Consumer complaint received 2021-11-08
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I applied for an American Express XXXX card in XXXX of 2021. I was approved a short time later and in that same month, received my card. While logging into the application, a subtitle on adding authorized users appeared and how to add authorized users, the value of doing so, and that there were no limits on how many authorized users that you could add. This intrigued me and I begin to add authorized users, all people of my same ethnicity, XXXX. I began adding authorized users, once added, the screen would shift to a confirmation page in which I would get the following message, Thank you! The following Additional Cards are expected to arrive at your primary billing address by ( date inserted by confirmation page, always different ). If all your additional cards have not been received within XXXX weeks, please call XXXX for assistance. It would also list the card type ( XXXX or XXXX, in my case ) and who the card is for. 

After I added around XXXX authorized users, I would notice that sometimes that I would not get an immediate decision and that I would need to call in and verify my identity and then confirm that I was trying to add the person in question, in which I did. This took a turn for the worst once I called in to verify that I was trying to add another authorized user. In XXXX of 2021, I called in to verify my identity, as was the process occasionally for adding authorized users when an immediate decision was not available. Once I spoke with the customer service representative, she confirmed my identity, which is normal. She then proceeds to confirm the person that I was trying to add, a traditional XXXX name. 
She then proceeded to say that I have a lot of authorized users and began to ask to follow up questions like, wow youve added a lot of people in a short time and that you do know that this card doesnt have a limit. She then began to tell me that she is recommending that my account go under investigation, even though I had paid every balance in full each month and that there was no other reason or suspicious spending activity. On XX/XX/2021, I was contacted via email and phone call to submit form XXXX and to inform me that my account was under financial review, during the phone call I asked what could happened during the review process and I informed her that I never had missed a payment and that I pay each balance in full each month. The customer service representative told me that there were different ramification and stated that often they would set a credit limit. After the conversation, I returned the completed form the same day. 
On XX/XX/2021, I was notified via email and voicemail that my account had been closed but they did not provide the reasoning nor information to provide an appeal. It is my belief that my account was closed due to discrimination of race because I added too many XXXX people as authorized users. The effects of this card closure is detrimental to credit score, my XXXX XXXX, and a XXXX  for my financial freedom.

Company response to consumer: Closed with explanation