...ABSOLUTELY NO TIME ESTIMATE CAN
BE MADE BY THEM AT THE INDIA OFFICE
AS TO HOW LONG BEFORE A REFUND.==
THEY TOLD ME AND DENIED THAT ANYONE
AT =PHILIPPINES OFFICE WOULD TELL
ME SO.

==WHEN I TRIED TO REMIND THE INDIA OFFICE
THAT THERE ARE STILL NUMEROUS ADS
OF TRAVEL AGENCIES AND BANKS IN THE USA
WHO
ARE HAPPY TO SELL THE TRAVELER CHECKS
AND THAT REFUNDS ARE OFTEN IN 24 HOUR!!

==BUT WHEN I READ THE EXPERIENCES OF OTHER
CUSTOMERS WITH THE IDENTICAL LOST CHECKS
PROBLEM...
IT TURNS OUT THAT ALL OF THESE PLACE THAT
STILL SELL THE TRAVELER CHECKS IN THE USA,
AND EVEN STATE THE VERY OPTIMISTIC 24 HOUR
REFUND AS PART OF THE GUARANTEE OF THE
PURCHASE OF THE TRAVEL-CHECKS
BUT
AND MOST IMPORTANTLY....THEY DO ==NOT==
ADD THE VERY IMPORTANT CAUTION...
THAT NONE OF THEM ACTUALLY DO ANY REFUNDS,
AND THEY DO
==NOT KNOW== OF ANY PLACES IN THE USA
WHO WILL ACTUALLY DO THE REFUNDS, EVEN
IN SPITE OF THEIR UNIVERSAL GUARANTEE.

==IN FACT, BUT THE PUBLIC IS NOT INFORMED,
THE ONLY PLACE IN THE ENTIRE WORLD
THAT NOW HAS THE AUTHORITY TO PROVIDE
REFUNDS FOR LOST CHECKS
IS THE SAME INDIA OFFICE WHICH APPARENTLY
HAS BEEN INSTRUCTED ==NOT== TO FOLLOW
THROUGH WITH ANY REFUNDS AT ALL, AT LEAST
NOT FOR MONTHS OR EVEN YEARS ==OFTEN AS
ONE HELPFUL WOMAN AT THE PHILIPPINES OFFICE
TOLD ME==
OFTEN THE CUSTOMER GIVES UP CONTACTING
THE AMERICAN EXPRESS AT ALL AFTER SO MANY
MONTHS OF NO RESPONSE.


==THE PROBLEMS WITH THEM GET MUCH MORE
SIGNIFICANT:
THEY HAVE NEVER ACKNOWLEDGED RECEIVING
THE SCANNED AND EMAIL ATTACHMENT DOCUMENTS
{EXCEPT FOR THE FIRST 2 SENT]
EVEN THOUGH IT HAS NOW BEEN MONTHS,
AND ONE OF THE DOCUMENTS I SENT THEM,
AGAIN BY EMAIL ATTACHMENT WITH THE SAME
RELIABILITY, THE SCANNED RECEIPTS AND
SERIAL NUMBERS,
THEY NOW REFUSE TO ANSWER AT ALL...
IN OTHER WORDS THEY WILL NOT TELL ME WHETHER
OR NOT THEY EVEN RECEIVED THEM.

==AND AS ONE OF THE THOUSANDS OF OTHER CUSTOMERS
TREATED IN A SIMILAR WAY ON THE MAJOR COMPLAINTS
AGENCY WEBSITES ESPECIALLY, THE CFPB,
WITHOUT ACKNOWLEDGING, NOT EVEN WITH A SIMPLE
EMAIL FROM THEM, SAYING YES THEY HAVE RECEIVED
THEM,
==IN FACT== AND THIS IS VERY IMPORTANT, THEY
DO NOT ANSWER THE QUESTION AT ALL.

==AS OTHER CUSTOMERS AND COMMENTARY ON THE SITUATION
HAS POINTED OUT,
THAT IT IS INDIRECT PROOF THEY OF COURSE RECEIVE
ALL COMMUNICATIONS ACCURATELY AND PROMPTLY
BUT BY
NOT ANSWERING THE QUESTION AT ALL, THEY CAN CONTINUE
TO LEAVE THE COMPLAINT
OPEN AND UN-COMPLETED BY THEIR INDIA OFFICE, USING
THIS AS A TOTALLY FALSE METHOD TO DELAY THE CLAIM
INDEFINITELY.



==EMAIL COMMUNICATION BY THEM WAS
ENCOURAGED THROUGHOUT SO I CONTINUED
TO SEND SUCH COPIES BY EMAIL ATTACH-
MENT AND ANY OTHER QUESTIONS THAT
I MIGHT HAVE AND THEY SENT ME SEVERAL
STANDARD INFORMATIONAL MESSAGES,
NOT FROM INDIVIDUALS FROM THEIR OFFICE
HOWEVER, BUT GENERAL STATEMENTS OF
THE COMPANY ITSELF, AMERICAN EXPRESS,
WITHOUT REALLY GIVING ANY SPECIFIC
HELPFUL INFORMATION ON MY SITUATION.

==HOWEVER AS IT BECAME A MONTH AND THEN
INTO THE 2ND MONTH, AND THEIR EMAIL
TO ME RAPIDLY REDUCED TO ONE AUTOMATED
RESPONSE FROM THEM PER WEEK, NO
CONTENT BUT DUPLICATES OF PREVIOUS
GENERAL INFO AUTOMATED RESPONSES.

==I FINALLY CALLED THEM AGAIN, AND THEY
WERE BECOMING PROGRESSIVELY MORE
EVASIVE.

==THEY TOLD ME THEY WERE NOT REQUIRED
TO USE EMAIL AT ALL WITH ME.
I REMINDED THEM THAT FOR ANYONE OF
THE THOUSANDS OF THEIR CUSTOMERS WHO
ARE AWAY FROM THE USA AT THE TIME OF
LOSS OF T-CHECKS, THAT EMAIL IS THE
ONLY PRACTICAL WAY TO DO THIS IN A
TIMELY MANNER.

==THEY MADE NO MORE COMMENT.

==A WEEK LATER THEY SENT A MYSTERIOUS
EMAIL TO ME STATING THEY HAD DECIDED
NOT TO COMMUNICATE BY EMAIL ANY FURTHER.

