Good customer treated like dirt by Amex!
by Samantha M. - Posted Thu July 27, 2006 @ 12:00 AM
I am a current Amex Blue and Amex Delta Skymiles Gold customer. I got both cards back in January of 2006 with generous credit lines. I have paid in full every month on the Delta card and paid down far more than the minimum due on my Blue every month as well.
Back in April, I noticed that Amex had pulled my Experian report for an AR. I called in to speak with someone in the credit department worried because I am currently suing Experian for reporting derogatory accounts that do not belong to me. After months of trying myself to rid my report of them, I had to hire an attorney to work with me. Worried about the inquiry on my report, I called in to make sure it wasn't going to affect my status with Amex. Sure enough, they told me that there would be no adverse affect due to my good standing as a customer. As long as I paid on time, I wouldn't have any credit line decreases or closure of accounts. I had even offered to send in documentation of my court cases and updated reports from Equifax and TransUnion PROVING those accounts were not mine and did not reflect on my other two credit reports. THey told me it wasn't necessary.
Last week, I went onto my Amex account page online to pay my bill and was stunned! My Credit lines were SIGNIFICANTLY decreased!! My Blue card was decreased so drastically, it puts me at almost 100% utilization!!!
I immediately called in and spoke to a CSR who transferred me to the department who handles credit line decreases. They said it was because of what the Experian report had on it. I explained the situation, offered to send the documentation and told them they can pull EQ or TU ...or I'd send in updated reports if they'd like, directly from the credit reporting agencies themselves. I was told no, there was nothing they could do, they had to go by what Experian gave them. I was and AM in complete shock of how I am being treated over this matter. I have credit scores that were good enough to GET the cards and because of this massive error with Experian (that I am DOING something about by suing them), I lose my status? There is something seriously wrong with this!
I would like my credit lines re-established immediately! Having just had a baby 4 weeks ago, that money was our emergency credit in case of an emergency with the baby.
I have to say, I couldn't be more disappointed with the treatment I have received on this matter. I thought so very highly of American Express before this and now, not so much.