Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
Dear Consumer Complaint Division : I am writing again to formally escalate my complaint against American Express ( Amex ), which arbitrarily closed all XXXX of my credit card accounts on XX/XX/year>, without notice, justification, or evidence. Their recent written response contains nothing but hollow, template-like claims of misuse with no specific detailsand they refuse to address whether my case reflects a broader pattern of discriminatory treatment against XXXX customers. 
________________________________________ XXXX. Summary of the XXXX XXXX XX/XX/year>, Amex shut down all XXXX of my active credit cards without warning. 
I contacted them via phone and email, and previously filed a complaint with CFPB. 
Amexs only response was a generic assertion of misuse, with no explanation about what, when, or how I allegedly misused my accounts. 
Their reply appears to be a boilerplate templatenot personalizedand lacks any documentation. 
Amex has effectively acted as judge, jury, and executioner, labeling me without backing their claims or providing evidence. 
________________________________________ XXXX. Lack of Due Process and Transparency Amex has given me no specifics on what constitutes this alleged misuseno dates, transactions, terms violated, or internal policy citations. 
No documentation or investigation summary has been provided. 
This denial of due process is highly inappropriate for a major financial institution and violates best practices for consumer fairness. 
________________________________________ XXXX. Concerns of Discrimination Upon inquiry, Amex will not address whether the account closures disproportionately impacted individuals of XXXX descent. 
A significant number of my friendsalso of XXXX background with clean credit recordshave had their Amex accounts shut down in the same timeframe, receiving only identical misuse boilerplate with XXXX specifics. 
This raises serious questions about XXXX profiling or surname-based discrimination. 
Such conduct may violate federal laws, including the Equal Credit Opportunity Act and the Fair Credit Reporting Act, and potentially violate civil rights statutes. 
________________________________________ XXXX. Personal and Credit Impact Complete loss of access to my credit cards for travel, daily expenses, and emergencies.

Harmful effects on my credit score due to the sudden closure of longstanding accounts. 
Unjust financial stress and reputational damage. 
________________________________________ XXXX. Requested Relief To resolve this matter, I request that CFPB require American Express to : 1. Fully reinstate all XXXX of my credit card accounts immediately. 
XXXX. Provide a detailed, personalized, and documented explanation of the alleged misuseincluding dates, transaction details, exact policy sections violated, and investigation findings. 
XXXX. Disclose whether and how Amex considered or excluded XXXX or XXXX factors in the account review process. 
XXXX. Correct any adverse credit reporting resulting from the account closures, and confirm corrections to all credit bureaus. 
XXXX. Affirm that Amex will adopt fair process protocol for any future actions, including specific notice, evidence disclosure, and the right to respond. 
________________________________________ XXXX. Call for Investigation I respectfully urge CFPB to : Launch a formal investigation into Amexs systemic use of vague misuse allegations and lack of transparency.

Examine whether Amexs policies or practices disproportionately impact customers of XXXX descent. 
Require remedial actions, including restitution, credit file corrections, and policy reforms. 
________________________________________ XXXX. Supporting Documentation Attached are : My original complaint to CFPB and Amexs template-like response. 
Email correspondence and phone inquiry logs. 
Account details confirming good standing prior to closure. 
Statements from friends of XXXX descent who experienced the same issue. 
________________________________________ XXXX. Next Steps and Response Timeline I request a substantive response within XXXX  days, detailing : The outcome of any communications with Amex. 
Evidence of CFPBs follow up or directives. 
Specific actions planned to remedy my situation. 
If unaddressed, please escalate my case to : Enforcement under ECOA, FCRA, and relevant civil rights statutes. 
Coordination with federal and state regulators for further remedies. 
Amexs actionsin particular labeling me with misuse while offering XXXX evidenceare unfair, arbitrary, and possibly discriminatory. I look forward to CFPBs urgent investigation and resolution.

Company response to consumer: Closed with explanation