Interesting...you say you've been dicking around since Sep trying to get the $450 reimbursed, yet I had the fee waived (and never even billed to my account to begin with) last month. I'm not saying what you were told isn't correct, BUT the vast difference between my situation and yours seems very strange. I think it's worth another call and talking to somebody different. By the way, I also had a different AMEX card waived in Jan as well. I assume you brought up SCRA (which is the keyword for AMEX).