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News and Events
November 7, 2013
The annual Richey Lecture will be held on Thursday, November 7th at 7pm. Our speaker will be Hazel Markus, Ph.D., a Davis-Brack Professor from Stanford University. Dr. Markus will present "Clash! How to Thrive in the Multicultural World" at the St. Louis Room in the Busch Student Center. The lecture is open to the public.
Lecture Abstract
As the world gets smaller, people with different cultural backgrounds are colliding more than ever before. Everyday tensions between men and women, whites and people of color, richer and poorer people, and people with Eastern and Western heritage undermine productivity and well-being in our schools and workplaces. Although each conflict seems unique, many stem from the same root cause: the clash of independence (people's individual, unique, and in-control side) and interdependence (people's relational, conforming, and adjusting side). Tensions flare when people using their more independent side come into contact with people using their more interdependent side. Drawing on thousands of studies from across the social sciences, business, medicine, and law, our approach explains not only how the independence-interdependence divide can ignite conflict, but also how we can harness these culture clashes for good.
About the Dr. Marjorie H. Richey Lecture
The Dr. Marjorie H. Richey Lecture was established in 1996 by SLU alumna Ann Beatty, Ph.D., CEO of Psychological Associates Inc., in St. Louis. The lectureship honors her mentor, Marjorie Richey, who died in 2005. Richey retired in 1993 after nearly 30 years on the University faculty.
December 6, 2013
A Psychology Department Colloquium will be held on Friday, December 6th at 1pm in BSC 256. Our speaker will be Greg Norman, Ph.D. Assistant Professor from University of Chicago.
April 16, 2014
The Eleventh Annual Psychology Capstone Symposium is on Wednesday, April 16th from 3:30-5:00 in BSC 171. This special event is co-sponsored by the Undergraduate Studies Program and our chapter of Psi Chi, the national honors society in psychology.
The symposium is one way that the Psychology Department celebrates our majors' accomplishments in psychology. You are invited to come to visit with psychology majors presenting posters summarizing their capstone projects. Come see posters created by our students who completed Human Services practica experiences (PSY 487), research projects (PSY 401, PSY 488) and Critical Thinking about Psychology (PSY 490) classes.
Refreshments are provided. Awards recognizing excellent posters will be presented between 5:00 and 5:30 pm in BSC 172-173. We hope to see you there!!
Psi Chi Lecture
The annual Psi Chi Lecture will be Wednesday, April 16, 2014 at 7pm in the Busch Student Center 172-173. Our speaker will be Dan McAdams, Ph.D., Northwestern University. The lecture is open to the public. If you have further questions, you may contact Beth Glauber at (314) 977-2301.


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Gray looks to keep rolling against visiting Nats
Oakland righty to be opposed by Washington's Roark
A's ace Sonny Gray will take the mound in opposition of Washington righty Tanner Roark for an Interleague contest against the Nationals on Saturday evening at the Coliseum.
It will be Gray's first start since being named American League Pitcher of the Month for April, after going 4-1 with a 2.06 ERA and .219 opponents' average in five starts in the month.
"It's about getting guys out and winning games," said Gray. "I have high expectations of myself, and every time I take the mound, it's fun. I love my start day. I look forward to it the whole week."
So do the A's. They're 5-2 this season when Gray starts.
"He goes out and does his thing," said manager Bob Melvin. "The sky is the limit for him. He's come a long way in a short amount of time. He keeps getting better and better."
Gray most recently held the Red Sox to two runs on six hits and two walks with three strikeouts in six innings at Fenway Park, exiting the day with a 1.91 ERA, the second-best mark in the AL.
Dating back to Aug. 31, 2013, the right-hander is 8-2 with a 2.07 ERA spanning 13 starts.
Gray has never faced the Nationals. Similarly, this will be Roark's first time seeing the A's.
"I know they have some power, and I know they have some guys that hit the ball all over the park," said Roark. "Just got to keep your ball down and hit your spots.
"I'm feeling good. Feeling confident."
Roark will be pitching on six days' rest, having last faced the Phillies and struggling, allowing seven runs on as many hits, with one walk and five strikeouts in just four innings. He had not allowed any runs in his previous 15 2/3 innings.
The 27-year-old right-hander has a 4.17 ERA overall. He has made just one other Interleague start in his young career, shutting out the Angels for 7 2/3 innings on April 21.
"This time, I won't be hitting, though. I love to hit," Roark said. "But it's always a challenge when you face a good-hitting team like this, and a good team in general. I like the competition."
Nationals: Williams enjoying return trip to Bay Area
While this might mark Washington's first trip to Oakland, manager Matt Williams knows his way around the Bay Area. Williams started his career in San Francisco in 1987, staying there for 10 seasons.
"It's familiar territory, for sure," Williams said. "I'm excited to be back and excited to be manager of this club. ... We'll be challenged in the next three games, and if we play well, we get a chance. We're going to have to play well to beat them."
Williams also has ties with Oakland's coaching staff. Melvin was his Giants teammate for two seasons, and they also worked together in Arizona.
"He was always a guy that got a lot of respect from his teammates, is all about competition and winning," said Melvin. "He exudes that. We've done quite a few tours together, and a guy that has always had that kind of drive and that winning personality."
A's: Crisp expected to remain out of lineup Saturday
Outfielder Coco Crisp was held out of Friday's series opener, and he is not expected to be available for Saturday's middle matchup, either.
Crisp suffered a neck strain when running into the wall while making a tremendous catch Wednesday, and underwent an MRI on Friday.
Results of the MRI showed "nothing out of the ordinary," Melvin said after the game, "so he's literally day to day."
During Crisp's absence, Craig Gentry will start in center field.
Worth noting
• A's lefty Sean Doolittle has not walked a batter in 17 innings, and has a streak of 29 innings without issuing a walk, dating back to last season. His last walk came Aug. 31, 2013.
• Dating to Aug. 27, 2013, Washington's Rafael Soriano has tossed 25 consecutive scoreless innings, the longest such streak of his career. It's also the longest in the Majors among relievers over that stretch.
Jane Lee is a reporter for MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.

subset: commoncrawl


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2001 Partnership and S Corp Tax Forms and Instructions
- Form 58 - (164kb pdf) - Partnership Return
- Form 58 Instructions - (96kb pdf)
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If you would like us to mail the forms and instructions to you, use our information request form.
A copy of a previously filed state partnership or S corporation income tax return may be obtained by submitting a written request. The request must contain the following:
- Name and current address of partnership or S corporation;
- Partnership or S corporation's federal employer identification number;
- Description of type of tax return (e.g., Form 58);
- Tax year for which copy of return is desired; and,
- Signature of general partner, corporate officer, or other authorized representative. The written request may be mailed to the above address or it may be faxed to (701)328-1942.


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Birthday Club
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*Details: Free UPS ground shipping within the continental US on orders over $150.00 before tax. Some exceptions may apply.
Shipping costs for orders under $150.00 and those shipped to HI and AK will be displayed in checkout. Expedited shipping is available, fees are shown in checkout. Shipping costs to Puerto Rico and international locations will be quoted via email after an order is placed. Details of offer are subject to change.
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Overview | |
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This firm appears in the Who's Who Legal 100 2014
You are currently viewing details for the Grand Cayman, Cayman Islands office of this firm.
Click on the name of a lawyer below to view their profile. Lawyers shaded in blue have professional biographies in one or more practice areas.
To view all Conyers Dill & Pearman lawyers by practice area, click here.
Click on an Office to view Lawyers in that location.
What is the Who's Who Legal 100?
In November 2013, Narinder Hargun in Bermuda and David Lamb in Hong Kong were re-elected co-chairs of Conyers Dill & Pearman; the joint appointment recognising the firm's impressive geographical spread. With offices in Bermuda, the BVI, Cayman Islands, Dubai, Hong Kong, London, Mauritius and Singapore, Conyers Dill & Pearman aims to provide clients seeking offshore legal advice with a seamless service across borders.
