Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Rebuttal to American Express Response Complaint Not Addressed ( Case XXXX XXXXXXXX ) # # XXXX Summary I am writing to formally dispute the response provided by American Express XXXX AmEx ) XXXX The response completely failed to address the core issues of my original complaint. AmEx responded regarding only XXXX card agreement, entirely omitting the fact that they improperly bundled XXXX distinct business entities, wrongfully suspended an account in good standing, and caused automated billing errors that escalated the issue. I request that the CFPB require AmEx to provide a complete response addressing the following unresolved points : # # Unresolved Issues # # # XXXX. Improper Cross-Collateralization/ Bundling of Separate Business Entities * * * The Issue : * * I hold XXXX separate AmEx cards tied to * * XXXX entirely separate business entities * *. * * * AmEx 's Action : * * AmEx treated these separate businesses as a single entity. When XXXX XXXX experienced financial difficulty, AmEx penalised XXXX XXXX. * * * The Impact : * * XXXX XXXX ( associated with XXXX XXXX ) had never been late, had never missed a payment, and had available credit. AmEx suspended XXXX XXXX for no legitimate reason, cutting off its utility and preventing the business from generating the revenue needed to pay off its balance. # # # XXXX. Forced Enrollment into XXXX XXXX XXXX * * * The Issue : * * AmEx forced * both * separate business cards into a Financial Relief Program simultaneously. * * * The Impact : * * While XXXX XXXX 's card required assistance, XXXX XXXX XXXX card was in good standing. By forcing XXXX XXXX into financial relief and suspending its charging privileges, AmEx continued to apply interest to an account that would have otherwise paid itself off through normal business operations. # # # XXXX. Autopay Failures and Mismanaged Representative Assurances * * * The Issue : * * Both cards were enrolled in separate Autopay schedules under their respective relief programs. When a payment was missed on XXXX XXXX, I immediately contacted an AmEx representative over the phone. * * * The Agreement : * * The representative assured me that AmEx would double-charge the account on the next billing date to cover both the missed and current payments. * * * AmEx 's Failure : * * AmEx failed to execute this agreed-upon payment, resulting in a second consecutive missed payment. # # # XXXX. Unwarranted Penalty Actions on the Account in Good Standing * * * The Issue : * * Following the second missed payment on Card XXXX ( which was caused by XXXX failure to process the agreed-upon double payment ), AmEx took XXXX action against Card XXXX. * * * The Impact : * * AmEx unilaterally removed Card XXXX from XXXX, despite Card XXXX having * * XXXX missed payments * * and being in full compliance with its own relief program. AmEx then kicked both cards out of the financial relief programs entirely. # # Conclusion & Requested XXXX XXXX initial response carefully avoided these facts, relying instead on boilerplate language regarding a single card agreement. They have provided no legal or contractual justification for : XXXX. Treating XXXX distinct business entities as XXXX. XXXX. Arbitrarily suspending an account in good standing ( XXXX XXXX ). XXXX. Failing to process payments as agreed upon by their phone representative, which directly triggered the account defaults.

Company response to consumer: Closed with explanation