==YET THEY CONTINUE TO RECEIVE MY EMAIL
AND STILL SEND BOILERPLATE (AUTOMATICALLY
GENERATED RESPONSES ONCE A WEEK BUT
HAVE NO REAL CONTENT, NO NEW INFO.
GIVEN IN THEM]

==I TRIED AN EMAIL AND THEN
DECIDED TO REMIND THEM AS THEIR
RESPONSES WERE RAPIDLY BECOMING
MORE AND MORE UNPREDICTABLE,
I DECIDED TO SEND THEM A REMINDER
AT LEAST BY EMAIL TWICE A WEEK,
HOPING EACH WEEK, THAT THEY WOULD
COMPLETE THE PAPERWORK FOR THIS
VERY SIMPLE AND CLEAR LOSS OF ONE
BATCH OF TRAVELERS CHECKS.

==I ALSO NOTICED THAT THEY HAD NOT
YET ACKNOWLEDGED THE RECEIPT OF
WHAT THEY ASKED FOR IN THE FIRST
WEEK.
THAT I HAD NO EMAIL PROOF, AND THE
PHONE CALLS ARE RECORDED BY THEM BUT
THEY EXPLICITLY TELL YOU, THAT YOU
AS CUSTOMER ARE NOT ALLOWED TO
RECORD PHONE CALLS OF THEM,
THAT THEREFORE I HAD NO PROOF AT ALL
YET THEY RECEIVED THE ATTACHMENTS
FOR THE FEW BASIC DOCUMENTS THEY
NEEDED AND ASSURED ME, THAT WAS ALL
THEY NEEDED IN THE FIRST PLACE!

====VERY IMPORTANT AND MUCH DISCUSSED
DECEPTIVE TECHNIQUES
ON ALL OFFICIAL WEBSITES WHICH
ARE RECEIVING THOUSANDS OF COMPLAINTS
PER DAY:

==THIS VERY IMPORTANT DECEPTIVE METHOD
IS TO...
CONSTANTLY ASK FOR ADDITIONAL UNRELATED
INFORMATION AND DOCUMENTS,
BUT
NEVER ACKNOWLEDGE WHAT THEY HAVE RECEIVED
FROM YOU ALREADY!

THIS IS WHAT MAKES IT SO EASY TO PROMOTE THE
OPPOSITE OF THE TRUTH, THAT THEY HAVE "NO RECORDS"
OF BASIC INFORMATION SENT TO THEM,
EVEN THOUGH THEY IN FACT HAVE ALL OF THEM FROM
YOU...
BUT BECAUSE THEY KEEP CLAIMING THEY HAVE NONE,
THEN THEY CONTINUE TO DELAY THE REFUND INDEFINITELY.


===THERE IS YET ANOTHER DECEPTIVE METHOD
AMERICAN EXPRESS HAS BEEN FINED FOR REPEATEDLY
BUT CONTINUES TO VIOLATE
CONSUMER PROTECTION LAWS:

==THAT IS THE FOLLOWING==

THEY REFUSE TO CANCEL THE APPROPRIATE SERIAL NUMBERS
AT ALL!

IN OTHER WORDS, THEY IMMEDIATELY WANT YOU TO FURNISH
THEM WITH THE SERIAL NUMBERS OF THE LOST TRAVELER
CHECKS...

BUT THEN THEY NEVER FOLLOW THROUGH TO PROMISE TO
CANCEL THOSE SERIAL NUMBERS
SO OF COURSE, AS ANY IDIOT KNOWS, THAT THE SERIAL
NUMBERS ARE NOW NOTED ON THEIR WORLD DATABASE
SO THAT ANY STORE OR OTHER BUSINESS WILL NO LONGER
ACCEPT THOSE SERIAL NUMBERS!!

AMERICAN EXPRESS IS SUBJECT TO THE SAME LAWS OF
BANKING STANDARDS:

NOTE THAT ALL BANKS, USA AND THE WORLD DO EXACTLY
AS YOU WOULD EXPECT:
....AS SOON AS YOU DECLARE A NUMBER OF TRAVELER
CHECKS LOST, AND GIVE THE SERIAL NUMBERS...

THEN IT IS IDENTICAL TO LOSING A CHECKING ACCOUNT
CHECK OR SEVERAL OF THEM FROM YOUR LOCAL BANK,

THE BANK FOR OBVIOUS REASONS WANTS TO NULLIFY THE
CHECK NUMBERS AND THEN PUT THIS INTO THEIR ONLINE
DATABASE WHICH IMMEDIATELY LETS ANY MERCHANT OR
OTHER BUSINESS OFFERED THE CHECK AS PAYMENT,
THAT THEIR COMPUTER SYSTEM IMMEDIATELY REJECTS
THE CHECK SINCE IT IS NULLIFIED THE SAME TIME
ANY CUSTOMER OF ANY BANK REPORTS A CHECK LOST,
THEY EVEN USUALLY CANCEL A WHOLE SERIES OF 20
CHECKS OR MORE FROM A CHECK BOOK AND ISSUE YOU
A NEW SET OF 20.

THIS IS THE UNIVERSAL BANKING STANDARD TO PROTECT
BOTH THE BANK AND THE CUSTOMER FROM ANY POSSIBILITY
OF FRAUD OR MISUSE OF THE CHECKS LOST, BY SOME
UNKNOWN PERSONS LATER.


====BUT....NOT SO....AMERICAN EXPRESS...

WITH ITS NEW MANAGEMENT FROM 2010 ONWARD AMERICAN
EXPRESS DOES ...ESSENTIALLY...
NOTHING...AT ALL IN THE WAY OF
FOLLOWING THE BUSINESS RULES
FOR EVEN A MINIMUM STANDARD OF
ETHICS FOR CUSTOMERS.

IT HAS A BIZARRE METHOD INSTEAD....TO CONTINUE...

INDEFINITELY...TO LEAVE THE LOST TRAVELER CHECKS
ON THE SYSTEM AS IF THEY ARE NOT LOST...
AND
THEN THEY INCREASE THEIR ARROGANCE IN DEMANDING THAT
YOU THE CUSTOMER
TAKE OVER THEIR ENTIRE ROLE...

THAT FOR AN UNLIMITED TIME INTO THE FUTURE...THOSE
LOST CHECKS WILL CONTINUE TO BE A NIGHTMARE FOR YOU,
THAT
AMERICAN EXPRESS DOES NOT MAKE ANY ATTEMPT TO PROTECT
YOU WHATEVER....BY CANCELLING THE LOST CHECK SERIAL
NUMBERS...