Arbitration | 2 | Insolvency & Restructuring | 2 |
Asset Recovery | 3 | Insurance & Reinsurance | 7 |
Aviation | 6 | M&A | 3 |
Banking | 1 | Private Client | 6 |
Commercial Litigation | 4 | Private Funds | 4 |
Construction | 1 | Project Finance | 1 |
Corporate Governance | 2 | ||
The past year also saw the firm engaged in high profile deals including advising on the US$1.18 billion acquisition by the Ontario Teachers' Pension Plan of SeaCube Container Leasing, one of the world's largest container leasing companies, and in Hong Kong, acting as Cayman Islands counsel in the US$3.7 billion privatisation of Focus Media Holding by way of merger. The firm's "depth of talent" in its Bermuda office sees it once again receive the title Bermuda Law Firm of the Year.
Total Listings in WWL | 42 | Established | 1928 |
Home jurisdiction | Bermuda | Total size of firm | Over 500 |
Number of Partners | 44 | Number of offices | 8 |
The firm's insurance sector expertise is "second to none" and lawyers advise insurers on every aspect of their business from incorporation to IPO. Recent activity includes advising on Markel's US$3.13 billion acquisition of Alterra Capital Holdings Limited, pursuant to which Markel sought to consolidate its specialty insurance business on the back of Alterra's reinsurance and large account insurance portfolios. Narinder Hargun is head of the litigation department in Bermuda and specialises in insurance and reinsurance disputes. He is "very active" in arbitration proceedings in the field and peers praise his "deep knowledge" and "sound advice". Robin Mayor heads the Bermuda office's insolvency and restructuring practice. She is "sensational" at handling complex, cross-border reorganisations. David Doyle stands out for his experience in this sector and is considered a "leading authority" on segregated accounts insurance companies. Michael Frith concentrates his practice on insurance regulatory and transactional matters and is "greatly valued" by clients.
Conyers Dill & Pearman has a "well respected" private client and trust practice advising on the laws of Bermuda, BVI and the Cayman Islands. Key names include Alec Anderson and Peter Pearman. Anderson is the global head of the practice and is a "trusted adviser" to clients on the restructuring, modification and variation of trusts. He is also active in trust dispute resolution. Pearman's recent experience includes advising on the impact of new French legislation in relation to Bermuda situs trustees and the trusts of which they act as trustee. He is "great to work with" and "highly creative".
Aviation is a further field in which the firm excels with a strong finance practice. Lawyers at the firm advise on cross-border financings, structured financings, securitisations, aircraft purchases, sale-leasebacks, IPOs and other capital market transactions and sharia-compliant arrangements. Stephen Rossiter is a "solid practitioner" known for his extensive work aircraft finance, leasing and registration. The "talented" Julie McLean advises investment banks, airlines, leasing companies and investment managers on aircraft financings and registrations. Matthew Stocker recently joined the firm and is located in the Cayman Islands office. He is "superb" at aircraft financings and is highly praised by peers and clients alike.
Conyers Dill & Pearman fields a strong private funds team including Robert Briant, head of the BVI office and an "expert" on hedge funds. Bermuda-based Anthony Whaley specialises in the establishment of hedge funds, mutual funds, unit trusts, partnerships and other investment funds.
Further praise goes to Mark Forté who is noted for his commercial litigation, asset recovery and insolvency and restructuring expertise, and Jeffrey Elkinson who specialises in arbitration, commercial litigation and construction. "Star individual" Nigel Meeson QC earns more listings in our research than any other lawyer in the firm; he is recognised for his arbitration, asset recovery, commercial litigation and insurance and reinsurance expertise.
One of the firm's proudest moments of 2013 was seeing the Bermuda office come together to raise over $37,000 to the Bermuda Red Cross in support of the Typhoon Haiyan Appeal. Bermuda is home to a large Filipino community and the firm was proud to be able to contribute in the efforts to provide food, clothing, shelter, first aid and emotional support to those in need.
Conyers Dill & Pearman aims to continue growing organically across all practice areas and jurisdictions, while also reviewing its global presence and efficiency to ensure its clients receive the best service.
It is not possible to buy entry into any Who's Who Legal publication
Nominees have been selected based upon comprehensive, independent survey work with both general counsel and private practice lawyers worldwide. Only specialists who have met independent international research criteria are listed.
© Law Business Research Ltd 1998-2015. All rights reserved.
Company No.: 03281866 - IMPORTANT: Please read our Terms of Use.


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This is my favorite category to film. Filming in the nature is our big passion. Hiking up to a mountain to witness an amazing view or waiting in a field or riverbed for wildlife to greet us just being able to catch all that beauty on camera… that's our breathing space we inhale as much as we can.
Being fairly new to this category I can only say it is addictive capturing movements you can not see with your own eyes makes it special. The movement of clouds, shadows and stars growing plants and waterfalls are only a few I did. I still have a lot to explore and learn so it makes me even more exiting to make more time lapse shorts.
In this category you will find short films most of them are taken at abandoned places. I love the vibes hanging around at ghost town for example, I could almost see the people that used to live there walking around. the history and story about those old buildings,trains etc...always remains a mystery.


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Mohawk Valley Community College
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1101 Sherman Drive Utica NY 13501-5394 PH: 315-792-5573 FX: 315-792-5695 www.mvcc.edu President Dr. Randall J. VanWagoner Athletic Director Gary Broadhurst Athletic Trainer Jennifer Krohn General email firstname.lastname@example.com Region 3 FTE Enrollment 4465 |


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Orlando Magic Online Store
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are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite
number, and/or designs. Some options may be limited by league rules.


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Results 1 to 5 of 185
Thread: A Dugger-esque Game
Hybrid View
March 1st, 2012 08:28 PM #1
A Dugger-esque Game
Okay, here are the rules. You have 19 children! Yay! The catch is, their names follow the Duggar tradition of sharing a first letter with their father. Can you find 19 names you love that start with the same letter as your Significant Other? If you have no significant other, please chose a name you think will be challenging. To determine whether your children are male or female roll the dice http://www.bgfl.org/bgfl/custom/reso...s/dice/six.htm for each child. Even is female, odd is male. I'll go first. My husband's real first name is Clifton, but since he goes by Tyler and has since the day he was born I'll use T.
1. Theodore Steven
2. Tabitha Lorraine
3. Tolliver Eugene
4. Trevor Samuel
5. Tristan Oliver
6. Troy Benjamin
7. Travis Immanuel
8. Temperance Rebecca
9. Tucker Louis
10. Tatiana Melody
11. Tallulah Giselle
12. Tobias James
13. Twyla Michelle
14. Thatcher Sterling
15. Tuesday Harmony
16. Tawny Simone
17. Tivona Juliette
18. Truman Royce
19. Tatum RafaelDS: Laikon Timothy
DD: Faedra Elise
DS: Eion Tyler
Girl: Adelaide, Calixta, Ruby, Ivy, Atalaya, Zinnia, Cambria, Piper, Willow, Harmony, Coraline, Juniper, Temperance, Nova, Aria, Tesla, Ayla, Linden, Athena, Mayla.
Boy: Zane, Ezra, Cyrus, Phoenix, Kellen, Sylas, Leo, Theon, Avory, Eamon, Sawyer, Roan, Kieran, Rhys, Adrian, Tobyn, Jacoby, Felix, Kyler, Desmond.
March 1st, 2012 09:47 PM #3Senior Member
- Join Date
- Sep 2011
- Posts
- 3,934
Well I don't have a significant other but I am crushing on a guy named Jeremy so...
