Consumer complaint received 2025-05-12 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: DE

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against American Express regarding the unexpected closure of all my credit card accounts and the forfeiture of my substantial Membership Rewards points balance. 

Account History and Current Situation : I have been a loyal American Express customer for approximately XXXX  years, maintaining an excellent relationship and payment history throughout this period. I held multiple American Express products including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX cards. Together, these accounts represent a significant financial commitment, with approximately {$3000.00} paid annually in fees. 
On XX/XX/XXXX I discovered that all of my American Express accounts had been simultaneously cancelled without any prior notice, warning, or explanation. The only communication I received was an email citing " indicia of misuse '' without any specific details regarding what constituted this alleged misuse. 

My Attempts to Resolve the Issue : Upon discovering this situation, I promptly attempted to resolve the matter by : 1. Contacting American Express through their online chat service 2. Calling the customer service numbers provided through online chat 3. Requesting to speak with a supervisor During these interactions, representatives refused to provide any specific explanation for the account closures, simply referring me to the card agreement. The customer service representative informed me that she was handling my case and declined my request to escalate the matter to a supervisor. 

XXXX XXXX : This abrupt cancellation has resulted in : 1. The complete forfeiture of approximately XXXX XXXX ( XXXX ) Membership Rewards points ( documented in the screenshot I can provide ), which represents an approximate value of {$15000.00}. I can no longer access or redeem these points in any way. 
2. Significant inconvenience as these cards were my primary payment methods 3. Potential negative impact on my credit profile My Specific Requests : While I understand that American Express reserves certain rights regarding account relationships, I am requesting : 1. A detailed explanation of the specific actions or transactions that led to the determination of " indicia of misuse '' 2. The restoration of my XXXX XXXX Membership Rewards points that I earned through legitimate transactions over many years 3. Consideration for reinstatement of my accounts after review of my case 4. Reasonable compensation for the significant inconvenience this situation has caused I firmly believe that while American Express may choose to terminate its business relationship with any customer, the company should not be permitted to confiscate substantial earned rewards without clear justification or recourse. This practice seems to contradict both consumer protection principles and reasonable business ethics. 
I have maintained all my accounts in good standing for approximately XXXXXXXX XXXX, with all transactions being legitimate. I respectfully request a thorough investigation into this matter. 

Thank you for your attention to this issue. I look forward to your assistance in reaching a fair resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation