Amex Complaint: Credit determination

#1726586 4 Jan 2016

Credit card

Complaint #1726586 submitted on 01/04/2016 relating to Amex. Complaint relates to Credit card - Credit determination .

Complaint was submitted via Web and sent to the company on Monday 4th January 2016.

Narrative (may be redacted).

I have had an account in good standing with American Express since XX/XX/XXXX. There are significant monthly charges and payments often in excess of $ XXXX/year on this account without incident.
XX/XX/XXXX I was informed that a 'credit review ' was requested despite re-assurance that the account was in good standing. This contact was made on a weekend morning before XXXX XXXX on my personal cellphone ( this account has been handled by my office through an authorized representative that works for me for more than 5 years ) and requested an IRS 'transcript '. I attempted to comply with the instructions of the 'financial review ' department whom I had never heard of before ( I initially thought the call was 'spam ' ) but was told they would not work with my administrator or accountants and that I must forward correspondence from the IRS to them in unopened envelopes ( so how was I to know whether there was an appropriate response or a form letter in the envelope? ). There was no further contact with American Express despite a note placed on the outside of the IRS envelope asking for them to contact me should the material not be responsive.
This past Saturday at XXXX XXXX EDT I was telephoned by a representative who told me that although my account remained in good standing financially, American Express was cancelling my account. No recourse, no time to cure, no appeal. I asked for a transcript of this and my prior conversations ( always speaking on a recorded line ) and was told that I would need to submit a subpoena to the 'phone company ' since this recording belonged to American Express . Although I always noted the name of the individual on a call each time I was told that I could not reach the prior individual. I requested a supervisor and multiple times was told they would reach me in '48 hours '. A manager never picked up the phone or returned my calls.
American Express holds itself out as a bank, identifies itself as a bank, and yet insisted on only addressing my account review on Sundays or Saturdays at non business hours not at my office, the official contact for me, but on my cellphone.
The behaviors described above violate my rights to due process with a credit agency or bank and are distinctly punitive, in contrast to my 28 year history of business with this company. Clearly there is a rogue department in Arizona that is systematically destroying customer relationships and targeting individuals - this is not the standard of business practice that a company purporting to be a 'bank ' and a credit agency should be allowed to use, randomly targeting individuals with accounts in good standing for no clear purpose.

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