Consumer complaint received 2023-10-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express Companys closure of my account ending XXXX has violated my consumer rights under the Consumer Credit Protection Act, specifically the ; Equal Credit Opportunity Act, Fair Debt Collection Practice Act and the Fair Credit Reporting Act. 
On XX/XX/2023, American Express CompanyXXXX ( further referenced as Amex ) was mailed a copy of a, Notice of Dispute and Verification of Alleged Debt- ( further referenced as Exhibit XXXX ). On XX/XX/2023 the notice was delivered to American Express Customer Service XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] via certified Mail # XXXX XXXX XXXX XXXX XXXX and signed by XXXX XXXX on return receipt # XXXX XXXX XXXX XXXX XXXX XXXX - ( further referenced as Exhibit XXXX  ). Amex failed to dispute the account in accordance with the Fair Debt Collection Practice Act- ( further referenced as FDCPA ) and the Fair Credit Reporting Act- ( further referenced as FCRA ) specifically by not reporting to the credit reporting agency that the account was being disputed shown in a credit report requested on XX/XX/2023 from XXXX, personal information has been redacted for privacy- ( further referenced as Exhibit XXXX ). They also failed to send verification of the account in accordance with the procedures of federal law. 

On XX/XX/2023 Amex was called approximately XXXX eastern standard time, in reference to why a duplicate billing statement had been sent, a few agents were spoken to, one agent by the name of XXXX said that the account was being investigated about dispute starting on XX/XX/2023. A letter indicating that the account is being disputed/ investigated was requested and the agent refused to have one sent and said a verbal acknowledgment should surface, which was then communicated that it was not and written communication is mandatory and only form of communication authorized. 

A notice from Amex dated XX/XX/2023 of cancellation of account- ( further referenced as Exhibit XXXX  ) was received and the communication violated the FDCPA. A response to notice of cancellation was mailed to American Express Customer Service XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] as instructed as the location to respond, on XX/XX/2023 via certified mail # XXXX XXXX XXXX XXXX XXXX and received on XX/XX/2023 by an agent a duplicate is produced- ( further referenced as Exhibit XXXX ) The contents of Exhibit XXXX were to give Amex a notice of violations. As the consumer it was expressed that ; Amex failed to follow the proper adverse action procedure as defined in section 15 USC 1691 ( d ), they also failed to give specific reason for adverse action in accordance with 15 USC 1691 ( d ) ( 3 ), Amex failed to give prior notification in accordance with 15 USC 1693c ( b ), specific reason for adverse action was requested, verification of the account per 15 USC 1692g ( a ) ( 4 ), the name and address of the original creditor per 15 USC 1692g ( b ).

The next communication received was from Amex dated XX/XX/XXXX, XXXX ( further referenced as Exhibit XXXX ). This communication also violated the FDCPA. 
Specifically as follows ; Exhibit XXXX Page 1- 15 USC 1692d ( 4 ) - by stating : You have 14 days to avoid a collection agency or possibly an attorney...

If sent to a collection agency, they will contact you for payment To avoid this pay the past due amount Exhibit XXXX Page 1- 15 USC 1692e ( 5 ) - by stating : If it is sent to an attorney, they may take legal action to recover the full amount Another communication was received from Amex XXXX XX/XX/XXXX, XXXX ( further referenced as Exhibit XXXX ) demanding a response by XX/XX/2023. Both last communication from Amex were received on XX/XX/2023. These communications show that they are in the habit of using abusive language, harassing methods and are unwilling to respond to the communications requesting the account information. 

Amex further violates the consumer rights of the FDCPA per 15 USC 1692e ( 11 ), when the consumer applied on the application there was no indication that the information was going to be used to collect an alleged debt. All communication from Amex is in violation of 15 USC 1692f ( 8 ) as all envelopes received have had their logo at the top left of every envelope as shown in Exhibit XXXX. 

" Fair access to credit is crucially important for building and strengthening household financial stability. '' XXXX XXXX XXXX CFPB director )

Company response to consumer: Closed with non-monetary relief