Consumer complaint received 2021-04-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express took it upon themselves to cancel my Business and personal credit card without any notice at all, based on a secretive review on allegations of Abusive behavior The XXXX XXXX card number is XXXX XXXX XXXX I dont have the XXXX XXXX number on hand. 

The XXXX XXXX XXXX  card was the primary form of payment for supplies, tools, vendors and all other business related items. With a {$51000.00} limit it was a very powerful purchasing card for the contruction company. It will effect the whole company all the employees financially negatively. 

It has already caused our billing and the administrations a day of extra work. The problems AMEX has caused is not finished. this arbitrary handling will continue to be a problem moving forward, since the Company relied on the card for approximately 90 % of the purchases. Bottom line is this out of nowhere accusation and decision making from AMEX specialist team has caused XXXX XXXX XXXX financial damage and hardship. 

The Personal card was {$4000.00} limit and rarely used. it has been a good back up card for myself for groceries, clothing and other smaller shopping items. 

We and myself have been and are in good financial standing with all financial institutions. The AMEX and other credit cards are usually paid off every month. I cant recall any issues or late fees, as a matter of fact I have been until now very pleased with AMEX. 

Another odd thing is, I was not notified at all, about the cancellation. I found out myself when I opened the AMEX app to make my monthly payments, then I saw the account were cancelled. When I reached out to the number on the back of card about the cancellation they gave me another number to call : XXXX and said they could not give me any details or further information that I must call that number to find out any detail on the account. At first, when I called the above number given to me it went to voicemail, because they arent available until XXXX XXXX XXXX. I called back after XXXX XXXX and Spoke with XXXX. 

XXXX explained that there was an extensive review done and that the card was being cancelled due to an alleged phone call I made within the past 2 months with one of their representatives. When I asked for a bit more details he refused and said that they are not giving me any further information and that the decision stands and I will never be able to open an AMEX account again. 

I continued to question the reasoning because I truly cant recall any problematic phone calls with Amex ever in the years past, especially not the past couple months. 

After Seeking verbal council from my Attorney, I called back and Spoke with XXXX. I wanted to ask if theres any way to contact anyone else. She explained the same except that for it was allegedly a phone call made now 2-5 months ago I asked what they considered Abusive behavior and she couldnt give me a definite clear answer other than possibly, vulgar language and that the decision stands. She stated that I could write the their XXXX in New York and gave me their address to write a letter. This was pretty much the same XXXX said on the previous call. 

Both representatives of the Specialist Team withheld any information that would allow me to truly follow what they were talking about. I asked for The date of the alleged phone call, I asked for the recording and/or what was exactly said and I asked to speak with someone that supposedly extensively reviewed and confirmed it was me. They are not allowing me to gather any further information on the matter. I dont have a notice of cancellation, I dont have a case number nor anything similar. SO far al I have is verbal statement of 2 representative of the AMEX specialist team. 

I would like to know the facts behind the allegations. Not just a verbal statement allegation of Abusive behaviormade sometime in the past 5 months. 

What concerns me the most is the withholding of important information about my account with them and then using this withheld information for the reason to permanently cancel my accounts.

Company response to consumer: Closed with explanation