Consumer complaint received 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Express has employed unethical and abusive collection practices, has breached the terms and agreement of my two credit card accounts, and has substantially hurt my financial, physical and emotional well-being.

COMPLAINTS : # 1. - American Express violated the terms and agreement of two credit cards and attempted to collect a payment from me in ADVANCE of a payment due date.

My credit cards ( two ) were both paid as agreed and on time. I never had a late payment on any card since inception of the card. They attempted to get me to make a payment before a payment was due. This incident occurred in XXXX of XXXX. 

# XXXX American Express incorrectly reported my account type to the credit bureaus. Their negligence made it appear as if my approved credit limit was {$0.00} on my American Express Gold card. I was not supplied an established max credit limit at all. I was approved for an OPEN ENDED ( unlimited ) Gold American Express charge card. I contact American Express and asked them to correct their erroneous reporting to the credit agencies. AMEX reported my credit limit as " {$0.00} '' as a revolving account to the credit agencies. The account should have been reported as an opened ended charge account. Their mistake caused my credit score to drop substantially. 

# XXXX American Express XXXX XXXX XXXX  and XXXX. I began to notice a pattern that every time I contacted AMEX, the employees were using fictious first names. The names of the employees matched the names of my personal and professional contacts. They were answering the phone using the names of my personal contacts that are deceased family members.

# 4. At least two partners of American Express appear to be committing theft and acts of fraud or other crimes. My American Express Gold Card I suspect was stolen by one partner/merchant of American Express . I contacted AMEX to report the card lost or stolen and ordered a replacement card. The card went missing while I was renting a vehicle from XXXX XXXX, located out of XXXX XXXX XXXX NV. 

Furthermore, my card was declined by XXXX XXXX XXXX and XXXX without any reason at all. This incident occurred shortly after my credit card was stolen while I was still in an active rental agreement with XXXX. At the time, I was paid current on my credit card account and was not due for a payment. I had no late payments in the past and was not above an established credit limit. This incident occurred on XX/XX/2023. This is when AMEX attempted to collect a payment from me before a payment was due. 

# XXXX - American Express has cancelled both of my credit cards without my authorization and in retaliation against my cease-and-desist order. What is most upsetting is that I have been an excellent customer of American Express and have always paid on time. They abused me as soon as I began to use the card more frequently. They employed a " pay it later '' program that they are now reneging on.

Company response to consumer: Closed with explanation