Credit card or prepaid card -- Trouble using your card -- Complaint #5474503
Complaint Overview
Complaint ID: 5474503
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Georgia
ZIP Code: 30122
Date Received: 2022-04-20T12:00:00-05:00
Date Sent to Company: 2022-04-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm writing this complaint to inform the CFPB of an adverse action take against me a consumer. I've been a valued member of American Express for some years now and had no issues concerning my open end credit plan until now. I was 9 months pregnant and my due date was approaching and I had a family emergency. The primary purpose of this open end credit plan is primarily for personal family and household use. I needed to use my credit card to pay a unexpected bill that occurred because of my pregnancy and also to get some more things before my babygirl arrived. I was expecting any day. I tried to use my credit card and was shocked when the transaction denied because I double checked the balance to ensure I had the money available. I tried again and it didn't go through so this is when I became very alarmed. I was in the middle of an emergency and could rely on my open end credit plan at the moment I needed to most. The original limit on my open end credit plan was XXXX I then opened the app to my credit card account and see that American Express had decreased the limit to XXXX on my open end consumer credit plan without proper authorization or consent. I was shocked by this jus suddenly happening to me with no reason or explanation. I immediately felt sick, I was 9 months pregnant and hit with sudden financial injury. I spoke to several representatives who informed me that I had to pay them in order to get the limit I needed back. This is an Adverse Action and they are Guilty of taking 1 count of adverse action against me on XX/XX/2022. I am the beneficiary for the open end credit plan, American Express decreased the limit to my opened end credit plan but they have no authority to do. this was unauthorized use pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Frequently Asked Questions
What is Complaint #5474503 about?
Complaint #5474503 was filed against American Express Company regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-04-20T12:00:00-05:00.
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 (Credit card or prepaid card) 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.