Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
ADDENDUM TO COMPLAINT XXXX Submitted : XX/XX/year> Original Complaint Filed : XX/XX/year> Company : American Express Account XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this addendum to document material developments that have occurred since my original complaint was filed, and to expand the record of harm. -- - NEW ADVERSE ACTIONS XX/XX/year> On XX/XX/year> while my original complaint remained open and unresolved American Express took the following additional adverse actions : XXXX. XXXX XXXX XXXX ( XXXX ) : Credit limit formally reduced to {$12000.00}, with a cash advance limit of {$200.00}. XXXX. American Express XXXX XXXX ( XXXX ) : A Preset Spending Limit of {$1300.00} was assigned and the Pay Over Time Limit was reduced to {$1300.00}. Both actions were communicated by email only, on the same day, with no prior outreach, no warning, and no opportunity to respond before the reductions took effect. -- - DIRECT CREDIT SCORE HARM The credit limit reduction on the Blue Cash Preferred account has caused immediate and material harm to my credit profile. My outstanding balance did not change. However, because American Express unilaterally reduced my credit limit, my utilization ratio on that account increased from approximately XXXX XXXX to approximately XXXX % overnight. This utilization spike caused entirely by American Express 's action, not by any change in my financial behavior will negatively impact my credit score. This constitutes direct, documentable harm to a consumer whose account has remained current throughout this entire period. -- - COMPLETE ABSENCE OF DIRECT COMMUNICATION Since the original restriction was placed on my account in XX/XX/year>, American Express has not contacted me directly in any meaningful way. Specifically : - I have received no email asking me to verify my income or provide documentation - I have received no email explaining what specific information is needed to resolve the review- I have received no proactive communication explaining the basis for the restriction or the criteria for its removal- The company 's only interim CFPB response, dated XX/XX/year>, stated only that the complaint was " currently being researched '' XXXX days before XXXX new adverse actions were taken I became aware of the income verification option only by navigating to the American Express website independently. This is not adequate disclosure or process for a consumer whose account functionality has been suspended. -- - CONTINUED REWARDS RESTRICTION As noted in my original complaint, my Membership Rewards benefits were restricted without explicit prior disclosure. That restriction remains in place. I have still received no written explanation of why rewards access was limited, no confirmation of whether earned points are preserved, and no defined path to restoration. -- - SUMMARY OF CUMULATIVE HARM From approximately XX/XX/year> through the date of this addendum, I have experienced the following as a result of American Express 's actions on a current, non-delinquent account : - Approximately XXXX weeks of suspended charging privileges with no valid disclosed reason - Loss of access to earned rewards benefits - Cancellation of a legitimate high-value transaction - A manufactured utilization spike that will damage my credit score through no fault of my own - Complete absence of direct, actionable communication from the company - XXXX additional adverse actions taken while a regulatory complaint was actively pending My account has been current at every point during this period. I have not missed a payment, exceeded my credit limit, or engaged in any activity that was disclosed to me as a basis for these restrictions. I am requesting that the CFPB ensure American Express provides a substantive written response addressing each of these points, and that the full record of harm including the credit score impact of the manufactured utilization increase be considered in evaluating this complaint.

Company response to consumer: Closed with explanation