Amex Credit Card Complaint

Credit line increase/decrease

Amex Credit card department,

Credit line increase/decrease Georgia

I opened a credit card with American Express and they gave me a limit of $10000.00. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by $6000.00 and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are $4000.00 and $500.00. Then It turns out that they 've run my wife ' credit without her permission and have somehow used her credit score to reduce mine AND reduce my limit. Her credit score has taken a hit, and they 're reporting that she has a balance with them of $2700.00 ( having never even spoken with them ).

Amex customer in Georgia
Jan 13, 2017

* Source: CFPB Complaint Database

Amex response to complaint:
Closed with explanation

Created with Highcharts 4.2.3AmexComplaint HistoryComplaints12/20112/20124/20126/20128/201210/201212/20122/20134/20136/20138/201310/201312/20132/20144/20146/20148/201410/201412/20142/20154/20156/20159/201511/20151/20163/20167/20169/201612/201602.557.51012.515Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3AmexCredit line increase/decrease78.0%3.5%9.0%9.5%Closed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed without reliefSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageCredit line increase/decrease0.4%73.3%5.8%8.2%2.3%9.7%0.1%0.2%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressUntimely responseSource: Consumer Financial Protection Bureau

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https://www.americanexpress.com/
800-528-4800
P.O.Box 981540
El Paso TX 79998
Amex
Amex

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