Debt collection -- Threatened to contact someone or share information improperly -- Complaint #14223106
Complaint Overview
Complaint ID: 14223106
Company: American Express Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Talked to a third-party about your debt
State: Idaho
ZIP Code: 83814
Date Received: 2025-06-22T12:00:00-05:00
Date Sent to Company: 2025-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, American Express National Bank, represented by XXXX XXXX XXXX, P.S., filed a debt collection lawsuit against me in XXXX XXXX, Idaho. However, I was never properly served. I only became aware of the lawsuit when a third party texted me, explaining that a process server had handed her a clear plastic envelope with my full name, debt and legal documents clearly visible. This individual had no legal relationship to me. Additionally, my twin sister was contacted and given information about my alleged debt, without her identity being verified in any way. This represents a clear and repeated breach of my privacy and a direct violation of the Fair Debt Collection Practices Act. Once I discovered the suit, I responded pro se and notified the plaintiffs attorneys of these procedural violations, including the improper service and unauthorized disclosures. Instead of correcting course, they continued to escalate the case by passing it from attorney to attorney. Each one ignored the legal missteps and instead pressured me to settle or make payment arrangements, despite the fact that the case itself was tainted by serious misconduct. I informed them that I was proceeding without an attorney and that their actions were causing emotional distress, reputational harm, and disruption to my small business. Nevertheless, they persisted with these tactics. The Court issued a mandatory Mediation Order on XX/XX/year>, which they also failed to follow. As of now, no mediation has been scheduled. I have drafted a Motion for Sanctions and Dismissal with Prejudice, which is scheduled to be filed on Monday, XX/XX/year>, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho ( Case Nos. XXXX / XXXX ). This filing outlines the full extent of the procedural misconduct, third-party disclosures, and court order violations referenced in this complaint. I am requesting CFPB intervention and review for serious violations related to third-party disclosures, lack of proper legal notice, harassment of a self-represented individual, and failure to comply with judicial process.
Frequently Asked Questions
What is Complaint #14223106 about?
Complaint #14223106 was filed against American Express Company regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2025-06-22T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.