Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

American Express denied me the right to use my credit card by denying my transaction while I had sufficient funds to cover the transaction, a breach of contract or agreement. 
I have been with America Express for more than 6 years. 

Amount declined is {$1400.00} ( See attachment ) plus tax and Insurance amounting to XXXX I have always paid on time and never missed payment. My XXXX payment was done on the XXXX of XX/XX/2022. With my payment, America Express processed all its fees ( Evidence attached ). 

Upon deduction of all fees on XX/XX/2022 by American Express, I had an account balance of over {$130.00}. I transferred {$1600.00} to cover the purchase of a flight ticket to go for my daughter. 

With a sufficient transfer of {$1600.00}, my balance was sufficient to cover the flight transaction on XXXX pm XX/XX/2022 of {$1600.00}. Thus, my account balance and credit limit as of XXXX pm XX/XX/2022 were sufficient to cover my transaction of I did. The transaction went through as of XXXX pm XX/XX/2022 issuance of the confirmation number. A confirmation number was issued at XXXX pm saying that my flight ticket is on it way ( See attachment ). An insufficient fund in a credit card goes with an instantaneous denial of the transaction. This was not in my case. 

I checked my balance before initiating the transaction. My credit limit and account balance were not changed and were not below the transactional amount. Additionally, no other transaction was pending to reduce the amount below the transaction amount. 

Since American Express email states that my transaction was declined because it would go over my " credit limit ''. I am kindly enlisting the help of Consumer Finance to ask American Express to provide me with evidence of my credit limit and account balance at the time of the transactions as of XXXX pm XX/XX/2022. 

I went to the American Express website to dispute their claim that I did not have sufficient funds and if possible to refund my {$1600.00} since American Express did not seem to recognize the funds transferred to cover this transaction, the disputed site was down ( See attachment ). 

Essentially, American Expressed has unlawfully seized upon my {$1600.00} transfer to arbitrarily apply as payment towards a spontaneous negative balance that I was never informed or made aware of. 

Please tell America Express that I DO NOT need the reason ( s ) or factor ( s ) for their decision of credit limit reduction. I want or need evidence that my credit limit was not sufficient at the time of the transaction as stated in the email : " declined because you be over your credit limit '' ( Email attached ). What was my credit limit and/or account balance at the time of the transaction ( XXXX pm XX/XX/2022 )? 

Simple : I want to know my account balance and credit limit as of XXXX pm XX/XX/2022. 

After declining my transaction for 'lack of sufficient funds ' so to speak, American Express went further to reduce my credit limit to justify their falsehood that the transaction would be over my credit limit. 
Thus, the other question I want is what time during the period of XX/XX/2022 was the decision made to reduce my credit limit. Was it before, during, or after the declined transaction? 
I will agree with American Express that they can reduce or increase the credit limits of consumers whenever they so desire. 
Therefore, I am not questioning their authority to reduce credit limits. However, I only want to see the evidence at the time of me making the transaction or buying the flight ticket, what were my account balance and credit limit before or on XXXX pm XX/XX/2022. 
This has caused grave XXXX XXXX and other financial impacts on me that I would possibly seek legal remedy if these questions are not answered in recognition of my rights as a consumer. Because of this illegal and breach of faith, I have gone ahead to take a high-interest loan to buy a flight ticket for my family emergency as American Express has stiffed me on the money I intended to buy a flight ticket ( See attachment ). 

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