Help Amex Card Closed for Unindentifed Reason!

[Anonymous]

I opened up an Amex Gold approximately a month ago. I added my spouse as an AU. We made a large purchase and immediately paid the balance in order to earn the introductory rewards bonus. Then we made a few other small purchases. All of a sudden, one day my spouse's card is declined for a small purchase. Then my card is declined for a few small purchases. I initiate a chat with AMEX to see what is going on and they refer me to the fraud department. I call the number for Fraud, and after authenticatiing and verifying my personal information, they tell me that they spoke to the "true account holder" and they closed the account. Whaaaaaaat??  I never told anyone from Amex to close the account. I tried to get more information, but they kept saying that was all they could tell me. Has anyone ever had an issue like this occur when they cancelled the account and wouldn't even tell you a reason??

[Np1791]

Have never had that happen to me but kind of weird how they can authenticate you with all of the questions and ssn and birthday stuff yet say that they spoke to the true account holder. Like they saw who applied and who called them. Can’t belive it. With that logic I could call with your info and be the true account holder myself.

[Anonymous]

I really confused as to why they closed it. They won't even let me reapply. I really don't understand why they can't tell me a valid reason.

[Shadowfactor]

I would call the fraud dept back. Ask to mail in notorized copies of SSN, DL and whatever else they ask for. Use that and see if they will reopen the account.

If not try doing the same thing but with the Amex EO.

Good luck

[Np1791]

They will probably tell you to wait for the letter in the mail.

[Anonymous]

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wrote:

I opened up an Amex Gold approximately a month ago. I added my spouse as an AU. We made a large purchase and immediately paid the balance in order to earn the introductory rewards bonus. Then we made a few other small purchases. All of a sudden, one day my spouse's card is declined for a small purchase. Then my card is declined for a few small purchases. I initiate a chat with AMEX to see what is going on and they refer me to the fraud department. I call the number for Fraud, and after authenticatiing and verifying my personal information, they tell me that they spoke to the "true account holder" and they closed the account. Whaaaaaaat??  I never told anyone from Amex to close the account. I tried to get more information, but they kept saying that was all they could tell me. Has anyone ever had an issue like this occur when they cancelled the account and wouldn't even tell you a reason??

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Heck you may be the resipriant of fraud. This is something I’d wait for the letter and maybe ask the advise of an attorney on. Could be as simple as a mixed file problem, or as bad as somebody stole your info. In any event I wouldn’t let it go.

[drboxing]

Never heard of this happening before, got to be a horrible experience.

[Anonymous]

Hm...this is a new one. Maybe the large purchase and immediate pay off spooked them somehow? I'm sure you'll get a letter documenting why, but I would call the fraud department and inquire again. 

[Anonymous]

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wrote:

I opened up an Amex Gold approximately a month ago. I added my spouse as an AU. We made a large purchase and immediately paid the balance in order to earn the introductory rewards bonus. Then we made a few other small purchases. All of a sudden, one day my spouse's card is declined for a small purchase. Then my card is declined for a few small purchases. I initiate a chat with AMEX to see what is going on and they refer me to the fraud department. I call the number for Fraud, and after authenticatiing and verifying my personal information, they tell me that they spoke to the "true account holder" and they closed the account. Whaaaaaaat??  I never told anyone from Amex to close the account. I tried to get more information, but they kept saying that was all they could tell me. Has anyone ever had an issue like this occur when they cancelled the account and wouldn't even tell you a reason??

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ok. You are being quite confusing. You state that they told you they spoke to the true account holder and that that person requested the account closed. Yet you still go on to state that they won't even tell you a reason. Which one is it? It cannot be both. Clearly there is a fraud or just a mix up issue. I've never heard of this before. But doubt it is due to the payout. Unless you bought a bunch of gift cards with the card or something fishy that may have seemed fraudulent to them then I doubt they closed you out for no good reason. 

[drboxing]

Curious as to know what happened. Hopefully you’ll get an update