Consumer complaint received 2025-09-11 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:
American Express sent me a letter dated XX/XX/year> regarding closing my credit card accounts without my permission. American Express has blocked me from viewing their website, so it is impossible for me to see what has exactly taken place. I received an email from American Express that they were still monitoring my credit after closing my accounts without my permission, so I asked them to stop that service immediately. I informed American Express that under the Fair Credit Billing Act ( FCBA ) I have the right to dispute unauthorized and incorrect charges. I further explained that American Express is not allowed to retaliate by closing accounts when a cardholder reports unauthorized charges. I have explained to American Express on many different occasions that my wife and I are victims of identity theft and as such we have reported the unauthorized charges associated with our American Express accounts. American Express has violated the FCBA by not following required timelines, failing to investigate properly, retaliating by closing accounts, continuing to monitor my credit after closing accounts without my permission, failing to provide the evidence they relied upon when making the decision to re-post these unauthorized charges back to our accounts, and failing to provide the evidence relied upon to ultimately close our accounts. American Express had initially sided with our claims, but for reasons not provided they have decided to reverse their decision and re-post roughly {$13000.00} in charges. This has caused consequential damages to our credit score, ability to obtain new credit, and created a financial hardship to pay charges that were unauthorized. I informed American Express to immediately stop their credit monitoring services since my accounts were closed without my permission and to provide the evidence you relied upon when making this decision to re-post these unauthorized charges. I informed them that we will be filing a formal CFPB complaint against American Express due to these FCBA violations outlined and we will take additional legal actions if the unauthorized charges are not reversed. I informed them that they will receive additional correspondence from us regarding the CFPB complaint. I also informed them that we will not be paying the unauthorized charges. They have re-posted roughly {$10000.00} in unauthorized charges back to my Hilton Honors card and another roughly {$3000.00} to my XXXX XXXX XXXX card. They have closed both of these cards without my permission in addition to XXXX additional cards with {$0.00} balances to the best of my knowledge ( XXXX XXXX XXXX and Amex XXXX ). I also informed American Express that reporting late payments to the credit bureaus regarding these unauthorized charges on the accounts in question is a violation of the XXXX. My wife ( XXXX XXXX ) has also filed CFPB Complaint ID XXXX as both of our credit scores and ability to obtain new credit has been impacted by American Express 's actions regarding our credit cards.

Company response to consumer: Closed with explanation