Amex charging suspended

[Anonymous]

Hello everyone I'm new to the my fico forum.I have a quick question I have a American Express gold business rewards card yesterday I went and logged on to the Amex website and saw in bright orange color charging supsened I didn't understand completely I called Amex cs they transferred the call and said I would need to speak to the credit department about my account let me give u the specifics about my account it has been open for a month not a single charge has been made the only thing I have done is made a accidental payment of 50dollars on a zero balance account the same day I believe charging was supened they said that would refund the 50bucks because their was no balance they have requested a check to be sent to my home address a couple months ago someone got approved for a platinum card using my information which is still on their files but I closed it out due to application fraud they also opened some accounts with differnt issuers I've got those remove as well I've got my inquires down to 3 on transunion but equifax is no help to remove some of the unauthorized inquires of 21 they have said for me to call each and everyone of the creditors for them to send a deletion of inquires to equifax this is too much to handle I will wait the 2years for the inquires to be deleted my scores are 726equifax 776transunion 740 experian 21 inquires for equifax 3 for transunion I don't know the other one my credit history show recent use of bank card 0% percent utizalltion excellent payment history my oldest credit card is 24yrs and 11months which was a citi credit card closed and paid off when the recession started the Credit card companies think That because one credit card was fraud the next one I apply could be.i am kind of confused could u read this and tell me what's American Express is up to and why they supsened my business gold rewards card and why can't I make charges on my account that is why I'm making this post.

[Anonymous]

Sorry to hear but it seems they probably suspected fraud based on what you just said.  Before dealing with Amex, freeze all your reports immediately if you haven't done so already as it seems someone else has your information.

Once that is done, call Amex back and see exactly what they need to remove the suspension from your account.  Because all we can do is speculate as to why Amex suspended it based on your post.  So call them and get the steps need to get your card back to normal.  Keep us posted.

[Anonymous]

Do u speculate that they would want to see my tax returns perhaps or fiancial info or just a simple Phone call to remove the block

[Anonymous]

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@Anonymous wrote:
Do u speculate that they would want to see my tax returns perhaps or fiancial info or just a simple Phone call to remove the block

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Usually, account suspended means they want to see some financial infomation.  But that may not be true in your case that is why I said lets not speculate until you call to see exactly what they need to remove the suspension.

If you have not made any charges and just mistakenly made a payment, then there has to be another reason but only Amex knows for sure.  Do you have other Amex's and also, if you didn't use the card, what prompted you to make a payment?  Just curious..

[Anonymous]

I don't have other Amex cards ithought I was making a payment on my Bank of America business card since they are both business cards I understand my error but that's not enough to suspend charges

[Anonymous]

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@Anonymous wrote:
I don't have other Amex cards ithought I was making a payment on my Bank of America business card since they are both business cards I understand my error but that's not enough to suspend charges

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Oh ok.. We all make mistakes.  Call Amex and explain the error if that is the red flag.  If they want tax returns /financial documants they will let you know also.  Keep us posted on what they said.. Have you called already?