Jemima Alice *Jemma*
Joanna Beatrice *Joey*
Jeremy Curtis *Remy*
Jonah Davis
Jasper Ethan *Jazz*
Jericho Franklin *Ricky*
Johnna Grace
Juliana Haley
Jethro Isaac
Juniper Jane *JJ*
Jodi Katherine
Juno Louise
Jillian Marie *Jill*
Jocelyn Nicole *Josie*
Justina Olive
Jack Peter
Jesse Quentin
Jamison Robert *Jamie*
Jetta Simone
March 1st, 2012 10:15 PM #5
B: William Christopher
G: Wren Juliana
B: Wesley Benjamin *Wes*
G: Waverly Caitlin
B: Wyatt Daniel
G: Winona Grace *Winnie*
B: Walker James
G: Whitley Sarah *Whit*
B: Walter Nicholas
G: Winter Elizabeth
G: Wendy Lauren
B: Wade Lucas
B: Wilder Thomas
G: Wanda Emily
G: Wynne Ava
B: Weldon Matthew
G: Willa Hope
G: Wednesday Rebecca
B: Warner Patrick
March 4th, 2012 07:25 PM #7Member
- Join Date
- Mar 2011
- Posts
- 42
1. Geoffrey Thomas
2. Graham Xavier
3. Grace Elena
4. Gage Isaiah
5. Gillian Fiona
6. Gina Riley
7. Greyson Henry
8. Gabrielle Lauren
9. Giselle Caroline
10. Giulia Mae
11. Gerold Eli
12. Gregory Vaughn
13. Gowan Colby
14. Gordon Wyatt
15. Gloria Quinn
16. Genevieve Sloan
17. Gwenlyn Hazel
18. Giada Annabel
19. Gavin Serena
March 4th, 2012 08:15 PM #9
I, too, don't have an SO so I'll just pick the letter of my crush, too...
DD: Arianne Eleanor Kate "Ari"
DD: Alice Penelope Jane
DS: Avery Leo George
DS: August Jack Felix "Auggie"
DS: Abbott Henry Jude
DS: Adam Julius Charles
DD: Amaya Felicity Claire
DS: Alban Theodore Thomas
DD: Anneliese Sophie Pearl "Annie"
DD: Azalea Poppy Juniper "Zelie"
DS: Alexander Caspian Luc "Zane"
DD: Adele Georgiana Lily "Ella"
DD: Alessia Caroline June "Lacey"
DD: Angelina Daphne Shay "Lena"
DD: Aoife Camille Tess "Evie"
DD: Alouette Nadia Wren "Lola"
DS: Asher Patrick Gray "Ash"
DS: Aidan Daniel Isaiah "Danny"
DD: Agnes Winter SophieAshley
twenty-something namenerd & aspiring novelist
Isabelle + Arianne + Olivia + Violet + Grace + Emmeline + Charlotte + Eva + Catherine + Eleni + Zoe + Adele + Lilian
Caleb + Everett + Grant + Casper + Samuel + Jack + Avery + Rory + Declan + Zane + Schuyler + Rowan + Judah
I've recently started a new story--feel free to come along with me for the journey! havengermany.blogspot.com
Chapter 1 is up!


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Cheap Flights from Boston to Europe
Did You Know?
55% of all flights from Boston, MA to Europe arrive during morning hours.
The shortest nonstop flight between Boston, MA and Europe is 2,388 miles.
13 airlines operate between Boston, MA and Europe.
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There are 18 nonstop flights per week from Boston, MA and Europe on large aircraft.
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In the last 8 days, I have redeemed rewards points for ecerts from American Express. When you redeem for an ecert, you are supposed to have access to the certificated within 3 hours. The 2 most recently purchased took 6 1/2 to 8 1/2 hours to get. When I contacted Customer Service through email, I was contiually told to go to the web site. The only problem is, I told them I had already gone to the web site. Over and over again, I got the same responses, as if there was a bot responding, rather than a real person. It was really frustrating to not have the issue resolved. Finally I called them and requested someone in the United States (which it seems that the American in American Express means we have few people in America), and was transferred to Canada. At least the Canadian understood the problem and understood English. She told me the issue had to be addressed in the US. I finally got to the right person in the US, and my issue was responded to and resolved, but I wanted everyone to see the series of email responses from the email customer support people at AMEX. So how many times do you have to tell the AMEX representative that you have already gone to the web site before they stop telling you to go to the web site?
Response (Michael Anthony) 04/07/2011 05:11 PM
Dear Charles XXXXX:
Thank you for your reply.
Please note that I am responding for Dot Childs who is currently out of the office and I apologized that you are unable to use the Home Depot eGift Card.
Mr. XXXXX, if you would like for us to invalidate the $50.00 Home Depot eGift Card and return the 5,000 Membership Rewards (MR) points to your account, please respond to this e-mail.
As a gesture of good-will, I have issued 2,500 MR points which will reflect on an upcoming statement. Your points available are now 24,332.
I do apologize for any inconvenience this may have caused you.
We appreciate hearing from you and look forward to serving you again in the future.
Sincerely, Michael Anthony Email Servicing Team American Express Interactive Services
Customer (email@example.com) 04/07/2011 04:18 PM
It is there now, but I was unable to use it today, when I wanted to use it. I requested it at 6am, and emailed yo that it was not there at 12:30. That is clearly more than 3 hours to process it. It is not really a reward if I cannot use it when I want to.
Original Message == == == == == == == == == == == == ==
Response (Dot Childs) 04/07/2011 03:09 PM
Hello Charles,
I apologize for the oversight on my part. Our records indicate that the redemption was processed today; therefore the e-certificate will be delivered to your email address within three hours of redemption.
If it has not been delivered within that timeframe, please forward another email to my attention and I will invalidate the certificate and reissue it on your behalf.
I apologize for any inconvenience this may cause.
Dot Childs
Email Servicing Team
American Express Interactive Services
Customer (firstname.lastname@example.com) 04/07/2011 01:33 PM
I tried going there and it is not there. I always check there first. I need it in the next 15 minutes or will not be able to use it today.
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Response (Dot Childs) 04/07/2011 11:27 AM
Hello Charles,
Please note that once you process a redemption for an e-Certificate, am email is sent to you with the code and the certificate has to printed within 90 days of redemption. I apologize if the email was not sent.
Please log in to www.ecerts. Americanexpress.com with your User ID and password and then proceed to open/print certificate.
We value your membership at it was my pleasure to assist you.
Dot Childs
Email Servicing Team
American Express Interactive Services
Customer (firstname.lastname@example.com) 04/07/2011 10:48 AM
I redeemed points for a $50 Home depot ecert and it is not available yet. When will it be available?
Response (Jitendra Punjabi) 04/15/2011 10:46 AM
Dear Charles XXXXX,
I am a manager with the Email Servicing Team. I am sorry for the inconvenience that you experienced.
I understand that you wanted to know when our technical team would contact you to resolve the issue. At this time, we do not have a timeframe by when this issue would be resolved. You can either have us return your points and process the redemption once again, or we can have paper certificates sent to you. Please let me know which option is convenient, and the details of the certificate that you would like us to redeem, and I will be happy to process your request.
Sincerely, Jitendra Punjabi Manager, Email Servicing Team American Express Interactive Services
Customer (email@example.com) 04/15/2011 09:55 AM
Once again, it is clear that you are not reading my messages. I am considering cancelling my AMEX, because the rewards points are becoming too much of a hassle, and no one will actually respond to my issue. If you do not escalate this to a supervisor today, I will start redeeming my points and putting all autopayments I have on a different card.
Download Print
Response (Ritika Malhotra) 04/15/2011 09:23 AM
Dear Charles XXXXX,
I am sorry that you did not receive your Home Depot eGift Cards.
You will be happy to know that I have gone ahead and provided you with the information to redeem the certificates directly. The information is as follows:
Now, you may go ahead and use this information for redeeming the Gift Cards directly.
I hope you find this information useful.
Sincerely, Ritika Malhotra Email Servicing Team American Express Interactive Services
Customer (email@example.com) 04/15/2011 08:10 AM
So when will they contact me?
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Download Print
Response (S. Bandopadhyay) 04/14/2011 12:37 AM
Dear Charles,
I've checked your account and I see your e-certificate for $50 Home Depot.
You should have received the e-certificates within 3 hours.
I would request you to please try once to access the certificate through www.ecerts. Americanexpress.com
You can take print out by clicking "View Certificate" on the following page.
But if this does not work then please contact us. I will return the points and reorder the certificates for you.
I also noticed that the email address provided by you in the order has the second part after "@" in capital letters whereas your email address with us has this in small letters. It is possible that the delay is due to the incorrect email address.
We sincerely regret the inconvenience and hope to resolve this issue to your satisfaction.
We look forward to your reply.
Sincerely, Sumita Bandopadhyay Email Servicing Team American Express Interactive Services
Response (Puja Bishnoi) 04/14/2011 10:43 AM
Dear Charles XXXXX,
I understand that you are not receiving your eGift Cards within the stipulated three hours.
