Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Hello, I opened my account at the beginning of XXXX. This is a high-yield savings account. I deposited a check for {$190.00} which is a valid check. American Express held for 11 business day+5 non-business days+the day of the deposit+thewhole for it to be released. 18 days? 

I linked an outside bank account that I have had for a long time to transfer the money to when the check cleared. I do not have a vehicle or a way to cash the check-in person so I have to find a way to do it mobile. I own a XXXX XXXX and I have an American Express business account and I thought I would try them. But I can't transfer it to my business account since it's a personal check. That's why I opened the savings. Plus it wouldn't hurt to start saving. 

My account was linked successfully. I set up the transfer. I got confirmation of the transfer being completed. 

Then American express decides. They didn't want to give me my money. They were going to lock my account and reverse my transaction. 

This is the best part. When I called them and spoke to there business operations team. 4 times today on XX/XX/XXXX starting at XXXX XXXX XXXX. Every single one of them lied. They told me me multiple lies. After I explained to them not because I'm recording the call and I worked in management for XXXX and XXXX XXXX for 8 years! Did they listen? XXXX no. They verified all of my information when I got on the call. Even sending me a text message to the number that is on my account. Verified. First they told me they can't see my account because they closed it today. This is the nank operations department mind you. I know they can the account and I also know the account is not closed because I WAS IN IT WHEN SHE WAS SAYING THAT. Every one of them expected me to believe that XXXX. Then I asked what are they doing with my money. She said I need to refer to the maker of the check? 

XXXX XXXX! YOU CASHED THE CHECK! THENOTHER BANK PAID YOU FOR THE CHECK. THE FUNDS ARE AND HAVE BEEN AVSILBLE IN Y ACCOUNT FOR DAYS. AND YOU WANT ME TO CALL THE PERSON THATWROTE THE CHECK FOR WHAT REASON? BECAUSE THEY ALREADY TOLD ME THE CHECK CLEARED. THIS IS NOT AMERICAN EXPRESSS WORLD. YOU CSNT DO WHATEVER YOU FELL LIKE SND YOU SURE AS XXXX CSNT JUST STEEL MY MONEY. 

They think that they can not tell, e what's going on. Why they couldn't do this when I opened the account, if I'm so horrible then why is business account still opened and unphased like it has been since I open it. 

Haven't these people ever heard of REGULATION E and funds availability? Apparently not. Because they are violating that right now. 

I'm also sending a complaint to the attorney generals office and the Office of the Comptroller of the Currency. 

I don't care if it's a XXXX I'm an American, I am a veteran, and I have rights. THAT I WOULD AND WILL XXXX XXXX if needed. The day a bank gets away with trampling on mine is ABSOLUTLEY NEVER! 

I WANT MY MONEY AND I WANT IT NOW. I've ALREADY HAD ONE BANK STEAL {$30000.00} FROM ME THIS YEAR AND THEIR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ITS IN THE HANDS OF AUTHORITIES FINALLY. BUT IT CAN AND WILL GET DEALT WITH. JUST LIKE AMERICAN EXPRESS. SINCE YOU GUYS ARE FAILING TO REMBER THAT YOU DONT CONTROL WHAT THE PEOPLE DO. WE CONTROL WHAT YOU DO. ILL REMIND OF THST HAPPILY. 

ALL OF THE DATES WILL BE ON THE ATTACHED ACCOUNT INFORMATION AND CONFIRMATION EMAILS I RECEIVED ABOUT EVERYTHING I JUST SAID. HOLDS, AVAILABILTY, TRANSFER, AUTHORIZING AND APPROVING TRANSFER FROM AMERICAN EXPRESS AND THEN NOTHING SHOWING THE REVERSAL, EXCEPT FOR MY SCREEN SHOTS. I ALSO HAVE EVERY SINGLE PHONE CALL RECORDED AND GREAT DISPLAYS OF THEIR ATTEMPTED THEFT OF MY MONEY AND TALKING TO ME LIKE XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief