Consumer complaint received 2016-08-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
The XXXX XXXX/XXXX/16 AMEX-to-XXXX credit card conversion resulted in tremendous adverse impact on my financial, medical and emotional well-being. I hold AMEX completely responsible for this horrific situation due to their actions and inaction. 

I spent more than 60 hours involved in phone calls, emails, Certified mail, web searches etc. to determine what happened. Several managers at XXXX have confirmed they would appreciate my business, but were unable to transfer my XXXX-AMEX account to XXXX. Every XXXX Manager I spoke to said that they were unable to complete my account set-up because AMEX purposely withheld the transfer of my account information to XXXX. Further, the XXXX managers told me that AMEX 's withholding of files occurred with many, many customers. 

BACKGROUND : Several weeks prior to the XXXX/XXXX/16 conversion date I received a new XXXX card. I called the XXXX number immediately to confirm receipt of the card. Per XXXX 's advice, I waited until XXXX/XXXX/16 to register the card online. I was unable to register the card on that date because AMEX had not sent my account information to XXXX. I was hopeful that this problem could be resolved quickly. 

It was critical for me to open the XXXX account on XXXX/XXXX/16 because I needed XXXX filled at XXXX XXXX and had no other VISA-branded credit card to pay for it. Without the medication my life was in jeopardy. I incurred repeated episodes of atrial fibrillation which can lead to XXXX. In addition, I began having repeated XXXX and XXXX. 

For many hours and on a daily basis I communicated with XXXX, XXXX and AMEX. When I finally received word from XXXX that AMEX confirmed they would NOT be sending my account information I was aghast! I needed a resolution to this critical problem post haste! 

I went straight to the top. On XXXX/XXXX/16 I sent an email letter depicting the critical, life-threatening nature of this problem to XXXX XXXX XXXX XXXX, Chairman of the Board and CEO of American Express. No response whatsoever was received. 

Subsequent email follow-ups were sent to XXXX XXXX on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. A copy of the XXXX/XXXX/16 email letter was also sent via certified mail. ( Due to extremely poor, rapidly degrading health conditions I did not send any letters from the period of XXXX/XXXX/16 to XXXX/XXXX/16. ) I have digital receipt confirmations for the 5 emails sent to XXXX XXXX. I also have a signed certified receipt for my letter sent via USPS on XXXX XXXX, 2016. 

Given the EXTRAORDINARY, URGENT and CRITICAL nature of my XXXX, would n't it be reasonable to assume that I would receive a call and/or an email from XXXX XXXX to see what they could do to expedite my XXXX and XXXX needs? 

It has now been 58 days since my original letter to XXXX XXXX, and apparently it IS unreasonable to assume that I would receive any communication from XXXX XXXX ( or indeed from anyone at American Express ). 




On XXXX/XXXX/16 ( twelve days after the " conversion date '' ) I received an AMEX form letter dated XXXX/XXXX/16 advising me that my account will not be transferred ( no reason given ). Additionally, it said I would be receiving an AMEX Blue Cash Everyday Card on XXXX/XXXX/16. I did not request this card, nor did I want it. In fact, had AMEX checked they would have discovered that I signed a Permanent Opt-Out Election form for the very purpose of halting unsolicited credit cards and offers! 

The only things that I HAVE received from American Express are : - Life-threatening, critical physical and mental health problems currently and in the future - 60-plus hours of my time wasted - Complete, XXXX, XXXX and XXXX. 
- Irreparable damage to my formerly stellar ( prior to the AMEX fiasco ) credit card rating and FICO score of XXXX.

Company response to consumer: Closed with explanation