Consumer complaint received 2021-06-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is filed as a result of American Express continued falsehoods and misrepresentations about XXXX  credit card debts but owed by by me but corporate debts. Regardless of their written representations which are now all new evidence in a potential lawsuit where they keep burying themselves into legal complications and think they can escape their conduct with no legal impunity.

For the last time, making representations thst are not supported by any documents are just conjectures and hearsay and not statements of facts : 1. In previous letters, you made allegations that you can not substantiate as true statements since you do not have any account applications and credit card agreement signed by me for the business credit cards involved. The law is clear and without any evidence, the law firm you hired is simply mishearing you. 

2. In the communication you sent today XX/XX/XXXX in response to last complaint filed on XX/XX/XXXX, American Express is obviously desperate in claiming that I claimed credit card fraud and had the audacity to send me a fraud claim form to file with the police which I immediately rebuffed in writing. My claim of fraud was not about anyone using the corporate credit cards without authorization. MY CLAIM OF FRAUD WAS ABOUT AMERICAN EXPRESS BEING THE PERPETRATOR OF FRAUD BY CLAIMING CORPORATE CREDIT CARDS ARE INDIVIDUAL RESPONSIBILITY WITHOUT ANY PROOF. American Express is the accused. Please do not twist my claimSMS tomake it appear that I raised any third party claim. American Express and its unethical law firm are the fraud perpetrators. 
2. In your XX/XX/XXXX response, you made additional outrageous claims that the payments were made from my personal XXXX XXXX account. This is untrue and a lie. All payments were made from the bio account of the card holder, the corporation. 
3. As a corporate citizen, American Express can not continue to spew lies and malicious statements with no impunity even after a law firm was hired to represent in this matter and the law firm was doing the same. Your written words matter. Thus, you can not simply state that payments were made from my personal account with no proof. You need to provide proof that payments that payments from XXXX to XXXX from the time the accounts were hems these payments were made from my personal account. There is no such proof. 
4. You continue to send me harassing and unsolicited mail and emails. You claim that you would stop, but did not sbd continued to do so after your stop and discontinuance letter only to fool the CFPB. 

At this point, a complaint will be escalated to the Federal Trade Commission against American Express for fraud, a complaint will be sent to your CEO who may not know about the conduct of lower level employees at Customer Service who have been sending all the letters with false claims and the collection law firm who had forged false documents to continue to harass me. 

The same complaint will be sent to Congress woman XXXX XXXX with oversight over the financial services committee as Chair and other N.Y. Congress and Senate to hold American Express accountable. 

Unless you are 100 % sure, you can not continue to make false statements in writing as all these false statements that you can not support with evidence will be squashed with rebuke from a judge in a court of law. 

What is the incentive for American Express expect for unethical low level employees in collection to be overzealous to make false statements and representations to cover themselves to give the appearance they are pursuing a legitimate collection claim when their claim is not legitimate. 

I have attached your own letters and contacts after the facts that continue furthering your legal harassment. 

Please cease and desist. You have no ideas of my abilities. I have a media presence and a higher media profile than your own CEO at American Express and can call any of the legal investigative journalists in my network to deploy fair and unbiased investigations into American Express and its employee conduct. I was a member of the media and can recommend thus matter be investigated and be exposed in the evening news at most major news networks and cable news shows.

Company response to consumer: Closed with explanation