Consumer complaint received 2021-09-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Approximately XXXX years ago I was contacted by American Express fraud department . AMEXs fraud department stated they were concerned that my AMEX Platinum card had just been used for an unauthorized XXXX  ride. The fraud department advisor also stated that my account was so compromised that they were requiring me to shut my card down. 

American Express fraud department also stated explicitly that my balance would be transferred to the new replacement card that they were requiring me to open to replace the aforementioned one.

At the same time AMEX also stated explicitly that my credit history would move from the old to the new. So that I would not lose any valuable earned credit history that had been built over the years. For example I had accumulated approximately XXXX AMEX points and carried sizable monthly average balances in the past. 

None of this happened. AMEX did not transfer the then current balance to the new card. Amex did not carry over any part of the positive credit history to the new card either. After I received my new card I checked the account dashboard. The old card was gone. In its place was an image of the new card. 

What AMEX had done though was open a new account while concealing the fact it was maintaining the old one. Any trace of the original account was removed. So all I could see when I logged on to my American Express dashboard was one account with one balance which I For the last year Ive made sure that American Express statements are paid off in full. 

However after putting in place all the safeguards mentioned above shockingly my account has still been locked many times over the last year. How, why, from what? I did a complete re-organization to completely accommodate American Express 100 %? What could it be now? 

The same almost identical pattern as mentioned above has taken place again at AMEX over the last 12 months. Approximately six weeks ago it turns out American Express has been allowing invisible unauthorized charges to go back to a long since closed credit card account.. ( and just like before not on my dashboard ). Ive never been able to see or discover anything. 

It turns out Ive been charged hundreds of dollars in late fees and American Express has been devastating my credit .again. False credit reports based on fraudulent activity originated by American Express and its employees. It is my strong personal belief that this is happening on a large scale systematic institutionalized basis as an effort to undermine the consumer and allow American Express to control any and everything it wants. 
monitored and paid. This went on for quite some time several months then past a year. At that time in my life I was in and out of the hospital. All the while keeping track of, and paying, my bills.

Given the circumstances of the time my life was on a more serious level than Id ever known before. And thats when it all began to really happen poorly. All of a sudden my AMEX account starts getting shut down regularly. I could not figure out for the life of me what was going on and why. I called and called Amex. I asked AMEX a tremendous amount of questions to ascertain what was going on. Rather than address and explain to me honestly what had happened during the card transfer mentioned above AMEX deceptively re-entered original ( hidden ) account onto the online dashboard. 

Now I had two cards on the dashboard and my overall balance more than doubled putting me past my limits. To include fees, fines, derogatory reporting, and aggressive and insulting phone calls from AMEX. 

American Express deceitfully abandoned the implied and explicit aspects of our agreement at the time. American Express intentionally and with malice single-handedly created the situation which caused harm to me. AMEX then used the very situation they created and used it to harm me. AMEX caused great financial and XXXX XXXX. AMEXs actions effected my credit and forced me to forfeit Business opportunities, refinance opportunities, and higher cost of living. The same actions AMEX also took a great toll on me XXXX. 

For the last year Ive made sure that American Express statements are paid off in full. 

However after putting in place all the safeguards mentioned above shockingly my account has still been locked many times over the last year. How, why, from what? I did a complete re-organization to completely accommodate American Express 100 %? What could it be now? 

The same almost identical pattern as mentioned above has taken place again at AMEX over the last 12 months. American Express has been allowing invisible unauthorized charges to go back to a long since closed credit card account.. ( and just like before not on my dashboard ). Ive never been able to see or discover anything. 

It turns out Ive been charged hundreds of dollars in late fees and American Express has been devastating my credit .again. False credit reports based on fraudulent activity originated by American Express and its employees.

Company response to consumer: Closed with monetary relief