We have forwarded this matter to the concerned department for review.
If the problem still persists, please call American Express Online Services at 1-800-266-7077 (Monday - Friday 9 am-12 am, and Sunday 10 am-6:30 pm EST) for immediate assistance.
If there is any further clarification you want, do write into us. We are always happy to help.
Sincerely, Puja Bishnoi Email Servicing Team American Express Interactive Services
Customer (firstname.lastname@example.com) 04/14/2011 08:48 AM
You clearly are not reading what I am typing, or you do not have a great command of the English language. I never wait on the email. I ALWAYS go to the ecerts web site. Last week it took 8 hours for the ecert to be available on the web site, this week around 6 hours. This has nothing to do with the email notification. This has everything to do with when the ecert is available on the ecert web site.
Since no one seems to understand what I am saying, I am requesting that this issue be escalated to a higher level. I am tired of the canned responses, and would like to discuss it with someone who will actually read the emails and understands the actual issue.
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Response (S. Bandopadhyay) 04/14/2011 12:37 AM
Dear Charles,
I've checked your account and I see your e-certificate for $50 Home Depot.
You should have received the e-certificates within 3 hours.
I would request you to please try once to access the certificate through www.ecerts. Americanexpress.com
You can take print out by clicking "View Certificate" on the following page.
But if this does not work then please contact us. I will return the points and reorder the certificates for you.
I also noticed that the email address provided by you in the order has the second part after "@" in capital letters whereas your email address with us has this in small letters. It is possible that the delay is due to the incorrect email address.
We sincerely regret the inconvenience and hope to resolve this issue to your satisfaction.
We look forward to your reply.
Sumita Bandopadhyay
Email Servicing Team
American Express Interactive Services
Customer (firstname.lastname@example.com) 04/13/2011 06:55 PM
The emails do not go to spam and I do go to the web site to check. The problem is that when you redeem points, it tells you that you will have the ecert within 3 hours, and it is taking much longer to get them than that. I am really starting to get disgusted with the rewards program. You did not even address my issue, you gave me a canned response. I actually expected more from AMEX, but I guess I should not have.
Response (Amit Dhupar) 04/13/2011 06:23 PM
Dear Charles XXXXX,
We are sorry that you were not informed about system problems in delivering e-Gift Cards. To ensure delivery of the e-Gift Card confirmation email, please take a moment to add Americanexpress@ecerts. Americanexpress.com to your Address Book or Safe List.
Also, you can always access your e-Gift Cards information at www.ecerts. Americanexpress.com. When you redeem points for e-Gift Cards, the information is automatically updated at above mentioned link.
I hope the information is useful.
Sincerely, Amit Dhupar Email Servicing Team American Express Interactive Services
Customer (firstname.lastname@example.com) 04/13/2011 03:40 PM
Same problem today. What is going on with the ecerts? I am about to go to Home Depot and the one I redeemed points for over 3 hours ago is still not available! They are supposed to be available in 3 hours.
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To whom it may concern at American Express,
I am writing to express my disappointment and frustration with the American Express company and its poor business practices for small businesses that work diligently to follow the rules and pay on time only to be disregarded as insignificant to American Express. Below is my story which I am sure will not matter even to the reader of this letter yet I believe change never takes place until people make their voices heard.
Our small business opened an account with American Express in September 2007. We also opened a merchant account for accepting American Express in January of 2008. Excited to be able to take Advantage of no limit, no interest and additional rewards for our small business purchases from our vendors we began using the card. The card was a no limit card (Gold and balance must be paid in full each month) or so we were told but quickly found out that there is in fact a type of limit. Understanding that in a struggling economy it is important for lenders to be cautious we worked within the limits of American Express and policies. We had spent over $10,000 in a single month and paid each bill in full and on time to establish our creditworthiness with American Express like we do with every lender. Our name is important to our business and we work diligently to keep a good name.
April 2009 we tried to use our card with a vendor with whom we do a lot of business and had always used American Express to pay this vendor (which of course costs our vendor more due to the higher merchant fees charged by American Express). The amount was about $9,000 and we had no reason to believe this would be issue since we had spent as much as $10,000 in a single month less than a year ago and had always paid our balance in full and on time. The card was declined. We contacted American Express to find out why it was declined. Long story short and a few phone calls later we were told that due to the last six months spending pattern they would not approve the charge. We explained that our business was at its peak in the summer and is when the larger charges would be made but were told too bad. We were told to increase our spending in order to increase our spending pattern. The following day our vendor ran the card again (we had not contacted them to tell them to wait for a different credit card from us) and oddly the charge was approved. This restored our confidence in American Express and its willingness to work with small businesses. This of course was temporary due to the rest of the story that follows.
June 2009 another invoice from the same vendor was due in the amount of approximately $8,400. Since we had paid our balances again on time we had no reason to believe this would be issue. Once again and with much embarrassment the card was declined. Primary card member (name with held for privacy) then got online and made a $4,000 early payment in good faith to American Express and then placed a call to have the charge approved from our vendor. We were told that American Express had placed a limit on the account that day for $3,400 though the balance on the card at the time was $8,000 of which a $4,000 early payment had been made. The representative explained that due to other account balances and negative statements which appeared on our Experian credit report they determined to place a limit on the card that day. We check our credit reports daily and there were no negative comments or delinquencies. HOWEVER $20,000 of debt had been paid off in the past 30-40 days (because we value our good name and credit) due to the increase in our business not to mention no delinquencies reported in many years on any credit report. American Express did not care to review or work with our small business in a timely fashion. They claimed that there was nothing that could be done.
We removed American Express as a payment option for our customers the minute your company made it clear that our business did not matter. Not only will you lose the high merchant fees paid to you by our vendors when we used your card you will no longer receive merchant fees from our sales as we are no longer willing to accept your card.
These are the reasons I am writing to express my deep disappointment and extreme frustration with a credit card company that claims to be on the side of small business yet I find the practices of American Express to speak quite the contrary.
We accepted American Express as merchants from our customers though you charge the highest merchant fees and take the longest to pay the merchants. Visa, MasterCard and Discover all pay the following business day. American Express as long a week may pass before the money is released into the small business personâs account. For small business this creates real frustration and is truly a hindrance financially to accept this card. This is not beneficial to small business in any way. Higher merchant fees and slow pay to the business does not give small business many reasons to accept your card from customers.
Now add to that the lousy treatment of the small business cardholder that is told no limit but this is in fact a lie even for those small businesses that pay balances in full and on time every time. Punished on both sides by American Express has left a bad taste in the mouth of this small business. Realizing of course that as a small business we are not even a blip on your radar or bait in this large ocean of business we have made the decision to no longer do business with American Express.
Apparently spending over $100,000 in a little over a year and half though always paid on time and accepting your outrageous merchant fees and slow pay practices and being charged $170 to even have a card counts for nothing. This makes the taste of doing business with American Express bitter and it will no longer be tolerated by our small business. Punishing the people and businesses that do the right thing and pay on time is not smart business practice in this fragile economy.
We are a very small business aware of how little our business matters to American Express however I wonder how much of American Expressâ business is made up of small business and how much will be lost due to these pathetic practices. I always wondered why so many small business owners did not want to accept American Express but the picture is becoming quite clear to me.
The company does not care about the Little Joes that make up a sizable amount of the economy and rather than work with small business or loyal members they prefer to disregard them. A terrible mistake because as our small business grows and it is growing, American Express will not be benefiting from our growth. If you donât treat us well while we are small then you wonât have our business when we are big.
Trust me that these events are likely to keep us from ever accepting your card as a merchant or using your card as a cardholder. I hope other small businesses do the same once I share my story with them since I am sure you will never share this story on any of your expensive commercials that we as merchants and cardholders pay to view.
After my experiences I did a bit of research online (check www.my3cents.com) for American Express reviews and found that my story is very similar to the stories of multiple disgruntled card members and merchants. It is pathetic the way American Express has treated loyal customers with histories much longer than our own history with your company.
If American Express is planning to ask for bailout money as so many other irresponsible companies are doing then I assure you the voices of current and former digruntled customers and merchants will be heard screaming "DO NOT BAIL OUT AMERICAN EXPRESS"! Why would taxpayers want to bail out a company that treats customers that pay on time as poorly as you have treated us and many other people?
