Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MI

Complaint narrative:
Evidenced by this letter sent in XX/XX/XXXX, I've been HARASSED by AMEX about this issue for two+ years- they reversed a previously issued credit of {$250.00}, which was given as I had met the terms of opening a new credit card account them, then charging me for this amount after I closed my credit account due to multiple fraudulent charges, no longer trusting their security. secure. Since then : a ) they've sent XXXX statements and other mailings XXXX  month demanding repayment of their reversed credit, which I had earned, b ) they've added exuberant " fees '' and " interest '' to the {$250.00} they erroneously said I owed, not indicating I owe them over {$800.00}, c ) they've threatened to have a Collection Agency take action against us and d ) they've significantly lower my and mine ( age XXXX XXXX ) previously EXCELLENT Credit Rating. 

XX/XX/XXXX To : American Express Customer Service/Fraud Operations From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Get Your Act Together and STOP Harassing Me!! 

XXXX XXXX. XXXX XXXX XXXX. - XXXX, XXXX XXXX I am a XXXX XXXX XXXX man who has an outstanding Credit History/Report, never paying a Credit Card Balance Late!! 

After calling your Customer Support line for four ( 4 ) consecutive months, which your phone records should verify, to clear the confusion about a supposed outstanding balance on my American Express XXXX XXXX XXXX XXXX, this is the LAST correspondence you will receive from me regarding this matter, which if not resolved and communicated back to me accordingly, in writing, will result in a XXXX claim and a request for government investigation! 

In late XX/XX/XXXXXXXX I was told, by one of your CSRs, to close this Business Credit Card Account due to an erroneous charge from Economy.Bookings.Com for {$430.00}. This being the second time this happened with my AMEX credit card, and hearing others having a similar experience with AMEX, I choose NOT to reopen a new AMEX account. 

Attaching the paper record since I closed this account, heres what you have erroneously and harassingly have done : 1. Closing Date XX/XX/XXXX XXXX indicating a Closing Account Balance of {$17.00}, which I promptly paid. 
2. Closing Date XX/XX/XXXX XXXX indicating a Closed Account with {$0.00} balance outstanding. In Particular Note : a ) This statement indicated you erroneously reversed a previously awarded Promotional Credit of {$250.00} that I had earned meeting the terms for the Incentive offered to open this account. b ) The balance credit on the account of {$120.00} was transferred to my Bank Account, completed by your CSR. 
XXXX. Closing Date XX/XX/XXXX XXXX indicating you Reversed a previously claimed and awarded back Fraud Dispute charge of {$370.00} from XXXX, without explanation, now indicating this to be my balance due. 
XXXX. Closing Dates XX/XX/XXXX and XX/XX/XXXX Adding insult to injury, you continue to send me Statements adding significant Penalties and Interest to the erroneous balance. 
XXXX. XX/XX/XXXX You Froze the personal AMEX credit card ( XXXXXXXX XXXX ) I had opened after my Business Account was closed, without prior explanation. 
XXXX. XX/XX/XXXX For the XXXX time, I again called your Customer Service number and was again was connected to someone overseas, with whom I could barely communicate due to the language barrier, who ( see above Referenced NO. ) indicated I had received a double credit for the previous fraudulent charge of {$370.00} from XXXX, one awarded by this company and the second awarded by AM EX, as was the reason this charge reappeared on my account, which I made sense to me. 

Closing this Account Dispute, Im sending the enclosed check, in the amount indicated below, and there by consider this Account to be Paid in Full and this matter resolved. NOTE : The check received and deposited as indicated. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation