Consumer complaint received 2023-01-18
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
This Complaint comprises of XXXX separate events, spanning XXXX XXXX XXXX issued by American Express. 

The XXXX XXXX XXXX XXXX XXXX XXXX when I contacted American Express and advised that I wanted to close my XXXX XXXX XXXX, after paying it down to only the Annual Renewal Fee ( {$250.00} ), advising Amex that my XXXX cards come to over {$1200.00} in Annual Renewal Fees. 

Per Amex 's provisions, you can close your card and have your credit limit transfered to one of your other Personal Cards. 

Subsequently, I rec 'd correspondence advising that my request could/would not be granted, as it would not leave enough credit on the card I wanted to close - exactly the opposite of that which I requested and in conflict with their own Terms and Conditions. 

After receiving this letter, I contacted Amex again, only to be hung up or disconnected XXXX times. When I finally was able to speak with at length of where there was a mistake on Amex 's end, the Rep advised she understood the mistake, and because there would not be enough time to process and close the account and save my {$250.00} fee, she would waive the fee and escalate the matter to Supervisory staff. The fee was never waived and now I have to pay it, as the XXXX period to exit has expired - through no fault of my own. 

I the received yet another letter, effecting the same mistaken response. Again, I contacted Amex, multiple times, with XXXX resolutions ande holding the costs.l, XXXX I received promised resolutions and calls, I received none XXXX  calling and using their chat features ( endlessly ). 

Last XXXX, on the XXXX, I had XXXX XXXX XXXX Gold, XXXX Plat, XXXX XXXX XXXX XXXX XXXX frozen, for lack of payment. In XXXX XXXX I have never missed a payment, been late, and have always paid multiples of required amounts - never the minimums!!! 

I paid, as I always do, every card at the start of the XXXX XXXX before the Due Dates. Amex demanded proof from my Bank, which I had done and faxed to Amex, with a detailed cover doc and proof Amex was wrong. 

I stead of follow-ups, corrective action, or proper assistance, as was promised, I was treated like XXXX In the past XXXX I have paid XXXX XXXX XXXX XXXX on my accounts. 

XXXX I received an email threat/demand for an additional {$900.00}, on top of the {$750.00} I paid the week before on my XXXX account, for a XXXX min payment of less than {$150.00}, in turn Amex getting/demanding {$1800.00} in XXXX XXXX in a balance, prior to charging my XXXX XXXX XXXXXXXX XXXX XXXX of approx XXXX XXXX  on a perfectly paid account, instead of admitting they were wrong! 

The next XXXX today, Amex took my limit down from approx XXXX to {$1700.00} as retaliation. 

XXXX XXXX, after I addedy XXXX as a co-user, the next XXXX, all my cards, had their limits lowered by approx XXXX XXXX  in XXXX XXXX again while perfectly managing my accounts. That tooky credit score from XXXX to low XXXX XXXX  in XXXX XXXX 

When they said I didn't pay, when I did, this XXXX, it further affected my score. 

And now this, I doubt I will have one any longer. This is blatant retaliation for their errors, acts, and commissions, otherwise however financially harming me and my financial future and scores- for doing everything as required and above & beyond. 

Now, they want me to pay {$550.00} for a renewal on a card they just dropped my limit down to but XXXX x 's the renewal fee. 

I am being extremely mistreated by Amex, for no good cause, save for proving them wrong and requiring they fix their errors.

Company response to consumer: Closed with monetary relief