Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (MI)

In XX/XX/XXXX I applied for a XXXX XXXX Business card, I was sent a business card with my XXXX XXXX XXXX XXXX Card Number XXXX XXXX XXXX .The credit line was unlimited At no time was this credit history reported, In XX/XX/XXXX I attempted to obtain a XXXX XXXX XXXX and learned that it was not reported and that the credit line was reduced to XXXX Periodically I expanded my XXXX to 3 trucks in XXXX XXXX and have obtained employee credit cards making them authorized users. When calling customer service about this I was told it was a personel account which I already had a personel account account number XXXX I was lied to in the application process of the business Gold Card and have always been on time with payments until today XX/XX/XXXX at XXXX XXXX. I received a call from the crdit collictions department and was asked about the payment due. I explained I was in florida that my baby brother had died and as XXXX was handling my brothers affairs and his death, that he is not even creamated  yet That to call me later taday I neededto put my XXXX XXXX and shower that I had just woke up and besides I was told the closing date was the XX/XX/XXXX, he stated the personel account was the XX/XX/XXXX that the business account closing date was today, I again asked he call me back later and he continued to be persistant I told him my issues I would deal with it later and told him to quit hararsing me and hung up ; He immidately called me back knowing I had told him to call me I needed to wake up put my XXXX XXXX and shower, My office hours are XXXX-XXXX, Without being able to shower sahve put XXXX XXXX or take XXXX for my XXXX I went to my app to make the payment he had suspended BOTH accounts which I feel is BLACMALE to force payment I intended to do, The personel account was in good standing the business account I was told payments could be done by XXXX   on the cycle dates as I have done in the past. 
I then called back to the customer service department and complained and was connected back to the same person and requested 10 times to speak to a manger I was connected to a " floor supervisor '' I again requested a manager not a co worker He hung up on me. I then called back and explained it again to a customer service person and was connected to a manager who I again told what had happened He attempted to connect me to a credit collections manager and we got disconnected or he hung up I have yet to be able to get anyone in authority to deal with these issues A, False application process in selling business account with employee cards B. Failure to report to XXXX and XXXX or business reporting agencys so my company can obtain credit for expansion and I had to use personel credit to do so. 
C. Reducing the credit line of the so called Business card to XXXX when the two XXXX trucks were added yet when calling customer service they called themselves a business partner providing financial services D.the collection practice of today that occurred clearly violates the equeal fair collection practices act by shutting down business and personel accounts and adding a late fee to the business account contrary to the cerdit agreements when the closing or cycle date is XXXX  to tonight. in a attempt to blackmale a business payment, and the harassment and refusal to escalate the issues to the executive In closing I feel that the practices of lying to people to open business accounts and forcing payments by blackmailing the consumer and closing accounts or suspending all accounts and the harassment when a account is not 30 days past due and charging late fess is in appropriate I intend to pursue these issues in the federal court system once my government remeidies are exhausted due to the facts that American express actions or inactions has cost me over 100,000.00 dollars in personal credit utilization to run my company They should be fined and punished by our government for the undermining of our banking laws Date XX/XX/XXXX XXXX XXXX XXXX Time XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX