Consumer complaint received 2024-02-19 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: DE

Complaint narrative:
Early summer of XXXX, I discovered that I had been a victim of Identity theft and as advised I put a block on my credit bureau report ( s ) advising potential creditors to contact me first before approving any credit using my personal information. 
Later that year in XXXX, I received a letter from American Express stating that I had been approved for a new Amex Card and that my existing credit limit of {$12.00}, XXXX would be reduced to {$7000.00} to accommodate the new Blue Cash Everyday card with a credit line of {$6000.00}. I immediately contacted American Express to notify them that I had not requested another Amex card/account and that credit should not have been issued without contacting me first. 
Over the next several months, I contacted American Express numerous times to reiterate that I had not applied for an additional card/account, that I wanted my original credit limit reinstated to {$12000.00} and I did not wish to request a credit line credit line increase as was suggested by several representatives. In XXXX, XXXX, as suggested by a certain representative, I was advised to write a letter explaining my situation and again requested that the credit limit on my account be reinstated to at least {$12000.00} or {$13000.00}. 
Sometime in XXXX, XXXX, during a call with yet another supervisor I was advised that I had actually applied for the Blue Cash Everyday card, in XXXX of XXXX, during a call to customer service regarding another matter. Again, I requested that my credit line of {$12000.00} be reinstated as I do not have the card/account I had been approved for with a {$6000.00} credit line, my {$12000.00} credit line had been reduced for no reason other than to accommodate another card/account, was told that the investigation had not been finalized regarding my credit worthiness and I would be notified of the final outcome. 
I have been an American Express account holder for more than XXXX years now and have reliably paid the annual membership fees as billed and I am disgusted and furious about this entire debacle. The decrease in my Amex card credit limit of approximately 49 % has greatly impacted my XXXX XXXX and ultimately my livelihood. The lowered credit limit : is inexplicable to potential creditors; resulted in decreased credit lines of existing accounts; limited increases on existing accounts; produced higher insurance rates and loans; created fewer offers to extend new credit ; and diminished screening ( XXXX ) for other credit products. 
Enclosed please find copies of numerous correspondences from American Express ( including the card which I was told was NOT mailed out ), the names, dates and anecdotal notes with various representatives and supervisors that I have spoken with over the past several months as well as a copy of the letter I sent to American Express requesting my credit line be reinstated, to which I never received a response. 
The purpose of this complaint is to appeal to American Express to reinstate the credit limit on my Amex XXXX XXXX to at least {$12000.00} or {$13000.00} as determined in XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief