Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There HAS to be some form of consumer protection here as this is a similar instance to when CFPB ordered American Express to pay {$85.00} XXXX Refund to consumers harmed by ILLEGAL CREDIT CARD PRACTICES! At EVERY stage of of my ( consumer ) experience, from marketing ( continuing to market/sell me additional credit cards I DID NOT NEED ) to enrolment to payment ( American Express Executive Office was consolidating so I would only have to make one payment for all accounts, but they never followed up and FAILED ) to debt collection ( they SUED me instead ), my CONSUMER RIGHTS have been grossly VIOLATED! I am OVER the age of XXXX and I feel discriminated against. They have been unlawfully reporting to the credit bureaus as well which has INJURED me as well. They REFUSE to REMOVE my secondary ( staff member ) so their credit has been negatively impacted and they are NOT the primary card member and credit was NEVER pulled for this individual, XXXX XXXX! I personally have disputed ALL of the negative reports on my credit because they negatively reported the BUSINESS ACCOUNTS as well! 

American Express EXECUTIVE OFFICE FAILED to make a payment arrangement/agreement with me and during that process my matter had already escalated to their OFFSHORE ( XXXX ) legal department and before I knew it I was being SUED BY AMERICAN EXPRESS for business accounts/credit cards that carried balances during a pandemic. While working with their executive office which took so long to help because they were having " systems problems '' ; American Express Legal CLOSED ALL of my accounts ( both personal and business ) even though my personal accounts were NEVER IN DEFAULT! I had to pay attorneys fees for those personal accounts that were being paid ON-TIME. Now that all of these accounts have been either 100 % PAID OFF or totally settled ( on payment plans ) I continue to be harassed to PAY on these settlements because it's impossible to work with American Express OFFSHORE ( XXXX ) legal department who can not speak decent English and are obscenely DIFFICULT TO UNDERSTAND. Therefore NONE of these calls have been effective in setting up my payments! I have been on hold for almost an hour just waiting to be transferred to someone in American Express Legal IN THE UNITED STATES!! 

They have SUED me for all my accounts, but their legal department CAN NOT find my files in their department and tells me to call customer service at XXXX. They are so disjointed, disorganised and we the consumers SUFFER as a result! I'm just trying to do my due diligence, PAY them and they have made it excruciatingly DIFFICULT! And they they sue me! They are NOT working with me to pay off the old debt ( accrued during the PANDEMIC ) when my business suffered and was unable to pay in FULL. There were NEVER any benefits nor where there any OPTIONS for me to pay off the old debt - AGAIN their Executive Team FAILED at setting this up for me! AT least THREE of my accounts have been PAID IN FULL and American Express has yet to report this to the credit bureaus so my scores would be improved and they have NOT! And even though these accounts have been PAID IN FULL, American Express has NOT allowed me to reapply or reopen or use them! 

Thank you in advance for holding this horrific company accountable and especially in accordance with orders that were previously issued directly to American Express by YOU/CFPB!

Company response to consumer: Closed with explanation