American Express Cancelled My Account and it is Not Fair


Dear Steve,

Longtime cardholder with American Express who has never, ever missed payment

American Express canceled my card after I was a cardholder for over a decade. The cited reason was that I directed mean language towards a representative. This seems insane, and I have no recollection of being mean or abusive. Is this legitimate? Will it impact my credit score? What steps should I now take?



Dear Mitch,

Unfortunately, it is their card, and they can cancel your account at any time.

It certainly doesn’t sound like you’ve been given a fair shake, but your options are limited outside of attempting to escalate this and see if someone will take it seriously.

It could impact your credit if this were the only open credit card you have. You typically want three cards in case something like this happens.

My advice would be to send a level-headed request to the CEO of American Express by some traceable method and ask for reconsideration to activate your account again.

It always seems better to send the request to the top and let it filter down to the appropriate level. But, unfortunately, this will not be a fast solution.

The mailing address is:

Stephen Squeri
Chairman and CEO
American Express
200 Vesey Street
New York, NY 10285-3106

I Would Suggest Something Like This

Please edit the parts that are incorrect or need more information.

Dear Mr. Squeri,

I’ve been a loyal American Express customer for the better part of a decade, and my account has always been in good standing.

Recently I was informed my account was closed, and the reason given was I directed mean language towards a representative.

I understand holding an American Express account is a privilege. As such, I have never knowingly directed any inappropriate language towards a representative. I have no idea what the reason given could be referring to.

It is well within the rights of American Express to close or cancel accounts as it fits the business purpose. In this case, it would appear my account closure was in error, and I would be most appreciative of some assistance to have my account reactivated.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.
See also  ML Writes In, "I Can't Pay My American Express Card."

My account number was XXXXXXXXXXXXXXXXXXXXX.

If someone needs more information, they can reach me by phone at XXX-XXX-XXXX.



Send This the Old Way

I would suggest you send a letter like the one above by regular hardcopy mail. It is far too easy for an email never to be seen.

If you decide to send the letter, or one like it, please come back and comment and let me know what happens.

Damon Day - Pro Debt Coach

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