Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #11033998
Complaint Overview
Complaint ID: 11033998
Company: American Express Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Florida
ZIP Code: 33830
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Long story short my mother name was involved with a debt with a credit card company ( American Express ) because of her authorize user. ( Another family member ). She decided to take responsibility for her authorized user. She was paying on the debt for years to where it was close to paid off but the statute of limitation was approaching as well. Now American Express has chosen to levy all of my mothers bank accounts ( Without Notice or A Court Hearing ) and cleared it including my bank account which I had her on, all XXXX dollars. So my money is gone too. They did this all without a court summons or any paperwork filed for garnished of pay. They garnished every dollar we have without filing anything with the courts. All of our money was taken on XXXX XXXX. We spent every calling trying to figure out whats going on. They decide to send my mom a letting on XX/XX/XXXX stating that they would be garnishing her pay. Days after they already took everything we had. We only got a letter after we were calling them all day. All without a court hearing or paperwork filed for garnishment. Not even a prior notice. They just took our money. By law a financial institution is not able to clear your bank account completely without a judgement from the courts. I would like for American Express to be held accountable for this. Currently they still have my money which has kept me from paying my bills. I receive notice from USPS everyday on when mail arrives to my home and this is the first letter theyve sent in months. After taking all that I have. XX/XX/XXXX XXXX was taken from my account and every transaction I made over the weekend was reversed, putting me in a deficit of - {$48.00}. ( Transactions that were made XXXX I transferred money to XXXX to complete purchases which were all reversed leaving me in negative. ) I froze my account and transferred the remaining funds that I had. Which was XXXX. They unfrozen my account XX/XX/XXXX and cleared it to XXXX again. Again, all without a court order, no prior motion to garnish pay or levy accounts. They filed a fake legal order without any judgement. I cant pay my bills because they broke the law and I would like them held accountable.
Frequently Asked Questions
What is Complaint #11033998 about?
Complaint #11033998 was filed against American Express Company regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2024-12-04T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.