You may wish to consider changing the name of your company from American Express to American Depress which is what you are doing to every small business owner and loyal card member out thereby charging higher merchant fees; delaying payment, changing credit limits without notification and restricting cardholders which pay on time. America is a country of freedom and choice and you have chosen to mistreat and disregard our business and other small business owners and loyal members and the same courtesy will be extended to you.
Another disappointed cardholder & merchant,
(Names have been removed for privacy)
If you think they treat customers bad, you should know how they treat their employees. I currently work in customer service for American Express and wanted to let you all know how unfair they are to their own employees.
There's a million things I could share, but the one that stands out most is how they grade our performance. There are only two pieces of information they use when determining if you do your job well. These pieces of information decide whether you stay or go, whether you get a bonus or not and whether you will ever be promoted to something above phone representative
When a customer calls in, they will receive an email survey on how the experience was and if they would recommend American Express to their friends. The survey's results are broken down into two parts: customer service and "refer to a friend". Under customer service, the customer grades the call on a scale from Poor to Excellent with things like Very Good and Fair in-between. If we do not get an excellent, our stats drop. Period. It matters not what is said in the comments. Only an excellent increases our stats and anything less, hurts our stats.
Next, the customer decides if they would refer a friend to American Express on a scale from 1-10, 10 meaning they would absolutely refer AMEX to a friend. If we do not get a 10, our stats drop. Period. It matters not what is said in the comments. Only 10's increase our stats and anything less, hurts our stats. Now, you should know that THIS is the part of the survey that affects our stats more because it's weighted more. Refer to a friend score is like 60% and customer service is 40%.
Now, here's where it gets interesting. The customer gets to write in comments all over the survey, anything they want about their experience or AMEX in general. Often times, I will get a survey come back that will be a "Very Good, 8" for example. Now, mind you this result actually brings my stats down. Then I will read the comments and they will say, "Customer service representative was very polite and helpful. My problem is not with her. AMEX voice response system is too confusing and it takes forever to get to a live person. Also, I don't go around recommending credit card companies to my friends." Oh, wonderful. Thank you so much for saying kind things about me, but giving me an 8 on refer to friend instead of 10. You have no idea Mr. Customer, that because of you, I will not be receiving a bonus and I may not get that position I've been eyeing in project management. Customer's also use this survey to complain about things that have happened to them in the past or on a previous call. They will even specifically say in the comments something like, "This is not about THIS call, but last month I tried to pay my bill online and your website gave me an error message...etc. I'm sick of your website giving me problems" Management doesn't look at those comments, they only care about the NUMBER we were given. In fact, EVERY SINGLE one of my surveys I have ever received that were less than Excellent/10, specifically stated in the comments that I was wonderful. I was pleasant, knowledgeable, helpful, polite..etc. However, the comments will go on to complain about an AMEX POLICY or the way our statements are printed. Or our voice response system. Or our website. Or that AMEX won't waive a late fee (which, by the way we reps don't decide. We don't make the decision to waive or not. We run your request though a web "tool" and either get approved or denied. Period. We don't get to determine on our own if we feel a waiver is justified regardless of your circumstance)....ANYWAY bottom line is these are things that are out of our control as reps. Yet, we still get punished for them. Now, I realize customers don't know this. They have no idea that what they score is a direct reflection on THAT representative and that representative alone. I feel bad for customers because if most of them knew this, they would grade reps (well at lease ME), perfect and then use the comments to rant because the comments don't affect my scores. That way, they could get their message across, but not hurt the representative they just spoke to who was wonderful and did her best. What ends up happening is a lot of reps will say or do ANYTHING to get a good score. Meaning, they will say things the customer wants to hear knowing full well it can't be done because all we care about is what number you will put on that survey you get tomorrow. If you call back later because you were told something that wasn't true, what does the representative care?, he got his Excellent/10 out of you already. See, AMEX has put us reps between a rock and a hard place. We are forced to look out for ourselves and not the customer. It's a shame because I am damn good at my job. I've been in customer service for many years and treat people kindly and always sympathize with them. I am well spoken and polite. Customers love me. They do not love AMEX though and AMEX has found a way to make this MY fault and MY problem. For those of you who truly had a nasty rep, I am sorry. Those people deserve the Poor/1's you give them. I do not however. I have personally known reps that have been let go because their scores were too low. Each of these reps have had wonderful phone skills, always spoke gently and politely and truly cared. Unfortunately, the luck of the draw was too many customers chose to take out their frustrations about AMEX policies on those rep's surveys. It not the customer's fault. Like I said many reps can be nasty and deserve those scores. MY customers who liked ME, but not something about AMEX and their policies had no idea when they chose to give the call an 8 or 9 or 1 or 2 or whatever... that it would hurt only me. Me personally. Me and only me.
They have set us reps up to fail by their stupid policies and money hungry ways. They know full well that the surveys should be an honest place for customer's to express their disappointments with THEM as a company, but they chose to put it on ONE rep's shoulders, even if it is clear the venting is not about how that one representative treated that customer or handled the call. They've done this so they have an excuse not to pay us well or promote us. Sad. I'm looking for a job more suited to reward me for treating people with kindness and respect, which is what I am good at and passionate about.
I really am sorry for all of you who have had terrible experience with customer service. You deserve better. And so do I.
August 9, 2009
To: Chief Executive Officer Kenneth Chenault, American Express
Executive Offices â¨American Express Company â¨
200 Vesey Streetâ¨
New York, New York 10285â¨
From: American Express member since 2002
Gold Business Account
Platinum Account
RE: This is a letter seeking redress of our $40,000 credit limit reduced to $6,000. Please read our letter and we await your timely response.
Time to leave home without American Express!
As long time customers of American Express let us share our frustration and disappointment in the way this company has been treating us and indeed many card members during this past year. Our cascading grief is over American Express reduction of our credit limits, and raising credit card interest rates. American Express is reacting to the financial crisis out of fear. The financial damage to American Express will be long lasting and far-reaching.
Let us give you a little history as to what type of customers we have been. Our payments are always on time to all our creditors. Our story is like so many other card members. We have two open accounts with American Express. We have been members for seven years, perfect credit with long established payment history, FICO scores over 800 but only Amex has tampered with our credit limits. Only Amex has seen this pressing need to reduce our credit limits. We called Costco and took off the auto renewal for Amex, we no longer want American Express to continue any further unilateral credit damage to our pristine credit portfolio. American Express can no longer be trusted with our credit. We have stayed the course but American Express has run into the economic ditch!
We have called several times, talked to numerous staff, those who survived, faxed our request with supporting documentation and now we are writing to you for redress. In the past it was a punishment to raise interest rates for those who could not pay their debt on time. Is this our reward for being loyal card members with established credit histories, to raise our interest rates for paying our debt on time? We suggest, just as American Express looks ever so closely at our credit worthiness, we look to the executive board and CEO for leadership worthiness!
These actions take us back to a time where perhaps Pony Express might be a better company name. American Express is in total freefall. American Express is failing to provide customer service with a total disregard for ethics and indifference to the many card members. It seems we are going back in time with Pony American Express. â¨
We just recently read of American Express filing a lawsuit against the infamous Courtney Love. Legal papers showed the rocker owes $352,059.67 in unpaid charges and fees on her Amex Gold Card which has since been suspended by the company.
So let us understand, American Express trusted a well-known drug addict, notorious for her litigation in not paying bills and American Express extended credit on a gold card for $350,000 but Amex cannot restore our previous credit limit of $40,000? We pay all our bills on time, never been late on any of our payments and we are not drug addicts, in fact we do not even use drugs, not even the good kind!
American Express will never need to file litigation against us but we know so many who want to file a class action lawsuit against American Express.
We jumped through the languishing morass of the many hoops of fire and sent in our full credit report, tax returns and listed assets along with an overall financial statement.
We are writing to inform you that, after reviewing your letter of August 2009 denying us our credit increase, with obfuscated contrived reasons we will not accept this treatment from American Express.
