Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX 2024, I received an email from American Express stating " We are writing regarding your American Express account ( s ) referenced above because we have been unable to reach you by telephone. [ I received no calls from American Express and my telephone number has not changed. ] We are conducting a financial review of your account ( s ) and we have determined there are financial documents we need from you in order to complete our review. It is important that you call us at the number on the back of your card as soon as possible so that we can discuss what documents are required. If you fail to provide the documents required within 14 days of the date of this letter, we may take additional credit actions up to and including cancellation of your account ( s ). We have placed a restriction on your account ( s ) and no further charges will be allowed until this matter is resolved. '' On XX/XX/XXXX2024, I received the same letter dated XX/XX/XXXX2024, via US Mail. 

American Express did not identify what documents they required from me in the XX/XX/XXXX email or the XX/XX/XXXX letter. 

On XX/XX/XXXX2024, I mailed a reply letter stating, " You have not identified what " matter '' you are referring to. My account had not exceeded my credit limit, is current, and paid as agreed. I insist on resolving this " matter '' in writing by mail to preserve my rights under the Fair Credit Billing Act. To preclude a complaint to the Controller of the Currency, please release the unwarranted restriction you have placed on my account and reply in writing that this has been done in your letter specifying what financial documents are required. '' American Express did not respond to my letter. 

On XX/XX/XXXX2024, I received an email stating, " We're reaching out to you because there's been a change to the credit limit on your account referenced above and we wanted to let you know as soon as possible. After a recent review, your credit limit has been reduced [ from {$27000.00} ] to XXXX XXXXThe cash advance limit is {$200.00}. '' On XX/XX/XXXX, I received a letter dated XX/XX/XXXX2024 stating the same as above with the addition of " Reasons for Our Decision.

We reviewed several pieces of information when making this decision including your history with us and your consumer credit report. '' My XXXX score is XXXX. My XXXX Credit Report shows " current, paid as agreed '' for all my accounts, including this account, through XX/XX/XXXX2024. My XXXX Credit Report is on request and has not yet been received. 

None of the reasons given by American Express violate my credit limit or the credit terms. 

On XX/XX/XXXX2024, I received an email stating, " We are writing to inform you that, after a recent review, your American Expressaccount ( s ) listed above has been cancelled. '' On XX/XX/XXXX 2024, I received a letter dated XX/XX/XXXX2024 stating the same with the addition of " Reason ( s ) for Our Decision. We reviewed several pieces of information when making this decision, including your history with us. We made this decision for the following reason ( s ) : You failed to respond or did not provide complete financial document ( s ) to our recent request for more information. '' I DID respond by letter via U.S. Mail on XX/XX/XXXX2024, requesting that American Express specify what financial documents are required. I can not provide information that they did not ask for.

Moreover, my account with American Express has been in good standing since opened in XXXX. Their actions are unjustified and harm my credit standing without reasonable excuse. They have also suspended/damaged my Delta Skymiles account which currently has a balance of XXXX Skymiles.

Company response to consumer: Closed with explanation