Consumer complaint received 2021-04-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, Consumer XXXX, entered into a consumer credit transaction with American Express in which multiple federally protected consumer rights were violated. 

American Express violated my federally protected rights governed under 15 USC 1692f. ( 8 ) which states debt collector can not use any language or symbol on an envelope other than the debt collector 's address. American Express violated my privacy by placing their logo and language on the envelope that implied to anyone that saw the envelope that I owed an " alleged debt ''.

American Express violated my federally protected rights governed under 15 USC 1692j. ( a ) which states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. American Express violated my consumer rights by creating false statements that created false belief that I, the original creditor and consumer, owe an " alleged debt '' to American Express. I am not participating in collecting a debt from myself.

American Express violated my federally protected rights governed under 15 USC 1692e. ( 2 ) ( A ) which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; American Express violated my consumer rights by displaying the false representations of " alleged debts '' to deceive me, the consumer, that I have an unpaid balance. If debt existed wouldn't it be stated in the negative and not a positive amount due to the fact I can't make payments on a positive account.

American Express violated my federally protected rights governed under 15 USC 1692e. ( 5 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take action that can not legally be taken or that is not intended to be taken.

American Express violated my consumer rights because I was threatened to have reputation damaged if I did not pay an " alleged debt ''. 

American Express violated my federally protected rights governed under 15 USC 1692d. ( 1 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

American Express violated my consumer rights by tainting my reputation, my consumer credit report, because they added negative information that reflects a false balance.

American Express violated my federally protected rights governed under 15 USC 1692d. ( 4 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
American Express violated my consumer rights by willfully and without consent advertise a false balance on my consumer report with intent to damage my reputation with other creditors to coerce me to pay an alleged debt. American Express violated my federally protected rights governed under 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ) which states : ( d ) Consumer Report.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; American Express violated my consumer rights because that re
ported a consumer transaction to XXXX  and XXXX  between the consumer, myself, and the person, American Express, which should have been excluded from my consumer report.

American Express violated my federally protected rights governed under 15 USC 1681a. ( d ) ( 2 ) ( B ) which states : ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any autho
rization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; American Express violated my consumer report by reporting to XXXX  and XXXX  about a consumer transaction that involved the use of my credit card which should have been excluded from my consumer report.

Company response to consumer: Closed with non-monetary relief