Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX, XXXX, XXXX, XXXX Dear Sir/Madam, Please find the following letter ( below ) that I sent to Amex multiple times. I uploaded a claim with the CFPB and all they did was allow Amex to send a response in which they reached out to me. Amex claims they called me to clear a Fraud Alert-I received NO calls. I have had many other applications for credit with a fraud alert protection in place over the years and have Never had an issue with a potential creditor calling me to clear the Alert. 

Why is Amex making this up? What is really going on here and why are they targeting me? Is this the way they treat XXXX XXXX? I am happy to turn over my call logs to prove that they never called. I have perfect credit. I would be grateful for your assistance as their claim is simply not true and now they are ignoring me. Thank you in advance. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX Main : ( XXXX ) XXXX F XXXX Customer Service : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX American Express XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, FL XXXX XXXX XXXX ) XXXX ( Amex XXXX XXXX XXXX XXXX For issues with a no limit charge card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX F XXXX Acct # : XXXX *Chief Executive* XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Request URGENT! 

SENT VIA EMAIL, FAX AND USPS MAIL WITH TRACKING! 

# XXXX I still have not heard back from anyone as of XXXX and left another message for : XXXX XXXX at XXXX XXXX  EST today on this # ( which I was given by her ) : XXXX ( XXXX ) XXXX Extension XXXX. She promised that she would assist me with the process and has Never got back to me. 
# XXXX We just received the attached letter dated XXXX stating that you can not reconsider the decision on lowering my credit limit. 
-Key Points : -I have PERFECT Credit! 

-NO ONE called me that I am aware of from XXXX ( the date of the letter I just received ) to unblock a Fraud Alert on my credit report. 

-I also did not request the reconsideration until XXXX ( see below ) : XXXX XXXX called me from XXXX, on XXXX at XXXX XXXX  EST and asked me to call the # on the back of my card and request a reconsideration on my credit limit. 

-I did call AMEX XXXX XXXX on XXXX XXXX XXXX  EST to request and they told me I would receive a call verifying the fraud alert. I NEVER received a call. 
-I called XXXX XXXX XXXX XXXX XXXX  EST today on XXXX ( XXXX ) XXXX Extension XXXX. 
to leave a message that I followed her instructions to request a reconsideration, and NO one returned my call to clear a fraud alert. 
XXXX XXXX promised to assist me with the process, I have yet to receive a call back. I told her I have been down this road before with Amex who pulled the incorrect XXXX report-this was NEVER resolved. 

Thank goodness for XXXX XXXX and XXXX will support them-They are eating your lunch! 

# XXXX I received an email this morning ( picture below ) that my card ending in # XXXX was reduced from {$22000.00} to {$4700.00} WITH NO NOTICE! 

This is a 78 % reduction??? This account was always paid in full on or before the due date! 



I have been with Amex for Approx 29 years. 
I have an excellent payment history and have spent many XXXX  of XXXX  of dollars per month on more than one account. 
I consistently make payments early and pay the card down. 

Why do you and your Company continue to Target Me?? 
The only constant is that I always pay my Bills!!! What is the real reason for targeting me and treating me like this??? 

This will cause harm to me, my family and business. Do you like to take advantage of XXXX  as this is not the first time you have done this? 

I have plenty of assets as the Guarantor and Exceptional Personal Credit! I sent proof of Cash and Assets-did you even bother to check? 
We are hoping for assistant from State and Federal Agencies for the False Targeting of Credit Worthy People! 




How do you treat good Customers this way, by cutting them off? 

I work with XXXX  and XXXX XXXX all over the XXXX, if I treated them this way, I would have no Customers. I can not spend hours on the phone and on hold each day-I am trying to run a XXXX! 

I can not help but think this is Personal and discrimination due to my ethnicity and religious beliefs-why else would I be treated this way and thrown under the bus for absolutely no other logical reason why? 

Thank goodness for XXXX and XXXX XXXX-we will support them as they also support us! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX