Credit Card Industry

Actual American Express Card Cancellation Complaints

Written by Steve Rhode

Actual Consumer Complaints About Closed American Express Cards

The information below is from actual consumer complaints reported to the Consumer Financial Protection Bureau (CFPB). The list is the last 107 complaints listed by the CFPB as of the date of my post, American Express is One Day Away From Cancelling Your AmEx Card.

The data is part of the source material I used in writing about AmEx card cancellations.

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The Data

DateConsumer Complaint
09/25/19american express closed my accounts and won't refund the annual fees
06/13/19I have been an American Express customer for 22 years. Originally it was for my company, a small TV production company that has worked on mostly children programs. Over the years I never had an issue with American Express. In XX/XX/XXXX my business was severely affected by the wildfires that swept across XXXX XXXX county, in that my primary client lost his home and was unable to continue our work together. This crippled my business.

For the next several months I tried desperately to save the company that has my name since XX/XX/XXXX. In XX/XX/XXXX I was seemingly out of the woods, when, due to the stress, I suffered what is known as a XXXX '' XXXX XXXX. I will spare the details, but it's safe to say that I nearly lost my life that night.

When I awoke one morning, I found that my personal Am Ex card had been sent to collections and my online account had been shut down. Now, keep in mind, I have never missed a payment on the personal card. Never even been late, or had any issue with it. It was just swept up in the handling of the corporate card and sent to a different company to be serviced. When I called the customer service department, I was told there was nothing they could do to help me. Even though I had made all my payments and had never been late, there was nothing anyone could do. The card was at the collection agency, end of story. Now I am faced with having to settle a debt that I was paying regularly on, but now must pay in one lump sum or they will report to the credit agencies. How can this be?

In addition, the collection agency that bought the Corporate card debt has, on some days, contacts me up to five times, demanding that I resolve that debt.

I am obsessive about my bills and staying ahead of them. This is why I am so concerned about this. I am being punished for something I did not do and have no control over.

Please help me with this. There has to be something that can be done. American Express must not be allowed to treat people this way.

03/24/20I'm writing this letter in regards to issues that I have been having with American Express and my Platinum Card for the past few months. I have been a long-standing customer with American Express since XXXX and have made over 19 on-time payments with this company. It wasnt until I was involved in a serious car accident with a reckless driver who did not have car insurance or a driver 's license. My car was left on the brink of being totaled and was out of service for over one month. I was left unable to work and pay my bills.

I had called American Express multiple times to try and explain my situation. They had told me that I was not eligible for the hardship programs for months as my account went into default. Throughout this time I had stated how I am willing to work directly with them, but that I needed smaller payments. They called me every day sometimes even up to 4 times a day harassing me demanding the full balance be paid in full when I explained I could only make smaller payments. On XX/XX/XXXX I had submitted a {$100.00} payment to show that I am serious about keeping my account open with American Express and that I am willing to coordinate a payment plan with their Hardship program.

On XX/XX/XXXX, I spoke with the Hardship Program directly and explained my situation. They stated we could set up a plan of around {$230.00} for the first payment, and subsequently make {$100.00} payments over a 36-month term. I explained that I would most likely be able to pay the balance in full sooner than the 36month term if I was put on this plan, and that I was willing to participate and that I agreed to this plan, but that I needed some time to think it over. The representative told me that I would be eligible anytime to sign up for the Hardship Program. I tried to call them back but their department was closed.

On XX/XX/XXXX I received a call from American Express stating that I was now no longer eligible for the Hardship Program further reiterating that they have been unwilling to work with me even when I have done my best to make payments and when I have cooperated. Even with my city being in quartile for COVID-19 they were unable to work with me. They instead sent my debt to XXXX XXXX XXXX which called me today on XX/XX/XXXX. Now I am being harassed by a debt collection agency when I have tried my best to work with American Express directly. Today I have submitted a {$110.00} via online to American Express.com

04/11/19Last month, XX/XX/2019, I received notice from American Express ' Bluebird card stating my Bluebird account has been permanently closed because I failed to pay an overage fee of {$2.00} of which I was unaware of because that I had forgotten it because of my medical condition where I've had some XXXX XXXX problems previously. I immediately called Bluebird to pay the {$2.00} balance on my account. They would not allow me to pay the money ( claiming they'd prefer a triple-dip tax credit ) and they would not allow my account to be reopened or allow me to open a new account. It is important that I have this account as I have a XXXX brother whom is extremely poor I'm his only surviving family member. Bluebird it the only way I have to transfer money to him without a fee in times of his need.

The people at Bluebird were rude, disrespectful, and attempted to shut me out of any communication with them. Fortunately, all my years of working at the XXXX XXXX in a high level capacity I was able to get through to them. That seemed to make them even unhappier that I was putting them on the spot and the " supervisor '' was seemed in the end of the conversation to pretend she couldn't hear me. However, she could because I would say some things that weren't putting her in a uncomfortable position and she would answer properly.

I want to pay the amount I owe then of $ XXXXUSD as I don't want it as a negative entry onto any consumer reporting agencies in the US. , and I want my SAME account reopened so as I can continue to serve my family member ( whom is also a Bluebird account holder ) as I have always done. My Bluebird account number is : XXXX XXXX XXXX

06/25/20I received a notification from The American Express that my credit line had closed due to a review of my account reducing my credit from approximately {$11000.00} to {$0.00}. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and American Express has not been willing to resolve this matter in a manner that is fair to the customer.
06/15/20On XX/XX/2020, I instructed American Express to close my Amex Everyday card through their website chat. A few hours later, unfortunately I noticed that the American Express associate closed the wrong card. After noticing this, I called their customer service the immediately. And while their customer service is owning up to the issue, and the company is taking blame, no action has been taken to resolve this. I have chat transcripts of what occurred and I want the company to fix their mistake before this severely impacts my credit report.
08/03/20This complaint is regarding a closed Amex blue cash everyday credit card. I was mislead twice by Amex online chat agent and it caused the loss of one of my longest credit history.

My card was closed by Amex without noticing me in XX/XX/2020. The reason for closing was inactivity, the account had XXXX balance. I found this out within a few weeks while checking my credit reports and contacted Amex via online chat on this issue. The chat agent told me if I call Amex within 1 year of closure I can get my account and credit history back. I contact Amex a second time via line chat and they told me the same 1 year rule. I called Amex in early XXXX, and the call agent notified me they can not reopen my account and I had to call within 90 days to reinstate my account. I was mislead twice by Amex online chat agent about their company policy and that lead to loss of my credit history on this account. This shows mismanagement and an inability to serve customers in the most basic tasks.

08/11/20My XXXX Amex and my Amex XXXX cards were both closed after I paid the entire balance on the Platinum card ( 90 days delinquent before payment on XXXX XXXX, 2020 XXXX and the minimum amount on the Amex XXXX XXXX 30 days or less delinquent before payment on XXXX XXXX, 2020 XXXX card to bring both current on XXXX XXXX, 2020 at XXXX. Although before both cards were paid on XX/XX/2020 it did show they were both delinquent, however after payment was made on each account respectively, the accounts 100 % did show current.

I am am very fiscally responsible individual and if I borrow money then I am going to pay it back. After paying as described above, I logged back into Amexs app on Saturday XXXX XXXX, 2020 and then all of a sudden, to my shock and disbelief after being a loyal customer for 10 years, it shows both accounts are cancelled. At this point my XXXX XXXX and XXXX went through the roof as I was livid.

After spending many hours on the phone with Amex reps in Mexico and finally the United States, i finally reached a stateside manager, after you had to move the Earth to speak with anyone in management, who said all they can do is forward this on to the credit department but that was all they could do for me. However prior to getting to stateside manager, I spoke with a representative on XXXX, 2020 whom stated to me that they could see that both of my accounts were current when I made the payments on XX/XX/2020 and then after both accounts were current then both accounts were cancelled. As everyone understands Amex XXXX XXXX XXXX is publicly traded, so why on Earth would they cancel XXXX accounts that were current at the time, send something to the credit bureaus to day closed by credit grantor that is only going to negatively impact the customer and then when the customer cant pay the entire balance in a lump sum on a revolving trade line that Amex is then going to report this as a charge off only further damaging the customers credit. Why would they want to negatively impact their net loss numbers to report back to the street a higher net loss than was necessary? Im not sure thats in the customers best interest who had their trade line cancelled while being current or their credit that was negatively impacted, the shareholders of XXXX and the rating analyst of XXXX.

Well there is a big issue here. Its the programming logic of Amex in relation to cancelling accounts. My accounts were both current after I paid, an Amex representative admitted on XX/XX/2020 that both accounts were current at the time of being canceled, however the programming logic went in searching for x criteria and without taking into consideration the accounts were paid on XX/XX/2020 and current, it closed the accounts. How? Well, another representative on XX/XX/2020 stated that they see I paid but the account then went into a pending status and they will not post the credit to the account to show, past tense, that the account is paid even though the funds were out of my bank account on XX/XX/2020 which is the same day I paid both accounts. Why wouldn't Amex program into their coding of cancelling accounts a grace period to cover this internal pending time frame so it doesnt cancel current customers but yet the payment was pending??? Seems like customers are the only ones losing here and on a Class level. Remember robo signing for foreclosures, well welcome to robo cancelling provided to you by non other than XXXX. Its wrong, I am tired of being bullied by massive organizations and me as customer Is the one being negatively impacted both on my credit and ultimately being impacted financially. Do something to stop the unfair and deceptive practices, the FCRA violations, from cancelling current accounts and to make them be responsible for their errors and instead of trying to justify the errors of their ways, admit to the errors and damage you are causing customers and START DOING THE RIGHT THING FOR THE CUSTOMER!!!!

The only reason I was able to get anyone to respond to me was by me digging and finding an ethics portal that is truly reserved for employees of Amex and I made the claim against the XXXX, XXXX XXXX as he is responsible for all the employees, their actions, what they say to the customers and the policies of Amex. That is the only reason I was able to get a response from Amex, who ultimately decided that if I pay the entire balance in full on my Amex XXXX account then Amex will then reinstate my Amex XXXX. What kind of logic is that Amex?? Seems like im being put over a barrel an extorted.

Please help not only me but all the customers that Amex is affecting negatively both credit wise and financially along, with inconsistent messages being given to the customer by their representatives, their non transparency, the error in their programming logic that negatively impacts customers, their inconsistency of what a customers account says on the Amex app versus what the account status is internally, etc.

I have been greatly impacted by the global pandemic and I 100 % believe that the garbage financial assistance program being offered by Amex ultimately does not help the customer to its fullest. Additionally, i do not think Amex is 100 % transparent with all the ramifications and impact the financial assistance program can have on the customers credit bureaus, how it could affect their borrowing capabilities, How it could affect other creditors increasing the APR on other loans or reducing their credit lines which does have an impact on individuals credit scores, amongst other negative impacts to the customer. Amex is not putting the customer in a situation that ultimately assit the customer in the best possible way or at a minimum, that the least sophisticating consumer can understand. I fully expect class suits out this unbalanced, non transparent program.

XXXX XXXX is the powerless robot that Amex had call me from corporate while the decision makers do not and will not get on the phone with a customer to understand real and viable customer concerns and situations. Amex also need sto empower their employees to be more decision makers and not simply an XXXX in a seat as this does zero for the customer.

09/03/20I have been trying to make all of my accounts current at this time. American Express sent me a statement asking for a minimum payment of {$810.00} on or before XXXX. I sent the payment in on XXXX and it was accepted. They are now telling me it has been sent to an agency and they can not speak to me on the account. I just wanted them to send me proof that I was current and to continue to accept my payments. They should not have accepted payment if they were not going to work with a customer willing and ready to make payment. I have been a cardholder in good standing for 13 years before my financial hardship.
09/16/20I have had four American Express cards for two years now with an impeccable record with no late or returned payments.

This month, two payments were made erroneously to an old bank account on file which was no longer open. I contacted AMEX to cancel the payment and they didnt, this resulted in a returned payment.

On XX/XX/20, my cards were closed due to the single returned payment even after explaining the issue and having it notated on my account.

05/10/20i called american express credit cards i spoke with customer service during covid-19 i lost my job and having financial problems but i offered to pay half of what i owe balance is {$4500.00} i offered to pay {$2300.00} and the lady with americamn express customer service told me pay XXXX dollars down and XXXX a month and they would'nt close my account and no penalties and i honered their payment plan and paid XXXX total then phone misteriously disconnected i called backed now a man answered the phone in customer service said that my account will be closing and i would have to re apply for card even tho other clerk id number XXXX told me different which i actually did pay her terms now american express changed the deal during united states covid -19 hardship thats effecting everyone leaving no one to spare during this disater relief program american express has i really believed i was going to get help from this credit card company i would like for american express to honor the deal they promised me or atleast let me pay {$2300.00} and give me 2 weeks for balance but they agreed on term of XXXX a month now breaching the verbal contract just need help please
01/03/20In XXXX, XXXX, my American Express Card was compromised and I was issued a new card with a new account number. I have two American Express accounts, one of which I have had since XXXX. The card that was compromised was the second account and was used solely for business purposes.

I had set up autopay for both accounts and had been paying the minimum balance due on both cards since XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX, the total amount due on one of the cards, in the amount of {$2800.00} was paid in error. I had not changed the autopay amount and called American Express immediately on XX/XX/XXXX, to stop payment and revert to the minimum balance amount to be paid. At that time, I was told that they could not stop the payment and that I would have to call my bank. Then the amount was requested again by American Express so the payment was declined by my bank the second time. I called American Express again and asked them to credit my account for the {$2800.00} which they did. I then had an extra {$2800.00} in my bank account, which I paid back to American Express since this was also an error. Simultaneously, my Bank ( XXXX XXXX XXXX ) declined payment on the minimum balance due unbeknownst to me.

I received several calls from American Express requesting payment on the account at which time I authorized the minimum balance due to be paid on both cards. During each conversation, I let them know that I had NEVER authorized the full amount of the card to be paid. On XX/XX/XXXX, the amount of {$69.00} was returned from my bank and on XX/XX/XXXX, the amount of {$60.00} for the second card payment was returned from my bank. In addition, I was unaware that XXXX XXXX XXXX had stopped payment on all American Express requests, so the authorized minimum payments I made did not go through. This was certainly not my intention.

In further calls with American Express around XX/XX/XXXX, I was told they would be cancelling my cards. I explained again to the representatives that I had never authorized the full amount to be paid and believe that there was some internal error that had occurred. They said that they would investigate it and that I should call back in a week. On XX/XX/XXXX, I spoke with the Responsible Lending Team and explained the entire situation again. I stated that if they did not fix the situation I would have to file a complaint with the CFPB. The representative asked to put me on hold and wanted to talk to his team. After several minutes ( was on the phone for XXXX minutes total ) he came back on the line and told me that they had reinstated both of my accounts.

Several days later, I received 4 letters from American Express ( attached ). Two were dated XXXX XXXX ( the day before my call ) and two were dated XX/XX/XXXX, the day of my call. The letters dated XX/XX/XXXX, stated that they declined my request to reinstate my accounts due to my FICO score of XXXX.

This information was also included in the letter : " The following are the key factors that contributed to your FICO score : 1. The ratio of revolving account balances to their credit limits is too high.

2. The number of accounts that have or had a delinquency.

3. There is no recent information about installment loans on your report.

4. There are too few accounts currently paid as agreed. " I did not have any other accounts in delinquency at the time and there were no accounts that had not been paid as agreed. They were unable to explain further than this.

On XX/XX/XXXX, I contacted the Responsible Lending Department again, I asked about the letters I had received, and this information was explained to me. I once again explained, FROM THE BEGINNING, the situation and that there must have been a mistake. I referred to my auto payments that had been in effect for a year and that this current situation was an aberration. I also explained that I have been an American Express cardholder for 37 years and that I was very disappointed in the way that I had been treated. I had recently started a new business and I used these cards to help launch the business. I stated that I had now spent over 7 hours on the phone with various representatives from American Express with no results and that I would be filing a formal complaint. I was asked to give them another week to review the situation.

I called back on XX/XX/XXXX and was immediately connected to the collections department due to the status of my accounts. I was redirected to the Responsible Lending Department after explaining the situation AGAIN. I spoke with XXXX XXXX who said they were still investigating what happened. He seemed to understand the situation and expressed some empathy for my frustration, also stating that he could see that there might have been an internal error. He told me to call back in 24 – 48 hours if I did not hear from them.

I called back on XX/XX/XXXX and spoke with XXXX XXXX and after 33 minutes was disconnected. I called back and was connected with XXXX XXXX who was in the collections department, which I realized after asking to speak with his supervisor, XXXX XXXX, who told me that I was speaking with the collections department. She then sent me to the Responsible Lending Department where I spoke with XXXX XXXX. I received no further information/resolution and at this point I stopped calling as I found it to be a futile effort.

