Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
After being involved in a months long battle over disputed charges involving a dubious medspa merchant that injected the wrong type of filler products ( sold me a lesser cheaper type of cosmeceutical product under the guise it was the better longer lasting more efficacious and more expensive product ) and after I complained to the merchant that the product failed to provide any benefits or results ( also due to injector error/negligence and the failure of the medspa to properly store, monitor, identify and transport the perishable filler product thus also endangering me, plus a good portion of the product was lost during the injection process due to leakage. So I never even got what I was promised and was supposed to receive. I provided evidence showing the controversy ( and the proof that the medspa had reported to the supplier I had actually been injected with the cheaper, wrong type of filler ( Volbella ) instead of Voluma ( what I was supposed to receive and what I had paid for in good faith ) So I provided XXXX XXXX copies of the documentation from the supplier ( XXXX via a product usage rewards program ) This contradicts the falsities that the merchant had been sharing with XXXX XXXX I also informed XXXX XXXX  of violations of my HIPAA rights and that the merchant was defaming me and that I had a justified right to pursue a charge back after the dubious merchant refused to remedy their egregious mistakes in giving me the wrong product and then trying to cover it up and blame me. That said, after I filed a CFPB complaint, XXXX XXXX acted aggressively and unfairly by reducing my credit limit to just above my balance ( and if they refuse to honor my charge back request and this {$460.00} sum is posted back to my card, this will put me over the limit allowing XXXX XXXX to unfairly and deceptively obtain over the limit fees and interest! I also believe that they took this action as a way to force me to pay the card down and to act in a retaliatory manner. I am being victimized repeatedly in multiple ways and this is unfair. No only has XXXX XXXX failed to honor a justified charge back where I have been victimized by a medspa merchant that has failed to abide by Ohio consumer protection laws ( they never provided sale/purchase contracts and the goods were over {$500.00} and they failed to obtain my signature on a valid written receipt! ) But they also engaged in a nefarious or reckless mistake of using a cheaper inappropriate filler product. XXXX XXXX has refused to take the time to carefully read all of the supporting documentation I provided in support of my legitimate charge back request. I have rights under the XXXX but also I feel XXXX XXXX  should not have been aiding and abetting the invasion of my privacy by the dubious merchant and favoring them over me. But to then turn around and cause me even more financial harm by lowering my credit limit in retaliation to my filing a CFPB complaint is beyond unconscionable! This has devastated my credit standing and scores and is an act of retaliation that should not be allowed to stand. My payments were all up to date and on time. This was uncalled for.

Company response to consumer: Closed with explanation