Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express continues to harass and take action against us, even though we paid in full the amount they allege is in dispute. They now state there has been XXXX investigations of our dispute ( now paid in full ) and they continue to state the dispute investigation was as a result of a pre-litigation request from us, which is false. We never stated we would go into litigation, and we only stated that absent resolve we would exercise all legal remedies available. We made it clear that all we ever wanted was a line by line accounting of charges. We have never received any copies of any investigations from American Express that would show us where the charges we can not see on our account were entered as a line item charge. We also did not authorize XXXX charge that American Express paid in spite of the fact we never authorized this charge and had a valid legal dispute with the merchant. In retaliation for exercising our rights under law and for reporting to cfpb, our account was canceled one day before the due date for payment in full of the balance due. On that same day we arranged payment by a bank credit card wire transfer of the disputed amount as an act of good faith, and we had already arranged for payment in full to be withdrawn from our bank account prior to the closing date on the American Express account as is and had been our custom with American Express over many years, with no issues. Upon arranging payment in full I requested the card be reinstated as it was improperly canceled in contravention to the 'fair truth and lending act. ' First, we were told we had a poor payment record with American Express, which was not supported in fact. Then we were sent a letter stating we had a poor FICO score, when our FICO score was XXXX the day the American Express account was canceled, XXXX more point and the score would be in the excellent range. They stated this was based upon XXXX, which is exactly where we obtained our FICO score. Now, if they go in and change our FICO score as further retaliation for exercising our right of dispute, this will be a further violation of law, and this is also something about which we should not have to worry and check on day after dat. Also, there were chargebacks in multiples to our XXXX account all on the same day, XXXX/XXXX/2015 -- and as to XXXX of these chargebacks, they were made on charges never billed by XXXX XXXX, and another chargeback was broken down into XXXX separate charge backs, and the total amount was what we had already authorized to pay, {$100.00}, causing us to have to go into the account and inquire was to what happened to that payment. All of this came as a flood of retaliatory actions against us and/or fraudulent charge back billing to XXXX from American Express. There are also similar problems with XXXX XXXX -- and both of these accounts were on auto payment schedules or personally scheduled by my hand XXXXas to XXXX XXXX ). The American Express account is paid now and they will have all funds prior to the closing date, including the amount in dispute that American Express never properly investigated. We have run spread sheets each month and always paid what we have charged in full, except for the amount in dispute. We have stated as to {$1700.00} there was no line item charges ( cyber fraud ) and that the amount paid by American Express of {$2100.00} to XXXX, this amount was never authorized by us to be paid. We have proof of this, The total we paid through bank card wire transfer was {$3400.00}, and we did this in good faith ; and we are still expecting a line by line reconciliation that began with {$260.00} in unsubstantiated charge totals, and rose each month until it reached the {$1700.00}. Now we are deprived of our earned rewards as well. This is wrong. We want the rewards.