I have not received further information from American Express. Both of my accounts have been cancelled and I am planning on paying them down, but would like to have my cards reinstated as I do not want my credit score to be affected by this American Express error.

In retrospect, I believe that once my card was compromised, someone else may have had access and may have changed the autopay amount. This was not addressed by American Express, but the timing of the issue of the new card and the auto payment error were within one month of each other and coincidental

04/16/18On XX/XX/2018 American Express closed my accounts ending in XXXX.

They gave me no warning and i had never missed any payments. I tried to make 1 purchase and they closed everything. I would like to have my cards reopened and done so amicably.

10/25/18American Express has been turning against good customers! Closing their accounts!

Doing that to customers with perfect payment records!

Demanding to see confidential documents!

Demanding that customers with firmly established credit card accounts co-operate with intrusive mortgage-application style onerous processes!

Threatening to close all their Amex accounts if the customers don't agree to above stated outrageous demands!

11/09/18I own an American Express card that was opened in XX/XX/XXXX. I always tried maintaining good status by making on time payments. If a month was unable to, I would call and remedy the situation.

In XX/XX/XXXX, after losing my job, I continued to make a payment in XX/XX/XXXX and XX/XX/XXXX. When XX/XX/XXXX statement came out, a payment in the amount of {$100.00} was due. I proceeded to make the payments in XX/XX/XXXX, XXXX and XXXX under my bank account ( which is a joint account ). However, I contacted Amex numerous times since XX/XX/XXXX to let them know of my current situation and requested some sort of financial help. NOT ONE CALL was I informed that my payments were not going through.

In an attempt to mitigate my damages, I logged on to my account to find my card " cancelled ''. I contacted another rep in XX/XX/XXXX and asked about the " canceled '' status and was informed that it was because payments were not made that I am unable to use my card. HOWEVER, if I was to bring the account current the cancellation would be waived. THAT was the ONLY call that the gentleman informed me that my bank was not processing my payments and that I needed to look into it with my bank, XXXX XXXX. He informed me that he would update my account to advise that I was working with my bank to find out about the payments not being processed.

After contacting my bank, I was informed that a fraud alert was placed on my account ( husband ) and that no payments were made. I quickly called Amex and updated the with this information. I was advised that I needed to make 2 payments ( {$100.00} and {$110.00} ) within the same month to show that the payments went through. In good faith, I opened another account with XXXX XXXX and proceeded to make total payment of {$220.00} within the same month, through a new account. However, when I went to check the status of my card, my card was now closed.

I have called NUMEROUS TIMES in an attempt to have this investigated and have been received with push back. I did what was told of me, I complied and demonstrated it was wrong doing on the bank behalf and yet my card was closed as though I never tried to fix the situation.

My last conversation regarding the matter was with XXXX XXXX, who callously informed me that there was nothing that can be done for my account and that NO ONE in the company is going to do so.

I believe AMEX is acting in bad faith. As a consumer, I contacted them before things got out of hand and did my part. I complied and made the payments as agreed and furthermore, the card is up to date, with ONLY a {$1000.00} balance owed.

12/01/19I was considering to close one of my accounts with American Express, so I made a call to customer service on XX/XX/XXXX. When the customer service representative was reading the disclosure before finally canceling the account, I suddenly lost connection to the call due to the poor network connection. I thought the process of account closure would not be completed, as they would need to finally ask for my approval after the disclosure. I also changed my mind, and decided to keep the account open until XXXX 2020 when the annual fee is due.

However, I was very surprised to see my account closed on the next day, therefore I immediately called customer service. An agent and a supervisor named XXXX both advised that the account would be reinstated, and the supervisor offered XXXX rewards points as compensation for inconvenience. The supervisor also advised that she was working with other departments to try to get the card delivered to me as soon as possible.

On XX/XX/XXXX, I realized that the account was not reinstated as promised, when I was trying to add the card to my online account via online chat. I then called customer service again, and was advised that the previous request for account reinstatement was declined due to my recent FICO score being around XXXX, which is not bad though. As such, I submitted an internal complaint to American Express, since there would not have been such a problem if they did not close the account without my final approval.

I then called the department related to the specific card type, and was advised by a supervisor named XXXX that technically they would not be able to reinstate it at all, since this type of card is no longer open for applications. I then realized that the previous agent and supervisor gave me wrong information, which caused extreme confusion and frustration and should not happen. XXXX offered XXXX rewards points as compensation. I mentioned that last time the supervisor also offered the same, but I had not received it. XXXX responded that there was not such a note in the system, therefore they would not honor it. She also refused to acknoledge the existence of promise for compensation in my previous conversation with XXXX.

In the end, they would not reinstate my account, which was closed due to their mistake, and refused to honor the compensation as promised. I have spent two hours in phone calls regarding this problem and got extremely frustrated, and also lost my account which has been open for three years.

09/15/19Amex closed my account and they're not willing to work towards a resolution with me
07/21/19I have two credit cards with American Express. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been using both card for quite some time, and one of the credit cards was over a year. I been constantly using the card and make at least the minimum payment on time.

I received a promotion offer from AMEX, that AMEX will offer XXXX bonus XXXX XXXX point for each additional card holder I add. So I took up the offer and added multiple additional card for my family members.

Around XXXX, XXXX, my AMEX app said that my account was suspended, so I contact AMEX immediately and trying to see what happened. The person answered the call redirect me to different department, before telling me that the Amex Review team need to speak to me, and their office is closed, and said they will leave a message for AMEX to call me. I waited for a week and never received any call, so I called AMEX again and still haven't received any call back, so I decided to call them again and then finally I get to speak to the member of financial review team. The representative was very rude and ask me why did I add those additional card holders and why I am using the card the way, and asked me to filled out the 4506T form for tax without even provide me the form or any instruction. I have to called the financial review team again and speak to their manager in order to get them form.

I tried to filled up the form and send to them as soon as possible. I have attached the evidence I have provided the filled 4506T form.

After I sent the form to them, I did try to contact them and left a lot of message to follow up with no success, and then I realized they closed my account, and saying that they weren't able to reach me, and they have try to contact me and claiming that I did not filled in the form correctly. I have never received any letter or email regarding this issue, and the account manager who handle this issue saying that is not their responsibility, and I shouldn't call them after hours, they only worked till XXXX, which I am working at that time as well.

The entire experience trying to solve the issue was unpleasant and humiliating. Everytime I contact AMEX, they have to go through procedure to confirm my identify multiple times during one call, and I left a lot of messages with no response. Once I managed to get in contact to the person in charge of reviewing my account, always acting very rude, talking over me, and keep saying they have no responsibilities to keep following up with me, and it is their normal procedure to close my account within a week after first attempt to contact me.

I try to appeal the decision over the phone, and seem like the AMEX team show little interest to sort out this issue with me, so I have no choose to fight for my fundamental right as a customer by lodging this compliant in Consumer Financial Protection Bureau.
I just hope AMEX to review my account and have both of my credit card accounts reinstated, I feel like I wasn't treated fairly, I try my best to cooperate, but your financial review team just seem like they desperately want to close my accounts and made little effort try to sort out issue nor provide any quality customer service. I have been a loyal customer, and yet I have not received the bonus point that I was promised and I have already paid the annual fee while my account was cancelled.

10/04/19Dear Sirs and, or Madams : Thank you all for your time.

I had been using the American Express prepaid " Serve '' card ending in XXXX for several years. On XX/XX/2019 I loaded it with my cash : {$1500.00}. On XXXX AMX cancelled the card, keptStole my money, citing a vague fraud clause in their policy and procedures.

AMEX has not stated beyond the clause what they believe I did to be deemed fraudulent.

When I called them, they would not give me any answers nor would they let me speak with the department that made the bogus fraud determination.

I have done nothing fraudulent with their card.

AMX has previously been in hot water with the CFPB for similar if not the exact arbitrary, unfair business practices.

It has been almost nine months, close to a year with no resolution. I really need my money!!!!

Thank you all again, XXXX.

06/14/19My American Express Gold and American Express Platinum cards were canceled in XX/XX/XXXX due to the misapplication of payments I'd made since XX/XX/XXXX ( see CFPB complaint XXXX-XXXX response dated XXXX XX/XX/XXXX ). Per the American Express card agreement my payments are due upon receipt and are accepted thru the first of each month. The ten ( 10 ) day grace period allows them to be received without any late payment charges thru the XX/XX/XXXX calendar day of the month. All payments ar allocated first to cover the pay-in-full portion of a card member 's plus the minimum payment due on the pay-over-time portion of the account.

Per American Express own written statement to the CFPB dated XXXX XX/XX/XXXX, American Express admits that an overage was applied to my Pay-Over-Time Balance, on the date of XXXX XX/XX/XXXX in the amount of XXXX XXXX ( XXXX ) dollars and that having received a total of processed payments in the amount of XXXX between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, an overage from the XXXX XX/XX/XXXX payment plus prior payments within the same time-frame were applied to my pay-over-time balance.

To quote the signed statement submitted by American Express to the CFPB with CFPB Ref No : XXXX-XXXX and dated XXXX XX/XX/XXXX : " An over-payment of {$3600.00} was allocated to the Pay Over Time balance. '' Now, the payment was made on XXXX XXXX and was therefore intended to be credited towards the immediate balance due on XXXX XX/XX/XXXX. That payment was not to be used to in-full to reduce the pay-over-time balance within the statement period. As a result, every subsequent statement period reported that my account was nearly thirty ( 30 ) days past-due, ultimately leading to the closure of my accounts and reporting of invalid adverse credit history to the three ( 3 ) major CRA 's.

It is perfectly reasonable to pay a balance due on XXXX XX/XX/XXXX one ( 1 ) week in advance ( XXXX XX/XX/XXXX ), especially considering that American Express previously lost my payment that was WIRED, and for whatever the reason was unable to process other payments. So, American Express has apparently concocted a scheme such that if a payment is made AFTER the closing of a statement period, but before that statement period balance is due, their computing system will misapply payments made prior to the exact due date for that statement period, for all card members who have the pay-over-time functionality on their charge cards. That is, American Express is able to take in two times ( 2 ) the pay-in-full balance due under threat of reporting adverse credit history if only the payment due is made within one ( 1 ) week before the due date of the payment. Again the payment is technically due upon receipt and in my case was expected to be paid by the XX/XX/XXXX of the month, XXXX XX/XX/XXXX.

An investigation was conducted regarding the payment history resulting in American Express having to change the due dates of ALL my statement periods between XX/XX/XXXX and XX/XX/XXXX because there was no other way to correct the error in the computer system. In American Express ' statement to the CFPB on XXXX XX/XX/XXXX with CFPB Ref No : XXXX-XXXX, American express states : " On XX/XX/XXXX a credit supervisor called you per your request. He was able to obtain an exception to remove the delinquency. We have provided appropriate feedback to his leader to prevent this from happening in the future as we are obligated to report accurate information to the credit reporting agencies. '' That is, the supervisor that assisted me in trying to make things right to the extent they COULD be made right given the series of colossal screw-ups in the way my XXXX XXXX payment was REPRIMANDED for having done so — apparently no good deed at American Express goes unpunished. If the XXXX XX/XX/XXXX payment had been applied as it was intended to be, there would have been no " late payment '' and no need for the supervisor to have had to take the extraordinary actions to fix the issue regarding the reporting for XX/XX/XXXX.

Now, I chose to be respectful and to try and resolve the issue internal to American Express between XXXX of XXXX thru the XXXX XX/XX/XXXX date, as mentioned in American Express ' XX/XX/XXXX statement. However, if I'd chosen to file with the CRA 's and asked that the invalid credit history be removed, and provided information indicating that a payment was misapplied, that information would have been removed because American Express does not even dispute the date a payment was made, but in how they chose to apply a payment made within one ( 1 ) week of the due date for the statement period.

As a prior American Express shareholder outright, and one that most-likely continues to be a shareholder through index/mutual funds, it is alarming to see this sort of behavior in how American Express treated me as a card member, and shareholder, AND how they treat their employees who try to retain card members that have been harmed due to flaws in their computing system logic, whether those employees are in the United States, or abroad. The sad thing is that I am a millennial — it is statistically the single most-difficult group that American Express has tried to attract to it's products and services.

At this point American Express has chosen to keep my accounts closed, despite admitting to a misapplication of payments, AS I INTENDED THEM, and per their own statements to the CFPB. Their consolation has been to offer me " guaranteed reinstatement '' once the pay-over-time portion of my account is paid in-full with a risk-exposure limit that pales in comparison to the prior limit. With the stiff competition in the marketplace in terms of credit cards, especially for " up and coming '' millennial making well into six-figures like myself, it would behoove American Express to re-evaluate how it treats its card members overall, especially millennial card members like myself. While I am not privy to the level of disciplinary action that was taken against the supervisor that assisted me, it's unfortunate that I would even need to state that American Express should consider looking inward on how it treats employees who attempt to reset a relationship with a card member that has been harmed due to an error in payment allocation.

There are a series of steps that American Express must undertake if they wish to keep me as a card member after going through this with them for the past one ( 1 ) year. If American Express can not do ALL of these things as I have specified as a fair resolution, then it will be clear that I am not valued as a card member and that American Express has not learned their lessons with millennials and brand loyalty.

Under that scenario, I will work with another financial institution that I currently have accounts with, explain the situation and provide the copious documentation of this experience with American Express and part ways with AXP as a card member. Furthermore, I will limit my exposure to AXP in any of my index/mutual fund holdings.

Regardless, I will provide feedback to the CFPB and request that the feedback be posted so that other consumers will be aware of just how American Express chooses to treat its millennial customers.

06/13/19My name is XXXX XXXX and I have been a dedicated, loyal and very happy client of AmEx since XXXX.

I have AmEx cards both on the business and personal side and have been pleased and delighted with my experience up until earlier this year.
My account numbers are XXXX and XXXX and if you look up my accounts you may find the I have never been late on any payments, nor misused or handled my accounts improperly. I have built up my credit during the years and have taken full responsibility of my actions. There has never been any issues with AmEx during my membership until earlier this year. In fact, my membership has been celebrated to higher statues during my tenure.

During the month of XX/XX/XXXX, I was randomly requested for a financial review due to transaction of my AmEx Business Platinum card ( XXXX XXXX {$9000.00} ).
Since this incident, my experience with American Express has deteriorated dramatically and is at its lowest point imaginable.

To further detail, allow me to briefly share some of my recent experience : – Early XX/XX/XXXX, I received a phone call from AmEx with Financial Review Team Member XXXX, who within 1-2 minutes of the conversation the threatened to cancel my accounts if I had not provided a tax return within 1-2 weeks. The representative was incredibly insensitive and arrogant during the phone call and kept on adding restrictions and time constraints to heighten his position. This experience has remained the same during the entire review process plus his inability to respond to questions, respond back on a timely fashion, refer other colleagues to help during his absence or get supervision to step into his position during times when he was unable to take action. I would reprimand or fire that representative due to way he treats clients. In fact, I would review the entire Financial Review Team 's organization and set up as majority of the times, majority of the times nobody is available to speak with the clients, phone messages can not be left or goes unheard and there is no way of communicating via email with this team. To further detail my disappointment with Financial Review Team, they have incorrectly requested transcript from the IRS, lost mail which was sent certified, ignored digital communication by clients ( AmEx upload ). The Financial Review team has blamed the United States Postal Office for fault, blamed me for faults, blamed the IRS for faults, which is not only unprofessional, but so wrong in front of a client. I have spent an enormous amount of time on the phone with the team without avail. Called at least 2-3 times per week since early XX/XX/XXXX, which each call takes approx. 20-60 minutes, to inquire about status updates, provided all of the requested information and STILL my accounts have been closed.

– During early XX/XX/XXXX, I was also fraudulently charged on my AmEx account, including the {$9000.00} mentioned above. Due to this fact, I've disputed these charges with AmEx, which totals approx. {$30000.00}. Initially, I was told to wait approximately 6-8 weeks for the case to be completely finalized. Periodically, I have called to learn about any updates. By periodically, I mean approx. once per week plus checking online for any updates via Dispute Management. It is to my dismay that the Dispute Management online has not been working correctly for these disputes, which has resulted in me having to call the customer care number. During each call, I have been transfered at least 3-4 times to different departments during the last 3-4 weeks of the dispute time. I've spoken with AmEx representatives on extremely poor phone lines, far away in some Eastern countries without any knowledge of the situation. I've inquired about the actual process of Disputes and have been given very different information each time I've called.

