Consumer complaint received 2025-11-27 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: NM

Complaint narrative:
This complaint supplements my previous complaint, Case Number XXXX, filed on XX/XX/year>. This new filing provides critical updates and evidence after speaking with American Express and the accused merchant. 

SUMMARY OF ORIGINAL COMPLAINT ( XXXX ) : On XX/XX/year>, American Express abruptly reduced my XXXX XXXX Card credit limit from {$270000.00} to {$100000.00} without notice. This immediately put my account {$68000.00} over the new limit, causing severe disruption to my business operations, including declined payments to vendors and for XXXX employee cardholders. 

My account history shows exemplary behavior : Annual Spend : Over {$7.00} XXXX Payments in 2025 : XXXX payments totaling over {$7.00} XXXX Payment Frequency : Approx. every 7 days CRITICAL UPDATE : FALSE FRAUD ALLEGATION IDENTIFIED After filing my initial complaint, I received an adverse action notice from American Express. I then spoke with an Amex representative who confirmed the reason for the credit limit reduction. 

American Express alleged that I have a personal association with a specific merchant, XXXX XXXX XXXX, and that all charges to this merchant were fraudulent transactions where no goods or services were rendered. 

THIS ALLEGATION IS DEMONSTRABLY FALSE AND I HAVE DOCUMENTARY PROOF. 

THE FACTS : XXXX XXXX XXXX is an Independent Vendor : The merchant in question, XXXX XXXX XXXX, is a legitimate software and technology services company based in XXXX, TX. I have absolutely no ownership interest, equity stake, controlling role, or financial relationship with XXXX XXXX XXXX, other than as a business client. 

Third-Party Verification Obtained : I have obtained a signed, notarized letter from XXXX XXXX , the CEO of XXXX, XXXX XXXX This letter explicitly confirms : I ( XXXX XXXX ) have no ownership or financial interest in his company. 

XXXX XXXX XXXX has provided legitimate technology development, project management, and marketing services to my company, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ). 

All charges to my American Express account are for legitimate business expenses for services that were fully rendered and delivered. 

It is a normal, arm's-length vendor-client relationship. 

Invoices and Documentation : All charges to XXXX XXXX XXXX are backed by detailed invoices that itemize dates of service, hourly allocations, deliverables, and scope of work. 

AMERICAN EXPRESSS FAILURE : American Express took severe adverse action against my account based on a false fraud assumption, without performing basic due diligence. A simple phone call to me to inquire about the vendor relationship would have immediately clarified the situation. Instead, their actions have caused significant financial and operational damage to my business based on an incorrect algorithm or flawed analysis. 

FINANCIAL HARM AND DAMAGES ( Reiterated ) : Immediate business disruption and declined payments for XXXX employees. 

Damage to vendor relationships and business reputation. 

Operational costs and staff time to manage the fallout.

Company response to consumer: Closed with explanation