THIS UPSETS CUSTOMES TO SUCH AN EXTENT THEY USUALLY
ABANDON ALL HOPE OF GETTING A REFUND AND STOP CONTACTING
AMERICAN EXPRESS AT ALL.

AMERICAN EXPRESS THEN HAS BEEN DISCOVERED TO ACTUALLY
DO, IN FACT, IT DOES CANCEL THE CHECK NUMBERS BUT REFUSES
TO REVEAL THIS TO THE CUSTOMERS.

THAT WAY AMERICAN EXPRESS NEVER HAS TO MAKE THE REFUND
TO THE CUSTOMER AS THE CUSTOMER GIVES UP ON THE EFFORT
WITH THE POLICY OF DENYING CUSTOMER PROTECTION ENTIRELY.

NO CUSTOMER PROTECTION LAWS OR RULES ARE NOW EVER
OBSERVED BY AMERICAN EXPRESS.

IN THIS WAY, AMERICAN EXPRESS SECRETLY PROTECTS ITSELF
BY ACTUALLY CANCELLING THE SERIAL NUMBERS, BUT TELLS
THE CUSTOMER THE OPPOSITE OF THE TRUTH...
THE CUSTOMER MUST ...AND FOR ==AN INDEFINITE TIME PERIOD
OF PERHAPS YEARS== INTO THE FUTURE,
THAT THE CUSTOMER MUST PAY REIMBURSEMENT TO AMERICAN
EXPRESS IF AMERICAN EXPRESS NOTIFIES THEM THAT THE CHECKS
HAVE BEEN CASHED BY SOME UNKNOWN PERSON,
IN SO DOING,
AMERICAN EXPRESS NEVER REFUNDS FOR ANYTHING ANYMORE,
AND BY CONSTANTLY FALSIFYING TO THE CUSTOMER ON ALL
QUESTIONS, CAN END FOR AT LEAST SOME OF THE MORE
NAIVE CUSTOMERS,
ESPECIALLY THE POOR AND ELDERLY,
THAT SOME OF THEM WILL ACTUALLY BELIEVE THE LIES FROM
AMEREX CORPORATION AND THUS PAY AN ADDITIONAL AMOUNT
FOR THE LOST TRAVELERS CHECKS WHICH AMEREX THEN CLAIMS
WERE CASHED BY SOME UNKNOWN INDIVIDUAL THAT THEY CANNOT
TRACE,
THAT WAY AMERICAN EXPRESS STANDS TO EARN DOUBLE THE
AMOUNT ON A GIVEN SET OF TRAVELERS CHECKS
OR AT THE VERY MINIMUM,
NEVER PAY BACK THE MONEY ON THE CHECKS FOR THE ORIGINAL
DECLARED LOSS BY THE CUSTOMER.

THOUSANDS OF CUSTOMERS WITH LOST TRAVELERS CHECKS HAVE
LOST THE MONEY ON THE CHECKS EVEN AFTER FOLLOWING ALL
OF THE REQUESTS AND DEMANDS FROM AMERICAN EXPRESS,
FOR INFORMATION OF ALL KINDS, AND QUITE IRRELEVENT IN
FACT, EXCEPT AS A DELAY TECHNIQUE
TO POSTPOSE
THE REFUND INDEFINITELY
SO THAT CUSTOMERS NEVER GET THE REFUND THEY
ARE ENTITLED TO.


==THEN I STARTED READING THE MAJOR
WEBSITES ABOUT THE NEW MANAGEMENT
THAT TOOK OVER AMERICAN EXPRESS
IN 2010 AND HOW THEY QUICKLY SHUT
DOWN ALL OFFICES IN THE USA AND
EUROPE THAT OFFER HELP WITH LOSS
OF TRAVEL CHECKS AND OTHER CUSTOMER
PROBLEMS.

==I HAVE TO REMAIN IN EUROPE DUE TO
SEVERE ILLNESS AND SPECIAL HEALTH
TREATMENTS HERE AND I HAVE STATED
THAT FACT TO THEM NUMEROUS TIMES
INITIALLY ON THE PHONE CALLS AND
THEN BY EMAIL.

==NOTHING FROM THEM IN MONTHS EXCEPT
ONCE A WEEK THEY SEND THE SAME
AUTOMATED REPLY THAT ONLY STATES:
WE RECEIVED YOUR LATEST EMAIL,
AND WE WILL RESPOND TO IT AS WE
HAVE TIME TO DO SO.

==THUS THEY CONTINUE TO RECEIVE THE
EMAIL BUT REFUSE TO REPLY WITH
ANY PERSONNEL TO OFFICE ANY REASON
OR EXPLANATION AT ALL FOR THE
MONTHS OF DELAY, IT IS NOW MORE
THAN 8 MONTHS.

==IN ADDITION ON READING WHAT THE
NEW MANAGEMENT STARTING IN 2010
HAS CAUSED...NUMEROUS LAWSUITS
BY FEDERAL AGENCIES ON BEHALF
OF CONSUMERS, FOR FRAUDULENT
AND DELIBERATELY DECEPTIVE TACTICS
WITH THEIR MILLIONS OF CUSTOMERS
WORLDWIDE, INCLUDING LARGE FINES
BUT TO NO AVAIL.
THEY PAY THE FINES TO THE AGENCIES
THAT THEY MUST, BUT CONTINUE THE
SAME TACTICS WITH CUSTOMERS,
APPARENTLY AS ONE FINANCIAL EXPERT
COMMENTARY STATES, SINCE THEIR
YEARLY PROFITS EXCEED
$50 BILLION PER YEAR, A FEW MILLION
IN FINES FOR THEM EVERY OTHER YEAR
OF NEW COURT DECISIONS IS PENNIES
ON THE DOLLAR FOR THEM.

==AND THAT IS A SUMMARY AND ALSO VERY
SIMILAR TO THOUSANDS OF OTHERS SINCE
THE NEW MANAGEMENT REMOVED ALL USA
OFFICES AND MOVED THEIR CLAIMS AND
ALL OTHER IMPORTANT MATTERS TO INDIA.
FORUMS DO NOT NECESSARILY READ MY
ANSWERS AND THUS REPEAT THE SAME
QUESTION I HAVE ALREADY ANSWERED.

