Consumer complaint received 2022-06-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Original statement by Consumer Financial Protection Bureau : " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' -consumerfinance.gov XXXX We're the Consumer Financial Protection Bureau XXXX dedicated to making sure you are treated fairly ... '' Really? Or is this an act of fraud? Let 's find out. 

In order to aid Consumer Financial Protection Bureau in accomplishing and fulfilling that promise, statement and agenda, starting today, XX/XX/XXXX until XX/XX/XXXX, I, the Consumer, Non-Trustee, Beneficiary of the Social Security Trust and Trust which has the XXXX Social Security Number assigned to it and a credit card issued by the Social Security Administration for use by XXXX XXXX XXXX with date of birth as XX/XX/XXXX, or XX/XX/XXXX, now accepts the stated offer-to-contract, quoted above, by Consumer Financial Protection Bureau and grants Consumer Financial Protection Bureau the permission to access all credit reports -- though these reports should not even exist -- for the Consumer, Beneficiary and Plaintiff to aid you in ensuring, or making sure, all negatives and/or damaging communications -- 15 U.S.C. 1692 ( a ) 2 ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- are removed and indefinitely from the credit reports and fulfilling your statement : " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' Consumer Financial Protection Bureau, contact the Consumer, Beneficiary and Plaintiff to obtain any further information you need to access the credit reports for the Consumer, Beneficiary and Plaintiff. 


XXXX XXXX XXXX. 

v. 

AMERICAN EXPRESS, AMERICAN EXPRESS COMPANY, AMERICAN EXPRESS COMPANY XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX, AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ( XXXX ) XXXX, AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Defendant. 

Ignorance, or not, of the law is no excuse to break it. The disregard of the law by the Defendant, hereby additionally identified as " You '', " Your '' and " Their '', is unjust, unfair, and damaging treatment inflicted upon the Plaintiff, hereby additionally legally and lawfully identified as the " Consumer '' and, more importantly, the " Beneficiary '' of the Social Security Trust and Account the Social Security Number and its Credit Card -- 15 U.S.C. 1601 ( l ) -- which has been assigned and issued by the Social Security Administration to the legal and lawful Beneficiary and Consumer and identified as the Plaintiff, by the Defendant. 

Thus far, up until Thursday, XX/XX/XXXX, You continuously demonstrate and perform Your alleged supreme authority over and criminal actions against Congress -- the legislative body -- and the Consumer, Beneficiary, and Plaintiff. You were to remove Your existence andor communication -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- from, not only XXXX, but from all other consumer reports andor credit reports, stat. 

Defendant, You are hereby, put on written legal and lawful notice : 15 U.S.C. 1692 ( c ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). This legal and lawful notice also means You must, have to, and shall remove your communication -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or any credit bureau or consumer reporting agency, not just XXXX, any of which You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- from the Consumer credit andor consumer reports -- 15 U.S.C. 1681 ( a ) ( 1 ), 15 U.S.C. 1681 ( a ) ( 2 ) ( i ) which, by the way, is another found violation You have committed -- stat, immediately, indefinitely and forever. 

Additionally, as the Trustee, You are also in breach of fiduciary duty to the Beneficiary. 

https : //www.fdic.gov/resources/bankers/trust-fiduciary-activities/ https : //www.consumerfinance.gov/ask-cfpb/what-is-a-fiduciary-en-1769/ In the past and, thus far, up to Thursday, XX/XX/XXXX, Your evident willful andor intentional -- ignorance of and negligence to learn and comply with or abide by the law or governing governance is no excuse to break it -- violations and damaging actions or communications have resulted in damaging the reputation of the Consumer causing the Consumer loss of credit sales andor credit transactions opportunities totaling well over one hundred thousand dollars ( {$100000.00} ). 

Therefore, reparations are owed -- 15 U.S.C. 1681n -- and in the form of a postal money order, or Post_Office-issued money order or check -- U.C.C. 3-104 ( c ) codified on State level -- are additionally legally and lawfully owed, stat, by the Defendant and to the Beneficiary, Consumer and Plaintiff stat through the Post Office established by Congress. Once the Consumer has supplied evidence of the damages andor personal damages not to exclude loss of credit sales andor credit transactions, the Defendant will be notified with further lawful and legal details on how the Defendant shall completely fulfill the reparations settlement to the Beneficiary, Consumer and Plaintiff. 

Executed on XX/XX/XXXX.

Company response to consumer: Closed with explanation