Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On or about XX/XX/year>, i called AMEX about a credit charge alert for about {$12.00}. I never saw the charge. AMEX wouldn't show it to me. They closed my account over it, after 43 years of making every single payment on time. They offered to issue me a new card, i rejected it since i didn't know if the same thing would happen - that i didn't know if some new 'bogus ' fraudulent charge would be somehow found and that I'd never be allowed to see that charge. It is my belief that the card co wanted two accounts open in my name, both accruing user charges and both incurring rates of 19 % to 30 % interest. They closed the account then reported the closer to credit card score companies - without explaining or giving me any kind of paperwork saying - that the account had been closed due to fraudulent activity that was not mine. Again, AMEX admitted the fraudulent charge had nothing to do with me but they refused to say so to any credit card score agency. My XXXX  score went down XXXX points over this. I called and called AMEX and they wouldn't do anything but give me a rote answer and would do nothing about the situation. Again, I was with this company for 43 years and never once missed a payment. They knew my credit was very good, otherwise, they wouldn't have offered to open another account for me after they closed my old one. They send letters saying all my benefits on the old account are all closed. The bad report to the credit card companies- the one that caused my XXXX  score to go down XXXX points- came right AFTER i denied any new cards being sent to me. I believe AMEX is retaliating for not opening a new account with them. I still have never seen the fraudulent charge that supposedly caused all this. I asked to see it and was denied. AMEX claims that I exhausted the right to keep my account open. I don't know what that means. I want my credit score repaired. I want XXXX points put back on my XXXX score. I want AMEX to issue me a written notice and that such notice should go to the credit score companies that the fraudulent charge and the closure of a 43 year old account was not my fault and had nothing to do with me. Since AMEX closed the account out due to no fault of my own, i want them to be totally restricted from making any future comments against any accounts, my name, my reputation or anything having to do with me. I have agreed, as always, to pay off any statement that I have with AMEX. As long as I do that, they should not have any input into my credit scores whatsoever except in making them higher for paying off my accounts on time. AMEX should not be able to lower an account score when the fault for fraud existed with them. I reiterate, i don't know what {$12.00} cent charge they are referring to that caused all this. I never saw it. AMEX refused to show it to me when i repeatedly asked to see it.

Company response to consumer: Closed with explanation