Consumer complaint received 2022-03-26
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Inadvertently my credit card was used at my company 's credit card processor, and that was a violation of the terms of service in the agreement that American Express had with me as a car holder. Time of the incident, I was unaware that this would be an issue for American Express, and subsequently, when American Express contacted me to inform me of the issue, I made all corrective measures they requested, sent in all documentation they requested, and complied it explicitly. Fast forward to 2022, my account has been permanently notated to deny me any product that I've ever applied for with American Express. They've continued to treat me as a second-class citizen ; they constantly promote and advertise to my businesses and myself new credit cards to apply for, new loans to apply for, and other additional products and instantly decline me at any time I've done in application. I've been decline now consistently for almost XXXX years, and I feel like I am not getting my fair right or chances in the event of receiving a fair credit valuation when my applications are submitted. I understand that there might have been a trial period or probationary., but I do not believe that should be something that would be in place indefinitely. More so, if the company has an issue with me in general, the proper action would have been to close the accounts at the time of the incident versus allowing me to keep both of the accounts. they chose to keep my accounts open, they chose to keep me as a customer, I'm just not understanding why I am blacklisted and treated completely unfairly at the time of every credit application. I should have the right to a free unbiased review when applying for new products. Where I should at least be instructed by the company if they wish to do business or not do business with me. I contacted American Express and tried to make this complaint about being maltreated and unjust at every opportunity I've applied for credit. They could transfer me from department to department, and they said they would get back to me in about XXXX weeks. When calling XXXX XXXX to follow up on this complaint, I transferred to multiple departments again. Not once I've been contacted regarding my complaint not once have I been emailed in their secure message center about my complaint not once has this company seem to give a genuine care or even a half-fast attempted replying. You can apply for multiple applications over the course of nearly 24 months. I do believe that they completely treat me as a customer of some minority. And as of most recently, they now decided to lower XXXX of my credit lines due to my ability to make payments on the account that are symmetrical to some sort with the amount of balance that is owed. This is undoubtedly absolutely falsified information come as nearly most of my payments are at least half if not the full balance when making payments. For a customer that pays the balance nearly in full every time, I'm not sure how they found this to be a fact and their discovery. Not only do I feel completely beat down and frustrated beyond all belief. I've also taken significant credit reporting impact by every application they have advertised me and provoked me to apply for leading to an ultimate decision of denial at the end. Additionally, the lowering of my recent credit limit also impacts my credit in a negative fashion. I don't understand how I officially started this complaint with him, the one I'm referencing in this complaint back on XX/XX/XXXX at approximately XXXX XXXX XXXX Standard time ; the case ID was : XXXX.

Company response to consumer: Closed with explanation