Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I want to file a complaint about American Express credit card bank. The story is that I have been a customer with this bank for more than several decades, more than XXXX years, and I was extremely happy with this bank. I had more than XXXX credit cards, XXXX of them have total nearly {$700.00} fees annually. Despite that, I kept those cards and I did not cancel any of them, knowing that I did not use them much and did not benefit from the advantages. However, I loved the company unbearably. XXXX of the best companies The customer service was extremely respectful, making you not think about canceling any card. XXXX day, I wanted to cancel a card this year because of annual fees had increased to {$350.00} for gold card. I spoke with customer service via chat, but the person who spoke to me convinced me that this card has many advantages, he explain to me each advantage on this card that may eliminate the annual fees. He was extremely respectful and polite, which made me cancel the idea of canceling the card. What happened? Then I received a call today, Friday XX/XX/year>, at around XXXX PM, from a person saying that he is American Express, and he told me in a very, very, very bad manner and with a bad XXXX accent, that my account has been suspended and we want information about your financial situation, and if you didnt sent it we will close your account after XXXX He spoke to me and I suspected that this call was a fraud call and not from American Express because I had never been treated with such XXXX treatment before. It was confirmed after entering the American Express app program and I found that the account was really suspended.So the call was real I told him, then, why was the account suspended without any prior warning? Or any letters He ask what kind of work you do? I told him the answer and he said, Okay. I told him, You want me to sent my tax return I have it. He said We do not need it, we just want to access your bank account. He was acting like he dealing with a criminal. The story is I did not use the cards regularly, but I was always thinking to keep American Express and XXXX cards because I might only use American Express and cancel the rest. whenever I used a card I entered the fraud list to make sure that I am the card owner, view month ago I loaded cash from every card to the savings section in American Express, they contacted me again, did you make this transfer? I told them yes, then after several days they froze the account badly, well, the question here is XXXX years you did not freeze the account, XXXX years you did not request documents to interfere in my personal bank accounts, XXXX years I did not use the cards much. So why when you take the annual fees every year you did not ask for these documents? The answer is because I did not use the cards, and when I use my my cards you freeze the account, after the guy spoke to me with unpleasant and unprofessional right away I ask to close all accounts with annual fees I attached a picture of my account as suspended picture for unreasonable.

Company response to consumer: Closed with explanation