Consumer complaint received 2026-05-29 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: MA

Complaint narrative:
I am filing this complaint regarding American Express 's abrupt and unexplained reduction of the spending capacity on my business XXXX XXXX account. For an extended period, American Express managed this account with a spending capacity of approximately {$230000.00}. On XX/XX/year>, without prior warning, notice, or opportunity to provide additional information, American Express reduced the Preset Spending Limit to {$100000.00}, a reduction of approximately 57 %. The account has remained in good standing. Payments have been made as required by American Express, and the account has not been delinquent. American Express continued to bill and accept payments according to the terms it established. The explanation provided by American Express is that " the proportion '' of balances paid and the " average monthly payments '' were allegedly too low relative to balances. However, American Express never communicated that the account was failing to meet its expectations, never advised that larger payments were required, and never provided any warning that such a severe reduction was being considered. This raises a fundamental fairness concern. If a creditor determines that a customer 's payment behavior is unacceptable despite the customer remaining current and complying with the payment requirements established by the creditor itself, the customer should receive meaningful notice and an opportunity to address those concerns before a drastic reduction in available credit is imposed. The notice provided by American Express is also insufficiently specific. It does not identify : * what payment level would have been considered acceptable ; * what specific metric triggered the reduction; * what actions are required to restore the prior spending capacity ; or * whether the decision was based on account performance, personal credit information, commercial credit information, or some combination thereof. As a result, I am left unable to understand how an account that remained current and complied with American Express billing requirements could suddenly be deemed unacceptable for the spending capacity previously extended. The reduction has materially disrupted normal business operations and appears to have been driven by an automated risk determination rather than a balanced review of the account relationship and payment history. I request that American Express : XXXX. Conduct a manual review by a senior risk analyst. XXXX. Provide a detailed explanation of the specific factors that caused the reduction. XXXX. Identify the objective criteria required for restoration of the prior spending capacity. XXXX. Reconsider the reduction and evaluate whether a partial or full restoration is warranted based on the account 's actual payment history and overall relationship. I am prepared to provide additional information regarding liquidity, business operations, and payment capacity as part of that review.

Company response to consumer: Closed with explanation