Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business failed to address any of the concerns and once again acted in bad faith : -The business did not provide any valid reasons as to why they abruptly cancelled the account ( in less than 6 hours with no notice ). -The business claims that " we determined that recent disputes were not made in good faith '' without specifying which disputes they are referring to. -The business states to " submit a new application at a later date '' without specifying a date. -The business states to apply " again at a time when your circumstances have changed '' without specifying which unknown circumstances they are referring to. -The business admits to their selective and vindictive behavior in wrongfully closing the account by stating " This may be done at our discretion, even if you pay on time and your account is not in default. Unfortunately, were unable to provide advance notification when we cancel an account. '' -I have paid the balance due always on time and there was no valid nor legal reason for the business to close the account. On XX/XX/year>, the business closed the account without my awareness, nor consent. They only sent me an email that was really vague as to why they closed unexpectedly. I then called the business, was put on hold for 38 minutes and was told by the phone Agent that I needed to speak to a supervisor because it was a " business decision ''. I was then put on hold for an additional 23 minutes and the female supervisor stated that they didn't " need a reason to close the account '' and that they have the right to close it at any point with no explanation. I then told the supervisor that was unfair business practice and there are federal consumer rights against those retaliation actions. The supervisor then advised that the reason was because of the disputes against the merchant XXXX XXXX XXXX. I then reminded her that the merchant advised me to open the disputes with American Express since they were invalid and that I had nothing to do with them and that I provided American Express the emails from the merchant instructing to open the disputes. The supervisor did not seem to care and opted to not comment on the matter, told me to submit a new application to re-activate the account and then abruptly hung up the phone. I then submitted the application as the supervisor requested to reinstate the account. However, the customer service department said they denied it and apologized for any inconvenience. I asked why they denied if the supervisor said they would re-open it. The phone Agent said she didn't know and that it was a " business decision. '' I then reminded her what the supervisor said about submitting the application for it to be reinstated. The phone Agent then laughed and abruptly hung up the phone. Based on the attached vague emails and unprofessional phone calls, I believe the business has acted in bad faith and violated federal consumer rights by wrongfully closing my account, not providing a valid reason to closing it and not completing what the supervisor promised of re-opening the account to fix the issue. Attached are the emails from the business wrongfully closing the account and the emails from the merchant regarding the disputes that the supervisor stated on the recorded phone on XX/XX/year> were the reasons for closing the account.

Company response to consumer: Closed with explanation