In conclusion, it is my highest hope and desire to have a repaired relationship with AmEx and have my accounts re-instated ASAP. I have done nothing but to comply with AmEx requests including submitting my IRS tax return of XXXX on a timely fashion ( proof of mailing has been provided via online uploads to The Financial Review Team ). This is my last resort before retaining an attorney in order to pursue this case further.

11/25/19Yes Bluebird close down my checking account and savings account for no reason of my own making they said that I did unappropriate or did things that I was not allowed to do but I don't understand how I did this when I was XXXX at that time and was not in able to even use my own debit cards and they let somebody come in and take all my daughter Social Security money out of a separate account that was linked to my Bluebird account then I tried to call them and talk to them about it and all they did was tell me that they closed my account down and there's nothing more they could do to help me
05/17/19American Express charge card In last two years I got the same answer twice.

Situation – I called them to cancel my card and told them that they should not honor any more charges post cancellation. They said I am liable for charges for perhaps upto 9 months after the card is cancelled. They told me that it is because, merchants are their customers too and when we use the card for subscription billing, they are liable to honor the merchants transaction even after cancelling the card. This is not right and does not work in favor of card holders who should be in control of transaction.

Pl dig into this as this is a larger issue that affects sr citizens and poor people who are being squeezed by large corporation.

08/14/20out of work for 2 months for covid stayat home order. made plenty of oaynents in good faith to amex. i of course have proof how we were paying them. they call my home all day up to XXXX at night. i asked them to not keep calling me that there was a pandemic and we have been paying you. they said ok theyll cease and desist XXXX hung up. next thing i know they reported me deliquient and made my perfect XXXX score to XXXX they specifically said aa long as im paying them theyd not report me. they asked me for {$2600.00} per month and weve paid {$5000.00} payments in less than a month. unreal how to treat people at their worst time
07/06/20-I have an American Express Card account that I have had for 25 years which was arbitrarily canceled by Am-Ex because of their error.
-In XXXX several vendors charged my card recurring charges that I did not authorize.
-I tried repeatedly to get the vendors to stop and also to get Am-ex to stop authorizing them.
-Am-Ex said they could not block these charges and advised me to change my card -Twice I changed my card but that did not stop the charges -Finally Am-Ex advised that I should change my entire account number and assured me that it would stop all recurring charges.
-It took several months and great inconvenience for me to get a new account number and card. But I was eventually able to complete this.
-Only to find several months later that they had not canceled the old card number and were still allowing charges.
-I paid whatever was valid but told them that they must cancel the old card because I could only manage one card and one account.
-Recently during COVID I found out that the old card was left open and not canceled when I received a call that payment for it was overdue 120 days ; That they allowed charges I had not authorized. I had no knowledge that the old card, and account, was still open.
-I informed am-ex that the card was supposed to be canceled and I had not authorized the charges.
-I was told that the credit department does not speak to the dispute department and that I had to filed a dispute which I did.
-They removed the charges however, at the same time they canceled my new replacement card and account because of the past due payment for the old account that I had no knowledge and for charges that I did not authorize.
-The credit department claimed in part they canceled my account because I did not answer their call. They called when my sister was sick and then later died. During that time period, they canceled my account of 25 years.
-They further canceled my 22 years of rewards points which was the only reason I had an Am-ex card and which I was saving for a large family trip.
-After they removed the charges on the old card they said they would restore my valid card and account along with my rewards points. However, they later refused to do so because they said I had a poor credit rating despite the fact that I had paid my bill on time for the past 25 years.
-After they arbitrarily closed my account and robbed me of my 25 years rewards points I informed them that I would not pay my current balance because the value of my rewards points far exceeded my balance.
-Also since it was the only charge/credit card I had it has caused great harm to my credit and financial situation to arbitrarily cancel my account.
-The initial cancelation was due to an error on their part for an account they were supposed to cancel and charges that were not authorized.
-In the past 25 years, American Express has earned over {$22000.00} from my charges and since they breached my contract with them I want to be reimbursed for those charges.,
05/13/20I spoke with this American Express on XX/XX/XXXX to cancel the credit card since i was alerted a fraudulent charge was made at XXXX XXXX, on the same date i canceled my card. I was a victim of RFID Chip reader device, i thereafter purchased RFID sleeves for all my cards in my wallet, because i was a victim of RDIF card reader, while on the XXXX XXXX to see my family.

I filed a police report, and went to the store my self, this was not resolved despite my due diligence. XXXX XXXX, could not provide a signature for the sale or camera footage of the individual claiming their camera was off. p I worked with a detective that failed to complete the investigation. I was issued new credit cards the day this happened upon my own request, but the charge was not removed!

Furthermore, my Mother died of XXXX during this pandemic, I alerted AMERICAN EXPRESS, of both the financial hardship and my loss, that i would make a payment as soon as possible, i have ALWAYS been in good standing since opening my accounts in XXXX. Despite my efforts to work with me, under this awful global crises, American Express breached fair debts collection acts and proceeded to harass me, both through 1 – 800 numbers, ( which i still answered and reexplained my current circumstances ) and under standard telephone numbers like XXXX. Hiding the identify of collecting debt. I pleaded to maintain the integrity of my account, until this pandemic passes- instead American Express took actions taken against me by canceling my accounts and sending me to a collections agency even though I paid as soon as I could on XXXX XXXX to get my account current!

04/04/20Ive been an American Express Bluebird member for a few years now and never had a problem until now. On XX/XX/2020 bluebird wrongfully suspended my account, my account is associated with my job so I get direct deposit and I also still have money on that card. On the same day of XX/XX/2020 bluebird locked my account due to me putting my password in wrong to many times on the mobile app because my phone screen is cracked. I then called bluebird customer service at 2 separate times and had to wait a total of 4 hours … when I finally spoke to an agent I gave her all the info to unlock my account which included : my name, email associated with the account, my social security number, my date of birth, my card number, my answer to the security question needed to access online banking, and also the cash app card number linked to my account. After I gave her all my information she put me on hold and after 6 minutes she hung up on me. I called back and waited another 2 hours and got no answer, I then received an email stating that my account has been suspended. At the time of this suspension I was trying to buy my kids a box of diapers and something to eat, I had enough money on my card to make this transaction and I still have money on that card that I can not get access to. I really need help because every time I call the automated system says your account has been suspended goodbye and they hang up, Im a single father and I dont know what to do at this point.
05/19/20On XX/XX/XXXX around XXXX XXXX I attempted to log into my account Through Bluebird american Express prepaid card account. The website told my password was wrong, I attempted to reset my password and it would not allow me but sent me an email stating Hi, XXXX XXXX, During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team I read the policy and I have done nothing to as which it states. I have tried to call all the numbers within the states to contact them and no one can help me or tell me how to resolve this issue. When I call the number on the back of my card all it tells me is my account is closed and hangs up. I have called American Express they have no idea how to fix the issue/ I had a guy tell me to choose lost card to get an actual person on the line by calling a number he had not the one listed on the website. I did that and the young lady told me it could be months before this is resolved. I do not have months I have a family account set up with this prepaid company I have money in my savings through them plus my unemployment had just been deposited 20 minutes before i got the notice it was suspended/ Can you please help meXXXX XXXX XXXX

12/16/19American express closed my credit card account. I found this out today logging online while the card shows it is valid tillXX/XX/XXXX. This card was booked in XX/XX/XXXX I have a XXXX fico and never had credit issues but AMEX for whatever reason gave me a student line and never bothered to increase it. While there is no denying that AMEX card is the least preferred in my wallet as I never know if I would get declined for my purchases, I am not happy that they terminated the card without an email or a call explaining why they are closing this account. I would need help to re-instate this card.
03/04/20FOR 38 YRS. W/ AMERICAN EXPRESS ALWAYS PAID MONTHLY IN FULL NEVER LATE. 2 YRS. AGO, A MERCHANT ( XXXX XXXX ) CAME TO INSTALL A NEW FLOORING, BUT UNABLE TO FINISH LACK OF MATERIAL. AND NEVER COME BACK. THEREFORE, I DISPUTED W/ AM EXPRESS FOR {$500.00} CHARGE FOR 2 YRS. W/O RESULT. WE CAN NOT PAY FOR UNFINISHED JOB.
BESIDES, AM EXP. KEPT SENDING ACTIVATED CARD W/O PERMISSION TO OUR EMPLOYEES WHICH IS UNLAWFUL & PUNISH BY JAIL PENALTY.
03/19/20I originally opened my first account with Amex in XXXX of XXXX. I called on XX/XX/XXXX to upgrade my card from a Deltagold card to a Delta reserve card. I was talked into openinga platinum card instead. I was originally very excited. I tried to make a purchase on XX/XX/XXXX and my myplatinum card was denied – I called platinum card services where they verified my identityand asked me to tryagain. We tried several times to run my card and then we were transferredto fraud. they begin to ask me several questions to verify my identityagain. After several hours on the phone while still in the store I decided to use another card. American Express said I need to take a government ID to be notarizedwithin 24 hours. I explained to them I was traveling out of the countrythe next day and can prove that with my delta flight itinerary. they sent me an email explaining how I could verify an alternate way usinga secured email. I submitted my document 3 differenttimes and they complained about the documents and requested a notary service. after getting my passport notarized they requested my social security card. Once I sent my social they requested ID. After getting my ID they said my account was under review. I never received a call back so I called on XX/XX/XXXX and requested a supervisor. I got a supervisor by the name of XXXX with the identity fraud department. She said she'd review my account and call me back. I never got a call from XXXX. I called back and spoke to someone stating my account was closed due to fraud. I called the next day and spoke with XXXX XXXX his direct number is XXXX he said he reviewed my account and can't understand why they made that decision. He asked if I could give him some time to review my account and get with XXXX. He called me back several hours later saying that he spoke with XXXX and my account will remain closed due to fraud. I contacted the corporate office and sent several emails and got the same info. Today XX/XX/XXXX I received a letter in the mail that stated my account was closed because my documents were altered.
My documents in no way were altered. I sent my SSN Card, passport and drivers license, all of which were valid and unaltered. I went to the passport office of XXXX and the SSN office where my documents were issued and all of my documents were verified. I also recently traveled out of there country with my passport without any issues.

I feel that they assumed I was fraud because I am XXXX XXXX they thought I wouldn't send my documents proving my identityand once they receivedthem they targeted me treating me like a criminal saying that I stole someones credit. This is horrible and if this issue isn't resolved I am willing to file a lawsuit against American Express for profiling me and denying services to me due to my nationality.
I believethat American Express closed my accounts after they saw that I was XXXX XXXX because there is no way to come to the conclusion that my documents were altered in any way.
I'd like both of my accounts reopened and I'd like to be compensated for the inconvenience. I aim willing to contact the media and go further if needed. I am not going to allow this type of behavior from any company. There are Lawes in place for a reason.

03/19/20I originally opened my first account with Amex in XXXX of XXXX. I called on XX/XX/XXXX to upgrade my card from a Deltagold card to a Delta reserve card. I was talked into openinga platinum card instead. I was originally very excited. I tried to make a purchase on XX/XX/XXXX and my myplatinum card was denied – I called platinum card services where they verified my identityand asked me to tryagain. We tried several times to run my card and then we were transferredto fraud. they begin to ask me several questions to verify my identityagain. After several hours on the phone while still in the store I decided to use another card. American Express said I need to take a government ID to be notarizedwithin 24 hours. I explained to them I was traveling out of the countrythe next day and can prove that with my XXXX flight itinerary. they sent me an email explaining how I could verify an alternate way usinga secured email. I submitted my document 3 differenttimes and they complained about the documents and requested a notary service. after getting my passport notarized they requested my social security card. Once I sent my social they requested ID. After getting my ID they said my account was under review. I never received a call back so I called on XX/XX/XXXX and requested a supervisor. I got a supervisor by the name of XXXX with the identity fraud department. She said she'd review my account and call me back. I never got a call from XXXX. I called back and spoke to someone stating my account was closed due to fraud. I called the next day and spoke with XXXX XXXX his direct number is XXXX he said he reviewed my account and can't understand why they made that decision. He asked if I could give him some time to review my account and get with XXXX. He called me back several hours later saying that he spoke with XXXX and my account will remain closed due to fraud. I contacted the corporate office and sent several emails and got the same info. Today XX/XX/XXXX I received a letter in the mail that stated my account was closed because my documents were altered.
My documents in no way were altered. I sent my SSN Card, passport and drivers license, all of which were valid and unaltered. I went to the passport office of XXXX and the SSN office where my documents were issued and all of my documents were verified. I also recently traveled out of there country with my passport without any issues.

I feel that they assumed I was fraud because I am XXXX XXXX they thought I wouldn't send my documents proving my identityand once they receivedthem they targeted me treating me like a criminal saying that I stole someones credit. This is horrible and if this issue isn't resolved I am willing to file a lawsuit against American Express for profiling me and denying services to me due to my nationality.
I believethat American Express closed my accounts after they saw that I was XXXX XXXX because there is no way to come to the conclusion that my documents were altered in any way.
I'd like both of my accounts reopened and I'd like to be compensated for the inconvenience. I aim willing to contact the media and go further if needed. I am not going to allow this type of behavior from any company. There are Lawes in place for a reason.

