nfh
Apr 21, 04, 4:29 pm
I ordered something online using my UK-issued Business Green Card. The next day, I got an e-mail from the online retailer telling me that the transaction had been declined by Amex.
I phoned Amex who told me that I had given the retailer the wrong 4-digit security number printed on the card. It turned out that Amex had an incorrect record of the security code, in that they had swapped around the 2nd and 3rd digits on their records. Amex said I should get the retailer to phone them, upon which the transaction would be authorised. Amex said they would credit my account with £10, but they haven't done so yet.
The retailer ended up having to charge me £5.88 extra for Royal Mail Special Delivery so I would receive the goods sooner, which was already going to be two days late because of Amex's error.
I think this kind of blunder is worthy of a free annual fee for a year (which is £37.50). This was obviously human error, but I am surprised that the recording of the security codes is a manual process.
Any comments?
I phoned Amex who told me that I had given the retailer the wrong 4-digit security number printed on the card. It turned out that Amex had an incorrect record of the security code, in that they had swapped around the 2nd and 3rd digits on their records. Amex said I should get the retailer to phone them, upon which the transaction would be authorised. Amex said they would credit my account with £10, but they haven't done so yet.
The retailer ended up having to charge me £5.88 extra for Royal Mail Special Delivery so I would receive the goods sooner, which was already going to be two days late because of Amex's error.
I think this kind of blunder is worthy of a free annual fee for a year (which is £37.50). This was obviously human error, but I am surprised that the recording of the security codes is a manual process.
Any comments?