Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I disputed a charge of {$49.00}. I provided the email in relation to this case that was in reference to XXXX XXXX XXXXXXXX. The company provided them with an email in relation to a whole different ticket purchase for {$59.00} XXXX XXXX XXXX  ) which I paid. I sent them the correct email for the XXXX XXXX XXXXXXXX which is what I was disputing for {$49.00} because I paid for a seat and due to a XXXX individual that did not want me sitting by her, they put a single regular chair with no armrests or stability and I am XXXXXXXX XXXX XXXX XXXX XXXX which causes balance issues. I also was sat with this single chair in a walkway that people used to get to their seats or go to the bathroom. I did not get the seat or a proper seat that I paid for. I had no seat at all even in the seating area, so I had to leave. They have been doing fraud on my account. XXXX with my credit limit, opening new accounts and closing accounts without my permission but reported to the credit company that I requested this new account and that is not true.I was unaware that they opened a new credit account as I have not applied or even asked for a new account. Isn't this fraud? They have also lowered my credit limit without reason on both accounts without contacting me and without reason as I have never paid my bill late or missed a payment. The employee made mistakes and they're covering it up. I was told to contact them in 95 days to request a credit increase. Why would I need to do that when it should've never been lowered and you can see that the employee messing up my account. They refuse to fix their mistakes. They keep rejecting my disputes no matter what and I truly believe that this is retaliation for me reporting them before. Since then all this issues started on my account as well as them not investigating my disputes and just rejecting it. They reject my insurance claims, disputes, and mess with my account/credit. This to me seems like fraud. I put in a insurance claim almost a year ago and they keep rejecting that too.I 've provided everything they asked for an its still an issue. I am tired of being a victim and them playing with my XXXX XXXX. They allowed the company i disputed that they rejected to charge my card again without my knowledge a whole new charge and amex allowed that. I don't know how they were able to charge my card again without my knowledge or consent or having anything to do with it. I don't feel secure with this company so I will not be using this card. They do not protect me, instead they victimize me and commit fraud on my accounts as retaliation. My credit is being affected by their fraudulent reporting on my credit card and the employee messing up my credit limit and amex being unresponsive. I've attached two snapshots of the fraudulently closed and open Amex accounts that shows mu credit limits were being tampered with. The closed account shows a credit limit of {$800.00} when it was actually {$3500.00} and then on the new account opened without my knowledge or request is showing a credit limit of {$2800.00} when my credit limit was {$3500.00} and was never decreased as my payments have never been late and my income has not going down. My credit score is pretty high, so there is no reason why my credit limit would show them amounts. Fraud. I also did not request my amex account to be closed. They did that without my knowledge or consent as it didn't need to be done to replace a stolen credit card. They're messing with my credit as retaliation. I am getting very exhausted with Amex and my next step may be to take it to the courts and have them settle this since calling, chatting, and filing complaints doesn't work.I 've also included a screen shot from my credit report showing the my payments have never been late and what my credit limit was on that card until they fraudulently closed and opened a new account without my consent.

Company response to consumer: Closed with monetary relief