Consumer complaint received 2019-03-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have American Express Gold Card. The rules for my service is simple. AmEx is generating a bill once a month on every XXXX day of the month and I have 25 days to pay the bill. The due date is listed in my account. My current due date is today XX/XX/2019. My account is in good standing and all bills to this time was paid on time. American Express suspended my card at night Thursday/Friday - the night between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX at XXXX I received email Subject : " Important Information Regarding Your Account '' and in body message : >>beginning of the quote<< " We have noticed that the purchase activity on your account referenced above is higher than your usual spending. As a result, your balance is approaching a level where we may need to temporarily suspend your charging privileges. Please advise any additional Card Members on your account that their new charges may also be declined. 
To ensure uninterrupted use of your Card, please call us today at XXXX to discuss your account ( s ). We are available to assist you 24 hours a day, 7 days a week. 
We look forward to hearing from you soon. 
Sincerely, American Express Account Services American Express online customers may receive this notice at both their mailing and email addresses. '' >> end quote<< Please make no mistake about it, this email is not a confusing message, it is simply a lie. My account was already suspended! Outrageous is fact that this is nothing less but extortion attempt in order to illegally accelerate account payments. My bill due is {$2600.00} and suspension causes my account and Gold Card to be useless unless {$4500.00} is paid! 
On Saturday XX/XX/XXXX @ XXXX I received robo-call collection style with the message starting : " This message is from American Express XXXX Several attempts have been made to contact you regarding an important business matter ... '' ( this is recorded and I have a transcript ) Another lie. There was no attempts to contact me at all except to an email quoted earlier which has been send post factum and serves only as a attempt to create fraudulent evidence in case of client relations. 
In reaction to the robo call I called back American Express. I wast talking with account XXXX and then with supervisor. I explained that this is not happening and I can pay my bill on time if my account is unsuspended and fully functional otherwise I will pay {$4500.00} not earlier then 14-20 days after due date. I stated that this will be a final test and if my account won't be satisfactory for me after that payment I will close it effective immediately. In the response of that phone call I received next email today : Subject : Thank You : Promise Confirmation, message body : >>beginning of the quote<< " Dear XXXX XXXX, Thank you for your recent commitment to make payment ( s ) on your account ( s ) below. 
Account XXXX XXXX {$2600.00} on XX/XX/2019 Please accept our thanks if you already sent your payment. You can then disregard this notice. 
If you are no longer able to make this payment, please contact us immediately. 
Thank you for your Card Membership. 
We offer several convenient ways to make a payment : Online - You can make immediate or scheduled payments online at americanexpress.comXXXX Online without Logging in - Use XXXX XXXX XXXX to make a payment at americanexpress.com/paybyrsvp. This code is only valid until XX/XX/2019. 
By Phone - Call us anytime at XXXX ( XXXX ) AutoPay - To help you pay on time in the future, enroll in AutoPay to schedule ongoing automatic payments at americanexpress.com/autopay Mobile ( Card Products Only ) - Download our mobile app or visit americanexpress.com using your smart phone or tablet Sincerely, American Express Account Services XXXX '' >>quote end<< ANOTHER LIE!!!!! 
This is absolutely unacceptable and no longer can be explained as simple negligence. This is a business plan in motion step-by-step to create fraudulent evidence of not existing activity in order to vindicate client who follow the rules. This must stop! American Express can not change the rules of the game during the game and benefit on that changes. This is simply illegal.

Company response to consumer: Closed with explanation