Consumer complaint received 2024-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
2 years ago, in XX/XX/XXXX... I was given a {$2000.00} line of credit by XXXX, old name for American Express blueline of credit .... In XX/XX/XXXX, after that I used those {$2000.00} and paid them back. I requested an increase of this line of credit, since I was in dire need of it ... the representative that I spoke to, deny me that request and also deny my request to speak to a Manager or Supervisor... I called a second time, and that was the same reaction ... one other competitor at that time, requested that I pause my current line of credit, in order for them to allocate me a bigger one ... when I call them to explain this or to talk to a manager. I was advised to close my line of credit and to apply with that Competitor...

During the heated exchange, because I was frustrated that I could not get to explain my concerns to a manager... The representative told that the ball stops with her, and if I was not happy, I was welcome to leave and close my line... Notice, during the whole conversation, she never told me that, agreeing to close my line, if I could not speak to a manager.. will block me from ever applying a line of credit with American Express in the future, which is part of the protocole..

On my hand, since my goal was to be able to build good rapport and business relationship with American express in order to move from {$2000.00} line of credit, all the way to {$250000.00} over the year for my business... I would have never closed my line of credit if I was told this disclosures... I was not told so, and my line was closed by the agent... 

It was until 6 months after, around XX/XX/XXXX, when I came back, I was told that I could not apply at this time. This year, XXXX since XXXX I have been trying to get my line of credit back that was illegal closed from me because the representative at this time, did not like the way, I was defending my right on the phone during our heated exchange ... and she purposely withdraw the disclosure from letting me know, that there is an internal policy that will block me from reapplying. 

" They could check the record of this conversation as proof .... " Since XXXX, this is my XXXX XXXX attempt from getting someone from the corporate office or management to investigating what happen to me, and to bring me justice and give me back my line of credit, instead of illegally refusing me credit subjectively... I can not find anyone in this business who want to the take the accountability that I was given the wrong information and my line of credit was not close properly and there was no disclosures notices provided to me. 

I want my line of credit to be restored to me, and I want to apply for an increase based on the new financials records of my business. This is not too much asking when I was victim of discrimination during this exchange becayse, I told that representative that she was disrespectful... She proceed to close my line of credit without informing me of the closes of such actions. I want to gain access to my line of credit again. Please

Company response to consumer: Closed with explanation