Update: Everything is fine! They actually increased gold "spending limit" from $2100 to $3100, so something good came out of it at least!
Got the BCE and gold a little over 2 months ago. First month gold was posted at $850 or so, paid in full within a week. Now the balance is at $2100. I was on vacation with family and a $100 charge at walmart was declined. I called customer service and the lady said I've reached my limit and if I'd like to pay now to be able to use the card, I said no not right now, I'll pay in full whenever the statement closes(which is in a few days). The $2100 wasn't within a week, it was spread out throughout the whole month(except $500 down payment on vacation condo, and a few weeks later another $500 to have it paid, which still didn't trigger the FR since the card was still usable for weeks after that)
I look on app and both my cards have "Charging suspended. Please call blah blah number if we haven't already spoken to you." Got a call from AMEX yesterday but didn't recognize the number so didn't answer. Got an email last night saying I've been financially reviewed and to call to see what documents they need.
The problem is: my last years returns only show $5-6k(since it was only a few months of last year), and the income I listed was my parents income(since it literally said include anyone income that will be used to pay the card...) since they do most the charging as authorized users.) The BCE is also at $950/1k balance but that just closed and will also be paid in full, along with the gold card. Any advice on how to best explain this or what?
I understand they want to be careful, but jesus, the 2nd statement hasn't even posted yet...hopefully they just ask for bank statements or something but hey, they will either close the cards seeing my weak $5k income last year, or just put a low limit on the cards(hopefully the latter). Navy federal gave me a limit, I use the card up to that limit and pay in full. No problem. Amex gives you a limit, you use it, pay in full and still get "in trouble..."
Additional question: if they do decide to shut down the accounts regardless if I comply, will I be able to apply for cards in the future? Thanks in advance, just really annoying especially when I just hit the sign up bonus..."spend $4k in 3 months, oh you did! let's freeze your card and points and threaten to shut down your accounts! 'Don't live life without it 
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Parental income is not your income. The language does NOT state any money that will be used to pay the card, but income that you expect to have reasonable access to. Your parents charging on the account does not qualify as their income being shared equally with you.
Usually they want to see tax transcripts (which would be available for 2017 and 2018), but in the case of FRs they will sometimes accept banking records and other documents. If things don't match up, you will have a hard limit placed on the charge card or the accounts will be closed. If closed, you can apply again in the future when you can provide proof of income.
I got hit with one last year for no apparent reason that I could see. I'm sure they had their reasons. I did comply as I have always taken the approach to understate my income to be on the safe side. I think if you do not comply the likely result will be account closure in this case. There isn't enough history to work with for the Amex relationship eatablishment. What everyone has said is true though. Your parent's income should not be included in your reported income on the card. Plus it's always a good idea to tread lightly in carrying high balances with Amex. I think that's true whether in economic crisis or not. I have always seen Amex be sensitive to that, especially in new banking relationships. But that's just from what I have seen up here.
OP I'm not trying to give you a hard time I just wanted to make sure you know reporting high balances can be bad for your scores and can concern lenders. Since the BCE is a revolving credit card it was probably a mistake to let it report with utilization that high. It looks like the utization on that card is maxed out and if you only have 4 cards (unless the Navy's have high limits) you made your overall utilization pretty high too. I
don't have any charge cards but I think the people who let them report high on purpose usually have high combind credit limits and longer histories. I could be wrong since I don't know your profile. I hope you don't lose your Amex cards but if you do you can still get back on track. 