Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : Executive Customer Relations American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FORMAL COMPLAINT Coercive Credit-Limit Reductions, Financial Harm, and Abusive Conduct Toward a Creditworthy Customer To Whom It May Concern, I am submitting this formal complaint regarding a pattern of coercive, abusive, and financially harmful actions taken by American Express against me , despite my longstanding history as a responsible cardholder with an impeccable payment record. 

These actions constitute unfair, deceptive, and abusive acts and practices ( UDAAP ) under the Consumer Financial Protection Act and raise serious concerns of intentional financial harm and discriminatory treatment.

1. Multiple Credit-Line Reductions Conducted Simultaneously and Without Justification Between XX/XX/XXXX and XX/XX/year>, American Express drastically reduced the credit limits on several of my accounts, without any valid, documented, or reasonable justification XXXX XXXX XXXX  (  ending XXXX ) : reduced from {$10000.00} to {$3700.00} XXXX XXXX XXXX XXXXXXXX XXXX ) : reduced from {$3000.00} to {$700.00} XXXX ( XXXX XXXX ) : reduced from {$2000.00} to {$1000.00} In each case, the reductions were severe, sudden, and executed in coordination, immediately and artificially placing my accounts near their newly reduced limits. Shortly after, I received notices falsely implying that I was near my maximum credit utilization even though American Express itself created this condition. 

This behavior constitutes financial manipulation and entrapment with predictable negative consequences for my creditworthiness. 



XXXX. Coercion Related to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX ) avoided a credit-limit reduction only because American Express coerced me into making a payment of {$1300.00} on XX/XX/year>. 

I received a notice stating that unless I paid this specific amount by the stated deadline, my credit limit would be reduced. This is an example of : Coercion, Financial blackmail, and A direct violation of federal protections against unfair and abusive practices. 

No responsible lender should tie credit-limit decisions to threats or forced payments under duress. 



XXXX. Predictable and Intentional Damage to My Credit Reputation American Express knowingly caused : Significant reductions in available credit Artificial increases in utilization Predictable harm to my credit scores Damage to my financial reputation with other lenders Interference with my ability to access credit normally This occurred despite my perfect payment record and consistent financial responsibility. 

As a middle-class XXXX consumer, the pattern of this treatment raises additional concerns about inequitable or discriminatory conduct. 



XXXX. Annual Fees Charged Despite Removal of Functionality American Express continues to charge high annual fees, even after imposing severe restrictions on account usability XXXX XXXX XXXX  : {$700.00} XXXXXXXX XXXX XXXX  {$130.00} XXXX : {$130.00} Charging the full annual fee while removing key functionality and drastically reducing credit lines constitutes unjust enrichment and deceptive business behavior. 



XXXX. Requests for Corrective Action I formally request : 1. Restoration of all original credit limits on every affected account.

2. A complete and detailed written explanation for each reduction. 3. Removal of all negative credit impacts caused by these actions.

4. A full investigation and review by the Executive Officenot general customer service.

5. Assurance that no further retaliatory, coercive, or abusive practices will be directed toward me.

6. Escalation Notice If this matter is not resolved promptly, I will escalate my complaint to : The Consumer Financial Protection Bureau ( CFPB ) The Florida Attorney General Consumer Protection Division The Federal Trade Commission ( FTC ) The Office of the Comptroller of the Currency ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX consumer protection advocacy groups Legal counsel for potential damages I expect a formal written response within 10 business days. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation