Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been making payments to fix a error that was caused by my husband bank not putting my name correctly on his account to which they put XXXX on the checking account to tell my husband that I borrowing from the account ( unfortunately he didnt hear me because he didnt have his hearing aid in ) so when I paid American Express out of his OUR ACCOUNT he didnt hear me. To which came to about {$40000.00} he didnt ask me what I was doing and he didnt even know I was XXXX  and then he proceeded to tell his bank that something is wrong .So I didnt even know that anything was in question.To which his bank went after the money paid to American Express. So they cancelled my card and didnt even contact me. I then explained what happened but they didnt give me any information of what happened. To be in shock because I have always had a good experience with them and they couldnt even give me a chance to explain what happened and it was only {$40000.00} and then I made payment to {$7800.00}, {$6900.00} & {$6200.00} to lower what I owed. They kept going after an auto pay so they werent to apply the XXXX. So we had a three-way conversation with XXXX XXXX in the bank to tell them to stop going after money that they have to have it directly for me.To which they applied three charges a day automatically had that out for like {$57000.00}. So I finally today started looking because Ive been trying to work this out with them and tell them that yes the bud is coming and yes, Ive made payments but why is my account not going down? They did a chat with me and told me that they are automatically charging me bank fees three times a day. I said, Why would you do that to me? They said its a automatic system that does it! I then said that not allowed for there are laws against doing that. To be clear that youre not allowed to use that system for every time you have tried to go after money because I told you 6 weeks ago stop trying to get money from that account because I didnt give you any permission to do that and you keep doing that and basically they did it last Friday so now weve changed the account ever and I was on the phone XXXX XXXX at American Express to actually explained to them that they were not applying the money to my account so its still made very clear not to do AUTO PAY and XXXX XXXX was on the phone that heard it too please dont do that without my permission. To finally say that is not a valid point and its your fault for keep on doing that. To which as far as the law applies against encouraging unnecessary charges, and you do it three times a day so the fact that she actually I have a chatting it says shes allowed to and she goes well that I applied for my card when I was XXXX XXXX XXXX XXXX XXXX so I have never applied for a card since XXXX XXXX XXXX and thats not a fact so please remove those charges from my account and I will make you pay for the times you have gone after money without my permission for thats not treating a great customer fair and I will not pay for your automatic system doing that to me because thats not legal and why you would even do that is exactly why they put laws in to protect people from getting over charged and I dont care about you saying its in the agreement I said I applied when I was XXXX XXXX XXXX. So Im sorry that was never in the application at the time because they didnt even have those systems.So, really think about what you just said because I have a valid point and its the truth. So please dont think that would be a good idea to say that to me because I am sure sure absolutely sure that system didnt exist. So if you think that is going to work in my case and thats a fact. I will not allow you to do that to me because its wrong and they have laws to protect people from being put in that position and especially the fact that you have an automatic machine doing it, thats definitely not allowed. For you actually thinking this is OK I not going to pay for 3 auto charges a day and then there is another fact I have told you though dont go after anybody was without my personal permission to where I had XXXX XXXX on the phone with you explaining that to the war that was six weeks ago youve done it three times it since then so now weve changed the account number. To stop you from doing this again without my permission permission and now I that I know what youre doing is really not listening to me and I have XXXX XXXX to validate the fact that that was said six weeks ago, so why did you do it again three times and then I get these obsessive charges. Do you really think thats nice to do to somebody because thats up to {$57000.00} now and I am not going pay for anything that you have done without my consent and I am going to pay for what is valid and not any more than that because you dont even have to chance to say that you are allowed to go after money without me telling you. So I am not saying anything I will address the CEO about this issue.

Company response to consumer: Closed with explanation