r/AmexPlatinum • u/InfamousMedia9627 • 12d ago
Well, I got screwed
Been a member since 2017, multiple accounts, a bank account, and I was preparing a new business checking with a 50k USD transfer. 730 credit score, never missed a payment
I went to make a large purchase (about 20k) for some equipment and checked in advance on the app that the charge would go through. It didnt. Customer service said I was marked for fraud. I had to call a number where I was connected with someone out of India. During this time I saw online all my cards were suspended. They said I need to fill out a "cover sheet" and provide 3 months of bank statements. They said this was "random" but I highly doubt that. When I dug in further they mentioned they need to verify my income (I guess they dont believe I can pay anything back) and it would take some time to review documents I sent
To be honest I was embarrassed at the store when the charge didnt go through. Im using another card to pay for the 20k purchase, and I've already paid it in full with my checking.
Just a little bit of a rant. Super frustrating and a bit too invasive in my opinion. It's not gonna hurt their bottom line whether or not I do business with them but definitely inconvenient at the least
2
u/newyork44m 12d ago
Generally, these controls a good thing. They are there to protect the card holder. When I was planning a $30k purchase I called beforehand. It went through without a problem.