I received an offer for the American Express Blue Cash Everyday card with $250 rewards if I spend $1000.
Great!
I tried to apply online. Couldn't. It didn't allow employer names with a number. My employer does have a number its name.
Fine.
I mail in the application.
About a week later. I get a call from them.
I call them back and was told that I would get the new credit card soon and this telephone call was a formality.
A day later, I get another call from them. I decided not call back since I thought they may have been "confused".
Then yesterday, I get a letter from them stating
Please provide a letter on original letterhead from your bank confirming your home address, including their title and signature.
This inormation is essential to your personal protection as well as our records.
The grammar in that first sentence is all wrong.
Anyone have this type of hassle for credit card application?
They were the ones to approach me.
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mike143 Posts: 1332 Joined: Thu Feb 02, 2012 7:55 pmPost by mike143 » Sat Apr 13, 2013 10:05 am
Translated from Korean to English.AMEX confused you have the home address verification
Collecting fan, 2012-12-29 19:05:26
Amex before the SPG Personal, Business, Gold Personal, Business had
Financial Review not timely 4506T took closes, sending all four
Amex Hilton back to trying to start a relationship . Is not easy.
Each time you apply and spend whenever 4506T
Home Address Verify'd like me to.
The exact wording
Your home address. Please provide a letter on original letterhead from your bank confirming your home address, including their title and signature. This information is essential to your personal protection as well as our records.
You were put in the same situation you get experience if you have any tips please.
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5 comments
duruduru
Please send me the requirements as I asked just send 'm Drinking jjolji
^ ^ I like adamant throughout by, and I'd like to have a word that is the power;
Jjolji drink ^ ^;'ll send you to send your Amex and must help recover the relationship ^ ^
2012-12-30 03:57:50
It's really no big deal. ^ ^
Goofy jwima! I
Completely easy is that?
Initial check on identity theft prevention are
Download and print one and send the PDF to get internet banking statement, the end!
Gathered fans
I advise for those.
I've been here before, like a cancellation.
Then I went to the Chase, so they do not even know he was worried about that ..
It's really easy if you're statement sending Thank you!
Nothing is free, someone pays. You can't spend your way to financial freedom. Boglenaut Posts: 3527 Joined: Mon Mar 23, 2009 7:41 pmPost by Boglenaut » Sat Apr 13, 2013 10:07 am
So anyone that works for 3M or 1-800-Flowers.com is going to have to go through that?
PS - poor grammar is often a scam tip-off. verify who you are dealing with.
Topic Author ieee488 Posts: 1989 Joined: Thu Dec 10, 2009 7:57 amPost by ieee488 » Sat Apr 13, 2013 10:13 am
There is a self-addressed envelope for me to mail this letter back.
American Express
c/o New Accounts Department
PO Box 31525
Salt Lake City UT 84131-9900
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mhc Posts: 5523 Joined: Mon Apr 04, 2011 10:18 pm Location: NoCoPost by mhc » Sat Apr 13, 2013 10:33 am
ieee488 wrote: There is a self-addressed envelope for me to mail this letter back.
American Express
c/o New Accounts Department
PO Box 31525
Salt Lake City UT 84131-9900
Call American Express. Make sure you are using the real number for Amex, and not some number from the letter you received.
52% TSM, 23% TISM, 24.5% TBM, 0.5% cash Topic Author ieee488 Posts: 1989 Joined: Thu Dec 10, 2009 7:57 amPost by ieee488 » Sat Apr 13, 2013 10:49 am
The letter is legit.
I am just angry that I am being hassled this way.
What annoys me even more is that I call into their toll-free number and they ask me to punch in the last 4 digits of my SSN and my birthdate including the year.
I punch it in, and then the customer service rep promptly asks me for the same information again.
They are not the only company that does this, but it annoys me.
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kitteh Posts: 194 Joined: Fri Mar 15, 2013 12:13 pmPost by kitteh » Sat Apr 13, 2013 11:04 am
ieee488 wrote: What annoys me even more is that I call into their toll-free number and they ask me to punch in the last 4 digits of my SSN and my birthdate including the year.
I punch it in, and then the customer service rep promptly asks me for the same information again.
They are not the only company that does this, but it annoys me.
Why do companies do that? I punch in the &^%T stuff and then they ask me again.
I had an AmEx card, and they annoyed the heck out of me, never again.
jeffyscott Posts: 14093 Joined: Tue Feb 27, 2007 8:12 amPost by jeffyscott » Sat Apr 13, 2013 11:44 am
Boglenaut wrote: So anyone that works for 3M or 1-800-Flowers.com is going to have to go through that?
Unless "Three M" and "One Eight Hundred Flowers" would work . Calm Man Posts: 2917 Joined: Wed Sep 19, 2012 9:35 amPost by Calm Man » Sat Apr 13, 2013 12:51 pm
They are solicitng you as a customer. You don't need this nonsense. Let them get their own letters. I would ignoer it or call them and tell them "I ain't getting no letter".
tfb Posts: 8397 Joined: Mon Feb 19, 2007 4:46 pmPost by tfb » Sat Apr 13, 2013 1:23 pm
ieee488 wrote: The letter is legit.
I am just angry that I am being hassled this way.
