I got this call a while back. I spend $10k-$15k a month on my SPG business card. All legitimate business purchases for reselling. No problems.

Reading this gave me hope

I just got this call from AmEx from the same #. Opened an Amex Biz Platinum for the 100k. Hit the min spend and then some legitimately. Got a call a month later. Sounded sketchy so I refused to answer any questions. Got onto Amex chat and asked if there was any issues with the account and whether they recognized the #. They said no issues and they did NOT recognize the #. Oh well. We'll see if they close my account?

I got a letter from American Express asking me to call this number. The letter was issued by American Express Identity Protection Team.

I happened to be meeting with the local AMEX business development team today, so I asked him about it. He said the letter looked legit, but always call the number in the back of my card.

So I called, the rep asked for the number on the letter, and said that was not an American Express number. My cards are in good shape.

FYI - I have the Business Blue Plus and the Bonvoy business cards (and a bunch of personal cards). YTD spend on the business cards was about $120k. All legit business spends and no manufacturing spend on money orders, gift cards, etc. Thinking about getting the Business Plat now for the big spend bonus.

US Treasury Department has been cracking whip on all banks, peer to peer transfers, etc... in aid of clamping down on money laundering. PayPal last year began requiring "verified" accounts (linked to a bank account), for anyone wanting to receive funds. https://www.paypal.com/us/smarthelp/...enefits-FAQ734

Know your customer statues have been on books for years, and were beefed up via Patriot Act post 9/11/01. But IIRC Dodd-Frank and or subsequent legislation has upped the ante; as such all banks (and Amex is a bank), along with everyone else is doing more compliance work to cover their behinds I shouldn't wonder.

Internet has made it so easy to conduct business/financial transactions from anywhere to anywhere, but it has opened up huge avenues for fraud, money laundering and other crimes. https://www.justice.gov/usao-sdin/pr...-2000000-fraud

Reaching out to have answers to direct queries creates a record. Someone could give lies in responses, but that isn't Amex's worry.

Got the same call too, same four questions. No idea why, because I don't even do any MS on the card. All 100% legitimate normal spend.

can you give us an idea of what triggered it? ramped up spend past 25k+ in a billing period? what was the type of merchant? many banks like amex keep a list of "high risk" vendors. i know drug stores is one of them.