Debt collection -- Attempts to collect debt not owed -- Complaint #4929589
Complaint Overview
Complaint ID: 4929589
Company: American Express Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33313
Date Received: 2021-11-19T12:00:00-05:00
Date Sent to Company: 2021-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
AMERICAN EXPRESS is attempting to dishonor federal law and the truth in lending act regulation Z by attempting to not regulate it like the open-end credit account it is pursuant to 12 cfr 226.2 ( 20 ) .I am only subject to pay a finance charge from time to time, not any transaction made.Also pursuant to regulation Z it is a well known fact that A bank can not extend credit.Due to that I have conducted a private administrative audit by right of action requesting a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private, I must clarify who funded this account and the amount owed according to the journal and ledger entries from the date of open of the account as described in IRS publication 583 . Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. Pursuant to. 18 USC 8 all debts are the obligations of the United States a federal corporation defined under 28 usc 3002 ( 15 ) .Pursuant to 31 usc 3123 the United States has pledged to pay all public debt and interest.Technically AMERICAN EXPRESS is acting as a 3rd party attempting to collect this debt .Pursuant to 20 CFR 422.103 ( d ) the social security number attached to this account belongs to the social security Administration therefore so does any alleged debts.AMERICAN EXPRESS is in violation of 15 usc 1692e as they are telling me an amount is due on my account that has a positive credit balance which is false and misleading as I can not pay something that is already positive.I have reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error. on June 5,1933 Congress enacted HJR 192 took away our ability to pay with lawful money and gave us legal tender that shall be discharged dollar for dollar. AMERICAN EXPRESS is in possession of a negotiable instrument pursuant to UCC 3-104.even if they dont accept it UCC states they must discharge to the extent of the amount of tender pursuant to UCC 3-603 ( b )
Frequently Asked Questions
What is Complaint #4929589 about?
Complaint #4929589 was filed against American Express Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-11-19T12:00:00-05:00.
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.