==ALSO THERE SEEMS TO BE AN UNWILLINGNESS
TO LEARN BY OTHERS, HERE,
THAT WOULD INVOLVE ACTUALLY READING
SOME OF THE CFPB WEBSITE FOR EXAMPLE,
THAT LISTS THOUSANDS OF OTHERS WITH
THE SAME PROBLEMS DUE TO ARROGANCE
AND DECEPTIVE PRACTICES BY MAJOR
CORPORATIONS SUCH AS AMERICAN EXPRESS.


--THE DIFFICULTIES WITH AMERICAN EXPRESS
ARE AS FOLLOWS
ALL OF THESE ARE VERY SIGNIFICANT
AND PROHIBITED METHODS AGAINST
PUBLIC AND ALL CONSUMERS:

==YET AMERICAN EXPRESS CONTINUES TO DEFY
ALL THE RULES.

==THIS IS PROBABLY BECAUSE THEIR ANNUAL
PROFITS ARE 50 BILLION DOLLARS PLUS
AND SO EVERY TIME THE COURT DECISIONS
FINE THEM ANOTHER 100 MILLION DOLLARS,
THEY PAY IT BUT CONTINUE THEIR
DECEPTIVE PRACTICES.


--I GOT A MESSAGE FROM SOMEONE BY EMAIL
TODAY EXPLAINING THAT YOUR WEBSITE
TENDS
TO...NEVER BLAME THE CORPORATION FOR
ANYTHING AT ALL, AND KEEPS SUGGESTING
IF THE CUSTOMER BECOME MORE AND MORE
INGRATIATING TOWARD THEM, THAT THINGS
WILL IMPROVE.

==A 5 MINUTE READ OF THE THOUSANDS
OF COMPLAINTS WITH SEVERE TREATMENT
BY MAJOR CORPORATIONS
ESPECIALLY AGAINST THE POOR AND THE
ELDERLY PROVE OTHERWISE.

==BUT YOU WOULD HAVE TO MAKE THE EFFORT
OF THAT 5 MINUTE READ TO UNDERSTAND
THAT, DON'T TAKE MY WORD FOR IT.


--I FIRST CALLED UPON REALIZING LOSS,
TOLD BY PHILIPPINES OFFICE THERE
ARE
NO LONGER ANY CUSTOMER OFFICES
IN THE ENTIRE USA.

PHILIPPINES OFFICE ASSURED ME THE
LOSS WOULD BE REFUNDED IN A WEEK

OR LESS [MANY CURRENT ADS BY
BANKS AND TRAVEL AGENCIES STILL
SELL TRAVELERS CHECKS....

[BUT DO NOT
INFORM YOU WHEN THEY SELL THEM THAT
THEY =WILL NOT= OFFER THE REFUND
OR ANY OTHER COVERAGE DUE TO LOSS
OF THEM.]

WHAT MAKES IT MORE DECEPTIVE IS THAT
MANY OF THE TRAVEL AGENCY WEBSITES
THAT STILL DO OFFER SALES OF AMERICAN
EXPRESS TRAVELERS CHECKS STATE CLEARLY
IN THEIR WEBSITES
==THAT AMERICAN EXPRESS USUALLY
COMPLETES THE REFUND FOR LOST TRAVELERS
CHECKS IN 24 HOURS==

HOWEVER, AGAIN, THEY NEGLECT TO TELL
YOU THAT =THEY= [USUALLY TRAVEL
AGENCIES AND BANKS STILL SELLING
THEM]
WILL NOT COVER FOR LOSSES, THAT YOU
MUST TRY ==SOMEWHERE ELSE== IF YOU LOSE
THEM,
BUT THEN THEY DO NOT GIVE YOU ANY
OTHER LOCATION TO TRY FOR GETTING
THE REFUND.

===THUS ALL THE CURRENT USA NUMBERS
FOR AMERICAN EXPRESS CUSTOMER SERVICE,
ALL THOSE 800 NUMBERS GO TO
PHILIPPINES OFFICE ONLY, NO USA
OFFICES..ALL CLOSED DOWN WHEN NEW
MANAGEMENT TOOK OVER AMERICAN EXPRESS
IN 2010.

ARE THESE DECEPTIVE PRACTICES BY
AMERICAN EXPRESS CORPORATION WHICH
STILL HAS ITS NATIONAL [INTERNATIONAL]
HQ IN NEW YORK BUT NO CUSTOMER SERVICE
IN THE USA ?

AT ANY RATE I WAS TOLD THE FIRST DAY
I CALLED TO REPORT THE LOSS OF JUST
10 TRAVELERS CHECKS TOTAL OF 1000
AND GAVE THEM SERIAL NUMBERS AND
RECEIPTS..I WAS TOLD 24 HOURS TO
1 WEEK FOR REFUND.

THEY WERE QUITE POLITE AND HELPFUL
AT PHILIPPINES CALL CENTER WHICH IS
24 HOURS BUT IT DOES ONLY TAKE THE
MINIMUM INFO FROM THE CUSTOMER,
THEN IT GOES TO THE
OFFICE IN INDIA WHICH MAKES DECISIONS
ON ALL SUCH CLAIMS OF LOSSES.

THE INDIA OFFICE, THE IMPORTANT OFFICE
AND ONLY OFFICE FOR ALL THE THOUSANDS
OF SIMILAR CLAIMS FROM AMERICAN EXPRESS
CUSTOMERS THROUGHOUT THE USA,
IS NOT
IS NOT OPEN 24 HOURS, BUT ONLY 5 HOURS
PER DAY INDIA TIME, AND OFTEN THE
LINE IS BUSY FOR HOURS WHEN YOU DO
CALL.


I CALLED AT THEIR REQUEST, THE INDIA
OFFICE, AND THE WHOLE SITUATION
RAPIDLY GOT MORE AMBIGUOUS.

WHEN I ASKED THE INDIA CLAIMS OFFICE
IF THEY WOULD BE REFUNDING THE CLAIM
IN THE STANDARD 24 HOURS TO WEEK
INTERVAL PROMISED BY ALL THE CURRENT
WEBSITES STILL SELLING THE T-CHECKS,
THEY TOLD ME:

OR RATHER FIRST ASKED ME...
==WHO TOLD YOU THAT INFORMATION==

I REPEATED IT CAME FROM THEIR
PHILIPPINES OFFICES THAT TAKES THE
FIRST CALLS AND THEN ROUTES ALL
LOSS CLAIMS TO INDIA OFFICE, YOUR
OFFICE.

