Consumer complaint received 2025-11-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Legal Department XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( AMEX Supervisors ) I spoke with AMEX legal department after determining that there had been a legal hold on my bank accounts due to an outstanding debt. My bank has withheld XXXX of my personal bank accounts as well as my XXXX yr old daughters bank account because she began her account as a XXXX  and thus, I was connected to the account. After XXXX continuous days of reaching my personal bank to understand the process to release funds to AMEX for the outstanding debt, as well as 7 continuous days of reaching AMEX legal department, paralegals, supervisors and case management personnel- I am still without a resolution, without a directive for process and without a present status of an anticipated date of release. Confirmation with my personal bank and confirmation from a supervisor with the AMEX legal department has yielded no anticipated date of release nor any directive on the process. This has now created a delay in making payments to my other debtors with the difference of the funds that are owed to me. This has also created a credit challenge for my XXXX yr old daughter that is not connected to this debt, nor has any accounts with AMEX. My personal bank has confirmed that my daughters account was mishandled in this legal hold as well as my account having sufficient funds to legally be released to clear the outstanding debt. My complaint is directed at AMEX for lack of clear communication of the process of a legal hold, in addition, lack of directive regarding my daughters account and funds that are not connected to this debt. Please see the enclosed dates and persons of contact made : * XX/XX/year> - Contact made to XXXX XXXX  and AMEX XXXX XXXX ; spoke with XXXX with AMEX legal dept and stated he is unsure of process and timeframe * XX/XX/XXXX, XXXX Contact made to XXXX XXXX  legal dept and AMEX legal dept ; spoke with XXXX  and XXXX with AMEX legal dept and they do not know the process and XXXX XXXX XXXX XXXX  legal dept requested an email to noted emails above be sent with all bank accounts stated asking for the release form * XX/XX/year> - Contact made to XXXX XXXX legal dept and AMEX legal dept ; spoke with XXXX  and XXXX with AMEX and XXXX and XXXX with XXXX XXXX legal dept - no one is aware of the process nor do they have a timeframe for resolution * XX/XX/year> - Contact made to XXXX XXXX legal dept and AMEX legal dept ; spoke with XXXX  and XXXX with AMEX legal dept and XXXX with XXXX XXXX  legal dept - requested timeframe and process and there was no direction until the customer service team receives the email from XXXX XXXX  XXXX XX/XX/XXXX, XXXX Contact made to XXXX XXXX  legal dept and AMEX legal dept ; spoke with XXXX and XXXX with AMEX legal dept and still awaiting customer service team to confirm amount from bank and XXXX with XXXX XXXX  legal dept stated they have provided the letter with all bank accounts * XX/XX/year> - Contact made to AMEX legal depXXXX with XXXX - stated that paralegal team will forward release forms tomorrow ; Recieved an email from XXXX other AMEX accounts that are presently being paid on scheduled payments for my wife that are NOT being paid because AMEX still has a legal hold on all private funds from myself * XX/XX/year> - Contact made to AMEX legal dept with XXXX - stated that no resolution and unsure of next steps still ; XXXX XXXX  stated they have reemailed all information requested from AMEX once again but that their team can not speak with the AMEX team directly * * * We are still awaiting a minimal directive via email, phone or mail on how to release the legal hold with the appropriate funds sitting in the bank account still ; Still awaiting a release of my daughters funds that are not connected to this debt that AMEX has placed on hold and included within this transaction.

Company response to consumer: Closed with explanation