04/15/20American Express sent me a later stating the account was wrongfully closed and to call to reopen my account for my Platinum Card. When I called the letter was acknowledged but each time I call I am hung up on transferred to the wrong department. The Financial Review team lied to me, made discriminatory remarks about me being XXXX XXXX, and pretended that the letter does not exist. American Express is clearly attempting to hide something despite the numerous letters it has sent to acknowledge its mistake.
04/02/20America express business platinum card shut my account down. For point fraud claiming we used our points in a way that abused their policy. They would not tell me anything about what the alleged abuse We have NEVER done anything like that. That makes me even more concerned that there was fraud potentially on my account and instead of confirming its usage with me like any other company would when fraud is noticed. they indiscriminately shut my business card down.
That card is used to help pay vendors in my XXXX XXXX. The most vulnerable population during COVID 19 pandemic. Putting me in a cash flow crunch causing me to risk choosing between exorbitant PPE pricing, and payroll for my over 300 employees. The hindrance to my XXXX XXXX I XXXX for is absolutely sad! They a credit card are shutting down credit over a point issue that could possibly be cyber security breach that they are covering up!
12/19/19I have been an American Express business platinum customer since 2010 and never had a late payment. Last month after encountering a financial difficulty due to my main client refusing to pay its {$96000.00} invoice due to me, I called Amex to ask them if they have any options for me to pay my {$2000.00} bill that I wasn't able to pay that month. They told me, no and until I know when I can pay it, they can not do anything. I wasn't expecting for them to cancel my card after only one month late. They also canceled my personal credit card, which ends up reducing my credit score from XXXX to XXXXin 30 days. That caused to have all my other creditors to reduce my credit limits and raise my interest rates. Therefore I now have no credit card available, no income coming before after the holidays. and several accounts went to collection. Which will now end up costing me a fortune in damages created by that action from Amex.
12/18/19I recently was a victim of fraud where there was an account takeover of my Macys American Express. The fraudster had complete control of everything, my email, they shut down my cell phone, and all information was updated to their own. On the XXXX of XXXX I called Macys AMEX to find out that there were several fraudulent charges and that the fraudster closed down my credit card on XX/XX/XXXX. I stated that this is unacceptable since I did not close the account down and advised that it will also impact my credit history. At first they stated there was nothing they could do about it. I then asked for a supervisor who told me that they were going to research the interactions verifying that it was not me. I have not received a callback. They also could not tell me if it was just my AMEX line or both the AMEX and store credit line.
07/30/20I have had my American Express Platinum card since XX/XX/XXXX. I never made a late payment.
IN XX/XX/XXXX, I encountered fraud in my account. I called American Express to dispute two charges and was told I wasn't responsible for the balance that is being disputed, In XX/XX/XXXX, American Express closed my account. I called American Express Platinum customer service and they directed me to an office in Arizona, I was told to pay the balance that I disputed ( even though I was told not to, as they were investigating the fraudulent charges ) and they would reinstate my account, as they made an error. So I subsequently paid the {$1900.00} disputed balance in full ( even though I didn't make the charges ) so that I can have the card reinstated. American Express did not re-open my account and I was never credited for the fraudulent charges. I have called and sent them letters to re-open my account as I had points I never used, and I am still not credited for the fraudulent charges that I ended up paying for in addition to late fees that I was charged. Since I had the account since XX/XX/XXXX with excellent payment history, by closing this account with such a long history my credit score subsequently went down by 30 points in one day! And American Express Platinum also reported me 60 days late and charged me with two late fees, that also made my credit score decrease! Derogatory items stay on your credit for 10 years. Now my credit score is XXXX to XXXX for all three credit bureaus.
12/03/17I has XXXX miles saved up since 2011. My account was delinquent by {$13000.00} for 2 months. XXXX closed my account and took all of my points. The points alone could have paid for the balance. Total BS. Then XXXX told me if I paid the $ XXXX I can get a lower card instead of the Platinum. After I paid, I applied for a points reimbursement it was denied.
02/21/18I was unemployed for 6 months trying to stay above water. I had communicated with each one of my credit cards about the situation and what i was doing to resolve it. I was able to find a job finally and started getting paid and i paid all of my payments. When i went to pay my American Express payment I found out that they had decided to cancel my account. The customer service agent then told me if i paid the account up to date that he could work on getting my account reopened. So i paid a large sum of money to get the account out of the hole and he said he would start working on the rest. I called back today and they told me they won't reopen my account.
03/16/18American express decided to close my account without speaking with me in regards to a resolution … ..I spoke with a representative XX/XX/XXXX-XX/XX/XXXX week about payment arrangements …. Which I have two credit cards green card balance off {$960.00} ( which {$400.00} was being paid, the following two weeks would be an additional {$100.00} ), my other card which was {$350.00} ( with {$35.00} due which was paid that day ) … .. I received an email that my account is canceled. Called to follow up the young lady XXXX who does not work in headquarters she is currently located in XXXX -states the credit bureau made the decision. Then corrected herself by saying you missed payments …. Which I then explained I have had an issue with the green card because I was misinformed, I was unable to pay total balance, but I am making payments!! I asked for her title to ensure she was a supervisor, which she is not! I also would like to speak with headquarters for action but unable to. I explained that American express is breaking the law, we are currently in different countries, I have not received a far chance to correct my balance!! I still have a payment agreement set up!!
05/28/20On XX/XX/2020 I signed up for the American Express Financial Relief Program via chat. I thought the program would lower my interest rate temporarily for my Delta Gold Card but I had no idea that American Express would close my Gold Card ( charge card ) as a result. I misunderstood the person via chat and it's not listed anywhere on their website that they will cancel your charge card. When I began the process I told that my Gold card wasn't eligible for the program and if I still wanted to proceed, but I wasn't told that American Express would be canceling my charge card. I thought it meant only the Delta Gold card would receive a lower interest rate. Anyway, after I consented I was informed that my charge card was being cancelled. I asked the customer service rep to cancel. I was informed that it could not be undone. I've contacted customer service and was on hold for over 40 minutes before I reached someone. I was told the office was closed and I would have to speak with someone tomorrow. I was also told I could be removed from the program but I still don't know which is true. Either way, this was extremely deceptive.
11/23/18On XX/XX/2018 I received an email alert from American Express stating my account was cancelled and closed. I immediately looked online to my account and saw over 10 payments returned as NSF. I then went and checked with my bank account which I had already had to dispute transactions with and saw none of those accounts had those payments trying to show as coming through. I started to look further and saw my other cards were compromised I then looked online at my credit report and saw many inquiries and I confirmed that my identity had been compromised. I then contacted American Express and let them know of the issue and was told since this has just started or that the account was just closed it would be more sufficient to wait 24-48 to appeal the closure and send in supporting documentation. I wanted to dispute the cancellation of my credit card as this mess was created due to identity theft. Not only with fraudulent payments being made but also fraudulent charges were also added to my account. I have attached the police report, FTC Affidavit and I printed the statement for the past three months and marked off the disputed activity.
12/05/18American Express abruptly locked all my accounts without notice. Leading to a major stall with my business. This has caused major inconvenience to the business and altered daily workflow. American Express notified me that they required personal tax documentations. All charges on my cards were legitimate purchases made personally on my charge and business transactions on my business cards. I did not violate any terms or conditions and deem this process unnecessary. I have been a loyal customer since 2016. I recently paid {$95.00} annual fees on 2 separate accounts and have a {$450.00} annual fee posting this month. I paid for annual fees and do not have the ability to use my accounts. Every statement was always paid in full and on time every month. American Express is penalizing a loyal customer for no reason provided. They mentioned an increase in Spend but I have spent more than my current balances in the past and paid in full with statement closing. With holiday season they should not be penalizing for an increase in Spend. American Express has also already requested personal bank statements earlier this year because a college tuition bill was charged on my card. I do not believe American Express has the authority to lock and keep requesting documents from me, especially after just paying for annual fees to use their cards. No terms or conditions where never breached. Most of the business charges came from XXXX, XXXX XXXX, and XXXX.
12/31/18American Express consistently alleges it has the right to cancel my card without notice, reason or explanation. 1. ) This statement is in clear violation of 1666 ( c ), the cardholder " need not pay the amount in dispute until the card issuer has complied with 1666, '' and that pursuant to 1666 ( d ), the card issuer " may not restrict or close an account due to a [ cardholder 's ] failure to pay a disputed amount until the [ card issuer ] has sent the written explanation required by [ 1666 ( a ) ] '' Summary of this case from XXXX v. XXXX XXXX, XXXX, XXXX. It must be noted one of the reasons American Express provided for their decision to close my accounts was the revolving credit balances on my accounts. As this platinum card is required to be paid in full every month, the only remaining balance every month was the amount actively being disputed and investigated by American Express. This statement is in clear violation of 1666 ( c ) since the only balances revolving on my account were in dispute and my account was closed due to the revolving balance made up solely of disputed transactions. American Express violated 1666 once more when it failed to properly report the disputed amounts and status to the CRA 's when furnishing negative information. American Express claims all disputed charges were fully investigated and settled. This is contraindicated by reviewing the monthly statements where months after account closure American Express provided statement credits for newly resolved billing errors. While credits were issued for the charge in question, no statement credit was received for interest, fees or penalties assessed on these billing errors. Once again in violation of 1666.

I would also bring the following case summaries in opposition to the stance assumed by American Express : 2. ) Holding that a contract between a credit card company and card holder did not allow the credit card company to revoke the credit card after charges had already accrued because such a contract would be illusory Summary of this case from XXXX v. XXXX XXXX.
3. ) Holding that because American Express was a New York corporation, there was a sufficient basis to defer to the clause calling for the application of New York law Summary of this case from XXXX v. XXXX XXXX XXXX. XXXX.
4. ) Recognizing ability of parties to agree upon law that will govern contract provided choice bears some substantial relation to the parties to the transaction Summary of this case from XXXX XXXX v. XXXX XXXX.
5. ) Declining to give effect to provision in card member contract that would have effectively waived coverage of Fair Credit Billing Act Summary of this case from XXXX XXXX XXXX v. C.F.T.C 6. ) Stating that if the defendant " seeks to avail itself '' on the ground that " its cancellation was proper because it was for reasons other than those prohibited by [ 1666 ( d ) ], '' then the defendant has to establish those facts through " substantial evidentiary proceedings '' Summary of this case from XXXX v. XXXX XXXX, XXXX, XXXX.
7. ) Applying Maryland choice of law principles in upholding the contractual selection of New York law because one of the parties was a New York corporation and the choice bore some substantial relation to the parties or their transaction Summary of this case from XXXX v. XXXX XXXX XXXX. XXXX.

American Express has remained stubborn opposition to follow federal statutes and previous judgments. In doing so American Express also falsely advertises it's credit cards. Statements like : * '' No Matter How Many Miles You Travel, You Only Need One Card The Platinum Card can reward you at every stage of the journey. Earn Membership Rewards Points on travel purchases. Enjoy benefits on your way to the airport, while you relax in a XXXX XXXX before your flight, and once you arrive at your hotel. Discover all the ways it pays to travel with the Platinum Card. '' As well as " Why American Express? Small business owners used their Business Cards from American Express to fund more than {$200.00} billion in business purchases last year.

American Express Business Cards provide the funding that can help you buy what you need when you need it to run and grow your business. '' This would imply mutually agreed upon account terms, especially as each account is custom crafted on an individual basis. The stance American Express has taken and their unilateral approach to account terms, without the need to give any notice, invalidates these advertised statements. One can not trust this would be the only card they'll need or that American Express will fund their business purchases as they can unilaterally decide not to and plunge consumers and businesses into financial ruin should these advertised statements be taken as factual.

Furthermore, American Express took this adverse action based off information they were aware of was fraudulent on my credit report. While American Express was aware of my true and accurate credit report and that the new negative items posted were fraudulent yet based their adverse action on this fraudulent data knowingly.

01/24/19Please see the attachments at the end of this complaint the ignorance in the lack of education with these employees over the XXXX XXXX and outright ignorance is quite frankly. How they treat people over the phone As of today with no notice from XXXX XXXX XXXX.
Here is what they did : Hi XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended.

If you have any questions, please call Account Protection Services at XXXX.

Thanks, The Bluebird Team card Account ending in XXXX Hi XXXX XXXX, During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account.

If you have any questions or would like to inquire further, you may write to us at the following address : XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Thanks, The XXXX Team Hi XXXX XXXX, Thank you for your recent inquiry regarding unauthorized transaction ( s ) on your Bluebird Account.

We appreciate your patience while we complete the research needed to investigate your claim. We have enclosed the Declaration of Fraud form in order for you to provide us relevant details. Please complete it and upload the form through the following link within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim.

Declaration of Fraud Form Secure Document Upload : You can securely send your documents using your desktop or supported mobile device by : Clicking here Logging in with your account credentials and Uploading your documents If a response is not received or it is incomplete, we may be unable to verify your claim.

As a reminder, it is required we receive your Declaration of Fraud within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. If we do not receive this document within this time, you may not be eligible for a provisional credit.

We may take up to 45 days to complete our investigation.

If you need additional options for submitting your documents or have any questions, please call Account Protection Services at XXXX.

Thanks, The Bluebird Team Has decided to close the account with no proper notice no proof of claim and outright ignorance of this company that is handling issues of compromising of my own account over in the XXXX XXXX There is no reason to shut the account down no phone calls no nothing they just shut the account down a new card was sent to me within the last month!

My family I started to use the new card in the old one was stolen by unknow person It's quite frankly mind boggling the way this company operates how they can just shut your account down with no proper notice and they still have not settled the issues from several months ago with my card was hijacked and was stolen!!!!

We have made over 13 phone calls over the last 6 months there is well over {$500.00} in fraudulent charges on account nobody is done a XXXX thing about it in fact there are so ignorant you fax them and all they do is shut down at your account and keep the money!

Nothing they have no idea what you're doing refuse to do there homework and a company like this doing business I strongly recommend it be sanction and shut down immediately!!!!!
you put funds in the account and they just lose it!!!
The police said o well we can not do a XXXX thing!

XXXX XXXX XXXX and the Agent are Guilty of the following federal charges AND STATE : S 175.00 Definitions of terms. The following definitions are applicable to this article : 1. " Enterprise '' means any entity of one or more persons, corporate or otherwise, public or private, engaged in business, commercial, professional, industrial, eleemosynary, social, political or governmental activity.
2. " Business record '' means any writing or article, including computer data or a computer program, kept or maintained by an enterprise for evidencing or reflecting its condition or activity.
3. " Written instrument '' means any instrument or article, including computer data or a computer program, containing written or printed matter or the equivalent thereof, used for reciting, embodying, conveying or recording information, or constituting a symbol or evidence of value, right, privilege or identification, which is capable of being used to the advantage or disadvantage of some person.
S 175.05 Falsifying business records in the second degree. A person is guilty of falsifying business records in the second degree when, with intent to defraud, he : 1. Makes or causes a false entry in the business records of an enterprise ; or 2. Alters, erases, obliterates, deletes, removes or destroys a true entry in the business records of an enterprise ; or 3. Omits to make a true entry in the business records of an enterprise in violation of a duty to do so which he knows to be imposed upon him by law or by the nature of his position ; or 4. Prevents the making of a true entry or causes the omission thereof in the business records of an enterprise. Falsifying business records in the second degree is a class A misdemeanor.
S 175.10 Falsifying business records in the first degree. A person is guilty of falsifying business records in the first degree when he commits the crime of falsifying business records in the second degree, and when his intent to defraud includes an intent to commit another crime or to aid or conceal the commission thereof. Falsifying business records in the first degree is a class E felony.
S 175.15 Falsifying business records ; defense. In any prosecution for falsifying business records, it is an affirmative defense that the defendant was a clerk, bookkeeper or other employee who, without personal benefit, merely executed the orders of his employer or of a superior officer or employee generally authorized to direct his activities.
S 175.20 Tampering with public records in the second degree. A person is guilty of tampering with public records in the second degree when, knowing that he does not have the authority of anyone entitled to grant it, he knowingly removes, mutilates, destroys, conceals, makes a false entry in or falsely alters any record or other written instrument filed with, deposited in, or otherwise constituting a record of a public office or public servant.
Tampering with public records in the second degree is a Class A misdemeanor.

S 175.25 Tampering with public records in the first degree. A person is guilty of tampering with public records in the first degree when, knowing that he does not have the authority of anyone entitled to grant it, and with intent to defraud, he knowingly removes, mutilates, destroys, conceals, makes a false entry in or falsely alters any record or other written instrument filed with, deposited in, or otherwise constituting a record of a public office or public servant. Tampering with public records in the first degree is a class D felony.
S 175.30 Offering a false instrument for filing in the second degree. A person is guilty of offering a false instrument for filing in the second degree when, knowing that a written instrument contains a false statement or false information, he offers or presents it to a public office or public servant with the knowledge or belief that it will be filed with, registered or recorded in or otherwise become a part of the records of such public office or public servant. Offering a false instrument for filing in the second degree is a class A misdemeanor.
S175.35 Offering a false instrument for filing in the first degree. A person is guilty of offering a false instrument for filing in the first degree when : 1. knowing that a written instrument contains a false statement or false information, and with intent to defraud the state or any political subdivision, public authority or public benefit corporation of the state, he or she offers or presents it to a public office, public servant, public authority or public benefit corporation with the knowledge or belief that it will be filed with, registered or recorded in or otherwise become a part of the records of such public office, public servant, public authority or public benefit corporation ; or 2. ( a ) he or she commits the crime of offering a false instrument for filing in the second degree ; and ( b ) such instrument is a financing statement the contents of which are prescribed by section 9-502 of the uniform commercial code, the collateral asserted to be covered in such statement is the property of a person who is a state or local officer as defined by section two of the public officers law or who otherwise is a judge or justice of the unified court system, such financing statement does not relate to an actual transaction, and he or she filed such financing statement in retaliation for the performance of official duties by such person. Offering a false instrument for filing in the first degree is a class E felony.

FEDERAL BANKING CRIMES 18 USC 4 – Misprision of felony Whoever, having knowledge of the actual commission of a felony cognizable by a court of the United States, conceals and does not as soon as possible make known the same to some judge or other person in civil or military authority under the United States, shall be fined under this title or imprisoned not more than three years, or both.

18 USC 225 – Continuing financial crimes enterprise ( a ) Whoever ( 1 ) organizes, manages, or supervises a continuing financial crimes enterprise ; and ( 2 ) receives {>= $1,000,000} or more in gross receipts from such enterprise during any 24-month period, shall be fined not more than {>= $1,000,000} if an individual, or {>= $1,000,000} if an organization, and imprisoned for a term of not less than 10 years and which may be life.

( b ) For purposes of subsection ( a ), the term continuing financial crimes enterprise means a series of violations under section 215, 656, 657, 1005, 1006, 1007, 1014, 1032, or 1344 of this title, or section 1341 or 1343 affecting a financial institution, committed by at least 4 persons acting in concert.

18 USC 215 – Receipt of commissions or gifts for procuring loans ( a ) Whoever ( 1 ) corruptly gives, offers, or promises anything of value to any person, with intent to influence or reward an officer, director, employee, agent, or attorney of a financial institution in connection with any business or transaction of such institution ; or ( 2 ) as an officer, director, employee, agent, or attorney of a financial institution, corruptly solicits or demands for the benefit of any person, or corruptly accepts or agrees to accept, anything of value from any person, intending to be influenced or rewarded in connection with any business or transaction of such institution ; shall be fined not more than {>= $1,000,000} or three times the value of the thing given, offered, promised, solicited, demanded, accepted, or agreed to be accepted, whichever is greater, or imprisoned not more than 30 years, or both, but if the value of the thing given, offered, promised, solicited, demanded, accepted, or agreed to be accepted does not exceed {$1000.00}, shall be fined under this title or imprisoned not more than one year, or both.

[ ( b ) Transferred ] ( c ) This section shall not apply to bona fide salary, wages, fees, or other compensation paid, or expenses paid or reimbursed, in the usual course of business.