I GAVE THEM THE NAME OF THE PERSON
AT THE PHILIPPINES OFFICE WHO TOLD
ME THE ASSURANCE OF A PROMPT REFUND,

WHICH THEY ALSO ASSURED ME
CAN BE A DIRECT DEPOSIT TO MY USA
BANK ACCOUNT, WHICH I ALSO GAVE THEM
GIVEN THE FACT THAT

AS THEY TOLD ME AT PHILIPPINES OFFICE,
MOST CALLS FOR SUCH A LOSS OF T-CHECKS
ARE SIMILAR TO MINE,
THE VAST MAJORITY OF THE CALLS COME
FROM AMERICANS WHO ARE TRAVELLING
ABROAD AT THE TIME, WHICH IS WHEN
THEY CARRY AND USE THE TRAVEL CHECKS
THE MOST OF COURSE,
SO IT IS NOT PRACTICAL FOR THE CUSTOMER
TO WAIT WEEKS OR MONTHS BY POSTAL
MAIL TO SEND A REFUND WHEN THE CUSTOMER
IS FAR AWAY IN EUROPE OR OTHER NATION
ON TRAVEL PURPOSES.

==ALL OF THIS WAS REFUTED AND DENIED
BY THE INDIA OFFICE AND THE INDIA
OFFICE MAKES THE DECISIONS ON ALL
CLAIMS, NOT THE PHILIPPINES OFFICE.

==I WAS THEN TOLD BY THE INDIA OFFICE,
THAT

==THERE ARE NO TIME LIMITS ON WAITING
FOR A REFUND== NONE AT ALL.==

I WAS SHOCKED TO HEAR SUCH A CONTRA-
DICTORY STATEMENT,

OPPOSITE OF THEIR
ENTIRE AD CAMPAIGNS OF THE COMPANY,
BUT I ONLY ASKED AT THAT POINT, CAN
YOU GIVE ME AN APPROXIMATE ESTIMATE
ON THE ==AVERAGE TIME==
IT TAKES TO GET A SIMPLE AND CLEAR
LOSS SUCH AS MINE FOR THE REFUND TO
BE COMPLETED?

--NO...ABSOLUTELY NO TIME ESTIMATE CAN
BE MADE BY THEM AT THE INDIA OFFICE
AS TO HOW LONG BEFORE A REFUND.==
THEY TOLD ME AND DENIED THAT ANYONE
AT =PHILIPPINES OFFICE WOULD TELL
ME SO.

==WHEN I TRIED TO REMIND THE INDIA OFFICE
THAT THERE ARE STILL NUMEROUS ADS
OF TRAVEL AGENCIES AND BANKS IN THE USA
WHO
ARE HAPPY TO SELL THE TRAVELER CHECKS
AND THAT REFUNDS ARE OFTEN IN 24 HOUR!!

==BUT WHEN I READ THE EXPERIENCES OF OTHER
CUSTOMERS WITH THE IDENTICAL LOST CHECKS
PROBLEM...
IT TURNS OUT THAT ALL OF THESE PLACE THAT
STILL SELL THE TRAVELER CHECKS IN THE USA,
AND EVEN STATE THE VERY OPTIMISTIC 24 HOUR
REFUND AS PART OF THE GUARANTEE OF THE
PURCHASE OF THE TRAVEL-CHECKS
BUT
AND MOST IMPORTANTLY....THEY DO ==NOT==
ADD THE VERY IMPORTANT CAUTION...
THAT NONE OF THEM ACTUALLY DO ANY REFUNDS,
AND THEY DO
==NOT KNOW== OF ANY PLACES IN THE USA
WHO WILL ACTUALLY DO THE REFUNDS, EVEN
IN SPITE OF THEIR UNIVERSAL GUARANTEE.

==IN FACT, BUT THE PUBLIC IS NOT INFORMED,
THE ONLY PLACE IN THE ENTIRE WORLD
THAT NOW HAS THE AUTHORITY TO PROVIDE
REFUNDS FOR LOST CHECKS
IS THE SAME INDIA OFFICE WHICH APPARENTLY
HAS BEEN INSTRUCTED ==NOT== TO FOLLOW
THROUGH WITH ANY REFUNDS AT ALL, AT LEAST
NOT FOR MONTHS OR EVEN YEARS ==OFTEN AS
ONE HELPFUL WOMAN AT THE PHILIPPINES OFFICE
TOLD ME==
OFTEN THE CUSTOMER GIVES UP CONTACTING
THE AMERICAN EXPRESS AT ALL AFTER SO MANY
MONTHS OF NO RESPONSE.


==THE PROBLEMS WITH THEM GET MUCH MORE
SIGNIFICANT:
THEY HAVE NEVER ACKNOWLEDGED RECEIVING
THE SCANNED AND EMAIL ATTACHMENT DOCUMENTS
{EXCEPT FOR THE FIRST 2 SENT]
EVEN THOUGH IT HAS NOW BEEN MONTHS,
AND ONE OF THE DOCUMENTS I SENT THEM,
AGAIN BY EMAIL ATTACHMENT WITH THE SAME
RELIABILITY, THE SCANNED RECEIPTS AND
SERIAL NUMBERS,
THEY NOW REFUSE TO ANSWER AT ALL...
IN OTHER WORDS THEY WILL NOT TELL ME WHETHER
OR NOT THEY EVEN RECEIVED THEM.

==AND AS ONE OF THE THOUSANDS OF OTHER CUSTOMERS
TREATED IN A SIMILAR WAY ON THE MAJOR COMPLAINTS
AGENCY WEBSITES ESPECIALLY, THE CFPB,
WITHOUT ACKNOWLEDGING, NOT EVEN WITH A SIMPLE
EMAIL FROM THEM, SAYING YES THEY HAVE RECEIVED
THEM,
==IN FACT== AND THIS IS VERY IMPORTANT, THEY
DO NOT ANSWER THE QUESTION AT ALL.

==AS OTHER CUSTOMERS AND COMMENTARY ON THE SITUATION
HAS POINTED OUT,
THAT IT IS INDIRECT PROOF THEY OF COURSE RECEIVE
ALL COMMUNICATIONS ACCURATELY AND PROMPTLY
BUT BY
NOT ANSWERING THE QUESTION AT ALL, THEY CAN CONTINUE
TO LEAVE THE COMPLAINT
OPEN AND UN-COMPLETED BY THEIR INDIA OFFICE, USING
THIS AS A TOTALLY FALSE METHOD TO DELAY THE CLAIM
INDEFINITELY.



