Credit card or prepaid card -- Problem when making payments -- Complaint #7223429
Complaint Overview
Complaint ID: 7223429
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Alabama
ZIP Code: 368XX
Date Received: 2023-07-08T12:00:00-05:00
Date Sent to Company: 2023-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. I submitted a negotiable instrument in switch American Express did not accept without any detailed explanation. They stated that the payment was non negotiable but did not state what made the payment non negotiable. In a detailed manner I am asking what made the negotiable instrument, non negotiable? If not acceptable my next steps are to sue the company for damages because this is harming me from excelling in life and buying a car and home for myself because of the ignorance of the law. The negotiable instrument had everything that was needed to have the money sent to them. Under UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Frequently Asked Questions
What is Complaint #7223429 about?
Complaint #7223429 was filed against American Express Company regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2023-07-08T12:00:00-05:00.
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 (Credit card or prepaid card) 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.