( d ) Federal agencies with responsibility for regulating a financial institution shall jointly establish such guidelines as are appropriate to assist an officer, director, employee, agent, or attorney of a financial institution to comply with this section. Such agencies shall make such guidelines available to the public.

18 USC 241 – Conspiracy against rights If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.

18 USC 656 – Theft, embezzlement, or misapplication by bank officer or employee Whoever, being an officer, director, agent or employee of, or connected in any capacity with any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 orsection 25 ( a ) [ 1 ] of the Federal Reserve Act, or a receiver of a national bank, insured bank, branch, agency, or organization or any agent or employee of the receiver, or a Federal Reserve Agent, or an agent or employee of a Federal Reserve Agent or of the Board of Governors of the Federal Reserve System, embezzles, abstracts, purloins or willfully misapplies any of the moneys, funds or credits of such bank, branch, agency, or organization or holding company or any moneys, funds, assets or securities intrusted to the custody or care of such bank, branch, agency, or organization, or holding company or to the custody or care of any such agent, officer, director, employee or receiver, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both ; but if the amount embezzled, abstracted, purloined or misapplied does not exceed {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both.

As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank and trust company which has become a member of one of the Federal Reserve banks ; insured bank includes any bank, banking association, trust company, savings bank, or other banking institution, the deposits of which are insured by the Federal Deposit Insurance Corporation ; and the term branch or agency of a foreign bank means a branch or agency described in section 20 ( 9 ) of this title. For purposes of this section, the term depository institution holding company has the meaning given such term in section 3 of the Federal Deposit Insurance Act.

18 USC 657 – Lending, credit and insurance institutions Whoever, being an officer, agent or employee of or connected in any capacity with the Federal Deposit Insurance Corporation, National Credit Union Administration, any Federal home loan bank, the Federal Housing Finance Agency , Farm Credit Administration, Department of Housing and Urban Development, Federal Crop Insurance Corporation, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, or the Farm Credit System Insurance Corporation, a Farm Credit Bank, a bank for cooperatives or any lending, mortgage, insurance, credit or savings and loan corporation or association authorized or acting under the laws of the United States or any institution, other than an insured bank ( as defined in section 656 ), the accounts of which are insured by the Federal Deposit Insurance Corporation, or by the National Credit Union Administration Board or any small business investment company, or any community development financial institution receiving financial assistance under the Riegle Community Development and Regulatory Improvement Act of XXXX, and whoever, being a receiver of any such institution, or agent or employee of the receiver, embezzles, abstracts, purloins or willfully misapplies any moneys, funds, credits, securities or other things of value belonging to such institution, or pledged or otherwise intrusted to its care, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both ; but if the amount or value embezzled, abstracted, purloined or misapplied does not exceed {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both.

18 USC 1005 – Bank entries, reports and transactions Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 orsection 25 ( a ) [ 1 ] of the Federal Reserve Act, without authority from the directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of such bank, branch, agency, or organization or company ; or Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft, order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or decree ; or Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank or trust company, which has become a member of one of the Federal Reserve banks ; insured bank includes any state bank , banking association , trust company, savings bank, or other banking institution, the deposits of which are insured by the Federal Deposit Insurance Corporation ; and the term branch or agency of a foreign bank means a branch or agency described in section 20 ( 9 ) of this title. For purposes of this section, the term depository institution holding company has the meaning given such term in section 3 ( w ) ( 1 ) of the Federal Deposit Insurance Act.

18 USC 1006 – Federal credit institution entries, reports and transactions Whoever, being an officer, agent or employee of or connected in any capacity with the Federal Deposit Insurance Corporation, National Credit Union Administration, any Federal home loan bank, the Federal Housing Finance Agency , Farm Credit Administration, Department of Housing and Urban Development, Federal Crop Insurance Corporation, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, or the Farm Credit System Insurance Corporation, a Farm Credit Bank, a bank for cooperatives or any lending, mortgage, insurance, credit or savings and loan corporation or association authorized or acting under the laws of the United States or any institution, other than an insured bank ( as defined in section 656 ), the accounts of which are insured by the Federal Deposit Insurance Corporation, or by the National Credit Union Administration Board or any small business investment company, with intent to defraud any such institution or any other company, body politic or corporate, or any individual, or to deceive any officer, auditor, examiner or agent of any such institution or of department or agency of the United States, makes any false entry in any book, report or statement of or to any such institution, or without being duly authorized, draws any order or bill of exchange, makes any acceptance, or issues, puts forth or assigns any note, debenture, bond or other obligation, or draft, bill of exchange, mortgage, judgment, or decree, or, with intent to defraud the United States or any agency thereof, or any corporation, institution, or association referred to in this section, participates or shares in or receives directly or indirectly any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such corporation, institution, or association, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.

18 USC 1007 – Federal Deposit Insurance Corporation transactions Whoever, for the purpose of influencing in any way the action of the Federal Deposit Insurance Corporation, knowingly makes or invites reliance on a false, forged, or counterfeit statement, document, or thing shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.

18 USC 1014 – Loan and credit applications generally ; renewals and discounts ; crop insurance Whoever knowingly makes any false statement or report, or willfully overvalues any land, property or security, for the purpose of influencing in any way the action of the Federal Housing Administration, the Farm Credit Administration, Federal Crop Insurance Corporation or a company the Corporation reinsures, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, any Farm Credit Bank, production credit association , agricultural credit association, bank for cooperatives, or any division, officer, or employee thereof, or of any regional agricultural credit corporation established pursuant to law, or a Federal land bank, a Federal land bank association, a Federal Reserve bank, a small business investment company, as defined in section 103 of the Small Business Investment Act of 1958 ( 15 U.S.C. 662 ), or the Small Business Administration in connection with any provision of that Act, a Federal credit union, an insured State-chartered credit union, any institution the accounts of which are insured by the Federal Deposit Insurance Corporation,, [ 1 ] any Federal home loan bank, the Federal Housing Finance Agency, the Federal Deposit Insurance Corporation, the Farm Credit System Insurance Corporation, or the National Credit Union Administration Board, a branch or agency of a foreign bank ( as such terms are defined in paragraphs ( 1 ) and ( 3 ) of section 1 ( b ) of the International Banking Act of XXXX XXXX, an organization operating under section 25 orsection 25 ( a ) [ 2 ] of the Federal Reserve Act, or a mortgage lending business, or any person or entity that makes in whole or in part a federally related mortgage loan as defined in section 3 of the Real Estate Settlement Procedures Act of XXXX, upon any application, advance, discount, purchase, purchase agreement, repurchase agreement, commitment, loan, or insurance agreement or application for insurance or a guarantee, or any change or extension of any of the same, by renewal, deferment of action or otherwise, or the acceptance, release, or substitution of security therefor, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. The term State-chartered credit union includes a credit union chartered under the laws of a State of the United States, the District of Columbia, or any commonwealth, territory, or possession of the United States.

18 USC 1021 – Title records Whoever, being an officer or other person authorized by any law of the United States to record a conveyance of real property or any other instrument which by such law may be recorded, knowingly certifies falsely that such conveyance or instrument has or has not been recorded, shall be fined under this title or imprisoned not more than five years, or both.

18 USC 1032 – Concealment of assets from conservator, receiver, or liquidating agentWhoever ( 1 ) knowingly conceals or endeavors to conceal an asset or property from the Federal Deposit Insurance Corporation, acting as conservator or receiver or in the

05/07/19On XX/XX/2019 American express abruptly shut down down my account and to date has not provided specific information as to why they shut it down.
I was told only in general terms '' " because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I have asked them a number of times on the phone, via fax, and via chat for the specific transaction that they feel was not used for its intended purpose and they refuse to answer.
07/20/19Hi I have been a customer with AMEX for quite sometime. I have XXXX personal accounts and XXXX biz acct. I fell behind on my XXXX account over 30 days. The XXXX account is in an XXXX. My XXXX accounts I have always paid within 30 days. I have had trouble paying my XXXX account due to a XXXX XXXX. AMEX is hurting my credit report since they have closed both accounts and are not reporting my history of making payments.

I am paying extremely high interest, The least that they can do is report my credit accurately.

06/17/19American Expressed closed all of my card accounts on XX/XX/2019. I had been a loyal American Express customer for over 2.5 years and had a 99 % payment rate for all of my cards. Prior to closing, I held the American Express Platinum Card, the American Express XXXX XXXX Card, the American Express Business Gold card, as well as the XXXX XXXX XXXX Card. However, I had made a large purchase with my cards ( some XXXX for my family ) that American Express deemed suspicious. As a result, American Express put my accounts under financial review. I cooperated with American Express and the IRS and provided them with as much information as I could to help alleviate any confusion over my accounts. I had filled out the form 4506-T, the request for Transcript of Tax Return, along with the cover sheet to American Express. However, I had put the incorrect address on the form as I had moved and thus the request was denied by the IRS. After submitting the form to American Express, I had to conduct XXXX training ( as I am an XXXX XXXX service member ) which put me in a location where I was unable to receive any calls, texts, or emails. American Express tried to contact me but I was unable to be reached, and they closed all of my accounts as a result. Upon returning from training, I contacted American Express and tried to explain the situation to hopefully get my accounts reopened. However, they not only denied my request, they also denied my request to reapply for those same cards. Faced with no other choice, I have resorted to filing this complaint.
09/26/19I received the following email from American express on XX/XX/XXXX.

" We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I called multiple times to find out what exactly I did only to be told I would receive a detailed letter in the mail but I never did receive any letter.

I had about 5 credit cards with American express ( business and personal ) and I always paid in full and on time with no issues since XXXX.

01/17/20American Express closed my account, as American Express had just charged me with an annual fee, I requested a refund. Heard nothing from American Express. Understand this is American Express standard operating procedure, not providing refunds.
11/05/19on XX/XX/XXXX, I received an email from American Express notifying me that all my accounts have been closed and my over 500,000 membership reward points lost. I was stunned, as all of my accounts were in good standing and I have been a loyal customer since 2014. I have never made a late payment nor abused the rewards program in any way. My credit report shows no negative remarks. American Express gave no prior notification of this closure, and shutting down my accounts without any notice is in violation of the Credit CARD Act of 2009, as it requires a 45-day notice to any significant change to the account.
05/20/20I HAVE HAD AM ACCOUNT WITH AMERICAN EXPRESS SERVE FOR WELL OVER 4 YEARS. HAD HUNDREDS OF DEPOSITS AND 3 TAX REFUNDS DEPOSITED TO MY ACCT. THIS MORNING XX/XX/2020 I WOKE UP TO AN EMAIL SAYING I RECEIVED MY UNEMPLOYMENT DEPOSIT. AFTER THAT MY ACCOUNT WAS LOCKED AND FROZE AND WAS UNABLE TO GET ANY INFORMATION AS TO WHY. NO WARNING NO REASON THE MONEY JUST DISAPPEARED AND ACCT CLOSED. I CALLED THEM WAITED ON HOLD FOR 6 HOURS AND SPOKE TO 4 DIFFERENT PEOPLE, 2 SUPERVISORS AND NOT 1 OF THEM COULD GIVE ME A LEGITIMATE REASON AS TO WHY MY ACCT WAS LOCKED AND SAID THEY WERE UNABLE TO EVEN SEE MY ACCT BECAUSE ITS LOCKED. I HAD {$980.00} IN MY ACCT AND NO ONE HAS AN ANSWER. THIS IS UNACCEPTABLE. I AM NOT SENDING MY PERSONAL INFORMATION TO SOME RANDOM PO BOX . SOMEONE AT AMEX STOLE MY MONEY AND I WANT IT BACK.
03/28/20On XX/XX/2020 I received an email from Bluebird that my account had been permanently suspended. I use this account to receive my pension and for helping my adult children make ends meet. I am a senior citizen, single and depend on this money to pay my bills each month. I have done nothing out of the ordinary and dont understand why this has happened. I reached out to customer reps and had to wait 3 hours each time, after which I received no resolution. The reps could not tell me anything I did not already know which was next to nothing. I am certain my direct deposit came in last night and I want a refund check given to me as soon as possible. I was told to write their escalation team a letter. This is the only means they are providing for me to get help! I dont have any alternative but to wait for the response to my letter which went out today XX/XX/2020. For this financial institution to do this sort of thing during these stressful and trying times is just immoral. Please help me.
04/19/19AE ( American Exp ) have closed 4 credit cards I had altogether without a legitimate reason. They sent me notice in mail stating that " it was no being used for its intended purpose. When I called ( twice on XX/XX/XXXX andXX/XX/XXXX ) and asked what it meant by " not used for intended purpose, both representatives said that the cancellation was a result of business decision. When I asked to clarify that, they said they have no more info than that and no one will be able to provide me with further info. They said I can write a letter to their CEO but it won't be helpful. I have a good credit score and always pay the credit card payment on time. One of the cards I have been used for years. There are two cards that I have for a few months and just paid membership fee. I have tens of thousands bonus point on a card that I lost as cancellation of card. I have financial loss as a result of AE cancellation without a clarification.
07/31/19Hello, I recently had my Bluebird by American Express account shut down at random. I have previously used the card with no issues. This time I have attempted to withdraw part of my XXXX $ in the account. The card declined. Then I called american express 's customer service and can only get an automated response. I am on XXXX and most of my money was on this account which I am now having witheld from me. I am afraid of the possibility of bankruptcy and this closure happened with no warning. I dont know how I will pay my bills or buy groceries now with American Express hoarding the last of my XXXX check. Please I need help recovering these funds as I have done nothing wrong. Thank you so much.
08/28/19I have had multiple personal and business accounts with american express for nearly ten years. I have never once not paid the balance in full before the due date. Given my flawless account history I have over a {$300000.00} line of credit with them. They have recently locked my accounts to do a risk review. I provided my tax returns showing healthy income and offered to submit my business returns which show 10 million plus in revenue. They said they only want the personal returns. 12 days later they permanently canceled all of my cards. They did not give me a suitable explanation besides that I was linked to another card holder who had a delinquent account. This additional card holder works for me a few hours a week, and I got him a card to purchase some basic office supplies once a week. I was not aware this account holder ever had financial issues with american express. As a result of this all of my accounts were shut down. American express refused to issue my points that were on the most recent statements which totaled over 200,000 points, in addition they refused to refund all of my membership fees totaling over {$1000.00}, and they demanded I transfer all of my points out of my account same day with resulted in a major financial loss. In addition I relied on this card for all of my business spending and now my business is crippled and can not be repaired for many months. I believe this level of bullying from corporate America is unjust and unfair to a small business owner. All assistance it appreciated.
08/05/20American express closed my account and dont want to re-open it.
07/29/20American Express saying when I pay my payment it 4 days late but they cant close my account because what happen cov19
02/02/20Amex Serve closed my prepaid account and emailed me that I violated section 12d and 15d of the card holder agreement. They wouldn't take my calls, just closed my account.

I didn't do anything. You can't do much with a prepaid card and we had the account for over 5 years.

Please investigate. We were already in the process of closing our account because we were very limited with Amex.

03/11/20Hello, I was given a 'serious delinquency ' by AmEx over the summer even though I was making monthly payments.
They told me there would be " no penalties '' for late payments because I am in the military.
I XXXX in XXXX ( the same month they cancelled the card ) and AmEx filed the serious delinquency despite my being XXXX and making payments in XXXX, XXXX, XXXX, XXXX, etc.

I filed a complaint with XXXX and they didn't do anything, would you please be able to assist getting this removed from my credit report?

Thanks!