==EMAIL COMMUNICATION BY THEM WAS
ENCOURAGED THROUGHOUT SO I CONTINUED
TO SEND SUCH COPIES BY EMAIL ATTACH-
MENT AND ANY OTHER QUESTIONS THAT
I MIGHT HAVE AND THEY SENT ME SEVERAL
STANDARD INFORMATIONAL MESSAGES,
NOT FROM INDIVIDUALS FROM THEIR OFFICE
HOWEVER, BUT GENERAL STATEMENTS OF
THE COMPANY ITSELF, AMERICAN EXPRESS,
WITHOUT REALLY GIVING ANY SPECIFIC
HELPFUL INFORMATION ON MY SITUATION.

==HOWEVER AS IT BECAME A MONTH AND THEN
INTO THE 2ND MONTH, AND THEIR EMAIL
TO ME RAPIDLY REDUCED TO ONE AUTOMATED
RESPONSE FROM THEM PER WEEK, NO
CONTENT BUT DUPLICATES OF PREVIOUS
GENERAL INFO AUTOMATED RESPONSES.

==I FINALLY CALLED THEM AGAIN, AND THEY
WERE BECOMING PROGRESSIVELY MORE
EVASIVE.

==THEY TOLD ME THEY WERE NOT REQUIRED
TO USE EMAIL AT ALL WITH ME.
I REMINDED THEM THAT FOR ANYONE OF
THE THOUSANDS OF THEIR CUSTOMERS WHO
ARE AWAY FROM THE USA AT THE TIME OF
LOSS OF T-CHECKS, THAT EMAIL IS THE
ONLY PRACTICAL WAY TO DO THIS IN A
TIMELY MANNER.

==THEY MADE NO MORE COMMENT.

==A WEEK LATER THEY SENT A MYSTERIOUS
EMAIL TO ME STATING THEY HAD DECIDED
NOT TO COMMUNICATE BY EMAIL ANY FURTHER.

==YET THEY CONTINUE TO RECEIVE MY EMAIL
AND STILL SEND BOILERPLATE (AUTOMATICALLY
GENERATED RESPONSES ONCE A WEEK BUT
HAVE NO REAL CONTENT, NO NEW INFO.
GIVEN IN THEM]

==I TRIED AN EMAIL AND THEN
DECIDED TO REMIND THEM AS THEIR
RESPONSES WERE RAPIDLY BECOMING
MORE AND MORE UNPREDICTABLE,
I DECIDED TO SEND THEM A REMINDER
AT LEAST BY EMAIL TWICE A WEEK,
HOPING EACH WEEK, THAT THEY WOULD
COMPLETE THE PAPERWORK FOR THIS
VERY SIMPLE AND CLEAR LOSS OF ONE
BATCH OF TRAVELERS CHECKS.

==I ALSO NOTICED THAT THEY HAD NOT
YET ACKNOWLEDGED THE RECEIPT OF
WHAT THEY ASKED FOR IN THE FIRST
WEEK.
THAT I HAD NO EMAIL PROOF, AND THE
PHONE CALLS ARE RECORDED BY THEM BUT
THEY EXPLICITLY TELL YOU, THAT YOU
AS CUSTOMER ARE NOT ALLOWED TO
RECORD PHONE CALLS OF THEM,
THAT THEREFORE I HAD NO PROOF AT ALL
YET THEY RECEIVED THE ATTACHMENTS
FOR THE FEW BASIC DOCUMENTS THEY
NEEDED AND ASSURED ME, THAT WAS ALL
THEY NEEDED IN THE FIRST PLACE!

====VERY IMPORTANT AND MUCH DISCUSSED
DECEPTIVE TECHNIQUES
ON ALL OFFICIAL WEBSITES WHICH
ARE RECEIVING THOUSANDS OF COMPLAINTS
PER DAY:

==THIS VERY IMPORTANT DECEPTIVE METHOD
IS TO...
CONSTANTLY ASK FOR ADDITIONAL UNRELATED
INFORMATION AND DOCUMENTS,
BUT
NEVER ACKNOWLEDGE WHAT THEY HAVE RECEIVED
FROM YOU ALREADY!

THIS IS WHAT MAKES IT SO EASY TO PROMOTE THE
OPPOSITE OF THE TRUTH, THAT THEY HAVE "NO RECORDS"
OF BASIC INFORMATION SENT TO THEM,
EVEN THOUGH THEY IN FACT HAVE ALL OF THEM FROM
YOU...
BUT BECAUSE THEY KEEP CLAIMING THEY HAVE NONE,
THEN THEY CONTINUE TO DELAY THE REFUND INDEFINITELY.


===THERE IS YET ANOTHER DECEPTIVE METHOD
AMERICAN EXPRESS HAS BEEN FINED FOR REPEATEDLY
BUT CONTINUES TO VIOLATE
CONSUMER PROTECTION LAWS:

==THAT IS THE FOLLOWING==

THEY REFUSE TO CANCEL THE APPROPRIATE SERIAL NUMBERS
AT ALL!

IN OTHER WORDS, THEY IMMEDIATELY WANT YOU TO FURNISH
THEM WITH THE SERIAL NUMBERS OF THE LOST TRAVELER
CHECKS...

BUT THEN THEY NEVER FOLLOW THROUGH TO PROMISE TO
CANCEL THOSE SERIAL NUMBERS
SO OF COURSE, AS ANY IDIOT KNOWS, THAT THE SERIAL
NUMBERS ARE NOW NOTED ON THEIR WORLD DATABASE
SO THAT ANY STORE OR OTHER BUSINESS WILL NO LONGER
ACCEPT THOSE SERIAL NUMBERS!!

AMERICAN EXPRESS IS SUBJECT TO THE SAME LAWS OF
BANKING STANDARDS:

NOTE THAT ALL BANKS, USA AND THE WORLD DO EXACTLY
AS YOU WOULD EXPECT:
....AS SOON AS YOU DECLARE A NUMBER OF TRAVELER
CHECKS LOST, AND GIVE THE SERIAL NUMBERS...

