Consumer complaint received 2018-08-31
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
American Express committed Breach of Contract and then went on to lie about everything, Leaving in a position where I was placed in a bad light with other creditors and when we questioned AmeEx, they simply responded with more lies. 
I ask that you have them turn over the recorded telephone conversations, where the agreement was clearly stated. 

XXXX XXXX XXXX XXXX. 

Dear XXXX, these are the gross LIES that I receive for an answer from AmEx. May I ask that they provide you with the recorded phone calls and the other statements which they say they advised me of. 

Complaint XXXX about AMERICAN EXPRESS COMPANY Were obligated to accurately report the status of your account We are obligated to report factual information to the credit reporting agencies. We do not have authorization or control over the calculation of credit scores or the impact that reported information has on those calculations. Your account was last reported to the credit reporting agencies on XX/XX/XXXX, as 30 days past due we may suspend the feature. 

If you had not changed the agreement about granting a sort of credit-line in a special authorization which was done through a recorded telephone call, I would not be in this position now. YOU LIE and I want a copy of those recorded phone calls because they PROVE THAT YOU LIE. 
The agreement wasand was recorded that way in at least 5 different occasionsThat I would be allowed to spend XXXX, XXXX throughout the month of XXXX and would be paying over time after XXXX. Each time that I would make an expenditure, I would consult with your office and it was approved. 

We may suspend account features We sent the enclosed letter dated XX/XX/XXXX, advising a spending limit had been placed on the account. We also sent the enclosed letter dated XX/XX/XXXX, letting you know the Pay Over Time feature on your account had been suspended. These letters provided the reasons for our actions. 

You continue to lie and breach the agreement, as your letter, the one you claim you sent on XX/XX/XXXX, came three days after the fact. That is, you had gone back on your word ( which is obviously worthless ) on my authorization to last until the end of XXXX and left me hanging with everything in the air. Unable to cover the expenditures for that month so I could begin paying in XXXX, as was the agreement you now so cowardly deny. 

We listened to calls We listened to the available phone calls you referenced and found that, although we provided correct information, we had an opportunity to clarify the additional steps you would need to take to move charges to your Pay Over Time balance. We apologize for any frustration this has caused. We made sure to provide feedback to the appropriate leader about this experience. 

Here, with these words, you again LIE SHAMELESSLY :, we had an opportunity to clarify the additional steps you would need to take to move charges to your Pay Over Time balance. That, of course is an outright LIE ; you never said such things in any conversation. It is so foul that instead you told me that the PAY OVER TIME FEATURE was already included in my account. You also XXXXIE OUTRIGHT by stating here that : We made sure to provide feedback to the appropriate leader about this experience. You never did ; all there was, was the agreement as originally stated and in the recorded phone conversation. 



We regret that you were not satisfied with your experience. We are committed to providing the level of service you want and deserve. We appreciate you sharing your feedback as it helps us with our ongoing process of creating a better customer experience. 
Thank you for your Card Membership since XX/XX/XXXX. We thank you for the opportunity to clarify your concern and hope to have answered your questions. 

You also LIE throughout this last paragraph that it does not deserve an answer. 


XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation