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.

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

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

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.

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.

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.

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

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.

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!

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.

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.

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.

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.

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.

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.

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.

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!

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

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.

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.

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.

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

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

" 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.

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.

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!

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.

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.

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.

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.

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

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.

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

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

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

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.

Thanks.

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.

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?

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

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!!!!!

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.

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

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

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.

Thank you,