THEN IT IS IDENTICAL TO LOSING A CHECKING ACCOUNT
CHECK OR SEVERAL OF THEM FROM YOUR LOCAL BANK,

THE BANK FOR OBVIOUS REASONS WANTS TO NULLIFY THE
CHECK NUMBERS AND THEN PUT THIS INTO THEIR ONLINE
DATABASE WHICH IMMEDIATELY LETS ANY MERCHANT OR
OTHER BUSINESS OFFERED THE CHECK AS PAYMENT,
THAT THEIR COMPUTER SYSTEM IMMEDIATELY REJECTS
THE CHECK SINCE IT IS NULLIFIED THE SAME TIME
ANY CUSTOMER OF ANY BANK REPORTS A CHECK LOST,
THEY EVEN USUALLY CANCEL A WHOLE SERIES OF 20
CHECKS OR MORE FROM A CHECK BOOK AND ISSUE YOU
A NEW SET OF 20.

THIS IS THE UNIVERSAL BANKING STANDARD TO PROTECT
BOTH THE BANK AND THE CUSTOMER FROM ANY POSSIBILITY
OF FRAUD OR MISUSE OF THE CHECKS LOST, BY SOME
UNKNOWN PERSONS LATER.


====BUT....NOT SO....AMERICAN EXPRESS...

WITH ITS NEW MANAGEMENT FROM 2010 ONWARD AMERICAN
EXPRESS DOES ...ESSENTIALLY...
NOTHING...AT ALL IN THE WAY OF
FOLLOWING THE BUSINESS RULES
FOR EVEN A MINIMUM STANDARD OF
ETHICS FOR CUSTOMERS.

IT HAS A BIZARRE METHOD INSTEAD....TO CONTINUE...

INDEFINITELY...TO LEAVE THE LOST TRAVELER CHECKS
ON THE SYSTEM AS IF THEY ARE NOT LOST...
AND
THEN THEY INCREASE THEIR ARROGANCE IN DEMANDING THAT
YOU THE CUSTOMER
TAKE OVER THEIR ENTIRE ROLE...

THAT FOR AN UNLIMITED TIME INTO THE FUTURE...THOSE
LOST CHECKS WILL CONTINUE TO BE A NIGHTMARE FOR YOU,
THAT
AMERICAN EXPRESS DOES NOT MAKE ANY ATTEMPT TO PROTECT
YOU WHATEVER....BY CANCELLING THE LOST CHECK SERIAL
NUMBERS...

THIS UPSETS CUSTOMES TO SUCH AN EXTENT THEY USUALLY
ABANDON ALL HOPE OF GETTING A REFUND AND STOP CONTACTING
AMERICAN EXPRESS AT ALL.

AMERICAN EXPRESS THEN HAS BEEN DISCOVERED TO ACTUALLY
DO, IN FACT, IT DOES CANCEL THE CHECK NUMBERS BUT REFUSES
TO REVEAL THIS TO THE CUSTOMERS.

THAT WAY AMERICAN EXPRESS NEVER HAS TO MAKE THE REFUND
TO THE CUSTOMER AS THE CUSTOMER GIVES UP ON THE EFFORT
WITH THE POLICY OF DENYING CUSTOMER PROTECTION ENTIRELY.

NO CUSTOMER PROTECTION LAWS OR RULES ARE NOW EVER
OBSERVED BY AMERICAN EXPRESS.

IN THIS WAY, AMERICAN EXPRESS SECRETLY PROTECTS ITSELF
BY ACTUALLY CANCELLING THE SERIAL NUMBERS, BUT TELLS
THE CUSTOMER THE OPPOSITE OF THE TRUTH...
THE CUSTOMER MUST ...AND FOR ==AN INDEFINITE TIME PERIOD
OF PERHAPS YEARS== INTO THE FUTURE,
THAT THE CUSTOMER MUST PAY REIMBURSEMENT TO AMERICAN
EXPRESS IF AMERICAN EXPRESS NOTIFIES THEM THAT THE CHECKS
HAVE BEEN CASHED BY SOME UNKNOWN PERSON,
IN SO DOING,
AMERICAN EXPRESS NEVER REFUNDS FOR ANYTHING ANYMORE,
AND BY CONSTANTLY FALSIFYING TO THE CUSTOMER ON ALL
QUESTIONS, CAN END FOR AT LEAST SOME OF THE MORE
NAIVE CUSTOMERS,
ESPECIALLY THE POOR AND ELDERLY,
THAT SOME OF THEM WILL ACTUALLY BELIEVE THE LIES FROM
AMEREX CORPORATION AND THUS PAY AN ADDITIONAL AMOUNT
FOR THE LOST TRAVELERS CHECKS WHICH AMEREX THEN CLAIMS
WERE CASHED BY SOME UNKNOWN INDIVIDUAL THAT THEY CANNOT
TRACE,
THAT WAY AMERICAN EXPRESS STANDS TO EARN DOUBLE THE
AMOUNT ON A GIVEN SET OF TRAVELERS CHECKS
OR AT THE VERY MINIMUM,
NEVER PAY BACK THE MONEY ON THE CHECKS FOR THE ORIGINAL
DECLARED LOSS BY THE CUSTOMER.

THOUSANDS OF CUSTOMERS WITH LOST TRAVELERS CHECKS HAVE
LOST THE MONEY ON THE CHECKS EVEN AFTER FOLLOWING ALL
OF THE REQUESTS AND DEMANDS FROM AMERICAN EXPRESS,
FOR INFORMATION OF ALL KINDS, AND QUITE IRRELEVENT IN
FACT, EXCEPT AS A DELAY TECHNIQUE
TO POSTPOSE
THE REFUND INDEFINITELY
SO THAT CUSTOMERS NEVER GET THE REFUND THEY
ARE ENTITLED TO.


==THEN I STARTED READING THE MAJOR
WEBSITES ABOUT THE NEW MANAGEMENT
THAT TOOK OVER AMERICAN EXPRESS
IN 2010 AND HOW THEY QUICKLY SHUT
DOWN ALL OFFICES IN THE USA AND
EUROPE THAT OFFER HELP WITH LOSS
OF TRAVEL CHECKS AND OTHER CUSTOMER
PROBLEMS.

==I HAVE TO REMAIN IN EUROPE DUE TO
SEVERE ILLNESS AND SPECIAL HEALTH
TREATMENTS HERE AND I HAVE STATED
THAT FACT TO THEM NUMEROUS TIMES
INITIALLY ON THE PHONE CALLS AND
THEN BY EMAIL.