It's called an application. You are applying for the card. They are not obligated to issue the card without asking for verification. Maybe the address you put on the application doesn't match what's in your credit report. Imagine if someone else applies with your SSN and a different address. You'd want them to verify the address right? At this point, either you want the card or you don't. If you don't want the card any more, just abandon your application, but don't be angry.
Harry Sit has left the forums. mike143 Posts: 1332 Joined: Thu Feb 02, 2012 7:55 pmPost by mike143 » Sat Apr 13, 2013 3:38 pm
Nothing is free, someone pays. You can't spend your way to financial freedom. Topic Author ieee488 Posts: 1989 Joined: Thu Dec 10, 2009 7:57 amPost by ieee488 » Sat Apr 13, 2013 5:08 pm
Calm Man wrote: They are solicitng you as a customer. You don't need this nonsense. Let them get their own letters. I would ignoer it or call them and tell them "I ain't getting no letter".
I did try to tell no letter, except to talk to them, I had to provide them with the last 4 of my SSN and my birthdate including year both using the dialpad and again when I reached a human.
I said enough was enough and hung up.
ieee488 wrote: The letter is legit.
I am just angry that I am being hassled this way.
It's called an application. You are applying for the card. They are not obligated to issue the card without asking for verification. Maybe the address you put on the application doesn't match what's in your credit report. Imagine if someone else applies with your SSN and a different address. You'd want them to verify the address right? At this point, either you want the card or you don't. If you don't want the card any more, just abandon your application, but don't be angry.
They sent me the application to the address where I live. I did not go after this card.
Since they were offering $250 in rewards, I thought "why not?".
But not going to play their game.
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Calm Man Posts: 2917 Joined: Wed Sep 19, 2012 9:35 amPost by Calm Man » Sat Apr 13, 2013 5:42 pm
ieee488 wrote:Calm Man wrote: They are solicitng you as a customer. You don't need this nonsense. Let them get their own letters. I would ignoer it or call them and tell them "I ain't getting no letter".
I did try to tell no letter, except to talk to them, I had to provide them with the last 4 of my SSN and my birthdate including year both using the dialpad and again when I reached a human.
I said enough was enough and hung up.
ieee488 wrote: The letter is legit.
I am just angry that I am being hassled this way.
It's called an application. You are applying for the card. They are not obligated to issue the card without asking for verification. Maybe the address you put on the application doesn't match what's in your credit report. Imagine if someone else applies with your SSN and a different address. You'd want them to verify the address right? At this point, either you want the card or you don't. If you don't want the card any more, just abandon your application, but don't be angry.
They sent me the application to the address where I live. I did not go after this card.
Since they were offering $250 in rewards, I thought "why not?".
But not going to play their game.
Good for you . You weren't looking for the card. They tried to recruit you and their annoying invasive procedure failed.
SP-diceman Posts: 3968 Joined: Sun Oct 05, 2008 9:17 amPost by SP-diceman » Sat Apr 13, 2013 8:29 pm
jeffyscott wrote:Boglenaut wrote: So anyone that works for 3M or 1-800-Flowers.com is going to have to go through that?
Unless "Three M" and "One Eight Hundred Flowers" would work .Post by Archie Sinclair » Sun Apr 14, 2013 9:53 am
SP-diceman wrote: Minnesota Mining and Manufacturing Company.Post by lwfitzge » Sun Apr 14, 2013 10:14 am
true, they solicited you, it's marketing. However, IMO, it does not mean therefore they are obligated handing over 10''s of thousands of credit without the degree of diligence they require, especially considering what loose credit and lack of care has done to our economy in recent years, and the every increasing risk of credit and personal identity fraud. I've been an Amex customer that has an excellent credit score, long credit history and more than 10 yrs track record of paying full amount monthly w Amex and virtually ever card I've owned. Last year when I started my business and sought a business Amex I admit I was a bit aggravated (given my track record w Amex) that I did not get an automatic approval and had call a number and answer some questions. Apparently, the fact I used my home address as the address for my business (e.g., consulting biz) it automatically triggered a flag. The follow-up phone call and steps was simply a fraud protection mechanism.
Topic Author ieee488 Posts: 1989 Joined: Thu Dec 10, 2009 7:57 amPost by ieee488 » Sun Apr 14, 2013 10:19 am
lwfitzge wrote: true, they solicited you, it's marketing. However, IMO, it does not mean therefore they are obligated handing over 10''s of thousands of credit without the degree of diligence they require, especially considering what loose credit and lack of care has done to our economy in recent years, and the every increasing risk of credit and personal identity fraud. I've been an Amex customer that has an excellent credit score, long credit history and more than 10 yrs track record of paying full amount monthly w Amex and virtually ever card I've owned. Last year when I started my business and sought a business Amex I admit I was a bit aggravated (given my track record w Amex) that I did not get an automatic approval and had call a number and answer some questions. Apparently, the fact I used my home address as the address for my business (e.g., consulting biz) it automatically triggered a flag. The follow-up phone call and steps was simply a fraud protection mechanism.
Whatever floats their boat.
Lack of common sense is what I see in your case considering that you have had a 10+ years with them. You want to justify it as reasonsable, that is your perogative.
If it was me, I'd drop them no questions asked.
I am glad this ridiculous nonsense happened before I got their card.
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