04/29/20I had a death in the family and did not realized my funds were not available for my monthly platinum card payment due to my client 's late payments. I did not receive any phone calls from AMEX, but rather once my platinum card stopped working, I called in and found out and tried to rectify the matter. However, the person I spoke with said I had to wait for three attempts to take funds out of that account before a payment could be made. I told them the funds would not be available and I wanted to cancel the payments being taken from that account and they said that was not possible. They told me I had to have the bank do a stop payment. I tried to call AMEX again, but it was too late, the second round of requests went through. This time, the account that was used was another account saved to the profile, which was no longer a valid account. So I told them, again, this was not going to have funds. They said we had to wait another three times before I could make a payment. I went online and reprogrammed the correct account, which for some reason had deleted from the system. Th the third round started, and again, it defaulted to the incorrect account. What a nightmare that the computer going awry could not be stopped! Then I found out they closed both of my accounts, including one that had never had a missed payment – I have had a perfect payment history for over 15 years. Every time I have called over the past 4 months they try to get me to a supervisor, most of whom are unavailable and when I give my number to get a call back, I more-often-than-not do not receive a call. When an employee in one of many departments does try to do anything they also say they will call me back and do not. None of the departments have any regard to my loyalty as a long term customer nor to any personal loss I have had. They throw their hands up and say they can't do anything about how the computer is set up and can not override it and they throw up their hands and name off other departments that might be able to assist me, none of which seem to be able to assist … or they say I can re-apply. I have been getting the run-around, a big whirlwind of no one seemingly doing anything. They also each read off the same script over and over and continue to not treat me like a human being, but more like a robot. Every phone call I make is a two hour process where I am also being told things like, " you do not need to call us, we will call you, '' yet I do not receive that returned call. I have only been trying to be proactive and give AMEX money, but they are not trying to be of any assistance.
04/29/20I noticed on my credit report my American Express card was closed. I had a {$25000.00} credit limit with them, the highest of all my cards, so I noticed because my available credit being much lower than normal. This is how I was alerted my card was closed. I contacted American Express last week and was told it was closed to do inactivity. I get it, i hadn't used it in quite some time, but they didn't give me any warning. The guy I spoke with say they could reinstate my card because that it wasn't closed because of anything i did wrong. He said they would send me a new card in the mail. Since, my score has dropped a little ( XXXX now, was above XXXX ). I got a letter in the mail saying they couldn't reinstate my card because my credit score dropped. Again, it dropped because of THEM. I was just hoping they would open my card and my life would go back to normal. I tried reaching out to someone last night and they said i had to call account services today. I talked to three different people, kept being told i was at the wrong department until i got a woman who said i was sent a letter XX/XX/XXXX via my email that they were closing my account due to my credit score! I don't have this email in my records. She patched me over to a guy who said it wasn't an email, but a letter mailed out XX/XX/XXXX that says they're closing my account due to my score. That isn't what happened. XX/XX/XXXX was the letter i received that they couldn't reinstate my account — not that they were closing my account. I asked him why they would just up and close my account and they said they could do that at any point to anyone. I asked what would have happened if i had a balance and he said they reserve the right to close the account at any time making the complete balance due at that time. THIS IS INSANE. I can not believe they would do such a thing to their consumers. I have never missed a payment with them! I can't believe now, more than ever during a pandemic that they would do this! I am speechless. I don't even want my card reinstated, i will never do business with them again.
04/28/20On XX/XX/2020, american express closed all my credit cards without fair reason. Before closing, i have XXXX membership reward points and XXXX pending points, plus {$100.00} + cashback on my account.

After closing, they just drained all these points and my cashback. I have already paid about 4x $ 550+ $ 295+ {$95.00} annual fee ( total $ 2600+ ). After renewing these credit cards and paid all annual fee within less than several month, they cancelled my accounts and my cashback and points.

This is unfair and really disappointing. I demand the annual fee refunded and give back all my rewards points ( XXXX ) and cashback.

Thanks.

03/09/18Hi a couple of days ago I registered on the American Express website to setup my banking details and unfortunately I put in the XXXX # instead of the routing #. The payment was rejected twice, and just this morning I was able to rectify on line and make my first payment. In the mean time American Express has cancelled my account and won't reinstate it, despite making the payment and correcting the error.
I have to travel this week for work booking hotels and flights. This is my only credit card as have moved back from XXXX. This will greatly impact my work trip and also ability to make a living. They keep saying I'm ineligible to get in reinstated. Can someone please help me?
I have been an Amex member for over 25 years, but they still will not take this into consideration.
01/24/18American Express cancelled my credit account because of security concerns they said. They said they told me to verify the charges which I did through app before I stopped using their app and was paying of my debt through my debit account. They cancelled it by saying they asked me to verify the charges in 15 days but I never received a e-mail or mail stating I need to take action. My history has badly been affected and I am not in the position to pay off my whole debt Without using credit card at sometimes. I am a student and I really want XXXX to reactivate my account. thank you
05/11/18I opened up a XXXX XXXX account in order to get a XXXX XXXX Amex credit card. I then got it.

My XXXX XXXX account was closed.
Amex let me know I have until XX/XX/XXXX to open a new account or my amex card will be closed.

In XX/XX/XXXX I opened a new XXXX XXXX account.

Still Amex closed mt credit card on XX/XX/XXXX and blamed it on XXXX XXXX.

I called XXXX XXXX they said it was Amex decision.

Fact is someone is lying and acted against their own terms and conditions.

12/19/18XX/XX/2017 American Express sent me a letter stating they were closing my account. This letter was sent weeks after my account had already been closed, account restricted and reward points confiscated. Despite all this, I still had several billing errors under investigation prior to and after the improper closing of my account. Ignoring the fact American Express closed my accounts based off information they were made aware of several times was the result of identity theft, the accounts were still closed despite billing disputes still being active. With the accounts closed American Express began demanding immediate payment despite the remaining balance being due to billing errors which were under dispute. According to 1666. Correction of billing errors prohibits a creditor from attempting to collect a debt under dispute, including sending billing statements unless the account has been closed. The statute further continues to state " Restricting or closing by a creditor of account regarded by obligor as containing a billing error. Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. '' Yet, American Express vioalted this law and closed my account prior to providing any notice or fully investigating the billing disputes.
12/31/18On XXXX I submitted CFPB complaint : XXXX-XXXX for the following concerns : 1. ) American Express closed my account without notice. 2. ) All Reward Points were confiscated with no notice. 3. ) The account had active billing disputes. 4. ) 1666. Correction of billing errors prohibits creditors from 4a. ) attempting to collect a debt in dispute. 4b. ) prevents a creditor from restricting or closing an account with active billing disputes.

Now in response, 1. ) American Express states my account was closed due to A. ) FICO score despite being aware changed due to identity theft and fraudulent reporting. B. ) My revolving balances, which were not out of the ordinary as my accounts had never been delinquent and paid off in full every month. In fact, they had just increased my line of credit on my personal card. Additionally, a large majority of my revolving credit balance was in dispute. Which prevents American Express from restricting, closing, trying to collect or taking adverse action for enforcing my consumer rights. C. ) A Returned payment due to complications from the identity theft I was having to correct. This returned payment would never have occurred if the American Express Agent I spoke with had not told me to allow it to go through even though there wasn't money and just to pay the correct amount from the correct account. This advice was given to me as I contacted American Express right after initiating the payment and realizing it defaulted to the wrong account. I called to cancel the payment to prevent the returned payment but was advised not to. I made the correct payment from the correct account prior to the first payment being returned to keep the account from being late or delinquent in any way.

Taking this all into account it appears my accounts which to that point been paid in full and never delinquent were closed by American Express because the majority of my billing statement was in dispute and I was the victim of identity theft followed the instructions they provided to me, I was the victim of identity theft and followed the instructions provided by American Express customer support agents. Still American Express has yet to reply to the reasoning they closed my accounts violation 1666. Correction of billing errors took adverse action due to fraudulent information resulting from proven identity theft, closed my accounts despite having paid my cards in full every month having a XXXX revolving balance every month which was not in dispute, or why they closed my account despite following their instructions when I notified them of the error in payment account prior to the payment being returned.

Furthermore had American Express followed 1666. Correction of billing errors and provided me notice prior to closing my accounts and confiscating my reward points, I would have been able to cash in those reward points for a statement credit drastically eliminating the remaining balance, not in dispute on my platinum card.

01/22/19I called to ask for a retention offer and I never gave permission for them to close my credit card. I complained about 1. bad service 2. the annual fee.

The call got disconnected ( which in such a case has happened before and nothing happened after that ) and my credit card got closed 9 hours later against my consent and will.

I tried to have them reinstate it and they claim the card is no longer offered which is a lie at it's best. The card is a XXXX XXXX XXXX XXXX.

I would like to add that this has happened to me before and I was shot down by Amex all day until I opened a CFPB complaint … … it seems Amex won't move until they get pressed against the wall.

See link below that it is still being offered : XXXX XXXX XXXX I called them numerous times and spent more than 5 hours on this and was told yes we will get it sorted and all this and then only to get told no later on in the phone call.

In addition I have some {$7000.00} in charges that are eligible for XXXX points per dollar which is XXXX points and now I will also be losing these points.

11/27/19Hi, I want to ask for your help to reinstate my amex XXXX XXXX credit card account. My cards were cancelled last week for " dispute abuse. '' However, I do not agree with this conclusion. I used my cards frequently and actually daily and internationally. When you use cards everywhere, you will encounter problems you can not deal with on your own, that is the reason why we trust amex to help su but not denying your service! You can not cancel people 's cards without even a notification. I am travelling internationally right now and cards got cancelled brought so many problems I can not deal with, is this amex want to bring to your customers? This is not fraud or gaming the system, this is a loyal customer got embarrased by the bank he trusted and proudly used everywhere around the world. I called amex several times asked them to reinstate my account but they said to me it was denied and probably will get denied again. Just because some team claiming dispute abuse, a loyal customer suffered the consequence of not being able to use cards globally. I ask your help to make an reinstatement request for my amex hilton aspire card account again.
04/28/20American Express has not been helpful during this financial hardship period. I made numerous calls to the company only to be told they no longer own the account. The problem is I fell sick XXXX XXXX right before any mention of XXXX publicly and was still I'll for over a month. During this period Is when I started having financial difficulties because I was not working due to recovery. Although sick I still made a XXXX payment in full and XXXX partial payment in good faith, with the intention of paying the balance. XXXX XXXX XXXX I had to stop working again because of XXXX XXXX spread on XXXX XXXX, Nj. I was force to make a tough decision financially support my family with rent, food light XXXX 's pay credit cards. I recieved XXXX letter XX/XX/2020 stating that my account has been canceled due to ONE or more past due …. not 3 or 5 ONE or more … … I called the XXXX XXXX XXXX number only to be told deal with collections. A couple days later I received a letter dated XX/XX/2020 from a collections agency XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. On XX/XX/XXXX, I read hed to XXXX and XXXX and spoke with a MR.Diaz extension # XXXX who told me I can pay them {$900.00} a month for 24 month. The problem here is that this during an pandemic and EVERYONE is going through financial hardship. I mentioned that to him and no other reasonable amount was offered. My complaint is that AMERICAN EXPRESS I believe did not show and compassion or sympathy during this COVID 19 pandemic crisis. I was not able to explain that I was ill do to the virus and have all my doctor documents including xray of my XXXX XXXX. And also have another letter stating I was quarantine from XXXX XXXX till XXXX and then again XXXX XXXX till present. I have not been worked since XX/XX/2020 since I started the quarantine. I have not received any stimulus check … .unemployment or any other financial aid … … I owe American Express {$23000.00} I want to pay them …. that's what i owe them, all i want is for them to have giving me a fair chance to be able to continue paying them. But with a hardship program as they been advertising all over the internet. I fell I have not gotten that opportunity and I should due to my conditions. I was never made an offer via Mail … or email … … is this practice lawful during an national emergency declaration made my the President of the United states? I have all documents for anyone who is willing to help me and take on this bully of American Express. They should be put to shame for how they treat us during this crisis. Again I'm not asking to wipe away any debt. I Only want them to allow me to enter into a Hardship program to help me get back on track on paying off my debt to them. I dont know who else to go to. I have a XXXXXXXX and a XXXX year XXXX who I have ot stay home with because he has no daycare and here i am still fighting to want to continue to pay my Amex bill. Please help me. Again i have all available documents to support my claims.
04/08/20To whom it may concern, AMEX decided on XX/XX/XXXX to cancel ALL my AMEX accounts that I had with them. They gave me no valid reason for this on the phone, and just won't tell me why. I have been a customer of theirs since XX/XX/XXXX. This type of behaviour and inconsideration is unacceptable. I deserve better. I have never missed any payments, and always had my accounts in good standing with never having an issues with them.

I believe they have heavy handedly closed my account for a reason that was beyond my control and/or someone has made a mistake and won't own up to it. However, I suffer here because I have outstanding balances that I am used to paying over time for, but now they require the amounts in FULL. Each time I contact AMEX no one knows what is going on.

On XX/XX/XXXX I was alerted by XXXX that AMEX had opened an account under my name, which is not something I did. This reflects now on my credit score rating. Again I contacted AMEX and they won't tell me anything. I want this " new account '' taken from off my credit score and rating as I have not opened anything. They closed all my accounts down on XX/XX/XXXX and then ran a new account through a credit check the day after. It all seems too coincidental and I require answers.

Finally, I am demanding a pro-rata reimbursement of the {$550.00} annual fee I paid for my Platinum Account that AMEX charge. AMEX cancelled my accounts themselves, I didn't cancel them, therefore I paid them a fee for a service of the card that I haven't fully gotten, thus they have taken my money from me without keeping to contract of offering that full service for 12 months. I would like AMEX to reimburse this.

I look forward to their response.
Regards, XXXX XXXX XXXX

09/13/19I Recently had all of My american Express cards put under review and subsequently shut down. I have been using American Express for almost 10 years and was never once late on payment and had an impeccable track record. They closed me down because my income did not justify my spending. Although I do not agree, it is their right to do as they wish. They had issued all of the points in my accounts from statements that have closed, however there were XXXX points that were from the most recent statement that has not yet closed that they confiscated. Attached is a picture of my American Express points account from XX/XX/19 at XXXX XXXX XXXX. I called them to try to have them redeemed and they said they can not redeem them being that the account is closed. In addition I have 2 XXXX XXXX cards that also had open statements and the points were discarded. The last time I received XXXX XXXX was XX/XX/19. The spend since then was {$25000.00} which would be XXXX points that should of been rewarded to me. This is justified spending that i did and these points belong to me. Each amex point is worth XXXX cents and each marriot point is worth XXXX cents which is a total value of {$5800.00}. It is unfair how how large company like American Express could take advantage of a young hard working man trying to feed a family and confiscate such a large value unjustly.
07/24/19American Express is violating the ECOA that requires them to provide specific reasons for taking adverse actions.

I applied on XX/XX/XXXX for an American express credit and was approved.

On XX/XX/XXXX, I receive a vague email from american express : " We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' When I try asking for specifics what they are referring to me to they refuse to answer and stand behind their technical agreements which provide they can cancel the card for any reason.

This is the 2nd time they are doing this to me.

They did this a few month ago on another card, Just abruptly closing it with the same letter. I complained at that point to the CFPB and amex refused to answer with specifics.

Just the above mentioned email in no way explains in any shape or form SPECIFICS about why they closed it. This is just a broad general statement. I begged them to explain specifically what transaction they think was not used for the intended purpose, they refuse, standing behind legal gibberish. American express is violating ECOA.

@ Amex What about basic human decency? We had a relationship for about 18 years. Just terminating it without providing detailed specifics smacks of corporate detachment from basic human decency.
@ Amex Perhaps this is just some corporate bureaucracy issue and my concerns have just not reached the right individual at Amex. If that is the case, this time around kindly forward my concern to the proper authorized corporate individual at Amex that has the capability to respond properly.

08/09/19My card was closed by mistake and I tried to have it opened. They said sure no problem we could open it, then they told me they can't because they no longer offer this card but otherwise we would be able to open it.

This is a complete lie, see link below that the card is still being offered : https : XXXX

01/22/20Around XX/XX/2017 I was elated to be approved by Amex Green and two other products. Shortly after my credit cards were compromised by a previous roommate who had even made fraudulent payments. AMEX credit the fraud and I completely paid the amounts I had charged only to find out that they closed all my accounts. I was never late once and I paid for the products I had made with the AMEX cards. Since then I have tried a number of times to get my accounts reinstated but to no AVAIL. Is this how the AMEX banking system that is regulated by the FTC and Federal Government treats victims?
04/16/20Dear CFPB American Express Canceled my Business Platinum and other cards by falsely accusing me that i am sending altered documents.

They asked me to send XXXX i did send after couple days they said IRS is closed send Bank statement and pay stub and i did send it.

After couple days they canceled all my cards by falsely accusing me i sent altered documents which i did not.

I spoke also with Supervisor XXXX XXXX in financial review XXXX Arizona and she also gave me robotic scripted answer that my only option is to reapply.

This is just very wrong. they make up and falsely accuse you and close your account Please assist me to clear my name and reinstate my accounts. thank you

01/16/20Dear American Express Compliance/Legal Department, On XX/XX/XXXX I was informed via email by American Express that charging on my credit card account was suspended, and that I would need to complete and return a tax form called the 4506T in order to conduct a financial review. I promptly completed the form and followed American Expresss instructions to securely submit it. However, I mistakenly signed my name electronically whereas the form required me to sign it in ink. I was informed that I had made this honest error by XXXX XXXX, an Account Manager with the American Express Financial Review Team. His direct line is XXXX, extension XXXX.