We are financially solid and have not changed, we are not sure the same can be said of the financial hemorrhaging of American Express that will hold another round of layoffs, after cutting 7,000 jobs in October 2008, decimating its work force along with frozen salaries and good luck with that Courtney Love lawsuit. It was sadly, no surprise, when we read your computer-generated letter of indifference. The famous words of Thomas Jefferson rang so true "Banking establishments are more dangerous than standing armies."
In July of 2009, American Express itself stated second-quarter net income came in at $337 million, down 48% from 2008 when the company made $653 million. This net income attributable to common shareholders was only 9 cents a share, down from 56 cents a share in the year-ago quarter, according to the company.
At the same time net write-offs for the company were 10% of total loans in American Express's U.S. card-services business in the second quarter. Loans that were at least 30 days delinquent represented 4.4% of total loans in the latest period, up from 3.3% a year earlier. We do read the Wall Street Journal.
Yet with all this bad news, there was one bright spot as stated by the financial leader of American Express, Chief Executive Kenneth Chenault:
"The number of card members who are falling behind in their payments, the volume of bankruptcy filings and the level of loan write-offs were better than we had expected."
"If these trends continue, we expect U.S. lending write-off rates on a managed basis to be below 10% for the second half of the year, which is lower than the outlook we offered earlier this year," Mr. Chenault added.
Yet American Express continues to punish us, the good card members, why? Is it out of fear that we might increase the financial bloodletting? I do not think you need our help for that! May I suggest a bold new direction, take care of the customer first and the bottom line will follow!
American Express appears, as a company, to be in poor financial shape, and undercapitalized. Since we take our financial life seriously, we cannot be associated with a financial company that manages to loose so many employees, assets and runs its own affairs so poorly.
We are not proud of our American Express relationship, are you proud of your leadership? In addition, American Express has too many bad reviews within the consumer community, and your overall rating on every consumer site, is a very poor rating.
I looked, in vain, for a POSITIVE review of your company from any person or news source, and could not find even one except for the mysterious award from JD Powers. Even JD Powers would not return my calls when I asked them to define further what criteria they used to base American Express only award of "good customer service."
This recession will not last forever. When it is over, and people choose the few credit cards they are willing to use, there will be fewer companies and cards to choose from. The ones who will survive are the ones who realize that the only thing that keeps a credit card company afloat are customers who accept a card, use it, and pay their bills. The companies who will be in business then are the ones who take care of that good group of people today. You are clearly NOT taking care of your good customers today, so I don't expect you to be in business then.
American Express has raised our interest rates on not only new purchases but on all existing balances. In fact when Congress passed the Credit Card Reform Act, this is exactly what they wanted to prevent Credit Card Companies from doing.
We also found this very interesting from Financial News USA. WASHINGTON (AP) -- American Express Co. spent $710,000 lobbying the federal government in the second quarter on legislation touching on an array of financial issues, a recent disclosure report shows. The article continues with American Express lobbied lawmakers on legislation related to credit card fees and practices, data security and consumer privacy.â¨
American Express also lobbied in the April-June period on consumer bankruptcy, advertising and taxes.⨠Beside Congress, the company lobbied the Federal Reserve, Treasury Department, Office of Thrift Supervision, Office of the Comptroller of the Currency, Internal Revenue Service and Executive Office of the President, according to the report filed July 20 with the House clerk's office.â¨The $710,000 spent by American Express in the second quarter compares with $830,000 in the first quarter, and nearly $1.1 million in the year-ago period. We were amazed to find American Express on the fast track to being granted banking status in just a 30 day period. This usually takes much longer. Of course with this banking status, the company gained over 3 billion in TARP funds.
It was not so nice for American Express to get credit but deny the card members credit.
Our final question, was the $710,000 well spent for the persuasion of influence in Washington DC? While your company is losing funding, market share, customers, bad debt write offs, against a backdrop of massive company layoffs and your increasing salary of over 42 million with a base salary, cash bonus, stock and other options was it all worth it? Just curious!
So Mr. Kenneth Chenault can you redress this issue with our credit limit or do we need to hold American Express accountable in the court of public opinion? The choice is yours.
Waiting your reply,
I am 49 years old. I have had American Express accounts and accepted them in my businesses since I was 20 years old. I have been an entrepreneur my whole life. Often I also held a six figure job as well. Two years ago, many banks panicked and started slashing credit lines. This really hurt my business a lot. I wound up with a lot of debt and customers that had no way to pay me because their credit cards were cut off, and their clients credit was cut off.
The government pretends like the Banks didn't screw businesses over, but in fact they did. The banks screwed small business to the hilt, and they screwed the consumers to the maximum as well. This left American Express one of the few accounts open that I could use. Charging on average about $2,000 per month in all business expenses, and paying in full each month. In early June 2010. I got a call from American Express demanding I pay my bill immediately. The statement had not even gone out from them yet and was not due for 20 days but they demanded I pay right there on the spot. I refused as that defeats the whole purpose of using the card.
So, American Express turned my charging privileges off. Why would they do that, when I had never been late, and the payment was not even due?? This in turn cause me to have to pay things in cash which caused problems for my business. I then had to put other people off or try to collect debts early from my clients. Some of them got angry and canceled their contracts with me! After paying my statement balance American Express removed the hold and some automatic transactions when through. They then called me demanding payment again before the statement went out again. I explained that I would make a payment by the due date as I always did. I made a payment and 2 days later was hit by a car which made my life a painful hell. At the same time, American Express illegally processed an ACH bank draft to my personal checking account which I did not authorize, resulting in a credit balance to my account. This in turn over drafted my personal checking account, because it only had a few hundred dollars in it. That ruined a 15 year pristine history with my bank. It also resulted in hundreds of dollars in bank fees and cost me about 150 hour of hell writing letters, sitting on the phone, in bank offices, etc... all the while in terrible pain from my injuries.
When I called American Express they said they would fix this problem and pay my bank fees. They didn't... after my second call a week later they left me a voice message saying they were just going to keep the money! So I had to file complaints with the Federal Reserve to get my bank to reverse the illegal ACH draft from American Express. It took 31 days for them to do that. So American Express had the use of someone's money for over 31 days... more than a full billing cycle - and they did not pay anyone for the use of that money. On the other hand, I had to pay very very very severely for American Express to use that money.
Finally when the illegal transaction gets reversed, American Express does still not honor it's word. It does not reimburse me for the fees or the hell I went through. Just as a statement arrives showing the 31 days with a credit balance, American Express goons start calling me and threatening me that my account is past due. How could it possibly be past due when they had the use of someone's money for 31 days and my statement showed a credit balance? But they didn't stop there... Even though I immediately sent them 1/3 of a payment BEFORE the next statement came, they had already turned me over to a collection agency!!! When the statement did arrive it did not show my credit from the previous month applied to the balance, it did not show the payment that I had made, instead it showed a jacked up balance with highly inflated fees attached.
Now, I already had a dispute running about American Express with the Attorney General's office. They wrote a letter filled with Lies to the Attorney General and made it seem like they were the good guys. At the very same time they wrote this pile of dung to the Attorney General - they then turn my account over to a collection agency! They did this while the current statement was still in the mail!! It had not even arrived to me yet, and they had already turned it over to collections.
American Express is an evil company headed by the very swine of this world. The kind of people that need a noose around their neck. As Humans we have the right to life, liberty and the pursuit of happiness. American Express are the demons from hell that want to squeeze the life out of you, crush your liberties and destroy your happiness. Wicked slime that should be spit roasted in an open flame.
Just like a lot of the bad reviews American Express has been getting. We experienced the same thing today. We've been excellent customers for about 10 years now that is why we have the Platinum card. Never late on payments and paid off all charges every time we use this card.
In June 2009, they sent us a letter telling us that "Given the difficult economic environment ... we have had to make the difficult decision to lover your credit limit . . . to $3,300 (from a credit limit of $20,800). I still used this card for groceries and gas at Costco because this is the only credit card Costco accepts. We continued to be good customers and paid it off the entire amount due each month long before the due dates.
Lo and behold today while trying to pay for my Costco purchase, my AMEX card purchase was denied! Fortunately, I had cash on hand to pay for it. I called AMEX right away when I got home and they told me they decided to close our account today and they can only talk to my husband about it since he's the primary holder in our account. My husband couldn't believe it. He said he just used it this morning to buy gas at Costco.