==NOTHING FROM THEM IN MONTHS EXCEPT
ONCE A WEEK THEY SEND THE SAME
AUTOMATED REPLY THAT ONLY STATES:
WE RECEIVED YOUR LATEST EMAIL,
AND WE WILL RESPOND TO IT AS WE
HAVE TIME TO DO SO.

==THUS THEY CONTINUE TO RECEIVE THE
EMAIL BUT REFUSE TO REPLY WITH
ANY PERSONNEL TO OFFICE ANY REASON
OR EXPLANATION AT ALL FOR THE
MONTHS OF DELAY, IT IS NOW MORE
THAN 8 MONTHS.

==IN ADDITION ON READING WHAT THE
NEW MANAGEMENT STARTING IN 2010
HAS CAUSED...NUMEROUS LAWSUITS
BY FEDERAL AGENCIES ON BEHALF
OF CONSUMERS, FOR FRAUDULENT
AND DELIBERATELY DECEPTIVE TACTICS
WITH THEIR MILLIONS OF CUSTOMERS
WORLDWIDE, INCLUDING LARGE FINES
BUT TO NO AVAIL.
THEY PAY THE FINES TO THE AGENCIES
THAT THEY MUST, BUT CONTINUE THE
SAME TACTICS WITH CUSTOMERS,
APPARENTLY AS ONE FINANCIAL EXPERT
COMMENTARY STATES, SINCE THEIR
YEARLY PROFITS EXCEED
$50 BILLION PER YEAR, A FEW MILLION
IN FINES FOR THEM EVERY OTHER YEAR
OF NEW COURT DECISIONS IS PENNIES
ON THE DOLLAR FOR THEM.

==AND THAT IS A SUMMARY AND ALSO VERY
SIMILAR TO THOUSANDS OF OTHERS SINCE
THE NEW MANAGEMENT REMOVED ALL USA
OFFICES AND MOVED THEIR CLAIMS AND
ALL OTHER IMPORTANT MATTERS TO INDIA.
 
Sep 11, 2017
4
4
3
59
#10
Hello Grey,

Sorry to hear about the difficulties you have experienced with AMEX. However, I suggest that you contact the Federal Trade Commission (www.FTC.gov) to document a complaint against the companies that may have attempted to defraud you or refuse to refund the disputed Credit Card Amount. You may have a valid legal complaint under the US Fair Credit and Reporting Act passed by the US Congress.

You have likely realized a central legal problem you now have: how to get a 3rd party contract company's Customer Service Department to take action on your AMEX Credit Card claim since they are not AMEX employees nor are they located in the USA. I have experienced the same problems with eBay outsourcing their Customer Department overseas to the Phillipines where they claim they cannot resolve some sales dispute or technical support issues concerning eBay sales.

The eBay Technical Support Team is now based in India and eBay Customer Service In the Phillipines now claims they have no connection to eBay's Technical Support Department. They claim the Customer Service Department can only forward Tech Support concerns to a general Tech Support email address, cannot guarantee a response, and cannot obtain nor provide any updates regarding any legal disputes or past attempts to contact eBay Technical Support.

Companies such as AMEX or eBay often move Customer Service operations overseas because:
1.) Internet technology allows them to do so more easily,
2.) offshore outsourcing supposedly lowers operations and personnel costs, (this is often disputed!)
3.) sometimes enables some companies such as AMEX to avoid some US Banking Laws & Regulations that usually apply to companies based in the USA,
4.) increases consumer legal costs and reduces consumer incentives to sue an overseas company and may be subject a lawsuit to different laws that apply in a foreign country.

Please note the Trump Administration and Congressional Republicans have taken an anti-consumer position by attempting to close the Federal Bureau of Consumer Protection and have tried to reduce the regulation authority of the Federal Trade Commission to assist consumers like you. Both the FTC and Bureau of Consumer Protection could help you in these matters, but Trump's political appointees are remove these Federal Agencies authority to help consumers like you.

Calling the FTC and filing an "informal" complaint (that means no lawsuit has yet been filed) will show you have made a documented effort to resolve the Credit Card dispute. However, the FTC has been limited by the US Congress to only document consumer complaints and cannot represent individual consumers like you. Because you are over age 70, the "grey" area (no pun intended ;) is the FTC may take more of an interest in your concerns as a "protected" class of individuals based upon age or military service. I suggest that you contact the FTC Consumer Help Line by telephone listed on the website for additional info.

Regards, Steve
Cincinnati, Ohio
 
Sep 19, 2015
1,778
3,035
113
47
#11
Hello Grey,

Sorry to hear about the difficulties you have experienced with AMEX. However, I suggest that you contact the Federal Trade Commission (www.FTC.gov) to document a complaint against the companies that may have attempted to defraud you or refuse to refund the disputed Credit Card Amount. You may have a valid legal complaint under the US Fair Credit and Reporting Act passed by the US Congress.

You have likely realized a central legal problem you now have: how to get a 3rd party contract company's Customer Service Department to take action on your AMEX Credit Card claim since they are not AMEX employees nor are they located in the USA."

Steve Neago this is not a credit card issue, this is about stolen travelers checks and obtaining reimbursement. While there are protections for CC users I am not sure about travelers checks.
 
Apr 3, 2016
61
165
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#12
I do not know if you are US based, but if you are..You start over - forget the phone and use the fax method below...
From the Amex web page... there is a PDF form and a fax number to send it too.
Fill out the form and Keep a record of the fax
https://www.americanexpress.com/us/content/prepaid/travelers-cheques/service-center.html

American Express Travelers Cheques are safer than cash. If they are ever lost or stolen, the funds may be refunded.*

WHAT TO DO IF YOUR CHEQUES ARE LOST OR STOLEN
  • 1. Locate serial numbers Have the serial numbers for your lost or stolen Cheques on hand when you call.
  • 2. Call Call an American Express Travelers Cheque Customer Service Center as soon as possible to report the loss and open a claim. Use the search tool to the right to find the customer service number for your current location. Service Centers handle claims 24 hours a day, 7 days a week.
  • 3. Plan delivery During this call, we will help determine the best way for you to obtain a refund.
  • 4. Or fax in a claim form (from the U.S. only) If you are in the U.S., you can instead download the Refund Claim Form (PDF), complete it, and fax it to 1.800.417.0060. Faxed refund claims, once approved, will be sent in the form of a company check to your home. Please allow 21 business days for the check to arrive.