I summarily completed the form again, signed it, and electronically scanned the document to send to American Express on XX/XX/XXXX. However, as I can now see, I mistakenly wrote the date as XXXX, instead of XXXX, due to my forgetting the recent New Years change. Today, XX/XX/XXXX, I contacted Mr. XXXX via phone to request an update on the status of my account. He informed me that the IRS had rejected my form 4506T because of my clerical error. This matter was also an honest mistake ; however, Mr. XXXX told me that American Express will not allow me to submit the 4506T document more than two times, but he specifically stated over the phone that this policy is American Expresss, not the IRSs ; the IRS would gladly allow me to submit another form. Mr. XXXX explained that because I had already submitted the document two times, I had no more chances to verify my income with American Express and that my account would be closed. Nevertheless, I would be very distraught if I were to lose my American Express credit card account.

I am submitting this complaint, along with the attached documents, to respectfully request that I may be allowed to submit my documents one more time, without error, so that my account may be reinstated, and I may enjoy the benefits of being an American Express Blue Cash Preferred cardholder.

Sincerely, XXXX XXXX

08/17/20American Express Closes my account for previous return payments, caused by my bank having my funds in hold. I asked amex to reopen my account and they dont want. They are breaching the contract of my both cards the hilton honors and XXXX XXXX. The agreement says : {$25.00} if your Account is cancelled, you ask us to re-open it, and we do so. If Amex dont comply with the agreement by reopening my both accounts, I want a debt forgiveness caused by the breach of contract.
12/11/17I have been an American Express card member since 1986. I recently received a letter informing me that one of my two accounts ( XXXX XXXX ) was under financial review. Bear in mind, my account has never been paid late, ever. In fact, American Express has increased the credit limit on the account twice, without my requesting the increase, in the past 12 months.

I was asked to give approval for XXXX to access my tax return. What? There is absolutely no reason/rationale for XXXX to make this request. I refused to give XXXX access to my tax returns and my account was closed.I believe this act will unjustly damage my credit rating since I still carry a balance on a closed account.

I also have a Platinum card with no credit limit and I have never been asked to produce tax statements.

I would like this issue investigated for fairness and lawfulness.

01/17/18American Express close my credit card account without send any notification. This is going to damage my credit history, never I authorized to cancel my account.
Today I call to check my account but nobody give me answer and then hang up the phone while I spoke. I need to restore my account and my credit history.

Thanks.

03/01/18I have been an American Express card Holder for 11 years, recently I had a situation occur where I made a clerical error in linking my Business card to an inactive checking account because I mixed up my account numbers. This caused several returned payments to American express. However, when this happened Amex would contact me and I would make my payment to them over the phone still paying the account on time and as agreed. There was some confusion at my bank and I couldn't figure out why payments were being returned. However despite this issue I always paid the account as agreed on time. Without any warning Amex closed not only my business card account but my personal card account as well even though my personal card was in perfect payment standing. They did this without notifying me properly. When I called customer service I was routed to an office in XXXX, where there were language and cultural barriers that greatly hindered any resolution to the problem and they refused to help me. When I asked what was going on they said my accounts were flagged by an " algorithm '' and automatically closed because of returned payments. After being a loyal customer for 11 years and paying my card on time as agreed despite a small clerical error. I expect superior customer service and humans that can think and reason to address issues created by XXXX " Algorithms ''. Further when I asked why my personal account was closed too they had no viable answer.
01/03/18This is a new complaint following the first complaint ( # XXXX ), They did not provide the fact that I had many calls between them and myself while I was hospitalized fromXX/XX/XXXX- XX/XX/XXXX due to a major car accident, or that I had made " good faith payment '' on XX/XX/XXXX on both accounts which would stop the the collections calls, but how can collections called be stopped but a cancellation continue for late payment? The small micro amounts are the payments AE asked me to make to avoid further calls or actions- Also the enclosure submitted to you as a response to CFPB seems to contradict their statements in the letter addressed to myself, which I still have not recieved as of this date.
None of the numbers, that were indicated in the Company 's response match up with the document provided in the response, – balances are not matching up and not documentations for the various payments and why requested by AE, its seems like like it was recently manufactured, since I have yet to received the response that was given to CFPB, even my company name is misspelled ( XXXX XXXX XXXX ) when it should be XXXX XXXX XXXX, I just feel looking at the documentation submitted by AE need to reviewed by an Independent Audit ; I also feel I was penalized for reporting this complaint and that this is not the first questionable practice by AE- they previous was order to provide restitution to it customers ( I believe it was in XXXX, which they were sued and lost about 80 millions ). I also feel they should not combine my Personal Green card with my Business Card availability since my Personal is under my SSN, and my Business is under my TIN which is also a LLC ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) .I never authorize a " personal guarantee '' was informed that I was personally responsible for my LLC finances, nor is it any listed that I am in my CMA or terms and agreement. I believe this is another questionable tactic which enables AE to make someone " personally responsible '' with in the Company which circumvents the XXXX XXXX Laws. They also indicated that they adjusted my spending due to my FICO score in XX/XX/XXXX, when it was its highest at XXXX or XXXX I believe- so again it does not make sense what they submitted.
11/06/18The credit card processor account offerred by the banks to accept credit cards, has a blacklist called MATCH which unfairly prevents individuals and small businesses from accepting credit cards. The banks use this list ban anyone for any reason.
12/14/18Allegedly, my account ending with XXXX ( Business Gold Rewards Card ) was SHUT DOWN for not complying with the offer terms.

1.Here is the shocker : there were no offers or promotional terms attached to this account as this has been verified by several account managers. Moreover, the account was not actively linked to any other cards at that time. So the linkage and pattern theory is flawed as explained by reps.

2. American Express has one of the strictest policies for sign-up bonuses that cap one per card per lifetime. I have already received the sign up bonus in the past for this product and this offer would not have been added as you insinuated. Your reasoning in this case is illogical and flawed, too. I strongly suggest that you get familiar with your policies.

12/03/18I have an American Express issued XXXX prepaid XXXX for three years. In XX/XX/2018, this credit card was cancelled and I suppose to receive a check of more than {$150.00} for my existing balance, which I did not. I have contact them more the 10 times using the customer service number at the back of the card ( XXXX ).
At the early contacts, I was nicely told that the check is on the way, and just be patient to wait one or two weeks. after 3 or 4 contacts, my phone call was transferred to a so called " technique support '' department ( I am not sure whether it is real or not ). I have contacted two people in that department, one call himself XXXX and the other is XXXX who is also claim himself the manager of the " technique support '' when I wanted to speak to his manager. And again another one month wait for nothing.
To my understanding, American Express is a big company with reputations, and that's the reason I keep contact them for several months before file the complain.
02/24/18On XXXX XXXX in the late afternoon I called AMEX platinum card, where my husband was the primary card holder. My husband passed away on XXXX XXXX. I called to close the account on which I was a secondary card holder. I was told by the company that if I did not pay the balance of {$3300.00} by the end of that day that the account would be turned over to a collection agency. Out of fear, and being in shock still from the death, I was intimidated into paying these expenses immediately.

Now that I have spoken to others I am being told that this was a brutal abuse to avoid having the company insurance pay the balance and that I should not have been held responsible for these expenses nor should I have been threatened into paying this immediately, especially in such an emotionally vulnerable state.

I feel completely abused by the disgusting display of brutality and abuse from a company that charged hundreds of dollars a year in fees and proceeded to keep my husbands earned points and blackmail me into paying medical bills and funeral expenses under pressure.

I will add that these recent expenses were spent on my husbands medical bills for his XXXX treatments and his cremation expenses. Is it necessary for AMEx to steal from a heartbroken widow?

08/05/19AMEX continues to report a business card as my account. The claim its true because payments have have been made. I'm attaching the last statement which is the only account I have had with AMEX and the only account I made payments on. Trying to tie a business only account to a personal account which was totally separate.
08/05/19After following up w/ XX/XX/XXXX Operations Manager XXXX XXXX via telephone on XX/XX/XXXX regarding disposition of the XX/XX/XXXX American Express ( Amex ) Card settlement agreement we negotiated, I was informed that Amex had retracted my account. As such, I wrote XXXX XXXX Amex Group President, Global Consumer Services on XX/XX/XXXX ( copy attached ) as follows : " Please reference attached settlement agreement. After affording Amex every opportunity to explain and/or correct the APR concerns conveyed in my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX letters, I sought assistance w/ resolution of my Clear Card Account billing dispute from its regulator the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), as well as w/ the New York XXXX XXXX XXXX ( XX/XX/XXXX Complaint ID # XXXX ). As the result of Amex discontinuing communication, both were closed w/o resolution.

At the urging of the New York XXXX XXXX XXXX, I also reached out to the New York State Department of Financial Services for resolution, but Amex continued to insist on payment of the {$6700.00} outstanding balance, including the approximate {$900.00} in charges and fees added after closing the account. Since there was nothing in my Amex agreement allowing it, I vehemently disputed it and refused to pay it.

Since both parties submitted supporting documentation to the CFPB in support of its argument, my XX/XX/XXXX letter also proposed allowing the CFPB to review the information submitted and render a decision. Instead of allowing for an unbiased ruling from its regulator, Amex opted to take steps aimed at closing the account. As such, the account was closed in XX/XX/XXXX and charged off 4 months later in XXXX. It was eventually turned over to collection agency XXXX XXXX, XXXX.

In a last-ditch effort to settle the matter, I reached out to XXXX XXXX on Thurs XX/XX/XXXX w/ a proposal for settlement. And while pleased w/ the agreed upon offer received via US Mail on Sat XX/XX/XXXX, the unilaterally added XX/XX/XXXX payment Due Date resulted in voiding the agreement. As shared in todays follow up call to Operations Manager XXXX XXXX, I will be returning to the DC area next week ( Sat XX/XX/XXXX ) and was hoping to care for this matter before moving. Since my negotiations w/ Amex never gained traction, I am most concerned w/ his informing me that Amex retracted the account as of the XX/XX/XXXX unilaterally imposed payment Due Date.

I took the liberty of having the agreement reviewed by my long-term friend and bankruptcy attorney XXXX XXXX over the weekend who felt it fair, but shared the following concerns : A ) Due Date too soon ( 2 weeks minimum if using US Mail ) B ) No signature ( include signature for accountability and follow up/contact ) C ) No time frame provided for credit report removal As time is of essence, please address the above and resend the offer via email to XXXX ( preferred ) or via Priority Mail Express or Priority Mail Hold for Pickup for Wed XX/XX/XXXX or Fri XX/XX/XXXX. '' Although I followed up w/ Mr. XXXX 's office 3 weeks later on XX/XX/XXXX, I'm yet to receive a response.

Regards, XXXX XXXX XXXX

10/03/19I noticed an unauthorized charge on my American express blue card back in XXXX XXXX. Talk with XXXX XXXX at fraud protection department on XXXX XXXX at XXXX.She had no reason why account was shut down with no notice! I am writing to inform you that I intend to pursue legal action in the form of a lawsuit against your XXXX XXXX XXXX. I have repeatedly attempted investigate this fraud on numerous transactions never sign or authorized by me!
TALK TO XXXX ID XXXX XXXX XXXX prepaid credit card shut down with no reason and no proper NOTICE and know have kept over {$320.00} of my money on my account.
Charges place on account that have never been mine no sign contract nor any swipe of XXXX XXXX XXXX!!!
Fraud Charge by XXXX XXXX {$75.00} AND {$5.00} ON XXXX XXXX AND XXXX XXXX TOTAL OF {$80.00} MISSING. I can not get into my account but all the Charges from XXXX XXXX FOR {$12.00} WHICH HAPPEND 5 TIMES!

No Contract, Non-Consent, no signature and : The Fake Company is a Fraud! They do not send any book and steal your funds from your Credit Card! Scam Alter : XXXX XXXX XXXX XXXX XXXX, California, USA Tel : XXXX XXXX The Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act. True to its name, the billing act 's primary goal is to establish consumers ' rights when goofs occur on the bill unauthorized charges, fraudulent charges, math errors, billing addressing mistakes and the like. The Federal Trade Commission website lays out those rights in detail. For this matter, nobody signs any contract with the Attachment of the false Charges. The Federal Trade Commission ( FTC ) is the nations consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace.

In addition, the Fair Credit Billing Act says that youll never be liable for unauthorized charges made while your card was in your possession. In other words, if the unauthorized charges were made with your credit card account information rather than your credit card, you wont be held liable if you still have physical possession of your credit card. See Per the Federal Reserve Board 's Regulation E, Electronic Fund Transfer Act.

Sue the company or take them to arbitration. Federal law permits you to sue the credit card company if it does not follow the dispute procedures discussed above or takes some action forbidden by law ( such as reporting a disputed amount as delinquent to a credit bureau ). However, your right to sue may be limited by a mandatory arbitration provision. Most credit card companies have slipped these provisions into their contracts ( probably one of those bill stuffers with tiny print that few consumers read ) that prevent you from suing a credit card company in court.

I make this affidavit to establish the fraudulent use of my card. I did not give, sell, or trade my credit/debit/ATM card, nor did I give anyone permission to use my card. I have no knowledge that my spouse or minor children made transactions on or after the date of the first fraudulent transaction. I did not receive any benefit from the unauthorized use of my card.
I had always associated the name American Express with quality ; but, they have lost any resemblance to quality or trust in the workplace. I DID NOT make or authorize this charge. See Attachment.

Take Notice of Reinvestigation of this unlawfully matter with intent to file small claims in this matter.If you discover someone has made unauthorized charges on your credit card account, you should : Immediately contact the credit card company. … If someone uses your lost or stolen credit card before you report it missing to the card issuer, you can only be held responsible for {$50.00} of any fraudulent charge.
comparing signatures, requesting documentation to assist in validating the claim, requesting a signed written statement from the cardholder or authorized user, and requesting information about the cardholder 's knowledge of the person who allegedly used the card or of that person 's authority to do so.
Electronic Fund Transfer Act The Electronic Fund Transfer Act is 1978 federal legislation that establishes the liabilities and rights of consumers whose funds are electronically transferred. Consumer protections include a mandate that all transaction fees for ATMs be displayed prominently on the machine and a prohibition on fees not properly disclosed. Consumer liability for unauthorized transfers due to card or PIN number theft or card loss is capped at {$50.00} if the customer notifies his bank within two business days. One thing that isn't clear to me is how someone got access to the card if no one is using it and it wasn't held by an employee. In your situation, I'd want to get to the bottom of this, so it doesn't happen again. The Electronic Fund Transfer Act allows banks and other financial institutions to place their own, voluntary caps on liability for unauthorized credit card charges and use of ATM and debit cards.
Please take notice the Billing Address is XXXX XXXX XXXX XXXX XXXX # XXXX New York [ XXXX ]. The fake Merchant has engaged in violations of the FCRA and FDCPA!
Further, I may be required to comply with a court order or subpoena to give testimony. I swear this affidavit is true and understand that making a false sworn statement is subject to federal and/or state statutes and may be punishable by fines and/or imprisonment. Thank you for your help.A card is deemed compromised when its information may have been exposed to a third party without your authorization. This happens after you use it at a commercial establishment to make a payment. When unauthorized people have access to your card data through a business, or private, public or commercial office.fraudulent charges to purchase that we never had business with this company is a complete joke the Customer service is in the XXXX islands and nobody fixes the problem all they do shut the car off and refuse to investigate the fraud there should be sanctions against this company!!!!!