He called AMEX and all they can say is that we have too many revolving credit in our account. It doesn't even matter to them that we have a good track record with them and no late payments with all our other credit cards. They said they have the right to close our account at anytime.
What awful business practice! They don't care about their customers at all. I'm only glad that I found out about it because we have several bills we do automatic payments each month through AMEX. Thankfuly none of them were due today!
The only thing that worried me is that this card is linked to our DELTA miles account and at this time we have over 357,000 miles to use for travel. I called DELTA to ask about our miles and thankfully they said it is safe and AMEX can't touch it! Thank you DELTA!
Is this practice even legal? I wish there would be an aggressive lawyer out there who would put together a class action lawsuit against AMEX! Count me in!
Now I understand why AMEX is not accepted in a lot of countries. We have travelled to EUROPE and ASIA and tried to use it, but even the well established places we went to didn't accept AMEX. No wonder VISA is the most widely used card in the world. They treat their customers well and they have good customer service people who are actually in the USA (not INDIA) who knows what we're talking about!
CHARLOTTE, VERMONT -- It is no small wonder American Express Company is looking for bail-out $$... they treat their loyal and good-paying customers like criminals!
My husband went to pay something with our Amex card, and it was declined...strange the bill had just been paid in full! When we got home I called to make sure there wasn't some kind of fraudulent activity or whatever, and to my shock and dismay was told our account had been cancelled on January 10th....the day after they processed the full balance of our statement's payment! They said there were problems with my credit report from Experian, and that my OTHER credit card balances were too high...
I called back this morning and was told there were "negative impacts" on my credit report, high balances, delinquent accounts, and "too many credit inquiries"--3 in the last 30 days.
I called Experian. They were incredulous! Turns out 2 out of the 3 "inquiries" were THEIRS, and this is very routine for credit card companies. There are NO negatives in my report, ALL of my accounts are in "Good Standing" (no great surprise since I have never been late on a payment, and always pay more than the minimum balance). They could not fathom what bone American Express would have to pick with it.
So where does that leave someone other than in an embarrassing situation of having a card declined for NO GOOD REASON, and be unable to get a straight answer out of the customer service people... who told me I could "reapply after I fixed the (nonexistent) problems!! Yea right. To boot they now will not pay me the $250 cash back reward to use at Costco because my account is cancelled! Sounds a might fishy to me.....
Needless to say I will certainly NEVER use one of their cards again.
I've been enrolled in this Premier rewards card for five months, attracted by that opening card bonus of 50000 points. What a fool I was. Yes, I got those points but haven't used them yet(to tell you what, use them immediately once you get it or you'll never be able to) This month, I got an email saying there's a security issue with my card and they need me to contact them immediately. I gave them a call and they put me through a bothering process to verify my identity with BOA, however, the moment I finished that, the girl on the other side told me: oh, your identity is still not verified, another team will contact you for that." Why, then why did you make me contact my banker of BOA and go through this process? They refused to tell you the reason. Fine, I have patience. Let's see. The other day, I got another email saying exactly the same thing as if I had never called them. So I called them again and this time they need me to verify another bank relationship, ok! I gave them Citi bank. The Citi bank lady was very nice to help me go through the process and thanked me for being a loyal and nice member. HOWEVER, the AMEX lady was not satisfied. She told me she still can't verify my identity and need me to find my bankers and get their signature. DAMN YOU! Then why did you let me go through the whole process, I only have one hour lunch break and there was no time left for me to have lunch with all of you bullshit. Not to mention both banks proved all my info correct. COME ON, I AM A REAL PERSON! And again they refuse to tell me what the security issue is and why with two banks' guarantee, I'm still not a trustworthy person!
Also, it's not long since I got those bonus points, so I wonder if they just want me to cancel the card so they get all my money for their purpose and don't have to give me the bonus. And the bank statement is a total mess. I paid in full but the amount I paid somehow becomes what I own them, so what is showed on their website is I need to pay twice the amount of money as before. I'm SPEECHLESS. I've never had this awful experience with any bank in the world. I decide to cancel this card and never use AMEX again, they really know how to piss people off.
TAMPA, FLORIDA -- This is how the story goes, I've been a AMEX member since 1996, always paying the full balance when due, always!!!, but, I decided to get their Costco AMEX because it made it easy for me to shop there, within a month and a half of having this particular Amex, they notified me that my account was being cancelled (note I had never ever been late) and gave me too many reasons to list, so trying to make sense of it all, I called them to no avail, they said they would not re-instate the account.
So I continued to make my payments on time as always, until March of this year when I decided I did not want any more debt and paid the balance in FULL, even a little more so that it would take care of any interest the account could have accrued.
To my surprise and being sure I did not owe them a penny, I checked my account online, did not see any balance, so I dismissed the following statements (April), until a week ago I get a notification from a credit bureau letting me know that an account had reported me delinquent, somehow, I knew, that it had to be American Express, so I got online and checked my account, and sure enough, there was a balance of $3.96, past due, called them and they took care of it, denying they were the ones who had reported me late and therefor delinquent, I just received a copy of my credit report, and what do I find out? that American Express, not only had reported my delinquent for $3.96, but that my cancelled account had been sent to the collections department, (something they still deny),
I tried to have them help me fix the situation with the credit bureau, and their answer was: since my account had been closed by them, that I would have to take care of it on my own.
Once you are not a "member" anymore, you've fallen out of grace with them and you are treated poorly, sad but true story.
There is no option for online feedback in open forum on Amex in Singapore. So, I decided to go global. Amex customer service called me to remind me of a payment I missed and told me my card will be unsuspended if it was done. I did the payment and called them and the agent on the phone told me it was available for use in 15 mins. When I tried to put through an online transaction, I was told the card could not process. Another call to Amex and was told my card is in credit management? I was informed that they will follow up after the weekend. I did missed a couple of calls on Monday but the callers did not leave a voicemail. As there was no follow up, I assumed card problem resolved. Today is Tuesday and card still unavailable for use.
My gripe is: customer service told me all was good upon payment and after payment, I get informed that card still unavailable for use. Just one missed payment and Amex cancels account? Then why the lies to tell me my account was good to go upon payment? Why was there no follow up?
I have not received such bad service from Amex. Many friends told me that Amex is horrible but I didn't believe. Now it makes sense.


text:
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text:
SCons processes the commands in the SConstruct in order as they appear. These commands build a DependencyTree. The dependency tree contains NodeObjects that correspond to some sort of object to be built. Which Nodes to build in the dependency tree is determined by the command line arguments given by the user.
We now have a family of trees (a forest) that represent the topmost files to build. All of the files that are out of date are built. This process recurses to ensure all subsequent Nodes are built as needed.
The following is pseudo code for the overall process that SCons follows:
Read SConstruct as a Python script: # Default Environment object is created. # Tools do their checks and modify the Environment object. # Regular Python code is executed as usual. # SConscript() calls cause referenced SConscript files to be # read/executed immediately. # Methods of Environment object are used to update the dependency # tree and manipulate SCons state. # After the file is read, we have: # a global dependency tree of the entire system, # consisting of a tree of Node objects. A Node is usually a # filesystem object, but can be an Alias or a Value node. # Each Node contains: # - a pointer to the corresponding Environment object # - a command to execute to build that node, # - a list of dependencies. # Note the dependency tree may not be complete at this point; # for example, source files which are generated as part of the build # will be scanned for more dependencies before building the targets that depend on them. command line arguments are "expanded" into a list of Nodes that we want built # if the argument is a file, then a single file is built # if the argument is a directory, then everything within that directory is built # if an argument is an Alias, then everything the Alias names is built # There are also default targets; ones specified with Default() and -u/-U and if nothing else, '.'. if there is nothing to build, we're done foreach Node: recursively build all of its dependencies check source dependencies for the Node # check the .sconsign file # use MD5 or signature method if out of date, or MD5 mismatch build the target using its associated command(s) and Environment # The commands in the Node do the actual work in the build phase, # normally by expanding an Env variable and passing it to a shell.
Categories of Commands
The commands you can use in the SConstruct or SConscript files can be categorized in by their intent:
- Node Commands
- Actions
- Admin/Bookkeeping Commands
A complete reference of commands in on the Man page.
