Consumer complaint received 2022-07-03
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Claim by Private Right of Action Notice, it is a Fact, that, I, XXXX XXXX, a protected consumer, affiant, received a written communication ( hereafter Letter ), dated XX/XX/2022, addressed from American Express - XXXX XXXX XXXX - XXXX XXXX, FL XXXX americanexpress.com and American Express National Bank ( Hereafter AMEX ). 
Notice, it is a Fact, that, this Letter further states, on page one ( 1 ) ; We wanted to let you know that we have assigned a Preset Spending Limit of {$1000.00} to your account.

Reason ( s ) for Our Decision We reviewed several pieces of information when making this decision, including your history with us. 
We made this decision for the following reason ( s ) : We have identified charge activity on your account that was submitted by a merchant with which you are associated. We believe no goods or services were rendered by the merchant in connection with this charge activity. 
Notice, it is a Fact, that, this Letter further states, on page two ( 2 ) ; Important legal notice : Effective immediately, we are changing the terms of your Cardmember Agreement and have assigned a Preset Spending Limit on your Account in the amount noted above. Accordingly, the paragraph of the Using the Card section of that Agreement that begins with " We decide whether to approve a charge '' changed to the following.

This Account has a Preset Spending Limit disclosed to you in a letter and on your monthly statement. If at any time your total balance exceeds this Preset Spending Limit, we are more likely to decline to authorize your charges. We may approve charges that cause your total balance to exceed the Preset Spending Limit. If we do, you must still pay us for those charges. We may also decline to authorize charges, even if they do not cause your total balance to exceed the Preset Spending Limit. We decide whether to approve a charge based on how you spend and pay on this Account and other accounts you have with us and our affiliates. We also consider your credit history and your personal resources that we know about. We may change the Preset Spending Limit at any time.

This change will remain in effect until we notify you that it is no longer in effect.

Notice, it is a Fact, that, I, a protected consumer, exercising my rights under 15 U.S.C. 1691 ( a ) ( 3 ) am subject to adverse action and unfair and deceptive practices by AMEX on XX/XX/2022 resulting in the severe limiting of my account, available credit, charging ability and account usage from a spending limit of {$17000.00} to {$1000.00}, a restriction of 17000 % in violation of 15 U.S.C. 1691 and also a violation of Equal Credit Opportunity Act 701 ( d ) ( 6 ) and also a billing error in accordance with 12 CFR 1026.13. 
Notice, it is a Fact, that, I, a protected consumer, wrote a notarized dispute letter to AMEX, on XX/XX/2022, in strong disapproval of the proposed changes and the demand that my account be returned to its original state prior to the implemented changes in violation of 15 U.S.C. 1691 ( d ) ( 6 ) ].

Notice, it is a Fact, that, I, a protected consumer, confirmed delivery of my dispute letter to AMEX, on XX/XX/2022 by USPS Tracking number XXXX. 
Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed there is NO FACT or TRANSACTION that caused the restrictions to be placed on my account. 
Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed a pattern of previous transactions of the same type were approved in the past. 
Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed my account has always been in good standing and never incurred an issue of concern by AMEX. 
Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed there was no clear and conspicuous language of a policy or terms in place that was violated or broken as a result of using the card ; instead, XXXX is making up their own terms at their discretion, without prior notice to account holders and card members in clear violation of 15 U.S.C. 1125. 
Notice, it is a Fact, that, I, a protected consumer, made no transaction in accordance with Title 15 Chapter 41 1603.

Notice, it is a Fact, that, AMEX acted in violation of 15 U.S. Code 1611 ( 3 ) described herein and owing {$5000.00} per violation. 
Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and I verbally expressed a strong belief that based on the lack of evidence to support the restrictions on my account, I believe I am being discriminated against in violation of 12 CFR 1002.4 and a violation of Equal Credit Opportunity Act 701 ( a ) ( 3 ). 
Notice, it is a Fact, that, on XX/XX/2022 I was contacted by XXXX XXXX calling from the AMEX Executive Office on a recorded line, and confirmed by silence, no dispute to my claim of discrimination exists in further violation of 12 CFR 1002.4.

Company response to consumer: Closed with explanation