08/29/19I filed a complaint with CFPB in XXXX against American Express, since filing the complaint I only received phone calls from American Express requesting I make payment. None of the Amex callers were aware of my complaint or calling to follow-up with my complaint. To date I have not had contact with American Express regarding my account. Today I check my account to see if it is fixed and it now says my account is closed. I have been with Amex since 2000 and now it says my account is closed.
04/17/19I opened a business gold credit card through American Express in the name of our business, XXXX XXXX XXXX. My husband is the primary for the businesses and all our banking so I listed him as the primary cardholder. We hold everything separately – house, bank accounts ( except one ), utilities, etc. I then ordered another card for me under the same account. I handle the book keeping and purchasing for everything, whether it is in my name or not. One day, I couldn't use my card. I called and found out that they had frozen our account and the reason I was given was that it was because I use my card more than my husband does. That is true. I explained our arrangement. The man said that I should use my husband 's card for purchases, which seems odd to me. I reminded him that I have paid off our balance every month. He said the only way to prevent it from being canceled was to fax them a bunch of financial information – all the same things that we had sent in when applying for the cards. So I told him that we had sent all that and he said we had to do it again and they " might '' let us keep our cards. I didn't send it. I don't want to do business with someone who treats customers that way. Then, they started calling to see when we were going to pay off the last charge, but they wouldn't speak to me – even though my husband had told them to because I handle all that. But they would still call every day and then not speak to me. We didn't deserve what happened. I have closed other AmEx accounts we had. And the continuing harassment is ridiculous.
08/13/20American express called me XXXX on phone
06/25/20American Express closed my card and began calling my company over and over again as a result of that closing with their internal debt collections. I asked numerous times for that to stop and finally lodged a complaint. I continued to pay the payment minimum balance but did not set it up on an auto draw so they would assume it would not be paid and start all over. I paid my XXXX payment online minimum balance as reflected in their website and now I am getting calls from an attorney representing them. I believe that this was retaliation for the complaints against them breaking rules and constantly calling my employer even after receiving written and verbal requests not to do so. I am not able to get online to make my payment today and have no intention of settling this debt at a lower amount.
04/10/20Despite these troubling times, American Express closed my account. Yes, I owe them money, but i did give them {$340.00} in XXXX. I just think with stay at home orders and having to close our business due to governor orders it is a crime that their greed would not let them work things out with a customer.
02/12/20On XX/XX/2020, I was notified that American Express decided to close my new account. I do not have many cards, but finally agreed to get a new one based on the offers I received from American Express. I used the card to send myself money via XXXX. This is an activity I do with other cards and it creates no issues. I was told that this violates the Cardmember agreement. This provision is buried in the agreement. I was surprised that I was not notified not to do this again prior to termination. If this is an offense that results in immediate account closing than it should be clearly and conspicuously disclosed to the consumer at the time of account opening. This was not the case in this situation. I think this sort of activity is Unfair and abusive under the CFPB 's operating law. I would like the action to be investigated and it would be helpful if the customer could make its policies regarding electronic payments and banking more obvious.
01/13/20hello i have an american express card that had about XXXX $ credit line and i have it for 2 years. i have been paying my statement bills 100 % on time and not a single late payment. all of a sudden a month ago they suspended my account!! when i called them they said that i have used my card in a way that it shouldnt be. they said that i cant use my credit card in my XXXX to send money!!! and they are going to cancel my account if i dont send them the bank statement that i used to pay credit card bills. i said i used to pay my bills with my own bank account for some time and i can send them the statement. but my son put my credit card acc on autopay recently and the recent payments are from his checking and i can also provide his bank statement. but they said that it should be my account and also it should be recent!!! like they wanted something impossible so that they can close my account. they said that i used XXXX in a way that i shouldnt have!!! i said why do u let people add their credit card in XXXX in the first place!!! they said that they wan na have this service to people!!!
after a week or so i got a mail that didnt say ANYTHIING about cancelation but it said that after review, my account credit is limited to XXXX , the balance that i had on my credit card.
after one more week i suddenly saw that they closed my account. when i called them she ( mrs XXXX ) said that she doesnt know anything about that mail!!!!! and she canceled my account herself!!!!!
this account was a 2 year old account and all of my payments were on time. they had no reason to limit and cancel my account. even if they had a reason to limit the account they sent me a mail that said nothing about cancelation and then sheepley closed my acc out of the blue!!! is this something personal so that somebody whenrever she wants and whatever cancels my account!
the chat support also said they refer my acc to collection!!! my last payment was less than a month ago and i paid due amount in full.i think they want to ruin my credit as well!!!!
pls help me so that they cant ruin my credit score. they already closed one of my old accounts and ruined my credit.
07/13/20XX/XX/2020, American Express Credit Card Company closed all my 5 credit cards ( 3 biz card + 2 personal card ) suddenly without any inquiry or conversation with me. The reason for closing my account is not being used for intended purpose. I called them multiple times to figure out what is not being used for intended purpose. They never gave me a clear answer.

My personal guess is because that I carried high balance ( over XXXX ) at that moment as my business do have a temporary need for credit at that moment. They may have a concern that I have trouble to pay the balance down.

But in reality, I managed my business very well and I could and would pay the balance down as I have done in the past 15 years. By XX/XX/2020, as arranged, I paid all the balance off, XXXX balance was left. There are no balance left in my account anymore.

These payments have been well planned and arranged before I use those credit cards.
I made these payments in time, which not only proved that my commitment is not speculated, but true ; also proved I am the loyal, caring, disciplined customer as I have been in the past 15 years.

Then I called American Express Credit Card Company to see whether they can help me reinstate my credit card. The customer service department saw a restriction which they don't know how to remove those cards. They failed to help me reinstate my cards.

Now the COVID-19 crisis is still going on, my business could help my family, and help maintain several jobs at this extremely difficult time. The shut down of my american express credit cards disrupted my business a lot. This action is not only to hurt a loyal customer ( 15 years good history ) with some decision made with insufficient information, also hurt all the peoples who are involved in my business, the vendor, the ligistics and so on.

I don't think anyone will benefit from this wrong decision, including American Express Credit Card Company.

The wrong doing should be corrected, and the justice should be maintained.

09/27/20Dear CFPB, I'm writing to enlist your help with a major problem I am facing. Recently, I've had two American Express Platinum Cards Cancelled without any notice, via mail, email, etc. I've been a member in good standing for over 20 years. My recent credit limits ( two cards ) was nearly {$18000.00} and another {$35000.00} " Pay as You Go '' credit limit. Both accounts have zero balances! I did not ask AMEX for help during the pandemic even though my business and family have been severely impacted, instead, I've used our savings and credit cards to make ends meet.

The issue which caused this nightmare was a returned payment ( paid the next day in full ) due to an inadvertent oversight on my part.

I changed banks from XXXX – to a local bank that helped us process our XXXX application and funding. Our banking relationship and our operating account are now with them. I updated the AMEX payment interface with the new bank account but I forgot to delete the old XXXX account which was the default bank account for all payments for years. When I made our last payment, approximately {$5000.00}, it was returned NSF as I had transferred the funds to our new bank. The next day, I immediately reprocessed the payment using our new operating account and it was paid. I have XXXX balances on both cards. I logged on two weeks ago to find that both accounts were canceled. No warning, nothing in the mail, no email, nothing! I logged in to my AMEX account one morning and I was devastated to see both cards were canceled.

The cancellations caused my credit utilization to rise over 90 %, naturally, my credit rating took a dive to XXXX. I tried reinstating my personal account last week, via customer service, and it was denied. Guess why? Low Credit Score and High Credit Utilization!

I have no idea what to do. You can't get to anyone with any authority to actually review the situation and make an informed decision. You can only ask for reinstatement, hope for the best, if denied, then ask again. I'm worried about payroll, our clients, and vendors. I've paid vendors via AMEX for years and due to the cancellation, they had to wait to get paid through a personal credit card I luckily had available.

I've always used AMEX for everything, I always paid, and the use of the cards have become part of our business processes. I don't know what else to do, the stress is overwhelming and AMEX shows no sign of doing anything, even after I wrote the CEO directly and he responded that " someone in his department would contact me '', I received an email and nothing else, I've even called the department directly, still nothing, and it's been a week.

Initially, I was told the following from AMEX.

AMEX REP : " Mr. _____ we know how hard things have been during the COVID Pandemic and we are here to help, let us look into the issues. In the meantime please know that we can help by waiving membership fees, monthly fees, lower interest charges, and even offer payment holidays '' On the AMEX site, they are clear about helping those in need during the pandemic.

AMEX SITE : If you are experiencing financial difficulties due to the effects of COVID-19, please get in touch with our Customer Care team to discuss your situation by calling the number on the back of your Card. Together we will work to find a solution for your particular situation, which could include waiving late payment fees and a payment holiday.

LETTER TO AMEX CEO : Dear XXXX XXXX, I'm writing respectfully, in desperation that you'll be able to help me or connect me with someone that can help save my business by reinstating my Platinum accounts ( both in good standing with XXXX balances ) that were abruptly canceled without any notice from Amex which has devastated my credit rating ( over XXXX points ) and any hope of closing the funding needed to save our company.

I've been an American Express fan and Platinum Cardholder for close to 20 years, I was even a Centurian member for three years ( XXXX ). Over those twenty years, our AMEX spend ranged from $ XXXX {$40000.00} per month, it was certainly well over $ XXXX in total.

I love AMEX and used it exclusively! In fact, your company enabled me, via AMEX points to send my cousin to XXXX on two separate occasions, to pick up her adopted daughters. First-class round trip! I can't tell you what that meant to my family and how it made me feel about AMEX.

That was over ten years ago, and things have drastically changed.

In the middle of the biggest fight of my life, steering our company through this insidious, destructive COVID Pandemic, Amex decides NOW I'm not a suitable customer? How could this happen?

I've tapped our savings and personal credit cards to make ends meet. I trimmed salaries but I haven't let anyone go, because I was confident that I would secure the funding needed to get back on our feet, but now it's all in jeopardy.

Due to the cancellation of my AMEX accounts, my credit utilization jumped to over 90 % and my credit rating ( FICO XXXX ) is XXXX and my XXXX score is XXXX! You don't need to be a credit analyst to know what's coming and it's not good.

I'm still stunned, I'm angry and confused, but most importantly, I don't know what to do. What do I do?

This will destroy us without intervention by someone at AMEX. I know you're extremely busy and if it wasn't for the extremely unusual circumstances I wouldn't need help, but I do, desperately. I don't expect a personal phone call, although it would be a nice touch and a stellar PR move : ), but can you please have someone, anyone that can help contact me?

Thank you and I'm sorry about the novel.

Respectfully, XXXX I don't want or need AMEX 's help waiving fees, etc., I just need our accounts opened so our business can function as usual without the stress on cash flow. Our clients are late paying so the 30-day term we had to pay AMEX is critical for us. We're getting by with major sacrifices by my staff, my family, and myself.

Any guidance would be greatly appreciated. BTW I have never in 20+ years of owning my own business, I have never complained to anyone about anything, but I don't know what else to do.

Thank you for all you do at the CFPB. Please let me know how I can help.

Best Regards, XXXX

12/26/19In early XXXX American Express closed all of my personal and business credit and charge cards with out notice. This not only left me without being able to get gas or groceries but effected my business as I had several business cards with American Express. They acted with disregard for my business and the several cards I held with them. I charged thousands each month on each of the cards and they were my primary card issuer I utilized. They were not commercially reasonable in their closure of my accounts and did not refund the annual fees I had paid, some a mere month ago. I reached out to American Express on multiple occasions and received no information regarding the closure of my accounts. My points were forfeited and earlier in the summer I had approx. XXXX American Express Membership Reward Points " clawed back '' with out specific reasoning. There practices are not consumer friendly and leave me and my business in the dark in regard to my " violations ''.
09/14/20Amex closed my account witouth my consent, they are breaching the contract by not complying to reopen my accounts. Amex Hilton Honors and Amex XXXX XXXX.
07/30/20XX/XX/XXXX, XXXX XXXX ( 3 days ago ) I received my backdated PAU Unemployment benefits that I and thousands of other Nevada residents have been fighting for after months of non payment forcing many people to lose cars, homes and cause hardships in general. So needless to say i myself had just been XXXX last year sleeping in my vehicle and looked again like that was going to happen, however on : XX/XX/2020, XXXX XXXX ( 3 days ago ) my combined weekly payment of over 23 weeks were deposited on AMEX Serve card with their acknowledgement from this note delivered to my email ______________________________________________________________________ Hi, XXXX, Good news!
You received a Direct Deposit from NEVADA ESD-DIR DEP, and the money is now available in your American Express Serve Account. Please keep this email for your records.

Transaction Details : From NEVADA ESD-DIR DEP Amount {$15000.00} Date available XX/XX/2020 Transaction ID XXXX Questions or want to learn more about Serve? Visit us at serve.com/help.

Thanks, The American Express Serve Team _______________________________________________________________________ Tue, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) Another Email informing me of this deposit Hi, XXXX, Good news!
You received a Direct Deposit from NEVADA ESD-DIR DEP, and the money is now available in your American Express Serve Account. Please keep this email for your records.

Transaction Details : From NEVADA ESD-DIR DEP Amount {$930.00} Date available XX/XX/2020 Transaction ID XXXX — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — – Then at this time and date of : Wed, XX/XX/XXXX, XXXX XXXX ( XXXX hours ago ) i received this from AMEX Serve card Less than 7 HOURS AFTER LAST DEPOSIT ABOVE I RECEIVED THIS!!!!

Hi, XXXX XXXX, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement.

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — I immediately called the customer service for that card and was told there's nothing they could do, i cant talk to anyone and i have to wait for them to decide whether or not they will cut and mail me a check for the funds in the account..
MY MONEY …. I HAVE BEEN WAITING ON for MONTHS from the DERT to pay BILLS and avoid being XXXX. LESS THAN 7 HOURS LATER The AMEX SERVE sends that letter above, locks me out of my account, without permission or asking me first about any of the issues they found. Im told to call back in 3 days and they " MAY '' decide to send me a check for my balance that i cant gain access to and they won't tell me. They tell me there is no one i can speak to beyond them and my account is permanently closed for good and STILL CANT TELL ME WHY.!!!!!! I'm in utter disbelief and the verge of a possible XXXX XXXX as this has been the issue in getting our payments in the first place from our local … DERT Unemployment where they gained national headlines, that had to be addressed by the court for not paying us … then less than 24 hours .my money has disappeared and know one will help me. I

05/17/18CFPB COMPLAINT # XXXX ALL INFO IS THERE. YOUR RESPONSE IS A COMPLETE AND TOTAL LIE.

YOU ADVISED ME THAT IF I DO NOT OPEN A XXXX XXXX ACCOUNT MY CARD WOULD BE CLOSED THIS IS TRUE.

THE LIE IS I HAVE ONE OPEN FOR A WHILE ALREADY.

I CALLED XXXX XXXX AND THEY BLAME ON YOU AND YOU BLAME ON THEM … .SOUNDS LIKE 2 KIDS … …

SEE ATTACHMENT … .STRANGE IF I HAD NO ACCOUNT … …

DEAR AMEX, TIME TO ADMIT YOU ARE WRONG HERE AND FIX THE ISSUE AND COMPENSATE OR I WILL TAKE ACTION.

01/29/20I received an email from American Express today. They closed my account. They stated it was because of some delinquencies on my credit report through XXXX. I have a fraud alert on my account with XXXX for over 5 years. That item that they are referring to is being disputed as fraud. For the entire 4 years almost that I have had my credit card I have never once made a late payment. I spoke with a person named XXXX. Someone was in the background laughing. I am not appreciative that no consideration was given as I am a fraud victim. I can be reached at XXXX to get this rectified. They never gave me an increase the entire time that I had this account. I am not happy with this issue at all and the fact that my score will decrease because this account is being closed. I would appreciate reconsideration given. Please see attached police report and a copy of my DL to verify my identity. I look forward to this being resolved. Thank you.
05/02/18Having had a credit card for some years with American Express we decided that since we have retired we no longer had use of their credit card. I called to cancel the card and learned that we have XXXX plus points that we earned over the years but were never given any information about the points until now. XXXX plus points have a significant dollar value and they refused to issue the points to us.
We feel that those were our earned points and we should have them issued to us.

Thank you,

01/04/19I had American Express Plantinum and Gold charge cards, and have admittedly had a series of late payments. As of yesterday, the company have cancelled the cards which is very troublesome. While I realize that this is their prerogative, I find it hard to believe that they cancell all cards that are late on payments. I know many people that have one or both of these cards, they carry balances, and pay late but their cards have not been cancelled. None of my recent payments have been 30 days late, and I fear that this cancellation will adversely impact my credit score. I really believe that this could be discrimination based on my last name and that is quite un-American and illegal if proven true. Any assistance that you could provide would be greatly appreciated. Thank you.
01/23/19On XX/XX/2019, American Express set me with a pre-set limit on my card of XXXX without advanced notice. They did this to me while fully aware my balance at the time was XXXX. Now it shows I am over my limit. I have never had difficulty making my payments on time, but a leak in my home caused me to fall behind. I am XXXX past due and as of today XX/XX/2019, I am 13 days past due. I called American Express on XX/XX/XXXX to get an understanding as to why my limit was preset without any advance notice and why they set the limit less than what my balance was. I expressed to them that this isn't consumer friendly and it was an unfair practice. I spoke to about 3 different people who were of no help. I finally called again and spoke to someone else and that person was very rude. She was aggressive and spoke over me the whole time. I decided to do a cease and desist and for my card to be closed out of frustration. Prior to her reading the required disclosures, I told her to hold off on closing my card until I spoke with a manager. She told me a manager would call me back. About an hour later, I got a notification that my card had been closed. The rep who closed my card did not have consent to do so. She didn't follow compliance and she violated federal regulations. She didn't read the required disclosures. I called back and asked to speak to a manager again. Still no manager to speak to. I was promised a call back the next day, XX/XX/XXXX, and I got no call back. I called American Express back to reopen my card and there was no resolution. My card is still closed. This morning, XX/XX/XXXX, I woke up to a threatening letter from them
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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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