Reading this honestly stunned me. You’d think after decades of perfect payment history, high spend, and zero issues, Amex would treat someone like a valued member… not freeze four cards at once while they're on vacation and demand bank statements, portfolio access, and IRS forms like they’re applying for a mortgage.
The part that really got me was the “no warning, just ambush” move. Cards dead at checkout, rep can’t explain anything, and then they still charged the annual fee while the account was frozen. Then slashing the limit to 5k on a Platinum after 26 years? Wild.
If Amex can’t tell long-term loyal customers why this is happening or how to avoid it, how do they expect anyone to trust their card at all? Hard to justify a 695 fee when the card might randomly stop working because some algorithm freaked out.
Feels like the financial review department is completely disconnected from everything Amex used to be known for.
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