Consumer complaint received 2026-03-06 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:
On XX/XX/XXXX, or XX/XX/XXXX, or thereabouts, I contacted AMEX customer service concerning missing statements since XX/XX/XXXX. I spoke with the call center from the XXXX. After doing so, I received a statement that showed an investigation was initiated on a balance of {$3300.00}, or thereabouts. I did not dispute any charges on my credit card ending with # XXXX. Controvertibly, I paid {$2300.00}, or thereabouts, on this card in XX/XX/XXXX. On XX/XX/XXXX, AMEX Credit Department reviewed my credit card ending with XXXX and determined to lower my credit limit from {$2000.00} down to {$1000.00}. AMEX stated it sent correspondence explaining its decision. Given the explanation, one would have to take the total payments made and divided by XXXX months to get the average payment per month. In XXXX, I paid over {$2000.00}, which when divided by XXXX months would average to {$160.00} per month. At some point, I have used the maximum credit limit on this card. Furthermore, I did not receive the correspondence with the explanation until XX/XX/XXXX that effect the same day explaining my payments were below the balance usage and not compatible to the credit limit issued. Initially, I thought this was a fraudulent letter and a phishing scam. On XX/XX/XXXX, AMEX Credit Department reviewed my credit card ending with XXXX and determined to lower my credit limit from {$8000.00} down to {$1600.00}. Again, AMEX stated it sent a correspondence explaining its decision providing the same explanation as before. Given the explanation, one would have to take the total payments made and divided by XXXX months to get the average payment per month. In XXXX, I paid over {$7000.00}, which when divided by XXXX months would average to {$580.00} per month. I have used the maximum credit limit on this card since XXXX. Moreover, both credit card decisions were determined on the same date, which contradicts statements made by correspondence and email. Once I received the email, I contacted AMEX customer service or the provided number. I spoke with a person who suggested that he could do an appeal. However, I questioned who made such a determination because it was extremely bias and unfounded. Given the explanation, one would have to take the total payments made and divided by XXXX months to get the average payment per month. In XXXX, I paid over {$7000.00}, which when divided by XXXX months would average to {$580.00} per month. My question to the AMEX Credit Department is how much money do you think I need to spend per month on my credit card to satisfy you. When I was approved for this account, I read all of the Terms and Conditions clearly. It emphasized that if I did not use the card that it would be a cause to lower the credit limit. However, I have used my credit cards significantly and paid {$7000.00} XXXX in XXXX year. Currently, I have my auto insurance policy attached to XXXX card ( XXXX ), which is {$290.00} per month. My other card ( XXXX ) I use to purchase food pay cell phone bills monthly.

Company response to consumer: Closed with explanation