Node Commands
These commands are used to create Nodes. They all return a Node or a list of Nodes.
Nodes are created by:
- building a target
- naming an existing target
- specifying a pseudo target
- composition of other existing targets
These commands actually build stuff. They can affect files and directories on the file-system. Note they only define how to build, but don't actually do anything (i.e. on the filesystem) at the time they are called. The actual building is only done if the target is part of the final target Node list (see the process above).
File system... |
a node representing a directory |
a node representing a file |
Pseudo targets... |
creates one or more phony targets that expand to one or more other targets |
creates a node based on a string. If the string changes then the Value node is "out of date" |
Common build objects |
build an executable from one or more object files, or C, C++, D or Fortran source files |
builds a library file; .a in POSIX or .lib in Win32 |
StaticObject() or Object() |
builds an object file; .o in POSIX or .obj in Win32 |
builds a shared library; a .so on Posix, a .dll in Win32 |
Win32 specific |
generates MS Visual Studio project (.vcproj and .sln) files |
build an MS Visual C++ resource .res file from a .rc file |
builds Win32 type library .tlb from an input .idl file |
Java specific |
builds a java class file |
builds a C header and source file for building Java native methods |
builds stub and skeleton files for remote objects from Java .class files |
lex/yacc specific |
builds a C source file given a lex or yacc input file |
builds a C++ source file given a lex or yacc input file |
Moc specific |
builds an output file from an M4 input file |
builds an output file from an moc input file |
builds a header, an implemenation and a moc file from a .ui file |
documentation specific |
builds a .dvi file |
builds a .pdf file from a .dvi, .tex, .ltx or .latex input file |
builds a .ps from a .dvi, .tex, .ltx or .latex input file |
archive specific |
builds a tar archive from files and/or directories |
builds a zip file from files and/or directories |
Install... |
installs one or more files in a destination directory |
installs one or more files as specific file names |
CM tools... |
Arrange for non-existent source files to be fetched from a source code management system using the specified builder. |
A factory function that returns a Builder object to be used to fetch source files using BitKeeper. |
A factory function that returns a Builder object to be used to fetch source files from the specified CVS repository. |
A factory function that returns a Builder object to be used to fetch source files from the Perforce source code management system. |
A factory function that returns a Builder object to be used to fetch source files from RCS. |
A factory function that returns a Builder object to be used to fetch source files from SCCS. |
Admin/Bookkeeping Commands
These commands are for "admin" or bookkeeping purposes. They provide the "glue" between the various bits of the build system. Or from another perspective, they allow the entire build system to be decomposed into separate but coordinated parts.
Environment... |
Creates a new scons environment |
Return a separate copy of a construction environment. |
Appends the specified keyword arguments to the end of construction variables in the environment. |
Appends the specified keyword arguments to the end of construction variables in the environment. |
Prepends the specified keyword arguments to the beginning of construction variables in the environment. |
Prepends the specified keyword arguments to the beginning of construction variables in the environment. |
Returns a callable object that can be used to initialize a construction environment using the platform keyword of the Environment() method |
Returns a callable object that can be used to initialize a construction environment using the tools keyword of the Environment() method. |
Command-line and invocation... |
specifies one or more targets to build if not targets are specified on the command line |
indicates what to display when -h is used on the command line |
what to return when scons exits |
exit from scons |
Returns the absolute path name of the directory from which scons was initially invoked. |
This function provides a way to query a select subset of the scons command line options from a SConscript file. |
This function provides a way to set a select subset of the scons command line options from a SConscript file. |
Run time environment... |
store the scons db in the given file |
Ensure that the Python version is at least x.y |
Ensure that the SCons version is at least x.y |
Appends new path elements to the given path in the specified external environment (ENV by default) |
Prepends new path elements to the given path in the specified external environment (ENV by default) |
Returns the scons path name (or names) for the specified file (or files) |
This function tells SCons what type of signature to use for source files: MD5 or timestamp. |
This function tells SCons what type of signatures to use for target files: build or content. |
Decomposition... |
reads another scons file |
makes variables available to sconscript files |
pulls in the values of exported variables |
indicates that the build directory for a target |
Enable/Disable changing working directory when in an SConscript file |
Caching functions... |
Specifies that scons will maintain a cache of derived files in cache_dir |
The specified targets will have copies made in the local tree, even if an already up-to-date copy exists in a repository. |
Specifies that directory is a repository to be searched for files. |
Utility functions... |
Returns a dictionary object containing copies of all of the construction variables in the environment. |
Search for file in the path specified by dirs. file may be a list of file names or a single file name. |
Searches for the specified executable program, returning the full path name to the program if it is found, and returning None if not. |
Takes a sequence (that is, a Python list or tuple) that may contain nested sequences and returns a flattened list containing all of the individual elements in any sequence. |
Returns a list of file names or other objects. |
The specified string will be preserved as-is and not have construction variables expanded |
These commands are used to perform actions, to specify when an action occurs, to prevent an action from occuring, affect the dependency tree, etc.
Dependency tree functions... |
Specifies an explicit dependency; the target file(s) will be rebuilt whenever the dependency file(s) has changed. |
This specifies a list of files or directories which should be removed whenever the targets are specified with the -c command line option. |
Marks each given target so that it is always assumed to be out of date, and will always be rebuilt if needed. |
The specified dependency file(s) will be ignored when deciding if the target file(s) need to be rebuilt. |
Marks each given target as precious so it is not deleted before it is rebuilt. Normally scons deletes a target before building it. |
Declares side_effect as a side effect of building target. |
Generic command objects... |
Creates a Scanner object for the specified function. You can use the Scanner function to define objects to scan new file types for implicit dependencies. |
Creates a Builder object for the specified action. In general, you should only need to add a new Builder object when you want to build a new type of file or other external target. |
Creates an Action object for the specified action. These are similar in concept to "tasks" in the Ant build tool, although the implementation is slightly different. These functions do not actually perform the specified action at the time the function is called, but instead return an Action object that can be executed at the appropriate time. |
Executes an Action object immediately (at the time the command is read) |
Arranges for the specified action to be performed after the specified target has been built. |
Arranges for the specified action to be performed before the specified target is built. |
Actions... |
Returns an Action object that changes the permissions on the specified dest file or directory to the specified mode. |
Returns an Action object that will copy the src source file or directory to the dest destination file or directory. |
Returns an Action that deletes the specified entry, which may be a file or a directory tree. |
Returns an Action that creates the specified directory dir |
Returns an Action that moves the specified src file or directory to the specified dest file or directory. |
Returns an Action that updates the modification time on the specified file |
Creates a Configure object for integrated functionality similar to GNU autoconf |
Calls the specified function to modify the environment as specified by the output of command. |


text:
:: The Natural Environment
Summer 2014
@Windward CC
Credit Hours: | 3 |
Instructor: |
Toshi Ikagawa
email@example.com 236-9216 (Ph) |
Course URL: | http://windward.hawaii.edu/Credit_Courses/GEOG101 |
Instructional Mode: | Online |
Dates: | 07/07/2014 - 08/14/2014 |
Course Description: | Survey of the natural environment; distribution and interrelationships of climates, vegetation, soil, and land forms. |
Textbooks: | Books may be purchased at the Windward CC bookstore or ordered online at http://www.bookstore.hawaii.edu/wcc/home.aspx. If you do not have access to the Internet or unable to travel to the bookstore, you may also order by phone at 1-800-UHBOOKS |
Technical Requirements: | The Internet allows students to take a course at home using a personal computer. Familiarity with using a computer and basic Internet skills (browsing, sending e-mail, saving/sending files) is required. Students must have a computer with Internet access. Depending on the online course, students may be required to log in at a specific day and time or at anytime. Students taking an online course should always contact their instructor after registration or prior to the first day of class to get detailed information regarding the course.
Minimum Computer Hardware/Software Requirements: http://www.hawaii.edu/its/swhw_info-stu.html It is also required that you obtain a UH Email account. Please go to the following URL for more information: http://www.hawaii.edu/askus/563 Laulima Help http://www.hawaii.edu/talent/laulima_students.htm |
Updated: | Friday, April 4, 2014 10:04:49 |