Consumer complaint received 2026-06-02 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: FL

Complaint narrative:
CFPB COMPLAINT WRONGFUL TERMINATION, SYSTEMIC REVENUE PROTECTIVE RETALIATION, AND MATERIAL VIOLATIONS OF THE EQUAL CREDIT OPPORTUNITY ACT ( ECOA ) Company : American Express National Bank Involved Accounts : Ending in XXXX, XXXX, and XXXX Prior CFPB Reference Numbers : XXXX & XXXX Federal Regulations Violated : Equal Credit Opportunity Act ( ECOA ) 12 CFR 1002.4 ( a ), Fair Credit Billing Act ( FCBA ) 12 CFR 1026.13, and Dodd-Frank Act UDAAP. NARRATIVE CHRONOLOGY OF WILLFUL RETALIATION : I am filing this urgent, escalated complaint against American Express National Bank for engaging in textbook regulatory retaliation and punitive adverse action against a consumer for exercising protected federal rights. The timeline below definitively establishes that American Express weaponized account closure to avoid liability for unresolved billing errors and to penalize me for filing regulatory complaints : XX/XX/2026 : I filed two explicit and distinct complaints with the CFPB against American Express for gross negligence in handling unauthorized identity fraud. XXXX XXXX. XXXX : Documented systemic fraud on my Amex Hilton Honors card involving unauthorized merchants ( XXXX XXXX, XXXX, XXXX, XXXX 's XXXX XXXX ) . XXXX XXXX. XXXX : Documented a series of rapid, unauthorized fraudulent charges from XXXX XXXX XXXX {$1800.00} on my Amex XXXX XXXX XXXX card. XX/XX/2026 : American Express Customer Advocate Services ( signed by XXXX XXXX ) issued a deficient interim response under reference numbers XXXX and XXXX ( Account ending in XXXX ) ( XXXX ). Instead of separating the distinct fraud profiles, the bank lazily consolidated both cases and failed to execute a forensic or independent investigation ( XXXX ). XX/XX/XXXX & XX/XX/2026 : I exercised my right to provide negative feedback through the CFPB portal, officially rejecting Amexs response and notifying the bureau that the bank was avoiding its statutory duties by mixing up two completely different credit card products and separate disputes. XX/XX/2026 : Exactly 40 days after I flagged their non-compliance to the federal government, American Express retaliated by issuing an Adverse Action notice, summarily terminating my credit facilities ( Accounts ending in XXXX and XXXX ). The bank explicitly stated the closure was due to my fraud disputes, baselessly claiming : " we believe the use was authorized and that you were not exercising your dispute rights in good faith. '' LEGAL INFRACTIONS & STATUTORY DAMAGES : 1 Direct Violation of ECOA Retaliation Protections ( 12 CFR 1002.4 ( a ) ) : The Equal Credit Opportunity Act ( ECOA ) strictly mandates that a creditor shall not take adverse action or discriminate against an applicant because that applicant has exercised, in good faith, any right under the Consumer Credit Protection Act. Disputing a credit card billing error under the Fair Credit Billing Act ( FCBA )/ Regulation Z is a protected right. Weaponizing account closure because a consumer refuses to accept a lazy, unconstitutional dispute resolution is a direct violation of federal law. 2 Failure to Maintain Burden of Proof & Conduct Reasonable Investigation ( 12 CFR 1026.13 ) : Under the FCBA, the burden of proof rests entirely on American Express to produce definitive technical metadata ( such as device XXXX addresses, matching IP geolocation, or secure multi-factor tokens ) proving authorization. Amex has produced zero forensic evidence. Accusing a victim of identity theft of acting in " bad faith '' as an excuse to shut down accounts constitutes an abusive corporate defense mechanism. 3 UDAAP Invalidation of Adverse Action : Using retaliatory closures to artificially suppress fraud metrics and eliminate consumers who utilize regulatory oversight channels ( the CFPB ) is an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). REMEDY AND SETTLEMENT DEMANDED TO AVOID LITIGATION : To resolve this documented matter of willful statutory non-compliance prior to escalating this case to the XXXX XXXX XXXX ( XXXX ) or federal court for severe punitive damages, I demand the following specific remedies : 1 Immediate and Unconditional Account Reinstatement : American Express must manually override the risk closure and fully restore accounts ending in XXXX and XXXX to active status with original limits. 2 Statutory & Punitive Damages ( {$10000.00} ) : A settlement payment of {$10000.00} as provided under 15 U.S.C. 1691e ( b ) for willful violation of the ECOA, emotional distress, and defamation of character by falsely accusing the consumer of bad-faith billing practices. 3 Release of the Forensic Investigation File : Delivery of the complete, unredacted internal technical audit logs for the disputed XXXX and merchant transactions to prove what " investigation '' was conducted between XX/XX/XXXX and XX/XX/2026 ( XXXX ). 4 Credit Bureau Correction : Complete suppression of any forced-closure remarks ( e.g., " Closed by Grantor '' ) on XXXX XXXX XXXX XXXX, ensuring the accounts reflect a clean, unblemished status.

Company response to consumer: Closed with explanation