Consumer complaint received 2023-12-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear AMERICAN EXPRESS NATIONAL BANK. THIS IS NOT A DUPLICATE COMPLAINT. THERE ARE 4 REFERENCES IN THIS LETTER OPOSED TO THE 1 IN THE INITIAL LETTER THAT YOU KEEP CITING TO MISLEAD ME. 

I DISAGREE WITH YOU DECISIONS AND THIS IS A APEAL THAT YOU ARE REQUIRED TO INVESTIGATE & REINVESTIGATE PER FEDERAL LAW : 4 VIOLATIONS FOR REFERENCE : American Express XXXX Card : Ref : XXXXUSD American Express XXXX Card : Ref : XXXXUSD American Express XXXX XXXX Card : Ref : XXXXUSD American Express Business Gold Card : Ref : XXXXUSD I am the consumer, original creditor and natural person. AMERICAN EXPRESS NATIONAL BANK has denied my right to credit as I applied for the above credit card accounts in XX/XX/ and XXXX  in consumer credit transactions. Pursuant to 15 USC 1681a ( k ), AMERICAN EXPRESS NATIONAL BANK violated federal law by denying my credit application. AMERICAN EXPRESS NATIONAL BANK also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, AMERICAN EXPRESS NATIONAL BANK failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies. 

Furthermore your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to XXXX. XXXX, I am requesting a full audit of the account. Additionally, pursuant to Article XXXX Section XXXX Clause XXXX of the United States XXXX, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve XXXX is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( XXXX XXXX XXXX ( k ) / ( XXXX XXXX XXXX ( u ) ( XXXX ). Pursuant to XXXX XXXX XXXX XXXX ( C ) and you assume civil liability pursuant to XXXX XXXX XXXX XXXX ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. XXXX will be set off on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning AMERICAN EXPRESS NATIONAL BANK. and any of its other agents, affiliates, subsidiaries, assignees, etc. XXXX NOT contact me by any means other than written correspondence. Failure to comply will result in legal action

Company response to consumer: Closed with explanation