Consumer complaint received 2026-03-22 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: NY

Complaint narrative:
I am writing to formally request an executive-level review of the recent closure of my American Express account ( s ), including account ( s ) ending in XXXX. I was notified in febuary that my account ( s ) including business accounts had been closed ; however, I have not been provided with a clear or detailed explanation for this action. Given my longstanding relationship with American Express and my consistent history of responsible account management, this decision is both unexpected and concerning. Throughout my tenure as a cardmember, I have maintained my accounts in good standing, with a strong history of payments and responsible usage aligned with legitimate personal and business needs. Additionally, it is important to note that I have been a victim of identity theft on multiple occasions over the years. As a result, I have taken proactive measures to monitor and protect my financial accounts and remain vigilant regarding any irregular activity. If any aspect of my account history was flagged due to potential fraud concerns, I would welcome the opportunity to clarify and provide supporting documentation. With respect to my business account, there was a recent isolated late payment ; however, this does not reflect my overall payment behavior. Historically, I have consistently met my financial obligations and, in many cases, have paid balances and lines of credit in full. Importantly, my personal account has remained in good standing with a consistent and reliable payment history. As such, I respectfully request that my personal credit profile be evaluated independently, as it has not demonstrated any pattern of risk or delinquency. The closure of these accounts has created immediate and material disruption to my financial operations. These accounts have been actively used to manage ongoing expenses, and the sudden loss of access has impacted my ability to conduct normal financial transactions. If this action was taken as a result of a risk assessment, financial review, or automated flag, I would welcome the opportunity to provide supporting documentationincluding financial statements, identity theft records, or any additional information necessaryto address and resolve any concerns. Accordingly, I am requesting the following : A detailed explanation of the reason ( s ) for the account closures A comprehensive executive review of my account history Consideration for reinstatement of the affected account ( s ), particularly my personal account ( s ) Confirmation that no inaccurate or adverse reporting has been made to any credit reporting agencies, or correction if applicable I value my relationship with American Express and would strongly prefer to resolve this matter directly and amicably. However, given the lack of clarity surrounding this decision, I am seeking a thorough and transparent review at the executive level. Please provide a written response within 30 days of receipt of this correspondence. I am available at any time should additional information be required to facilitate your review. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation