Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Product : Credit Card ( XXXX XXXX ) Issue Type : Credit line decrease / account suspension without adequate justification Company : American Express National Bank Complaint Summary I am submitting this complaint regarding repeated and unjustified adverse credit actions taken by American Express on my XXXX XXXX credit card within a very short period of time, despite my exceptional credit profile, strong income, and responsible account management. 

Within less than XXXX months, American Express has either suspended my card for a financial review ( which I fully passed ) or reduced my credit limit without cause. Although my most recent credit limit was restored to {$5000.00} following escalation to the XXXX XXXX, the recurring nature of these actions has caused ongoing disruption and reflects a failure to assess my creditworthiness in a fair and holistic manner. 

Detailed Explanation I fully understand that issuers must manage risk and periodically review accounts. However, the frequency and repetition of these actionsmultiple adverse credit events in a compressed time frameare inconsistent with my actual risk profile and unsupported by any material change in my financial circumstances. 

I have a long-standing relationship with American Express and have consistently managed my account responsibly. My spending patterns are stable and aligned with my income. I routinely make multiple large payments each month, not due to financial distress, but because my assigned credit limit is not commensurate with my income or typical spending needs. 

The repeated suspensions and reductions have effectively penalized me for responsible usage and have created unnecessary uncertainty regarding account accessdespite no late payments, no derogatory history, and no excessive utilization. 

Creditworthiness Data ( on file with American Express ) XXXX Score ( Experian XXXX ) : XXXX ( as of XX/XX/XXXX ) No derogatory marksever Extremely low revolving utilization Average age of accounts : XXXX years Very limited hard inquiries in the past XXXX  months High annual income ( ~ $ XXXX ) as a private-duty travel nurse Strong, verifiable cash flow and liquidity Multiple active credit lines with higher limits at other major issuers Consistent on-time payment history No history of charge-offs, delinquencies, or adverse actions There has been no negative change in any of these factors that would reasonably justify repeated financial reviews or credit line reductions in such close succession. 

Furthermore and imperatively, I have twice provided American Express with multiple personal bank statements proving my significant assets, income, and financial solvency ( attached to this herein Complaint ), between XX/XX/XXXX - XX/XX/XXXX, meriting immediate increasing of my XXXX XXXX XXXX XXXX to better align with my strong financial profile and spending needs. 

Consumer Harm These actions have caused : Repeated disruption to account access Unnecessary administrative burden responding to multiple reviews Forced multiple payments per month to remain within an artificially low limit Uncertainty regarding the stability of my American Express relationship This has undermined my ability to rely on the account for normal, good-faith use. 

Requested Resolution I am requesting that American Express : XXXX. Conduct a holistic, senior-level credit review of my account that properly considers my full credit profile, income, and payment history XXXX. Increase my credit limit to {$15000.00} or a comparable amount, which would be consistent with my creditworthiness and spending patterns XXXX. Confirm that absent a legitimate, material change in risk, my account will not be subjected to repeated or arbitrary suspensions or reductions My goal is not special treatment, but fair, stable, and transparent credit management that aligns with my proven solvency. 

XXXX Intent I value my relationship with American Express and XXXX to continue using their products responsibly. I am submitting this complaint in good faith in the hope of resolving this matter fully and preventing continued unnecessary disruptions.

Company response to consumer: Closed with monetary relief