Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
After XXXX years my interior design business is forced to close. It happened over the last year that now we are so far behind intent we must vacate and close our doors by the end of XXXX. We have no business totally broke. I have for all those XXXX years been an Amex cardholder both business and personal. Never missed a payment until this past year when we just dried up. I blame AI, the internet and economy as a non essential business. I have always paid Amex having XXXX business cards. I called and asked for help and they put me into their financial relief program which helped a lot, but during this time we changed banks and because some cards still debited from the closed bank they kicked me out of the financial relief program. I was furious it was not my fault it only happened twice and not on all the cards this was an automated mistake not something I did wrong. It didnt matter they would not reinstate me no matter how many calls. They took me out if the program., closed all XXXX accounts and went back to me owing the full balances and done normal pay over time amounts. I could not afford that. So this past week I heard from XXXX representatives the first woman who handled XXXX card a blue card I owe XXXX tried to get me to do a XXXX year settlement I said only if I can enroll all XXXX. She said she would get back to me. A few minutes later a XXXX from litigation called on a platinum card I owe XXXX and he kept telling me Id be turned over to collection from XXXX XXXX third party that would ruin my credit. I felt forced into doing so for XXXX years at XXXX a month. I just felt nervous and pressured into agreeing, XXXX closing my business wheres the money coming from, now he said he only had info on my platinum card do not tell me only lower end customer service does but he would not get out of the box to help and got very defensive with me when I called him out for not offering to do more to help a very long term client that had spent XXXX of dollars on their cards. But said he could not give me any info on the other XXXX cards. So I called into customer service who told me all XXXX cards were turned over to collection I never got any correspondence telling me that which I feel is not legal. XXXX tried the same tricks getting me to sign long term agreements and only knew of XXXX blue cards XXXX ea they had. No one as of today knows what the status of the last XXXX cards are and where they are in regard to collection since they dont have them. All I know is XXXX XXXX XXXX XXXX my company is closing not due to my fault, this was my only income, XXXX legally judgment proof in the state of Ohio by federal law I own no assets in my name just my husbands, including home, property, or automobiles. My XXXX is is XXXX and is not affiliated with my XXXX corp, and besides owing back rent of XXXX and other credit cards, XXXX in losns and XXXX to my XXXX I have no assets to collect and because they kicked my out if that relief program none of this would have happened when it was a change of banks automated mistake. They need to stop harassing me to cease and desist and I refuse to let them try to put me in deeper debt with XXXX income. This is taking advantage of people who have lost their livelihood.

Company response to consumer: Closed with explanation