Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MA XXXX Cell : ( XXXX ) XXXX Email : XXXX SSN : XXXX Date of Birth : XX/XX/XXXX AMEX ACCOUNT : XXXX XXXX To AMERICAN EXPRESS P.O. XXXX XXXX XXXX NJ XXXX To Whom it XXXX Concern : Back in XXXX when I was in XXXX due XXXX horrible postpartum XXXX treatment ( I got sick in XX/XX/XXXX and found a professor and hospital that will help me and they did ), I sign my friend XXXX XXXX XXXX XXXX co - signer to increase her credit score. Without my knowledge AMEX sent her actual credit card, I never ordered it and never authorized it. XXXX took my AMEX card and went to " celebrity shopping " in XXXX XXXXXXXX XXXX XXXXXXXX, FL in XX/XX/XXXX. 
She had paid on my card for the XXXX watch, luxury bags, shoes etc. I do not understand why by my agreement, page XXXX out of XXXX : " XXXX XXXX : Your person-to-person transactions XXXX not exceed {$2000.00} within any XXXX period. You agree to manage your Account so that the total of your person-to-person transactions in any XXXX period does not exceed the XXXX XXXX. We XXXX not approve a person-to-person transaction if it would cause your Account to exceed the applicable XXXX XXXX. '' Thus, AMEX did not block her card, and she somehow spent {$52000.00} EVEN THOUGH MY LIMIT WAS {$30000.00}. 
It was a late night in XXXX and when I got SMS, I did not even understand what is going on and when I called AMEX, I was shocked! Of course, I immediately blocked the AMEX card. Once I did it, XXXX called me right away, she was screaming that its her card not mine and she can do whatever she wants, my reply was NO. Next day I called AMEX and explained everything they said it was my problem, and I am responsible. Thus, they consolidate the balance into XXXX XXXX and gave me the monthly payment {$1100.00} I was paying it all this time, and the balance now is according to XXXX statement {$20000.00}. I am going to press criminal and civil chargers against XXXX in XXXX XXXX XXXX of Massachusetts. 
Also, note this card was strictly the BUSINESS card and must be spent only for business-related transactions and CERTANLY NOT for luxury items such as XXXX XXXX XXXX XXXX XXXX Please see attached the statement as a prove what XXXX purchased in the mall during her celebrity, luxury shopping. 
Please investigate my account and transactions XXXX XXXX did on using my companys BUSSINESS card. Also, review the agreement and respond promptly why the card was used for luxury shopping like this without my authorization, my American Express did not block these obviously suspicious and not business-related transactions even thought any transactions exceed {$2000.00} must be blocked. 
I demand FULL reimbursement : - I paid for the Relief loan XXXX - I demand the compensation for emotional distress in amount of {$650000.00}, this whole situation made me anxious and very stressful as a result I start having panic attacks and was 9 times in Emergency Room at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, MA ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). On XX/XX/XXXX I was taken by XXXX and was XXXX hours under strong pain killer in the hospital ( see attached letter ). The doctor was going to put me in XXXX, and I refused and signed a contest letter. The last time I was in XXXX room on XX/XX/XXXX, total time was under XXXX XXXX hours.

Company response to consumer: Closed with explanation