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A NEW THREAD

Discussion in 'Other' started by MK.GRAY, Jan 8, 2018.

  1. MK.GRAY

    Joined:
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    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.
     
    #1
  2. ADM

    ADM

    Joined:
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    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.
     
    #2
  3. Razilo

    Joined:
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    As much as the capital letters may help you read the text, they are hard for others to read and very off putting. I suggest using a magnifier or reading glasses or enlarging the font on your screen if you have problems reading typed text.
     
    #3
  4. Neil

    Neil Moderator
    Staff Member Advocate

    Joined:
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    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.
     
    #4
  5. George M

    Joined:
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    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.
     
    #5
    Last edited: Jan 8, 2018
  6. sas80

    Staff Member Advocate

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    what?
     
    #6
    John Galbraith and AMA like this.
  7. George M

    Joined:
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    I just edited my post to clarify what I meant. It's tough to write coherently after only one cup of coffee in the morning.
     
    #7
  8. Steve Neago

    Joined:
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    #8
  9. sas80

    Staff Member Advocate

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    lol, my 'what?' had nothing to do with your post :)
     
    #9
    AMA and Patina like this.
  10. Steve Neago

    Joined:
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    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
     
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  11. Christina H

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    #11
  12. Razilo

    Joined:
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    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.
     
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