Consumer complaint received 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received an email as follows from : XXXX " Dear Debtor, Find Your Warrant Copy : XXXX will be released on your Name. 

This is the last chance to settle this account. 

This Legal Proceeding will be issued on your Docket Number XXXX with XXXX of American Express Financial Cooperation . Company to let you know that after making calls to you on your phone number we were not able to get hold of you. So, the account 's department has decided to mark this case as a flat refusal and press legal charges against you. 

CASE NO : XXXX Amount Outstanding : {$1600.00} Settlement Amount : {$750.00} for Today or two payments of {$370.00} from Today Account Summary This is for your unpaid loan with American Express Financial Cooperation . 

Original Creditor Amex Loan [ American ExpressFinancial Corporation ]. AMEX Financial Cooperation. who owned and operated more than 365 websites, web portals [ XXXX XXXX, XXXX XXXX, XXXX & XXXX ] & and sub lenders working for them. 

We have sent you this warning notification about legal proceedings of XX/XX/XXXX but you failed to respond on time. Now its high time if you failed to respond in the next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Faxing this issue to your current employer to make sure they take strict measures against you. Your salary wages will be garnished.

This email containing information about three criminal allegations on your name about Financial Fraud.

1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) The affidavit states that you went online utilising your personal information which was track down by the anti-fraud department, in order to solicit funds from a website which is owned and operated by AMEX Financial Cooperation. who owned and operate more than 365 websites, web portals [ XXXX XXXX, XXXX XXXX, XXXX & XXXX ] & and sub lenders working for them, when your creditor attempted to extract the funds from your checking account, all six etfs were returned constituting a worthless electronic check.

As of today, rather than chasing you for money American Express Financial Cooperation has simply decided to write this money as loss & and declared it to be stolen and wants to press legal charges against your name.

Your creditor will be in contact with your current employer and the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with interest and the late payment charges.

Your credit score will hit by negative XXXX points & and your driving licence will get blocked. 

You do have the right to hire an attorney, If you don't have one or you can't afford to have one that shall be appointed for you by the Federal Court, but make sure you have someone to bail you out once you lose this case in the county court.

After you lose the case in the Federal Court then the legal charges will be levied upon you that would be more than {$4500.00} which will be including attorney charges, Bail charges, Federal court fees and the amount that you owe from your creditor for the amount of {$1600.00}.

Your Options - 1. Micro payments- {$200.00} in every two weeks { For total outstanding balance {$1600.00} }.

2. Offer in compromise - Pay {$750.00} Today [ One time Payment- It will consider that your account has been paid in XXXX balance } Note - if you want to avoid legal activities then you have to pay your settlement by today in order to close this case file. 



Do update us with your payment options. 





XXXX XXXX ( Accounts Dept. ) Bureau of Defaulters agency FTC Incorporation ''

Company response to consumer: Closed with explanation